Martinsburg Bank and Trust June 2013 Get in on the Good Times! 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 www.martinsburgbank.com MAYBE IT'S TIME FOR "THE TALK" 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, responsibil 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. MARTINSBURG BANK AND TRUST VISA CREDIT CARD 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 Experian.com , Transunion.com and Equifax.com. 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 poten 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 cur rent financial situation before making a decision to buy on credit. annualcreditreport.com COMMT TO ACTIVELY MONITORING YOUR CREDIT REPORT. If you don't want to go to the extreme of freezing your credit you can actively mon itor your credit account for inaccuracies and fraudulent activity. Unfortu nately, there are many firms that want to charge you for this service that you can access each year for free at annualcreditreport.com, the only site au thorized under federal law. Each of the three credit bureaus, Experian, Transunion and Equifax 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. Annualcredit report.com 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 THE VIETNAM WALL 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. . ,.,;::Iv.» Martinsburg Bank and Trust • VETERANS SERVICE NORTHEAST REGION Hillebrand Insurance ~ MISSOURI VETERANS COMMISSION 205Jefferson Street, 12th Floor PO Box 147 Jefferson City, mo 65102·0147 Phone: 573·751·3779 www.mvc.dps.mo.gov ~ '- ~ • The names are arranged in the order in which they were (/0 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. :\I MBT Tax & Accountin Thursday, .Jul 4 in observanc of Independe').ee Day VETERANS PROGRAM INFOR· MATION 1·866·838·4636 MEXICO VETERANS HOME Phone: 573·581·1088 ST. JAMES VETERANS HOME Phone: 573·265·3271 JACKSONVILLE CEMETERY "We can't all be heroes. Some of us have to stand on the curb and clap as they go by. " CENTRAL MISSOURI HONOR FLIGHT 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. ( ( 7 7 / I Emergency Supply Checklist Funnel clouds have been observed on every conti nent except Antarctica. The United States has sig 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 de 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, includ ing: • 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: 573·256·1930 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 I - - - - - - - - - - - - - - - _ _ .I Scandinavian Cruise TenneS8e Jamboree Royal the Caribbean Adventure of Seas J une· 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 Wil 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 '1 $V 12i:~~::ell Slover'tcandY OUllelgU"~ $119 September 21·25 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 entertain 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 luxuri 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 transporta 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 JULY 15 Balance due AUGUST 15 $ 999 membm + gue,,, $1049 We've got tickets to the hottest show in town! ALABAMA 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, Ala reservations must be bama has received over 150 industry awards accompanied by including 8 country music "Entertainer of the payment. Seat selec Year" honors, 2 Grammys; 2 People's Choice tion is awarded lot Awards and their very own star on the tery style from al/ "Hollywood Walk of Fame." The band received reservations re the Acaderny of Country Music's Pioneer Award ceived by July 1. in 2003, was inducted into the Country Music Tickets were pur 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. success. FuTheatre ROVEMBER9 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 dou 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 club 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 Buf 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 $139 83 chances to go to the Winner's Circle and present the trophy to the winner's owner for the race named in our honor. $73 $ members t gues s Reservations with payment accepted thru July 1 or when requests exceed available tickets. Price in· eludes roundtrip motoreoaeh transportalion; driver gratuity & concert ticket.