Quarter 4 2018
Q uarter F our 2018
Malta September 9-17, 2019
Featured Extended Travel
2019
Sandhill Cranes, Cars, and Cuisine in Nebraska Pages 20-21
Idaho Page 22
Minnesota Page 23
Malta Page 24
New Mexico Page 25
Comments from Karissa As we welcome the fall and winter months, we also hope to welcome you to a variety of events and day trips this quarter! We hope you’ll find interest in one or more of our events and trips to learn, meet new people, and enjoy your surroundings!
Be sure to check out our new April 2019 trip to experience the Sandhill cranes, cars, and cuisine in Nebraska. We also have spots remaining for Idaho, Minnesota, Malta, and New Mexico trips in 2019.
Learn, meet, and enjoy!
Karissa Wikert Friends Club Director
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LOCAL EVENTS
Anti-Aging with Ageless Grace Hills Bank in Coralville, lower level (1009 2nd St) Tuesday, October 16, 9:30 a.m. Ageless Grace maintains and strengthens brain health by activating all functions of the brain—analytical, strategic, kinesthetic learning, memory/recall, creativity and imagination— while simultaneously addressing all 21 physical skills needed for lifelong, optimal brain function. The program consists of simple exercise techniques, based on daily, natural movements that focus on preserving body and mind. Led by Beth Pelton, Ageless Grace Educator and owner of Body Moves Fitness and Wellness Center in Coralville, Ageless Grace is a Friends Club favorite! Please wear loose fitting clothing and remove your shoes for this class. Register with a Friends Club representative at 319-679-2103 or at FriendsClub@HillsBank.com.
Fall Market and Economic Update Bella Sala (205 S Park Road, Tiffin) Wednesday, October 17, 3:00-4:30 p.m.
The Hills Bank Trust and Wealth Management Group will be hosting keynote speaker Carl Tannenbaum at the 25th Fall Market and Economic Update event. Mr. Tannenbaum is Executive Vice President and Chief Economist for Northern Trust. He serves on the firm’s Investment Policy Committee, which sets investment policy for all Northern Trust groups in all asset classes. He will provide an economic overview and discuss its impact on investments. Friends Club members are invited to attend this invitation-only event. Seating is limited. Register with Tricia Gingerich at 319-665-5708 or 1-800-899-8858.
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Veterans' Day Thank You Card Workshop Hills Bank in Marion (800 11th St) Wednesday, October 17, 9:00-11:00 a.m.
Join us for a two-hour workshop creating and decorating thank you cards for local veterans. All of the cards will be sent to the Marion American Legion Post 298 to be distributed. Bring your creative ideas and we will provide basic card-making supplies. If you have any favorite card making tools or supplies you would like to share, please bring them too. Seating is limited. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
Wine Tasting with Old Man’s Creek Winery Goodwin Senior Dining (223 8th Ave, Wellman) Wednesday, October 17, 5:30-7:00 p.m.
Tom and Vicki Capper, owners of Old Man’s Creek Winery, will conduct a wine tasting presentation. Learn about this family-owned winery located in Parnell, IA, and taste the unique flavors distinct in each wine’s composition. Light hors d’oeuvres will complement the various styles of wine. Seating will be limited. Register with Jo Edgington at 319-646-4012 or Jo_Edgington@HillsBank.com.
Belgian Beer Pairing Hills Bank in Iowa City (1401 S Gilbert St) Thursday, October 18, 6:00 p.m.
We will be focusing on Belgian beers this year with a tasting led by manager Doug Alberhasky from John's Grocery in Iowa City. Doug has been an employee of John’s Grocery since his grandfather opened the store 60 years ago and possesses a vast knowledge of beer styles and the history of John’s Grocery. Light refreshments will be provided to complement the beer samples. Register with a Friends Club representative at 319-679-2103 or Jaime_Roberts@HillsBank.com.
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Fall Potluck in Kalona Kalona United Methodist Church (302 4th St, Kalona) Tuesday, October 23, 12:00 p.m.
Join friends for a potluck lunch and entertainment. Meat, potatoes, dinner rolls, and beverages will be provided. Please bring a side dish or dessert to share. Register with Katie Miller at 319-656-5801 or Katie_Miller@HillsBank.com.
Impressionism and Introducing the Elements of Art Hills Bank in North Liberty (590 W Forevergreen Rd) Thursday, October 25, 10:00-11:00 a.m. Join Amanda Lensing, Senior Living Communities Program Coordinator at the University of Iowa Stanley Museum of Art, as she presents and discusses Impressionism and Introducing the Elements of Art. Impressionism is one of the most universally loved and recognized artistic movements in the history of art. We’ll start at the beginning with Impression, Sunrise by Claude Monet and end with The Starry Night by Vincent van Gogh, looking at the evolution of Impressionism through the paintings that have made it so popular. You’ll see the artwork via PowerPoint and learn about the artists behind the paintings, while also applying the seven elements of art—line, shape, form, space, color, texture, and rhythm—and using the elements and vocabulary to describe and compare Impressionistic paintings of the 19th century. A native of Iowa City, Amanda’s career has primarily been in the entertainment and literary industries
in Chicago, Los Angeles, and New York. Her love of art, education, and community involvement brought her back to Iowa to serve in this new position, where she educates herself on a period of art, an artist, or a craft and then shares that knowledge with the community. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
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Community Book Talk Cole Library (Library Lane on Cornell College campus, Mt Vernon) Thursday, October 25, 12:00-1:00 p.m. This bi-annual Community Book Talk will feature several great books with local speakers leading a discussion of these literary works. If you’re in need of a reading recommendation, this event can be a great way to get started! Lunch will be provided. This event is open to the public, but reservations are required. Seating is limited. Register by Monday, October 22, with a Friends Club Representative at 319-679-2103 or Michelle_Zaruba@HillsBank.com or Terri_Sutton@HillsBank.com.
Gems of Hope Hills Bank in Marion (3204 7th Ave) Friday, October 26, 9:00-11:00 a.m.
Gems of Hope Inc. is a nonprofit organization that brings hope to corridor cancer patients and their families through handcrafted inspirational gifts. Featuring an encouraging quote and accompanied by a small gift known as a “gem,” each card created can bring hope and inspiration to patients struggling with cancer. Join in supporting the efforts of the Gems of Hope organization by participating in this workshop. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
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Appalachian Trail Talk and Tasting Guild Wurst Tavern (53 2nd St, Coralville) Monday, October 29, 2:00 p.m.
In 2012, Brewmeister Kinkade and his brother Jon, a chef, hiked the entire Appalachian Trail from Georgia to Maine. Join us at Guild Wurst Tavern in Coralville, home to Boot 'n' Flute Brewery, for an afternoon of great food, great beer, and stories about their six-month journey along the Appalachian Trail to get a glimpse into what life was like on the trail. There will be a presentation with photos from their trip, as well as a flight of beer for everyone to try—some beers deriving their names from adventures had on the trail—and a musical performance by the Kinkade brothers.
Seating is limited. Cost per person is $15 for members and $20 for non-members and includes a flight of beer, appetizers, the presentation, and all taxes and gratuities. Register with Kelsey Redlinger at 319-679-2128 or Kelsey_Redlinger@HillsBank.com.
Origami: A Beginner’s Lesson (Bonus: Photos from a recent Japan trip) Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, October 30, 2:00-3:30 p.m.
Join Amanda Lensing, Senior Living Communities Program Coordinator at the University of Iowa Stanley Museum of Art, as she discusses the origins of the Japanese art of paper folding and instructs how to make a few simple designs. This will be a beginner’s class, with instructions on how to make a fox, dog, pig, heart, fish, and sailboat. In addition, Karissa Wikert, Friends Club Director, will show some of her photos from a recent trip to Japan. A native of Iowa City, Amanda’s career has primarily been in the entertainment and literary industries in Chicago, Los Angeles, and New York. Her love of art, education, and community involvement brought her back to Iowa to serve in this new position, where she educates herself on a period of art, an artist, or a craft and then shares that knowledge with the community. Seating is limited. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
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Introduction to Qigong Hills Bank in Coralville, lower level (1009 2nd St) Tuesday, November 6, 9:30 a.m.
Pronounced “kee-gong,” “qi” means life energy and “gong” means work. Attend this class and work to achieve life energy! The gentle rhythmic movement of Qigong reduces stress, builds stamina, and increases the vitality and function of the immune system. Similar in principle to Tai Chi, participants will be led by skilled Qigong instructor Sue Campney through this calming and energizing practice. Please wear loose fitting clothing and remove your shoes for
this class. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
Men and their Hair—Artifacts of Barbering Hills Bank in North Liberty (590 W Forevergreen Rd) Thursday, November 15, 2:00 p.m. Doris Montag, our local homespun historian and humorist, returns to Hills Bank with “Men and their Hair—Artifacts of Barbering,” another talk in her series, The History of Ordinary Things. She is eager to share her unique collection of clippers, straight edges, razors, shaving kits, and much more. As this newsletter was going to press, Doris decided to include a related story she calls "A Lady and her Legs—Shaving & Stockings." Join Doris for an amusing afternoon of storytelling about the history of men’s hair, beards and barbers, and now, those naughty flappers! Register with a Friends Club
representative at 319-679-2103 or Allison_Bates@HillsBank.com.
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We are Thankful for You! Please choose one of the events below to attend in honor of you.
“We’re Thankful for You” Breakfast Hills Bank in Cedar Rapids (3905 Blairs Ferry Rd NE) Wednesday, November 14, 8:45 a.m. (doors open at 8:00 a.m.) Hills Bank in Marion (3204 7th Ave) Thursday, November 15, 8:45 a.m. (doors open at 8:00 a.m.)
Please join us for one of two breakfasts offered in appreciation of our Friends Club members, an important part of the Hills Bank family. We'll have door prizes throughout the morning and a special presentation following breakfast. Register for the date that works best for you with Barb Colehour at 319-447-8407 or Barb_Colehour@HillsBank.com.
“We're Thankful For You” Potluck and Bingo North Ridge Pavilion (2250 Holiday Rd, Coralville) Wednesday, November 14, 11:30 a.m. - 1:00 p.m.
To make this fall potluck and bingo extra special, we will host the event at the beautiful North Ridge Pavilion. Hills Bank will supply the meat, table service, and drinks. We ask that you bring a side dish and/or dessert to share with 10-12 people. A few games of bingo will round out our time together. Seating is limited. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
“We’re Thankful for You” Dinner and Bingo Hills Bank in Mt Vernon, lower level (720 1st Ave SE) Wednesday, November 14, 12:00 p.m. (doors open at 11:40 a.m.)
You are invited to enjoy a wonderful meal and bingo. Hills Bank will provide the main dishes and ask that you please bring a salad to share. Register by Wednesday, November 7, with a Friends Club representative at 319-679-2103 or Michelle_Zaruba@HillsBank.com or Terri_Sutton@HillsBank.com.
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Let’s build up the holiday spirit together! Check out these holiday-themed events.
Holiday Wreath-Making Class Hills Bank in North Liberty (590 W Forevergreen Rd) Thursday, November 8, 10:00 a.m. If your front door is in need of a makeover, a holiday wreath may be the perfect solution! Join us for a holiday wreath-making class and create your very own holiday décor. Cost per person for materials is $15 for members and $20 for non- members. Seating is limited. Register for the class by Tuesday, November 6, with Sue Votroubek at 319-626-8760 or Sue_Votroubek@HillsBank.com. Holiday Ceramics with Big Picture Gallery & Studio Big Picture Gallery & Studio (185 Hwy 965 #3, North Liberty) Friday, November 9, 1:00-4:00 p.m. Join us for an early afternoon to explore, enjoy, and express yourself at a three-hour workshop where you will learn how to make beautiful conical holiday trees from ceramic clay. We will enjoy some holiday refreshments and light snacks while making three unique trees varying in size, finishing each with colorful glazes to make a beautiful set of handmade, decorative trees. Your trees will be available for pick-up two weeks later at a Hills Bank location of your choice. Seating is limited. Cost per person is $25 for members and $30 for non-members. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
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Holiday Ornament-Making Class Iowa Ceramics Center, in the back of the Cherry Building (329 10th Ave SE, Suite 117, Cedar Rapids) Friday, November 16, 6:30-8:30 p.m.
Join us for a two-hour workshop where we will use glass-fusing techniques to create two unique holiday ornaments. Participants will learn about the fused glass process with the Iowa Ceramics Center and Glass Studios’ teaching artist. Your finished ornaments will be available for pick-up two weeks following the class at your local Hills Bank location. Cost per person is $8 for members and $10 for non-members. Seating is limited. Register with a Friends Club Representative at 319-679-2103 or Crystal_Stick@HillsBank.com.
Winter Potting Class Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, November 27, 1:00 p.m.
Are you interested in learning how to add a little more holiday spirit to your porch or front entrance? Join us for a winter/holiday potting class with Pleasant Valley Greenhouse. Their instructor will demonstrate how to use mixed evergreens, dogwood, pine cones, and more to dress up the outside of your house after all the fall flowers are gone. Cost per person is $15 for members and $25 for non-members. You can take home your decorated pot and the lessons you learned in class. Register with a Friends Club representative at 319-679-2103 or Dawn_Lyons@HillsBank.com.
Craft Corner with Chelsea—Winter Pinecone Trees Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, December 4, 10:00 a.m.
Get revved up for the holiday season with a fun and easy craft led by one of our Friends Club Coordinators, Chelsea Marsengill. Be as creative or as simple as you would like while making two of your own winter pinecone trees. They are sure to be a staple in your winter décor for years to come. Supplies, music, and treats will be provided. Register with Chelsea Marsengill at 319-358-2215 or Chelsea_Marsengill@HillsBank.com.
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Holiday Bingo, Treats, and Hot Chocolate Hills Bank in Iowa City (1401 S Gilbert St) Wednesday, December 5, 10:00 a.m.
Join us for a warm and fun celebration of the holidays with hot chocolate, holiday treats, and some bingo on the side! Register by Friday, November 30, with a Friends Club representative at 319-679-2103 or Jaime_Roberts@HillsBank.com.
Washington Holiday Celebration Hills Bank in Washington (2481 Hwy 92 E) Wednesday, December 5, 11:30 a.m. Lunch together and a performance by the Washington High School Choir will help us get into the holiday spirit. Register by Friday, November 30, with a Friends Club representative at 319-679-2103 or Brittany_Redlinger@HillsBank.com.
Holiday Open House and Social Hills Bank in Coralville, in the lobby (1009 2nd St) Monday, December 10, 3:00-5:00 p.m.
As you are reading this, the Hills Bank elves are hard at work planning great holiday fun for our Holiday Open House and Social. There will be several games and activity stations located throughout the main floor of the bank for your entertainment. You are welcome to come and go as you wish. Light refreshments will be served. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.
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Holiday Card Making Workshop Hills Bank in Kalona (120 5th St) Wednesday, December 12, 1:00-3:00 p.m.
Join us for an afternoon of holiday card making with local card making extraordinaire and Friends Club member, Linda Bentley. You can choose to donate one or more cards to Cards for Soldiers, a local group founded in 2008 to supply our deployed soldiers with both cards of encouragement and cards to send home to their loved ones. Cost per person is $10, which includes all the supplies needed to create four cards and one small project. Seating is limited. Register with Katie Miller at 319-656-5801 or Katie_Miller@HillsBank.com.
Holiday Party and Bingo Hills Bank in North Liberty (590 W Forevergreen Rd) Thursday, December 13, 11:00 a.m.
Let’s celebrate the holidays together! Join us as we enjoy lunch, play bingo, and give away door prizes. Seating is limited. Please register by Tuesday, December 11, with Sue Votroubek at 319-626-8760 or Sue_Votroubek@HillsBank.com.
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Bingo Parties September/October Birthdays in Cedar Rapids (3905 Blairs Ferry Rd NE) Tuesday, October 16, 1:30 p.m. September/October Birthdays in Mount Vernon (720 1st Ave SE) Tuesday, October 16, 1:30-3:00 p.m. Register by Friday, October 12 with Michelle at 319-866-7037, Michelle_Zaruba@HillsBank.com or Terri at 319-866-7064, Terri_Sutton@HillsBank.com. October/November Birthdays in Washington (2481 Hwy 92 E) Friday, October 19, 9:00 a.m. Register with Brittany Redlinger at 319-863-7804 or Brittany_Redlinger@HillsBank.com. October/November/December Birthdays in Kalona (120 5th St) Thursday, November 1, 8:00 a.m. Register by Friday, October 26, with Kris Burns at 319-646-4011 or Kris_Burns@HillsBank.com. November/December Birthdays in Cedar Rapids (3905 Blairs Ferry Rd NE) Tuesday, December 18, 1:30 p.m. Register by Friday, December 14, with Barb Colehour at 319-447-8407 or Barb_Colehour@HillsBank.com. November/December Birthdays in Mount Vernon (720 1st Ave SE) Tuesday, December 18, 1:30-3:00 p.m. Register by Friday, December 14 with Michelle at 319-866-7037, Michelle_Zaruba@HillsBank.com or Terri at 319-866-7064, Terri_Sutton@HillsBank.com. Register by Friday, October 12, with Barb Colehour at 319-447-8407 or Barb_Colehour@HillsBank.com.
Cedar Rapids (3905 Blairs Ferry Rd NE, lower level) All events start at 9:00 a.m. Doors open at 8:00 a.m. Friday, September 21 Marion (3204 7th Ave) All events start at 9:00 a.m. Doors open at 8:00 a.m. Friday, October 19 Friday, December 21
Mount Vernon (720 1st Ave SE) All events start at 8:30 a.m. Friday, October 5
Special guest, Mount Vernon Police Chief Doug Shannon, will have a short presentation on safety for the holiday season.
Friday, November 2 Friday, December 7
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DAY TRIPS Please see parking, payment, and other information located on page 27.
Annie Circa ’21 Dinner Playhouse, Rock Island, IL Wednesday, November 28
The irrepressible heroine takes center stage in one of the world’s best-loved musicals. Based on the popular comic strip by Harold Gray, Annie has become a worldwide phenomenon and was the winner of seven Tony Awards, including Best Musical. With equal measures of pluck and positivity, little orphan Annie charms everyone's hearts despite a next-to-nothing start in 1930s New York City. She is determined to find the parents who abandoned her years ago on the doorstep of a New York City orphanage run by the cruel, embittered Miss Hannigan. With the help of the other girls in the orphanage, Annie escapes to the wondrous world of NYC, where she meets billionaire Oliver Warbucks, his personal secretary Grace Farrell, and a lovable mutt named Sandy. Cost per person is $84 and includes motorcoach transportation, the matinee show, lunch and dessert, and all taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or at FriendsClub@HillsBank.com. Presented by Friends Club’s travel operator Star Destinations, kick off the holiday season in Des Moines with an afternoon of delicious food, shopping, and entertainment at the Holiday Inn. Enjoy music from the headlining act Three Men and a Tenor, a hilarious, high-energy vocal group that has served as the opening act for national legends like Jay Leno and The Beach Boys. Chad Elliott, a talented singer/songwriter from Iowa known for his folk, roots-rock, soul, and blues music, will continue to charm listeners as we shop. Vendors offering glassware, home décor, handcrafted wooden items, and a variety of other unique merchants will be on site and can provide perfect holiday gifts for the special people on your list! Cost per person is $124 and includes motorcoach transportation, musical performances, catered luncheon and dessert, and all taxes and gratuities. Register with Chelsea Marsengill at 319-358-2215 or Chelsea_Marsengill@HillsBank.com. Star Christmas: Three Men and a Tenor Des Moines, IA Thursday, December 6
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Away in a Basement: A Church Basement Ladies Christmas Old Creamery Theatre, Amana Thursday, December 13
The Amana Colonies at Christmas time is something to remember. The day begins with exploring and shopping throughout the unique and charming stores. Before the show, the group will enjoy a two entrée lunch at the Ronneburg Restaurant. Then we are off to the historic Old Creamery Theatre to enjoy a matinee show of Away in a Basement: A Church Basement Ladies Christmas . Inspired by the books of Janet Letnes Martin and Suzann Nelson, including the best seller “Growing Up Lutheran,” this musical provides humor and entertainment with a holiday twist! On the day of the church Christmas pageant, anything that can go wrong probably will. Bringing festivities and fun to this wildly popular holiday installment of the Church Basement Ladies Series, everyone’s favorite church ladies
are back and to the rescue! Cost per person is $85 and includes motorcoach transportation, the matinee show, lunch and dessert, and all taxes and gratuities. Register with Chelsea Marsengill at 319-358-2215 or Chelsea_Marsengill@HillsBank.com.
Newsies Circa ’21 Dinner Playhouse, Rock Island, IL Wednesday, February 20
Set in New York City at the turn of the 20th Century, the Disney musical Newsies is the rousing tale of Jack Kelly, a charismatic newsboy and leader of a ragged band of teenaged “newsies,” who dreams only of a better life far from the hardship of the streets. But when publishing titans Joseph Pulitzer and William Randolph Hearst raise distribution prices at the newsboys’ expense, Jack finds a cause to fight for and rallies newsies from across the city to strike for what’s right. Newsies is inspired by the real-life "Newsboy Strike of 1899," when newsboy Kid Blink led a band of orphan and runaway newsies on a two-week-long action against Pulitzer, Hearst, and other powerful newspaper publishers. Timely and fresh, the fictionalized adaptation of Newsies addresses age-old themes of social injustice, exploitative labor practices, and David-versus-Goliath struggles, as the young learn to harness their power against a corrupt establishment. Cost per person is $84 and includes motorcoach transportation, the matinee show, lunch and dessert, and all taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or at FriendsClub@HillsBank.com.
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HANCHER A limited amount of discounted group tickets in premium seating are available for Friends Club members for these upcoming performances at Hancher Auditorium in Iowa City.
Place your order with Meg Sinnott at 319-358-2278 or FriendsClub@HillsBank.com. Payment will be due upon ordering with Hills Bank Friends Club. Tickets will be available at Hancher’s Will Call, which will be open two hours prior to the start of each show.
Steel Magnolias Friday, November 2, 7:30 p.m. The nation’s leading producer of audio theater presents this performance
of Robert Harling’s classic play Steel Magnolias . A diverse cast will take us inside Truvy’s beauty shop in a small Southern town where six women find their lives increasingly intertwined. A story of friendship and standing strong in the face of loss, this performance offers both an emotional and lighthearted experience to audiences of all backgrounds. The discounted group ticket price is $32 per person for Parterre Zone Two seating.
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Les Misérables Sunday, December 9, 6:30 p.m.
Jersey Boys Saturday, February 9, 2:00 p.m. Once considered “just four guys from Jersey,” everything changed when together the first note was sung. With a sound nobody had heard before, these four guys soon hooked audiences and radio stations with their music. Though the harmonies were perfect on stage, off stage it was a very different story—a story that has created an international sensation for this sound all over again. Go behind the music and inside the story of Frankie Valli and The Four Seasons in the Tony Award-winning true-life musical phenomenon, Jersey Boys . From the streets of New Jersey to the Rock and Roll Hall of Fame, see the musical considered too good to be true. The discounted group ticket price is $82 per person for Parterre Zone One seating. Cameron Mackintosh presents the new production of Alain Boublil and Claude-Michel Schönberg’s Tony Award-winning musical phenomenon, Les Misérables , direct from its acclaimed Broadway return. Featuring the beloved songs “I Dreamed A Dream,” “On My Own,” “Stars,” “Bring Him Home,” “One Day More,” and many more, this epic and uplifting story has become one of the most celebrated musicals in theatrical history. Set in early 19th-century France, Les Misérables follows the story of Jean Valjean, a peasant boy, and his journey to seek redemption following a prison sentence. Determined to overcome the tumultuous climate of revolutionary France, Valjean and other characters strive to fight together for a better life. This breathtaking new production has left both audiences and critics awestruck. “Les Miz is born again!” (NY1). The discounted group ticket price is $82 per person for Parterre Zone One seating. Founded in 1990 by pianist and conductor Mikhail Pletnev, the Russian National Orchestra quickly established itself as one of the most notable and recognizable ensembles with performances throughout Europe, Asia, and the Americas. Heard frequently on NPR, the orchestra is the first from Russia to win a Grammy, and many of the orchestra’s more than 80 recordings are widely acclaimed. But of course, neither radio broadcasts nor recordings can replace the power and beauty of a live performance by an orchestra Gramophone lists as one of the top 20 orchestras in the world. The discounted group ticket price is $55 per person for Parterre Zone One seating. Russian National Orchestra Saturday, February 23, 7:30 p.m.
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NEBRASKA Uncover the best-kept secrets of Nebraska on this six-day tour filled with Sandhill cranes, classic cars, and more! The tour begins with a travel April 1-6, 2019 $1,524 per person, double occupancy $1,964 per person, single occupancy SANDHILL CRANES, CARS, AND CUISINE IN
day to Omaha capped off by a traditional Greek dinner and entertainment before we start fresh on day two at Offutt Air Force Base. After a peek at our nation’s military, we’ll turn our attention to the natural world with visits to the Fontanelle Forest Nature Center and the Henry Doorly Zoo, known as one of the top zoos in the country. An in-depth look at the history of the region at the Durham Museum and a stop at Hollywood
Candy in Omaha’s Old Market will round out the day’s excitement.
Day three begins with a tour of Boys Town, a village that has given hope to at-risk children for over one hundred years, and will continue in Lincoln with visits to Nebraska’s State Capitol, the International Quilt Study Center, and the Larsen Tractor Test Museum. After a tour and ice cream samples at the University of Nebraska-Lincoln Dairy Store, we’ll head underground for a visit to Robbers Cave. Our days in Nebraska
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will continue with a look at automotive history at the Museum of American Speed and a step back in time at Wessels Living History Farm. At Raising Nebraska, we will explore agriculture through interactive exhibits before heading to the Grand Theater for a presentation on the more than half
a million Sandhill cranes that converge on the area every spring. After learning about this annual migration, we will see the cranes in person on a viewing tour at the Rowe Sanctuary. We’ll wrap up our tour with a look at the history of our nation’s westward expansion at the Archway, a visit to the Classic Car Collection, and a stop at the Stuhr Museum of the Prairie Pioneer. Five nights’ accommodations, 11 meals, and admission to all activities listed on the itinerary are included in the tour price. Contact 319-358-2230 or Karissa_Wikert@HillsBank.com or 319-358-2278 or Meg_Sinnott@HillsBank.com for more information.
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IDAHO
UNCOVERED
Travel to some of the most beautiful cities and regions the state of Idaho offers! The tour begins with a transfer from the airport in Spokane, WA, where the group will meet the local tour manager. From here, enter into Idaho and the beautiful Coeur d’Alene Nation while settling into accommodations for the next two nights. The welcome dinner will include a cultural celebration with Coeur d’Alene tribal members sharing stories, music, and dance! In the days ahead, we’ll embark on a thrilling half-day jet boat excursion through Hells Canyon along the Snake River, travel through the Nez Perce Indian Reservation, tour the Smokejumper Base in McCall, and enjoy a tasting at St. Chapelle Winery. This journey will be filled with historic sites, wonderful food, and memories to last a lifetime. May 16–22, 2019 $3,899 per person, double occupancy $4,479 per person, single occupancy
Six nights’ accommodations, 12 meals and admission to all activities listed on the itinerary are included in the tour price. Contact 319-358-2230 or Karissa_Wikert@HillsBank.com or 319-358-2215 or Chelsea_Marsengill@HillsBank.com for more information.
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MINNESOTA EXPLORER
July 23-27, 2019 $1,517 per person, double occupancy $1,889 per person, single occupancy
The great state of Minnesota, commonly called the “Land of 10,000 Lakes,” awaits us. As we journey north, we’ll stop to visit the National Eagle Center in Wabasha and continue on to Duluth to check into our hotel near Canal Park for a two-night stay. Day two will have us exploring Duluth and the surrounding area, including Skyline Drive, Enger Park and Gardens, the Rose Garden, and other historic highlights! We’ll also tour Glensheen Historic Estate on the shores of Lake Superior, take a scenic drive up the North Shore Scenic Byway to Split Rock Lighthouse, and stop at Gooseberry Falls State Park to admire the waterfalls and explore the interpretive center. Day three will begin at the Lake Superior Railroad Museum, where we will explore its impressive collection of historic railroad equipment. We’ll then board one of the coaches from the museum’s collection for a narrated train ride! With Duluth in our rearview mirror, a two-night stay at the famed St. James Hotel in Red Wing awaits. During our stay, we will visit the Red Wing Shoe Store and Museum for a virtual tour of the factory and a chance to see the Norman Rockwell art gallery, tour the Red Wing Stoneware Company factory, and take a leisurely cruise on Lake Pepin. Our time in Red Wing will come to a close with visits to a local winery, the farmers market, and Stoney End Harps. Four nights’ accommodations, 9 meals, and admission to all activities listed on the itinerary are included in the tour price. Contact 319-358-2230 or Karissa_Wikert@HillsBank.com or 319-358-2215 or Chelsea_Marsengill@HillsBank.com for more information.
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4th Quarter 2018
MALTA MARVELOUS Explore Malta’s long and colorful history dating back to the dawn of civilization on this 9-day tour. Our journey begins in the capital city of Valletta, 2018’s European Capital of Culture. We’ll walk in the Upper Barrakka Gardens and enjoy a private tour of the National Library of Malta before experiencing an after-hours tour of St. John’s Co-Cathedral, home to Caravaggio’s only signed masterpiece. Day four includes wandering through the beautiful San Anton Gardens at the palace of the Maltese President and heading underground to explore the interconnected Roman cemeteries in St. Paul’s Catacombs. Then, get ready for a private tour and high tea experience in the elegant Palazzo Parisio! Day five offers a day of leisure to take advantage of the countless opportunities for shopping, dining, and sightseeing and will end with a unique experience in the silent city of Mdina. Day six will bring us to the Maltese island of Gozo by ferry. The island is greener and more rural and will have us visiting the Xwejni salt pans, sampling wines and olive oils, and venturing through the Citadel in the island’s capital. Plus, no visit to Gozo would be complete without a stop at the Ggantija Temples, the oldest freestanding structure in the world! Back on Malta, we will experience market day in the fishing village of Marsaxlokk, visit the Hagar Qim and Mnajdra temples, and take a boat ride through the famous caverns of the Blue Grotto. At the Dingli Cliffs, we’ll pause to take in the spectacular views and then wonder at Clapham Junction’s mysterious cart ruts. Day seven will come to an end with us joining the Maltese people in celebrating their Christian patron saints with fireworks, music, and partying! Our final day of touring begins with a visit to a small farm for a farm-to-table lunch, continues with a chance to learn about Maltese weaving, and ends with a very special farewell dinner. September 9-17, 2019 $5,799 per person, double occupancy $6,799 per person, single occupancy
Seven nights’ accommodations, 15 meals, and admission to all activities listed on the itinerary are included in the tour price. Contact 319-358-2230 or Karissa_Wikert@HillsBank.com or 319-358-2215 or Chelsea_Marsengill@HillsBank.com for more information.
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Friends Club News
NEW
MEXICO Discover “The Land of Enchantment,” Where we'll begin our journey by flying to Albuquerque, and meet our local tour guide and depart for Las Cruces for an overnight stay. The days ahead will see us taking in the scenic beauty and rich history of our 47th state! Our first full day of touring begins at the White Sands National Monument, where we’ll see the glistening dunes of gypsum sand that stretch for hundreds of miles. We will then stop at the White Sands Missile Range Museum to see the many missiles and rockets that are on display. Later that afternoon, we’ll descend 830 feet by elevator to explore the gigantic subterranean chambers and cave formations of Carlsbad Caverns National Park. In Roswell, we’ll make an extraterrestrial stop at the UFO Museum and Research Center, and then head to Albuquerque to ride the tram up Sandia Peak for an unsurpassed view from 10,680 feet! In the coming days, we will take an early morning hot air balloon ride, visit the Turquoise Museum, enjoy free time in Albuquerque’s Old Town, and tour the capital city of Santa Fe. At the Bandelier National Monument, we’ll see the ruins of a large Indian pueblo and the beauty of the surrounding landscape. Next up is Los Alamos, known as “Atomic City,” for a visit to the Bradbury Science Museum to learn about the Manhattan Project and other projects related to defense and technology. Our last day of touring will include a visit to Taos Pueblo and a chance to wander the streets of Taos Plaza. Seven nights’ accommodations, 12 meals, and admission to all activities listed on the itinerary are included in the tour price. Contact 319-358-2230 or Karissa_Wikert@HillsBank.com or 319-358-2278 or Meg_Sinnott@HillsBank.com for more information. October 16-23, 2019 $4,069 per person, double occupancy $4,799 per person, single occupancy
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4th Quarter 2018
In the world of financial planning, saving for retirement can seem complex and confusing. But the right information and advice can put you on track towards building a retirement savings. In this series of articles, we will examine some different aspects of Individual Retirement Accounts (IRAs). What is an IRA? An Individual Retirement Account (IRA) is a personal, tax-deferred account the IRS created in 1974 as a way to encourage retirement savings. The two most common types of IRAs are Traditional and Roth. Understanding IRAs by Hills Bank Trust and Wealth Management Group | Part 1 in a 4 Part Series
A Traditional IRA allows individuals to contribute pre-tax income, thus lowering their taxable income. The earnings grow tax-deferred. Income taxes are not assessed until distributions are taken (see distributions below).
A Roth IRA , unlike a Traditional IRA, is funded with after-tax contributions. These contributions are not tax deductible. However, the earnings are not subject to income taxes and distributions may be made in retirement without incurring any income taxes on the withdrawals.
In simple terms, Roth IRA contributions are taxed before the funds go into the account; Traditional IRA contributions are taxed when the funds come out.
Funding and Income Limitations The IRS allows a taxpayer to contribute up to $5,500 ($6,500 if you are over age 50) of earned income per year to an IRA or Roth IRA. The IRS imposes limits on how much a taxpayer may contribute to an IRA or ROTH IRA based upon their modified adjusted gross income (MAGI). For 2018, to be eligible for a full contribution, the MAGI thresholds are:
Filing Status
Traditional IRA $62,000 or less $101,000 or less
ROTH IRA
Single
$120,000 or less $189,000 or less
Married Filing Joint
If a taxpayer’s 2018 MAGI exceed the above amounts, they may still be eligible to make a partial contribution.
Distributions For distributions from a Traditional IRA, timing is everything. If you take a distribution before age 59 ½, you will be taxed and penalized (unless certain circumstances apply). Once you reach 70 ½ years old though, the IRS requires the account owner to begin taking minimum distributions. These are called Required Minimum Distributions (RMDs). An RMD is calculated for each IRA account by dividing the prior December 31st market value by a life expectancy factor published by the IRS. Failure to take your RMD may result in a penalty equal to 50% of the RMD! In contrast, Roth IRAs do not require withdrawals until after the death of the account owner. Consolidate your accounts If you have multiple retirement and investment accounts, consolidating your assets with Hills Bank can make it easier for you to keep track of your money and manage your investments. With Hills Bank serving as your investment manager, you’ll be able to see the big picture and guard against unwanted investment overlap. Reviewing your portfolio’s asset allocation and periodically rebalancing your portfolio will be a lot easier. What’s more, it only takes one call to Hills Bank when you have questions or concerns about your money.
To talk to a Hills Bank Trust and Wealth Management Officer about your retirement, call 1-800-899-8858 or visit us at https://www.HillsBank.com/RetirementPlanning
Investment products are not a deposit, not FDIC insured, not insured by any federal governmental agency, carry no bank guarantee, and may go down in value.
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Friends Club News
Enrollment Eligibility Enrollment will be open only to Hills Bank and Trust Company Friends Club members; however, a Friends Club member who would typically be a single occupancy is allowed to bring one guest. In rare occasions, a Friends Club household (two members) may bring a non-member couple on the trip if the trip has been promoted for at least three months to members and rooms are still available. After the same guest travels with Friends Club on three extended trips, the guest will be invited to join Friends Club and continue traveling with the group. Parking Day trips depart from and return to Hills Bank on Blairs Ferry Road in Cedar Rapids and the Johnson County Fairgrounds in Iowa City, unless otherwise noted in the payment letter sent to each registrant. Parking at these locations is free. Extended trips will depart from and return to designated locations in Cedar Rapids and Iowa City, which will be noted in the trip information provided to each registrant. Itinerary, Payment, and Motorcoach Seating If registered for a day trip, a payment letter with trip itinerary and a prepaid envelope will be mailed to each registrant. The letter will be sent at least a month prior to the day trip. A bus seating list will follow, mailed separately. Please call to request information for extended travel. Health and Medical Issues We welcome all travelers but request that participants be in good health to join the trip. Hills Bank Friends Club offers tours to exciting destinations worldwide. In some places, there are very limited accommodations for wheelchairs, walkers, or people with limited mobility. If you have specific mobility needs, please call or email Friends Club with inquiries. Any condition that may require assistance or special medical attention must be reported at the time a reservation is made. Cancellations If a cancellation is necessary, please find a replacement, or contact the Friends Club to see if there is a waiting list and a replacement can be found for you. Refunds for cancellations or inclement weather are not guaranteed due to nonrefundable circumstances, such as pre-purchased tickets and reservations. If an event, day trip, or extended trip is cancelled due to insufficient reservation numbers, a full refund will be issued. For extended travel that uses an outside travel agent, Friends Club will adhere to the written cancellation policy of the agent. Waiting List Events, day trips, and extended travel may have a waiting list. We appreciate your understanding and willingness to be on the waiting list. Do not be discouraged, you may get a call to join us! Policies/Procedures Friends Club
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4th Quarter 2018
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