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

Dear Club 50 Members,

I hope everyone is continuing to stay safe and healthy.

As you may have heard or guessed, we have decided to officially cancel all of our trips through the end of this year.

It is still not safe for us to all be together, so we must stay connected through whatever media outlet is comfortable for you.  Email, website, telephone, or the good old fashioned US Post Office!

The branches will start to reopen very slowly.  Club 50 may not be back at our desks right away, but we are still here for you, working remotely from home.

Arielle is looking into some virtual tours, so please check our website,
www.watertownsavings.com, for links to them.  If there is a specific place you would like us to show, please let us know, and we will do our best.

In the meantime, enjoy the nice weather…get outside for a walk if you can, or just sit outside.  Being in the sun, and listening to the sounds of the birds, and hearing the wind, always makes me feel peaceful.

Go through your old photos, and send one in to us!   Maybe we should do a “Quarantine Cookbook!”  I bet many of you are doing a lot of cooking these past months!  Send us your favorite recipe!

Whatever you do, please keep in touch and know that we want to be travelling with you again.

If there is something you need, please let us know.  I still have disposable masks available, but you must contact me for them.

I will close each newsletter with our theme song (just keep singing it)…

“On The Road Again”

Be well my friends,
Connie

A Note to Our Members
Dear Club 50 Members,

We’ve missed you! As we move forward during these unprecedented times, we want to assure you that your health and safety are our top priority. We would like to take this opportunity to share a few updates with you. 

Club 50 Trips
Based on the CDC guidelines related to COVID-19, we had to make the difficult decision to cancel all Club 50 trips through the end of 2020. We will keep you informed of any additional changes. We apologize for any inconvenience and thank you for your understanding. We certainly miss traveling with you.

Virtual Experiences
Join us on virtual experiences from the comfort of your home. Stay tuned for upcoming Club 50 emails with more information on how to participate.

Stay Connected
To receive the latest updates from Club 50, please make sure we have your email address on file (please note: by sharing your email address you agree to opt-in to receive emails from Club 50). 
We also encourage you to participate in our 25th Anniversary Photo Contest (see attached flyer). It is a great opportunity to walk down memory lane and take a look at your Club 50 photos. Please share the most memorable one and tell us why it is special to you.

Banking at Watertown Savings Bank
We continue to encourage our customers to manage their accounts by using WSB Online banking and/or the WSB Mobile Banking app, visiting our drive-up locations, or calling Customer Support at 617-928-9000. 
As we gradually start to reopen our branch lobbies, we want to assure our customers that we are taking precautionary safety measures to make them feel confident and comfortable in banking with us. 

We realize this is a challenging time for many. We care about our Club 50 community and we are here for you. We invite you to stay in contact with us. If you have any questions, please do not hesitate to contact me at cbraceland@watertownsavings.com and 617-928-2338 or Arielle Goldhaber at agoldhaber@watertownsavings.com and 617-928-2337.

Sincerely,
Connie Braceland
VP Club 50 & Community Relations
Headed South!
The Best Wishes for Kelly Cronin
Kelly Cronin is getting married and moving to Florida.
We will miss Kelly so very much, but wish her as much joy and happiness that we can!
She deserves the best, because she is the best!
Good luck Kelly, and please stay in touch!

From all of your friends in Club 50
2020 Advisory Board Members Announced!

NEW -  Regina Pacitti, Ann Samarjian, & Deborah Whitehead & Timothy Braceland
RETURNING – Jim Lauria & Sal Tulipano.
(Connie had to bribe her husband to be on the Board until we find a willing Club 50 Male!)
25th Anniversary Photo Contest!
Help Club 50 Celebrate our 25th Anniversary!

Club 50 is turning 25 this year!

We invite all Club 50 members to celebrate our milestone anniversary by participating in our 25th Anniversary Photo Contest. 
Share your favorite photo you captured during a Club 50 trip and tell us why it is special to you. Please visit our forms section of the newsletter for more information on how to submit a photo and participate!

Although we cannot be together at the moment, we are hoping to share stories and photos that connect us. We are so excited to be celebrating this milestone with you, all of you who have made our days together so much fun!

Currently we are researching ways to connect and continue to experience new things, virtually! This contest will hopefully be one of many new things to come for Club 50.

If you have any ideas or you have a destination you want to see virtually, please let us know!

We look forward to hearing from you.

All the best,

Arielle and Connie
Watertown Farmers' Market to Return June 17th
Following Social Distancing Guidelines
Watertown Farmers' Market

By Charlie Breitrose of Watertown News | June 4th, 2020


The Watertown Farmers Market will return on June 17, and be back every Wednesday. Due to COVID-19, visitors will notice some changes. The market will institute measures to allow for social distancing, and there will be a one-way flow for shoppers. The focus, at least at the beginning of the season, will be on the vendors.
“While we have eliminated music, special events, and community groups for the time being, you can still expect to find locally grown and produced foods in our pleasurable, outdoor market space,” the announcement said.

See the announcement from the Watertown Farmers Market below:

Watertown Farmers’ Market
Wednesdays 2:30 – 6:30 pm

June 17 – October 14
Rain or Shine
Saltonstall Park

Corner of Main St. & Whites Ave.
(next to Town Hall, 149 Main Street)

Mark Your Calendars:
Opening Day Wednesday, June 17
2:30 – 6:30 PM

The Watertown Farmers’ Market staff have been busy planning for Opening Day Wednesday, June 17, working with state and local officials to design the best and safest market possible, during COVID-19. A number of mandated changes will be implemented, as our top priority is the health and safety of our customers, vendors, market staff, and volunteers.

The Watertown Farmers’ Market will be opening as an essential food access point with a new market layout providing social distancing, monitored entrance and exits, and one way shopping (measures we are all familiar with by now). While we have eliminated music, special events, and community groups for the time being, you can still expect to find locally grown and produced foods in our pleasurable, outdoor market space.

We’ll be sharing details very soon about our vendor line-up, how to prepare before you come, and what to expect when you arrive. We look forward to seeing you on Wednesday’s at the market!

We Need Your Help:
Volunteer at the market on Wednesday Afternoons

Volunteering at the market is a great way to support your community. This year more than ever, we need volunteers to help us out on Wednesday afternoons to direct market shoppers through the new layout and safety regulations. Volunteers are needed to help with set-up, monitor entrance and exits, direct market traffic, monitor safety measures and more.

All volunteers will practice physical distancing and be provided with proper PPE. An on-site orientation session will be held prior to opening.

If you are interested in volunteering, please email watertownmarket@gmail.com for more information.

The Watertown Farmers’ Market Accepts SNAP, HIP, and Farmers Market Coupons including WIC & Senior FMNP
Double Your SNAP Dollars

The Watertown Farmers’ Market accepts SNAP. Swipe your EBT card at themarketmanager’s tent to receive a dollar-to-dollar match, up to $15/week.

Healthy Incentives Program (HIP) Update
Purchase fruits and vegetables using your EBT card from authorized HIP farmers and the amount of sale will be automatically reimbursed, it’s an instant rebate. Monthly maximums apply. More information can be found at mass.gov or the market’s HIP Q&A Guide.

For SNAP shoppers unable to make it themarket, the following online farmers markets are able to honor SNAP and HIP when you order online, and then pay with your EBT card at pick up.

MassFoodDelivery
(Currently services all of MA besides South Central & Cape Cod)

VeggieGo
(Select Delivery Locations)

Thank You Watertown Farmers’ Market Supporters!

We are deeply grateful to the Marshall Home Fund and the Watertown Community Foundation for their ongoing support of this market and our community. During the current crisis, food insecurity is a growing concern. There are many in our community who are in need of healthy and nutritious food.

The Marshall Home Fund has provided funding for the Watertown Farmers’ Market SNAP Match and Volunteer Program to help older residents access healthy food.

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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We Are Slowly & Safely Re-Opening!
Things are Looking a Little Different! But our Positivity Remains Strong! :)

Re-Opening of WSB Main Office and Bigelow Branch Teller Services

Our customers’ and employees’ health remains our top priority as we gradually reopen our branch teller services.
Starting on Monday, June 15th, the WSB Main Office (60 Main Street, Watertown) and our Bigelow Branch (10 Bigelow Avenue, Watertown) will be open for Teller services and by appointment for other banking services. Drive-up services remain open at 6 other WSB locations.

Branch Teller Services Hours:  Monday thru Friday: 8:30am to 4:00pm and Saturday: 8:30am to 12:30pm.

As our state and towns announce the mandatory safety standards, we would like to share an update on the steps we are taking to ensure you feel safe and comfortable when banking with us. Updates to our branch lobbies include:

-Requiring employees and customers to wear face masks
-Placing floor signage to help customers practice 6 feet social distancing
-Limiting the number of individuals in the branch lobbies
-Increasing daily cleaning and sanitization
-Installing glass shields at the teller windows
-Requiring any employee that exhibits COVID-19 symptoms to not report to work

We want to assure you that we will only re-open our branch teller services when we have confidence that we can ensure the safety and wellbeing of our customers and employees. We expect other lobby locations to open soon, upon completion of the installation of glass shields.

We encourage you to continue to bank with us by visiting our drive-up locations, calling Customer Support (617-928-9000), and by using WSB Online or the WSB Mobile Banking app on your smartphone.

Thank you for your continued loyalty, understanding and support.

Stay well,
Brett Dean

While many of us are still working from home, we are slowly reopening more services to the public! We are being very meticulous in the way we are beginning to return to a "new normal."

As for Club 50, Arielle and Connie will continue working from home. You may see that our usual desk area is being used to make social distancing more possible in the Main Office.

We will continue to use masks and gloves as appropriate -- but do not worry, we are still smiling beneath the face covering! :)

News Scams targeting Retired and Elderly
Watertown Savings Bank Financial Education and Protection

Safeguarding your personal and financial information is crucial to preventing fraud. We would like to make you aware of new scams—some related to COVID-19—that have recently affected our communities. The scammers have targeted the elderly, those applying for and receiving unemployment benefits, those seeking information on the coronavirus, and others.


Elderly Scams:

A scammer calls elderly residents claiming to be their grandchild or their grandchild’s lawyer; they proceed to tell fake stories to ask for money (e.g. the scammer claims the grandchild is in jail and needs bail money).
Be mindful of the information you share on social media about your family and whereabouts.
Always be wary of urgent requests for money made over the phone, by email, in person, or on social media.

Unemployment Scams:

Bogus unemployment claims have been filed with stolen personal information.
Do not respond to requests to open a new bank account to receive money for people you do not know.
Only use your own account number and the bank’s routing number to set up a direct deposit of your unemployment benefits (your unemployment benefits should never go to another person’s bank account).
Do not respond to texts, emails, or calls about checks from the government. The IRS will not contact you to request your personal information or to assist you in applying for any benefits.

COVID-19 Scams:

There are many bogus claims of treatment, fake charities, undelivered goods, fake emails, texts, and phishing, and more.
Ignore online offers for vaccinations or coronavirus treatments. There are no products proven to treat or prevent COVID-19 at this time.
Be wary of ads for test kits. Most test kits being advertised have not been approved by the FDA and aren’t necessarily accurate.
Watch for emails claiming to be from the CDC or WHO. Be mindful of spelling errors in the email addresses and text, and do not click on any tempting links.
Hang up on robocalls. Scammers are using illegal robocalls to pitch everything from low-priced health insurance to work-at-home schemes.
Research the charities you would like to make a donation to. Never donate in cash, by gift card, or by wiring money.

Please be vigilant about sharing your personal information. For more information on how to protect yourself against fraud--learn more about fraud and scams in our Financial Protection section of our website. Go to watertownsavings.com, go to Learning, then Financial Protection under the Financial Education header.

Poll Workers Needed

Give back to your community by becoming a poll worker on Election Day!

The Town of Watertown and the Town of Waltham is looking for dependable individuals to serve as poll workers.

Watertown: For more information, see the attached flyer located under our forms section.

Waltham: If anyone is interested please contact Molly MacKenzie in the City Clerk’s office.
781-314-3129 / Mmackenzie@city.waltham.ma.us

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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