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  March 2017 • watertownsavings.com • 617.928.9000

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High School Photo Contest

Each year Watertown Savings Bank hosts a high school photo contest to find the photos that will appear in the next year’s calendar. We distribute 7,500 calendars each year to our customers. The contest is open to all high school students who either live or attend high school in Watertown, Waltham, Newton, Belmont, Lexington or Arlington.

For our 2018 calendar we are looking for twelve photographs that depict scenes of Watertown, Waltham, Newton, Belmont, Lexington or Arlington. Students are invited to submit up to three photos, either in black & white or color. Visit watertownsavings.com/photo to submit your entry. Deadline to enter is Sunday, April 16th at midnight.

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Will You Need a Part-Time Job When You Retire?
A part-time job during retirement may be necessary for some and a choice for others

If you haven’t properly saved for retirement, it will be difficult not to have a part-time job for needed supplemental income. However, there seems to be a growing trend of “want” instead of “need” among individuals who pick up a part-time position after retirement.
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Reasons to Consider a Professional for Investing
Why hiring a CFP or other pro is beneficial

A 2014 study found that investors who used professional help in setting up or managing their accounts had returns 3.32 percentage points higher than those of people who went at it alone, even after taking fees into account. But why might that be the case?
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Health Benefits of Yoga
Health Benefits of Yoga

Millions of people practice some form of yoga every day and receive many benefits from the exercise, both in body and mind.
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DIY Cleaning Products You Need in Your Home
A few solutions for your everyday cleaning needs

If your aim is to save money, keep your home free from potentially harmful products, reduce your impact on the environment or some combination of all three, then you may want to consider using these homemade cleaning products in lieu of store-bought items.
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The Unsung Benefits of Listening to Music
Listening to music has some amazing benefits

The music we listen to can have some surprising benefits that can affect you both physically and mentally.
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Coming Soon! A New Version of WSB Online Banking

We’ll soon be rolling out a new version of WSB Online Banking! Enjoy a simple, convenient, and easy way to manage your accounts. The new intuitive design creates a user-friendly online experience making it easier to navigate all the banking features available to you.
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Bank News
We’re in the process of upgrading our ATMs with EMV chip-enabled technology to provide more security, ease of use, and convenience. Additional information will be provided at each ATM location.
Club 50 News
We’ve finally got that Spring back in our step!

As the snow begins to melt and the days are getting longer… we can’t help but get more and more eager for what lies ahead for this coming spring season!  We revealed all we have planned to our Club 50 members at the Annual Travel Seminar last month. Thank you to all who attended, we had a great turnout! We hope it got everyone excited. This year promises to be just as amazing as previous ones!

Club 50 members who were unable to attend the Seminar, can refer to the details via a mailing that just went out, or in your upcoming exclusive Club 50 eNewsletter. The trips are also listed on the Club 50 page of the Bank’s website.

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Sandy's Financial Corner

It's that time of year when we are scrambling to get our taxes done before the April 18th deadline. It's also approaching the deadline to contribute to either your ROTH or Traditional IRA for 2016. The deadline to contribute is the tax filing time. The maximum allowable for 2016/2017 is $5500 if you are under age 50 and $6500 if you are over age 50. Also, if you are turning age 70 1/2 or you are already over age 70 1/2, you need to make certain to address your Required Minimum Distributions for the year. Did you know there is a 50% penalty if you do not take out the required amount?

For more information, come meet with Sandy Penchansky, Financial Advisor with Infinex Investments located at Watertown Savings Bank (60 Main Street in Watertown), give him a call at  617-928-2349, or email him at spenchansky@infinexgroup.com.


Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Infinex and Watertown Savings Bank are not affiliated. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States are not deposits or obligations and are not guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.


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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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