PDF Annual Freedom Years Euchre Party ETENDED VACATIONS & GETAWAYS

November ? December | 2019

In this month's Insider you'll find some exciting day trips and awesome vacation getaways!

Here's what's new this month: ? Jersey Boys ? Make & Take Easter Centerpiece ? Queen Esther! ... and much, much more!

J erse y Boys

Saturday, January 25 ? Playhouse Square, Cleveland ? $99 per person

They were just four guys form Jersey, until they sang their very first note. They had a sound nobody had ever heard...and the radio just couldn't get enough of. But while their harmonies were perfect on stage, off stage it was a very different story. A story that has made them an international sensation all over again. Join Freedom Years for this fun and unforgettable show! Price includes: great main floor Orchestra seat, transportation from Mansfield and driver tip.

Castle Noel and The Christmas Story House

Wednesday, December 4 ? Medina and Cleveland ? $84 per person

The Christmas season is a wonderful time to get out and share the joy of the season with friends. And in this case, some friends you haven't even met yet! Welcome to the Freedom Years 2019 Christmas Day Tour! We'll enjoy a guided tour of America's largest year-round Christmas entertainment attraction, Castle Noel. Santa will be working hard on our included lunch of a traditional Christmas meal of turkey with all the works too! Once we have finished our dessert, we'll drive up to Cleveland and tour the Christmas Story House. The Christmas Story House and Museum features original props, costumes, and memorabilia from the film along with hundreds of rare behind-the-scenes photos. Transportation from Mansfield, all entrance fees, lunch and driver's tip are included.

S ight & Sound: Queen Esther!

April 1-3, 2020 ? Lancaster, PA ? Final payment due: 2/28/20

Set in the opulent yet perilous Persian Empire, Queen Esther is a captivating tale of beauty and bravery. Esther's ordinary life changed forever when she was taken through the palace doors, entering a new world of royalty and risk. With a crown on her head and a secret in her heart, can she find the courage to trust in God's plan and believe that she was made for such a time as this?

Experience a heartfelt story on a panoramic 300-foot stage with state of the art technology and live animals in the aisle ways!

Tour highlights: ? Round-trip motor coach transportation ? 2 nights at the Hershey Farm Inn ? Reserved seats for Sight & Sound Production of Queen Esther! ? 2 breakfasts ? Dinner at Hershey Farm Inn Restaurant ? Dinner at Plain & Fancy ? Chalk Talk with Elva ? Flight 93 Memorial ? All gratuities and taxes on included items

Price per person: $523 double occupancy; $493 triple occupancy; $623 single. A deposit of $150 and optional insurance premium is due with reservation.

Merchant Spotlight: For all of your lawn care needs!

419.525.8742 ? BSchopp@

DAY TRIPS, SEMINARS, EXTENDED VACATIONS & GETAWAYS

Make and Take - Easter Centerpiece Class

April 8, 2020 ? Floral Garden Florist - 74 Lexington Avenue, Mansfield ? 2 pm ? $29 per person

Join your Freedom Years friends to make a beautiful and unique Easter table center piece. Sue, a professional from Floral Gardens, will be teaching us each step of the way. Space is limited to 12, so make your reservations for this class quickly!

Utah 's Mighty 5

June 16-24, 2020 ? Featuring 5 National Parks: Zion, Bryce Canyon, Capital Reef, Canyonlands and Arches National Parks Final payment: 3/8/20

Vacation highlights: ? Airfare between Ohio and Las Vegas; returning from Salt Lake City ? Deluxe motor coach transportation ? 8 nights in hotels ? 7 full breakfasts at the hotels ? 2 lunches and 5 dinners ? Mob Museum self-guided tour in Las Vegas ? Leisure time and guided tours through Utah's Mighty 5: Zion National Park, Bryce Canyon National Park, Capitol Reef National Park, Canyonlands National Park, and Arches National Park ? Admission to Cleveland-Lloyd Dinosaur Quarry ? All taxes on included features ? Gratuities for drivers and guides ? Luggage handling

Pricing per person: $3,699 double occupancy; $4,499 single occupancy; $3,479 triple occupancy. A deposit of $750 per person plus optional insurance premium due at time of booking.

W isc onsin Dells & Lake Geneva

July 20-25, 2020 ? Featuring The House on the Rock, the Tommy Barlett water show, Lumberjacks and so much more! Final payment due: 4/1/20

In a world filled with distractions and fast-paced lives, it's nice to slow it down a bit and enjoy the scenery, the water and the entertainment.... Grab your friends and let's go to the Dells! Included features:

? Deluxe motor coach transportation ? 5-nights' hotel accomodations ? Daily breakfast, 1 lunch, 3 dinners

Included activities: House on the Rock tour; Cedar Grove Cheese Factory tour; Lost Canyon Carriage tours; boat cruise of the Upper Dells; Paul Bunyan's Lumberjack show; Fireside Dinner Theater; Lake Geneva Museum; and Lake Geneva full tour. Price per person: $1,729 double occupancy; $2,349 single occupancy; $1629 triple occupancy. Optional travel insurance available. A deposit of $500 per person plus the optional insurance premium is due at time of booking.

ASK FOR A DETAILED BROCHURE! ? 419.525.8742 ? BSCHOPP@

T ucs on Adventure

February 26 - March 2, 2020 ? Featuring The Loews Ventana Canyon Resort; Old Tucson; Tombstone, AZ with optional tour to a spring training baseball game! ? Final payment due: 12/5 Call for a detailed brochure!

Vacation highlights: ? Roundtrip airfare to AZ ? Deluxe motor coach transportation ? 5 nights at the Loews Ventana Canton Resort ? Full breakfast at hotel each morning ? 2 dinners ? Tours of Old Tucson and the Arizona-Sonora Desert Museum ? Tours of Pima Air & Space Museum and Tombstone, AZ ? Resort fee which includes: yoga and fitness access, tennis court rental, shuttle to Sabino Canyon, in-room WiFi ? All taxes on included features ? Gratuities for drivers and guides ? Luggage handling

Pricing per person: $2,299 double occupancy; $3,129 single occupancy; $2,029 triple occupancy; $1,889 quad occupancy. A deposit of $500 per person is due with reservations.

Hear t of Texas

April 26-30, 2020 ? Featuring Magnolia Market and HGTV Fixer Upper Tour ? Final payment due: 1/30 Call for availability!

Vacation highlights: ? Roundtrip airfare from Ohio and Dallas, TX ? Deluxe motor coach transportation ? 4 nights in hotels ? 4 full breakfasts at the hotels ? 1 lunch and 3 dinners ? Tours AT&T Stadium, and JFK sites and locations ? Tour of the George W. Bush Presidential Library and Museum ? Step-on guide and city tours in Dallas, Waco, and HGTV sites ? Tour of the Dr. Pepper Museum ? Free time in the Fort Worth Stockyards Historic District and cattle drive viewing ? Free time at the Magnolia Market at the Silos ? All taxes on included features ? Gratuities for drivers and guides ? Luggage handling

Pricing per person: $1,699 double occupancy; $2,059 single occupancy; $1,579 triple occupancy; $1,519 quad occupancy. A deposit of $500 per person is due with reservations.

Gemsof the Danube

September 23 - October 1, 2020 ? Onboard Scenic River Cruises'MS Scenic Amber ? With optional pre-cruise 2 night extension to Prague ? New date added! Call to reserve your space today!

All meals, beverages including alcohol, shore excursions and gratuities included!

Connecting eight countries from the Black Forest to the Black Sea, the Danube is Europe's second longest river. Along the banks of the Danube, where Gothic cathedrals rise from lush vineyards and medieval villages stand as they did thousands of years ago, you can experience it all onboard the MS Scenic Amber. Scenic River Cruise's innovative "space ships" maximize guest comfort, while the all-inclusive pricing creates a worry-free atmosphere. Enjoy fine dining and luxurious amenities on board and specially designed, customizable shore experiences in port.

Included features: ? Round trip air from Ohio to Munich and Budapest to Ohio ? Round trip airport transfers ? 7 nights on board the deluxe MS Scenic Amber ? All meals on board the MS Scenic Amber ? 5-star dining with 3-course dinners, buffet breakfast and lunch with a la carte options available upon request. ? All beverages onboard the MS Scenic Amber, including alcohol and mini-bar ? All shore excursions and local expert guides ? Use of electric bikes and GPS devices ? Complimentary WiFi onboard MS Scenic Amber ? Butler service for every guest ? All gratuities ? Port charges ? Taxes on included features ? Luggage handling

Price per person: suites range from $6,095 (Standard Suite 160 sq. ft.) to $9,695 (Royal Panorama Suite 475 sq. ft). A deposit of $2,000 per person, plus optional travel protection premium, is due at time of booking. Final payment is due on or before May 13, 2020.

CALENDAR 2019

DAY TRIPS, SEMINARS & EVENTS

NOVEMBER 2 Annual Euchre Card Party

DECEMBER 4 Castle Noel and The Christmas Story House Medina and Cleveland See details!

JANUARY 25, 2020 Jersey Boys Playhouse Square, Cleveland See details!

APRIL 8, 2020 Make & Take Easter Centerpiece Floral Gardens Florist See details!

MAY 20, 2020 Annual Birthday Bash! Save the date!

EXTENDED VACATIONS & GETAWAYS

DECEMBER 6-10 Quebec Christmas Market Sold out!

FEBRUARY 26 MARCH 2, 2020 A Tucson Adventure See details!

APRIL 1-3, 2020 Queen Esther! Sight and Sound Theatre Lancaster, PA See details!

APRIL 26-30, 2020 Heart of Texas Tour Magnolia Market and HGTV Fixer Upper Tour! Call for availability!

JUNE 16-24, 2020 Utah's Mighty 5 See details!

JUNE 20-25, 2020 Wisconsin Dells and Lake Geneva See details!

SEPTEMBER 9-17, 2020 Gems of the Danube Onboard Scenic River Cruises' MS Scenic Amber Call for availability!

SEPTEMBER23 OCTOBER 1, 2020 NEW DATE ADDED! Gems of the Danube Onboard Scenic River Cruises' MS Scenic Amber See details!

OCTOBER 12-16, 2020 Historic Gettysburg & Valley Forge Details coming soon!

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 Richland 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.



EQUAL HOUSING LENDER

RICHLAND BANK

Trust & Investment Services 3 North Main Street Mansfield, Ohio 44902

419.525.8713

Charitable Contributions and IRAs

The season of giving is upon us and offers a great time to consider making a charitable contribution before the end of year. It's also a good time to review or revise your estate plan to include a charitable organization that you are passionate about. Did you know that those older than 70 ? with an IRA are eligible to make a qualified charitable distribution (QCD) and exclude up to $100,000 annually from gross income? These gifts are also known as "charitable IRA rollovers," and would otherwise be taxable IRA distributions.

What is a Qualified Charitable Distribution (QCD)?

You must be 70? or older in order to be eligible to make QCDs from your IRA. You simply instruct your IRA trustee to make a distribution directly from your IRA (other than SEP and SIMPLE IRAs) to a qualified charity. If you file a joint return, your spouse (if 70? or older) can exclude an additional $100,000 of QCDs. QCDs count toward satisfying any required minimum distributions (RMDs) that you would otherwise have to receive from your IRA, just as if you had received an actual distribution from the plan. The advantage of a QCD is that the amount transferred is not included in taxable income. Keep in mind, there is also not a charitable contribution deduction on your federal income tax return ? that would be double dipping! On the flip side, distributions you actually receive from your IRA (including RMDs) and subsequently transfer to a charity cannot qualify as QCDs. Caution: Your QCD cannot be made to a private foundation, donor-advised fund, or supporting organization [as described in IRC Section 509(a)(3)]. Further, the gift cannot be made in exchange for a charitable gift annuity or to a charitable remainder trust.

Can I name a charity as beneficiary of my IRA?

Yes, you can name a charity as beneficiary of your IRA, but be sure to understand the advantages and disadvantages. Generally, a spouse, child, or other individual you designate as beneficiary of a traditional IRA must pay federal income tax on any distribution received from the IRA after your death. However, if you name a charity as beneficiary, the charity will not have to pay any income tax on distributions from the IRA after your death (provided that the charity qualifies as a tax-exempt charitable organization under federal law); a significant tax advantage. After your death, distributions of your assets to a charity generally qualify for an estate tax charitable deduction. In other words, if a charity is your sole IRA beneficiary, the full value of your IRA will be deducted from your taxable estate for purposes of determining the federal estate tax (if any) that may be due. This can also be a significant advantage if you expect the value of your taxable estate to be at or above the federal estate tax exclusion amount ($11,400,000 for 2019).

Read more on page 2.

Investments are not FDIC insured, not bank guaranteed, and may lose value. ? 2019 M.A. Co. All rights reserved.

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download