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September, 2011

BEDFORD 630 Lincoln Ave. (812)279-6644 WESTSIDE Drive-Up / ATM 3311 Michael Ave. OOLITIC Night drop / ATM Corner of Hoosier & Main MITCHELL Hwy 37 South (812)849-6006

the choice

PAOLI Hwy 37 North (812)723-4700 VALLEY 8487 West College French Lick (812)936-7800 JASPER 3010 Newton St. (812)481-2282 SOUTHGATECENTER ATM SPENCER COUNTY 419 N. Main St. Chrisney (812)362-7705

M.A.D. Days Ahead HHCU Gearing up to show appreciation to our membership

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ach year the staff at Hoosier Hills Credit Union rolls out the tables, tents and chairs, warms up the grill and popcorn machine, ices down the drinks and sets up the prize wheel in anticipation of thousands of visitors during Member Appreciation Days. This year is no different, and HHCU expects record numbers of attendees as branch locations have grown, and the giveaways and special drawing prizes are as great as ever.

We do appreciate our membership very much,” said George McNichols, President and CEO of HHCU. “These events are just one way of saying thanks to our members for their business and their loyalty.”

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hile the Prize Wheel will make its regular appearance, the largest draw will probably come from the chance to win a new Apple iPad2. A winner from each service center will be drawn at the close of the MAD events, and

A young Jasper member enjoys a free hot dog and drink while his sister watches at the MAD event in 2010.

This year members can earn the chance to win one of six iPad2 tablets which will be drawn for and awarded after the final Member Appreciation Days. in order to be entered into the drawings a member must either sign up for E-Statements, or validate their email addresses if they already take E-Statements. Members will also be entered into the drawing if they land on the entry spot on the Prize Wheel. Odds of winning will be based on the number of valid entries.

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o please, stop by and enjoy free food, drinks and prizes on us!

2011 M.A.D Schedule 10 a.m. - 4 p.m. at all locations.

1. M.A.D. Celebrations

Westside Drive-Up Branch, Bedford

September 1

2. Strassenfest

Bedford Main Branch

September 2

3. Featured Member Business

Paoli

September 9

4. HHCU Info

Mitchell

September 16

Jasper

September 23

Valley

September 30

Spencer County

October 21


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Strassenfest in Jasper Dubois County celebrates German-American Heritage

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ach year in Southern Indiana the city of Jasper and surrounding areas begin to stir in anticipation of the annual celebration of that region’s heritage. The normally tidy streets are even more fastidious and the black, red and gold of the German flag become as ubiquitous as the Stars and Stripes.

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It’s the biggest event in Dubois County every year,” said Chad Blessinger, Dubois County Treasurer and life-long Jasper resident. panning a week in late July the event is actually a series of events including everything from a major parade to food booths, to a legitimate German Beirgarten, (not beer garden) to a box parade consisting of children marching in front of their own cardboard parade floats.

It’s good for our community for a lot of reasons,” Blessinger explained. “It helps with volunteerism, and gets people involved in the community, and it brings a lot of people for tourism and the events.”

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lessinger said some of the events, including the BBQ contests and the Beirgarten helped to generate revenue which then went back to the committee which was responsible for organizing the event, recruiting the entertainment and

Adults and kids alike scramble for candy and other items given out along the parade route by various participants. planning for next year.

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n addition to celebrating the rich German heritage in the region, the week also pays note to Jasper’s sister city, Pfaffenweiler, Germany.

Several times their Bürgermeister, who is their mayor, they have come over here to visit and our mayor goes over there and visits periodically,” Blessinger said.

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verall he said Strassenfest provided a lot of opportunity for people to experience what they like, whatever they might be interested in.

And it is a chance for people to have some good German food,” he added, nothing that his personal favorites were the strudel and the bratwurst.

HHCU Staff pose for a shot on the credit union float entered into the Strassenfest Parade.


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Growby’s RTO Home Furnishings Bedford, Mitchell and soon Salem

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the choice

rian Grow has over 25 years of experience helping people fill their needs and wants in Lawrence County. A Mitchell native born and bred he started with American Rental and ended up managing PDQ Rentals before finally venturing out on his own.

There are some perks,” he admitted of owning his own business, “but at the Pictured here are, left to right in the back row Sean Duke, Dave Roberts, same time you definitely John Hopping, Robert Lee, front row left to right Tony Ellis, Misty Grow, have more dedication toRhoda Asbury, Brian Grow, Kevin Tanksley. ward it and time put in it.” that’s either week-to-week or month-to-month but there is no long-term attachment. You can e said the main difference you notice in rent it one week and return it the next if you moving up through the ranks of a particular want.” business is at the top comes the realization that

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everything you do has an effect on the business, including the people who work there, the people who shop there and of course the all-important bottom line.

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It makes you more focused, for sure,” Grow said.

rowby’s RTO provides a service that Grow said is called by many different names, but essentially offers people a method to begin using products and merchandise they might not otherwise be able to purchase. He used the example of a new couple moving into a rental or a new home which doesn’t have a particular appliance. In many cases money might be too tight to spend the thousands of dollars needed to get the refrigerator or washer and dryer set.

It’s not financing,” Grow explained. “There is no obligation - you do sign a rental agreement

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hough he added that’s not typically how the relationship works with his average customer.

Most of our customers are long-term customers who pay things out and then get something else,” Grow said. “It’s a rotation; they get their needs or wants and when they get that satisfied then they get something else.”

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ost of the items customers are looking for usually include furniture, appliances or some form of electronics, usually a television. However they also offer game systems, stereos, computers and laptops, tablet computers, musical instruments and even picks and guitar strings.

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hile Grow has worked hard to know the needs of his customers he said it’s all been worth the effort.

You see them every Friday or Saturday,” he said. “It’s not like they come in and need to make a payment and leave. And that’s where we are successful; the camaraderie between the employees and the customers. We are there and we care and they 1602 Wilkins Way see that and it makes them Mitchell, IN. 47446 feel good so they feel good (812) 849-0353 about doing business with us.”

Growby’s RTO Bedford Store Mitchell Store 3309 W. 16th St. Bedford, IN. 47421 (812) 279-6744 (Next to Big Lots)

www.growbys.com


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Board of Directors Alan Cummings Max Wright Gary Faubion Leo Meadows William Cassidy Jennie Edwards William Miller

Chair Vice Chair Secretary Treasurer Director Director Director

Supervisory Committee Beth Terrell Don Brandt April Glenn

Chair Secretary Member

Information On Mortgage Exemptions

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ith recent changes and alterations to the tax code and regarding personal property many credit union members have inquired as to how they do or do not qualify for a Mortgage Exemption on their personal property taxes. ccording to officials at the Lawrence County Courthouse any person who has a mortgage on their primary residence qualifies for the exemption, which amounts to $3,000. In order to qualify the person filing must live in the home and it must be their primary residence. esidents are also permitted to file for the exemption if they have a Home Equity Line of Credit with their financial institution, as long as the amount borrowed or the line of credit extended exceeds the exemption amount of $3,000. Therefore any home owner which has a HELOC on their residence but does not have a first mortgage still qualifies for the exemption as long as their HELOC is for at least $3,000.

BACK 2.90% BY NEW/USED AUTO LOAN POPFOR A LIMITED ULAR TIME AT DEM AND The Choice is created by HHCU Marketing Director Jason Mullis who invites comments, questions, suggestions and corrections at (812) 279-6644 x 182 or by email at jason.mullis@hoosierhills.com


September 2011 -The Choice