MAYBE ITS TIME FOR THE TALK - Martinsburg Bank and Trust

Martinsburg Bank and Trust June 2013
Get in
on the
Mexico - 581-6566 MartJnsburg - 492-6232 Wellsville - 684-3177 Montgomery City - 564-2680
Hallsville - 696-1425 Vandalla-594-3244
Centralia - 682-3300 Columbla-442-8052 MAYBE
The Importance of Using Credit Cards Responsibly We've all heard stories about college students who racked up thousands of
dollars in credit card debt. These cautionary tales remind parents about the
importance of protecting their children from making bad financial decisions.
But, even more so, these stories serve as reminders that newly minted high
school graduates can make "adult" decisions that will haunt them for years
to come.
As millions of high school students graduate this spring, it's a natural time
for these young adults to look forward to greater independence, responsibilВ­
ity and the realties of adulthood. This is also a natural time for parents to sit
down with their children to talk about the dangers of credit cards and how to
use them responsibly.
BUILDING CREDIT. There is great value in building a healthy history of
credit by responsibly obtaining and managing credit account. A good credit
history can mean paying less for apartment rent and insurance products,
and receiving a lower interest rate on future purchases.
Parents and young adults should team up to develop a plan for using credit
and building a strong credit history before children begin using personal
credit cards. Talk to your local banker about opening a low-limit credit card
in your child's name but put strict parameters around its use. Making one or
two small purchase on the card each month and paying off the balance will
help your child build agood credit history.
Visit any of our branches for an application or apply online at
htfp:www.cardpartner.comlfilapplmartinsburg-bank-and-trust or over the
phone at 1-800-821-5184. No annual fee. Low APR
DON'T FALL FOR GIMMICKS. Credit card companies love to lure in
young customers with t-shirts and other cheap merchandise, especially on
college campuses. However, many of these credit card companies carry
annual fees and high-interest rates that can end up costing a great deal
more than the "free" item is worth.
Encourage your children to resist the urge to fill out credit applications for
freebies, even if they say they'll never activate the card upon approval.
There are may ways to build credit, and this isn't one of them.
CONSIDER FREEZING YOUR CREDIT. A useful tool for young people
and concerned parents alike is the credit freeze, a service available through
credit bureau websites , and
When your credit is frozen, no new creditors can look at your credit history
without you lifting the freeze. This prevents new credit accounts fro being
opened without concerned effort. It also protects the credit card user from
making hasty decisions about opening new credit accounts and limits potenВ­
tiallosses from accounts opened fraudulently.
If you already have credit cards and want to prevent yourself from making
impulsive purchases, take the old advice of freezing the cares in a block of
ice. Let the card thaw out-without help of course-and then decide if that
purchase is still worth it. Remember just because you have credit doesn't
mean you have the money to repay the debt. Be sure to factor in your curВ­
rent financial situation before making a decision to buy on credit.
don't want to go to the extreme of freezing your credit you can actively monВ­
itor your credit account for inaccuracies and fraudulent activity. UnfortuВ­
nately, there are many firms that want to charge you for this service that you
can access each year for free at, the only site auВ­
thorized under federal law.
Each of the three credit bureaus, Experian, Transunion and EquifaxВ­
allows you to pull the report once per year so ideally, you could rotate pilling
your credit report from one of the bureaus every four months. AnnualcreditВ­ serves as a free gateway that allows you to request your credit
report from each bureau-there is no need to visit the bureau websites to
make these requests. By checking your credit report several times per year,
you can ensure that your timely payments are being recorded accurately
and no unauthorized activity has occurred.
- Consumer Tips by MIBA
May 2013
A little history most people will never know.
• There are 58,267 names now listed on that polished black
wall, including those added in 2010. .В­
Bank and Trust
205Jefferson Street, 12th Floor
PO Box 147
Jefferson City, mo 65102В·0147
Phone: 573В·751В·3779
'- ~
• The names are arranged in the order in which they were
taken from us by date. Within each date, the names are
alphabetized. It's hard to believe it has been 36 years since the
last casualty.
• There are three sets of fathers and sons on the Wall.
• 39,996 on the Wall were just 22 or younger.
• 8,283 were just 19 years old.
• The largest age group, 33,103 were 18 years old.
• 12 soldiers on the Wall were 17 years old.
• 5 soldiers on the Wall were 16 years old.
• One soldier, PFC Dan Bullock was 15 years old.
• 997 soldiers were killed on their first day in Vietnam.
• 1,448 soldiers were killed on their last day in Vietnam.
• 31 sets of brothers are on the Waili.
• Thirty one sets of parents lost two of their sons.
• 8 Women are on the Wall. Nursing the wounded .
• 244 soldiers were awarded the Medal of Honor during the Vi­
etnam War. 153 of them are on the Wall.
• West Virginia had the highest casualty rate per capita in the na­
tion. There are 711 West Virginians on the Wall.
• The most casualty deaths for a single day was on January 31 ,
1968-245 deaths.
• The most casualty deaths for a single month was May 1968­
2415 casualties were incurred.
Tax & Accountin
Thursday, .Jul 4
in observanc of
Independe').ee Day
Phone: 573В·581В·1088
Phone: 573В·265В·3271
"We can't all be heroes. Some of
us have to stand on the curb and
clap as they go by. "
For most of us, we see the numbers that the Vietnam War created. To
those who survived the war, and to the families of those who did not, they
see the faces and feel the pain that these numbers created. They were our
friends, fathers, husbands, wives, sons and daughters.
There are no noble wars, just noble warriors.
Emergency Supply Checklist
Funnel clouds have been observed on every contiВ­
nent except Antarctica. The United States has sigВ­
nificantly more than the rest of the world because of
low-lying geography and a climate that breeds strong thunderstorms.
With wind speeds up to 320 miles per hour, tornadoes kill about 60
people every year in the United States when uprooted trees and deВ­
bris turn into deadly missiles. Be prepared for the worst with our
emergency supply kit checklist. Once a year, check your supplies and
determine if your family needs have changed. Experts recommend
that each person (and pet) has supplies for at least three days, includВ­
• Bottled water-2 quarts per person, per day
• Non-perishable food
• First-aid kit-include prescription items as well as aspirin and antacids
• Tools such as a can opener, wrench and utility knife
• Whistle
• Flashlights
• Battery-powered radio
• Rain gear
• Batteries
• Blankets
• Clothing
• Heavy-soled shoes or boots
• Cash
• Photocopies of credit cards, passports, social security cards,
phone numbers and insurance information
1400 Forum Blvd., Ste. 38, Box 334
Columbia, MO 65203
Phone: 573В·256В·1930
April 13, 2013 Silver Saver fans cheer the Cards to a 8-0 victory over Milwaukee Brewers! [email protected]
Sure potato salad is a traditional 4th
of July picnic recipe just about every
year. But there's potato salad ...
and then there's potato saladl
8 med potatoes
1 t season salt
10 slices bacon, cooked & crumbled
8 green onions, sliced
1 t garlic salt
2 c shredded sharp cheddar cheese
16 oz sour cream
1 t black pepper
1 t yellow mustard
3/4 c mayonnaise
Boil potatoes until tender. Drain & allow to
cool, cube and put in large serving bowl.
Sprinkle with season salt and mix gently. In a
separate bowl, whisk together sour cream,
pepper, mayo, garlic, salt & mustard. Add
bacon, onion and cheese to potatoes. Mix
gently and stir in the dressing mixture. Cover I
and refrigerate at least 3 hours before serv- I
ing. Serves 8
_ _ .I
Caribbean Adventure of
J uneВ·
11 25
Visit ports of call England,
Norway Denmark Estonia Russia Finland & Belgium
~",1fI~ ,t14t~~'-, Friday, August 30 • 2:00 Showtime
with lunch at Settler's Inn and astop at Russell Stover Outlet
Hank Williams: Lost Highway is the spectacular and exhilarating musical
biography of the legendary singer-songwriter frequently mentioned as one
of the great innovators of American popular music. The play follows WilВ­
laims' rise from his beginnings on the Louisiana hayride to his triumphs on
the Grand Ole Opry to his eventual self-destruction at twenty-nine. Along
the way, we are treated to indelible songs like "I'm So Lonesome I Could
Cry," "Move It on Over" and "Hey, Good Lookin'," which are given fresh
and profound resonance set in the context of William's life.
Before the show, we stop at The Settlers Inn for lunch . Enjoy a hearty
family-style meal of salad, smoked pork chops, fried chicken, mashed
potatoes & gravy, green beans, rolls & cobbler with ice cream.
End the day with a stop at what has become a Lyceum Theatre Silver
September 21В·25
Head south right to the heart of
country music as we make our way
to Tennessee. Our home for the first night is the Club Hotel in Nashville
with dinner at Santa Fe Cattelman's Club followed by evening entertainВ­
ment at the Grand Ole Opry-with a backstage tour after the show. The
next morning we get up close and personal with a narrated and guided tour
of the city before heading to Pigeon Forge where we check in to the luxuriВ­
ous 4-star Clarion Inn. The next three days are packed full of good country
fun-Dixie Stampede, Comedy Barn, Titanic, Dollywood, The Smokey
Mountain Opry, Country Jamboree, Moonshine and Mountain Tour, Old
Smokey Distillery Tour, Hatfield & McCoy Dinner Show and don't forget
shopping time in Gatlinburg.
Tour package includes: roundtrip motorcoach transportaВ­
tion from designated MBT branches; driver gratuity; step-on
guide gratuities; 1 night Club Hotel in Nashville; 3 nights
Clarion Inn in Pigeon Forge; 4 breakfasts and 3 dinners;
admission to listed shows and attractions; 1pp baggage
handling and trip cancellation insurance.
$100 due with reservation-No later than
Balance due
We've got tickets to the hottest show in town!
Back to the Bowery Tour Overwhelming fan demand prompted a second
8:00 PI Coacert
night in St. Louis for Alabama's Back to the
Bowery tour and we've got your tickets! The
legendary country music supergroup, is back on SATURDAY
the road, celebrating 40 years since their very
first concert at The Bowery in Myrtle Beach.
With a career to date that has resulted in 21 Due to high demand
gold, platinum and multi-platinum albums, 43 #1 & limited tickets,
Singles and over 73 million records sold, AlaВ­ reservations must be
bama has received over 150 industry awards accompanied
including 8 country music "Entertainer of the payment. Seat selecВ­
Year" honors, 2 Grammys; 2 People's Choice tion is awarded lotВ­
Awards and their very own star on the tery style from al/
"Hollywood Walk of Fame." The band received reservations
the Acaderny of Country Music's Pioneer Award ceived by July 1.
in 2003, was inducted into the Country Music Tickets were purВ­
Hall of Fame in 2005, and most recently won chased on the initial
the American Country "Greatest Hits" Award in sale release date as
2011. Members Randy Owen, Teddy Gentry "best available" and
and Jeff Cook all hail from Ft. Payne, Alabama include a MetroTix
and have enjoyed 40 years of unprecedented Iservice fee.
TUESDAY, JULY 2 • ADAY AT THE RACES It's a thrilling day at the track! Nothing else matches the excitement of The
Sport of Kings-and you can bet on it! Bet the trifecta, exacta &daily douВ­
ble-or try your luck on a long shot at Fairmount Park in Collinsville, IL.
Enjoy lunch at the Clubhouse Black Stallion Buffet with a sprawling view of
the track right from our group reserved tables! Tables are reserved for the
entire day so you can watch the races from the climate-controlled clubВ­
house or step outside and get closer to the action.
Your price includes roundtrip motorcoach transportation from designated
MBT branches; driver gratuity; admission to the track; Black Stallion BufВ­
fet with reserved seating, tax and gratuity and official race program guide.
RSVP and Pay by June 25 to be entered into our drawing for 1 of 6
chances to go to the Winner's Circle and present the trophy to the
winner's owner for the race named in our honor.
gues s
Reservations with payment accepted thru July 1 or
when requests exceed available tickets. Price inВ·
eludes roundtrip motoreoaeh transportalion; driver
gratuity & concert ticket.