Dedham Savings Monthly e-News
January 2012
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Dedham Savings Announces Charitable Foundation Awards

At a meeting of the Dedham Institution for Savings Foundation Trustees held in the Board Room at 55 Elm Street, Friday, December 2, 2011 the following decisions were made and funded in December 2011: 
  • Approved Dedham Art Association in the amount of $1,000.00
  • Approved Dedham Community House Association, Inc. in the amount of $5,000.00
  • Approved Dedham High School Library & Dedham Middle School Library in the amount of $10,000.00
  • Approved Dedham Square Circle in the amount of $5,000.00
  • Approved Dedham Women’s Exchange in the amount of $3,800.00
  • Approved Fairbanks Garden Club in the amount of $1,000.00
  • Approved Friends of the Dedham Public Library in the amount of $2,000.00
  • Approved The Medfield Afterschool Program in the amount of $5,000.00


What You Should Know About Joint Mortgages
Benefits, disadvantages and options to consider before you sign

Photo: What You Should Know About Joint Mortgages
When two or more people apply for a mortgage together, this is referred to as a joint mortgage. A joint mortgage, however, is not the same as joint ownership of a home: Ownership is determined by how the home is deeded, while a joint mortgage specifies who is legally responsible for repayment of the loan.

The ABCs of E-Payments
How to protect yourself while making purchases online

Photo: The ABCs of E-Payments
The Internet has brought about a world of convenience. You can chat with people from around the world; search and apply for jobs; and, of course, purchase goods and services with just a few clicks of the mouse. As the popularity of purchasing goods and services online continues to grow, so too do the number of methods people are using to pay for them. Though debit and credit cards are still the most popular types of electronic payments, or e-payments, other payment methods have been developed:

The Pros and Cons of Automatic Withdrawal
Things to consider before signing up

Photo: The Pros and Cons of Automatic Withdrawal
According to a June 2011 report from the United States Department of Labor, Americans typically spend more than two hours per day on household maintenance duties such as cleaning, cooking and financial management. One way to cut down the amount of time you spend on managing your household�s finances is to set up automatic withdrawals for your monthly bill payments and savings contributions. But before you do, consider the pros and cons:

Thank You for a Wonderful Holiday Program!

All of us at Dedham Savings would like to thank everyone who helped us to make the 28th Annual Holiday Program a success. From December 15th -21st, we enjoyed tapping our feet and singing along to some of our regular performers such as the Westwood Swing Band, Ursuline Academy Choral Group, First Baptist Church Bell Ringers and the Avery School’s 5th Grade Chorus (featured on Dedham Patch). In addition to our regular favorites, we also welcomed a few new groups with open arms such as Norm Conrad’s Mini Minstrels and a few friends we hadn’t seen in awhile such as the Needham Retired Men’s Glee Club (pictured here). 


Reminder: Change in Over-the-Counter Sales of Paper Savings Bonds

Please keep in mind that effective December 31, 2011 per the United States Department of the Treasury, Bureau of the Public Debt, paper savings bonds are no longer sold over the counter at financial institutions, including Dedham Savings. 


Considerations When Buying an Existing Business
Useful acquisition tips for any industry

Photo: Considerations When Buying an Existing Business
There are two main ways to achieve business growth: by increasing your sales and revenue, which is sometimes referred to as organic growth, or by acquiring another business. During challenging economic times, when organic growth may be more difficult, business acquisition is often an attractive growth strategy. Buying another business may enable you to expand your geographic footprint, acquire a competitor�s customers, or add new products and services that complement your own.

The Greatest Snow on Earth?
A look at some of the world�s coldest places

Photo: The Greatest Snow on Earth? Winter is upon us and the thaw is still months off, yet many of us are already dreaming of warmer weather, lighter clothes and daylight hours that last beyond the workday. No matter how cold or blustery your winter has been, just remember it could always be worse. Comfort yourself by having a look at some of the world�s coldest locations, and your own winter experience might end up seeming downright balmy.

Five Top Cars for Teenage Drivers
These vehicles promise to please both young drivers and their parents

Photo: Five Top Cars for Teenage Drivers This past September, AOL Autos published its 10 Best Car Options for Teen Drivers. The winners were determined by crash test ratings from the Insurance Institute for Highway Safety along with reviews and test drives by staff members. Here are five of AOL�s standout cars for new drivers:

Play with Your Food
Eco-friendly, veggie-based products

Photo: Play with Your Food Your mother may have told you not to play with your vegetables, but if she had known you could build an entire car out of them, perhaps she would have reconsidered her stance. Vegetable-based products are certainly not new; however, with green technology stepping up its game, these products are better and more decomposable than ever.

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