Fall Leaves Fall by Emily Bronte “ Ushers in a drearier day.

fall 2013

"

Contact Information

Gadsden 256.543.7040

Albertville 256.891.1611

Fall Leaves Fall

by Emily Bronte

"Fall, leaves, fall; die, flowers, away; Lengthen night and shorten day;

Every leaf speaks bliss to me

Fluttering from the autumn tree.

I shall smile when wreaths of snow Blossom where the rose should grow; I shall sing when night's decay Ushers in a drearier day.

Anniston 256.238.1161

Centre 256.927.7321

Fort Payne 256.997.9002

Oxford 256.831.2112

Three Big Questions

about Retirement

Should You Plan to Work in Retirement? Retirement isn't what it used to be. Today most people say they plan to work in retirement because they'll need to supplement savings or because they want to stay connected. The key is being able to work on your own terms, with less stress, and flexible hours.



HOLIDAY CLOSINGS

Monday, Nov. 11

VETERANS DAY

Thursday, Nov. 28

THANKSGIVING DAY

Friday, Nov. 29

THANKSGIVING

Tuesday Dec. 24

CHRISTMAS EVE

Wednesday, Dec. 25

CHRISTMAS DAY

Classic Cooking

How Do You Navigate the Medicare Maze? AARP found that 62% of boomers have not fully accounted for health care expenses in their planning. To keep yourself in the know, stay up on the health care reform bill changes. Each year choose your policy wisely.

How Will You Live When the Paychecks Stop? Working longer, saving more today and being realistic about spending assumptions will all help make for a workable plan. Take a look at your self-directed and self-funded tax advantage savings accounts, including IRAs and 401(k)s. How can you optimally fund these accounts now in order to draw them down at a sustainable rate during retirement?

Who can help

You have many choices when searching for help in

m e p l a n ? building and managing a retirement plan. In particular, CFS Registered Representative, J.D. Holt, here at

Call 256.439.3632 or email jholt@

today to schedule an appointment.

Alabama Teachers Credit Union will work closely with you to clarify your retirement goals, develop and implement a plan, and provide ongoing advice in pursuit of those goals.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. For specific tax advice please consult a qualified tax professional.

Ingredients: 2 packs tapioca pudding (not instant)

Orange Tapioca Salad

3 cups boiling water

1 pack orange Jell-O

8 oz Cool Whip

1 cup mandarin oranges ? drained

Directions: Mix pudding and Jell-O in saucepan. In separate pan,

boil water. Mix water with Jell-O and pudding. Cook 3 minutes. Let

cool. Then add oranges and Cool Whip. Mini marshmallows can also be

added.

Source: Mrs. Darlene Kohl

PO Box 1400 Gadsden, Alabama 35902

Southeastern

Autumn Events

Sept.27 -

Oct.27

Annual Pumpkin Festival Stone Mountain Park (on Scheduled Days) - Stone Mountain, Georgia

This favorite fall festival takes place during scheduled fall weekends, offering seasonal attractions, entertainment, activities and fall decorations that are fun for all ages.

Oct.31 -

Nov.3

Nov.1 -

Nov.3

Stone Mountain Park Indian Festival & Pow Wow

This Native American gathering in Georgia, explores Native American culture through dance and drum competitions, craft demonstrations, cooking, music, storytelling and more.

Alabama Pecan Festival Mobile, Alabama

This annual community festival features family fun with entertainment, contests, food and crafts vendors, carnival activities and yummy pecan pies.

Reminders Submit your favorite recipe for your chance to receive a $10 deposit and be featured in the next issue of Classic Quarterly!

Visit to download our Skip-a-Payment form and for information on other winter promotions.

Master Account Agreement & Disclosures available upon request.

If your church or organization is having an event that will benefit the community this winter, let us know and it could be listed in the next issue.

Mail feedback and recipes to: ATCU Attn: Marketing Dept. PO Box 1400 Gadsden, AL 35902

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