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  December 2016 • watertownsavings.com • 617.928.9000 Member FDIC • Member DIF  

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Farewell
Long-time Editor to Retire

Dear Readers:  I have been the editor of the Money Matters newsletter for over 20 years.  First as a monthly paper edition, and then six years ago we moved to this online version.  As the Marketing Manager for the bank, the newsletter has always been my favorite task.  My role has been to do my best to keep you informed of changes as they came along over the years.  I’ve tried to bring you helpful articles about managing your money while keeping you current on community events and product changes.

After 30 years here at the bank, I will be retiring this month.  It has been a great honor to work here at Watertown Savings Bank.

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Best Ways to Save for Your Mortgage Down Payment
Four simple methods to get the ball rolling on your down payment savings

Buying a home is a huge step in life and begins with a huge hurdle: the down payment. Fortunately, by starting early and thinking things through, you can get a solid jump on saving. Here are some easy ideas to get you started.
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Best Ways to Spend Your Money Once You’ve Retired
You’ve spent your life saving for retirement, so make sure to put the money to good use

There is no right or wrong way to spend your money once you’ve retired. But you also don’t want to spend a lifetime of savings on something trivial or wasteful, or on nothing at all. Instead, you may want to spend your money in a unique and enjoyable way.
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The Importance of Paying Your Bills on Time
The success of your business relies heavily on making on-time payments

Paying your business bills follows the same rule of thumb as your personal bills: Maintaining an on-time payment schedule for all of your bills will help keep your credit, and therefore your business, in good standing. Furthermore, not paying your bills on time causes a trickle-down effect that could negatively impact your business.
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Celebrate Christmas in New York City
How to spend the holidays in the Big Apple

New York City is an attraction for tourists all year long, but it has a special charm during the holiday season.
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How Volunteering is Good for Your Health
Four ways volunteering improves mental and physical health

The end-of-year holidays are a popular time to volunteer at charities and non-profit organizations. However, many people might not realize that as they help others, they also help themselves.
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First Day Event
Mosesian Center for the Arts

The newly named Mosesian Center for the Arts (formerly Arsenal Center for the Arts) will be hosting a special First Day event.  Stop by the center between the hours of 11 am and 2 pm on Monday, January 2nd.  There will be live performances, singalongs, art projects and theatre activities.  Everyone is welcome to this annual free event, sponsored by Watertown Savings Bank.  The Art Center location is 321 Arsenal Street, Watertown.  Plenty of free parking. Visit arsenalarts.org for further information.
Please Note Our Special Holiday hours

All locations will be closed on Saturday December 24th and will be closed the day after Christmas, Monday, December 26th.   Please plan accordingly.

On Saturday, December 31st, New Year’s Eve - all locations will be open regular hours but we will be closed the day after New Year’s Day, Monday, January 2nd.

We hope everyone enjoys this special time of year with friends and family and best wishes for a prosperous 2017!

Customer Choice Deadline

This is the last month to have your vote counted for our annual Customer Choice Awards.  Voting ends at midnight on December 31st.   Encourage everyone you know to help support your favorite local non-profit.  Anyone with an account at Watertown Savings Bank may vote.  Everyone has one vote.
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Calendar giveaway/ money envelopes

Our annual calendar give-away is at hand.  The calendar features the beautiful photography of local high school photographers and feature scenes from our area. Stop by any branch location for your free calendar.  While supplies last.

Gift money envelopes are also available.  Pick up your free holiday-themed gift envelopes at any branch office. (Limited to 5 per visit).

Annual Food Drive

Bins have been set up in the lobbies of each of our branch locations to collect non-perishable, non-expired food items that will be delivered to local food pantries at the end of December.  Many families struggle to pay for heat and rent so buying food becomes difficult.  Let’s do what we can to help those in need this holiday season.
Santa to Visit Branches
Free photo with Santa

Santa will be visiting our branches during the month of December.  His schedule is as follows:

Thursday, Dec. 15,  3 to 5 p.m. East Watertown Branch,  10 Bigelow Ave.

Friday, Dec. 16,  3 to 5 p.m. Waltham Branch, 6 Lexington Street

Monday, Dec. 19,  2 to 4 p.m. Arlington Branch, 980 Mass. Ave.

Tuesday, Dec. 20,  2 to 4 p.m. Lexington Branch, 1075 Waltham Street

Wednesday, Dec. 21,  2 to 4 p.m. Waverley Square, 30 Church Street, Belmont

Thursday, Dec. 22, 3 to 5 p.m. Warrendale Branch, 739 Main Street, Watertown

A non-perishable donation to our Food Drive would be appreciated.

Club 50 News
Nobody Knows How to Party like Club 50!
by Lynne Paolillo

Nothing gets us in the spirit quite like the Club 50 holiday parties!  The parties are right around the corner and we cannot wait to get started! Hundreds of Club 50 members – along with local dignitaries and WSB Trustees, Corporators, and employee volunteers – are looking forward to attending our Holiday Parties on December 7 and 14. Our guests can expect all of the annual favorites such as The Soft Touch Band 21-piece orchestra, DJ Danny McCarthy, a lovely five-course dinner, pictures with Santa … and of course we will have a few extra surprises this year to add to the fun!
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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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