Club 50 eNewsletter
July 2020
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Connie Braceland
Vice President
Community Relations & Club 50
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Connie's Corner
The Dog Days of Summer
According to The Old Farmer’s Almanac, the Dog Days of Summer are traditionally the 40 days beginning July 3 and ending on August 11, which coincide with the dawn rising of Sirius, the Dog Star.  This is soon after the summer solstice, which of course also indicates that the worst summer heat will soon set in.

Although our state is slowly starting to reopen, and people are venturing outside a bit more, we still need to be very careful.

We are doing great…Massachusetts is one of the few states trending in the right direction, but we are nowhere near the point where we can gather together in large groups safely.  We see what is happening elsewhere, and it reminds us to stay vigilant.

I read a recent article, “Imagine if you were born in 1900,” and it went through all the events that have occurred.


Arielle and I are here for you.  Call us or email us.  We will not be back at our desks any time soon, but are always available.

If you need to get into your safe deposit box, simply call for an appointment.  617-928-9000.

Your safety and the safety of our employees is our top priority. All of our Drive Up locations are open.

Be sure and check our website for temporary hours and any updates.

Everyone stay safe, until we can be “On The Road Again!”

In Memoriam
We are very sad to report the passing of one of our very dear friends, Mary Ryan.

Mary traveled with Club 50 on many trips, and was always a joy to be around.

She had a great sense of humor, a positive attitude, and a beautiful smile.

Her sense of adventure was limitless!   She would go anywhere, and had been almost everywhere!

Mary will be sorely missed.
More Ways to Bank with Us
New Branch Re-Openings and Availability for Appointments!

We continue to prioritize our customers' and employees' health and safety. We are implementing the mandatory safety standards as we gradually reopen our branch lobbies for branch teller services and, by appointment, other banking services.

We invite you to bank with us by:


WSB Branch Lobby and Drive-Up Window Locations

Location Hours Available Services

Main Office

60 Main Street, Watertown

Mon – Fri: 8:30 to 4:00
Saturday: 8:30 to 12:30
  • Teller services
  • Other banking services by appointment

Bigelow Branch

10 Bigelow Avenue, Watertown

Mon – Fri: 8:30 to 4:00
Saturday: 8:30 to 12:30
  • Teller services
  • Other banking services by appointment

Church Street Branch

45 Church Street, Watertown

Mon – Fri: 8:30 to 4:00
Saturday: 8:00 to 2:00
  • Drive-up window service
  • Other bank services by appointment

Warrendale Branch

739 Main Street, Watertown

Mon – Fri: 8:30 to 4:00
Saturday: 8:30 to 12:30
  • Teller services
  • Other banking services by appointment
  • Drive-up window service

Market Basket Branch

25 Market Place Drive, Waltham

Mon – Fri: 8:30 to 4:00
Saturday: 8:00 to 2:00
  • Teller services begin July 15th
  • Other banking services by appointment

Waltham Center Branch

6 Lexington Street, Waltham

Mon – Fri: 8:30 to 4:00
Saturday 8:30 to 12:30
Drive-up window service

North Waltham/Lexington Branch

1075 Waltham Street

Mon – Fri: 8:30 to 4:00
Saturday: 8:00 to 2:00
Drive-up window service

Arlington Branch

980 Massachusetts Avenue

Mon – Fri: 8:30 to 4:00
Saturday: 8:00 to 1:00
Drive-up window service
25th Anniversary Photo Contest!
Win Prizes!

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

Concerts OFF the Common!
The Waltham Arts Council Continues the Tradition

The Waltham Arts Council was sad to announce that due to COVID-19, that they would not be able to have their usual Concerts on the Common live this year...

The Council will continue the tradition by introducing their new virtual, LIVE concerts that will be streamed every Tuesday this summer from an undisclosed location in Waltham. "Concerts Off the Common" will be
broadcast LIVE at 7:00pm on WCAC, Tuesdays July 7th through August 25th.

Woods Hole [Virtual!] Film Festival 2020
from the Woods Hole Film Festival Website

The below excerpt is taken directly from the Woods Hole Film Festival Website. To read more, visit their site at


The 29th Woods Hole Film Festival will take place from Saturday, July 25th through Saturday, August 1, 2020.   The Woods Hole Film Festival is dedicated to presenting the best independent film from emerging filmmakers from around the world. The film program includes 188 films: 42 feature narratives and documentaries and 146 short drama, comedies, documentaries and animations.

Due to the pandemic, the 29th Woods Hole Film Festival will be an eight day VIRTUAL EVENT.


Dates: Saturday, July 25 – Saturday, August 1, 2020

Our goal is to create a virtual Woods Hole Film Festival that is as close as possible to an in-person Woods Hole Film Festival experience in scope and style. The Festival experience will include: Film Screenings via the WHFF Streaming Platform; Live events via video and web-conferencing, including Q&A’s with filmmakers; Workshops and Panel Discussions with the Filmmakers-In-Residence and other special guests; Special Events; Music; Coffee & Conversation; Meet the Programmers; Screenplay Winner Staged- Reading; Awards Presentation, virtual group clog dancing and more.


There are a number of options available to you to experience the Virtual Woods Hole Film Festival. If you purchase a pass, you will be able to log in to the streaming platform and watch a film at your leisure at any time during the Festival. Passes are on sale now. You will also be able to partake in the live events at their scheduled time. Links to the live events will be provided to you prior to the scheduled event time.  And, although you may watch films at any time, the Festival will post a suggested “watch” time that coordinates with the live Q&As. The other events will also take place at a scheduled time. The schedule will be posted on the website shortly. During the Festival, you will also be able to purchase a ticket to a film or event “on demand”.

Navigating the Virtual Woods Hole Film Festival
Recommendations from Bill Marx, Writer for the arts fuse

If you purchase a pass, you will be able to log into the streaming platform and watch a film at your leisure at any time. You can then access live events at their scheduled times. Links to the live talks will be provided to you prior to their scheduled times. The festival will post a suggested “watch” time — one that coordinates with the live Q&As. Other live events, such as workshops, panel discussions, conversations with filmmakers, and concerts will also take place at scheduled times. During the week prior to the festival, it will host a number of “Meet the Filmmaker” opportunities which will be free and open to festival ticket and pass holders.

A few feature films of interest to New Englanders:

Born into the Gig:  Belmont, MA native Kate Davis and David Heilbroner’s (Oscar nominees in 2017) US premiere of their music-driven documentary that follows five singer-songwriters hoping to carve out their own musical identity in the shadow of their parents’ iconic greatness.

Give or Take, Paul Riccio’s feature debut about a disillusioned New Yorker goes home to Cape Cod after his father dies to prepare the house for sale, while sharing it with his father’s temperamental live-in boyfriend (Bloodline’s Norbert Leo Butz).

Somewhere with No Bridges, Greater Boston native Charles Frank’s feature directing debut, looks at the life of a New England fishing community through the lens of a beloved, 44 year-old fisherman who went missing off the shores of Martha’s Vineyard 20 years ago. The

Island Queen, Massachusetts-shot short comedy stars former SNL cast member and Lexington native Rachel Dratch and Jesse Tyler Ferguson in a story about a teenage hockey player from an unnamed island who is secretly trying out for the figure skating team.

Entangled, Boston Globe reporter David Abel will present the world premiere of his latest documentary


There a number of places to find films these days. Most are being streamed online,  given that quarantine has put the kibosh on conventional summer events.  For cineastes, festivals and even museums have traditionally provided an opportunity to see films in advance of release or to discover those rarely selected for wide distribution. The platform Filmatique, which began three years ago, offers a distinctive and inexpensive way to find the best of contemporary global cinema.

I spoke with Filmatique’s head curator Ursula Grisham, who is in Switzerland. She explained that — unlike MUBI, Criterion, and other platforms — this service curates from over the past decade and put together a diverse monthly series of films that are organized geographically, thematically, and aesthetically. Collection topics include French Art House, Russian Teutonic, first and second features from Brazil, as well as First Films, Gay Issues, and ecologically-themed efforts. The line-ups change regularly. Licensing films for the period of a year gives filmmakers the freedom to exhibit their work elsewhere — this is not an exclusive contract  The platform’s goal is to go beyond what Grisham calls  “niche or boutique driven streaming space” to encourage audiences to become part of a deeper conversation with a range of films: “We’ve lost the ability to hold cultural objects with the same curiosity and intention with which they were made.” She reiterates the mission from Filmatique’s website: to feature “underrepresented voices and their stories — in an increasingly fractured world.”

The audience has grown much more geographically and demographical diverse than when the service began three years ago. Last week, the platform began its third American Indie Series, which is made up of movies that explore the diversity of American life, focusing on issues of gender, faith and sexual orientation. The idea is to focus on directors who are at the beginning of their careers, “who help shape those realities.” Filmatique also cultivates relationships with artists. An important part of their mission is provide editorial content, including interviews with filmmakers along with releases and essays from academics, as well as short films by directors.

Filmatique costs $4.95/month or $49.95 per year.

Some personal recommendations:

Hard to Be a God (Aleksei German), It Felt Like Love (Eliza Hittman), A Woman’s Life (Stéphane Brizé), Red Road (Andrea Arnold), Tony Manero (Pablo Larraín), Tulpan (Sergey Dvortsevoy), Barbara (Christian Petzold), How I Killed My Mother (Xavier Dolan), Trouble the Water (Carl Deal & Tia Lessen), and L’il Quinquin (Bruno DuMont).

Key Estate Planning Documents You Need

There are five estate planning documents you may need, regardless of your age, health, or wealth:

  1. Durable power of attorney
  2. Advance medical directives
  3. Will
  4. Letter of instruction
  5. Living trust

The last document, a living trust, isn't always necessary, but it's included here because it's a vital component of many estate plans.

Durable power of attorney

A durable power of attorney (DPOA) can help protect your property in the event you become physically unable or mentally incompetent to handle financial matters. If no one is ready to look after your financial affairs when you can't, your property may be wasted, abused, or lost.

A DPOA allows you to authorize someone else to act on your behalf, so he or she can do things like pay everyday expenses, collect benefits, watch over your investments, and file taxes.

There are two types of DPOAs: (1) an immediate DPOA, which is effective immediately (this may be appropriate, for example, if you face a serious operation or illness), and (2) a springing DPOA, which is not effective unless you have become incapacitated.

Caution:  A springing DPOA is not permitted in some states, so you'll want to check with an attorney.

Advance medical directives

Advance medical directives let others know what medical treatment you would want, or allows someone to make medical decisions for you, in the event you can't express your wishes yourself. If you don't have an advance medical directive, medical care providers must prolong your life using artificial means, if necessary. With today's technology, physicians can sustain you for days and weeks (if not months or even years).

There are three types of advance medical directives. Each state allows only a certain type (or types). You may find that one, two, or all three types are necessary to carry out all of your wishes for medical treatment. (Just make sure all documents are consistent.)

First, a living will allows you to approve or decline certain types of medical care, even if you will die as a result of that choice. 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." In those states that do not allow living wills, you may still want to have one to serve as evidence of your wishes.

Second, 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 or won't have.

Finally, a Do Not Resuscitate order (DNR) is a doctor's order that tells 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.


A will is often said to be the cornerstone of any estate plan. The main purpose of a will is to disburse property to heirs after your death. If you don't leave a will, disbursements will be made according to state law, which might not be what you would want.

There are two other equally important aspects of a will:

  1. You can name the person (executor) who will manage and settle your estate. If you do not name someone, the court will appoint an administrator, who might not be someone you would choose.
  2. You can name a legal guardian for minor children or dependents with special needs. If you don't appoint a guardian, the state will appoint one for you.

Keep in mind that a will is a legal document, and the courts are very reluctant to overturn any provisions within it. Therefore, it's crucial that your will be well written and articulated, and properly executed under your state's laws. It's also important to keep your will up-to-date.

Letter of instruction

A letter of instruction (also called a testamentary letter or side letter) is an informal, nonlegal document that generally accompanies your will and is used to express your personal thoughts and directions regarding what is in the will (or about other things, such as your burial wishes or where to locate other documents). This can be the most helpful document you leave for your family members and your executor.

Unlike your will, a letter of instruction remains private. Therefore, it is an opportunity to say the things you would rather not make public.

A letter of instruction is not a substitute for a will. Any directions you include in the letter are only suggestions and are not binding. The people to whom you address the letter may follow or disregard any instructions.

Living trust

A living trust (also known as a revocable or inter vivos trust) is a separate legal entity you create to own property, such as your home or investments. The trust is called a living trust because it's meant to function while you're alive. You control the property in the trust, and, whenever you wish, you can change the trust terms, transfer property in and out of the trust, or end the trust altogether.

Not everyone needs a living trust, but it can be used to accomplish various purposes. The primary function is typically to avoid probate. This is possible because property in a living trust is not included in the probate estate.

Depending on your situation and your state's laws, the probate process can be simple, easy, and inexpensive, or it can be relatively complex, resulting in delay and expense. This may be the case, for instance, if you own property in more than one state or in a foreign country, or have heirs that live overseas.

Further, probate takes time, and your property generally won't be distributed until the process is completed. A small family allowance is sometimes paid, but it may be insufficient to provide for a family's ongoing needs. Transferring property through a living trust provides for a quicker, almost immediate transfer of property to those who need it.

Probate can also interfere with the management of property like a closely held business or stock portfolio. Although your executor is responsible for managing the property until probate is completed, he or she may not have the expertise or authority to make significant management decisions, and the property may lose value. Transferring the property with a living trust can result in a smoother transition in management.

Finally, avoiding probate may be desirable if you're concerned about privacy. Probated documents (e.g., will, inventory) become a matter of public record. Generally, a trust document does not.

Caution:  Although a living trust transfers property like a will, you should still also have a will because the trust will be unable to accomplish certain things that only a will can, such as naming an executor or a guardian for minor children.

Tip:  There are other ways to avoid the probate process besides creating a living trust, such as titling property jointly.

Caution:  Living trusts do not generally minimize estate taxes or protect property from future creditors or ex-spouses.

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.

Prepared by Broadridge Advisor Solutions Copyright 2020.
Signs of Generosity Pop Up Around Watertown

Article below written for Watertown News by Charlie Breitrose.

The Watertown Community Foundation wanted to thank those who have donated to help out their neighbors during the difficult times cause by the COVID-19 pandemic, and have handed out lawn signs proclaiming “We <3 Watertown.”

WCF Executive Director Jan Singer said that residents have been very generous donating to the Foundation and the Community Resilience Fund, which was created in March to assist people impacted by the Coronavirus.

“Hundreds of people in Watertown have contributed and we have given out thousands of dollars,” Singer said. “We continue to give emergency rental assistance and to both food pantries. And we are helping to get computers where they need to be and getting (internet) hot spots the places in town they need to be.”

The funds also go to people who have been hospitalized by COVID-19 to make sure they have what they need when the return home, Singer said.

The WCF offered lawn signs to people who have donated, as well as those who have received assistance from the Foundation. They can also be requested.

“If people would like to give us a donation, that would be great, but it is not required,” Singer said. “If anyone one wants one they can email”

A 20 member task force meets weekly to discuss how to distribute the funds from the Community Resilience Fund.

One of the biggest needs is rental assistance. The Community Foundation received some money from the Massachusetts COVID-19 19 Relief Fund, and also uses money from the Community Resilience Fund.

“We are giving $1,000 — it goes directly to the landlord or management company — if someone is over $1,000 in the rears,” Singer said. “The (rent) doesn’t go away, and when all is said and done they still owe the money.”

The Foundation finds out about people and families in need from the Watertown Social Services Resource Specialist, Jenna Willis, as well as from the Metro West Collaborative Development.

The need for rental assistance could grow when the eviction moratorium ends. It is currently due to expire in mid-August, Singer said.

Food also continues to be a need for many during the pandemic. The Foundation provides money to the Watertown Food Pantry and the Catholic Coalition Food Pantry. The Foundation also hand out grocery gift cards.

Some people are reached through the Mutual Aid Network, a collaboration between the WCF and Wayside Youth & Family Support Network

“We hired Sophia (Suarez-Friedman) [to coordinate the Mutual Aid Network],” Singer said. “It is so critical to run that program, the way things are right now. We have extended her funding through the end of the year.”

The WCF is also preparing for the fall. It is not clear what the need will be then, Singer said, with the uncertainty about whether schools will reopen, and/or to what extent.

Find out more about the Watertown Community Foundation by going to

King Tut: Treasures of the Golden Pharaoh

The King Tut Exhibition, meant to be hosted by the City of Boston this summer, is still pending in terms of a rescheduled visit.

In the meantime, the exhibition has partnered with esteemed Egyptologist Dr. Chris Naunton and New Day Culture, the premiere virtual culture destination, for a new, never before released virtual tour of the London exhibition. This is an exclusive free preview of the exhibition that is currently stationed in London.

It is available to New Day Culture members as part of their free membership for a limited time. The video is about 10 minutes long, but goes into more depth about the history behind the beautiful art and culture of Ancient Egypt.

As a reminder, this is a preview to the full tour. There is an online ticketed event on Sunday, July 19th that is an hour long and goes into full depth.

If you would like to sign up for New Day Culture's free membership in order to access this free virtual tour, visit their website at Feel free to explore the website to see more free tours of art and culture around the world!

Massachusetts Lifts Ban On Reusuable Bags

By Dave Copeland, Patch Staff on
Jul 12, 2020 7:48 am ET

BOSTON — The 139 cities and towns in Massachusetts with bans on single-shopping bags can start enforcing them again after the state lifted its emergency order on reusuable shopping bags Friday.

"This is a home run -- good for the environment, for public health, for reducing waste, and for protecting both workers and shoppers," MASSPIRG Executive Director Janet Domenitz said in a statement.

The ruling from State Health Commissioner Monica Bharel also lifted an April order that reduced occupancy restrictions for grocery stores. Both orders were aimed at slowing the spread of the coronavirus.

Some business owners and groups worried that the sudden lifting of the ban on reusuable bags is not giving merchants enough time to prepare. It will be up to each of the 139 municipalities that have passed bans on single-use reusable bags to determine how to go about enforcing their local rules.

"We are concerned by the suddenness of this, preferring that there would be a grace period of at least 30 to 60 days to allow merchants to sell through at least some of their existing stock of plastic bags and time to restock paper bags, if needed," Greg Reibman, president of the Newton-Needham Regional Chamber of Commerce, said.

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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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