IRELAND! EXPERIENCING LIFE IN - EXPERIENCING LIFE - Home Federal ...
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EXPERIENCING LIFE September/October 2019
IN THIS ISSUE:
EXPERIENCING LIFE IN
NOVA SCOTIA
IRELAND! ENGLISH COUNTRYSIDE
April 25 — May 6, 2018
JustCallHome.com
EVENT PLANNER
Experiencing Life with Jubilee!
SEPTEMBER Our cover photo of our time in beautiful Ireland brings anticipation of what awaits us
when we tour the English Countryside August 12 – 21, 2020 (pp. 10 – 11). Our
17-19 Mystery Trip!!!
????????????? fantastic Ireland driver, Liam, will share his wit with us in England as well.
30 Diamond Appreciation Event begins September and October are filled with our three day Mystery Trip (we’ll try hard to get
Galena, Dubuque - Full Day
lodging if you desire to join us), our Diamond and Platinum Appreciation events, and our
Mississippi River Cruise
15-day trip to China for 25 of our Jubilee family. In November, we have an educational
seminar designed to help you keep more of your hard earned money when filing 2019
taxes and beyond. See “Smart Financial Moves to Consider in 2019” (pp. 6 -7) for
OCTOBER
the first of a two part series written by Kelly Anderson, Financial Consultant with Home
1 Diamond Appreciation Event Federal Investment Services. Kelly will expand on this important information and answer
concludes your questions on November 20.
2 Platinum Appreciation Event
Prairie du Chien, WI I knew within minutes of listening to Tim Patrick that his fantastic renditions of the music
of Frank Sinatra would be perfect as our holiday entertainment (p. 3). In addition to
7-21 China plus Yangtze River Cruise delectable entrees and this renowned entertainment, this year’s Holiday Celebration
will include a special drawing for a $200 credit toward 2020 events. Home Federal
appreciates your encouragement of friends to become our clients and to join Jubilee.
NOVEMBER As a special appreciation for your referral efforts, you will receive a referral voucher
of $50 for friends opening accounts to join Jubilee between September 1 and
12 Girl Singers of the Hit Parade
The Palace Theater, Wisconsin Dells December 1. In addition, for each referral voucher you receive, your name will be
entered into a drawing for a $200 credit for Jubilee events in 2020 with the drawing
18 Baking for the Troops taking place at our December 12 Holiday Celebration. Please see page 4 for more
1:30 – 4:00 PM
details and your referral coupon. We also have two more exceptional opportunities
Rochester International Event Center
to enjoy the sounds of this cherished season. The “best seats in the house” have been
20 Educational Seminar - reserved to enjoy favorite holiday classics during Girl Singers of the Hit Parade and the
Smart Financial Moves Dolly & Kenny Tribute - Together again Christmas Show (p. 5).
10:00 AM
125 Live, Rochester
What makes the holiday season most significant is its importance in bringing joy to
others. If at all possible, please join us as we share with troops overseas by Baking for
the Troops on November 18 (p. 4). Last year’s cookies brought smiles and memories of
DECEMBER
home to hundreds of our communities’ soldiers. We’d like to do so again.
6 Dolly & Kenny Tribute –
Together Again Christmas Show! We look forward to experiencing the joy of the fall and
The Palace Theater, Wisconsin Dells
holiday seasons with each of you.
12 Jubilee Holiday Celebration
Rochester International Event Center
Jubilee Director:
Jean Jech
Direct: 507-535-1231
Email: jean.jech@hfsb.com
2
THURSDAY,
DECEMBER 12
Holiday finery, sips of egg nog, and sharing the holiday spirit as we PRICE:
enjoy a wonderful lunch and holiday entertainment always make our
holiday celebration special. We believe this year’s event will be
$38
GUESTS: $48
exceptional when we bring you the music of Frank Sinatra and his
contemporaries as performed by Tim Patrick, a dynamic Sinatra-
RESERVATION DEADLINE:
style singer who performs regularly in the Twin Cities area. Within
minutes of hearing Tim perform, he was determined to be the perfect DECEMBER 1
entertainer for our event.
Registration doors open
Please indicate your entrée selection when making your reservation:
at 11:00 AM
HERB BRINED TURKEY BREAST Lunch doors open at noon
Slow roasted and served with turkey gravy, apple sage stuffing Entertainment after lunch
and buttered corn
PECAN WOOD SMOKED HAM*
Sliced tender ham with Bourbon Honey Glaze
ROCHESTER
PETIT SIRLOIN STEAK* INTERNATIONAL
Seared with port wine reduction and sautéed oyster mushrooms EVENT CENTER
*Ham and steak will be accompanied with Buttermilk Chive Yukon Gold Mashed Potatoes
& Oven Roasted Lemon Asparagus
As our holiday gift to you, Enhanced Member Discounts will apply to
this local event. Please submit full payment at the time of reservation.
Entrée selection is needed with your reservation. DRAWING FOR
IT
$200 EVENT CRED
THE MUSIC OF See page 4
FRANK SINATRA for details.
BY TIM PATRICK!
RESERVATION LINE: 507.535.1234 3
Home Federal is showing Appreciation to Jubilee
Members in TWO BIG WAYS when you...
HOME to Jubilee
Bring your friends
Baking for our Troops
ROCHESTER INTERNATIONAL
Sept. 1 - Dec. 1, 2019! EVENT CENTER
Have your friends present this coupon when opening
their Home Federal account to join Jubilee and you will Gathering in a kitchen
MONDAY,
receive a baking cookies with friends
is always fun. Doing it for
NOVEMBER 18
$50 TRAVEL VOUCHER a wonderful cause makes it 1:30 - 4:00PM
good towards an upcoming Jubilee Event in 2020 extra special.
AND
For each $50 Voucher you receive, your name will be We invite Jubilee members to RESERVATION DEADLINE:
entered into a drawing at our Holiday Celebration for a gather in the industrial kitchen
of the Rochester International OCTOBER 30
$200 CREDIT Event Center to bake dozens
toward your choice of Jubilee events in 2020! and dozens of cookies to
bring smiles to active duty
military from our community
Cut-out this coupon Additional coupons available at
as they serve us during the holiday season.
and give it to Home Federal branch locations.
a friend! As a tribute to our veterans, Home Federal Savings Bank and
Top Tier Delights are again partnering for the cost and facilities
for this worthy effort. Operation Hometown Gratitude will then
join in our effort with shipment of the cookies to our deserving
REFER A FRIEND soldiers. Our only remaining need is the donation of time and
effort from our Jubilee members to make it happen. If you are
not able to physically help us, cash donations are appreciated
as they will be forwarded to Operation Hometown Gratitude
Please thank _________________________________ to aid with shipping cost.
(insert Jubilee member’s name)
There is no charge to you for this event but reservations are
for bringing me home to Jubilee! requested for our planning purposes.
Signature of new member: _____________________
Expires December 1, 2019
Referred party must open a new qualifying account and not have had a Home Federal
account in the last 60 days. Delivery of this card to the Bank at account opening will
allow the Bank to pay the referrer $50 Travel Voucher within 30 days of account
opening. A $75 early closure fee applies. No limit on the number of referrals. This is a
limited time offer which expires on December 1, 2019. Offer is subject to change at
any time without notice. A 1099 may be issued. Not valid with any other offers. Limit
one voucher per new Jubilee household membership. Redemption of this Refer A Friend
form serves as a one-time waiver of privacy rights as the referral source will be aware
of this account opening. Member FDIC
4
Girl Singers Kenny & Dolly
Tribute
of the
Hit TOGETHER AGAIN
CHRISTMAS SHOW
Parade
THE PALACE THE PALACE
THEATER, THEATER,
WISCONSIN TUESDAY, WISCONSIN FRIDAY,
DELLS NOVEMBER 12 DELLS DECEMBER 6
The Palace Theater website PRICE: The music of Dolly Parton PRICE:
$123 $123
reminds us that “Christmas is a and Kenny Rogers is some
time we all want to hear those PP of our favorite, especially PP
cherished songs that bring a GUESTS: $133 when performed together. GUESTS: $133
wave of nostalgia. Most of the Per The Palace website, this
popular Christmas songs were RESERVATION DEADLINE: performance is sure to please, RESERVATION DEADLINE:
OCTOBER 15 NOVEMBER 1
made famous in the 1950s “Back by popular demand!
and this show brings them “Together Again” starring
all back. The Lennon Sisters, Wendy T and Dave Karl
Andrews Sisters, McGuire recreates the magic of Dolly
Sisters, and the King Family Parton and Kenny Rogers, as
were a part of every family’s Holiday and still these two seasoned professionals deliver the incredible songs and the
are in many cases. “The Girl Singers of the Hit onstage playfulness of Kenny & Dolly’s “Real Love” tour. Dolly Parton
Parade” encompasses this warm family feeling and Kenny Rogers are each legends in the entertainment world with
with their Christmas Show.” singing and acting careers that have spanned over 5 decades! In
1983 Kenny and Dolly toured together performing their show “Real
In classic 50’s Christmas ball gowns, “The Love” also known as “Together”. With a long list of individual hits plus
Girls” sing classic hymns like “Adeste Fidelis” and “Silent Night” but their exciting duets, including their #1 duet “Islands in the Stream,” the
also get the place swinging and rocking with tunes like Brenda Lee’s show was amazing and a huge success!”
“Rockin Around The Christmas Tree”, The Andrews Sisters’ “Merry
Christmas Polka” and “Winter Wonderland”, McGuire Sisters’ Our menu will be cobb salad followed by a thick cut pork chop
“Christmas Alphabet”, and “The Twelve Days of Christmas”. accompanied with a Sweet Potato and Creamed Spinach and rainbow
sorbet for dessert. In addition, your day also includes transportation
This day of musical nostalgia includes transportation from Rochester, from Rochester, performance admission, all taxes and gratuities. Eastern
lunch before the performance, all taxes and gratuities. Eastern departure points may be added based on reservations received.
departure points may be added based on reservations received.
O L I D A Y S E A S O N!
T SHO WS FOR THE H rmances!
TWO GREAIN THE HOUSE rese rv e d fo r b o th m a tinee perfo
BEST SEATS
RESERVATION LINE: 507.535.1234 5
PRESENTED BY HOME FEDERAL INVESTMENT SERVICES
EDUCATIONAL SEMINAR:
WEDNESDAY
NOVEMBER 20
1O:00AM
125 LIVE
SMART FINANCIAL
ROCHESTER
RESERVATIONS REQUESTED
MOVES TO
BY NOVEMBER 15
Presented at no cost to
CONSIDER IN 2019
Jubilee members and guests
You’ve worked hard for your money and now it’s time to safeguard the equity that you’ve
earned. On this day, Kelly will offer insight into the latest financial developments that can help
you protect and expand your assets.
1) Minnesota’s newest tax break
2) How recent tax changes impact charitable giving and what you can
do to benefit
3) See how some savvy retirees with side income are saving on taxes Kelly Anderson, CFP®, CRPS®
4) How to lock in a low tax rate Financial Consultant
1016 Civic Center Drive
5) What your Will does not cover Rochester, MN 55901
507.280.3425
6
Our Mission: “Enhancing the financial well-being of our clients and community one relationship at a time.”
Tax time is approaching…
Are you being pro-active in your deduction planning?
Kelly Anderson is a financial consultant with Home Federal Investment Services and has extensive experience providing investment
management and financial planning services with a special focus on retirement. Kelly holds the Certified Financial Planner™ designa-
tion which is considered a standard of excellence in the field of personal financial planning. He finds his work of helping people very
fulfilling and can often be found on the edge of his seat when discussing financial topics. A native of the Mankato, MN area, Kelly
completed his undergraduate studies in Finance at Minnesota State University-Mankato and joined Home Federal Investment Services in
2013. We have asked Kelly to provide his insight on opportunities for you to consider to realize a more positive 2019 tax filing.
The recently updated tax code has presented new planning to help the surviving spouse as individual tax brackets shrink
opportunities for individual tax filers. Following are just some causing widows or widowers to be pushed into higher brackets.
instances in which you may be able to improve your 2019 tax Furthermore, the current tax legislation for individuals is set to revert
outcome. to the old rules beginning in 2026 absent any congressional
action. As financial planners, we tend to work most closely with
Take Credit for your Gift clients for tax consideration planning in the last month or two of the
Have you made contributions to a college 529 plan in the past? year after we have a solid understanding of how much income one
Whether you have or haven’t, this may be an opportunity to help will be reporting for the year.
brighten someone’s future. Minnesota recently passed legislation
allowing either a tax credit or deduction and the donor does not I look forward to sharing more thoughts with you in the November/
need to be the account owner to be eligible. For example, you may December Jubilee issue and to answering your questions at the
be able to contribute to an existing or new 529 plan for a child, November seminar.
grandchild or friend even if an account was initiated by someone
else. Total income determines whether a credit or deduction is more
beneficial. For married filers, the maximum credit is $500 while the
maximum deduction is $3,000.
Lock in a Low Rate
Tax rates were reduced for nearly all brackets effective in 2018,
and whatever your bracket, as savvy individuals, you may be
able to take advantage. If you’re in a relatively low tax bracket *Securities and insurance products are offered through Cetera
and have funds in a traditional IRA or Qualified Retirement Plan, Investment Services LLC (doing insurance business in CA as CFG
then converting a portion of those dollars to a Roth IRA on an STC Insurance Agency LLC), member FINRA/SIPC. Advisory services
annual basis could be helpful. Those using the “fill up the bracket” are offered through Cetera Investment Advisers LLC. Neither firm is
technique tend to benefit most. This is determined by reviewing affiliated with the financial institution where investment services are
what your regular income is and then looking at where you are with offered. Advisory services are only offered by Investment Adviser
regard to your tax bracket. If there is additional room beyond your Representatives. Investments are: *Not FDIC insured *May lose
current income and the next tax bracket, then converting a similar value *Not financial institution guaranteed *Not a deposit *Not
sum from your pretax account to the Roth IRA puts you in control of insured by any federal government agency. Located at: 1016 Civic
your tax rate. Among the benefits are reduced required minimum Center Drive NW, Rochester, MN 55901 888-420-5981
distributions (RMDs) in future years as Roth IRA’s have no RMD
requirement, no tax consequence when taking distributions from the **For a comprehensive review of your personal situation, always
Roth IRA in future years and leaving tax free funds to beneficiaries consult with a tax or legal advisor. Neither Cetera Investment
upon your passing. Married couples using this approach tend Services, nor any of its representatives may give legal or tax advice.
RESERVATION LINE: 507.535.1234 7
DIAMOND
MEMBERS: A special offer for Jubilee
.20% Enhanced Members to get a
bonus on your next CD!
BONUS!
TAKE A BITE
INTO A
PLATINUM
MEMBERS: SWEET
.15% DEAL ON
BONUS!
SAVINGS!
• Accurate as of September 1, 2019.
• A minimum opening balance of $25,000 is required.
• Available on new money deposited with Home Federal.
GOLD • Gold Level – total of $100,000 or more in Home Federal Deposits;
MEMBERS: Platinum Level – total of $150,000 or more in Home Federal Deposits;
.10%
Diamond Level – total of $300,000 or more in Home Federal Deposits.
• Penalty may be imposed for early withdrawal.
• Offer subject to change without notice.
BONUS!
• Member FDIC.
• See page 15 of this issue for full details on how to become an
enhanced Jubilee Member.
8
The Enchanting Islands
Exploring Nova Scotia and
Prince Edward Island
TRIP DATE:
JUNE 19–26,
Join Jubilee as we experience the sights that draw visitors from around the world to magical
2020
Nova Scotia and Prince Edward Island. Known for the story of Anne Shirley of Green
Gables, the Enchanting Islands PRICE:
will bring Jubilee members $4,367 PP DOUBLE
spectacular scenery as well as
SINGLE: +$814
charming fishing villages and
appreciations of days gone
$500 DEPOSIT DUE WITH
by. Brochures with day-by-day
RESERVATION - FULLY
details of this wonderful trip are
REFUNDABLE UNTIL
available in your Home Federal FEBRUARY 15, 2020
branch lobbies or by contacting
Jean Jech.
TOUR HIGHLIGHTS PROGRAM INCLUSIONS
• Nova Scotia’s southern shore rustic fishing • Round-trip transfer from/to Home Federal-determined cities to airport
communities including the UNESCO World • Round-trip airfare based on $500
Heritage Town of Lunenburg • Deluxe motorcoach transportation throughout the tour
• Fisheries Museum of the Atlantic • 7 nights accommodation including 3 two-night stays
• Marvel at the waters of the Atlantic Ocean at • 15 meals (7 Breakfasts/1 Lunch/ 7 Dinners) including a
Peggy’s Cove lobster dinner!
• Picturesque views at Mahone Bay • Luggage handling for 1 piece of luggage
• Prince Edward Island via the • Professional tour manager with group starting in Halifax for duration
Confederation Bridge of tour
• Green Gables Heritage Place • Travel protection plan
• Traditional Prince Edward Island lobster dinner • All taxes and gratuities for included features, drivers, guides and tour
• Northumberland Strait Ferry to Nova Scotia manager
• Alexander Graham Bell National Historic Site • Services of a Home Federal representative throughout the program
in Baddeck
• Whale watching boat tour (weather permitting)
• The Fortress of Louisbourg National
Historic Site
TOUR ACTIVITY LEVEL: EASY 1 2 345 ENERGETIC
RESERVATION LINE: 507.535.1234 9
ENGLISH
COUNTRYSIDE
TOUR
A VIP tour featuring a visit to Buckingham Palace
Our 2018 trip to scenic Ireland was so beautiful that we jumped at the chance for
TRIP DATE:
Jubilee to Experience Life in the beautiful English countryside. In addition to the charm of
picturesque villages and the mysteries of the standing stones at Stonehenge, we’ll also
AUGUST 12-21,
marvel at the Crown Jewels at the Tower of London, take in magnificent architecture, 2020
and view some of the city’s iconic landmarks including Big Ben and the London Bridge.
PRICE:
You will not just witness the Changing of the Guard at Buckingham Palace, but actually
step inside the palace to walk the halls and view
$5,849 PP DOUBLE
SINGLE: +$1,170
the galleries and lavish interiors as heads of state
have done for centuries. Memories are waiting
$500 DEPOSIT DUE WITH
to be made on this VIP Tour with its wonderful RESERVATION - FULLY
accommodations, delicious meals, charming English REFUNDABLE UNTIL
guide, and delightful surprises! APRIL 15, 2020
TOUR HIGHLIGHTS
• Bath - one of Britain’s most appealing
cities with exquisite Roman and Georgian
architecture PROGRAM INCLUSIONS
• Stonehenge - constructed approximately • Round-trip transfer from/to Home Federal-determined cities to airport
5,000 years ago • Round-trip airfare from Minneapolis estimated at $1,100 per
• Stratford-Upon-Avon - for the streets of person
Shakespeare and Anne Hathaway • Private motorcoach transportation throughout the tour
• Leisurely time at Windsor Castle and • 8 nights hotel accommodations
St. George’s Chapel located across the street • 14 meals - 8 breakfasts/6 dinners
from our deluxe hotel accommodations • All tours and sightseeing as described
• The Crown Jewels at Tower of London • All taxes and gratuities for included features, drivers, guides and
• Views of Big Ben, the Houses of Parliament, tour manager
and London Bridge via a London Eye capsule • Porterage service of one bag per person
• A spectacular theatre production in London’s • Travel protection plan
West End! • Services of a tour manager and Home Federal representative
• Buckingham Palace throughout the tour
10Our Itinerary
DAY 1 WEDNESDAY, AUGUST 12 FLIGHT TO LONDON and place in history. We’ll visit Christ Church College, one of the
largest at the University of Oxford. Our day ends in Windsor for
DAY 2 THURSDAY, AUGUST 13 BATH (D) two nights at the Harte & Garter Hotel (or similar).
Upon arrival in London this morning, we enjoy the English
countryside as we motorcoach to Bath, famous for its elegant, DAY 7 TUESDAY, AUGUST 18 WINDSOR (B)
honey-colored Georgian architecture. We’ll then check into the Across the road from our hotel is Windsor Castle, the Queen’s
Bailbrook House Hotel (or similar) for two nights. favorite weekend home and the oldest and largest inhabited
castle in the world. Built in the
DAY 3 FRIDAY, AUGUST 14 BATH (BD) 11th century, the castle sits
We depart for Salisbury, stopping at prehistoric Stonehenge atop a steep hill that offers an
along the way. After learning the mysteries of Stonehenge, we impressive view of much of
continue to the famed Salisbury Cathedral, among the most the castle grounds. With our
beautiful in the world. Within the afternoon and evening as free
Chapter House, we find the best time, you’ll be able to explore
preserved of the original Magna the highlights of the castle
Carta manuscripts dating back at your leisure, visit the State
to 1215 AD. Next is a visit to Apartments where thirty-nine monarchs have resided and view the
Wilton House, an English country ever-changing exhibits of valuable treasures. St. George’s Chapel,
house and the home of the Earls of Pembroke for over 400 years. the location of Prince Harry and Meghan Markle’s wedding, is
The afternoon allows time to browse the nearby Wilton Shopping within walking distance for your added exploration.
Village and to explore Bath.
DAY 8 WEDNESDAY, AUGUST 19 LONDON (BD)
DAY 4 SATURDAY, AUGUST 15 We make the short drive into London to see the Changing of
STRATFORD-UPON-AVON (BD) the Guard at Buckingham Palace. We’ll walk in the footsteps of
This morning, we say goodbye to Bath and head to Stratford- dignitaries as we tour halls and galleries of one of the world’s few
upon-Avon. Our drive through the heart of the Cotswolds, brings remaining working palaces. The afternoon is yours to discover the
gentle hills and rolling green landscapes interrupted only by many museums, shops, and historical sites the city has to offer. After
unspoiled market towns and picturesque villages of honey-colored time to freshen up at the Grosvenor Hotel (or similar), we gather for
stone. We arrive in Stratford-upon-Avon this afternoon for check-in dinner and head to the West End theatre district for an amazing
at the White Swan Hotel for two nights. performance!
DAY 5 SUNDAY, AUGUST 16 STRATFORD-UPON-AVON (B) DAY 9 THURSDAY, AUGUST 20 LONDON (BD)
Today is to explore this charming town steeped in English Today’s touring features the highlights of the city, including Big Ben,
history, including William Shakespeare’s birthplace and Anne the London Bridge, and the Houses of Parliament. After lunch, we
Hathaway’s cottage nestled within stunning grounds and gardens head to the Tower of London. Built in 1066, the historic castle has
overflowing with fragrant blooms and traditional shrubs. The served as a royal menagerie, Her Majesty’s prison, an execution
afternoon and evening are to explore and dine at one of the site, a royal observatory, a royal mint, and a military storehouse.
town’s numerous restaurants. We’ll view the Crown Jewels, meet the famous Beefeaters in their
traditional Tudor uniforms, and explore the White Tower and
DAY 6 MONDAY, AUGUST 17 WINDSOR (BD) the Royal Armory. Our farewell evening brings champagne and
Our tour of the English countryside continues by traveling to breathtaking views aboard the famous London Eye.
Oxford. An established town since the 9th century, this “city of
dreaming spires” is famous throughout the world for its university DAY 10 FRIDAY, AUGUST 21 FLIGHT HOME (B)
RESERVATION LINE: 507.535.1234 11AMERICAN VISTAS –
WESTERN NATIONAL PARKS
Featuring Seven Spectacular National Parks
Passion for our national parks will be supreme after Jubilee’s exclusively designed awe-inspiring
journey to our country’s spectacular natural wonders. Breathtaking panoramas will unfold as each TRIP DATE:
park presents its own picture of the geological evolution of the earth. Yellowstone offers wildlife and
steaming geysers with Old Faithful as the main attraction. At Grand Teton, we’ll take in the surrounding SEPT. 8-16,
beauty at Jackson Lake and float down the Snake River. Witness spectacular views within Dead
Horse Point State Parks and enjoy a picnic lunch with an incredible view at Canyonlands National 2020
Park before embracing the spectacular sights of Arches National Park, which boasts over 2,000 PRICE:
arch formations. An evening jet boat ride whisks
us through the red rock canyons rising out of the $4,498 PP DOUBLE
waters of the mighty Colorado River. We picnic SINGLE: +$850
at Capitol Reef National Park and drive Scenic
Highway 12 with its spectacular views en route to $500 DEPOSIT DUE WITH
Bryce Canyon National Park. Be mesmerized at RESERVATION - FULLY
the beauty of the Grand Canyon’s National Park REFUNDABLE UNTIL
North Rim before concluding with the color of MAY 15, 2020
Utah’s oldest national park, Zion National Park.
TOUR HIGHLIGHTS
• Old Faithful in Yellowstone National Park
• Jackson, Wyoming - the heart of PROGRAM INCLUSIONS
Grand Teton National Park • Round-trip transfer from/to Home Federal-determined cities to airport
• Float trip on the Snake River surrounded • Flight from Home Federal-selected cities to Salt Lake City with return from
by nature’s beautiful canyons Las Vegas (estimated at $500; pricing subject to change based on air
• Dead Horse Point State Park pricing at the time of booking flights)
• Scenic Highway 12 - designated as an • Deluxe motorcoach transportation throughout the tour
“All American Road,” and the crown • Selected accommodation for 8 nights
jewel of the Scenic Byways system • 16 meals - 8 breakfasts, 2 lunches, and 6 dinners
• North Rim of Grand Canyon • All attractions, activities and events listed on the itinerary
National Park • Porterage service of one bag per person
• Zion National Park • Taxes and gratuities on all itinerary inclusions, tour manager, guides, and
• Free time in Salt Lake City and Las Vegas driver
• Travel protection plan
• Local tour manager from arrival in Salt Lake City to departure in Las Vegas
TOUR ACTIVITY LEVEL: EASY 1 2 3 45 ENERGETIC
• Services of a Home Federal Representative throughout the trip
12CHRISTMAS MARKETS
ALONG THE RHINE
TRIP DATE:
Sailing through Switzerland, Germany, DECEMBER 4-12,
France and the Netherlands 2020
Christmas Market River Cruises are magical, and sailing from Switzerland to the Netherlands Category D French Balcony
will be a truly unforgettable holiday season experience. Explore timeless wonders in some of (135 sq ft) $4,996
the most remarkable cities and regions in the world - from Basel in Switzerland; the Black Category B Veranda Stateroom
Forest, Heidelberg, and Cologne in Germany; Strasbourg in France; and Amsterdam in the (205 sq ft) $5,282
Netherlands. The beauty, romance, and spirit of the Category A Veranda Stateroom
holidays comes alive at the colorful Christmas markets. (205 sq ft) $5,386
Category AA Veranda Suite
You’ll discover these cities on guided tours and then (275 sq ft) $6,689
enjoy free time to visit the lively markets. Enjoy Gluhwein SINGLE PRICING AVAILABLE UPON REQUEST
and “chestnuts roasting on an open fire” as you shop for
beautiful ornaments, little music boxes, and wonderful $500 NON-REFUNDABLE
keepsakes or holiday gifts. Join Jubilee as we discover the DEPOSIT DUE WITH
lovely traditions of Europe’s most beloved cities. RESERVATION
TOUR HIGHLIGHTS
• Cruising one of Europe’s most loved rivers,
*Prices listed are per person based on Double Occupancy. Single price available upon request.
the Rhine, with the spectacular scenery of the
Middle Rhine, considered a UNESCO World
Heritage site
PROGRAM INCLUSIONS
• Round-trip transfer from/to Home Federal-selected cities to
• Cities and villages adorned with beautiful
airport
Christmas decorations
• Round trip air from Home Federal-selected cities to Zurich and
• Christmas market offerings of handcrafted goods,
return from Amsterdam
holiday entertainment and local cuisine
• 7 night cruise in cabin of choice on board Viking Tialfi
• Delicious meals on board paired with unlimited
• All meals included daily on the cruise
beverages (as offered with our included
• Included shore excursion in every port
beverage package)
• Enrichment lectures
• Entertainment and activities unique to the
• Local guides at each destination
holidays and areas visited
• Complimentary beverages including alcoholic throughout the
• The most beautiful Gothic Cathedrals in Europe
Cruise (except premium brands and champagne)
during the holiday season
• Suggested gratuities for cruise staff, included excursions, and
• Kinderkijk in the Netherlands
tour manager
• Local wines and beers from the region’s bountiful
• Services of a Home Federal Representative throughout the trip
vineyards and breweries
RESERVATION LINE: 507.535.1234 13CLUB POLICIES
PAYMENTS: participant’s capabilities are determined by Home Federal Jubilee
A deposit of $25 for day trips or $50 for overnight trips is needed within to not meet the needs of the tour. Neither Home Federal Jubilee
one week of your reservation date for space to be held with full payment personnel nor its suppliers may assist with medications or physically
requested by the stated reservation deadline. Deposits for extended aid participants on the tours. Special dietary requirements must be
programs and due dates will be noted in program announcements. indicated at the time of the reservation and every effort will be made
Reservations may be “bumped” by reservations secured with deposits. to accommodate the request; however, no guarantees can be made
Payments should be made by personal check made payable to Home that venues will be able to accommodate the request.
Federal Jubilee and mailed to Home Federal Jubilee, 1016 Civic Center
Dr NW, Rochester, MN 55901 or by Home Federal account transfer by MOTORCOACH CONDUCT:
contacting or visiting any Home Federal branch location. No seats are reserved on our motor coach tours. Seat rotations
are at the discretion of Home Federal Jubilee. All participants must
TOUR CONFIRMATIONS OR WAIT LIST STATUS: disembark the motorcoach at each organized stop. For the comfort of
Reservations should be considered firm unless notification to the contrary all participants, the reclining of passenger seats is highly discouraged.
is made by Home Federal Jubilee that the event has filled. If an event has No standing is allowed when the motorcoach is in motion with
filled prior to the receipt of the reservation, the reservation will be placed participants encouraged to remain seated unless use of the restroom is
on a wait list in order of date received. Every effort will be made to absolutely needed.
provide wait list status as soon as possible. Payments accompanying the
reservation will be held in hopes that the reservation clears the wait list. If RESPONSIBILITIES:
the reservation does not clear the wait list, the payment will be returned Home Federal Savings Bank, through its Jubilee program, is merely
prior to the event travel date. acting as a liaison to arrange travel services for the program
participants and, therefore, assumes no responsibility for and cannot
CANCELLATION: be held liable for any personal injury, property damage or other
Refunds will be issued for cancellations received in writing prior to the loss, accident, delay, inconvenience, or irregularity which may be
stated reservation deadline. For cancellations due to hospitalization or occasioned by actions or omission of you, other participants, third
death of immediate family members, effort will be made to obtain refunds parties, including service providers and other vendors, or any other
from venues; however, as each have their own cancellation policy, no parties. Although no revisions of promoted itineraries or their included
guarantee of a refund can be insured. Refunds will not be given for features are anticipated; the right is reserved to make any changes
cancellations received after reservation deadlines for reasons other than with or without notice that might be deemed necessary. While every
participant hospitalization or immediate family death unless the reservation effort will be made to conduct programs per the announced itinerary,
can be filled from a waiting list. A per person processing fee Home Federal Jubilee is not responsible to any person for expense,
of $15 for day trip and $50 for overnight travel will loss of time or money, or other circumstances resulting from a change
be applied to all cancellations filled from waiting lists. in itinerary or change in tour arrangements. Published times are as
Passengers voluntarily leaving a tour can expect no refunds for any unused accurate as possible but are subject to change due to performance
portion of a tour or unused services. changes, traffic, weather, mechanical or other conditions that prevent
the tour from operating normally. Although every effort is made to
GUEST POLICY: handle passengers’ luggage as carefully as possible, Home Federal
Home Federal Jubilee welcomes the guests of its members. However, Jubilee cannot be responsible, assume liability, or accept claims for
due to the popularity of our events, we must limit guests to one per Jubilee loss of or damage to luggage due to breakage, theft, or wear and
member until it is determined that additional space is available following tear through hotel or group carrier handling. The liability of carriers
the reservation deadline date. For some events, guest attendance may not for baggage or other property accompanying passengers is limited to
be allowed due to limited space. Attendance fees for guests are noted in their liability as common carriers.
event descriptions (generally $10 per day and $50 for regional events).
All guests are the responsibility of their sponsoring Home Federal Jubilee MEDICAL FORMS:
member and must adhere to all Club policies. All guests will be asked For overnight trips, completion of medical and emergency contact
to sign a Home Federal Jubilee Liability Waiver prior to boarding the information forms will be requested of each traveler. Completed forms
motorcoach. All guests must be at least 15 years of age. will be placed in sealed envelopes and returned to the Home Federal
Jubilee representative only to be opened in case of need. The sealed
HEALTH REQUIREMENTS: envelopes will be returned to travelers at the completion of the trip.
Participants registering for Home Federal Jubilee tours, a program
administered by Home Federal Savings Bank (“Home Federal Jubilee”) INCLEMENT WEATHER POLICY:
must be physically able to participate in all stated itinerary items. Any In the event of inclement weather, event participants will be contacted
person who cannot travel independently and who would need special by phone if the event is cancelled. Unfortunately, refunds for inclement
assistance must be accompanied by a companion who will be able to weather cancellations are dependent on the venues’ policy to refund
assist and assume responsibility for this person. Home Federal Jubilee Jubilee for the cancellation and cannot be guaranteed.
reserves the right to decline participation on any tour in which the
14CLUB MEMBERSHIP
Welcome to the Jubilee Travel Club that offers great opportunities to travel, learn and socialize. It is the most active club
in the area, with something for most every interest.
BASIC MEMBERSHIP:
If you are age 55 or better, • Maintain a minimum daily balance of $1,500 or more in a Home Federal
you can become a member Checking or Savings Account or
when you meet any one of • Maintain $10,000 or more in a Home Federal Certificates of Deposit (CDs) or
these membership requirements:
qualified Money Market Accounts or
• Maintain an account with Home Federal Investment Services**
In addition, you can get ENHANCED BENEFITS when you carry higher balances!
GOLD LEVEL: Total of $100,000 or more in Home Federal Deposit Accounts*:
• $10 discount (per household) on each day trip
• $25 discount (per household) on each 3-5 day trip
• $50 discount (per household) on each 6+ day trip
Take yourip PLATINUM LEVEL: Total of $150,000 or more in Home Federal Deposit Accounts*:
membersher
• $15 discount (per household) on each day trip
• $35 discount (per household) on each 3-5 day trip
to a high • $75 discount (per household) on each 6+ day trip
level!
• Annual Platinum Member day event
DIAMOND LEVEL: Total of $300,000 or more in Home Federal Deposit Accounts*:
• $25 discount (per household) on each day trip
• $50 discount (per household) on each 3-5 day trip
• $100 discount (per household) on each 6+ day trip
• Annual Diamond Member overnight trip
Enhanced Member Discounts do not apply to local events unless otherwise noted.
*Deposit accounts consist of Checking, Savings, Money Market and Certificate of Deposit which are all FDIC insured. Member FDIC
CLUB BENEFITS
As a member of Jubilee, Additional Bank Benefits:
you have access to: • ATM/Debit card
• Free first year safe deposit box rent for new bank clients
•
•
•
Day trips
Regional travel
Extended travel opportunities
Plus: • Online Banking & Mobile Banking
• Free notary service
• Educational gatherings • Free educational seminars
• Social events • Bi-monthly magazine
• Experienced club director • And more!
**Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC.
Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:
*Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.
RESERVATION LINE: 507.535.1234 15RESERVATIONS BY
HOME FEDERAL PHONE
1016 Civic Center Dr. NW
Rochester, MN 55901
Please provide the following information
on our Home Federal Jubilee Reservation
Line at 507-535-1234.
• Your name
• Number of spaces to reserve
• Name of the event
• Name of individuals joining you
• Your preferred departure location
— Furniture Superstore, 5150 Hwy
52 North, Rochester
— Kohl’s - Broadway Commons,
20 25th St SE (Hwy 63/
Broadway South), Rochester
• Any questions you may have
RESERVATION REQUEST FORM
RESERVATIONS BY MAIL
Please fill in any information different or not provided from the above address:
Please complete the reservation form
found to the left and mail it to our Home
Name(s) ______________________________________________________ Federal Jubilee address or leave it with
any of our branch personnel.
Address _______________________________________________________
Due to the magnitude of reservations
Phone _______________________ Cell phone _______________________ received, it is not possible for us to send
confirmation of reservations, but those
Email _________________________________________________________ placed on wait lists will be notified as
soon as possible. Motorcoach departure
information will be mailed to attendees
Number of reservations _____Member and ______Non-Member
approximately two weeks prior to
the event.
For __________________________________________________________
EVENT NAME
Preferred motorcoach location:
_____ Furniture Superstore, 5150 Hwy 52 North, Rochester Now you can Like and
Follow Home Federal and
_____ Kohl’s - Broadway Commons, 20 25th St SE Jubilee on Facebook!
(Hwy 63/Broadway South), Rochester
RESERVATION LINE: 507.535.1234You can also read
