November 2016 Calendar of Events
FreedomYears
Insider
Freedom Years
Meet & Greet Days
Stop by your Unity branch on the following days to
meet with Freedom Years Director, Melissa Leingang.
Get more information about upcoming trips,
Freedom Years benefits, or just come to visit!
Tuesday, Nov. 15 • 9:30 – 11:30 am
Wayne Street Branch • 215 N. Wayne Street, Piqua
Wednesday, Nov. 16 • 9:30 – 11:30 am
Troy Branch • 1314 W. Main Street, Troy
Thursday, Nov. 17 • 9:30 – 11:30 am
Tipp City Branch • 1176 W. Main Street, Tipp City
Friday, Nov. 18 • 9:30 – 11:30 am
Sunset Branch • 1603 Covington Avenue, Piqua
Colonial Christmas
Holiday Center Piece Class
Thursday, Dec. 8 • 2 - 4 pm • $42 per person
Join us for a fun afternoon as the experts at GeNell’s Flowers
help you make a holiday table centerpiece that you can display
in your home or give as a gift! You’ll be able to choose from
three design options for your center piece: traditional Christmas,
silver and gold, or woodland wonderland. All supplies and
refreshments are included!
Reservation & payment due: 11/30
Freedom Years Gift Cards
Is your family looking for the perfect Christmas Gift for you?
Freedom Years gift cards can be purchased in any denomination
and can be used towards any Freedom Years day trip, extended/
multiple day trip or local event!
Call 937.615.1029 or email
[email protected] to purchase yours!
Williamsburg, Virginia
December 1 - 6
Colonial Williamsburg, America’s largest interactive
history museum, comes to life during the Christmas
season with world-renowned holiday decorations,
18th century seasonal programming, firework
displays, theatrical programs, and much, much more!
Call for availability & a detailed brochure!
Traveling South or
West for the Winter?
Have your Freedom Years Insider sent to your seasonal address
or the mailing stopped while you are gone by contacting the
Freedom Years office at 937.615.1029 or email mleingang@
unitynationalbk.com.
Call or email us! 937.615.1029 • [email protected]
Price Is Right LIVE
Hoosier Park Racing & Casino
Saturday, Nov. 19 • $70 per person
“Come on down, you’re the next contestant” on the
Price Is Right Live! show at Hoosier Park Racing and
Casino in Anderson, IN. Our group will have reserved
seats for the afternoon show. Enjoy the classic games
from television’s longest running gameshow. You’ll
even have a chance to be chosen to participate on
stage. Before the show, you’ll have time to eat lunch
and explore Hoosier Park’s 172,000 square foot
gaming and racing facility. We plan to depart Piqua
around 9:30 am and return around 7:30 pm.
Trip includes: Motor coach transportation, show
ticket, $10 casino cash and driver gratuity.
Call for availability!
TEN Tenors Concert
Home for the Holidays • Friday, Dec. 9
Evening performance • $89 per person
Celebrate the spirit of the season with Freedom Years
with a holiday concert in the Kuss Auditorium at Clark
State University. The TEN Tenors are one of Australia’s
most successful touring entertainment groups of all
time, with 16 years of sell-out performances across
the globe!
Trip includes: Motor coach transportation, show ticket, all
taxes and driver gratuity.
Reservation & payment due: 11/8
42 Street
nd
Dayton Schuster Center • Tuesday, Jan. 10
Evening performance • $105 per person
Join Freedom Years for an evening of Broadway at
the Schuster Center. 42nd Street features some of
the greatest songs ever written, such as We’re in the
Money, Lullaby of Broadway, Shuffle off to Buffalo,
Dames, I Only Have Eyes for You, and, of course, 42nd
Street. Based on a novel and 1933 movie, 42nd Street
tells the story of a starry-eyed dancer, named Peggy,
who moves to New York to audition for the new
Broadway musical. When the leading lady breaks her
ankle, Peggy takes over and becomes a star.
Trip includes: Motor coach transportation, parking, tickets
in Orchestra Section - Rows Q, R, & S, all taxes, and
gratuities.
Reservation & payment due: 12/7
Tropical Caribbean Cruise
Onboard Holland America’s MS Eurodam • Featuring Key West,
Turks and Caicos, Dominican Republic, and Bahamas
Jan. 20 - 28, 2017
Call for a brochure and availability!
Australia & New Zealand Adventure
Feb. 21 - Mar. 9, 2017
Now’s the time to take this bucket list trip down under with
Freedom Years! Experience the best of Australia and New Zealand
on this trip of a lifetime with extensive sightseeing as well as leisure
time on your own.
Trip highlights: 3 nights in Cairns, Australia, Catamaran Cruise to
Great Barrier Reef, Great Barrier Reef (snorkeling, eco island walk, or
glass bottom boat cruise), 3 nights in Sydney, Australia, Sydney city
tour, Sydney Opera House tour, Sydney Wildlife World, Sydney Harbor
dinner cruise, Canberra city tour & Aussie Sheep Station, 2 nights in
Melbourne, Australia, Melbourne city tour, North & South Islands of
New Zealand, 1 night in Christchurch, New Zealand, Christchurch
city tour, 2 nights in Queenstown, New Zealand, 1 night in Rotorua,
New Zealand, Maori Village & Thermal Reserve, Rainbow Springs
Nature Park, Maori Hangi Fest, Waitomo Glow Worm Caves, 2 nights
in Auckland, New Zealand, Optional excursions to Philip Island and
Milford Sound Luncheon Cruise
Price per person: $8,295 double occupancy; $9,795 single occupancy. Optional
travel insurance is available. A $500 per person deposit is due with your
reservation.
Trip includes: Roundtrip airfare, 4 inner-tour flights, international air departure
taxes and fuel surcharges, 23 meals (14 breakfasts, 2 lunches, 7 dinners),
professional tour director, 14 nights’ first class hotel accommodations, motor coach
transportation, admissions and sightseeing per itinerary, hotel transfers, baggage
handling, and all tips and gratuities for drivers, guides, tour director, and included
meals.
Final payment due: 12/8
Southern Charms
Featuring Charleston, Savannah, and St. Augustine
Apr. 23 - 29, 2017
Trip Highlights: Charleston city tour, Boone Hall Plantation, Fort Sumter
tour, Beaufort horse-drawn carriage tour, Savannah city tour, Jekyll
Island trolley tour & lunch at the Jekyll Island Club, St. Augustine trolley
tour, 2 nights in Charleston, SC, 2 nights in Savannah, GA, 2 nights in St.
Augustine, FL
Price per person: $2,750 double occupancy; $3,500 single occupancy. Optional
travel/cancellation insurance is available. A deposit of $300 is due with your
reservation.
Trip includes: Round trip airfare, 6-nights’ hotel accommodations, 10 meals (6
breakfasts, 1 lunch, 3 dinners), professional tour director, baggage handling, motor
coach transportation, admissions per itinerary, all taxes and gratuities for included
meals, tour guides, and driver.
Call for a detailed brochure!
Final payment due: 2/1
Pacific Northwest &
Canadian Harborlife
Featuring Seattle, Victoria, and the
San Juan Islands • June 20 - 27, 2017
Learn more about this trip at our Preview
Party on Tuesday, Nov. 1. Join us at 2 pm
in UNB Administration Building at
212 N. Main Street, Piqua.
Tulip Festival
Holland, MI • May 9 - 12, 2017
Travel with us to Holland, Michigan as we
celebrate the city’s rich Dutch heritage
and more than four million tulips at the
Tulip Time Festival! Parades, traditional
Klompen (wooden shoe) dancers, and
entertainment round out the event. The
Dutch Marktplaats gives a taste of 19th
century Holland with traditional Dutch food,
crafts, and demonstrations throughout the
town. Experience why this festival has been
named the “Best Small Town Festival in
America” by Readers Digest.
Trip highlights:
• Guided tour of Holland, MI
downtown and historic areas
• Dutch Marktplaats
• Reserved seating at a parade
• Dutch entertainment
• Windmill Island Gardens
• Veldheer’s Tulip Farm
• DeKlomp Wooden Shoe & Delft
Factory
• Fredrik Meijer Gardens
Price per person: $1,099 double occupancy;
$1,399 single occupancy; $1,009 triple
occupancy; $969 quadruple occupancy. A $300
deposit is due with your reservation. Optional
travel insurance is available.
Trip includes: Motor coach transportation,
3-nights’ hotel accommodations, 8 meals
(3 breakfasts, 2 lunches, 3 dinners), all admissions
for included activities and shows, gratuities for
guides, drivers, and included meals, baggage
handling & taxes on included items.
Final payment due: 2/6
Call for a detailed brochure!
The waters of the Pacific Northwest’s Salish
Sea, between mainland Washington and
Vancouver Island contain hundreds of
islands, some little more than rocky reefs,
others rising to nearly 2,500 feet. Among
these, the San Juans are considered by
many to be the loveliest. About 100 miles
northwest of Seattle, these romantic
islands abound with breathtaking rolling
pastures, rocky shorelines, and thickly
forested ridges. Offshore, seals haul out
on sandbanks and whales patrol the deep
channels. Join us on this adventure as
we experience the beautiful scenery and
exciting wildlife of this archipelago. We’ll
also visit Seattle and nearby Mount Rainier,
and Vancouver Island, home to the worldfamous Butchart Gardens. A Passport is
required for this trip.
Included features:
• Roundtrip air to Seattle
• All transfers and ground transportation
throughout tour
• 7-nights’ hotel accommodations (3
nights Seattle, 2 nights Victoria, 2 nights
Friday Harbor)
• Sightseeing tour to Mount Rainier
National Park
• 3 daytime sightseeing/wildlife cruises
onboard San Juan Cruises’ “Chinook”
• Admission to Butchart Gardens
• 7 breakfasts, 2 lunches, 3 dinners
• Afternoon tea at Fairmont Empress Hotel
in Victoria
• Gratuities for drivers, guides, and
boatmen
• All baggage handling at hotels and
airport (where possible)
Price per person: $3,999 double occupancy;
$4,849 single occupancy. A deposit of $750 and
optional trip insurance premium are due with
reservation.
Final payment due: 3/17
Call for a detailed brochure!
Western Frontiers
|
Featuring the Badlands,
Yellowstone, &
Grand Teton National Parks
Sept. 5 - 13, 2017
Trip highlights:
• Yellowstone National Park
• Mount Rushmore
• Crazy Horse Memorial
• Fort Hays
• Badlands National Park
• Grand Teton National Park
• Jackson Hole Valley
• Devil’s Tower
• Deadwood
• Jenny Lake Cruise
• Snake River Float Trip
Trip includes: Roundtrip airfare, 8-nights’
hotel accommodations, 12 meals (8 breakfasts,
4 dinners), professional tour director, baggage
handling, deluxe motor coach transportation,
admissions per itinerary, hotel transfers, all
taxes and gratuities for included meals, tour
guides, and driver.
Price per person: $3,365 double occupancy;
$4,390 single occupancy. Optional travel/
cancellation insurance is available. A deposit of
$300 is due with your reservation.
Call for a detailed brochure!
Final payment due: 6/14
2016
Trip/Event Cancellation Policy:
The cancellation of Freedom
Years one-day trips or events
will be non-refundable after
payment is made unless the
space is filled from an available
wait list or a substitution is made
by another member. Trips may
be paid for by cash, check, or
VISA. Checks should be made
payable to Unity National Bank
- Freedom Years. Refund policies
on extended vacations vary from
trip to trip. Please review the
cancellation policy included on
each trip brochure.
Travel/Health Policy: It is
required that persons needing
assistance be accompanied by a
companion who is capable and
totally responsible for providing
that assistance. Neither Freedom
Years nor its suppliers may assist
with medications, wheelchairs,
or physically lift persons onto
transportation vehicles. Travelers
needing special assistance must
notify Freedom Years when they
make their reservations. Please
note that the Americans With
Disabilities Act does not apply
outside the United States.
Day Trips & Local Events
NOVEMBER 1
Trip Previews:
Pacific Northwest &
Canadian Harborlife, 2 pm
NOVEMBER 15 - 18
Meet & Greet Days
at the Branches
New!
NOVEMBER 19
Price is Right at Hoosier Park
DECEMBER 8
Holiday Center Piece Class
DECEMBER 9
TEN Tenors Concert
JANUARY 10
42nd Street
Schuster Center
Extended Vacations & Get-A-Ways
DECEMBER 1 - 6
Colonial Christmas,
Williamsburg, VA
JANUARY 20 - 28, 2017
Tropical Caribbean Cruise
AUGUST 14 - 17, 2017
Chicago
New!
SEPTEMBER 5 - 13, 2017
Western Frontiers
APRIL 23 - 29, 2017
Southern Charms
MAY 9 - 12, 2017
Tulip Festival
Holland, MI
Adventure Collection
FEBRUARY 21 MARCH 9, 2017
Australia & New Zealand
Adventure
JUNE 20 - 27, 2017
Pacific Northwest &
Canadian Harborlife
M ake your res er vatio n s to d ay !
EQUAL HOUSING
LENDER
Member FDIC
Trust & Investment Services
212 North Main Street
Piqua, OH 45356
UnityNationalBk.com
Phone: 937.615.1076
FINANCIAL
MANAGEMENT
12 Reasons to
Review your WillMANAGEMENT
FINANCIAL
FOR SI
SI
FOR
Creating a will and an estate plan is not a “one and done” event. Many events can cause a perfectly-crafted
plan to fail to meet expectations and the needs of a family.
For example, two changes in the federal estate tax made in 2012 rendered a great many wills obsolete.
First, the amount exempt from federal estate taxes was lifted permanently to $5 million (plus inflation
adjustments). Second, the exemption was made “portable” for married couples. Strategies employed in an
estate plan to reduce estate taxes were made completely unnecessary for smaller estates.
The most common technique for deferring federal estate taxes has long been the marital deduction trust,
coupled with a “bypass” trust. When one combines “portability” with the enlarged federal exemption,
a family fortune of up to $10 million (plus inflation) can avoid all federal estate taxes simply by leaving
everything to a surviving spouse and filing an estate tax return when the first spouse dies. The favorable
outcome of the “two-trust” plan is now possible with the simplest of wills.
As a rule of thumb, a will and estate plan should be reviewed every five years or so. Here’s a checklist of 12
reasons why a will might need to be amended.
• An heir has died.
• A new potential heir has been born.
• A divorce.
• The divorce of an heir.
• Retirement.
• A move to another state.
• The sale or gift of assets bequeathed in the will.
• A material change in wealth, up or down.
• A change in federal tax laws.
• A change in state tax laws.
• An heir has become disabled, or perhaps drug dependent.
• Estrangement from heirs.
See your professional estate planning advisors to learn more.
Our Trust & Investment officers are trained and educated to help you.
If you have questions, or would like to speak to one of our experienced professionals,
please call Vicki Burke at 937.615.1076 to schedule a time to talk.
Investments are not FDIC insured, not bank guaranteed, and may lose value. Source: M.A. Co. © 2016 | All rights reserved. | July 2016
Serving families, businesses & our communities for generations!