We are keeping a close eye on the "Heartbleed" bug you may have heard about. The vendor we use for Online Banking has completed a preliminary assessment and has not discovered any vulnerability. We will be sure to keep you updated should anything to the contrary be discovered. Rest assured that we are doing everything we can to help ensure that your information is safe.

It is always a good practice to use unique passwords for all of the online services you access. If your GCF Online Banking password has also been used with a different service, we do recommend that you change your Online Banking password at this time.

If you currently utilize GCF’s online banking EXPRESS TRANSFER function to make your loan payments, this service will be temporarily unavailable from April 25, 2014 through June 9, 2014. As an alternative to this temporary inconvenience, you can do one of the following:

  • Contact 1-877-589-6600 ext. 320 or 368 between the hours of 9:00 a.m. and 5:00 p.m., Monday through Friday, to manually complete the transaction.
  • Mail a check to Investors Bank, 101 Wood Avenue South, Iselin, NJ 08830.
  • Sign up for GCF’s online bill payment system and set up a monthly payment to be sent to Investors Bank.

Fast Access

GCF Bank is now part of the Investors Bank family!

Tuesday, March 19, 2013

Edition #704

Today's Highlights:

Past issues of GCFlash:

March 12, 2013 Edition #703

March 5, 2013 Edition #702

February 26, 2013 Edition #701

February 19, 2013 Edition #700

Weekly Spotlight:

Your sister's birthday IS today! Your kid needs cash at college. Your cash fell short of your share of the lunch tab. Popmoney ® to the rescue!

Our Current Rates:

For a listing of our current deposit and loan rates, click here.

Today's National Market Rates
March 19, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 1,068.46 or 7.98% since 12/31/12)
14,455.82 (+0.03%) 13,553.10 13,239.13 12,392.66
S&P 500
(Up 122.15 or 8.56% since 12/31/12)
1,548.34 (-0.24%) 1,461.19 1,409.75 1,330.74
(Up 209.59 or 6.94% since 12/31/12)
3,229.10 (-0.26%) 3,178.67 3,078.32 2,268.26
10 Year Treasury Bond Yield 1.91% 1.84% 2.38% 3.45%
British Sterling 1.5102 1.6213 1.5838 2.0109
Euro 1.2895 1.3125 1.3171 1.5770

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1st Flash

Cover Your Face!

I will admit it. I've never been the strongest privacy advocate. My rationale was that I have nothing to hide, so it doesn't really matter.

I'll gladly divulge my religious, political and social stance on any issue, as regular readers will attest. You may not always agree with me. In fact, it would be dangerous if everyone thought the same.

But as the writer, it's my job to express what I see. Privacy isn't an option.

The error of my mindset began to sink in while researching Not So Private, an article that appeared in the April 7, 2009 issue of GCFlash. You can still find it on our website.

This article was written before Facebook became a common, household word. The site was just gaining speed and on pace to overtake rival MySpace in popularity.

That was before FB became a market symbol. Before they needed to boost revenue to appease stockholders.

Facebook, like Google and countless others, is a free service. At least, to their millions of users.

Someone has to bear the cost of such technology. Mark Zuckerberg didn't become a kazillionaire by providing a free service.

Facebook, Google, and others like them earn their keep through stockholders and by selling ad space. In so doing, they become accountable to those holding the purse strings. Not those using their service. Their "customers" are truly their product.

They're not selling your personal information. But your privacy really isn't their prime concern.

We covered Facebook security enhancements this past January in Will Your Face Be Shown? We won't rehash them here.

Instead, we'll talk about what others can learn from your likes and posts.

Involved in a legal dispute? Lawyers have admitted to scouring Facebook accounts to gather information against people for criminal cases or child custody. They'll search for family photos in immigration cases to uncover sham marriages.

A recent study revealed that 70% of recruiters have rejected job applicants based on data they found online. It goes deeper than those college keg party pictures. Your Facebook Likes reveal whether you're a good fit for the cultural environment of the organization. They reveal sensitive, personal attributes like sexual orientation, personality traits, intelligence, use of addictive substances and a lot more than that. Simply based on which Like buttons you choose to click.

Certainly a lot of this can be common sense. You like Christian pages, you're probably a member of the Christian community. You like Ronald Reagan, it's pretty fair to say you're a Republican.

Others aren't so obvious, but still say a lot. A University of Cambridge study studied Facebook behavior and used the digital data to create an algorithm that measures psychological traits. They didn't rely on any one page alone, but found users who liked a multitude of pages in common would tend to exhibit similar traits.

Another duh.... you might think. But some might surprise you. They appeared to have no connection at all.

For instance, the best predictors of high intelligence were users who liked The Colbert Report, Science and Curly Fries, according to the report. Low intelligence indicators were Harley Davidson and Lady Antebellum.

Liking the TV show Desperate Housewives or the musical Wicked indicated homosexuality.

Your likes don't have to directly relate to a specific topic to reveal personality traits.

So why can this be problematic? The stores you shop at may deliver coupons electronically to their followers. But the stores you select can reveal whether you're trendy, laid back, athletic or eco friendly.

Insurance companies may offer lower rates to applicants who run marathons, and pass the higher costs to those couch potatoes that play a lot of video games. Your credit standing may be tarnished if you shop in stores that attract those with a poor credit history.

Your choices in life determine your fate. Before social media, you could more easily learn from your mistakes, fix them and move on.

But your digital life is much like energy. It never dies. It can continue to haunt you without you even knowing the source. How can you fix that and move on?

On The World Wide Web

Turn your closet into cash. Sell gently used clothing and accessories at this site.

Traveling? Live in a tourist area? Connect with a local guide or earn money becoming a guide. Connect here.

Need help walking the dog? Event planning? Assemble furniture? Find reliable help for this and more.

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2nd Flash

How To Sell on Craigslist

Spring cleaning? Those items you're tossing may be exactly what someone else is looking for.

Advertise them on Craigslist!

Preparation is key. Clean up whatever you're selling. If it's an old cell phone, delete all of your contacts and personal information. Detail a car. Polish an end table.

Search for similar postings on Craigslist. How much are they asking? What details are they including? Check eBay, too.

Buyers want to get the best deal. If you have a bottom line, include haggling room in your asking price. If you want to sell the item quickly, discount it from what others are asking for similar items.

Shoppers know what they're looking for. Create a concise headline with one irresistible adjective. Don't use all caps or exclamation points. They appear gimmicky.

Provide detailed information about your item. Use bullet points to highlight key features rather than a rambling, text paragraph. Use descriptive keywords in your post.

Be honest about the item's condition. People are looking for used goods. If there's a small scratch in one of the legs, tell them. Better to tell them up front than to waste your time, and theirs, if the defect is something they can't live with.

Keep documentation handy to support your quality rating. If you're selling a car, for instance, have service records available and a Carfax history report.

Take good photos to upload. Set it up in natural lighting. One full-length shot and a few close ups from various angles will show the potential buyer what they'll get. Make sure they're no bigger than 800 pixels wide so the viewer won't have to scroll all over to see your item.

Once you're happy with your listing, publish it in the appropriate category. Craigslist will send you a link to confirm your posting. Save the email. It details how and where to edit or delete your post after the item is sold.

The best time to target weekend shoppers is by publishing your ad between 6 and 7 pm on a Thursday.

Craigslist respects your privacy. They offer you an anonymous email address to keep spammers at bay. Responses to your ad will be forwarded to your personal address.

Don't include a phone number. Or use a disposable number like Google Voice or Texter. Most transactions can be completed via email without making your phone number available to everyone on the Internet.

Cash only, please. There are plenty of scammers on Craigslist, no different than anywhere else in society. You could get responses from folks who have a "certified check" for an amount over your asking price and ask that you refund the difference. Or pass a bad check. Taking cash only protects you from these crooks.

Once you sell an item, be sure to delete the post.

Not selling? Craigslist has a barter section. Maybe you can trade it for something else that caught your eye.

There's a free section, too, for stuff you don't want to haul all the way to Goodwill.

You'll find something for everybody on Craigslist. Be astute, do your homework first and close the deal.

Tip of the Week

Want to know how much Facebook knows about you? Go to your Account Settings and click Download a copy of your Facebook data.

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"A man who views the world at 50 the same way as he did at 20 has wasted 30 years of his life." - Muhammad Ali

Today in History

1918 - U.S. Congress establishes time zones and Daylight Saving time.

Flash Fact

If you use the term "March Madness," you're infringing on a trademark. The name is a legal trademark of the NCAA. Sportscaster Brent Musberger first used the term during a CBS broadcast in 1982 after hearing it during an Illinois High School Association state basketball tournament. A trademark infringement suit ensued, leading to a joint venture between the two groups. They are the only parties who can use the term legally.

Have a comment about something you read in GCFlash? Suggestions for future articles? Drop us an email!

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GCFlash is a weekly e-mail sent only to its listed customers and associates free of charge. GCFlash informs customers of special product offerings which may be of interest, current interest rates on both deposit and loan products, selected financial news and other financial tidbits. GCFlash is intended to supplement the more comprehensive information listed on the GCF Web site at


For a copy of our Privacy Policy, visit

GCF maintains your e-mail address in a confidential and secure database along with much of your other account information, such as mailing address and telephone number, etc. Before aggregating our e-mailing list each week, we filter out any duplicates. In most cases, this inhibits the unintended e-mailing of multiple copies of GCFlash to a single e-mail address. However, because these account records are kept by both individual and account, there is a chance members of the same household could each receive a copy of GCFlash or any other transmission at the same e- mail address - resulting in multiple copies. For example, a husband and wife that both have accounts with GCF may both receive a copy because the names are different but listed at the same e-mail address. This is similar to the manner in which each individual may share a common telephone number. To handle this situation, GCF recommends you simply delete any extra copies of GCFlash as this will ensure that ALL individuals receive any future promotional mailings, which might only be targeted or offered to specific accountholders meeting certain criteria. GCF has the capability to suppress customer e-mail addresses so they are omitted from our transmission list. If you would rather have a specific household member's e-mail address suppressed in our electronic database, simply send us a reply, as stated below, and indicate the accountholder for which you would like to have e-mail suppressed. Please keep in mind that this suppression will mean that NO future e-mails are sent, including special promotional offers. If you have any questions about this process or need additional information, please contact us at

If you would like to be removed from this electronic mailing list, click this link to send us an email to unsubscribe. Please note, removing your name from our electronic mailing list means GCF will send NO FUTURE NEWS or SPECIAL OFFERS.

GCF Bank
381 Egg Harbor Road
Sewell, NJ 08080
(856) 589-6600