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HERITAGE
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Club
Heritage Club
Gatherings
A PUBLICATION OF SOUTHERN HERITAGE BANK
A Message
Club Director: Donna Cafferata
Tax season
has come to a
close. Many
people received
a refund while
others had to
pay additional
taxes.
Resolve to reduce stress and begin
the summer of 2015 by getting
your household budget on the
right track. Create an emergency
fund at the bank with that refund
to maintain your household budget
in the event of loss of income. This
can include depositing money into
a yearly expense fund for those
large unanticipated bills you may
encounter during the year.
If you had hopes of paying off high
interest credit card debt this spring
or if you planned major repair work
around the house, consider an SHB
Home Equity Loan (HELOC). This
revolving line of credit can replace
the refund you expected but did not
receive. See an SHB Mortgage Lender
to get additional information about a
HELOC.
We’ll be with you each step of the way!
Expecting the Unexpected:
Preparing Financially for a Disability or Death
No one wants to think about it, but everyone needs to plan for the
possibility that they may suddenly become disabled or die. Taking
a few steps now can make it much easier for your loved ones to
manage your financial affairs when you can’t. Here are a few tips to
get started.
Build a rainy day fund. Savings can help you and your family
get through difficult times. Financial experts generally recommend
that you set aside at least three to six months of living expenses
to get through a difficult period without having to take out a loan or
borrow from retirement savings.
Keep a list of your financial accounts and personal
documents in one secure place. Ensuring that a loved
one responsible for your affairs can easily find a list of your deposit
accounts, investments, loans and other assets or obligations will
save them time and avoid risks of unnecessary expenses (such as fees associated with certain old, “dormant”
accounts). Other paper records that your heirs may need to know where to find include wills, home titles, car
titles, bonds and certificates of deposit. But this list can also be valuable to a criminal, so keep it in a secure
place that only you and selected others have access to.
Consider the pros and cons of consolidating accounts. Think about how many savings,
checking, investment and credit card accounts you have. Then ask yourself if combining multiple accounts
could make it easier for your loved ones to identify, monitor and manage those accounts on your behalf.
Consult with an attorney about legal documents to create or update. One example may
be an advance directive that will specify your wishes for medical care if you are terminally ill. Others may
include a will and/or a trust to guide the distribution of your property after your death, and a “power of attorney”
authorizing someone else to handle transactions and make decisions on your behalf if you become mentally or
physically incapacitated.
Carefully evaluate who you hire to help you. You may want to talk to a financial advisor for
help, such as in deciding whether to consolidate accounts or sell investments. Before choosing an advisor,
understand what training he or she has had and any record of complaints.
Determine if you have adequate insurance. Consider discussing with an insurance agent or a
financial planner whether you have adequate life and disability insurance, and evaluate the pros and cons of
long-term care insurance. Your needs will depend on factors such as whether you have dependents and any
property that you would like to pass to an heir but is serving as collateral for a debt.
Take steps to make it easier for your heirs to access your valuables. Start by confirming
ATTEND A CLUB
MEETING!
SPRING 2015
that the beneficiaries or co-owners you want on accounts are named in the records. For example, having joint
accounts with your spouse or another loved one can make it easier for him or her to access the account if you
become disabled or die, but you are giving this person equal rights to the money in that account. You can also
set up payable-on-death (POD) accounts at a bank that would insure that the people you name would have
access to the money after you (or any other co-owners) die.
To learn more about preparing your finances for a serious life event, start at www.mymoney.gov.
Walking: RX for Health and Happiness
For A Healthier, Happier
Lifestyle, Try Walking!
For those with a long history of inactivity, problems with
obesity, or who just don’t like strenuous activity, walking is
an excellent way to begin an exercise program. You can start
slowly, then increase your speed and maintain a steady pace.
A good conditioning program begins with moderation and
dedication.
Podiatric and family physicians recommend walking to ease or
ward off a number of physically related ills. Walking can help
you:
•
•
•
•
•
Strengthen your heart and lungs, and improve circulation.
Prevent heart attacks and strokes.
Reduce obesity and high blood pressure.
Boost your metabolic rate.
Favorably alter your cholesterol.
• Improve muscle tone in your legs and abdomen.
• Reduce Stress and tension.
• Reduce arthritis pain; stop bone tissue decay.
You should, however, consult your family or podiatric physician
before you begin a walking regimen.
Hidden Treasures of
New York State
Finger Lakes * 1000 Islands * Lake Placid
August 27 – Sept 2, 2016
Cost Per Person: $2,898.00 (double ocpy)
Highlights Include Glenn Curtis Museum, The Antique Boat
Museum, Adirondack Museum, Great Camp Sagamore, Lake
Placid tour, Olympic Jumping Complex, Belhurst Castle, Dinner
at the New York State Culinary and Wine Center including a
tasting of five wines. A dinner cruise on Raquette Lake and a lunch
cruise on the St. Lawrence River. Visit Hammondsport, N.Y., Boldt
Castle, Adirondack Park and Candaigua Lake. So join us as we
travel the world! Packaged by Trips, Inc.
Price includes Round Trip Air from Alexandria Intl Airport, Air Taxes and Fees/
Surcharges, Hotel Transfers. Cancellation Insurance of $193 double occupancy and $257
per person single and not included. Call 619-3701 for a detailed flyer today.
Activity Calendar
Stay In-The-Know With Heritage Club’s Activity Calendar
JENA CLUB MEETINGS - 2832 E. OAK
Date: June 9, 2015
Time: 10 am to 11:30 am
“Poison Control and Emergency
Preparedness Presentation”
Speaker: Ronald Goudeau with the
Department of Public Health
Date: August 11, 2015
Time: 10 am to 11:30 am
“Falling Prevention Measures”
Annual Ice Cream Sundaes Social!
Date: October 13, 2015
Time: 10 am to 11:30 am
“5 Wishes”
Honoring National Hospice Month
in November
Presenter: Michelle Chevallier, Social
Worker at Compassionate Care Hospice
ALEXANDRIA CLUB MEETINGS - 5211 JACKSON ST. EXT.
Date: May 12, 2015
Time: 10 am to 11:30 am
“Get Organized!”
Speaker: Julie Taylor, Professional
Organizer at “The Organizing Fairy”
Date: July 14, 2015
Time: 10 am to 11:30 am
“Falling Prevention Measures”
Speaker: Tami Blackwell, RN &
Director of Marketing for Lagniappe
Homecare
Annual Ice Cream Sundaes Social!
Christmas With The Mormon
Tabernacle Choir!
December 8 – 12, 2015
Cost Per Person:
$2,098.00
(double ocpy)
Highlights Include Natural
History Museum of Utah,
performance of A Christmas
WAITING
Carol at the Hale Center
LIST!
Theater, Utah Ski and
CALL FOR
DETAILS
Olympic Museum, a sleigh ride with a team
of Clydesdales, The Mormon Tabernacle Choir
Christmas Concert, City tour of Salt Lake City,
a farewell dinner at Brigham Young’s The Lion House in Salt Lake
City and much more. Packaged by Trips, Inc.
Date: September 8, 2015
Time: 10 am to 11:30 am
“Emergency Preparedness
Presentation”
Speaker: Ronald Goudeau with the
Department of Public Health
Grand Hotels of the Blue
Ridge and Shenandoah Valley
2016 Departure Date-Pending at Time of Publication
Cost Per Person:
$3,198.00 (double
ocpy)
Featuring the Inn on
Biltmore Estate, The
Homestead Resort and
The Greenbrier Resort
Price includes Round Trip Air from Alexandria Intl Airport, Air
Taxes and Fees/Surcharges, Hotel Transfers. Cancellation Insurance
is $193 a person and not included.
Join us as we enjoy spring in
the Blue Ridge Mountains,
staying in historic Inns and
visiting some of America’s
most iconic homes. Enjoy a
three night stay at the Inn on
Biltmore Estate and two nights at The Homestead Resort. Tour
Carl Sandburg’s home, the Biltmore Estate and Thomas Jefferson’s
beloved Monticello. Packaged by Trips, Inc.
Call 619-3701 for a detailed flyer today.
Call 619-3701 for a detailed flyer today.
Southern
Heritage
Bank
5617 Coliseum Blvd.
Alexandria, LA 71303
www.shbnet.com
Home Repairs
Vacation
Bill Consolidation
With a Home Equity Loan
Anything’s Possible!
9 Convenient Locations to Serve You!
shbnet.com
Alexandria Hwy 28 West - Alexandria Jackson St. - Ball - Harrisonburg - Jena - Jonesville - Olla - Pineville - Tullos