Monthly Archives: October 2016

Scary Sweets for Halloween

Halloween Treats

At Putnam Bank, we love resurrecting recipes each year for both neighborhood and community Halloween parties. Before you start planning your next Halloween bash, be sure to add these dangerous delicacies to your list of spooky specialties!

Witch’s Fingers: These pretzel rods add a delicious and haunting bite to any attendee’s plate! Simply cover each pretzel in melted bright green chocolate and attach an almond at the tip. Make them even more realistic by painting the almonds black with food coloring, and adding creases in the fingers.

Bug Cups: Surprise your guests with these crawling cups. Comprised of gummy treats, jello, and crushed Oreos, this easy desserts will entertain your party as they dig their way through the tasty treat.

Witch’s Brew: Filled with pickled beet and ogre’s toe, this gruesome drink will give you all the energy you need for a fun-filled evening of trick-or-treating. For the adults concocting this brew, you may find a mix of orange juice, sparkling grape juice, and sparkling apple juice will make for the most fruitful potion.

Pumpkin Cake: A magical Halloween sweet, this delicious pastry is created to look just like a jack-o-lantern. Remember to customize your design with your family’s favorite pumpkin carving!

Halloween Cookie Cake: Covered in slime and bark, this famous treat is the perfect treat for exhausted Halloween monsters. Give your little monsters a slice after trick-or-treating or before watching a family scary movie!

Caramel Apple Nacho Bar: Tailor your recipe to your own terrorizing tastes with this ooey gooey spread. You can choose the best ghoulish garnishes for you and your guests!

Jello Worms: Scare your friends with these creepy crawlers. Just combine your favorite jello, plain gelatin, and hot water to get these critters moving.

Jack-o-Lantern Pies: Be sure to scoop up these horrifying hand pies for your next event. With a simple crust, and a scrumptious filling, these decadent desserts are sure to be a hit any fall festivity.

Butterbeer Hot Chocolate: For all the witches and wizards out there, this classic drink will make you want to say, “Repello Muggletum!” Get started and craft a cup for one, or for the entire place, this is a recipe you’ll want to try again and again!

We hope you enjoy whichever sweet treats you choose for this spectacularly spooky holiday. Have fun and stay safe!

Which Subscription Service is Worth Your Money?

Subscription Services

The concept of subscription packages isn’t going away anytime soon! Offering the convenience of shipping, and the added surprise of finding out what’s inside, these clever subscription services keep you wanting more. With so many to choose from, how do you know which box is a worthwhile spend for your family? At Putnam Bank, we’re excited to share our favorite options, and how they can help improve your budget:

Blue Apron: Out of all the make your own meal plans, this one by far stands apart! With plans as low as $8.74 per serving, these step-by-step culinary creations can not only help you eat better, but spend better as well! Reduce wasted money and food with their pre-portioned delivery system – and shipping is always free!

Bark Box: For all your furry friends, this box will have them waiting for the mailman every month! At $20 a month for a year long subscription, these fun-filled packages are stocked with nutritious treats and toys for your pup to enjoy. Check out their BarkShop page too, and see if your dog is a perfect fit for their Destroyer’s Club!

Dollar Shave Club: This popular grooming subscription is the perfect fit for men and women seeking a smooth shave. With options starting as low as $3 a month, this offer makes it simple to always have a fresh blade when you need one. If you do choose to upgrade, your product ships for free! Give it a try for a month, and adjust your shipments as needed, depending on how quickly you use the razors.

Birchbox: A traveling beauty bar for both men and women, this monthly subscription provides samples straight to your door for $10-20 each month. Complete with added membership pricing, and special offers, these little boxes pack a punch! If you discover products you simply cannot live without, simply go to their website, and select the full size version to purchase.

Raw Spice Bar: Eager cooks unite behind this affordable and delicious small batch spice subscription. Each month, they send professional and home cooks alike a mix of three regional spice blends. See how much you can grow your palette for only $8 a month!

Graze: Staying healthy can sometimes feel like a chore, especially while you’re working. Take the struggle out of hunting down those nutritious nibbles, and let graze do the shopping for you. For the low cost of $11.99 a month, you will receive 8 pre chosen snacks delivered straight to your home or office, and shipping is already included!

Gamefly: Video game addicts rejoice! Finally, there is a monthly subscription that allows you to play video games and rent movies at a low monthly cost! Starting at $15.95 you can rent one game each month with the option to return it at any time for a new game to rent. There are no late fees, and you can cancel at any time! Or for only $10 a month, you can live stream games straight to your home, 24/7!

Texture: No more magazine racks to clutter up your home, get the newest and latest news straight on your device with Texture’s digital monthly subscription. Offering the hottest magazines in every industry, this convenient service allows you to read the latest issue without the clutter of pages.

LootCrate: Allow your inner geek to celebrate for these gamer and movie centric crates! At a bargain of only $13.95 a month plus shipping and handling, these bountiful boxes offer one wearable item, a t-shirt, vinyl figure, comic book, household item, and utility item in every shipment! What are you waiting for? Sign up today.

Tasting Room: Nothing says relaxation like a satisfying glass of wine. Enjoy a bottle of your favorite flavors each month, through this interactive monthly tasting subscription. After the initial $9.95 tasting assessment of six personal-sized bottles, users are able to order wines to fit their personal tastes for approximately $15 a bottle.

Whichever subscription has begun to peak your interest, be sure to evaluate your family’s monthly budget to determine if it’s the perfect match for you.

Best Part Time Jobs for Students

Working in College

College is a time period in which you begin to choose your path in life. With decisions ranging from effort in class, extracurricular participation, and money management style, you will find yourself gaining more and more responsibilities each and every day. Continue to build your college experience with a part-time career to help you better manage your money, and support some fun on the weekends!

  1. Dental Receptionist: With one of the best hourly wages for college students, this part-time job will help you learn the basics of scheduling and time management while allowing you to maintain flexible hours throughout the school year.

 

  1. Library Assistant: On campus jobs are a great way to reduce transportation costs. Snagging a job at your university library can help you with your classes too! After being trained on all the offerings the library has available, you can have primary access to all the additional resources and study materials – not to mention great pay!

 

  1. Restaurant Staff: Offering flexible hours, and potentially reduced food costs, this is a popular and reliable option for students. Especially useful for those looking to become restaurant managers or chefs, this employment can serve as a great stepping stone to future opportunities.

 

  1. Tutor: Not only as a community service, but also as a career, this valuable job enables students to continue learning outside of their classes, and get paid doing so. By continually explaining processes and concepts to others, you can increase your knowledge on the subjects as well!

 

  1. Bank Teller: Filled with customer interaction, number crunching, and accountability, this position will help teach you all about money management, and the responsibility of being accurate. Not only does this position offer a good wage and flexible hours, but it also boasts an added opportunity to network with impactful members of your community.

 

  1. Bartender: Favored by many students, a position at your favorite college bar can provide flexible hours, socialization, and nightly tips to add to your pay. Remember to choose a bar with high traffic flow, to ensure a steady source of tips, and an increased potential to move up the rankings.

 

  1. Fitness Instructor: Getting paid to workout, almost sounds too good to be true! For those select few who have fantastic charisma and a killer routine, this is the perfect employment for you! With many students and community members searching for exciting new workouts, most college campuses are searching for students to fill rotating fitness class roles. Pick and choose the classes you want to teach, and have some fun!

 

  1. Social Media Manager: Now that social media is practically a mandatory part of any business, the need to manage those accounts is climbing faster than ever. Put your online skills to use, and see which local businesses could use your help. This innovative career can be completed from your room, or the storefront, so working for multiple entities could be a great opportunity!

If you’re ready to start searching for your next job, try browsing your college careers page! With campus wide services, there are always opportunities to find employment. At Putnam Bank, we encourage students to learn about how to save and spend their money responsibly, using a monthly budget. If you’re curious on how to set one up for your personal finances, stop in today!

PB Bancorp, Inc. Announces Dividend

pb_bancorp_logo
Thomas A. Borner, President and CEO of PB Bancorp, Inc., has announced that the Company’s Board of Directors has declared a quarterly cash dividend on the Company’s common stock of $0.03 per share. The dividend will be payable to all stockholders of record as of October 19, 2016, and is scheduled to be paid on November 2, 2016.

“We are pleased to announce the latest dividend payment for the Holding Company” said Mr. Borner. “This dividend is one way of providing a return to stockholders who have invested in our community bank.  We will continue our brand of community banking for years to come as we have since 1862 in keeping with our tag line; “Together We Make A Difference”. We encourage all residents and businesses in the community to consider keeping their banking business local to eastern Connecticut.”

PB Bancorp, Inc., headquartered in Putnam, Connecticut, is the parent of Putnam Bank, a state chartered stock savings bank founded in 1862. The Bank offers a wide range of financial services through its eight full-service offices. Putnam Bank also operates a full-service loan center in Putnam, Connecticut. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation. PB Bancorp, Inc.’s common stock trades on the NASDAQ Capital Market under the symbol PBBI.

Putnam Bank Earns 5-Star Rating from Bauer Financial


Putnam Bank has earned a 5-star “Superior” rating, the highest given, from Bauer Financial, a national independent bank rating firm. The 5-star rating is based on an evaluation of financial data as of June 30, 2016, filed with federal regulators and analyzed by Bauer Financial.
“Putnam Bank is honored to be recognized with a 5-star rating from Bauer Financial,” said Thomas Borner, Chairman and CEO of the bank. “This rating takes many factors into account, including our financial strength and performance. Putnam Bank’s mission is to be the leader among independent, community-based banks in Eastern Connecticut, dedicated to providing exceptional customer service and high-quality, innovative products. We are proud of our bank and the communities we serve”.

Putnam Bank, chartered in 1862, is a $515 million state chartered and insured stock bank, with branch offices in Putnam, Pomfret Center, Danielson, Plainfield, Griswold, Norwich, and Gales Ferry. It also operates a Loan Center in Putnam.

Bauer Financial, Inc. located in Coral Gables, Florida has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt out of a Bauer Financial rating.

6 Ways to Save on Your Home Energy Bill

Home Energy Savings

The cool months are approaching, and so is the increase in your home’s energy usage. Before the days start to get chilly, put these key steps in motion to save some serious pocket change on your next utility bill.

  1. Swap out your 40 watt bulbs for a more efficient LED bulb. While the lights themselves may be more costly, they will save you money in the long run. Begin with one room in the house and every couple months splurge for another room’s new light bulbs. Slowly, your home’s lighting will become more energy efficient, dropping your electricity usage.
  2. While the temperature’s still relatively warm, turn off your air conditioning, and let the house breathe. Open up windows both upstairs and downstairs to cool the house, and bring in some fresh air. Even if it’s for only a few hours a day, this simple technique can decrease your energy usage a little at a time.
  3. Trade in those mesh curtains for an energy efficient alternative. Darkening shades can help to keep your house warm by trapping heat inside. As an added bonus, they also shield the sun, so sleeping in on the weekends has never been easier.
  4. If you have a family of four, doing laundry can add up quick! Decrease your energy usage by switching to a cold wash detergent and only using hot water when deep cleaning whites. For additional savings, hang items to dry outside while it’s still warm, eliminating the energy needed for the dryer.
  5. Fill your freezer. By keeping a full freezer, you make the appliance work less, once all the food is frozen. Each of the items inside of the freezer will help keep the space frozen, meaning less energy is needed to keep everything cold.
  6. Pile on the layers this season. Once the cold comes, instead of running to the thermostat, make your way to the closet. Adding sweatshirts, jackets, and cardigans to your wardrobe can help you stay toasty on those chilly nights, without spiking your energy bill. If the evening is particularly cold, enjoy the night in front of a warm kindling in the fireplace, and remember to add a couple blankets to your bed!

Whatever tactics you choose to save, Putnam Bank is here to help! Contact one of our experienced personal bankers today!