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December 2013 | Volume 10 | Issue 12

Happy Holidays

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The Underlying Emotions of Overspending

Identifying the emotional states that cause us to spend beyond our means

We've all done it - spent more than we should have on an item we probably didn't really need. Poor purchasing decisions are made by even the savviest of shoppers, especially during the holidays. But when these decisions become the norm, rather than the exception, it may be helpful to examine some of the underlying emotional states that often drive people toward this financially hazardous habit in order to break it. 

Like all behaviors, spending habits reflect background, experiences and psychological makeup. "Children as adults will mimic their parents, even if they have modeled something counter-productive," says James Dion, an industrial psychologist and president/founder of retail consultancy Dionco, in an interview with DailyFinance.com. Below are some of the more common emotional states that drive people to make poor purchasing decisions and to overspend, and some advice on how to keep those emotions from sending you to the poorhouse.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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Happy Holidays

Help Those Most In Need this Holiday Season

Make a difference this holiday season. Sign up for our First eStatements service and we’ll donate $5.00 to a local food pantry listed below. You’ll be doing your part to help save the environment and you’ll also help feed those that are most in need this Holiday Season!

Contact us for details at (708) 946-2246 or (708) 258-0530!

Beecher Food Pantries:

St. Luke’s UCC Food Pantry, Washington Township Food Pantry, Zion Lutheran Food Pantry

Peotone Food Pantries:

Peotone Helping Hands Food Pantry

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Investment Center News

 

Retirement. Are You Ready?

A quick checkup might be just what the doctor ordered

Presented by Jim Ulman and Clint Squier, Registered Representatives with First Community Investment Center

You may think you’re on the right path to retirement, but are you? Is your retirement fund performing according to your expectations and needs? Most financial advisors say retirees will need 70 percent or more of pre-retirement earnings to live comfortably and, according to the Social Security Administration, Social Security replaces about 40 percent of an average wage earner’s income after retiring. Where will that additional 30% come from?

Most likely, it comes from a 401(k) or similar retirement fund. If you have been faithfully contributing to your retirement fund, you probably have a sizable fund built up. At this point, it is important that you take time to review your account to make sure it is performing according to your expectations and needs.

Depending on how much longer you plan to work, there may be several ways to maximize your retirement earnings, including rebalancing to ensure that your portfolio reflects your risk comfort level. Working with a financial professional is a great way to obtain an objective view of your retirement plan. We can help you work on your financial goals through a careful review of your 401(k) or similar retirement fund components.

Hopefully you have planned well and have the vehicles in place that will allow you to enjoy your retirement. However, if you are concerned or have questions about your retirement funds, we will be happy to meet with you to discuss the best route to take to help with your retirement journey! As always, your visits with us are no-obligation, so what do you have to lose?


Clint Squier and Jim Ulman may be reached at (708) 946-2246.

Jim and Clint

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: * Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

 

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Upcoming Bank Holidays

 

Christmas Eve Hours:

The bank will close at 12:00 PM on Tuesday, December 24, 2013. Cut off time will be 11:00 AM.

Christmas Day Hours:

The bank will be closed Wednesday, December 25, 2013. No business will be transacted.

New Year’s Eve Hours:

The bank will close at 3:00 PM on Tuesday, December 31, 2013. Cut off time will be 2:00 PM.

New Year’s Day Hours:

The bank will be closed Wednesday, January 1, 2014. No business will be transacted.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Gold Club News

Our Gold Club is for those customers who are 55 years of age or better and have at least $1,000 in any combination of accounts with our bank. Members receive increased rates on CDs, discount on check orders, two free dinners per year, and much more. First Community Gold Club is open to anyone and can be enjoyed by customers and non-customers alike. If you are interested in signing up for our Gold Club or for one or more of our trips, contact Irene Brothers today at (708) 946-2246.

Keep on Your Toes This Winter

Foot and ankle fractures among older individuals happen more frequently in the winter than any other season, most likely due to the icy surfaces. Last winter proved to be pretty mild in terms of the weather, however, that's no guarantee that this winter will follow suit. Taking a few precautions can ensure that this beautiful time of year remains that way.

Be prepared by following weather reports. The National Weather Service categorizes storms in several different ways. Knowing the difference will help you prepare accordingly:

  • Winter Advisory: Weather conditions may cause hazardous conditions and create travel inconveniences. This is a good time to fill the gas tank to prevent an ice-clogged line.

  • Winter Storm Watch: Heavy ice and snow are expected in the next few days. Stock up on essentials in case the weather takes a turn for the worse.

  • Winter Storm Warning: Severe weather is about to begin - stay indoors if possible.

  • Blizzard Warning: High winds and heavy snow could create life-threatening conditions outside. Find a good book and hunker down until the weather clears.

If venturing outside into the elements is necessary, start with a good pair of shoes or boots that fit well and have non-slip soles. Stay on cleared sidewalks whenever possible. If you go in the street, stay as close to the edge of the street as possible. Hazardous driving conditions may keep motorists from stopping on time or braking effectively. Also, remember that heavy snow muffles the sounds of oncoming vehicles and other noises.

One of the greatest concerns for seniors is the strenuous demand of shoveling. Know your limits. Lifting heavy shovels of the white stuff takes a toll, especially for those with chronic issues such as asthma or cardiac conditions. Tackle the chore in small increments with frequent breaks, or better yet, give the neighborhood kids something do and hire them for the job.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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Shop At The Bank for Unique Holiday Gifts!

Looking for something different to gift this holiday season? Check out some of the great collector items we offer. We have a variety of coins from the Coins of America collection, along with previously issued collections of States Quarters, Lincoln 1-Cent Series, Presidential Collection Dollars and Folders, National Park Quarters, and the Limited Edition 24-Karat Sets.

Of course, cash is never out of style and fits everyone! Let us wrap your monetary gift for free with one of our money envelopes. They come in several different styles, making them the ideal way to give money to anyone. We also have self-adhesive gift stickers available in our lobbies. These are great for labeling the gifts for everyone on your list.

Also don’t forget to stop by for Irene’s delicious holiday cookies! They are available now through December 31 in each of our locations.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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2013 Customer Appreciation

 

Thank you to everyone that participated in this year’s customer appreciation events. We are planning our events for 2014 and look forward more exciting giveaways and contests.

Thanks again!

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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