Club 50 eNewsletter
October 2019
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Connie Braceland
Vice President
Community Relations & Club 50
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Connie's Corner

Happy Fall Everyone!

What a wonderful September we had!  Unusually warm weather and very little rain!

The Fall season always brings with it many, many outdoor events, and this Fall has been no exception!

The Bank participated in both Waltham and Arlington Town Days, which were on the very same day!

Kelly Cronin was the lead on Arlington, and Arielle handled Waltham!  Great job by both of them along with many WSB employees who volunteer on their own time to help.

We were also at Cushing Square Fall Festival, the Watertown Farmers Market, and the biggest of them all…Watertown’s Faire On The Square!  Thank you to ALL of our extraordinary employees to came out to help!  We have a great team here!

Last month we told you the Spain & Portugal trip scheduled for May 9-20, 2020 had sold out with a waiting list.  We will run a second trip if we get at least 20 members to go.  The second trip will be June 8-19, 2020.  It will be the same itinerary as the May trip.


We also told you the other big trip for 2020 would be the Canadian Rockies…we have scheduled the preview night!  It will be on Tuesday, October 29th at the WATERTOWN SONS OF ITALY.  Lilia Viscomi from Cruise Planners will present the trip.  Flyers have just gone out, so be sure to let us know if you are coming!

There are only 3 more day trips left this year, and then the Holiday parties!  Where does the time go???

I am looking forward to seeing many of you over the next three months.  And don’t forget to tell your friends how much fun we have in Club 50, and how easy it is to sign up!

Have a great month, and call us with any questions!

See you soon!


September in Review

Turkey Train Where did September go? 
Looking forward to the Turkey Train seemed to make time fly by!
And once the trip came, the rest of September disappeared.

The Turkey Train was a great way to prepare for all of the things we love about fall -- not too sunny, filled with goodies like cider donuts and mashed potatoes, and of course apple pie. A few pit stops on the way gave us time to peruse a grand selection of wine and spirits, perfect for a train that was BYOB!
Rolling along Lake Winnipesaukee allowed us time to reflect on our summers, and then stuff ourselves with all the trimmings of fall. Hart's Roast Turkey Dinner was piping hot--followed by apple crisp, and a little gift of their famous Carrot Relish.
Has anyone tried their relish yet? We are trying to decide what it would pair with. I have heard hotdogs, burgers, veggie burgers, crackers. If anyone has found a need-to-try combination, please let us know!
Our last stop on the way home was to a small farm stand. Unfortunately Kellerhaus and their chocolates were closed for the day, but we still got our sweet tooth cravings satisfied! Fresh cider donuts, local apples, maple candies, and sauces galore -- oh my!

Our next dive into fall will be a more traditional (but no less fun!) adventure to New Hampshire. We're headed to Oktoberfest! There was so much interest in this shindig, that we have 2 whole buses head to East Hill Farm Inn on Thursday, October 17th. Cheese, live music, a family-style home cooked meal, and of course beer is the official way to usher in the fall foliage. Hopefully there will be a little more color in the leaves in a few weeks. Now this is a farm -- so we may recommend wearing some comfortable shoes you don't mind getting a little dirty.

Fear not if the leaves are still holding on! Next on our list is a trip to the Cranberry Bogs at A.D. Makepeace on Monday, November 4th where you can enjoy the colors of Autumn with a guided tour from inside our bus. There is a chance to explore the bogs and take pictures, so for this trip, we want you to bring your boots! We have a few seats left!! If you want to go, please let us know ASAP!!! Not only are we taking a tour, but we'll be having a wine tasting at Plymouth Bay Winery nearby. It is going to be a day packed full of fun and fall festivities.

Lastly, please be on the lookout for our newest mailings! We will be having a Preview Night on Tuesday, October 29th for our 2020 trip to the Canadian Rockies next September. We were surprisingly overwhelmed by the interest in the Spain/Portugal trip for our last preview night...if you can make it to this event, it is a must!! And a reminder: for those of you who were disappointed in not being able to go on the original Spain/Portugal trip, we have opened up a second trip to accommodate the interest. If you would like to go, again, please let us know ASAP!!

Now that September is gone, we are already thinking about the holidays, so be on the lookout for some Holiday Party invites, too!

Have a great fall, everyone!

See you soon!

Our 150th Anniversary
& Customer Choice Awards!

As we reflect on our upcoming 150th Anniversary, we look to you for help in recalling our history in this great community. If you have any memories, photos, stories, or memorabilia you would like to share, please stop on by! Or stop by any of our bank locations and have them pass it on to the Main branch.

Good examples of memorabilia would be:
  • Anything with an old logo
  • Old personal photos with employees or the Bank
  • Newspaper articles
  • Pins, cufflinks, fountain pens, awards, photos, anything to do with the Bank
  • Memories or stories! We can write them down for you. Or, feel free to write them yourself!

Customer Choice Awards!

We will be celebrating our 150th Anniversary next year! Our President Mr. Brett Dean has graciously doubled the donation amount to $150,000! We will be awarding numerous non-profits of YOUR choice, so be sure to vote for your favorite, local non-profit.

The top 3 Winning amounts will be distributed as:

1st Place – $15,000
2nd Place - $10,000
3rd Place - $5,000

The more votes your favorite organization gets, the more money they will be gifted!

Customers may only vote once. Be sure to get your friends and family to vote to support a local non-profit of your choice!

Voting begins in October and runs through December of this year. We will be trying to make voting as easy as possible, so you can get your vote and your choice heard.

Please give us a call, or ask your local branch to help you vote throughout October!

Thank you for helping us celebrate!

Voting Deadline: December 31st, 2019 at 11:59PM

Refer a New Member, Get Rewarded, Have Fun!

Don't forget about our Club 50 Referral Program! If a current Club 50 member refers a friend to become a NEW Club 50 member, that current Club 50 member receives a $25 coupon towards their next day trip with Club 50.

Help us spread the word about all of the fun we have in the Club!

Offer details: The $25 is not redeemable for cash. Redemption value not to exceed $25.00. Offer subject to change without notice.

The Holidays...Already!

Be On The Lookout...

Our Annual Holiday Party invites are in the mail!

It's never too early to think about what you want to wear for this holiday soiree....

Join us Wednesday, December 4th or Wednesday, December 11th.


See complete form in our forms section of the newsletter.

Coming Up in the Community

Watertown Food Drive - October 2019
  • Please see forms section of our newsletter for locations near you, and food donation suggestions! Watertown Savings Bank is accepting drop offs during business hours at our 60 Main Street Location, as well as on Saturdays.


MON-WED: 8:30am-4pm
THURS: 8:30am-6pm
FRI: 8:30am-5pm
SAT: 8:30am-12pm

Please drop off food donations in brown paper bags. All donations will go to the Watertown Food Pantry and Watertown Catholic Collaborative Food Pantry. Thank you!

Fall Shred Day

Saturday, October 12th 2019 from 9:00am-12:00pm
@ Watertown Savings Bank Main Office, 60 Main Street

Bring the piles of documents you have sitting at home...sensitive or not, we will shred them for you FREE of charge! It will feel good to unload your car, and create space. Let us handle it!

Waltham Business Expo

Friday, October 25th from 11:00am-2:00pm
@ The Westin Waltham-Boston Hotel, 70 Third Avenue, Waltham MA

A FREE event open to the public! Come peruse and support local businesses, such as popular food vendors, service agencies, mom-and-pops...and of course enter to win raffle prizes from various tables, including the one at our Watertown Savings Bank table! A good time, and a good way to get involved in the community.

FREE FLU SHOTS will be administered by the Newton-Wellesley Hospital!


Stop by to see us in costume!

We'll also be taking a stroll in Cushing Square to hand out treats (not tricks)!

Don't Miss Out!

TRIP DATE: Thursday, October 17th 2019
There are a few seats left! Let us know if you would like to come ASAP!

Canadian Rockies Preview Night
PREVIEW NIGHT: Tuesday, October 29th 2019 at 5:00pm
NEW LOCATION: Watertown Sons of Italy - 520 Pleasant Street, Watertown MA 02472
TRIP DATE: September 9th-19th 2020, 11 days/10 nights
Complete form listed under our forms section of the newsletter.

Cranberry Bog Fall Harvest
TRIP SIGN UP: Tuesday, October 1st 2019
TRIP DATE: Monday, November 4th 2019
At the moment, we have a few seats left! Don't forget to bring your boots for this one!
Complete form listed under our forms section of the newsletter.

Tower Hill Botanical Garden Night Lights
TRIP SIGN UP: Tuesday, November 19th 2019 (after our Iceland trip!)
TRIP DATE: Friday, December 13th 2019
Complete form listed under our forms section of the newsletter.

Upcoming Bank Holidays - CLOSED!

We will be closed the following Mondays in observance of the Holiday Weekends:

Monday, October 14th 2019 in observance of Columbus Day/Indigenous People's Day

Monday, November 11th 2019 in observance of Veterans' Day

Thank you! We'll see you soon!

Required Minimum Distributions (RMDs)

Infinex Investments, Inc
located at Watertown Savings Bank
Sandy M. Penchansky, CFP®,
Financial Advisor/Vice President
60 Main Street
Watertown, MA 02472

What Are Required Minimum Distributions (RMDs)?

Which Retirement Savings Vehicles Are Subject to the RMD Rules?

When Must RMDs Be Taken?

How Are RMDs Calculated?

Should You Delay Your First RMD?

What If You Fail to Take RMDs As Required?

Can You Satisfy the RMD Rules with the Purchase of an Annuity Contract?

Tax Considerations

Inherited IRAs and Retirement Plans

Click to read the full article below!

Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC.
Member FINRA/SIPC. Infinex and the 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 and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

Gobble 'Til You Wobble!

This year's Turkey Train was a hit!

Although the fall foliage wasn't in full swing, Lake Winnipesaukee was gleaming as we chugged along the coast. Arielle also earned her "muscle man" badge for cranking open the historic train's windows for some fresh air.
Safe to say that everyone had a good night's sleep after a filling turkey meal! And the stop at the NH state liquor store helped, too.

Did You Know?

The Food Scene
A popular South End restaurant -- The Gallows -- will be opening a second location in Watertown!
AND there will be donuts! Blackbird Donuts will be joining the restaurant to offer its wide array of glistening treats.

Blackbird Donuts website:
The Gallows website:
Read more here:

Massachusetts ID Requirements
In one year, Massachusetts residents will need to get a Real ID in order to board planes or enter federally secured buildings. These are the new IDs that have a gold star in the upper right corner.
However, getting a Real ID can be quite the process...

Read more here:
To learn more about the requirements:

Online Shopping Will Now Include the Massachusetts's Sales Tax of 6.25%
New regulations took effect Tuesday, October 1st 2019 that enforces a 6.25% sales tax on all online purchases in Massachusetts that meet the new requirements. Remote online sellers will be collecting the tax on sales if their sales exceed $100,000 in a calendar year -- that means websites like and other large online marketplaces.

Read more here:

Seasons Change - Your Wardrobe Will, Too!

This fall/winter, as you prepare to make room for some new cozy sweaters, consider donating your unused summer and winter clothing to a local thrift store!

An act of good will can put you in the holiday spirits, which is much needed as the temperature continues to drop.

Here are some local places to donate your clothes:

1. Sister Thrift - 370 Pleasant Street, Watertown MA 02472
2. Rosie's Place - 889 Harrison Avenue, Boston MA 02118
3. Cradles to Crayons - 155 N Beacon Street, Brighton MA 02135
4. The Goodwill Store - 230 Elm Street, Somerville MA 02144
5. Dress for Success - 989 Commonwealth Avenue, Boston MA 02215
6. Global Thrift - 322 Moody Street, Waltham MA 02453
7. Urban Renewals - 122 Brighton Avenue, Allston MA 02134

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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