Category Archives: Bee Smart

SCC Annual Job Fair is March 15


Wednesday, March 15, 2017
SCC Annual Job Fair
8:30 a.m. – Noon
Shawnee Community College, 8364 Shawnee College Rd, Ullin, Il.

The job fair will take place in the Edward M. Smith Center, located on the main campus. The event is open to the public. Dress for success and bring your resume to give to potential employers.

The SCC Career Services Center provides free career planning and job search assistance. For information, contact Leslie Cornelious-Weldon at 618-634-3337 or

Rebecca Loudean Scholarship – application deadline is April 1, 2017

The Rebecca Loudean Scholarship is to be awarded by the Metropolis Library Board of Trustees each year to buy books for a deserving student from Metropolis. This is done to honor one of the longest serving board members of the Metropolis Library Board of Trustees, Rebecca Loudean Wells. The scholarship was established by anonymous donor.

To be eligible one needs to be a Metropolis High School graduate who is enrolled in an institution of higher learning and one who expressed interest in Library Science as a major or a student who has actively volunteered or worked for the Metropolis Public Library in any capacity during their high school years. The fund will provide up to two $500 awards for books and education supplies.

Application Deadline: April 1st 2017
Awarded: May 6, 2017

Applications are available at the library located at 317 Metropolis Street, Metropolis. and is open Monday-Friday from 10 a.m. – 6 p.m. For Information call 618-824-4312, email, or visit website,

CNB Essay Scholarship Opportunity for 2017 Seniors

Community Bankers Association of Illinois (CBAI) Foundation for Community Banking will be awarding 16 Illinois high school seniors up to $4000 each in scholarship funds.

City National Bank of Metropolis is offering an additional $250 scholarship to one high school senior in Massac County.

Competition is open to Illinois high school seniors. Students are asked to write one paragraph on each of three topics concerning the impact /importance of community banking on themselves, someone they know and their communities.

Visit the CBAI website to review the essay requirements. Seniors may also visit with a  guidance counselor at Massac County High School or Joppa High School for more information.

Submit essay to:
City National Bank
Attention: Maggie Rzechula
423 Ferry Street, Metropolis, IL 62960

Deadline is 5 p.m. on January 16th, 2017. Scholarships will be awarded on May 4th, 2017.


Main Bank
423 Ferry St., Metropolis, 618-524-2161

Branch Bank
2017 E. 5th St., Metropolis, 618-524-2162

Five Last Minute Tax Tips for 2015 from Randall Rushing

BEE Smart TipRandy_Rushing

Are you one of the millions of Americans who hasn’t filed (or even started) your taxes yet? With the April 15 tax filing deadline less than a week away, here is some last minute tax advice for you.

1. Stop Procrastinating. Resist the temptation to put off your taxes until the very last minute. It takes time to prepare accurate returns and additional information may be needed from you to complete your tax return.

2. Include All Income. If you had a side job in addition to a regular job, you might have received a Form 1099-MISC. Make sure you include that income when you file your tax return because you may owe additional taxes on it. If you forget to include it you may be liable for penalties and interest on the unreported income.

3. File on Time or Request an Extension. This year’s tax deadline is April 15. If the clock runs out, you can get an automatic six-month extension, bringing the filing date to October 15, 2015. You should keep in mind, however, that filing the extension itself does not give you more time to pay any taxes due. You will still owe interest on any amount not paid by the April deadline, plus a late-payment penalty if you have not paid at least 90 percent of your total tax by that date. Continue reading

BEE Smart: When Potholes Become Costly

Winter brings a number of driving hazards, but one  tends to rear its ugly head after the snow is melted and signs of spring return – the dreaded pothole. A close encounter with a crater can lead to wrecked tires, wheels, and suspension components.

A State Farm study shows that vehicle repairs from damage caused by a pothole can cost drivers, on average, anywhere from $300 to $700.

Potholes, chuckholes, chasms, or whatever you call them in your region can occur in any climate. But they’re especially prominent this time of year in areas known for ice, snow, and below-freezing temperatures. The freezing and thawing cycles allow moisture to seep into the road surface, which causes the road to crumble.

Protecting Yourself

Not much can be done to prevent the deterioration of driving surfaces, but there are five things you can do to protect yourself and your vehicle:

  1. Try to take roads you know well. Your familiarity will help you avoid potholes.
  2. When driving at night, travel on well-lit roads so you can see the surface.
  3. Slow down. Give yourself a chance to see the pothole and avoid it before you’re in it.
  4. If you hit a pothole, carefully inspect your tires and wheels for possible damage. Note how your car handles afterwards. If it “pulls” one way or the other or the steering feels wobbly, you may want to have your car checked by a professional.
  5. If you can’t avoid a pothole, do your braking before impact. There’s less damage when a tire is rolling than skidding over a hole during braking.

Potholes can create even larger issues for motorcyclists. The National Highway Transportation Safety Administration recommends riders go around such hazards, and to do so safely, you must be able to spot a pothole from a distance. Slow down before reaching the obstacle, and make sure you have enough room before changing direction.

Information from State Farm website


616 East 5th Street, Metropolis, Illinois
Website and Facebook

Bee Smart Financial Tip: Identity Theft

Here is your monthly Bee Smart Financial Tip from Joel and Caroline at Metro Financial Group.

ID Theft – How Does It Happen?

In today’s technologically advanced society, identity theft is easier to commit than you might think. The Identity Theft and Assumption Deterrence Act of 1998 defines identity theft as the following: when someone “knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law.”

The Internet and automated teller machines (ATMs), now widely used for a variety of financial transactions such as shopping online and making cash withdrawals, are often cited as two contributing factors to what many perceive to be an identity theft epidemic.

If you worry about your personal information getting into the wrong hands, familiarize yourself with the following ways a criminal might obtain information with the intent to steal money or commit other crimes:
Continue reading

Understanding Interest Rates

A Bee Smart Tip presented by Joel Jennings & Caroline Jones of Metro Financial Group, LLC 

1 Joel and CarolineWhen discussing bank accounts, investments, loans, and mortgages, interest is an important concept to understand. In financial terms, interest is the price paid for the temporary use of someone else’s funds, and an interest rate is the percentage of a sum borrowed that is attributable to interest. Whether you are a lender, a borrower, or both, it is important to consider how changing interest rates may affect your financial decision making.

The Purpose of Interest

Borrowing money can help you accomplish a variety of financial goals, and the cost of borrowing is interest. When you take out a loan, you receive a lump sum of money up front and are obligated to pay it back over time, generally with interest. Because of the interest expense, you end up owing more than you initially borrowed. The tradeoff, however, is that you receive funds to accomplish your goals, such as buying a house, funding a college education, or starting a business. Given the cost of interest, which can add up significantly over time, it is important to make sure that any debt you assume is affordable and worth the cost over the long term. Continue reading