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Bankn tes
HOLIDAY
2014
{ A Quarterly Report for our Customers }
Happy Holidays!
As the year winds down, we want to take this time to
thank our customers. We are grateful for the pleasure of
serving you and meeting your financial needs. We value
your patronage and appreciate your confidence in us. All
of us here at Salem Co-operative Bank wish you and your
families a joyous holiday season with peace and cheer
in the New Year!
Ann’s Answers
Q: Why is Christmas extra special to Ann Lally?
A: Ann met her husband Peter on Christmas day.
They have been married for 29 years!
Q: When shopping for a mortgage, what should
people look for?
A: It’s important that home buyers consider more than
just rate. How do additional fees such as origination, title
search or closing costs compare? And just as important is
the level of service you will receive during and after the
mortgage process. At Salem Co-operative Bank, our
relationship doesn’t end when we close the mortgage.
We continue to service our customers for the life of the
loan. That’s why so many of our customers come back to
us when they purchase their next home or look
to refinance.
Q: It’s often said that you should “pay yourself first”.
What are your thoughts on that?
{Q&A}
best to be prepared. We suggest setting up a ‘rainy day
account’ and putting money aside on a regular basis,
even if it’s just a small amount. That way, should an
emergency occur, you’ll be prepared.
And while we’re talking about ‘rainy day accounts’, this
is a perfect time to open a new Holiday Club Account.
While we start our Club Accounts on November 1, you
can sign up for one of these throughout the year. It’s always nice come October to receive that check for holiday
shopping, entertaining or just to spend on yourself or
your family.
Watch this space! In every edition of Bank Notes,
our President, Ann Lally, will answer three questions
about a wide range of topics. If you’ve got a question
for Ann, please email it to our editorial staff
([email protected]).
I absolutely agree. With today’s ever changing economy,
one never really knows what tomorrow will bring so it’s
Main office: 3 South Broadway | Salem, NH | (603) 893-3333
Methuen office: 284 Merrimack Street | Methuen, MA | (978) 682-1010
Visit us online at: www.salemcoop.com
Thank you.
Main office: 3 South Broadway | Salem, NH | (603) 893-3333
Methuen office: 284 Merrimack Street | Methuen, MA | (978) 682-1010
Visit us online at: www.salemcoop.com
Odds and Ends
Season’s
Greetings
Don’t forget to purchase your
Holiday gift packs. A perfect
alternative to gift cards, each gift
pack contains 25 crisp $1 bills.
Give one or several to those hard
to buy for people like your favorite teenager, your hair stylist,
your cleaning service, etc. (A $3 fee applies)
Don’t miss the Methuen Festival of Trees which runs from
November 22 – December 6 and features over 240 trees, wreaths
and displays that you could win. The Festival of Trees has been
a marvel of the Merrimack Valley for over two decades.
Come see this year’s Salem Co-operative Bank’s tree.
Visit Methuenfestivaloftrees.com for more information.
Is your home safe during this
holiday season?
While many holiday safety tips are just common sense, a little
reminder never hurts.
Never use lighted candles near trees, boughs, curtains/drapes or
with a potentially flammable item. Always remember to check to be
sure they are extinguished before heading out or going to bed.
Cut off about two inches off the trunk of your fresh tree and put it in
a sturdy, water holding stand. Keep the stand filled with water so the
tree does not dry out quickly.
Many plants are poisonous or can cause severe stomach problems
for small children and pets. Plants to watch include mistletoe, holly
berries, Jerusalem cherry, amaryllis and poinsettias.
Don’t overload extension cords and make sure that your light sets
have a UL (Underwriter’s Laboratory) label. Use them only as
directed – indoor lights for indoors, outdoor lights for outdoors.
CALENDAR OF
Holidays
Thursday, November 27...........Thanksgiving
Tuesday, December 16............. Hanukkah
Thursday, December 25...........Christmas
Friday, December 26.................Kwanzaa
Be careful when climbing ladders and always use the proper step
stool or ladder for the job. Having another person ‘spot’ you will
help prevent accidents.
For more safety tips visit the National Safety Council’s site
at www.nsc.org/documents/holiday%20safety%tips.pdf
Thursday, January 1 ..................New Year’s Day
An NPO* You Should Know
Rather than focus on just one NPO, this issue we encourage
you to give to your favorite charitable organization during this
holiday season. Every contribution, no matter how small,
helps make a difference!
familiar faces
Name: Sheila King
Title: Assistant Treasurer, Portfolio Manager
Branch: Salem
Hometown: Salem, NH
Favorite Food: Lobsta’ (with lots of butter!)
Favorite Team: Patriots
Favorite TV Show: HGTV anything
Guilty Pleasure: Shopping!!!!
BY THE
Numbers
*Non-profit organization
» What’s On Your Mind?
We’d love to hear from you…not just about banking but about your
hopes, dreams, concerns, favorite charities and community projects.
Drop us a line today ([email protected]). Thank you.
» In Our Next Issue
In the next issue of Bank Notes, you’ll find new product and service
announcements, technology updates, community news, Familiar
Faces, Ann’s Answers, By the Numbers, NPOs You Should Know,
and much more.
Did you know that Salem Co-operative Bank has been serving
customers for 92 years? We were founded in 1922 by twenty
business and community leaders who made it their mission to serve
the community of Salem and its residents.
Main office: 3 South Broadway | Salem, NH | (603) 893-3333
Methuen office: 284 Merrimack Street | Methuen, MA | (978) 682-1010
Visit us online at: www.salemcoop.com