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January 2014 | Volume 11 | Issue 1

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Like Us on Facebook

We have information to share! Like Us to join the conversation.

Have you visited our Facebook page recently? If not, give it a try. We post local event information, timely bank security subjects, bank holiday schedules, electronic banking updates and other helpful tips. Simply follow the instructions below to “Like Us” today.

1. Visit our Facebook page - facebook/firstcommunitybankandtrus

2. Click the Like button.
3. Sit back and enjoy our bank information!

Member FDIC | Equal Housing Lender An Equal Housing Lender

 

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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Up Coming Event

 

Identity Theft 101...Things You Need To Know

Beecher Library | January 22nd at 7pm

Learn how to keep your identity safe. This program will consist of information and best practices to protect consumers' identities from phishing emails, telephone calls, and other threats. Refreshments will be provided by the library.

We look forward to seeing you at the Beecher Library for this program.

View the Flyer

Presented by: First Community Bank and Trust

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Investment Center News

 

Is This The Year You Stop Procrastinating About Your Financial Plan?

Some things to think about as you get started.

Presented by Clint Squier & Jim Ulman, Registered Representatives
Prepared by MarketingLibrary.Net Inc.

Look at your expenses and your debt. Take a look at your core living expenses (such as a mortgage payment, car payment, etc.). Can any core expenses be reduced? Investing aside, you position yourself to gain ground financially when income rises, debt diminishes and expenses decrease or stay (relatively) the same.

Maybe you should pay your debt first, maybe not. Some debt is “good” debt. A debt is “good” if it brings you income. Credit cards are generally considered “bad” debts.

If you’ll be carrying a debt for a while, put it to a test. Weigh the interest rate on that specific debt against your potential income growth rate and your potential investment returns over the term of the debt.

Of course, paying off debts, paying down balances and restricting new debt all works toward improving your FICO score, another tool you can use in pursuit of financial freedom (we’re talking “good” debts).

Implement or refine an investment strategy. You’re not going to retire solely on the elective deferrals from your paycheck; you’re going retire (hopefully) on the interest that those accumulated assets earn over time, plus the power of compounding.

Manage the money you make. If you simply accumulate unmanaged assets, you have money just sitting there that may be exposed to risk – inflation risk, market risk, even legal risks. Don’t forget taxes. The greater your wealth, the more long-range potential you have to accomplish some profound things – provided your wealth is directed.

If you want to build more wealth this year or in the near future, don’t neglect the risk management strategy that could be instrumental in helping you retain it. Your after-tax return matters. Risk management should be part of your overall financial picture.

Request professional guidance for the wealth you are (or could be) growing. A good financial professional should help to educate you about the principles of wealth building. You can draw on that professional knowledge and guidance this year – and for years to come.


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

Jim and Clint

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This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Investment Services Advisory Services Agreement and disclosure brochure as provided.

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Upcoming Bank Holidays

 

Martin Luther King, Jr. Day

The bank will be closed on Monday, January 20, 2014 for Martin Luther King, Jr. Day.

 

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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.

 

Four Winds Casino

Another Four Winds Casino trip is being planned for April 25th. Enjoy a day on Lake Michigan’s Gold Coast and experience the excitement of games, shopping and dining at Four Winds Casino. We will have two pick-up/drop off locations. We will be departing from our Peotone facility at 9:00 AM and returning at 4 PM. We will be departing from our Beecher location at 9:30 AM and returning at 4:30 PM. The cost is $30 and includes transportation, refreshments on the bus, a $10 food voucher and a $15 instant slot credit. (FCB&T customers receive a $2 discount)


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Member FDIC | Equal Housing Lender An Equal Housing Lender

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5 Resolutions to Get You Saving in the New Year

(Source: americasaves.org)

Happy New Year! Now is a great time to give your finances a checkup and discover if you need to make saving your New Year’s resolution. You may discover that you have debt you need to pay down or that you are ready to take the next step in savings. Helping yourself and your family save successfully for the future should be near the top of your resolution list – and it’s one resolution you can’t afford to break! Remember, you don’t have to make a lot of money to save successfully. Start Small. Think Big.

1. Get Out of Debt

The best investment most borrowers can make is to pay off consumer debt with double-digit interest rates. How to do it: Find places to cut your spending so that you can pay down your debt faster.

Read More

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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