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Really Have a Happy Holiday Season_ - Sunshine Savings Bank

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					                                                                                          DECEMBER, 2007 • VOLUME 23, ISSUE 11




Today                        Sunshine Savings




      A MONTHLY REPORT FROM SUNSHINE SAVINGS BANK




                                                Really Have a Happy
            PUT SOME
           EXTRA                                Holiday Season!
          JINGLE                                How many times this season will you be wished a Happy Holiday? While many
         IN YOUR                                things can make a season bright, here are some tips that can help insure your
       POCKET!                                  holidays are really happy…..even after all the shopping.
     Is your list long and your                 $ If you are shopping online, make sure you are         $ Make a shopping budget as well as a shopping
     budget tight? We can help                  shopping on a secure, well-recognized site. Many        list. If your write your budget and carry it with you
    with a Jingle Bell Loan. It                 sites will offer customer service ratings and you can   as you are shopping, you are less like to overspend
  offers a fixed rate as low as                 check the bottom of the screen for the small lock       and more likely to be happy when the credit card
7.99% Annual Percentage Rate                    symbol in the tool bar.                                 statements come in January.
(APR) and you have 12 months
to pay it back. Here is an                      $ Make sure you check the return policy carefully       $ Get to know your delivery people. Leave a note
example:                                        before making the purchase. VISA and
                                                                                                        for the UPS or USPS person and tell them a secure
                                                Mastercard will help you with many retail disputes,
Sample Monthly Payments*                                                                                place to leave packages. Leaving packages on the
                                                but they can’t help get money back if the return
                                                                                                        doorstep may make it easy for you to find, but that
Loan Amount           Monthly Payment           policy was clearly stated on the website.
                                                                                                        makes it easy for other people to see. Maybe there
   $1000                    $88                 $ Even if you are just dashing into a store for a       is a side door or a planted area that provides a safe,
   $1500                   $132                 minute, make sure your car is locked and all            out of view place to leave your packages.
   $2000                   $176                 valuables, including gift purchases, are not visible.
   $2500                   $220                 The Jacksonville area police are checking cars in
                                                                                                        $ Donating money at the holidays can give you a
                                                                                                        much warmer feeling than those fuzzy slippers you
*based on 9.99% APR. Your interest rate will    mall parking lots and writing warning notes if they
                                                                                                        got last year. If you are donating to an organiza-
be determined by your credit history. Minimum   find a car unlocked or if they can see visible
loan amount $500 and maximum is $2500.                                                                  tion, you might want to ask if they have a 501(c)
                                                valuables. One way to blow your shopping budget
                                                                                                        tax number. This number is granted by the IRS to
                                                is by having to buy your presents twice!
                                                                                                        charitable organizations who meet the criteria and
                                                $ Check your credit card interest rates before you      can help insure that the organization is a non-
                                                go shopping. Your rates may have gone up over           profit. Unfortunately, the holiday charitable spirit
                                                   the year and what was a $500 purchase can be         can be attractive to unscrupulous people. Make
                                                     much more expensive if you have to pay it          sure your donation is going to help those in need.
                                                        off over several months at a high interest
                                                           rate. SSB offers a variety of VISA cards
                                                                                                        $ We all seem to have one person on our list that
                                                                                                        we have no clue what to buy. Plastic can be a
                                                                    with introductory interest rates
                                                                                                        really nice gift if it is in the form of a VISA gift
                                                                           as low as 5.9% APR for
                                                                                                        card. We offer VISA gift cards in denominations
                                                                              the first 6 months.
                                                                                                        up to $500 at all of our walk-in locations.

                                                                                                        From everyone at Sunshine Savings Bank, we wish
                                                                                                        you truly Happy Holidays!
     Interested in
     Prequalifying for a

     Mortgage?
     Sunshine Savings Bank makes prequalifying for a mortgage
     quick and easy and we’re available when you need us.
     You can either:
     • Call our PreQual Hotline at 850-219-7200 , option 1, or toll-
       free 800-468-3993, option 1, during regular business hours.
       Just answer a few quick questions and you will have your
       response within 20 minutes; or,
     • Visit Sunshine’s Online Mortgage Center at
       www.SunshineSavingsBank.com. Prequalification online is
       simple and you can apply 24-hours a day. Follow the online
       instructions and once you have submitted your application you
       can call our PreQual Hotline during regular business hours to find
       out about the status of your loan.




                                                                 Mahan Branch:                                                 Downtown Lending Center:
Hours of Operation                                               Lobby:                                                        Monday thru Friday .........................9:00-5:00
Main Office:                                                     Monday thru Friday .........................9:00-5:00         Street Address: .....108 South Monroe Street
Lobby:                                                           Saturday ........................................9:00-12:00                            Tallahassee, FL 32301
Monday thru Friday ........................ 9:00-5:00
Saturday ........................................... 9:00-2:00   Drive-thru:                                                   Board of Directors:
                                                                 Monday thru Friday .........................7:30-6:00         John (Jack) W. Madden ..................Chairman
Drive-thru:                                                      Saturday ........................................9:00-12:00   Pamela A. Bullard....................Vice Chairman
Monday thru Friday ........................ 8:30-5:30                                                                          Patrick E. Lyons..............Secretary / Treasurer
Saturday ........................................... 9:00-2:00   Street Address: ................3266 Mahan Drive
                                                                                                                                       .
                                                                                                                               Brian P Baggett .................................Director
Street Address:..........1400 East Park Avenue                                              Tallahassee, FL 32308
                                                                                                                               Louis O. Davis, Jr. .............................Director
                                 Tallahassee, FL 32301           Pembroke Pines Branch:                                              .
                                                                                                                               Jack P Dodd.......................................Director
Mailing Address:......................P Box 1508
                                       .O.                       Monday thru Friday..........................9:00-5:00         S. Strom Maxwell ..............................Director
                          Tallahassee, FL 32302                  Saturday ........................................9:00-12:00   Doris K. Richter.................................Director

Telephones:............................. (850) 219-720           Street Address:...........10016 Pines Boulevard
                                                                                    Pembroke Pines, FL 33024
                                                                                                                               Dates to Remember
                                      1-800-468-39930                                                                          We will be closing at 1 pm on
Main Office Fax..................... (850) 656-9508              Killearn Shared Service Center:                               Christmas Eve and New Year’s Eve.
SARA.....................................(850) 219-7272          Lobby:
SARA Toll-Free.....................1-866-220-7272                                                                              We are closed Tuesday, December 25th and
                                                                 Monday-Friday................................10:00-6:00       Tuesday January 1st, 2008.
Lending Fax ...........................(850) 219-7214            Saturday ........................................9:00-12:00
Phone-A-Loan .......................(850) 219-7250
The Car Guy...........................(850) 219-7344             Drive-thru:
                                                                 Monday-Friday..................................7:30-7:00
Web Site:..............SunshineSavingsBank.com                   Saturday ........................................9:00-12:00
S. Monroe & Jennings St.                                         Street Address: ........3534 Thomasville Road
Drive-Thru Facility:                                                                       Tallahassee, FL 32309
Monday thru Thursday.....................7:30-2:00
Friday & State Paydays.....................7:30-5:30             Telephones: ...........................(850) 894-1178
Street Address:............1533-A South Monroe
                            Tallahassee, FL 32301

				
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