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410.768.7800 | February 2016

Welcome to the first issue of the Vision and Strength newsletter. The stories in the newsletter will provide unbiased, useful information on financial, lifestyle and security topics that affect you and your family. We hope you will find the articles relevant, interesting and enjoyable.

The Vision and Strength newsletter will initially be sent on an every other month publication schedule. We welcome feedback from you if you�d like to see it more often�..or, less often! After all, this newsletter is for you and we encourage you to discuss and share its contents with us, your friends, family or anyone you want.

Since we don�t want to clutter up your inbox with unwanted email, please use the �opt out" feature at the bottom of the email if you wish to be removed from our email list. We won�t continue sending the newsletter if you ask us not to.

Arundel Federal welcomes and encourages customer feedback. You can let us know what you think by writing to and we will listen carefully to your comments and views.

Thank you for letting us be your bank and we look forward to earning your business every day.

Dave Costello, President

Late to the Retirement Savings Party?
Simple first steps for those nearing retirement age but don�t have savings

A recent survey of near-retirees by the Employee Benefit Research Institute and Greenwald and Associates found that around one-third of workers have less than $1,000 saved up for retirement. Saving often and early is the best advice given for retirement planning, but what happens if you are part of that one-third of workers already stumbling upon retirement with little to no nest egg? There are a number of ways to get your savings started. Here are just three of the most basic:

Tips for Getting Your First Mortgage
What to know when buying your first home

So you think you�re ready to take the plunge and purchase your first house. Congrats! Homeownership is a big, exciting step � but getting your first mortgage can be quite complex, involving many steps. That�s why it�s important to prepare as best you can before shelling out the down payment.

What Is a Federal Pell Grant
A basic guide to Federal Pell Grants

Paying for a college education typically requires pooling money from a variety of sources like scholarships, loans, savings accounts, financial aid packages and work study programs, just to name a few. One excellent source of funding for those who qualify is a Federal Pell Grant. Here is some basic information to help you understand how these work.

Watch Out for This Chip Card Scam
Make sure you don�t fall victim to this chip card scam

The country is progressing quickly on the path to replacing magnetic strip swipe cards with new, more secure chip cards. The switch to chip cards marks an effort to improve security and prevent fraud and identity theft.

Foods You Should Always Buy Organic
Five foods to purchase organic in the new year and beyond

If you are one of the countless Americans who have resolved that 2016 will be the year in which you finally begin to tighten up your diet, you have certainly been spending more time in the produce aisle at your local grocery.

Visit Austin, Texas
Escape cabin fever and experience the great outdoors in Austin

The Lone Star state is the perfect place for a lavish vacation, and its capital is no exception. This unique city, which bills itself as the Live Music Capital of the World, offers many types of entertainment for every visitor.

Published by Arundel Federal Savings Bank
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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