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

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MEETING!

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Club GatheringsHeritage Club

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A PUBLICATION OF SOUTHERN HERITAGE BANK SUMMER 2014

Your Financial To-Do ListThings 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.

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”!

Crossroads of SicilyMarch 13-22, 2015Cost 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 Insurance of $260 per person not included. Start your adventure in Palermo, Sicily’s vibrant and welcoming capital. View impressive collections of Greek and Roman antiquities rivaling those in Athens in Siracusa.

A powerpoint presentation is available from Collette Vacations - just call!

BOOK NOWAND SAVE

$250 Per Person

WITH DEPOSIT MADE BY SEPT. 14th

A Medical Minute.....Important Roles of the SkinHave 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!

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

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.

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.

Christmas With The Mormon Tabernacle Choir!December 8 – 12, 2015

A Medical Minute.....

ALEXANDRIA CLUB MEETINGS - 5211 JACKSON ST. EXT.

JENA CLUB MEETINGS - 2832 E. OAK

Date: August 12, 2014Time: 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, 2014Time: 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, 2014Time: 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!

Date: September 9, 2014Time: 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: November 11, 2014Time: 10 am to 11:30 amA 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!

Moose and Lobster Safari!Experience Maine

September 18 – 27, 2014

5617 Coliseum Blvd.Alexandria, LA 71303 www.shbnet.com

SouthernHeritageBank

NMLS # 607510

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.

Johnny Snow - (318) 443-27995211 Jackson Street Ext. | Alexandria

VA Lending. The VA Loan is now the #1 CHOICE for veterans & active duty military.

Low Payments - Great interest rates and no private mortgage insuranceExclusive - Only available to veterans and military familiesEasy to Qualify - Considers the unique circumstances of veteran and military familiesZero Down - The only home loan program that allows borrowers to finance with no money down and no monthly private mortgage insurance premium