Your Community Bank's eNewsletter                        September  2018
Dear friend, 

No matter which of the Four Corners states you spent your summer, chances are it was one to remember. Below are some of the ways we wrapped up the season. Be sure to check out our suggestions for speaking to your children about money. (It is never too early for lessons in financial literacy!) How will you spend the final days of the season?   
Welcome fall, 
Sheila Mathews | President and CEO
FCCB Community News:  Around the Four Corners 
Community Concert Series at Rochester House Wraps Up 
Four Corners Community Bank was delighted to sponsor the Community Concert Series this summer in partnership with the Community Foundation Serving Southwest Colorado. Each sponsored non-profit group is doing amazing things for the residents of La Plata County. The Rochester Hotel's Secret Garden was the perfect setting too! We hope you'll join us ne xt year. 
The FCCB gang enjoy the Lawn Chair Kings on August 22, supporting La Plata Youth Services

FCCB purchased nearly $4,000 in livestock at the Montezuma County Fair Junior Livestock Auction, supporting the youth who raised the animals.  Ribbons from the purchases are displayed at our 77 West Main Street branch in Cortez.   

Teaming up for The First Tee Corporate Challenge Golf Tournament at Riverview Golf Course in Kirtland.
Customer Corner: October observances 
Holiday closure 
Oct. 8:  All FCCB locations will be closed Monday, October 8 in  observance of Columbus Day 

Save the date
Oct. 29-Nov. 10:  Blue Star Mothers' military care package drive/drop off at NM FCCB locations 

October:  National Cyber Security Awareness Month
Oct. 1-5: Financial Planning Week
Insight: How to talk to your kids about money
If they are old enough to ask for a toy, they are old enough to start learning financial lessons. Look for opportunities to talk about money such as reading books and playing games that center around spending wisely. Be open and honest about your financial experiences--good or bad.  Consider these other teachable moments:
At the bank: B ring your children and show them how transactions work. Ask an employee to explain how the bank operates, how money generates interest, and how an ATM works. 

On payday:  Discuss how your pay is budgeted for housing, food, and clothing, and how a portion is saved for future expenses such as college tuition and retirement.

At the store:  It's easy to give clear examples of "needs" versus "wants" using foods at a grocery store. Milk (for strong bones) is a "need." Soda, however is an unnecessary "want." Explain the benefits of comparison shopping, coupons, and store brands.

Chores and allowances:  Assign chores and determine a monetary value for each task. Discuss ways to budget and divide allowances. Encourage children to set a financial goal, such as saving for a bike, and figure out how to achieve it.

Paying bills:  Explain the ways that bills can be paid: over the phone, by check, electronic check, or online check draft. Discuss how each method of bill pay takes money out of your account. Be sure to cover late penalties, and emphasize the importance of paying bills on time and maintaining good credit.

Using credit cards:  Explain that credit cards are a loan and need to be repaid. Share how each month a credit card statement comes in the mail with a bill. Go over the features of different types of cards, such as ATM, debit, and credit cards.

Shopping online: Explain to your children how valuable their personal information and privacy are, and the ways online predators try to obtain it. Discuss the risks and benefits of sharing certain information. Make a list of rules for keeping personal information safe online.

Planning a vacation:  Emphasize the value of saving as a family. Set a family savings goal that involves your children. Determine the cost and discuss ways everyone can help contribute. 
Staff Feature: Welcome to the mortgage team! 
Our t eam is growing! Welcome Carey Montoya 
Carey joins the FCCB mortgage lending team with many years of experience and extensive knowledge incl uding c onventional, FHA, U SDA, and  VA loan programs.  Connect with Carey to learn how she can help you

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Four Corners Community Bank
500 West Main Street, Suite 101 | Farmington, NM 87401
NM: 505.327.3222 | CO: 970.565.8421 | Toll free: 1.855.547.3222
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