We have a number of fun events and educational November/December newsletter issue here.
Curious about Heritage Club and the benefits of being a member? Stop by and visit your local banker or visit our website to learn more.
This is the official Christmas edition of the newsletter! This must mean Christmas is near—and the official start to Christmas has begun, at least according to the stores. I have noticed many stores have been filled with Christmas items since late September, which brings big objections from me. I prefer to enjoy my holidays one at a time, so I plan to celebrate Thanksgiving before the Christmas holiday season.
One year, I decided to be “Super Mom” organized for the holidays. Steve and I had four active kids involved in sports and extra-curricular activities, so days and nights were busy. I wanted to have all holiday tasks completed so my family could enjoy a Hallmark-type Christmas. Don’t we all love the Hallmark commercials where everything looks so perfect and Christmas-like! I started to attack the Christmas décor and set myself a deadline of Thanksgiving! I decorated our house: tree up, lights on, stockings hung, garland wrapped, and gifts secured (well, most were purchased and a few were wrapped). I felt so good about heading into the holidays with everything completed for Christmas—and I did all of this the week before Thanksgiving!! I was feeling pretty good about myself—all organized and ready for the holidays. Christmas decor and gifts were checked off my list!! Done! “Super Mom, Gretchen!” I just about wore a red cape as an action figure!
Read more about Gretchen preparing for the holiday season!
What's Happening Now
Financially Safe Holiday Travels
The holiday excitement is all around. Your suitcase is packed, you've got your travel itinerary, and you're prepared for the weather where you are going. But are you all set financially? FDIC Consumer News offered the following suggestions before you leave.
Decide on the amount of cash you may need.
You may want to take some cash to pay for small purchases where credit cards may not be accepted. But for your own security, it’s not a good idea to take a lot of cash anywhere. If your cash is lost or stolen, you cannot replace it.
Take a couple of credit cards.
They are generally widely accepted. Just as when you are not travelling, it is best not to carry any more cards than what you expect to use, in case you lose your wallet.
Consider other alternatives to cash.
Debit cards, which can be used at stores and at ATMs, deduct funds automatically from a bank account. Prepaid debit cards, which are generally not linked to your bank account, allow you to load a specific amount of money on the card for purchases and ATM cash withdrawals.
Don’t flaunt your cash, bank cards, jewelry or other valuables.
When you travel, modesty is not only the best policy, it may also deter a robber. If possible, leave your jewelry and other valuable items in a safe deposit box at your financial institution or leave expensive items at home. Pickpockets thrive in certain communities, so don’t ever leave your purse, wallet or keys out in the open. If you have a travel companion and you share the same credit card accounts, it may be a good idea to carry one card each from different accounts so you can avoid losing all your cards at once.
Pay your bills before you go, especially if you're going to be away for two or more weeks.
Doing so will eliminate hassles when trying to pay bills from the road, which could include finding a secure Internet connection to log into your financial accounts. You’ll also avoid the risk of forgetting to make a payment during your trip and incurring late fees.
Heritage Club Highlights
Elgin - Join us December 14 for our Christmas Open House!
Fargo-Moorhead - We'll be hosting our Christmas Luncheon on December 8 at the Delta Marriott Hotel.
Harvey - Stop in and register between November 11–17 to win a turkey for Thanksgiving!
Killdeer - Come in and guess the number of candy corn in the jar before November 17!
Fessenden - Join us for our Christmas Open House December 20!
Minot - Stop in and register between November 13–17 to win a turkey for Thanksgiving!
Williston - Stop in for cookies and coffee anytime!
Staples/Motley - Come join us December 5 from 12–2 PM at Spot Cafe in Motley for our Heritage Club Christmas Party.
Watford City - Join us for our annual Christmas Open House December 14 from 11:30 AM–2:00 PM.
We would love to feature your recipe in the next edition of our Heritage Club newsletter. Submit your favorite recipe by email or mail (3001 25th St. S, Fargo, ND 58103 - Attn: Marketing). Be sure to add a note about what makes the recipe special!