The Carlsbad National bank Newsletter
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November 2018

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Meet Veronica Hernandez
If you step into the Trust Department at Carlsbad National Bank, Veronica Hernandez is one of the smiling faces that you might see. Veronica is the Assistant Vice President Trust Investment Officer. Veronica has been at the bank for four years and her primary role is to keep portfolios fully invested for the benefit of her clients.

Veronica said that she chose this career path because she wanted to be active in helping others, “It was an opportunity to be a part of a team that serves very directly for the good of a client.” She enjoys playing a part in planning a path to help people reach their financial goals whether that is someone in their retirement years or someone planning for the future of their children or grandchildren. “The love of a parent looking forward to plan for their child’s future is so touching and quite an honor to be a part of,” said Veronica.

Veronica is also a mom to a thirteen-year-old daughter. “Most of my time is filled getting her to activities, watching her practice her passions, and encouraging her success in the classroom,” she explained. Veronica serves the community by being a Rotarian, a chamber Ambassador, and an active member at her church.

If you have any questions or would like more information about the Trust Department, feel free to contact Veronica Hernandez.
Community Giving- October

In the month of October, CNB contributed to the following causes:

Carlsbad Winter Wine Festival
St. Edward's School
Cavemen Baseball
Boo In the Zoo- The Living Desert
Carlsbad Heights Lions

If you would like CNB to donate to your organization or cause, please go to and fill out a Donation Request Form.

How to Turn Your Talents into a Small Business Venture

Nearly any interest you have can be seen as a business opportunity. There are gaps in every marketplace and when you’re a part of the consumer base, it can often be easier to see those gaps than if you’re on the production side. If you see a gap in the market and would like to create a business based on your talent and interests, the journey is a long, but rewarding one. As a general overview, here are a few key steps to take when starting your small business.
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Cool Ways to Save Extra Money
A little creativity and thought can save you a lot of money

There are many ways to save a little extra money each month, so of which have added benefits beyond financial ones. Have a little fun and get some great additional perks with these five out-of-the-ordinary ways to save extra money.
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What to Do Instead of Shopping on Black Friday
Charitable alternatives to post-holiday consumerism

It’s quite common to spend the day after Thanksgiving taking part in a shopping frenzy. If you’re tired of getting up early to fight the crowds and would rather avoid the stress of bargain hunting, try any of the following activities.
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5 Easy Ways to Stay Active During Your Work Day
How to incorporate activity into your day

If your job requires you to sit for hours, take these simple steps to stay more active while at work.
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Published by Carlsbad National Bank
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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.
External links are provided for your convenience.  The Bank does not endorse or guarantee the products, information, or recommendations provided by linked sites and the Bank is not liable for any products or services advertised on these sites.  Each external site may have a privacy policy that differs from the Bank.  Any linked site may provide less security than the Bank’s website and e-newsletter site.

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