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May 2014 | Volume 11 | Issue 5

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First Community Investment Center News

If Interest Rates Rise, What Happens to Bonds?

Investors in longer-term Treasuries could see some rocky road ahead.

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.

Jim and Clint

Clint Squier and Jim Ulman may be reached at First Community Investment Center located at First Community Bank and Trust, (708) 946-2246.

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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.

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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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 Trip

Thursday, June 26, 2014

Four Winds

We have setup another day to the popular Four Winds Casino. Experience the excitement of games, shopping and dining. We will have two pick-up/drop off locations. We will be departing from our Peotone facility at 9:00 AM and returning at 4:00 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)

Call Irene at (708) 946-2246 for reservations.


Amish Acres 52nd Annual Arts and Craft Festival

Thursday, July 31st, 2014, Nappanee, Indiana

Amish Acres

This event showcases over 300 artists and crafters from across the country, all situated around the large Amish Acres pond. Four stages offering family entertainment are available as well as strolling musicians throughout the festival. And when you get hungry there are plenty of festival food items to choose from.

Cost of the trip is $35.00 for Gold Club Members and $38.00 for non-members. Price includes transportation, admission to the festival, goodies on the bus to and from. Lunch will be on your own. We will depart Peotone at 7:30 AM and Beecher at 8:00 AM and return to Beecher at 4:30 PM and Peotone at 4:45 PM.

Call Irene at (708) 946-2246 for reservations.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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Customer Appreciation Events


Happy Mother's Day!

Giveaway on Friday, May 9th and Saturday, 10th, 2014 (both locations)

Mother's Day

In celebration of Mother’s Day we will be giving out a gift that is a unique twist on a traditional vase. It’s called the Flexi-Vase and it can go with Mom wherever she goes. This collapsible vase is just the right size for a bundle of her favorite flowers. It’s perfectly suited for small spaces like a cubby, locker, desk, etc.

So be sure to send mom into the bank on May 9th and 10th to pick up her very own Flexi-Vase for Mother’s Day.


Document Disposal Day

May 10th, 2014, 9–11 AM, Beecher Financial Center

Document Disposal

Start Spring Cleaning with your file cabinets! If you've been saving documents with personal information for years and no longer need them, let us help you dispose of them safely and for free.

Bring them to the parking lot of our Beecher Financial Center on Saturday, May 10th, from 9:00 - 11:00 AM. All types of office paper are accepted (no newspaper please) and there's no need to remove staples or paper clips. We do ask that paper be removed from binders with metal rings or clasps.

Questions? Call (708) 946-2246 and ask to speak with Steve.

(Can't make it in May? No worries, we will have another Document Disposal Day at our Peotone facility in September.)

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Upcoming Bank Holidays

Memorial Day

The bank will be closed on Monday, May 26, 2014 for Memorial Day.

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