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Club
Heritage Club
Gatherings
A PUBLICATION OF SOUTHERN HERITAGE BANK
A Message
Club Director: Donna Cafferata
Most of us have heard the
expressions: “you can’t
get there from here” and
“all roads lead to Rome.”
Well, where access to
Southern Heritage Bank’s
services are concerned,
you can get there from
many starting points: Our
mostly recently Upgraded SHB Mobile App,
SHB Online, 8 convenient ATMs including one
in the lobby of Hardtner Medical Center in
Olla right on Route 165, drive-thru tellers, and
my favorite — actually going inside a branch
office! All of which support the fact that
many, if not all of your financial “roads” lead to
Southern Heritage Bank!
Your financial institution continues to
become more accessible all the time. And
our first priority is bringing you’re the safety
and security you need and expect in your
neighborhood Bank.
Providing convenient access to the many
services available to you at Southern Heritage
Bank is but one way your Bank is responding
to your personal needs. So make sure you
check us out at www.shbnet.com, or take
it one step better and visit us for the latest
mortgage, truck, car, RV or your “vacation
money” loan needs today!
Now sit back and enjoy your summer 2014
Issue of the “Gatherings”!
ATTEND A CLUB
MEETING!
LOOK INSIDE
for
MEETING DATES
SUMMER 2014
Your Financial To-Do List
Things you should be thinking about every year.
What are your financial, business or life priorities? Your
goals? Specify them, then consider investing, saving or
budgeting methods you could use to realize them.
Think about deductions. If you’ve made a
great deal of money in a given year and have
the options of postponing a portion of the taxable
income until the following year—that may bring
some tax savings.
Can you max out your IRA contribution at the
start of the year? If you can do it, and want
to do it, do it early – the sooner you make your
contribution, the more interest those assets will
earn.
Required Minimum Distributions? Retirees over age 70 ½ must take RMDs from
traditional IRAs and 401(k)s. Make sure you’re aware of the deadlines.
Transaction? Did you (or will you) sell any real property this year? Start a Business?
Receive a bonus? Sell an investment held outside of a tax-deferred account? These
moves may have an impact on your taxes.
Charitable gifts? Remember, if you make charitable contributions this year, you may
claim the deductions on your returns. Keep track of your paperwork or canceled checks
come tax time.
Mortgage payments? Can you make a January mortgage payment in December, or make
a lump sum payment on your balance? If you have a fixed-rate mortgage, a lump sum
payment could reduce the loan amount and total interest paid.
Life changes? Did your marry or divorce? You may want to change beneficiaries in your
will and take a look at your insurance coverage. If your last name is changing, you’ll need
a new Social Security card. Are you returning from active duty? Check the status of your
credit, and the state of any tax and legal proceedings that might have been preempted by
your orders. Review the status of your employee health insurance, and revoke any power
of attorney you may have granted to another person.
Don’t delay –get it done. Talk with a qualified financial or tax professional today, so you
can focus on being healthy and wealthy from year to year. You owe it to yourself and your
family.
To get additional information, please contact Donna Cafferata
at 318.619.3701 or send an email to [email protected]
A Medical Minute.....
Important Roles of the Skin
Have you ever considered that the skin is the largest organ of
the body? The skin contributes about 10 percent of the total
body weight. For example, if a person weighs 300 pounds, his
skin alone weighs 30 pounds! The skin is a vital organ that is
constantly exposed to a changing environment as it protects the
body from a variety of assaults.
The skin has two layers. The epidermis is the thin outer layer
and the dermis is the thick inner layer. Each layer is made up of
different types of tissue with different functions. The skin is a
vital organ that is often ignored until it is injured.
The skin provides five major functions:
• Protection
• Thermoregulation
• Metabolism
• Sensation
• Communication
The skin acts as a physical barrier from all environmental
attacks including water, chemicals, ultraviolet radiation, bacteria
and viral pathogens. It prevents loss of fluids and electrolytes
to maintain a healthy balance in the body. The skin provides
a barrier between the inside of the body and the environment
to maintain body temperature. The body regulates core body
temperature through blood circulation and sweating. It is
the site of synthesis of vitamin D from UVB rays. The skin is
sensitive to touch, pain, pressure heat and cold. So take some
time to protect this important organ in your life and guard it
like those favorite shoes or that classic car in the garage you
have to polish almost every night!
Crossroads of Sicily
March 13-22, 2015
Cost Per Person: $3,899(double ocpy)
Highlights include: Palermo, Monreale, Cefalu, Farm
Visit, Agrigento, Catania, Siracusa, Taormina
Join us for this 10 days, 13 meals adventure. Included in Price: Round
Trip Air from Alexandria International Airport, Air Taxes
and Fees/Surcharges and Hotel Transfers. Cancellation
BOOK NOW
Insurance of $260 per person not included. Start
AND SAVE
your adventure in Palermo, Sicily’s vibrant and
welcoming capital. View impressive collections
of Greek and Roman antiquities rivaling those in
Per Person
Athens in Siracusa.
$250
A powerpoint presentation is available from Collette
Vacations - just call!
WITH DEPOSIT MADE BY
SEPT. 14th
Activity Calendar
Stay In-The-Know With Heritage Club’s Activity Calendar
JENA CLUB MEETINGS - 2832 E. OAK
Date: August 12, 2014
Time: 10 am to 11:30 am
“Coronary Artery Disease and
CAD Blood Testing”
Speaker: Christy Petty, RN &
Genomic Specialist At
Cardio DX
Bring Medicare Card….testing is
covered. No Fasting Required!
Date: October 14, 2014
Time: 10 am to 11:30 am
“Medicare Updates”
Speaker: Jamie Jones, Senior
Counselor Cenla Council on Aging
Join us for our Annual Homemade
Chili Lunch!
Date: December 9, 2014
Time: 10 am to 11:30 am
“Preventing A Life of Depression”
Speaker: Chad Long, RN &
Director of Community Education
at Hardtner Medical Center
Our Christmas Party will follow
with treats and sweets for all!
Bring your favorite cookie recipes
to share with the group!
ALEXANDRIA CLUB MEETINGS - 5211 JACKSON ST. EXT.
Date: September 9, 2014
Time: 10 am to 11:30 am
“Coronary Artery Disease and CAD Blood Testing”
Speaker: Christy Petty, RN & Genomic
Specialist At Cardio Dx
Bring Medicare Card….testing is covered.
No Fasting Required!
Moose and Lobster Safari!
Experience Maine
September 18 – 27, 2014
Cost Per Person: $2,948 (double ocpy)
Highlights Include Bumpus
Mine, Moose Safari in
Grafton Notch State Park,
Lobster Safari, Permaquid
Lighthouse, Coastal Maine
Botancial Gardens, paddle
on the Androscoggin River,
Acadia National Park and Carriage Ride, Washburn Living History
Museum, Puffin Nature Cruise and more. Packaged by Trips, Inc.
Price includes Round Trip Air from Alexandria Intl Airport, Air
Taxes and Fees/Surcharges, Hotel Transfers. Cancellation Insurance
is $193 a per person double and $257 a person single occupancy.
Call 619-3701 for a detailed flyer today.
Date: November 11, 2014
Time: 10 am to 11:30 am
A Veterans Day Program!
Vane Scott’s “Many Faces of Old Glory! II”
Join us for an early lunch. Fall just isn’t complete
without some of Donna’s homemade chili!
Christmas With The Mormon
Tabernacle Choir!
December 8 – 12, 2015
Cost Per Person: $2,098 (double ocpy)
Highlights Include Natural
History Museum of
Utah, performance of A
Christmas Carol at the Hale
Center Theater, Utah Ski
and 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.
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.
Call 619-3701 for a detailed flyer today.
Southern
Heritage
Bank
5617 Coliseum Blvd.
Alexandria, LA 71303
www.shbnet.com
VA Lending.
The VA Loan is now the #1 CHOICE
for veterans & active duty military.
Low Payments - Great interest rates and no private mortgage insurance
Exclusive - Only available to veterans and military families
Easy to Qualify - Considers the unique circumstances
of veteran and military families
Zero Down - The only home loan program that allows
borrowers to finance with no money down and no monthly private
mortgage insurance premium
NMLS # 607510
Johnny Snow - (318) 443-2799
5211 Jackson Street Ext. | Alexandria
Mortgage loans are subject to qualification, credit review and approval, receipt of satisfactory appraisal and verification of income,
assets, and debt information provided by the customer. Information is subject to change without notices. This is not an extension of
credit or a commitment to lend.