It Pays to Negotiate! - Southern Heritage Bank

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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
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
Spring 2012
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.
are already there!
Check your credit-card statements
to eliminate automatic recurring
monthly charges for services you
Try these negotiating tips, even if you’re an inexperienced bargainer:
• 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
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!
store. Many brick-and-mortar stores will honor their company’s lower online prices
if you bring in a confirming printout.
• Always ask. 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.
• Try for a break on extras. If the sales person insists the price can’t be
lowered, ask for a deal on extras like delivery, installations, or a warranty.
• Bring cash. If you can offer payment on the spot, the salesperson will be more
likely to cut you a deal.
• Take your time. 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
ATTEND A CLUB
MEETING!
when you’re ready to close the deal.
To get additional information, please contact Donna Cafferata
at 318.619.3701 or send an email to dcafferata@shbnet.com
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 oldfashioned 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 worldrenowned 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
Time: 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, 2012
Time: 10 am to 11:30 am
Topic: “Floral Arranging Presentation”
Catherine Roberts,
Owner of LaSalle Florist
Date: August 14, 2012
Time: 10 am to 11:30 am
Event: “Safety Tips On the Roads and In
Your Homes!”
Speaker: Scott Franklin, Sheriff of
LaSalle Parish
Join us this month for our Annual Ice
Cream Sundae Event as well!
ALEXANDRIA CLUB MEETINGS
5211 Jackson St. Ext.
Date: May 8, 2012
MEETING CANCELLED
THIS MONTH
Date: July 10, 2012
Time: 10 am to 11:30 am
Movie Morning: Barbershop Harmony Entertainment
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
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!
DUBLIN
EXTENSION
AVAILABLE!
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.