You had me at "Gaussian" ;-) Alice
On Tue, Nov 11, 2025 at 8:42 AM Esta Rogen <[email protected]> wrote: > Over-Sensitivities aside & with respect, a society can't solve for 'every' > use case. That's impossible. A realistic society solves for the majority of > a Gaussian curve. > > Heck, I'd like not to endure every foot of broken, horribly managed at > day's end, Lincoln road pavement, driving grandkids to events while > destroying my car's suspension, but that's 'life'. > > Esta > > On Mon, Nov 10, 2025 at 3:20 PM Sara Mattes <[email protected]> wrote: > >> The most recent post highlights our need to be more sensitive. >> We should not be so dismissive. >> There are a variety of reasons people cannot do online banking, or travel >> to another town. >> Just because others, including myself, can do the above, it does not mean >> all can. >> >> This does not mean we will be able to attract another bank, but we might >> try if we are to live up to our claim to be inclusive. >> >> >> On Nov 10, 2025, at 3:01 PM, Rachel Marie Schachter < >> [email protected]> wrote: >> >> I’m not being ageist, I’m talking about myself and my experience with >> banking. I’m 34 and often get paid in cash that I need to deposit, and >> making the kind of money I do make, driving somewhere to make that deposit >> or paying a fee legitimately makes a difference to whether I have time to >> make more money, care for myself, or pay my bills. >> >> Rachel >> >> On Mon, Nov 10, 2025 at 2:58 PM Jennifer Saffran < >> [email protected]> wrote: >> >>> I am now officially “elderly” and I do online banking. IMO, ideas about >>> tech and “old” people that might have been relevant 20 years ago, are no >>> longer true. I keep hearing these ideas, and frankly, they are agist. Sure, >>> I can’t keep up with my MIT grad engineer husband, or my Millenial >>> daughter, but this argument about “needing” a bank is irrelevant. If I >>> think about it, I’ve only gotten cash out of a machine a few times a year >>> for the past several years. Nearly all of my transactions are electronic >>> for everything, even at something as retro as the Codman Farm. >>> >>> >>> On Nov 10, 2025, at 2:38 PM, Esta Rogen <[email protected]> wrote: >>> >>> >>> Hi everyone & if I'm reading this somewhat disjointed thread >>> hierarchy correctly:I'm seeing the following: >>> >>> 1) Lincoln can't get by w/o a bank? >>> 2) Because of the need for safe deposit boxes? Is that really a 'thing' >>> anymore? If so, what percentage of Lincoln'ites believe they are a must? >>> 10%? 20%? more? >>> 3) Many people don't have cars so there 'has to' be bank representation >>> within walking distance (?) - Folks can;'t get a ride these days? Perhaps >>> take that 'wonderful' commuter rail to COncord center to execute banking? >>> >>> Has anyone heard of *online* banking? OK, the elderly don't know how to >>> use it? Find the nearest 10 year old & you're now online banking. >>> >>> The following *sky is falling* excerpt is a peach - my goodness, >>> seriously?: >>> >>> "That is why I urge serious town-wide conversation of what is needed and >>> what is wanted, and what it might take to get it. >>> We need a clear-eyed approach to the realities of the market place. >>> If we are not proactive and let the free market dictate, there will, >>> most likely, be no more commerce. >>> If the town chooses to allow that to happen, so be it. >>> But, we should have a conversation-what would it take to keep commerce? >>> What kind of public investment?" >>> >>> Can we get back to conversing about the mess that is the *overflowing >>> auto mechanic establishments* in this 'rural' town? There are >>> three eyesores at the moment..... >>> >>> Esta >>> >>> >>> >>> On Mon, Nov 10, 2025 at 2:17 PM Vkram Saleme <[email protected]> >>> wrote: >>> >>>> >>>> >>>> ---------- Forwarded message --------- >>>> From: Lis Herbert <[email protected]> >>>> Date: Sun, Nov 9, 2025 at 9:11 PM >>>> Subject: Re: [LincolnTalk] Replacing the Bank of America >>>> To: Rachel Marie Schachter <[email protected]> >>>> CC: Lincoln Talk <[email protected]> >>>> >>>> >>>> It’s odd (in my admittedly under-informed opinion) to lament the >>>> closure of a multinational bank while saying it means the end of a village… >>>> what if this is just an incredibly boring leasing decision, for all the >>>> reasons Nick Gardner stated, and a small locally owned business moves in? >>>> Why, apart from the closure of a bank branch (which it seems people are >>>> somehow attached to as a fixture of village life??) is this reason to say >>>> the sky is falling? And why would the maneuvers of a bank with (let’s at >>>> least be honest) zero physical investment in town, trump the needs/opinions >>>> (and as yet totally nonexistent maneuvering) of the non-profit organization >>>> that is largely if not entirely — and I mean no offense to past town >>>> officials — responsible for Lincoln looking and feeling so rural, >>>> expansive, and wonderful as it does today? >>>> >>>> Lis >>>> >>>> >>>> Sent from my iPhone >>>> >>>> On Nov 9, 2025, at 7:42 PM, Rachel Marie Schachter < >>>> [email protected]> wrote: >>>> >>>> >>>> >>>> Didn't expect to be chiming in here, but for some of us in a lower >>>> income bracket, the fee for depositing cash at the ATM if you don't bank >>>> there really does affect our bottom line. >>>> >>>> I don't expect anyone to rally for East Cambridge Savings Bank (or have >>>> any idea what rallying would actually do), but I do happen to be a customer >>>> and a fan. >>>> >>>> Rachel >>>> >>>> On Sun, Nov 9, 2025 at 7:35 PM Nick Gardner <[email protected]> wrote: >>>> >>>>> I think the broad issue is that even for good banks, there's less and >>>>> less reason to use in person branches. I can deposit cash into the ATM, >>>>> deposit checks on my phone, open and close accounts on my phone, and even >>>>> get loans on my laptop. I've probably had to use a physical bank branch >>>>> half a dozen times in the last decade, and it's why so many physical >>>>> branches are closing. >>>>> >>>>> I would love to see a good bank or credit union come to Lincoln but >>>>> it's an uphill battle these days. >>>>> >>>>> -Nick >>>>> >>>>> On Sun, Nov 9, 2025, 19:31 JMG at Lincolntalk < >>>>> [email protected]> wrote: >>>>> >>>>>> I upvote DCU also. Great rates, plus staff in Lexington, online app, >>>>>> all good. >>>>>> Jennie >>>>>> >>>>>> On Nov 8, 2025, at 3:26 PM, Jennifer Saffran < >>>>>> [email protected]> wrote: >>>>>> >>>>>> We have been using DCU—Digital Federal Credit Union—for many years. >>>>>> >>>>>> On Nov 8, 2025, at 1:22 PM, Bob Kupperstein <[email protected]> >>>>>> wrote: >>>>>> >>>>>> IMO everyone should consider using a credit union rather than a bank >>>>>> - lower or no fees, lower penalties and charges, better service, etc. >>>>>> >>>>>> There are a number of excellent ones in the area and they use >>>>>> convenient ATM networks with no fees. >>>>>> >>>>>> -Bob >>>>>> >>>>>> On Saturday, November 8, 2025, nbergen--- via Lincoln < >>>>>> [email protected]> wrote: >>>>>> >>>>>>> I also use Middlesex Saving Bank and have for years. They are small >>>>>>> and personable and I love it. >>>>>>> >>>>>>> Nan B. >>>>>>> ------------------------------ >>>>>>> *From:* Lincoln <[email protected]> on behalf of Anna >>>>>>> Lombroso <[email protected]> >>>>>>> *Sent:* Saturday, November 8, 2025 11:07 AM >>>>>>> *To:* Anne Sobol <[email protected]> >>>>>>> *Cc:* [email protected] <[email protected]> >>>>>>> *Subject:* Re: [LincolnTalk] Replacing the Bank of America >>>>>>> >>>>>>> Another very satisfied Middlesex Savings Bank customer here, for 30 >>>>>>> years. Close branches in Wayland, W. Concord, Concord and Sudbury. >>>>>>> ACL >>>>>>> >>>>>>> Sent from my iPad >>>>>>> >>>>>>> On Nov 8, 2025, at 10:31 AM, Anne Sobol <[email protected]> >>>>>>> wrote: >>>>>>> >>>>>>> >>>>>>> I also use Middlesex Savings Bank, it has lots of branches, and it >>>>>>> is a small bank which doesn't lend to fossil fuel projects, I think it >>>>>>> mostly lends for residential mortgages. >>>>>>> >>>>>>> On Fri, Nov 7, 2025 at 4:38 PM Jeff Eaton via Lincoln < >>>>>>> [email protected]> wrote: >>>>>>> >>>>>>> >>>>>>> Hello Steve- >>>>>>> >>>>>>> For what it's worth, I have been a customer of the Middlesex Savings >>>>>>> Bank (nee "Middlesex Institution for Savings") for over sixty years. >>>>>>> Likely that's more akin to an indication of inertia, but when I've >>>>>>> needed >>>>>>> their services they have done well. I also have maintained a Safe >>>>>>> Deposit >>>>>>> Box with them for all these years... at their Main Street building, >>>>>>> Concord >>>>>>> Village. >>>>>>> >>>>>>> --- Jeff >>>>>>> >>>>>>> Jeff Eaton >>>>>>> 8 Storey Drive >>>>>>> <https://www.google.com/maps/search/8%0D%0A+Storey+Drive+%0D%0ALincoln+MA+01773-2109?entry=gmail&source=g> >>>>>>> Lincoln MA 01773-2109 >>>>>>> <https://www.google.com/maps/search/8%0D%0A+Storey+Drive+%0D%0ALincoln+MA+01773-2109?entry=gmail&source=g> >>>>>>> >>>>>>> Covid booster: October 17, 2025 >>>>>>> >>>>>>> cell: (781) 686-8120 >>>>>>> Land line: (781) 259-0321 >>>>>>> Permanent email address: >>>>>>> [email protected] >>>>>>> >>>>>>> * We are on a highway to climate hell ... with our foot still >>>>>>> on the accelerator.”* >>>>>>> >>>>>>> * - António Guterres, >>>>>>> 11-7-2022* >>>>>>> >>>>>>> >>>>>>> >>>>>>> In a message dated 11/7/2025 3:17:33 PM Eastern Standard Time, >>>>>>> [email protected] writes: >>>>>>> >>>>>>> >>>>>>> *Many of us have been notified of the BofA’s plans to leave Lincoln.* >>>>>>> >>>>>>> >>>>>>> *For some of us, it’s good riddance! Terrible hours, horrible >>>>>>> customer service (I was on hold for 40 minutes today waiting to ask a >>>>>>> simple question of the BofA’s national customer service team), interest >>>>>>> rates on deposits that sucked, and fees charged to customers that >>>>>>> “blew” >>>>>>> (the opposite of sucked when money flows in the opposite direction!).* >>>>>>> >>>>>>> >>>>>>> *Obviously, the Rural Land Foundation will be working hard to find a >>>>>>> new bank, a better bank—one that is not just “here,” but one that is >>>>>>> here >>>>>>> for its customers.* >>>>>>> >>>>>>> >>>>>>> *Right now, there is one thing that all current customers of the >>>>>>> Lincoln BofA branch can do to help the RLF attract a top-notch >>>>>>> replacement: >>>>>>> We can continue to rely on Lincoln’s BofA branch for safe deposit box >>>>>>> services. Think of that not as maintaining a relationship with the BofA, >>>>>>> but rather a relationship with the Lincoln Mall and the replacement bank >>>>>>> that the RLF secures.* >>>>>>> >>>>>>> >>>>>>> >>>>>>> *In evaluating the desirability of establishing a new branch in >>>>>>> Lincoln, the existence of our large safe deposit box base will be an >>>>>>> important inducement to open a branch here because it means not >>>>>>> building a >>>>>>> customer base from scratch.* >>>>>>> >>>>>>> >>>>>>> >>>>>>> *For Lincolnites, maintaining a safe deposit box in Lincoln will be >>>>>>> an inducement to keep the rest of our banking business in Lincoln, and >>>>>>> that >>>>>>> will help our new bank to succeed here.* >>>>>>> >>>>>>> >>>>>>> Regards, >>>>>>> Steve Low >>>>>>> >>>>>>> -- >>>>>>> The LincolnTalk mailing list. >>>>>>> To post, send mail to [email protected]. >>>>>>> Browse the archives at >>>>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>>>> <https://pairlist9.pair.net/mailman/private/lincoln/> >>>>>>> Change your subscription settings at >>>>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>>>> >>>>>>> -- >>>>>>> The LincolnTalk mailing list. >>>>>>> To post, send mail to [email protected]. >>>>>>> Browse the archives at >>>>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>>>> Change your subscription settings at >>>>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>>>> >>>>>>> -- >>>>>>> The LincolnTalk mailing list. >>>>>>> To post, send mail to [email protected]. >>>>>>> Browse the archives at >>>>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>>>> Change your subscription settings at >>>>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>>>> >>>>>>> -- >>>>>> The LincolnTalk mailing list. >>>>>> To post, send mail to [email protected]. >>>>>> Browse the archives at >>>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>>> Change your subscription settings at >>>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>>> >>>>>> >>>>>> -- >>>>>> The LincolnTalk mailing list. >>>>>> To post, send mail to [email protected]. >>>>>> Browse the archives at >>>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>>> Change your subscription settings at >>>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>>> >>>>>> -- >>>>>> The LincolnTalk mailing list. >>>>>> To post, send mail to [email protected]. >>>>>> Browse the archives at >>>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>>> Change your subscription settings at >>>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>>> >>>>>> -- >>>>> The LincolnTalk mailing list. >>>>> To post, send mail to [email protected]. >>>>> Browse the archives at >>>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>>> Change your subscription settings at >>>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>>> >>>>> -- >>>> The LincolnTalk mailing list. >>>> To post, send mail to [email protected]. >>>> Browse the archives at >>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>> Change your subscription settings at >>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>> >>>> -- >>>> The LincolnTalk mailing list. >>>> To post, send mail to [email protected]. >>>> Browse the archives at >>>> https://pairlist9.pair.net/mailman/private/lincoln/. >>>> Change your subscription settings at >>>> https://pairlist9.pair.net/mailman/listinfo/lincoln. >>>> >>>> >>> -- >> The LincolnTalk mailing list. >> To post, send mail to [email protected]. >> Browse the archives at >> https://pairlist9.pair.net/mailman/private/lincoln/. >> Change your subscription settings at >> https://pairlist9.pair.net/mailman/listinfo/lincoln. >> >> >> -- > The LincolnTalk mailing list. > To post, send mail to [email protected]. > Browse the archives at https://pairlist9.pair.net/mailman/private/lincoln/ > . > Change your subscription settings at > https://pairlist9.pair.net/mailman/listinfo/lincoln. > >
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