NEWSLETTER Issue 34 • July 2010 “For The Young At Heart” YOUR LIFESTYLES ADVISORS: CARTHAGE: 3 rd & Maple ................................. Lisa Passley – 358-9331 2417 S. Grand ...................... Bonita Harrison – 358-1770 JASPER ...................................... Della Selvey – 394-2546 ALBA ............................................................. – 525-4218 NEOSHO: ................................ Linda Martin – 451-7800 S. Hwy. 59 ...................................................... – 451-7700 DUQUESNE ........................... Shanon Buck – 623-5959 JOPLIN: 32 nd & Indiana ............................ Becca Roush– 624-1995 Zora ................................ Stephanie Brammer – 206-6800 Stones Corner ..................... Heather Henson – 623-0400 32 nd & McClelland .................. Brenda Danner – 623-5255 IMPORTANT PHONE NUMBERS Customer Service .......................... 1-800-943-8488 24-Hour Access Line ..................... 1-800-300-5580 Investment Services ............ 781-6019 or 358-9331 Trust Services .......................................... 623-3424 Mortgage Loan ......................................... 624-9970 Consumer Loan ......................... Info. in all branches Judy Marcum ........................................... 624-1995 Greetings from my daughter’s home - still! If you haven’t heard, I broke my right leg on April 10 and had my operation April 20 to repair 8 fractures. I have not been able to put weight on my leg all this time but am currently able to put 25% of my weight on it. I will be back in my office shortly after my next Dr. appointment on July 14 and I am looking forward to getting “back in the saddle”. THANKS to all of my customers who sent me Get Well cards - the current total I have received is 217 cards. They have been SO appreciated during this time. For my bus buddies, Bob is hanging in there too but ready to get me back home and on my feet again…SOON I HOPE!!! Are you still receiving calls from telemarketers? The Missouri No Call Team can report telemarketers violating the No Call Law by submitting a complaint at the internet website ago.mo.gov or by calling toll-free 1-866-buzzoff (1-866-289-9633). Will you turn 50 years old or celebrate your 50th wedding anniversary in 2010? If so, Silver Dollar City has a special gift for you. You can receive free admission to Silver Dollar City all year. You will need to present your photo identification (and marriage license for your anniversary) at the admissions gate. What a great way to celebrate! The upsideDown theatre company, LLC will present “Loveland”, a musical revue featuring Meg Berrian (our receptionist at the Carthage downtown branch), Matt Campbell, Rebecca Luebber, Matt Myers, and Kenny Timrel on July 9 and 10 at the former Joplin Woman’s Club building at 204 N. Jackson in Joplin. Tickets are $10.00 in advance, or $12.00 at the door. Food, wine, beer and soft drinks will be available for purchase, cash only please. Doors will open at 6:30 p.m., and the program begins at 7:00 p.m. For reservations or for more information, call 417-850-2093. Hope to see many of you at our Online Banking/ PowerPay Seminar we have scheduled. IT’S FREE and reservations can be made at any of our locations. Have you seen our website?? If you go to www.smbonline.com and click on Lifestyles, you can see events for the entire year PLUS there is an RSVP link. Let us hear from you. Judy’s Journal… SOUTHWEST MISSOURI BANK SEMINAR Monday, July 26, 2010 Duquesne Community Center TOPIC: Online Banking/PowerPay FOR ALL CUSTOMERS PRESENTER: Blake Roth, SMB Online Coordinator TIME: 6:00 PM TO MAKE YOUR RESERVATION: Call Judy Marcum at 624-1995 or any Lifestyles Advisor - Guests are WELCOME! DOOR PRIZES • REFRESHMENTS
Transcript
NEWSLETTERIssue 34 • July 2010
“For The Young At Heart”
YOUR LIFESTYLES ADVISORS:CARTHAGE:3rd & Maple .................................Lisa Passley – 358-93312417 S. Grand ...................... Bonita Harrison – 358-1770JASPER ......................................Della Selvey – 394-2546ALBA ............................................................. – 525-4218NEOSHO: ................................Linda Martin – 451-7800S. Hwy. 59 ...................................................... – 451-7700DUQUESNE ........................... Shanon Buck – 623-5959JOPLIN:32nd & Indiana ............................ Becca Roush– 624-1995Zora................................ Stephanie Brammer – 206-6800Stones Corner ..................... Heather Henson – 623-040032nd & McClelland ..................Brenda Danner – 623-5255
IIIII MPORTANT PHONE NUMBERS
Customer Service .......................... 1-800-943-848824-Hour Access Line ..................... 1-800-300-5580Investment Services ............ 781-6019 or 358-9331Trust Services .......................................... 623-3424Mortgage Loan ......................................... 624-9970Consumer Loan ......................... Info. in all branchesJudy Marcum ........................................... 624-1995
Greetings from my daughter’s home - still! If you haven’theard, I broke my right leg on April 10 and had myoperation April 20 to repair 8 fractures. I have not beenable to put weight on my leg all this time but amcurrently able to put 25% of my weight on it. I will beback in my office shortly after my next Dr. appointmenton July 14 and I am looking forward to getting “back inthe saddle”. THANKS to all of my customers who sentme Get Well cards - the current total I have received is217 cards. They have been SO appreciated during thistime. For my bus buddies, Bob is hanging in there toobut ready to get me back home and on my feetagain…SOON I HOPE!!!
Are you still receiving calls from telemarketers? TheMissouri No Call Team can report telemarketers violatingthe No Call Law by submitting a complaint at the internetwebsite ago.mo.gov or by calling toll-free 1-866-buzzoff(1-866-289-9633).
Will you turn 50 years old or celebrate your 50thwedding anniversary in 2010? If so, Silver Dollar Cityhas a special gift for you. You can receive free admissionto Silver Dollar City all year. You will need to presentyour photo identification (and marriage license for youranniversary) at the admissions gate. What a great wayto celebrate!
The upsideDown theatre company, LLC will present“Loveland”, a musical revue featuring Meg Berrian (ourreceptionist at the Carthage downtown branch), MattCampbell, Rebecca Luebber, Matt Myers, and KennyTimrel on July 9 and 10 at the former Joplin Woman’sClub building at 204 N. Jackson in Joplin. Tickets are$10.00 in advance, or $12.00 at the door. Food, wine,beer and soft drinks will be available for purchase, cashonly please. Doors will open at 6:30 p.m., and theprogram begins at 7:00 p.m. For reservations or formore information, call 417-850-2093.
Hope to see many of you at our Online Banking/PowerPay Seminar we have scheduled. IT’S FREE andreservations can be made at any of our locations.
Have you seen our website?? If you go towww.smbonline.com and click on Lifestyles, you cansee events for the entire year PLUS thereis an RSVP link. Let us hear from you.
Judy’s Journal…
SOUTHWEST MISSOURI BANKSEMINAR
Monday, July 26, 2010Duquesne
Community Center
TOPIC:Online Banking/PowerPay
FOR ALL CUSTOMERS
PRESENTER:Blake Roth, SMB Online Coordinator
TIME: 6:00 PM
TO MAKE YOUR RESERVATION:Call Judy Marcum at 624-1995
or any Lifestyles Advisor - Guests are WELCOME!DOOR PRIZES • REFRESHMENTS
My banking career started in 1980 and oddly enough I worked with StephanieBrammer at that time. Getting to work with her as a Lifestyles Advisor at SMB iswonder ful. You just never know whose path you will cross later in life!
I have been married for nearly 32 years and have two grown sons. I am patientlyawaiting the arrival of my first grandchild in September…and can’t wait. I love toread mystery novels, spend time with my sisters and travel.
Zora is a great group of people, so if you have not been in to do business with us,please stop by so we can meet you.
Meet the Zora Branch
Stephanie Brammer & Sherry Lawrence
Stephanie Brammer, Lifestyles Advisor
Greetings from Sherry Lawrence, Branch Manager
Hello, I am Stephanie Brammer. I have been with SMB for over 8years. I have spent time in Carthage, Duquesne and am now hereat Zora. I have lived in the area all of my life. I have been married tomy husband, Garry, for 31 years. We enjoy spending time with ourfamily and I enjoy shopping and designing jewelry.
Please stop by and see me when you are in the area. I would loveto help you with all of your banking needs.
Anavel Moreno, Allie Hogelin, Misty Phipps, Zane Elder, Ida Still,Heidi Oliver, Mary Beezley
Marie Dame & Pat Palmer atthe June birthday luncheon
Judy Marcum and companyenjoying Springfield Cardinals
baseball game A group enjoyed a trip to see the Springfield Cardinals playbaseball. Everyone had a great time and our team won!
We are happy to introduce to you thenewest member of our team, ElizabethWelters, Assistant Trust Administrator.Elizabeth grew up in Monett, attendingKindergarten through 12TH grade thereand continued her education at CrowderCollege in Neosho. She is a graduate of Missouri SouthernState University, where she received her Bachelor’s Degree inInternational Business with a minor in Spanish. Whileattending college, Elizabeth took the opportunity to studyabroad in Denmark, England, China and Chile. She alsovisited Germany, Spain, Ireland, France, Egypt, Argentina andPeru! Elizabeth now resides in Joplin and enjoys spendingtime with her roommates, running, playing volleyball,scrapbooking, and is attempting gardening. She also enjoysspending time with her family and boyfriend. Feel free to shareyour experiences about your travels, give some gardeningtips or ask her about the Trust Department’s services.
Chris Gawith, Assistant Trust Administrator, has been withthe Trust Department now for almost two years. Chris grewup in Neosho, attending 2ND through 12TH grade there andthen moved to Springfield to continue his education at OzarkTechnical Community College, majoring in Accounting, whileworking for a small CPA and financial firm, Rekate Advisors.Chris now resides in Joplin, still continuing his education atCrowder College, with his wife Kiri and their dog Ace. Heenjoys softball, working out at the gym, racquetball andplaying golf. Chris has been on many mission trips to Mexicoand Costa Rica.
Many of you have been asking, and we have been listening…wehave scheduled two more trust and estate planning seminarsfor September 14, 2010 at the Carthage South BranchCommunity Room, located at 2417 South Grand, Carthage,Missouri and for September 16, 2010 at the DuquesneCommunity Room located at 7th & Duquesne, Joplin, Missouri.Both seminars will begin at 6:00 p.m. There is no charge forthese seminars and we will have light food and beverages.Please make a reservation so we know how much food to orderby calling the Trust Department at 417-624-3424.
Remember that we will meet with you at any of our locationsto discuss your estate planning, trust and probate estateneeds. We also have an Estate Inventory Worksheet to assistyou in the evaluation of your assets. This is available onlineat www.smbonline.com under “Trusts” or you can pick oneup at our office. If you have any questions or would like toschedule an appointment, please call us at 417-624-3424or 1-800-943-8488 and ask for the Trust Department. Welook forward to serving you.
Doug CrandallSenior Vice President
& Trust Officer
Lifestyles Events…
Lifestyles Events…
LOOK WHAT’SHAPPENING IN THE
TRUST DEPARTMENT!
TRUST DEPARTMENT….Doug Crandall & Staff Alice Taft, Chris Gawith, Richard Patterson & Elizabeth Welters
What a treat this is going to be…this is an 8:00 p.m. show onlyand to help keep the price of the trip down, it was decided to eatsub sandwiches, chips and cookies on the way to Branson insteadof stopping somewhere. Johnny isn’t cheap you know! Details:Depart Joplin at 4:30 p.m; pick up passengers in Carthage at 4:50p.m. Approximate return time to Joplin is 12:30 a.m.
Cost: $85.00 per personDeadline for having money in Judy’s office is October 12
SATURDAY, NOVEMBER 12, 2010JOHNNY MATHIS AT
THE MANSION THEATRE - 1 BUS ONLYBRANSON
The setting is New York City at Christmas and what beautifulcostumes, songs and scenery we will see. Prior to the 3:00 p.m.matinee, we will eat an included lunch at McFarlain’s Restaurantat the Imax Mall and hopefully, have time for some last minuteChristmas shopping too. Details: Depart Joplin at 10:00 a.m;pick up passengers in Carthage at 10:20 a.m. Approximate returntime to Joplin is 8:00 p.m.
Cost: $63.00 per personDeadline for having money in Judy’s office is November 1
THURSDAY, DECEMBER 1, 2010“SPIRIT OF CHRISTMAS” AT
BRANSON VARIETY THEATREBRANSON
PLANS FOR 2010
Dec. 2 Neosho Christmas Party - United Methodist Church Life Center
Dec. 7 Carthage Christmas Party - Fairview Christian Church
Dec. 9 Joplin Christmas Party - Butcher’s Block Banquet Center
SMB Trust Department - Elizabeth Welters, Richard Patterson,Doug Crandall, Alice Taft, Chris Gawith
HAPPY BIRTHDAY!To celebrate your birthday, Southwest Missouri Bank
CARTHAGE * JOPLIN * DUQUESNE * NEOSHO * JASPER * ALBAcordially invites you to YOUR BIRTHDAY PARTY! For ALL Lifestyles Members with birthdays in JULY
Lifestyles members whose birthdays are in July will be guests of the Bank. Guests of birthday members are welcome at a charge of $11per person for the luncheon and $15 per person for the dinner. Payment for guests must be made at time of reservation. To make yourreservation, please call: Judy Marcum, 624-1995 or contact the Lifestyles Advisor at any SMB location most convenient for you.
—OR—When making your reservation for this location, please select
either the 6 oz. Filet Mignon OR the Chicken Cordon Bleu
THURSDAY, JULY 15, 2010 AT 6:00 PMClub 1201, 1201 E. 32ND St. – Joplin
When making your reservation for this location,please select either the Italian Chicken OR Sliced Sirloin
TUESDAY, JULY 13, 2010 AT 12:00 NOONat Granny Shaffer’s Trolley Room – Joplin
Please join us as we head to Branson for a great show that Lifestyleshas not attended before. Prior to the 2:00 p.m. matinee, we willeat a delicious lunch at Montana Mike’s (Hwy. 248 location). Whenwe arrive, we will have our choice of entrees from their groupmenu and it’s always good! Details: Depart Joplin at 9:30 a.m;pick up passengers in Carthage at 9:50 a.m. Approximate returntime to Joplin is 7:00 p.m.
Cost: $55.00 per personDeadline for having money in Judy’s office is July 26
THURSDAY, AUGUST 26, 2010RED, HOT & BLUE SHOW - 1 BUS ONLY
BRANSON
Calling all golfers! Mark your calendar and letters will go out inAugust to all of last year’s participants. New players, please callJudy and I will send you a letter. If you have a team, that’s great.If not, we will put you on a team. We will have lunch first, playgolf, then serve dessert during the Awards Banquet. We will havea 1:00 p.m. shotgun start.
Cost: $38.00 SMB Customer$58.00 Non-Customer
THURSDAY, SEPTEMBER 23, 2010LIFESTYLES GOLF TOURAMENT
NEOSHO GOLF COURSE
Join us for a very entertaining show that’s fairly new to Bransonand a must see! We will first stop in Ozark on the way and have anincluded lunch at Lambert’s. We will also have a brief stop at Dressin’Gaudy before the 2:00 p.m. matinee show. Sounds fun doesn’t it?Details: Depart Joplin at 9 a.m; pick up passengers in Carthageat 9:20 a.m. Approximate return time to Joplin is 7:00 p.m.
Cost: $69.00 per personDeadline for having money in Judy’s office is September 13
WEDNESDAY, OCTOBER 12, 2010THE “SIX” SHOW - 1 BUS ONLY
BRANSON
At press time we still have some room on this trip to see CathyRigby live and in person. Prior to the 3:00 p.m. matinee, we willhave a delicious and fun lunch at Fall Creek Steakhouse (wherethey throw those delicious hot rolls). Details: Depart Joplin at10:30 a.m. pick up passengers in Carthage at 10:50 a.m.Approximate return time to Joplin is 8:00 p.m.
Cost: $76.00 per personCall NOW for ticket availability
THURSDAY, JULY 22, 2010“PETER PAN” WITH CATHY RIGBY
MANSION THEATRE - BRANSON - 2 BUSSESDon’t wait too long to let us know if you want to join us on thistrip to see one of the funniest comedies ever…it stars HowardHesseman (Johnny Fever on “WKRP In Cincinnati” TV show). Withthis being our final TNT trip for the year, we will make our usualstop at Russell Stover Candies. Details: Depart Joplin at 8:30 a.m;pick up passengers in Carthage at 8:50 a.m. Approximate returntime to Joplin is 7:30 p.m.
Cost: $70.00 per personDeadline for having money in Judy’s office is August 27
WEDNESDAY, SEPT. 29, 2010“THE SUNSHINE BOYS” AT THE NEW THEATRE
OVERLAND PARK, KS
If you have never seen this show, you are missing out! You havenever seen so much talent on one stage. On our way to Branson,we will make a stop in Springfield for a delicious lunch at Zio’sItalian Kitchen. Following the 2:00 p.m. matinee, we will head homeand back by popular demand, tour the Christmas lights in Carthage.Details: Depart Joplin at 9:30 a.m; pick up passengers in Carthageat 9:50 a.m. Approximate return time to Joplin is 7:30 p.m.
Cost: $71.00 per personDeadline for having money in Judy’s office is October 7
TUESDAY, NOVEMBER 8, 2010THE HUGHES BROTHERS
FAMILY CHRISTMAS SHOWBRANSON
Sometimes a portfolio, no matter how cleverly designed when it was new, simply fails to meetexpectations. The markets and sectors may have changed substantially, or perhaps an investor’s goalshave shifted.
No matter the cause, such a portfolio is ripe for redesign. That’s a bit more drastic than merelyrebalancing, which, essentially, means restoring your original asset allocation among investmentcategories.
Redesigning, on the other hand, means taking your existing portfolio apart and reconstructing it. In viewof how the market and the world have changed, some portfolios may need redesigning rather thanmerely rebalancing.
When you look at your portfolio, consider how it got to where it is. It’s common enough for portfolios togather dust for years, so yours may not have changed substantially in a very long time - it may date froma time when your television needed tubes and your car phone weighed as much as a brick.
It never pays to be too quick to redesign, however. Give the idea some thought and you may resolve thatonly a partial redesign is needed to add to or replace old investment categories with up-to-date choicesthat better suit today’s market and your current needs.
MATERIAL PREPARED BY RAYMOND JAMES FOR USE BY ITS FINANCIAL ADVISORS.
MINIMUM LIFESTYLESREQUIREMENTS:
• Age 50 years or over• Need a Lifestyles checking account
($1,000 minimum)If you have a total depositrelationship of $5,000 or more withSMB, there is no minimum balancerequirement for the checking accountand the account is free
The SMB Investment Club meetsmonthly on the 2nd Tuesday in theDuquesne Community Center at 2:00 PM.This club is open to ALL SMBcustomers. Any age customer is welcometo join, but you do need a checkingaccount. If you would like to visit one oftheir meetings to see what it’s all about,give Judy a call!
FINANCIAL PLANNING:Rebalance or Redesign? When Your Portfolio Needs An Overhaul
NOT FDIC INSURED – NO BANK GUARANTEE – MAY LOSE VALUE
A new regulation, effective this summer, could change the way SMBhandles your ATM and everyday debit card transactions.
The regulation was created so that customers could choose to allow ornot allow banks to authorize ATM and every day debit card transactions ifthe account had insufficient funds and be charged a fee for that service.So you now have a choice regarding how this is handled.
Q. What is going to be different because of this regulation?A. If you choose to opt-in, nothing! Your card will continue to work as itdoes currently with no interruption in service. If you opt-out, we will nolonger allow ATM and every day debit card transactions on accounts withinsufficient funds and therefore your card will be declined in those situations.
You will soon receive a letter from the bank with a form attached. Theletter will explain in detail the new regulation and how the changes willaffect you. You can then make your choice of opting-in or out, and returnthe form to the bank. You can also let us know by phone, email, or juststopping by and speaking to your favorite teller.
If you don’t make your choice by August 15th, you will automatically beopted-out. We must receive your response to continue the service. Andyou can change your mind at any time!
The important point to remember is: If you like the way we handle youraccount now, and want the service we provide to continue, you shouldOPT-IN. If you want us to decline your ATM or debit card if it’s goingto make you go into overdraft, you should OPT-OUT. Please call yourfavorite banker if you have any questions.
LIFESTYLES EVENT RESERVLIFESTYLES EVENT RESERVLIFESTYLES EVENT RESERVLIFESTYLES EVENT RESERVLIFESTYLES EVENT RESERVAAAAATION FORMTION FORMTION FORMTION FORMTION FORMPlease print clearly and send this reservation form with payment to:
Judy Marcum • Southwest Missouri Bank • 1000 East 32nd St. • Joplin, MO 64804
G E N E R A L T O U R I N F O R M A T I O NAdvance reservations are encouraged and will be accepted for all trips. The sooner your reservation is received the better. All tripshave a deadline for payment to be received in Judy’s office. After the deadline, unpaid tickets will be returned to the theater.Confirmation letters, with a full itinerary, will be mailed 4-5 weeks prior to departure date. If there are any questions, please contactJudy, 624-1995 or your local Lifestyles Advisor.
