August 2015

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Back To School Contest!
Are you a student heading off to college?  Enter our Instagram contest for a chance to win a $50 Amazon gift card!

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Stand Up to Cancer
From July 13, 2015 through September 15, 2015, spend $10 or more paying for your meal with your MasterCard and MasterCard will make a donation  to Stand Up to Cancer.

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Cardless Cash and More App Enhancements Coming August 10
We are rolling out some new Mobile App features on August 10!

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Coming soon: MasterCard Debit Card and EMV Chip
Over the next few months, Avidia Bank Debit Card Customers will be receiving a new MasterCard debit card that is EMV Chip enabled.   Here's some more information regarding how EMV chip enabled …

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Making a Plan to Reduce Debt
How to pay it down most efficiently
Having a lot of bills and debt is discouraging, but it doesn’t have to consume your life. There are ways to methodically pay down your debt based on your financial and personal goals and objectives. …

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How Setting Savings Goals Can Help You Save Money
Focus your attention to get the job done
Just like with life in general, setting goals for savings can make you much more focused on the task at hand and therefore more successful in reaching those objectives. But how and where do you get …

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How Banking on the Internet Can Help Teach Financial Skills
Online banking benefits that improve your money management abilities
These days, the conveniences of the Internet are well-known to nearly everyone. However, when it comes to online banking, the benefits are a lot greater than mere convenience. The various aspects …

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Much More Than Salary: The Cost of a New Employee
Determining the true overall cost of an employee

Attempting to determine the exact cost of a new employee is a complicated process. It isn’t as simple as completing salary negotiations, and even including the cost of training and benefits doesn’t fully encompass the actual cost. So how do you determine the overall cost of an employee?

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August Events

August is full of events and festivals!  The Bolton Fair, The Spirit of Hudson, The Hot Air Balloon Festival, Leominster Food Truck Fest and weekly area farmers markets!  

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Online Documents Now Available

You may have noticed when you login to your online banking that your e-documents have changed.  Click on Accounts, then you’ll see “Online Documents” on the right.  This is where you will find your statements, alerts and tax documents.  Go green and go paperless today!

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Car Insurance for Out-of-State Students
Make sure you have the right coverage

When your child goes away for college, most of the focus is on tuition, books, and his or her dorm room. But if your child is going to be taking a car along, there are steps that you need to take to ensure he or she has the proper coverage.

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5 Highly Anticipated Books to Be Released This Summer
Get ready for beach reading with this list of summer’s hottest releases

Summer is the perfect time to catch up on your reading. Whether you’re enjoying a trip to the beach or having a staycation at home, sitting down with a good read helps relax the mind and give it a break from the stress of our everyday lives. Here are some of the most anticipated new releases that you can look forward to finding in your local bookstore or library this season:

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5 Ways to Improve Your Eyesight Naturally
Forget surgery—these tips could help you improve your eyesight naturally

Some of us are lucky enough to be born with near-perfect vision. These individuals will go through life never needing to wear glasses. Others aren’t so lucky and must shell out hundreds, if not thousands of dollars every year for contact lenses, reading glasses, bifocals, designer frames—you name it.

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Hidden Costs of College
Don’t forget about these expensive hidden costs of college

Whether it’s your child or your grandchild that is off to college, it’s no surprise that college costs have increased dramatically and will continue to do so over the years. At least you know how much to set aside to cover it all — the cost of tuition, room and board, and books, right?

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.


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