S NK’ H SOUT HERITAGE BA N ER Club Heritage Club Gatherings A PUBLICATION OF SOUTHERN HERITAGE BANK A Message Club Director: Donna Cafferata The year 2013 proved to be a busy, productive and successful year for Southern Heritage Bank. I’m certain this is the result of loyal customers, like you, continuing to use the products and services offered by the Bank. The Bank’s focus is to maintain that high standard of service to you in 2014 and years to come! Setting goals and sticking to them should be a priority for everyone, whether in business or in your personal life. Whatever your financial goals may be, it is our hope at SHB that you will turn to us for help in achieving them. Whether you’re planning for retirement, a new car, your first home or education we can help you with those needs. In today’s age of “big bank” financial institutions and automated customer service systems, it’s becoming rarer to hear a simple “thank-you” from businesses. We at SHB know you have a choice of financial institutions and we’d like to take this opportunity to thank you for your patronage. Your business is most appreciated. ATTEND A CLUB MEETING! LOOK INSIDE for MEETING DATES SPRING 2014 Keep Your January Resolutions Going! In case your January resolutions have fallen by the wayside, here’s some advice to help you establish a few long standing ones. The problem with conventional resolutions is that you have to keep doing them until they become a habit— that’s kind of the point. These suggested resolutions are different in two ways. They’re in the ‘set and forget’ category, and they can make your life so much easier that you’re likely to keep them: Set up direct deposit. Once you arrange to receive regular payments like your paycheck or Social Security and pension checks with direct deposit, you’ll never have to worry about making timely deposits again. You’ll know that your deposit is in your account exactly when you expect it to be. Set up automated transfers to savings to pay yourself first. The next smart step, after direct deposit, is to get funds into savings right away so they can begin earning interest from the get-go. Automate your mortgage payment. Even with the typical grace period that most mortgage lenders allow, it’s always a good move to take care of that big monthly payment. Again, you’ll never have to worry about making the payment on time. Automate minimum credit card payments. Busy people don’t need more dates to keep up with. So, set up automated payments to cover at least the minimum due on all your credit cards, you can always pay additional amounts so you retire those debts as soon as you can. Arrange to have any overdrafts automatically covered from your savings account. Even if an overdraft is rare in your household, it can happen to the best money managers. Make sure you can cover any inadvertent overdraft with a direct transfer from your savings account and there’s another worry you’ll never have again. If you’ve already managed these resolutions, think of one or two more that could help you get on and stay on the straight and narrow financially. For example, you might want to set up a low balance alert or a payment due alert. Anything that makes life easier, and financial life more productive, is a good habit to make. Log in to SHB Online and select eAlerts from the menu to begin setting yours up. To get additional information, please contact Donna Cafferata at 318.619.3701 or send an email to email@example.com Winter Scammers Want Your Cold Cash! With the cold weather upon us it’s important to be alert and wary of door-to-door scams that crop up in the winter months. Watch out for these red flags when considering home improvements, whether having your HVAC system (heating, ventilation, air conditioning) inspected, your chimney swept, your leaky roof repaired or your heating ducts cleaned. Beware of the handyman who stops by unannounced because he was “in the neighborhood.” These scammers like to make a quick or faulty repair and then disappear with your money. Never pay up front. You’re making it easier than ever for a fraudster to take your money and run. Some legitimate contractors may require a small deposit to begin the work, but contractors have credit lines for big-ticket items and don’t need your cash up front to purchase materials. Beware of special “limited-time offers” that force you into acting quickly. Take the business information and do your research through the Better Business bureau or by checking other independent references before hiring. Be suspicious if you are informed that you need a new heating system or a new roof after a brief inspection. It’s a good idea to get a second opinion from another company before purchasing a big-ticket item. Turn Off the Tube. If you’ve been glued to the TV lately, it might mean you’re in a rut. Unhappy people watch 20 percent more television than self-described happy people, according to a new study from the University of Maryland. Though TV may offer an easy escape from life’s grim realities, clinging to the remote can leave you feeling…well, remote. So lay it down and try two activities linked with happy folk in the study: reading and socializing. Activity Calendar Stay In-The-Know With Heritage Club’s Activity Calendar JENA CLUB MEETINGS - 2832 E. OAK Date: April 8, 2014 Time: 10 am to 11:30 am “Holistic Lifestyles, Yoga, and Wellness” Speaker: Lyndon Marcotte, Certified Stress Management Consultant and Owner of Cenla Yoga Date: June 10, 2014 Time: 10 am to 11:30 am “Good Food Project Garden and Jena Community Garden Updates” Speaker: Frances Boudreaux, Good Food Project Director at Food Bank of Central Louisiana ALEXANDRIA CLUB MEETINGS - 5211 JACKSON ST. EXT. Date: March 11, 2014 Time: 10 am to 11:30 am “Good Food Project Garden Updates” Speaker: Frances Boudreaux, Good Food Project Director at Food Bank of Central Louisiana Date: May 13, 2014 Time: 10 am to 11:30 am “A Mother’s Day Celebration!” British Landscapes September 18 – 27, 2014 Highlights include: London, London Theatre Performance, Cambridge, York, Edinburgh Castle, Lake District, North Wales, Stratford-upon-Avon, Cotswolds, and Stonehenge Cost Per Person: $4,049 (double ocpy) Join us for this 10 days, 13 meals adventure. Included in Price: Round Trip Air from Alexandria International Airport, Air Taxes and Fees/ Surcharges and Hotel Transfers. Cancellation Insurance of $230 per person not included. Feel the vibrant energy of England, hear the unique sounds of Scotland and see the rolling countryside of Wales on a trip that combines the exploration of dramatic history and natural wonders. Call 619.3701 for a detailed flyer about British Landscapes Adventure packaged through Collette Vacations! BOOK NOW & SAVE $250 PER PERSON WITH DEPOSIT MADE BY MARCH 18TH. Date: July 8, 2014 Time: 10 am to 11:30 am “What’s New At the Alexandria Museum of Art!” Speaker: Stephen H. Farnsley Development and Community Relations Officer at Alexandria Museum of Art Join Us for Our Annual Ice Cream Sundae Event! Southern Heritage Bank 5617 Coliseum Blvd. Alexandria, LA 71303 www.shbnet.com Washington D.C.... Your Passport to the World! April 29th – May 5th, 2014 Cost Per Person: $2,598 (double ocpy) SPACE STILL AVAILABLE CALL TODAY! Highlights Include Patsy Cline Historic Home, Manassas Battlefield, Historic Red Fox Inn, US Capitol, Library of Congress, Dinner in a Foreign Embassy, Anderson House, Hillwood, National World War II Memorial, Arlington National Cemetery, Ford’s Theatre and Mount Vernon. A special treat awaits as you enjoy a performance at Ford’s Theatre. So join us as we travel the world~ passport not required! Packaged by Trips, Inc. Price includes Round Trip Air from Alexandria Intl Airport, Air Taxes and Fees/Surcharges, Hotel Transfers. Cancellation Insurance of $185 double occupancy and $232 per person single. Call 619-3701 for a detailed flyer.