Lifestyles “For the Young at Heart” NEWSLETTER Issue 48 • March 2015
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Lifestyles “For The Young At Heart” NEWSLETTER Issue 48 • March 2015 IMPORTANT PHONE NUMBERS Letters to Lisa... Customer Service .....................................1-800-943-8488 24-Hour Access Line .................................1-800-300-5580 Dear Lisa, Investment Services ........................781-6019 or 358-9331 I just recently read about Anthem and the cyber-attack that Trust Services .................................................... 623-3424 occurred. I am a customer of Anthem therefore I am concerned Mortgage Loan ................................................... 624-9970 about my own personal information being used in various ways. Consumer Loan ...................................Info. in all branches Do you have any advice? – Tired of Hackers Lisa Passley ....................................................... 624-1995 Dear Tired of Hackers, YOUR LIFESTYLES ADVISORS: Anytime something like this happens with a company that has CARTHAGE: personal information it causes concern. The best line of defense 3rd & Maple ............................ Melody Thompson – 358-9331 for victims of any kind of fraud/scam or hacking is to closely 2417 S. Grand ..............................Bonita Harrison – 358-1770 monitor your accounts in addition to checking your credit JASPER: ............................................................. – 394-2546 report. You can obtain a FREE copy of your credit report from a link on the SMB website. Beware of sites that claim to offer ALBA: ...................................... Pam Stephenson – 525-4218 free credit reports, some will require a fee. You can also have a NEOSHO: ................................. Cathy Lankford – 451-7800 fraud alert added by the credit reporting agencies. If someone S. Hwy. 59 ............................................................... – 451-7700 would try to obtain credit using your personal information DUQUESNE: ............................... Shanon Doss – 623-5959 you would receive a call to verify this request. Anthem has JOPLIN: also provided a website with FAQ (frequently asked questions). 32nd & Indiana ................................... Becca Farris – 624-1995 Anthem is contacting their customers affected by their breach Zora ....................................................... Zane Elder – 206-6800 to offer two years of Fraud Identity Theft Protection services free of charge. We recommend you sign up for those services. Stones Corner .............................Heather Henson – 623-0400 32nd & McClelland ........................... Drew Hunter – 623-5255 T he Best of Eastern Canada featuring: Montreal, Quebec City, Ottawa, Niagara Falls & Toronto From the European-styled, old world elegance of Quebec City to the thundering magnificence of Niagara Falls, you’ll love every moment of this 8 day tour of eastern Canada. Enjoy two-night stays in Montreal, Quebec City, and Toronto as well as an overnight stay in Ottawa and city tours of each of them. Have breakfast of regional specialties at a local sugar shack and learn about maple syrup making. Board a boat to experience Niagara Falls up SEPTEMBER 20 - 27, 2015 close and cruise through the spectacular Southwest Missouri Bank unspoiled 1000 islands. Watch the busy St. Lawrence River from high atop Book now AND Save $100! Montreal’s Mount Royal and experience DOUBLE $3,299* SINGLE $3,899 TRIPLE $3,269 the energy of multicultural Toronto. Walk REGULAR RATES: Double $3,399 Single $3,999; Triple $3,369 the cobble stone streets of old Quebec. Experience the best regional cuisine For more information contact: Lisa Passley during a Dine Around with your choice of (417) 624-1995 [email protected] restaurant locations for the evening. From Presentation: March 30th picturesque countryside to glistening skyscrapers, a truly unforgettable cultural Duquesne Community Building and historical experience awaits you in RSVP for 3:00 p.m. or 6:30 p.m. the heart of Eastern Canada. UNDERSTANDING INVESTMENT TERMS & CONCEPTS Below are summaries of some basic principles you should understand when evaluating an investment opportunity or making an investment decision. Rest assured, this is not rocket science. In fact, you’ll see that the most important principle on which to base your investment education is simply good common sense. You’ve decided to start investing. If you’ve had little or no experience, you’re probably apprehensive about how to begin. It’s always wise to understand what you’re investing in. The better you understand the information you receive, the more comfortable you will be with the course you’ve chosen. DON’T BE INTIMIDATED BY JARGON Don’t worry if you can’t understand the experts in the financial media right away. Much of what they say is jargon that is actually less complicated than it sounds. Don’t hesitate to ask questions; when it comes to your money, the only dumb question is the one you don’t ask. Don’t wait to invest until you feel you know everything. DON’T PUT ALL YOUR EGGS IN ONE BASKET This is one of the most important of all investment principles, as well as the most familiar and sensible. Consider including several different types of investments in your portfolio. Examples of investment types (sometimes called asset classes) include stocks, bonds, commodities such as oil, and precious metals. Cash also is considered an asset class, and includes not only currency but cash alternatives such as money market instruments (for example, very short-term loans). Individual asset classes are often further broken down according to more precise investment characteristics (e.g., stocks of small companies, stocks of large companies, bonds issued by corporations, or bonds issued by the U.S. Treasury). Investment classes often rise and fall at different rates and times. Ideally, in a diversified portfolio of investments, if some are losing value during a particular period, others will be gaining value at the same time. The gainers may help offset the losers, which can help minimize the impact of loss from a single type of investment. The goal is to find the appropriate balance of different assets for your portfolio given your investing goals, risk tolerance and time horizon. This process is called asset allocation. Within each class you choose, consider diversifying further among several individual investment options within that class. For example, if you’ve decided to invest in the drug industry, investing in several companies rather than just one can reduce the impact your portfolio might suffer from problems with any single company. A mutual fund offers automatic diversification among many individual investments, and sometimes even among multiple asset classes. Diversification and asset allocation alone can’t guarantee a profit or ensure against the possibility of loss, but they can help you manage the types and level of risk you take. GRADY HUKE NOT FDIC INSURED – NO BANK SHERRI FICHTNER 417-237-3766 GUARANTEE – MAY LOSE VALUE 781-6018 1-800-943-8488 1-866-374-1233 2015 EVENT CALENDAR Valentine’s Party Pics March 25 “New Jersey Nights” King’s Castle - Branson, MO - $79.00 per person April 9 Dogwood Canyon Lampe, MO - $91.00 per person April 15 “Forever Plaid” The New Theatre - Overland Park, KS - $76.00 per person April 21 Ladies Tea - Carthage, MO April 22 Ladies Tea - Jasper/Alba, MO April 28 Ladies Tea - Neosho, MO April 30 Ladies Tea - Joplin, MO June 5 Springfield Cardinals Baseball Game Springfield, MO - $58.00 per person July 8 “Hairspray” The New Theatre - Overland Park, KS - $76.00 per person Joan & Tommy Thompson 2014 winners of The Dating Game now MR. & MRS. Thompson SOUTHWEST MISSOURI BANK INVITES YOU TO A LIFESTYLES LADIES TEA Do You Believe in Magic? PLEASE RESERVE FOR THE LOCATION OF YOUR CHOICE: TUESDAY, APRIL 21, 2015 1:00 PM - 3:00 PM in Carthage FAIRVIEW CHRISTIAN CHURCH • GRAND AVENUE Advisors: Bonita Harrison & Melody Thompson OR WEDNESDAY, APRIL 22, 2015 1:00 PM - 3:00 PM in Jasper/Alba THE EVENTS CENTER - JASPER Advisor: Pam Stephenson OR TUESDAY, APRIL 28, 2015 1:00 PM - 3:00 PM in Neosho UNITED METHODIST CHURCH CHRISTIAN LIFE CENTER Advisor: Cathy Lankford OR THURSDAY, APRIL 30, 2015 1:00 PM - 3:00 PM in Joplin GRANNY SHAFFER’S CONTINENTAL BANQUET CENTER - NORTH RANGE LINE Advisors: Heather Henson, Zane Elder, Shanon Doss, Drew Hunter, Becca Farris, and Lisa Passley LIFESTYLES MEMBERS ONLY ! To make your Ladies Tea reservation, please return the completed form. Deadline: 7 days prior to your chosen date! Name __________________________________________________________________________________ April 21 Carthage / Take or mail to: Melody Thompson, SMB, P.O. Box 814, Carthage, MO 64836 April 22 Alba / Take or mail to: Pam Stephenson, SMB, P.O. Box 430, Alba, MO 64830 April 28 Neosho / Take or mail to: Cathy Lankford, SMB, 110 N. Neosho Blvd., Neosho, MO 64850 April 30 Joplin / Take or mail to: Lisa Passley, SMB, 1000 E. 32nd St., Joplin, MO 64804 HAPPY BIRTHDAY! To celebrate your birthday, Southwest Missouri Bank CARTHAGE * JOPLIN * DUQUESNE * NEOSHO * JASPER * ALBA cordially invites you to YOUR BIRTHDAY PARTY! For ALL Lifestyles Members with birthdays in MARCH TUESDAY, MARCH 10, 2015 AT 12:00 NOON THURSDAY, MARCH 12, 2015 AT 6:00 PM at Granny Shaffer’s Trolley Room – Joplin —OR— Club 1201, 1201 E. 32ND St. – Joplin When making your reservation for this location, When making your reservation for this location, please select please select either the Italian Chicken OR Sliced Sirloin either the 6 oz. Filet Mignon OR the Chicken Cordon Bleu Lifestyles members