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, October 8, 2013

Edition #733

Today's Highlights:

Past issues of GCFlash:

October 1, 2013 Edition #732

September 24, 2013 Edition #731

September 17, 2013 Edition #730

September 10, 2013 Edition #729

Weekly Spotlight:

Your needs have changed and so has your vision. It has nothing to do with eyeglasses and everything to do with the way you embrace life. We have a web page dedicated to those who have gained that wisdom. Find it here.

Our Current Rates:

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

Today's National Market Rates
October 1, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 1,389.17 or 10.38% since 12/31/12)
14776.53 (-1.07%) 14,673.46 13,583.65 9,258.10
S&P 500
(Up 229.26 or 16.07% since 12/31/12)
1,655.45 (-1.23%) 1,568.61 1,455.88 984.94
(Up 675.32 or 22.37% since 12/31/12)
3,694.83 (-2.00%) 3,237.86 3,112.35 1,740.33
10 Year Treasury Bond Yield 2.66% 1.75% 1.75% 3.71%
British Sterling 1.6090 1.5306 1.6133 1.7483
Euro 1.3578 1.3002 1.3035 1.3571

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1st Flash

Aging In Place

Not so very long ago, senior citizens were the subject of relentless Internet humor. Between references to tech terminology, device types or acronyms; their lack of exposure to the wired world was the source of countless jokes.

In their lives, an apple was something to bite. Drives were what you did on a lazy Sunday afternoon. Memory is what they wish they still had.

As the computer revolution changed life as they knew it, they remained steadfast. They made it this far in life without a computer, there's no reason to start now.

Except now there are plenty of reasons to get online. And they all result in a higher quality of life than would be otherwise possible.

Computers today allow seniors to age in place. Technology has evolved that affords them independence with peace of mind.

Mobility limitations caused some to withdraw from social situations. The isolation often led to depression.

Family and friends are as close as your keyboard with the Internet. Social networking creates a circle of peers without leaving your home.

Devices monitor health indicators that once required frequent trips to the doctor. Smartphones and bracelets are embedded with equipment that monitors blood pressure, heart rate, glucose levels, sleep patterns and more. They'll send regular reports to your doctor or alert family members of abnormalities.

Failure to take medications properly accounts for up to 40 percent of nursing home admissions. Now there are several devices available that eliminate the risk. MD.2 is a monitored dispenser that a caregiver can load. One touch of a button dispenses all of the pills on time.

Rescue Alert monitors a pillbox electronically. If the lid isn't opened when it should be, an alert is sounded. Or you might prefer a service that sends daily medication reminders by phone or email.

New wheelchairs navigate tight spaces and avoid obstacles. Some even climb stairs.

Software can control their environment remotely. No need to get out of a chair to turn on a light or lower the thermostat.

Changes in daily habit can catch problems in their early stages. Sensors on refrigerator doors will alert a family member if there's too little activity. No more worries about whether a loved one has forgotten a meal.

Or forgets to turn off a stove burner. The Safe-T-element Cooking System limits how hot stovetop burners can get through cover plates installed over the existing burners. It will automatically shut off the stove if they reach a certain temperature.

Monitors placed under a mattress can measure pulse and respiratory patterns that detect heart failure before someone realizes they're becoming short of breath. Changes in sleep pattern or a drop in daytime activity often occur 10 days to two weeks before a fall necessitating a trip to the hospital.

Limited mobility can make routine household chores difficult. Technology again comes to the rescue. There are automated robots that can vacuum, sweep or wash the floor. Even clean the rain gutters!

The sheer volume of baby boomers entering their golden years will make available space in assisted living facilities scarce. And it might not be such a bad thing. We may have reached the age where we won't have to leave our home.

On The World Wide Web

Find news and reviews on consumer electronics, highlighting senior friendly features, at this site.

Living alone? This free service sends you an email every morning. If you don't respond within six hours, they alert friends and family that they may need to check in on you.

As your circumstances change, learn how you can continue to live in the home of your choice safely and independantly at this site

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2nd Flash

Choosing a Senior Living Community

While it would be ideal if our loved ones could remain in the family home as they age, in reality it isn't always possible. This article, reprinted from the April 3, 2012 issue of GCFlash, offers excellent advice on choosing an assisted living facility should it become necessary.

One of the most difficult tasks a family can undertake is assuring their loved one has proper care as they age.

Humans are independent creatures by nature. We're taught how to care for ourselves at a young age. But you won't find any lessons on aging.

There are different levels of elder care. Many people don't need the intensity of a nursing home. They can fend for themselves, but have difficulty with certain functions they once took for granted. Like getting back up after a fall, or turning the stove off after cooking a meal.

For these people, assisted living makes a good alternative. There are good facilities in most communities. But how do you know which is the right one for your loved one?

Tour several assisted living facilities. Observe the other residents. Do they have anything in common with your loved one? Do they have the same social or professional background? Do they speak the same language? Do they have similar impairments or limitations? Do they look content?

Ask to see a schedule of activities. Are they the type your loved one would participate in? Try to attend one to see what's going on first hand.

Is the staff experienced in the type of care your loved one requires? Are members of a medical staff on-site? Do they have the provisions to address needs that will change in the future?

Visit the facility around mealtime. If possible, eat a meal while you're there to see if the food is good and fresh. Evaluate the dining room experience. Are special meals or diets available? What about special requests?

Household services offered can differ from one facility to the next. If your loved one can't cook, clean, or do laundry any longer, make sure these services are offered by the community you choose. How often are services provided? How responsive is the staff to accidents that may occur?

Speak to as many staff members as possible during your visit. Get a sense of how they feel about the facility and whether they enjoy working there. Are they warm, friendly and respectful? Do they appear to be caring individuals? Learn about the hiring process, particularly whether or not a criminal background check is conducted. The quality of the staff is much more important than the quantity.

Will the facility hold a bed if your loved one is hospitalized or needs temporary rehabilitation? How close is the nearest hospital?

Consider the size of the living space. While you may want to provide the largest space available, it may not be the best option. Typically, a person will become more reclusive when they have more space. Socialization is important to guard against depression.

It will be a difficult move for your loved one when they have to leave the family home. They're leaving behind a lifetime of memories; raising a family, home repairs gone awry, holiday celebrations. All those little events that turn a house into a home.

Have patience. Expect fits of anger, bouts of depression and hysterical outbursts. It will take some time for them to become comfortable with their new lifestyle. In the meantime, you may find yourself labeled the villain no matter how necessary it was to make the move.

Visit frequently. Take them shopping for a day, or treat them to a restaurant meal. If you promise a visit, show up. Your continued love and support will help make the adjustment easier.

Tip of the Week

October 15th remains the deadline to file 2012 federal income taxes for those who filed for an extension. This is not affected by the government shutdown.

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"How old would you be if you didn't know how old you are?" - Satchel Paige

Today in History

1897 - Journalist Charles Henry Dow, founder of the Wall Street Journal, begins charting trends of stocks and bonds.

Flash Fact

It took 25 years for the Dow Jones to reach the same level as it was before the crash in 1929.

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