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Show Citizen, Free Press, Review - Wed., Jan. 15, 1997 - Page 9 Bank of American Fork to hold grand opening in Lehi For customers of the Bank of American Fork, the opening of a branch in Lehi means making services more available closer to home. For some bank officials, the move is like coming home. "We're not getting bigger, we're just getting closer to our customers," said Paul Gunther, a member of the board of directors. This bank is unique, it reflects a Lehi flavor." Indeed, the arched windows resemble wagon wheels that symbolize the Mormon pioneers, a theme that is carried over into the interior windows, which have covered wagons etched into each one. The open beam ceiling and the exterior rock gathered from New Mexico complete the western motif. "We tried to make it a nice addition to the community, something the community can be proud of," said Steve Swenson, branch manager. The new branch, located at 712 ffi . r i -- If its Lehi Branch at Main, with grand opening ceremonies scheduled for Friday and Saturday, Jan. The Bank of American Fork has opened 712 E. up-do- s. Fork. President Gunther continued to stress the importance of hometown, friendly service, combined technolowith the most gy Despite the addition of branches in Alpine, Highland, Orem and now Lehi, the personal service remains a vital part of the bank. According to bank statistics, tellers have been with the bank an average of more dents. In 1962, Orville Gunther was named president of the bank, and three years later, the name was changed to the Bank of American than nails. Kim said they have a state of the art tanning bed which is very efficient and does not easily burn the skin. Other services they will be offering include aroma therapy and makeup classes which will be free of charge. Professional products are also available for purchase. Once their clientele is better established, they will be opened 9 a.m. to 9 p.m. week days and from 13 years. "When you have a local bank, you get a different level of service," said Swenson. "We're here to help the community, we're here to lend to the community." The bank has also received the highest rating for safety and stability from each of the four independent bank rating services. "There is no bank in the country that is a safer bank than the Bank of American Fork," said Paul Gunther. Glen Anderson, a former president of the bank, explained why a locally owned, independent bank is important to small communities. i?Hs, Tami Anderson, of Orem and Barbara Ritchie of American Fork, were the big winners in a drawing held by Insight Communications just before Christmas. Anderson, took heme the grand prize: A trip for four to Disneyland. Ritchie, with her husband and son, had to bring a pickup truck to 9 a.m. to 6 p.m. on Saturdays. Eclips is located behind the Bank of American Fork in Alpine. The phone number is 756-475- WEIGHT MANAGEMENT American Fork Hospital is offering a weight 6-- 7 about yourself! Cost is $65, with a possible $24 Establish a written investment policy. Taking this step will enable you to clearly identify your investment objectives. a) NeedsGoals: You may have several financial needsgoals each of which should be identified, i.e., college education, retirement, etc. b) Time Horizon: A young couple can afford to incur more market risk (less liquid and more volatile) because the purchasing power risk facing them in 30 years is a more consequential risk. Whereas a mature couple 5 years from retirement could be devastated by market risk and therefore would require more liquidity and less volatility in their portfolio. c) Risk Tolerance: Establish reasonable and acceptable riskreturn expectations. Here are 3 asset classes with corresponding measured risk factors. Asset Class: Average Yield: Volatility: TJc Cash Equivalents low Bonds 0 moderate Stocks 147c hiiih 'Source: 20 year hisiory take home their new surround sound home theater system. The Pioneer system included a VCR along with the receiver and speaker equipment. KISN97, Mountain 105.7 and Murdock Travel sponsored of the prize packages. The drawing was held as part of a subscription drive for the, Family Value Deal". Which offered the Disney Channel at a reduced rate for those subscribing to classic cable television. Although, no purchase was necessary to win. In a separate drive, through the month of December, Insight donated 50 of the installation rate from new subscribers to Sub for Santa. Through this program they were able to raise a substantial amount of money to help needy families during the Christmas d) Asset Allocation: Most, if not all people find that their risk tolerance should include a "combination" of asset classes. Using asset allocation models can reduce market volatility and potentially enhance investment yields. Extensive studies indicate that Asset Allocation determined 92 of investment performance. Security selection (picking the right stock) determined 47c while market timing only determined 2 with all other factors determining 27c of portfolio performance. Source: "Determinants of Portfolio Performance", Financial Analysts 1986 Journal, July-Augu- st e) Seek Professional Assistance: In the 993 Quantitative Analysis of Investor Behavior by DALBAR Financial Services, Inc., shows that "do 1 it yourselfers" as a whole do not fare as well as people working with professional investment consultants. An experienced and reputable investment consultant can help you: Identify and define an Investment Policy that is appropriate for you. Identify risk tolerance and corresponding asset allocation mix to meet your goals and objectives. Maintain calm discipline through market cycles. Jeffrey C. Ingersoll, RFC is a Financial and Estate Planning graduate of Young University and member of the International Association of Registered Financial Consultants. Mr. Ingersoll is president of Total Financial Planning, Inc. and is also individually registered with and offers investment securities through Royal Alliance Associates, Inc.SunAmcrica Company Member NASD SIPC and has been serving clients' financial interests since 1979. Brigham What Peep Service of Intcrmountain Health Care love the convenience. pay all my monthly bills Bill Payer. Thanks for such a using great service." Paul Timm I Orem, Utah i learn how you can help, cal the National Committee to Prevent Child Abuse today. To fa Provo, Utah Be a Add $ 1. 00 for darker colors My compliments WONDER-TOIIE- S" $600 Interior Latex Satin Enamel Wednesday Retail Price mornings. $23.56gal. Deliver to every home in your area. Bundles are dropped off at your door. No inserts to stuff. No collections. A great family business for children or adults. Must be at least 10 years old. Earn money while you exercise. Morning delivery avoids interference with afternoon activities. Earn extra by offering the newspaper to Annual bonus, prizes and incentives. A great way to teach dependability and good work habits. Please apply in person at our American Fork office, 59 West Main. 3549 Add $1. 00 for darker colors WONDER-TON- Interior Acrylic Latex Semi-Glo- $22.55gal. MAwirtawjviuvif E. Main, American Fork 756-528- 2 II Paul Whitmer Highland. Utah ss On-Lin- 223-818- Add S1.00 for darker colors J 'If to UCCU for giving us e 8 Today... it's FREE! 8 800 -- 453-818- Visit our new location in 53 Personal Clint Andersen Pleasant Grove, Utah Personal Branch and Bill Payer. I really appreciate being able to handle so many financial transactions from my personal computer. I can download histories on all my accounts, print them out, and reconcile everything a before the written statement good week arrives! I even have a DOS batch file that sorts my transactions by check number, which works great in combination witn Quicken. now pay eight or nine bills every month using Bill payer, which saves me a LOT of time and .postage." Get Retail Price 3849 of Branch." I ES T?IA CiiE9up Kent Dayton Pleasant Grove, Utah Sherre Shaw Spanish Fork, Utah $l9.89gal. per hour delivering this newspaper ' statement." because " use Personal Branch because I don't have to leave home, and Bill Payer saves me the worry of Retail Price 3449 JVewtahews checking account without having to wait for my month- having to buy stamps." and earn to ...It's convenient and easy to use. I can reconcile my "l love it. I've moved all of my accounts to UCCU Gary Rhoades Interior Latex Eggshell Enamel (111 computer home banking ly because of Personal Branch." WOfiDER-TOfJE- S" $400 IIA "...It's made banking easier and better than before. I have fallen back in love with UCCU Apply now for PERSONA Are Saying About... ... newspaper carrier: MicroPal 766-100- t ft - Ask yourself, "Am I willing to accept X amount of risk (volatility) for Y return on investment?" 756-757- American Fork Hospital A This is the second installment of a two part article on investment risk. In Part 1, we learned that every investment has one or more elements of investment risk. Effective risk management will serve to reduce investor anxiety through the ebb and flow of market cycles. Proven risk management tools can also enhance the potential for better investment performance. The following are tried and true methods for reducing and managing investment risk. lifestyle long-ter- think about food and exercise, and start feeling good 1HC here." "It's a locally owned bank, a community bank," echoed Swenson. "We feel like we have something special." Bank hours at the Lehi branch will be from 9 a.m. until 5 p.m. Monday through Friday, with drive-u- p service available from 8:30 a.m. until 6 p.m. Monday through Friday and from 8:30 a.m. until 1 p.m. on Saturday. For more information on the services available, call man- change rather than dieting. Discover new ways to mi fijffl 4 p.m., beginning Tues., Jan. 21. The class emphasizes refund. Call Adele at "Because of our independent charter and local ownership, the money that is generated here stays here," he said. This money creates new jobs, helps to build new buildings and helps our friends and neighbors acquire homes, farms and equipment and consumer goods. In addition, each year we pay out many millions more in interest to our customers. This money keeps circulating in the local economy and every time it changes hands, it provides benefits to the people who live Insight fundraiser winners named agement class, Tuesdays. 756-393- 17-1- 8. New salon has relaxed atmosphere Losee-Academ- Hi 2 U Megan Smith, left, and Kim Nielson have recently opened the new Eclips salon in Alpine. Eclips,' Alpine's newest hair salon, is a great place to come if you like a relaxed atmosphere, said owner Kim Nielson. She and Megan Smith recently opened the doors of the salon to offer various services from hair styling to tanning. Kim said she has been talking to four other stylists who may be joining her. Kim, an American Fork resident and mother of two, said she has been working in salons all her life and most recently was the owner of Kim's Hairport in American Fork. She has been doing nails for 13 years. She specializes in weaves. Megan is a recent graduate of y of Hair Bon Artistry. She specializes in color, cutting, style and special occasion She also does styles called 6 West Main, Suite B, American Fork 3Q locally owned, it was able to continue to respond to the needs of resi- - At by Jeffrey C. Ingersoll, RFC Total Financial Planning, Inc. Bank of American Fork Building 84-ye- , a. Investment Risk: Part 2 E. Main in Lehi, will celebrate its grand opening on Friday, Jan. 17 from 9 a.m. until 5 p.m. and on Saturday, Jan. 18 from 9 a.m. until 1 p.m. Drawings for prizes, which were purchased from Lehi merchants, will be held at noon on Saturday; winners need not be present to win. Weather permitting, the trademark hot air balloon will be on display at the bank; all customers who open an account will receive a hat or a old bank started in The 1913 as the People's State Bank of American Fork, with resources of $25,000. In 1925, the original facility was moved across the street to its present location; because it was Mil - - Financial Consultant UNIVERSAL American Fork at 1 96 North West State Road. Campus CreditUnion Just south of the Smith's Grocery stort. www.uccu.com . j |
