ERIT H AG RN E E B H A Heritage Club T N U K ’ O S S Club Gatherings A PUBLICATION OF SOUTHERN HERITAGE BANK Spring 2012 A Message It Pays to Negotiate! Club Director: Donna Cafferata Our spring Negotiating on big purchases is a little issue is chock more work, but it can be well worth the full of cost extra effort and savings in the long run. cutting tips How do negotiating shoppers land which in turn a bargain? They come to the store can build savings. Small prepared, they aren’t afraid to ask savings can go a surprisingly long questions, and they know that the first way towards helping you save for price they see doesn’t always have to retirement or enjoy retirement if you be the final price. are already there! Try these negotiating tips, even if you’re an inexperienced bargainer: Check your credit-card statements to eliminate automatic recurring monthly charges for services you • Do your research. The Internet makes it easy to find the going price for no longer use. Stop using “foreign” just about anything—a new dinner table, a laptop, or the latest digital camera. ATMs, which can cost up to $5 Check out Shopzilla or PriceGrabber before you head to the store. If you find a per withdrawal. Trim your heating competitor’s price in a newspaper ad, bring a copy of the ad with your to the or cooling bills by adjusting your store. Many brick-and-mortar stores will honor their company’s lower online prices thermostat 5 to 10 degrees at night and when nobody’s home. if you bring in a confirming printout. • Always ask. If you’re remodeling your kitchen, ask about a volume discount Make it a habit to ask store and if you buy more than two appliances. Before you hand over your money, ask if service providers for discounts. there’s an impending sale. Use online coupons and trim your If the sales person insists the price can’t be spending by $60 a month—less • Try for a break on extras. than $2 a day—and you could lowered, ask for a deal on extras like delivery, installations, or a warranty. have an extra $720 a year to add • Bring cash. If you can offer payment on the spot, the salesperson will be more to your savings! likely to cut you a deal. • Take your time. Unless you need that refrigerator today, it’s probably best to Enjoy our issue of Cost Cutting tips! return to the store more than once. You don’t have to be in a hurry to make a big purchase; a good sales person will understand that and will want to be there when you’re ready to close the deal. ATTEND A CLUB To get additional information, please contact Donna Cafferata MEETING! at 318.619.3701 or send an email to [email protected] Still Writing Checks? Consider the Benefits of Paying Bills Online If paying bills online is convenient, fast, saves money, and allows greater control, why do so many of us still write checks the old- fashioned way? Given all the benefits of online bill-pay, it’s a mystery why more people don’t take advantage of the service. Perhaps it’s because we don’t like change, we don’t like the thought of setting up all the accounts, or we’re worried about sending payment data over the internet. choices: first pay most creditors at their own web sites; or use a Believe it or not, paying bills online actually may protect you from single website, such as Southern Heritage Bank’s Online Bill Pay identity theft. The most common theft of our personal information that allows you to pay all creditors. The second option makes it is not from the Internet-it’s from statements left in a mailbox or easier to track your spending and it’s simple compared with book pilfering paper with personal information from the garbage. Also, marking various websites and remembering several user names bill-pay sites use encryption technology to scramble your data and passwords for all creditors. during transmission. Visit www.shbnet.com today for more information about Online Once you take the plunge, you won’t regret it. You have two main Bill Pay. New York! Rescheduled to Depart in June! Highlights Include: Two Broadway shows, Greenwich Village, Wall Street, Ground Zero, Metropolitan Museum of Art, Statue of Liberty and Ellis Island June 14 - 18, 2012 Cost Per Person: $2,549.00 (double ocpy) Why don’t you join us for a long weekend in the Big Apple! Start spreading the news, because you will be arriving in America’s most exciting metropolis for a getaway filled with shopping, sightseeing, endless entertainment, and a single hotel stay in the heart of the city. Attend not only “one” but “two” Broadway Hits during your stay with plenty of time to admire some thought-provoking exhibits and vital collections at the world- renowned Metropolitan Museum of Art. Make a memorable visit to Ground Zero, these are just a few treats to this city that never sleeps adventure! 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: April 10, 2012 Date: June 12, 2012 Date: August 14, 2012 Time: 10 am to 11:30 am Time: 10 am to 11:30 am Time: 10 am to 11:30 am Topic: “Estate Planning and Medicaid Topic: “Floral Arranging Presentation” Event: “Safety Tips On the Roads and In Updates” Catherine Roberts, Your Homes!” Speaker: H Gregory Walker, Jr., Attorney Owner of LaSalle Florist Speaker: Scott Franklin, Sheriff of At Law, Estate Planning Law Center – LaSalle Parish Walker Law Group, LLC Join us this month for our Annual Ice Cream Sundae Event as well! ALEXANDRIA CLUB MEETINGS 5211 JACKSON ST. EXT. Date: May 8, 2012 Date: July 10, 2012 Time: 10 am to 11:30 am MEETING CANCELLED Movie Morning: Barbershop Harmony Entertainment THIS MONTH Join us for our Annual Ice Cream Sundae Event! Discover and Explore Scenic Ireland October 22, 2012! Round Trip scheduled airfare, personal airport VIP greeting, hotel luggage handling, 6 nights at the Adare Villas on the property of Adare Manor, breakfast daily, Cliffs of Moher, Rock of Cashel, Kilkenny Castle, Bunratty Folk Park, Excursion to Dingle Peninsula, Excursion to Galway Cost Per Person: $2,199.00 (double ocpy) Gather your friends and family for a relaxing Irish vacation in Adare, Co. Limerick. We will enjoy five star resort villa living for 6 nights in the heart of this 840 acre estate with a 15 minute walk from the Manor’s Castle. Each villa has two, three or four bedrooms with private bathrooms, a fully equipped kitchen with an American style fridge. A short walk to the town of Adare allows you to visit a very special place with its woodland setting, beautiful stonework, picturesque thatched cottages and fine broad Main Street. Explore the antique and clothing boutiques and DUBLIN get acquainted with the local folk in one of the many pubs or fine EXTENSION resturants you can enjoy for dinners. AVAILABLE! Call 619-3701 for a detailed flyer. Deposits due in May! Southern Heritage Bank 5617 Coliseum Blvd Alexandria, LA 71303 www.shbnet.com Stay Connected with Your Heritage Club Gatherings Newsletter Encounter Niagara and the Falls: One Wonder After Another! August 5-10, 2012! Cost Per Person: $2,348.00 (double ocpy) While the Falls themselves are the indisputable draw of this corner of the world, you’ll be amazed to discover the weath of wonders that await! Buffalo was the quintessential 19th Century boomtown and you’ll experience why! From the Erie Canal to Delaware Avenue, you’ll learn how the fortunes of this region made Buffalo the wealthiest region in the US with more millionaries per capital than any city in America! Highlights include Niagara Falls, Herschell Carousel Museum, Murphy Orchards, Erie Canal, Darwin Martin House Complex, Delaware Avenue, Millionaire’s Row, Anchor Bar home of the “Buffalo Wing”, Cave of the Winds, Maid of the Mist boat ride, Old Fort Niagara, Casa Loma and St. Larwence Markets as well as Toronto Harbour in Toronto, Canada. Enjoy dinner atop the CN Tower and while in Canada experience Niagara-on-the-Lake and ride the Whirlpool Aero Car and dinner atop the Skylon Tower! Enjoy five nights hotel accommodations at the 4-star Seneca Niagrar Casino & Hotel. One wonder after another so call today to reserve your space and gather more details! Call 619-3701 for a detailed flyer..