Highlights & Happenings Member FDIC Equal Housing Lender May 2016

H&H_May2016

5K to Honor Milford Veterans The Milford Bank will host its 2nd Annual Milford Moves Walk/Run on Sunday, June 12th. The course will start at Gulf Beach, lead everyone through the scenic Milford Green and back. This family-friendly event is a fundraiser honoring Milford’s Veterans. Everyone, regardless of fitness level is welcome to par cipate. All profits raised will be donated to local veteran’s groups. All par cipants will receive a race T-shirt and photograph. Awards will be presented to the overall male and female winners, along with age category winners. All entrants under the age of 18 will receive par cipa on recogni on. Registra on is available online at milfordmoves.com. The Milford Bank is currently seeking co-sponsors of the race. Sponsorship begins at only $250 and will include free adver sing. If you would like more informa on, please contact Jorge San ago at 203-783-5700 or jsan ago@milfordbank.com.

Some Recent Anniversaries—Congratula ons!

Marge Denhup 26 Years Jody Byron 15 Years Paul Portnoy 11 Years JoAnn Sabas 6 Years Nicole Carrasco 5 Years Peter Deleo 5 Years

Save Money Planning Your Vaca on! Vaca ons can be expensive—they o en involve plane fare, hotels and lots of restaurant meals. Here are some sugges ons by US News and World Report to make your next getaway more affordable, whether you’re headed far out of town or staying close.

Travel During Slow Periods Avoiding the most popular mes for your des na on can dras cally reduce your costs. If you’re going to the beach, for example, try to go in the late summer or early fall.

Look for Coupons Coupons aren’t just for grocery stores; you can o en find deals on vaca on ac vi es, like parasailing, if you search before your trip. If you’re a member of a group such as AARP or AAA, you might also be eligible for discounts, as long as you remember to ask ahead of me.

Leverage Twi er Create a Twi er account dedicated to following travel deal sites and airlines. They o en tweet informa on about regular and flash sales, which some mes only last a few hours.

Pack Lightly Many airlines charge for checking suitcases, so consolida ng clothes and other items into one bag for all family members can help reduce costs. If you have young children and are bringing their car seats, traveling with just one suitcase will also make it easier when naviga ng the airport.

Con nued on the next page.

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Highlights & Happenings

Save Money Planning Your Vaca on! (part two)

Bring Entertainment If you’re traveling with li le ones, pack some entertainment for the flight or ride. Some op ons are e-books, regular books and DVDs borrowed from the library before your trip. Older children can make their own choices about what to bring and can help keep track of items so they don’t get lost along the way.

Go Camping Campsites o en cost $30 or less a night, which is much less than hotels. If you have some basic supplies, including a small tent, you can explore new areas on a small budget.

Take a Road Trip Skipping flights altogether and reaching your des na on by car is one affordable approach, especially for large families that would require mul ple plane ckets. Also, pack food for the road in a cooler to avoid costly pit stops.

Take a Day Trip A getaway doesn’t have to include a sleepover. With a li le research, you could probably find lots of local a rac ons that you haven’t yet visited.

Think about planning ahead for next year with a Vaca on Club Savings Account with The Milford Bank. Small weekly deposits can add up to a larger budget to spend next year. (No minimum balance or service charges. Penalty for early withdrawal.) Stop by any office to get details or open your account today!

Tips to Avoid Home Repair Fraud Now that the weather is warmer and the days are longer, you may be planning to make some updates or repairs to your home. Here are some ps to help you avoid becoming the vic m of fraud:

Always compare es mates carefully; the lowest bid or price is not always the best one. Always get es mates in wri ng. Never agree to get your own permits; this will make you directly responsible for everything. Never be pressured into making hasty decisions. Never accept someone’s offer to take you to the bank to withdraw money for any reason. Never fall for phone or door-to-door offers of free es mates, home inspec ons or “special deals” of any kind. Never pay cash. Never pay for unfinished work or jobs that have not been inspected.

Seniors are the most at-risk when it comes to fraudulent contractors and home improvement scams. Why are they preyed upon more than other types of homeowners? First, seniors own more than half of all the financial assets in the United States, making them prime targets. 30 percent of all scam cases in the United States list seniors as vic ms. Most importantly, if the remodeling job doesn't feel right to you, then you should not proceed. You have a three-day window a er discussing the project with the contractor to rescind, and it is completely within your consumer rights to do so. So do not hesitate or be in midated by the contractor if you feel uncertain about the project and want to rethink having it done. References: Homeadvisor.com, Home Builders Associa on of America, State of Florida Department of Elder Affairs