Dedham Savings Monthly e-News
December 2012
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Celebrate the Season with Dedham Savings

Throughout the year, you may have seen Dedham Savings employees at various community events. Now that the weather is getting colder, we would love to invite you into our branches to warm up and celebrate the holidays with us. Below is a list of some of the holiday activities and events that we would love to share with you this season:
 
Dedham Savings 29th Annual Holiday Program December 10th-15th: Dedham Savings invites you into our Main Office Lobby at 55 Elm Street in Dedham for a week of live holiday music and festive refreshments, including hot apple cider and munchkins. Many of our branches will also be celebrating this week by providing holiday goodies.  Give-aways such as 2013 calendars and holiday money envelopes to “wrap” those special gifts will be available to all.  Please stop by and celebrate with us.
 
The Giving Tree through December 15thMake a Westwood child’s day a little brighter by fulfilling a request! Stop by our Westwood branch, choose an ornament from our “Giving Tree”, let an employee know about your gift choice and then it’s time for shopping. All unwrapped gifts must be received by December 15th.

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How Married Couples Can Share Financial Management and Planning Responsibilities
Three steps toward building financial equality in your household

Photo: How Married Couples Can Share Financial Management and Planning Responsibilities
Creating financial equality is important for all married couples, not just those who argue about money or are experiencing financial difficulties. Learning to handle money together brings many benefits to any marriage. Money can certainly be a source of tension, but refusing to talk about it will only postpone, not prevent, conflict. Establishing equal footing in your familyís finances can strengthen your relationship and ensure that you are both well-equipped to handle any obstacles that arise. Here are three steps for achieving this goal.
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Look Locally for Your Loans
Reasons to choose a smaller financial institution to come through for you and your money

Photo: Look Locally for Your Loans
Life is constantly throwing surprises in your path that require extra funds. Whether itís paying for a childís wedding, paying for college or making repairs on your home, personal loans are sometimes necessary. But if youíre considering taking out a personal loan, you should strongly weigh whom or where youíre getting it from. Smaller, community financial institutions are a better, more reliable source for a variety of reasons.
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Patriots Tickets Winner Announced!

We would like to thank all of the people who came out to visit our booth at the Neponset Valley Business Expo on November 14th. Many of you participated by doing a cheer with our “Dedham Savings cheerleaders”. We want thank all of you for your enthusiasm and for being part of the conversation on Facebook. Our winner is Lee Kouri with 106 likes! Congratulations Lee and we hope you have a great time at the game. We hope to see you all again at next year’s Business Expo and other future community events. 
 
To see Lee’s winning video, please visit our Facebook page

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Getting Started with a Small Business
Choosing a location and acquiring equipment

Photo: Getting Started with a Small Business Whether you are starting or moving a small business, the choice of location needs to be carefully researched. The impacts of a businessís location are far-reaching and sometimes unexpected. Finding the right one can save you money on taxes or attract the types of clients and employees that are ideal for your company. Consider the following points when selecting your business location to ensure that you make the best choice for your business.
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Sundance Resort, Utah
Robert Redford's retreat draws both artists and outdoor enthusiasts

When Robert Redford purchased Timphaven Ski Resort in 1969, he envisioned a retreat focused on environmental conservation and artistic experimentation. Sundance Resort now spans 6,000 acres and offers deluxe accommodations, as well as superior indoor and outdoor activities.
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Winter Holiday Movies on Television
Movies celebrate the most wonderful time of the year

Get some hot chocolate and gingerbread cookies, settle back in your favorite couch or chair and enjoy a holiday movie on television. This yearís lineup of holiday movies is a good one that will make you laugh, cry and reminisce about past good times. Here are five guaranteed to put you in a festive mood.
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Exercise Outdoors in a Winter Wonderland
Try these tips to enjoy cold-weather workouts

When crisp fall weather turns to bitter winter cold, itís tempting to huddle up inside with a cup of cocoa and wait for warmer days to return. But thereís no reason cold weather should stop your exercise routine, or even drive you indoors. Thereís plenty of frosty fun in outdoor winter exercise.
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Conserving Heat and Saving Money
Ten tips for saving on heating costs through the winter months

Heat and energy costs can skyrocket during the winter months, wreaking havoc with the family budget. Keep heating costs in line by conserving heat as much as possible when the weather turns cold.
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