Club 50 eNewsletter
March 2020
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Connie Braceland
Vice President
Community Relations & Club 50
617-928-2338
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Connie's Corner

What a wonderful winter we have had!  I hope I am not jinxing it, but remember last March?

We had more snow in March last year, than all winter long!

This March looks pretty good, and of course March is one of my favorite months, not only because it means winter is almost over, but because I am Irish, and we get to celebrate St. Patrick’s Day on March 17th!  Everyone is Irish for a day!

Club 50 will be celebrating on Sunday, March 29th, when we go to see the Celtic Woman 15th Anniversary tour!  We still have spots left, and need to know by March 10th if you can join us!  Please look at the forms section of the newsletter, to reserve your space!  We’ll have a lot of Irish fun on the bus! :-)

We are a travel group, and although we enjoy all of our domestic trips, we really enjoy travelling to other countries to experience so many different cultures. We are in the process of evaluating our upcoming international trip in May, and we will be making a determination shortly. It is our intention to continue to travel to foreign countries, keeping safety concerns as our top priority.  While we may encounter speed bumps along the way, we will work hard to navigate the best, and safest route possible for all of us.  We will get through this most recent interruption, and will keep you updated on all of our decisions.

Thank you for being part of our Club 50 Family!  See you soon!

Customer Choice Awards
The Results Are In!
We are celebrating our 150th Anniversary! Our President and CEO Mr. Brett Dean has graciously doubled the donation amount to $150,000!

Now that you have cast your votes...THE RESULTS ARE IN!

However! We will not be disclosing the award amounts until the night of our Awards Ceremony on Wednesday, April 8th. We hope you are as excited as we are for the final announcement!
If you would like to see an alphabetical list of all of the local non-profits please see the Forms section of the newsletter for a non-ranked list of winners!

Thank you to all of you who voted, and helped spread the word.

More information to follow...stay tuned! Keep an eye on our website at
https://www.watertownsavings.com/ !!!
Warrendale Celebrates its 25th Birthday!
WHAT: Birthday Party!
WHERE: 739 Main Street, Watertown MA
WHEN: 8:30am-5:00pm on Friday, April 3rd 2020

Our Warrendale Branch of Watertown Savings Bank is celebrating its 25th year of being open!

On Friday, April 3rd there will be celebrations all day inside the Branch. Please stop by for some fun and festivities!

And THANK YOU for being great customers.
Upcoming Trips & Sign Ups
Don't Miss Out!

Celtic Woman Celebration: The 15th Anniversary Tour
Sunday, March 29th at the Hanover Theater in Worcester, MA
**This trip still has space, so feel free to bring multiple guests -- and please let us know by March 10th! See the forms section for a copy of the flyer.**
Be transported to Ireland during this uplifting celebration of heritage through song and dance. The fully staged Celebration tour features 4 fantastic Celtic Woman soloists, plus a booming band, pipers, drummers, and traditional step-dancers. This show is a collection of their favorite songs that have earned them Grammy nominations & Multi-Platinum status as the most successful all-female group in Irish history.

Pickity Place and Averill House Vineyard
WHEN: Tuesday, April 14th in New Hampshire
SIGN UP: March 10th, 10:00am at the Main Branch in Watertown, MA
Explore Pickity Place in its quiet, beautiful hilltop hideaway and discover a truly exquisite farm-to-table dining experience with a Five-Course luncheon served directly from the garden! Then visit Averill House Vineyard,  a family-owned winery located in the heart of the Historic Ice District of Brookline, NH. Enjoy a tour of the vineyard and a tasting that will cover a variety of style for everyone to enjoy.
See the forms section of the newsletter for a copy of the flyer and more information.
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.
Shredding Day
Spring is Right Around the Corner

Saturday, April 18th 2020
9:00am-12:00pm
@ Watertown Savings Bank
North Waltham/Lexington Branch
1075 Waltham Street, Lexington

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

If you'd like, stick around to watch your items shredded--the machines have cameras embedded within the system, so you can see your items being shredded on screen!

See you soon!

Sheepshearing Festival
at Gore Place in Waltham

Gore Place will present its annual Sheepshearing Festival on Saturday, April 25th (rain or shine!) from 10am-5pm.

"Thousands attend this event every year enjoying demonstrations of sheep shearing, watching border collies herd sheep, and shopping in one of the region’s best craft fairs.
This year, more than 70 crafts-people will offer handmade wares including a wide variety of hand-dyed wool, knitted and woven clothing, jewelry, wooden toys, stained-glass, and much more. Festival organizers have dedicated two large tents to fiber arts alone!"
To read more, please visit: https://goreplace.org/about/news/33rd-annual-sheepshearing

Facing the Possibility of Incapacity

Facing the Possibility of Incapacity

Incapacity means that you are either mentally or physically unable to take care of yourself or your day-to-day affairs. Incapacity can result from serious physical injury, mental or physical illness, advancing age, and alcohol or drug abuse.

Incapacity can strike anyone at anytime

Even with today's medical miracles, it's a real possibility that you or your spouse could become incapable of handling your own medical or financial affairs. A serious illness or accident can happen suddenly at any age. Advancing age can bring senility, Alzheimer's disease, or other ailments that affect your ability to make sound decisions about your health, or to pay your bills, write checks, make deposits, sell assets, or otherwise conduct your affairs.

Planning ahead can ensure that your wishes are carried out

Designating one or more individuals to act on your behalf can help ensure that your wishes are carried out if you become incapacitated. Otherwise, a relative or friend must ask the court to appoint a guardian for you, a public procedure that can be emotionally draining, time consuming, and expensive. An attorney can help you prepare legal documents that will give individuals you trust the authority to manage your affairs.

Managing medical decisions with a living will, durable power of attorney for health care,
or Do Not Resuscitate order


If you do not authorize someone to make medical decisions for you, medical care providers must prolong your life using artificial means, if necessary. With today's modern technology, physicians can sustain you for days and weeks (if not months or even years). If you wish to avoid this, you must have an advance medical directive. You may find that one, two, or all three types of advance medical directives are necessary to carry out all of your wishes for medical treatment (make sure all documents are consistent).

A living will allows you to approve or decline certain types of medical care, even if you will die as a result of the choice. However, in most states, living wills take effect only under certain circumstances, such as terminal injury or illness. Generally, one can be used only to decline medical treatment that "serves only to postpone the moment of death." Even in states that do not allow living wills, you might want to have one anyway to serve as evidence of your wishes.

A durable power of attorney for health care (known as a health-care proxy in some states) allows you to appoint a representative to make medical decisions for you. You decide how much power your representative will have.

A Do Not Resuscitate order (DNR) is a doctor's order that tells all other medical personnel not to perform CPR if you go into cardiac arrest. There are two types of DNRs. One is effective only while you are hospitalized. The other is used while you are outside the hospital.

Managing your property with a living trust, durable power of attorney, or joint ownership

Consider putting in place at least one of the following options to help protect your property in the event you become incapacitated.

You can transfer ownership of your property to a revocable living trust. You name yourself as trustee and retain complete control over your affairs as long as you retain capacity. If you become incapacitated, your successor trustee (the person you named to run the trust if you can't) automatically steps in and takes over the management of your property. A living trust can survive your death, but it can be expensive to maintain and administer.

A durable power of attorney (DPOA) allows you to authorize someone else to act on your behalf. There are two types of DPOAs: an immediate DPOA, which is effective immediately, and a springing DPOA, which is not effective until you have become incapacitated. A DPOA should be fairly simple and inexpensive to implement. It also ends at your death. A springing DPOA is not permitted in some states, so you'll want to check with an attorney.

Another option is to hold your property in concert with others. This arrangement may allow someone else to have immediate access to the property and to use it to meet your needs. Joint ownership is simple and inexpensive to implement. However, there are some disadvantages to the joint ownership arrangement. Some examples include (1) your co-owner has immediate access to your property, (2) you lack the ability to direct the co-owner to use the property for your benefit, (3) naming someone who is not your spouse as co-owner may trigger gift tax consequences, and (4) if you die before the other joint owner(s), your property interests will pass to the other owner(s) without regard to your own intentions, which may be different.

 

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.
NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. MAY GO DOWN IN VALUE

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Gore Place "The Memory Project"

Gore Place Memory Project Watercolor Classes
Dates: Wednesdays beginning March 4th to April 22nd (No class on Wed. March 18th)

Gore Place “The Memory Project” is a 7 week watercolor art workshop designed for older adults 55+. Bring in a few items that hold some special significance to you or remind you of special memories, and learn painting techniques as you incorporate them into a still-life painting. We'll talk about what memories your items remind you of as you paint in a comfortable social setting.

Read more about their
Speaker Series here

WSB does not sponsor these classes.
Operation American Soldier

Watertown Savings Bank is proud to support Operation American Soldier, a Watertown, MA based non-profit that sends Cheerboxes to all branches of the US Armed Forces. All donations and items go directly to our troops.

WSB will begin collections mid-April, and we will be releasing a list soon of suggested items to donate. We hope to help bring a little piece of home to U.S. troops, and to make sure every soldier walks away from mail call with something special in-hand.

More to come.

To learn more about Operation American Solider, visit their
Facebook page
More Than Words Book & Textiles Drive

Tuesday, March 10th will be the last day of our MTW drive at WSB! Thank you everyone who has donated so far -- it has been a wonderful turnout for a wonderful cause. Please see the forms section of our newsletter for a full list of what we are accepting.

Look for bins in WSB lobbies, where you can drop off books or textiles!
This is a great way to transition your closet from Winter to Spring. Or if you have a grandchild, this is a great way to donate any books they may have outgrown! Books taking over your household or bedroom? We can pass them on to a great organization.

MTW accepts:
Gently used clothing & shoes
Any and all books, CD's, DVD's, & Video Games!

Does not accept:
Encyclopedias
VHS tapes, audio cassettes, magazines/periodicals

"More Than Words (MTW) is a nonprofit social enterprise that empowers young adults who are in the foster care system, court-involved, homeless, or out of school to take charge of their lives by taking charge of a business...Graduates of More Than Words pursue education and keep employment at rates that far exceed their peers: 93% of our youth and graduates have or are on track to earn a High School Diploma or equivalent, and 83% are working. We're proud of these hard-earned accomplishments and each and every young person who works with us to take charge of their lives."

To learn more about More Than Words, please visit their website at
https://mtwyouth.org/.
Daylight Savings Begins!

Mar 8, 2020 - Daylight Saving Time Starts

When local standard time is about to reach
Sunday, March 8, 2020, 2:00:00 am clocks are turned forward 1 hour to
Sunday, March 8, 2020, 3:00:00 am local daylight time instead.

Sunrise and sunset will be about 1 hour later on Mar 8, 2020 than the day before. There will be more light in the evening.

Also called Spring Forward, Summer Time, and Daylight Savings Time.

Happy Spring!


Read more here
Scammers Follow the Headlines

The following article is not sponsored by Watertown Savings Bank. However, we believe in keeping our customers informed and aware of any new scams that could impact your financial, mental, and bodily well-being.

Federal Trade Commission: Consumer Information
February 10th, 2020
by Colleen Tressler, Consumer Education Specialist, FTC

Coronavirus: Scammers follow the Headlines

Scammers are taking advantage of fears surrounding the Coronavirus. They’re setting up websites to sell bogus products, and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information.

The emails and posts may be promoting awareness and prevention tips, and fake information about cases in your neighborhood. They also may be asking you to donate to victims, offering advice on unproven treatments, or contain malicious email attachments.

Here are some tips to help you keep the scammers at bay:

Don’t click on links from sources you don’t know. It could download a virus onto your computer or device. Make sure the anti-malware and anti-virus software on your computer is up to date.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Ignore online offers for vaccinations. If you see ads touting prevention, treatment, or cure claims for the Coronavirus, ask yourself: if there’s been a medical breakthrough, would you be hearing about it for the first time through an ad or sales pitch?
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.
  • Be alert to “investment opportunities.” The U.S. Securities and Exchange Commission (SEC) is warning people about online promotions, including on social media, claiming that the products or services of publicly-traded companies can prevent, detect, or cure coronavirus and that the stock of these companies will dramatically increase in value as a result.
For more information and for the full article, click here
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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