SAVE THE DATE

You're Invited: 2010 Mid-Year Outlook Educational Seminar Tacking into the Headwinds. Tacking into the headwinds is necessary to advance against the wind when sailing. As with sailing, when investing, frequent adjustments may be necessary to stay on course. Please join Paul M. Goyette, CFP®, CEP, CFS of Northeast Planning Associates, Inc. for an informative seminar to understand how the markets will likely perform and what strategies we may use to help position your portfolio to potentially profit and protect! DATE: Tuesday, September 21, 2010     TIME: 12:00 PM PLACE: Wilmington, Room 3291 Financial Planner offers advisory services through Northeast Planning Associates, Inc. (NPA), a registered investment adviser. Securities and advisory services offered through LPL Financial and its affiliates, member FINRA/SIPC. Not NCUA Insured, No Credit Union Guarantee, May Lose Value. The Credit Union, NPA and LPL Financial are not affiliated. Alternative strategies will be discussed. Investing in alternative investments may not be suitable for all investors and involve special risks such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, potentially illiquidity. There is no assurance that the investment objective will be attained. Tracking #649302

 Don't forget: As of August 15th, we DO NOT pay overdrafts on your ATM and everyday debit transactions UNLESS you "OPT-IN". Here is the "OPT-IN" Form. Read more about overdrafts and overdraft fees.

Your financial planning, or lack of financial planning, impacts you, your family, and generations to follow. Read more about it in "Here for You and Your Loved Ones" No matter what life hands you, our friends at NPA can help you to make adjustments to your financial plan and keep you on course. For more information, read the latest release from Northeast Planning Associates, Inc. (NPA)!

Touchstone FCU has partnered with Paul M. Goyette, CERTIFIED FINANCIAL PLANNER^TM practitioner, an expert financial advisor with Northeast Planning Associates, Inc. (NPA). With over 50 years of financial planning experience, NPA can help you to assess your current financial situation and create a plan for the future. For more information or to schedule a free consultation with Paul or George Slyman, call (800) 553-3220 or (978) 657-2223. Learn more about NPA by visiting their Web site.

Please note: Investments are NOT federally insured.
Financial Planner offers advisory services through Northeast Planning Associates, Inc., a registered investment adviser.  Securities offered through Linsco/Private Ledger (LPL), member NASD/SIPC.  Products and services provided: 1) are NOT federally insured; 2) are NOT obligations of the credit union; 3) are NOT guaranteed by the credit union; 4) may involve investment risks including possible loss of principal.  Touchstone Federal Credit Union, Northeast Planning Associates, Inc. and LPL are not affiliated.  Branch 402 Amherst Street, Unit 101, Nashua, NH 03063 (603) 689-7162.

Buying a New Home? Seeking to Refinance?
Falling real estate prices and decreases in home loan rates offer an opportunity for new buyers or those of you who are seeking to refinance at a lower rate. Touchstone credit union members have a number of mortgage programs and services from which to choose, including the following:

• Long-term fixed rate mortgages at historically low rates.
• Periodic seminars for First Home Buyers. It is never too early to be pre-approved.
• 100% financing available for the first time buyer including many occupational specific programs.
• Several recently released reverse mortgage programs addressing the needs of homeowners 62 years or older.

Credit Unions, a Safe Harbor for Savings

Credit unions offer a safe harbor for savings in times of economic turmoil. They are member-owned, not-for-profit cooperatives, existing to serve their members, not to profit off of them. Here are some of the ways credit unions like Touchstone Federal Credit Union offer consumer safety and savings.

Credit unions are federally insured, by a fund, the National Credit Union Share Insurance Fund (NCUSIF). Similar to the FDIC, it is backed by the full faith and credit of the U.S. government. The NCUSIF insures a person’s savings up to at least $250,000 and insures IRAs separately up to $250,000. Other types of accounts may be eligible for additional insurance.

In 2007, consumers saved $10.9 billion by using credit unions rather than banks. Credit unions typically offer higher consumer savings due to typically lower fees, higher savings rates, and lower loan rates. Credit unions are well capitalized and have gone into the current economic downturn with strong balance sheets and are expected to be in very strong shape when the downturn ends.