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www.CUofGA.org4Donx19tLetEmotionsDriveYourInvestmentDecisionsEmotionsplayanimportantroleinsomeofthemostimportantdecisionswemakeinourlife.Butwhenitcomestoinvestingemotionscandomoredamagethangood.HerearethreewaysthatemotionsplayadetrimentalroleinourinvestmentdecisionsandwhatwecandoaboutitDonx19tFollowtheHerdWhenstockpricesstarttofallsomepeopledecidetoselltheirstockmutualfunds.Whatstartsasafewpeoplesellingtheirinvestmentscanturnintoapanicwhereeveryonedecidestosell.Itx19scalledx1cherdingx1danditisoneofthemostcommonmistakesthatpeoplemakewhenmarketsdecline.AvoidExtremeThinkingWhenmarketsfallpeopleoftenstarttothinkinextremes.Everythinginthemarketbeginstolookblackandwhite.Thefactscanhavemanymeaningsandweneedtothinkintelligentlyabouthowthesefactsaffectusbeforewemakeanyinvestmentdecisions.BeAwareofOurShort-TermBiasWhenitcomestoinvestingmostofushaveashort-termbias.Thatmeansthatrecentmarketgainsleadtoexcitementandhigherexpectations.Ontheotherhandrecentmarketlossesleadtosuspicionandcaution.Thechallengeforinvestorsisnottoforgetboththelong-termhistoryofthemarketsandtheirownlong-termgoals.StayTruetoYourGoalsandYourPlanWhenmarketsarevolatileittendstobringoutouremotionalside.Beforewereactemotionallytoshort-termmarketgyrationsweshouldaskourselvessomeimportantquestions.Whatisourlong-termgoalHaveourgoalschangedWasourplantoreachourgoalsasoundplanArethereanygoodreasonstoabandonourplanOncewehaveaskedandansweredthesequestionsourdecisionsaremorelikelytobedrivenbylogicnotemotions.SamDavisisaFinancialAdvisorwithCUofGAFinancialServiceslocatedatCreditUnionofGeorgia.IfyouhaveanyquestionsorwouldliketoprovidefeedbackregardingtheinformationpresentedinthisarticleyoumaycontactSamDavisat678-322-2241orsam.davisCUofGA.org.Representativeisnotataxadvisororlegalexpert.Forinformationregardingspecifictaxsituationspleasecontactataxprofessional.Forlegaladviceconsultanattorney.ContentdevelopedbyCUNABrokerageServicesprovidedbyCUofGAFinancialServicesRepresentativesareregisteredsecuritiesaresoldandinvestmentadvisoryservicesofferedthroughCUNABrokerageServicesInc.CBSImemberFINRASIPCaregisteredbrokerdealerandinvestmentadvisor2000HeritageWayWaverlyIowa50677toll-free866512-6109.Nondepositinvestmentandinsuranceproductsarenotfederallyinsuredinvolveinvestmentriskmaylosevalueandarenotobligationsoforguaranteedbythefinancialinstitution.CBSIisundercontractwiththefinancialinstitutionthroughthefinancialservicesprogramtomakesecuritiesavailabletomembers.FR010921-7A88HolidaySpendingHaveYouGlumSkipYourNextLoanPaymentYoumaybeeligibletoskipyournextloanpaymentattheCreditUnionAllyouhavetodoiscompletetheformbelowandmailemailfaxordelivertotheCreditUnionbyJanuary312013.QYesIx19dliketoskipmyNOVEMBERDECEMBERJANUARYCircleOneLoanPaymentCompletetheinformationbelowforeachloanpaymentyouwishtoskipLoanNumber______________________LoanNumber____________________________LoanNumber____________________________Name___________________________Address________________________________CityStateZip____________________________Emailaddress___________________________________________________ContactPhoneNumber____________________MemberSignature________________________________________________DateRequested________________________Pleasedeductthe25conveniencechargefromQCreditUnionofGeorgiaCheckingAccountQCreditUnionofGeorgiaSavingsAccountQPaymentEnclosedMadePayabletoCreditUnionofGeorgiaMailingAddressPOBox2148WoodstockGA30188EmailAddressmbr-svsCUofGA.orgFax678-486-1191A25processingfeewillbedeductedfromthememberx19saccountorcollectedattimeofformsubmission.Loansmustbecurrentatthetimethepaymentholidayformisreceivedortherequestwillnotbeprocessed.HomeEquityLoansHomeEquityLineofCreditsStudentLoansRealEstateLoansandVisaCreditCardsarenoteligibleforpaymentholidays.BysubmittingmySkip-A-PayrequestIunderstandthisoptionextendsthecurrentbalanceoftheloansbytheamountofthepaymentskippedandthatinterestwillaccrueonthebalanceoftheloan.IunderstandifmyloaniscoveredbyaGuaranteedAssetProtectionGAPPolicythatskippingmorethantwo2paymentsoverthetermoftheloanmayresultinadeficiencybalance.Certainrestrictionsmayapply.BysigningandreturningthisformyouarerequestingCreditUnionofGeorgiatoadvancetheduedateequaltoonemonthx19spaymentoneachofyoureligibleloanswhichyouhavelisted.