A Message Club Director: Donna Cafferata

The Heritage

Club was

specially

developed four

years ago to fit

the lifestyles of

our customers

age 50 and over. The Club offers a

wide range of services and activities

that are designed to enrich your life.

We hope you will find our newsletters

informative on financial information,

travel opportunities and hints for

maintaining your overall well being.

Many have asked if they can bring

guests to Club events, and of course,

my answer is “YES” to the guests!

As a customer of Southern Heritage

Bank you automatically become a

member. No annual fees and no

registration forms to fill out. This is

your “Club” so go ahead and start

making some new memories. We’ll be

with you each step of the way!

Join us for some fun and fellowship

and help us to grow the club by

sending me your thoughts and

suggestions.

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

ATTEND A CLUB

MEETING!

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UTH

ERN HERITAGE BAN

K’S

Club GatheringsHeritage Club

LOOK INSIDEfor

MEETING DATES

A PUBLICATION OF SOUTHERN HERITAGE BANK Winter 2013

GOMOBILE!• Check your account

balances

• View your transaction history

• Transfer funds between

accounts

• Locate branches and ATMs

• Go green with mobile

banking:

• Your mobile banking

transactions are paperless

• Save gas by banking without going to the bank

Because Southern Heritage Bank uses the latest mobile banking

technology, your accounts and your identity are always safe and secure.

Take your bank wherever life takes you—the convenience of Southern

Heritage Mobile Banking is right for you.

Visit the Bank’s website at shbnet.com or stop into your local banking

location for further details.

Retiring SoloMost retirement planning literature portrays a retirement transition in the context of a couple or a family - but what about those who retire alone?

Retiring alone presents unique challenges. Singles who retire may lack a spousal and familial support network. If a lone retiree faces sizable medical bills, he or she can’t draw on the financial resources of a spouse. Unmarried, childless retirees also lack adult sons and daughters who might be able to offer them financial help or serve as executors of their estates one day.

If you anticipate a solo retirement, it might be very wise to plan for it decades in advance. A basic financial truth can’t be dismissed: single retirees will need to amass savings comparable to those of a retired couple.

Why? It is because many retirement costs are fixed. Hospitals, universities, banks, pharmacies, mechanics and home improvement specialists do not offer discount to single parents or lone retirees. Usually, a couple can absorb these costs more effectively than an individual.

Some steps to consider: The need to save early & consistently. Sometimes young singles are bad with credit, or spend whole paychecks without regard to putting anything away. You are different, right? Think about increasing your savings rate. Look at how much parents save for their kids’ tuition, food, clothing and child care, even in the face of economic pressures that may exceed your own.

The possibility of building wealth through real estate. Astute real estate investment may provide a single individual with a place to live, a steady income stream and the equity to pad retirement savings.

The possible need for long-term care coverage. According to NPR, only about 8 million of 313 million Americans have long-term care insurance. The average private room accommodation in a nursing home is currently $87,000 a year. The 2012 Long-Term Care Insurance Price Index of the American Association for Long-Term Care Insurance (AALTCI) estimates that a single 55 –year-old would pay an average of $1,720 a year for LTCI with an immediate value of $170,000 and a value of $354,000 at age 80. Many people investigate buying LTCI as they turn 50; you may want to take a look at it in your forties.

The value of a social circle. “Family” has many different definitions today—and increasingly, single retirees are creating family-like bonds by moving in with one another, and saving household expenses as well. This can be good for the soul, and some solo retirees with few or no living relatives go so far as to assign power of attorney to a close friend in case of emergency.

These are all crucial factors to think about if you think you may retire alone. Contemplate them, and consider planning accordingly.

Branson Musical Holiday!November 14 - 18, 2013Highlights Include: Doug Gabriel, Dutton Family Theatre, the Hughes Brothers, Twelve Irish Tenors, Yakov Smirnoff, Stone Hill Winery, SIX, Showboat Branson Belle, and Silver Dollar City at Christmas time!

Cost Per Person: $1,899 (double ocpy)

Christmas in the Ozarks is like no other; the air is aglow with holiday spirit and cheer. You will enjoy an array of fabulous Christmas performances, all unique and spectacular in their own right! Price includes Round Trip Air from Alexandria Intl Airport, Air Taxes and Fees/Surcharges, Hotel Transfers. This is a Single Hotel Stay, unpack only once! Cancellation Insurance of $60 per person is available to purchase. Start your 2013 Holiday Season off with a bang!

Call 619-3701 for a detailed flyer today.

BOOK NOWAND SAVE$100 PERPERSON

Activity Calendar Stay In-The-Know With Heritage Club’s Activity Calendar

Date: March 12, 2013Time: 10 am to 11:30 am

Topic:“Choking Rescue Practice and CPR Demonstration”Speaker: Marsha Barr Reed, LCCE

Community Education Department at Rapides Regional Medical Center & American Heart Association

Date: May 14, 2013Time: 10 am to 11:30 am

Topic: “Healthy Living” - Topic will cover helpful tips on Cholesterol, Exercise, Diabetes and Stroke.

Speaker: Amy Starks, R.N., BSNRapides Regional Medical Center

ALEXANDRIA CLUB MEETINGS5211 Jackson st. Ext.

Date: February 12, 2013Time: 10 am to 11:30 am

Topic: “American Heart Association Update”

Speaker: Kourtney Bratton, Regional Director - American Heart Association

Date: April 9, 2013Time: 10 am to 11:30 am

Topic: “Protecting The Drinking Water in Your Community”

Speaker: Susan Robbins, Source Water Protection Specialist - Louisiana Rural

Water Association

Date: June 11, 2013Time: 10 am to 11:30 am

Topic: “Club Travel Log Presentations”Covering The Fall trips and 2014

Adventures!

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

JENA CLUB MEETINGS2832 E. oak

Pacific Northwest & CaliforniaSeptember 9, 2013!Highlights include: Seattle, Mount St. Helens Visitor Center, Portland, Columbia River Gorge, Newport, Bandon State Natural Area, Redwood National Park, Eureka, Avenue of the Giants, and San Francisco

Cost Per Person: $2,649(double ocpy)

Join us for this 8 day, 10 meal adventure. Included in Price: Round Trip Air from Alexandria Intl airport, Air Taxes and Fees/Surcharges, nights lodging at five hotels and hotel transfers. Cancellation Insurance of $165 per person not included. Your scenic tour through the Pacific Northwest and California begins with an overnight stay in one of America’s most picturesque cities, Seattle, Washington. Your scenic journey south along the Western sea boarder takes you through what was the promised land for many pioneers during the days of the Oregon Trail. Continuing south you enter the redwood country of California and end your adventures in San Francisco.

Call 619.3701 for a detailed flyer about Pacific Northwest & California!

5617 Coliseum BlvdAlexandria, LA 71303 www.shbnet.com

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JOIN US FOR SOME FUN

IN 2013!