Club 50 eNewsletter
November 2019
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Connie Braceland
Vice President
Community Relations & Club 50
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October in Review

Ein Prosit, ein Prosit 
Der Gemütlichkeit 
Ein Prosit, ein Prosit 
Der Gemütlichkeit. 

A toast, a toast
To cheer and good times
A toast, a toast
To cheer and good times.


We had a wonderful October, with a lot of ups and downs in the weather. I want to remind everyone to always bring a few layers, just in case! Our outfits have to change like the leaves change colors--quickly and brightly!

I give this advice with our Oktoberfest trip on my mind. The trip this month to East Hill Farm Inn proved to be quite the little adventure!

On the way to the farm we took a stop at Smith's Country Cheese. The owners have a unique story...they bought the dairy farm and cheese business with no knowledge of cheese! Just a dream of getting out of the city and finding jobs that they loved. Luckily, the previous owner offered to teach them and pass on his love for cheese. A few years later, the new owners are now raising their kids and continuing the tradition of good cheese. And let me confirm for you -- the cheese is good. Really good.

Luckily for us, they also had an extensive selection of craft beer! We were able to carry on the tradition of Oktoberfest with an abundance of good friends and great drinks.

When we arrived at the farm, the band was already playing. The band was fun and knowledgeable, playing some classic Oktoberfest tunes, like the one above! We had a great time chatting, and of course eating the endless flow of food.

These great times are really made possible by great people.

Next up is the Cranberry Bog Harvest Fest on Monday, November 4th, and then our last day trip of the year, the Night Lights exhibition at Tower Hill Botanical Gardens. Sign up for the Night Lights will be November 19th, and the trip will be on December 13th! The trip form will be under our forms section!

Connie is already looking forward to the next and final big trip this year -- ICELAND! A small group, a great group. They'll be gone from November 8th to the 15th (Arielle will be in office, no worries!). For those of you going, don't forget to add "voting" to your checklist! Polls are open on November 5th.

And finally, you may have heard about our Canadian Rockies trip in 2020. Once again the preview night was a big hit! A huge thanks to the Rocky Mountaineer rep., Tim, who put together a visually spectacular presentation. We are almost at capacity...but we will take names for a waiting list if it comes to that. AND please note that the dates have changed to be September 19th-29th. This allowed the itinerary we really wanted. And it turns out that these dates make for a great visit to the Rockies, as the weather begins to change. We were reassured that the climate is really temperate, but to of course bring layers. If you are interested in the trip, please reach out right away. The trip forms, itinerary, and flyer will all be under our forms section!

Have a great fall season, and remember to take care of yourselves and have fun! Hope to see you soon!

Connie's Corner
October into November

October has now come and gone, and by the time you read this, it will be November!

The fun never stops in Club 50…we had TWO full buses for our Oktoberfest trip!  The food was abundant, the band was entertaining, and the company was fantastic!  Arielle did an outstanding job handling a bus all by herself!  Great job Arielle! 

We had a wonderful turnout for our Canadian Rockies trip preview, and sign up.  We are almost already sold out!  We did have to change the date of the trip.  The new date is September 19th – 29th, 2020, and will be handled by Travel Showcase.  The representative from Rocky Mountaineer gave the presentation, and the trip looks amazing!  There are just a few spots left, so please let us know if you are interested.

There are only 2 more day trips left in 2019!  November 4th is/was the Cranberry Bog Harvest Tour, and December 13th is our visit to Night Lights at Tower Hill Botanic Gardens.  It will be a nice way to close out our 2019 trips, and a nice way to really embrace the upcoming holiday season.  

Speaking of holiday…make sure you get your forms turned in to Arielle for the annual Club 50 Holiday Party!  They will be held December 4th and 11th, at the Westin Hotel in Waltham.  I look forward to seeing all of you there!

Thank you for being part of Club 50!


Our 150th Anniversary

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.

Branch: stop by to fill out or drop off an official ballot
Mail: WSB Community Relations Office
60 Main Street, Watertown MA 02472

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

By submitting your vote, you are also entered to receive a $250 Gift Card!!!*
*Bank employees and their immediate family members are not eligible to win.
*You do not need to be present to win.
*The prize must be reported to the IRS.
*No purchase necessary to win.

The local charitable organization with the most qualified votes submitted will be awarded a $15,000.00 donation!

All remaining donations will be awarded to local charitable organizations in proportion to the number of votes submitted in amount(s) to be determined at the sole discretion of the Bank. The maximum donation amount is $10,000.

Every qualifying local charitable organization that receives at least 1% of the total votes cast will be awarded a donation.

Votes may only be submitted by active Bank customers, and only one such vote per customer is allowed.

The Bank will make charitable donations of $150,000 at the 2020 Customer Choice Awards ceremony.

Customer Choice Awards donations are not awarded to: (1) for-profit organizations; (2) individuals or individual fundraising efforts; (3) organizations outside of our local geographic footprint; (4) political fundraising or views.


Club 50 Referral Program
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.

Club 50 Trips
Don't Miss Out!

Canadian Rockies Preview Night

PREVIEW NIGHT: Tuesday, October 29th at 5:00pm
TRIP DATE: September 9th-29th 2020, 11 days/10 nights (POTENTIAL CHANGES TO BE ANNOUNCED)

*If you were unable to come to the Preview Night, please let us know if you would like a copy of the trip's itinerary*

Cranberry Bog Fall Harvest

TRIP DATE: Monday, November 4th 2019

Experience a local Massachusetts farm that floats! We're headed to A.D. Makepeace for a guided Cranberry Bog Tour. We will be visiting the Makepeace Tihonet Village Market for shopping, the Boston Tavern for lunch, and then we'll top it off with a Tour & Tasting at Plymouth Bay Winery.
At the moment, we have a few seats left! Don't forget to bring your boots for this one!
Complete form listed under the 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

Start your afternoon with a hearty meal at the historic Wayside Inn. This will keep us warm for a self-guided stroll in the Botanic Gardens at Tower Hill. 15 acres of illuminated winter scenery to explore, with fire pits, s'mores, hot cocoa, or an adult beverage! Be sure to step inside to shake off the cold and see the indoor garden conservatories and the model train village.
Complete form listed under the forms section of the newsletter.

Holiday Fun with Club 50!
Join Us for Our Annual Club 50 Holiday Parties

Invites are out, and we are ushering the Holidays in!

Join us Wednesday, December 4th or Wednesday, December 11th for a night of fine dining and classical holiday magic. Get up and dance away the cold weather!

It's never too soon to think about what to wear for this holiday soiree....

*Please mail your RSVP before Friday, November 1st 2019*

Haven't received an invite? We apologize! Please see the Holiday Invite in our "Forms" section of the newsletter.

Watertown Tree Lighting
Join WSB and Your Community!

The Town of Watertown, The Watertown Rotary Club, and Watertown Savings Bank

Invite you to join us for the annual

Tree Lighting Ceremony
in Watertown Square
Friday, December 6th 2019

Santa arrives at 5:15pm / Tree Lights come on at 5:30pm

Parking available at Watertown Savings Bank after 5:00pm

Reception to follow at
Watertown Savings Bank
60 Main Street, Watertown Square

with snacks, Santa, and more holiday fun!

Upcoming Bank Holidays
We'll be closed for the day!

We will be closed the following days in observance of this month's Holidays:

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


Thursday, November 28th 2019 for Thanksgiving Day.

Thank you! We'll see you soon!

Annuities and Retirement Planning

You may have heard that IRAs and employer-sponsored plans (e.g., 401(k)s) are the best ways to invest for retirement. That's true for many people, but what if you've maxed out your contributions to those accounts and want to save more? An annuity may be a good investment to look into.

Get the lay of the land

An annuity is a tax-deferred insurance contract. The details on how it works vary, but here's the general idea. You invest your money (either a lump sum or a series of contributions) with a life insurance company that sells annuities (the annuity issuer). The period when you are funding the annuity is known as the accumulation phase. In exchange for your investment, the annuity issuer promises to make payments to you or a named beneficiary at some point in the future. The period when you are receiving payments from the annuity is known as the distribution phase. Chances are, you'll start receiving payments after you retire.

Annuities may be subject to certain charges and expenses, including mortality charges, surrender charges, administrative fees, and other charges.

Understand your payout options

Understanding your annuity payout options is very important. Keep in mind that... (click full story to read more)

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.


Dance The Rain Away!

This month's featured photo warms the heart on a cold, rainy day.

I feel as if every activity or trip that occurred this month involved some rain. But even on our Oktoberfest trip, where the rain accompanied the cold, we were thriving! Which is why I chose this photo to be our featured one. It is always the company that keeps us warm and provides a good time.

Coming Up in the Community

If you stop into the bank, be sure to cast your vote for Customer Choice!
We will be giving out our own "I voted" stickers.

If you stopped by at the bank, you may have noticed that the employees were looking a little different....or even scary!!! Every year we have a Halloween costume contest between each department. Stop by next year to see us compete again!


Shred Day!
Shred Day was a huge success! We had our highest turn out yet!
We will be having another Shred Day in the Spring.

WSB's Annual Coat Drive

For the month of December, Watertown Savings Bank will be collecting gently used winter coats, any size, any color, any pattern! What matters is that they are going to be protecting those in need from New England's harsh winters.

Please drop off your warm winter wares at any of our locations! WSB will then deliver these coats to Anton's Cleaners in Newton to be cleaned. Finally, they will be donated to the Coats for Kids program. This program donates coats to families in need throughout Massachusetts and Southern New Hampshire. Visit for more information.

Thank you for your generosity and your holiday spirit! Together we can make the holidays happier for everyone in our communities.

Did You Know?

There is a debate about what to call a person from Massachusetts.
The formal term, in concordance with other territorial namings, is "Massachusettsan." The term has been published in the Globe as far back as 1906, according to Boston Globe writer Steve Annear.

However, residents have never accepted the formal lexicon, and the debate continues.
Globe writer Steve Annear found a small addition to the State General Laws -- the Legislature in December of 1990 approved the designation of "Bay Staters."
See here:

Do you believe there is a real term for Massachusetts residents?

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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.
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