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CLOSINGS | ANNUAL MEETING | SAVE THE DATES | EVEREST FINANCIAL
DATES TO REMEMBER | CHRISTMAS CLUB | SHOP SMALL | GEMS OF EXCELLENCE
BIRTHDAYS | RECIPES | WINTER MONEY SAVING TIPS | ONLINE LENDING
CARBON MONOXIDE PROTECTION | DRAGONFLY | SWITCH | MOBILE BANKING
VISA GIFT CARDS | VISA | HSA | INTERNET BANKING | IDENTITY THEFT | JOKES
The Bank Will Be Closed
NOVEMBER 23 - THANKSGIVING
DECEMBER 23 & 25 - CHRISTMAS
DECEMBER 30 & JANUARY 1 - NEW YEAR
January 29, 2018 @ 7:00PM
Save the Dates
Everest Financial

I recently read an article about the top ten most stressful life events on a web-site from Pain Doctors. The article talked about how stress events can often lead to illness Each event is given a "Life change unit" score. The top five events and their corresponding score are as follows:

1. Death of a spouse 100

2. Divorce 73

3. Marital separation 65

4. Imprisonment 63

5. Death of a close family member 63

Richard S. Lazarus is credited with the creation of the modern definition of stress. This is the feelings we experience when “demands exceed the personal and social resources the individual is able to mobilize. To this end, I believe there is great value in educating ourselves as much as humanly possible on how to prepare for the seen and unseen eventualities in life. This is what our seminar series is all about. We will be discussing Retirement Planning, Long Term Care, Estate Planning, Social Security and What to do when a loved one dies. Let us help you relieve stress in your life by sharing ideas on these subjects. I hope to see you at one of our upcoming events.

Sincerely,

Joseph Duffey, CLU®, NSSASM, RICP®



UPCOMING SEMINARS

All Seminars are held at Peoples First Savings Bank in Mason
225 Reading Road | Mason, Ohio 45040

NOVEMBER 9, 2017 at 6:00pm
What To Do When a Spouse or Loved One Dies

VIEW FLYER



NOVEMBER 14, 2017 at 6:00pm
Helping Someone You Love, Plan for Extended Care

VIEW FLYER


CALL LISA TODAY (513) 229-5321
RSVP AND GUARANTEE YOUR SEAT


Hope you can attend..
As always, all seminars are for educational purposes only. If you feel you may want to discuss your insurance needs, please stop in and let's talk about it.
Joe Duffey

Contact Joe Duffey

Veterans Day | NOVEMBER 11
First Day of Winter | DECEMBER 21

Back to School
OPEN. SAVE. SHOP!

HAVE YOU STARTED YOUR
CHRISTMAS CLUB ACCOUNT YET?


OPEN ONE TODAY!
Deposit automatically from your paycheck or set a transfer from your current checking and have your holiday or vacation savings ready for you in October 2018!

Saturday, November 25, 2017 is Small Business Saturday® – a day to celebrate and support small businesses and all they do for their communities. Please join the SBA and organizations across the country in supporting your local small business by shopping at a small business.
If you're a small business owner
Help attract even more customers on Nov 25 with the Shop Small® Studio

Awards were held on October 26, 2017 at the Manor House

Happy Birthday cupcakes

BIRTHDAYS

November 28 | Kristina
December 26 | Angie

Recipes

The Beef Tenderloin recipe comes from our friends at The Spicy Olive where you can find the olive oils and balsamic vinegars to make recipes even more tasty www.thespicyolive.com

Espresso/Harissa Marinated Beef Tenderloin

What You Need
3-4 lb Beef Tenderloin trimmed
1/2 tsp Pepper
2 tsp Sea Salt (or steak seasoning)
1/2 cup Espresso Balsamic Vinegar
1/2 cup Harissa Olive Oil
Fruit Pie
Make It
  1. The day before, place beef tenderloin in a bag and pour the Espresso balsamic and the Harissa olive oil over the meat. Release any air from the bag and seal. Place in refrigerator and allow to marinate overnight.
  2. To prepare beef tenderloin, remove from bag and coat the tenderloin with sea salt and pepper or with your favorite steak seasoning. Allow meat to warm up to room temperature. Preheat oven to 400 F.
  3. Place tenderloin on a flat roasting pan and place in preheated oven. Allow to cook for 45 minutes to an hour or until meat thermometer inserted in middle of tenderloin reads 130 degrees.
  4. Allow to rest for 10 minutes before slicing. Slice into medallions that are 1/3 to 1/2 inch thick. Fan out the slices on a serving platter and top with Mushroom Sauce. The thinner end pieces will be more well done and the center will be medium rare, so everyone can find a piece to their liking.

Mushroom Sauce
  1. Place one package of sliced mushrooms in a saute pan with The Spicy Olive’s Garlic olive oil.
  2. Turn stove to medium high and cook mushrooms. Add 1/3 cup of Espresso Balsamic and 2 Tablespoons of Harissa olive oil. Add 2 Tablespoons of A-1 Sauce.
This is an annual favorite and great for Holiday Celebrations or anytime you want an easy way to serve mashed potatoes and keep them warm throughout the meal.

Crockpot Mashed Potatoes

What You Need
5 lbs Yukon gold potatoes
1 8 oz package cream cheese
1 8 oz sour cream
1 stick butter
Salt/pepper to taste
Garlic (optional)
Pumpkin Pie
Make It
Peel and cook potatoes as you would usually do for mashed potatoes.
When ready to mash, add the cream cheese, sour cream, salt/pepper.
Add garlic cloves to taste If you are using those. Mash all together then place in crock pot
Refrigerate overnight - up to a day.
When ready to heat up put crock into serving unit - place stick of butter on top of mashed potatoes heat at least for 2-3 hours or longer on low.
TIPS TO HELP SAVE MONEY THIS WINTER
Heating costs can throw a wrench into your winter budget — and the cold can make you cranky. But you can limit the discomfort by addressing the gaps, cracks and waste that drive up fuel costs. Such fixes are available at a lower price than you might imagine.

Run through this checklist of fixes to make your house cozier and your heating more affordable this year.

1. Install weather-stripping
Check your home’s exterior doors for cold air leaks. Do this from inside the house. The high-tech approach is to use a laser infrared thermal gun to detect cold drafts. The low-tech way is to move a lit candle around the door frame; the flame will blow toward you when there is a draft.
Seal a drafty door by installing foam or felt weather-stripping inside the door frame. Ask at your hardware store for the correct products and installation instructions.
Cost: $10 to $20 per package for most standard products.

2. Install a door sweep
Use a door sweep to stop drafts from entering your home under an exterior door. A sweep is a flexible piece of rubber or plastic that’s held to the door’s lower edge by a strip of aluminum.
Cost: $5 to $35.

3. Seal attic air leaks
Find and seal gaps that could be allowing as much as 30 percent of your heated or cooled air to leak outdoors. These leaks can add up to $300 a year to heating and cooling costs,HouseLogic says.
Pull back attic insulation to find and seal cutouts in drywall for electrical fixtures, pipes, fans and outlets. Also check wiring, chimneys, flues, vent stacks and ducts, and seal them on the inside. Use caulk to fill smaller gaps and pressurized expanding foam for bigger openings.
Cost: Caulk costs about $2 to $3 per tube. Expanding polyurethane foam runs less than $5 for a 12-ounce can.

4. Close the damper
Heated or cooled air flies up the chimney when you leave the fireplace damper open. Make it a habit to shut the flue after the fireplace has cooled.
Cost: $0

5. Add attic insulation
Insulation keeps warm air inside in the winter and expensively cooled air inside in the summer.
“Typically, houses in warm-weather states should have an R-38 insulation in the attic, whereas houses in cold climates should have R-49,” says This Old House, explaining how to install batting-type insulation.
Insulating an attic, basement or crawl space is moderately difficult, and beginners should hire a professional. If you do, ask if you can perform parts of the job to reduce the cost.
Admittedly, insulating is not a cheap job. But the payback can be huge, and you may find rebates and financial incentives. See Energy.gov’s guide to sources and to a calculator to estimate the return on an insulation investment.
Cost: Prices vary, depending on factors such as insulation type, local labor costs and size of the attic.

6. Install a programmable thermostat
A programmable thermostat can save up to $180 a year on fuel costs, according to EnergyStar. The thermostat can save fuel by automatically lowering (or raising) your home’s temperature while you’re away. It also keeps temperatures consistent, saving fuel.
Do not use a programmable thermostat with a heat pump unless the thermostat is meant for use with heat pumps.
Cost: Wi-Fi-enabled “learning” thermostats are expensive — $250 and up.
Simpler programmable thermostats —
here’s an array offered by Lowe’s — start at about $70.


7. Set the temperature manually — and leave it
You can enjoy fuel savings for free simply by setting your thermostat to one temperature in the morning, another at night and otherwise leaving the thermostat alone. If you’re chilly, put on a sweater and warm socks instead of raising the heat.
Learn more in the article “10 Ways to Stay Warm and Win the Thermostat Wars.” EnergyStar.gov offers more tips to save using a manual thermostat.
Cost: $0.

8. Seal furnace ducts
Heating ducts typically waste 20 to 30 percent of the heated air they carry, losing it to leaks and poor conduction, says EnergyStar. Leaky heat ducts mean higher utility bills and a house that’s harder to keep warm.
Appliances like water heaters and furnaces can cause the buildup of dangerous gases like carbon monoxide through a process called backdrafting, according to EnergyStar. Sealing leaks can reduce this risk, but before you start the job ask a heating contractor if you need to have a combustion safety test done first.
You won’t be able to reach all of the ducts — some are hidden in walls, ceilings and floors. But you can improve performance by sealing exposed ducts in the attic, crawl space, unfinished basement and garage.
Focus on the places where ducts, vents and registers meet floors, walls and ceilings. Use mastic sealant or metal tape, which are more durable than duct tape, to seal the seams and connections.
Cost: Cheap. A 10-foot roll of 3M rubber mastic tape costs $12 or less.

9. Replace furnace filters monthly
Dirty furnace filters reduce furnace efficiency and push up heating bills. They also shorten the life of a furnace.
Check and replace the furnace filter monthly in winter or every three months while the system is in operation. Your owner’s manual will tell you where it’s located. Hold the filter up to the light: If you can’t see light through it, you need a new one.
Pleated filters work best because they trap more dirt particles.
Cost: Prices vary. Angie’s List says filters cost:
$1 each for flat fiberglass
$10 each for pleated and polyester
$25 each for high-efficiency varieties


10. Keep your furnace running smoothly
Servicing your furnace regularly helps you catch problems before expensive breakdowns, prolong the furnace’s life and keep it running more efficiently.
Newer furnaces need professional servicing every two years. Older units require annual servicing.
Check your furnace’s manual to see which specific steps are recommended. Ask friends and colleagues for names of good technicians. Find one or two you trust and stick with them.
Cost: This is not a DIY job. You’ll pay $80 to $150, says home inspector and Zillow blogger Reuben Saltzman.

11. Insulate the hot water heater
Save on fuel by wrapping older water heaters in a blanket of insulation, an easy DIY project that even a beginner can do. Your utility company has instructions. When insulating a gas or propane water heater, do not cover the burner access.
Do not insulate:
  • Pre-insulated water heaters. These are newer units with factory installed insulation of R-16 or better (check the manufacturer’s label) under the metal shell.
  • Water heaters located where the added heat is welcome.
  • Water heaters whose manual or paperwork warns against insulating.
  • Tankless (on-demand) water heaters.
Cost: $20 to $30. Or possibly free: Ask your utility company for any rebates, discounts or freebies. Some utilities offer free insulation and may even install it.

12. Lower the hot water temperature
Hot water heaters typically are set at 140 degrees. Lower the temperature on yours to 120 for fuel savings. You’ll reduce the chance of accidental burns, and the water still will be plenty hot for bathing, washing clothes and doing dishes.
Cost: $0.

13. Plug household leaks
Grab a tube of caulk, a can of spray foam gap-sealer, a pencil and notepad. Tour your home, inside and out, including the basement, to find and fill cracks and gaps in siding, windows and foundation. Note locations of problems you can’t fix right away.
Use caulk for small cracks and the foam sealer for bigger gaps. Inside the home use a candle flame or digital thermometer to find where cold air is entering. Pay attention to door frames, windows, skylights, chimneys and vents. Also check openings around appliance vents, electrical and plumbing fixtures and furnace ducts and check the top of basement walls where the foundation meets wood.
Cost: Caulk costs $2 to $3 per tube or less. Expanding polyurethane foam costs under $5 for a 12-ounce can. Dummies.com tells which product to use where.

14. Insulate hot-water pipes
Insulate the hot-water pipes in your basement or crawl space by snapping foam sleeves on them. You’ll find pre-slit, hollow-core, flexible foam pipe insulation at hardware stores. Make a note of your pipes’ diameters and lengths, and bring the measurements when you shop.
Exposed pipes waste heat by cooling the water as it runs through them. Be sure to include pipes between the hot-water tank and wall. Also insulate cold-water pipes for the first 3 feet after they enter the house.
Cost: Prices and products vary, but a 6-foot piece of half-inch foam insulation can be found for $2 to $3.

15. Set ceiling fan blades for winter
Set fan blades to move clockwise in winter, and run fans slowly. The idea is to lift cool air to the ceiling and push heated air down where you can enjoy it. Some fans have a remote control or remote switch. Otherwise, use a ladder and manually adjust the small toggle switch on the fan body. Now set the thermostat a notch lower and enjoy the warmth.
Cost: $0.

16. Use your window coverings
It’s surprising how much insulation curtains, drapes, shades and even mini blinds can provide.
Draw window coverings at night and when you’re away to conserve heat in the home. In hot weather, draw window coverings in the morning to keep the house cool, saving money on air conditioning.
Cost: $0.

Online Lending, Mortgage Loans Have Never Been Easier
Protect Your Family From CO Poisoning
Carbon monoxide is a very dangerous gas that can be present in your home as a by-product of fuel-burning appliances.

It can come from a number of sources, including faulty furnaces, kerosene heaters, wood-burning stoves or fireplaces, or gas-fueled space heaters.

As we transition into heating season, here are 4 things you need to know about CO in your home:

1) Why Is Carbon Monoxide So Dangerous?
 You can’t see, taste or smell CO, but at high levels it can be fatal.



2) What Are The Symptoms Of CO Poisoning?
 At moderate levels of exposure, you may experience severe headaches, become dizzy, faint, nauseated or confused. More severe symptoms include vomiting, loss of muscular coordination, and loss of consciousness.



3) What Should You Do If You Think You’ve Been Poisoned?
 Get fresh air immediately and visit a medical center as soon as possible.



4) How Can You Prevent CO Poisoning? 
Carbon monoxide detectors should be placed on every level of your home, with batteries checked and replaced annually to ensure proper operation.

The Dragonfly Foundation has many opportunities to volunteer; also many upcoming fundraising events that are easy to support if you know that they are available to you. Please check the calendar for an opportunity near you. These include shopping/dining/walks/runs. There is something for everyone. Great times to gather friends together to make a difference.

View the Dragonfly Events Calendar

SAT, FEB 10, 2018 // 5:30 PM -11:00 PM

Renaissance Cincinnati Downtown Hotel

36 East Fourth Street // Cincinnati, OH 45202


Join us as we honor Marty Brennaman, Reds radio broadcasting legend, and celebrate his iconic head shaving moment at Great American Ballpark in 2012. Marty has been a shining light for The Dragonfly Foundation, helping our young cancer patients and their families find strength, courage, and joy.

PURCHASE TICKETS & SPONSORSHIPS

Cost: $175
(Includes formal dinner, valet parking, open bar, casino-type gaming, and more!)

Dress: Black Tie/Formal
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