A PUBLICATION OF SOUTHERN HERITAGE BANK Spring 2012

A Message Club Director: Donna Cafferata

Our spring

issue is chock

full of cost

cutting tips

which in turn

can build

savings. Small

savings can go a surprisingly long

way towards helping you save for

retirement or enjoy retirement if you

are already there!

Check your credit-card statements

to eliminate automatic recurring

monthly charges for services you

no longer use. Stop using “foreign”

ATMs, which can cost up to $5

per withdrawal. Trim your heating

or cooling bills by adjusting your

thermostat 5 to 10 degrees at night

and when nobody’s home.

Make it a habit to ask store and

service providers for discounts.

Use online coupons and trim your

spending by $60 a month—less

than $2 a day—and you could

have an extra $720 a year to add

to your savings!

Enjoy our issue of Cost Cutting tips!

To get additional information, please contact Donna Cafferataat 318.619.3701 or send an email to dcafferata@shbnet.com

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It Pays to Negotiate!Negotiating on big purchases is a little more work, but it can be well worth the extra effort and savings in the long run. How do negotiating shoppers land a bargain? They come to the store prepared, they aren’t afraid to ask questions, and they know that the first price they see doesn’t always have to be the final price.

Try these negotiating tips, even if you’re an inexperienced bargainer:

• Doyourresearch. The Internet makes it easy to find the going price for

just about anything—a new dinner table, a laptop, or the latest digital camera.

Check out Shopzilla or PriceGrabber before you head to the store. If you find a

competitor’s price in a newspaper ad, bring a copy of the ad with your to the

store. Many brick-and-mortar stores will honor their company’s lower online prices

if you bring in a confirming printout.

• Alwaysask. If you’re remodeling your kitchen, ask about a volume discount

if you buy more than two appliances. Before you hand over your money, ask if

there’s an impending sale.

• Tryforabreakonextras. If the sales person insists the price can’t be

lowered, ask for a deal on extras like delivery, installations, or a warranty.

• Bringcash. If you can offer payment on the spot, the salesperson will be more

likely to cut you a deal.

• Takeyourtime. Unless you need that refrigerator today, it’s probably best to

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.

Still Writing Checks?Consider the Benefits of Paying Bills OnlineIf 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.

Believe it or not, paying bills online actually may protect you from

identity theft. The most common theft of our personal information

is not from the Internet-it’s from statements left in a mailbox or

pilfering paper with personal information from the garbage. Also,

bill-pay sites use encryption technology to scramble your data

during transmission.

Once you take the plunge, you won’t regret it. You have two main

choices: first pay most creditors at their own web sites; or use a

single website, such as Southern Heritage Bank’s Online Bill Pay

that allows you to pay all creditors. The second option makes it

easier to track your spending and it’s simple compared with book

marking various websites and remembering several user names

and passwords for all creditors.

Visit www.shbnet.com today for more information about Online

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

Date: May 8, 2012

MEETING CANCELLED THIS MONTH

Date: July 10, 2012Time: 10 am to 11:30 am

Movie Morning: Barbershop Harmony Entertainment

Join us for our Annual Ice Cream Sundae Event!

ALEXANDRIA CLUB MEETINGS5211 Jackson st. Ext.

Date: April 10, 2012Time: 10 am to 11:30 am

Topic: “Estate Planning and Medicaid Updates”

Speaker: H Gregory Walker, Jr., Attorney At Law, Estate Planning Law Center –

Walker Law Group, LLC

Date: June 12, 2012Time: 10 am to 11:30 am

Topic: “Floral Arranging Presentation”Catherine Roberts,

Owner of LaSalle Florist

Join us this month for our Annual Ice Cream Sundae Event as well!

Date: August 14, 2012Time: 10 am to 11:30 am

Event: “Safety Tips On the Roads and In Your Homes!”

Speaker: Scott Franklin, Sheriff of LaSalle Parish

JENA CLUB MEETINGS2832 E. oak

Discover and Explore Scenic IrelandOctober 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 get acquainted with the local folk in one of the many pubs or fine resturants you can enjoy for dinners.

Call 619-3701 for a detailed flyer. Deposits due in May!

DUBLINEXTENSIONAVAILABLE!

5617 Coliseum BlvdAlexandria, LA 71303 www.shbnet.com

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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.