Appen Media Group
August Special Section
2 | August, 2018 | NorthFulton.com | ForsythHerald.com
Banking & Finance• Sponsored Section
Hints to help you have more comfort at less cost Put excess cash to work After years of sitting at historical lows, short-term interest rates now have risen to more attractive levels. Should you consider investing some of your excess cash to take advantage of these higher rates? There’s no simple answer. You still need to own a mix of stocks and bonds that’s appropriate for your goals, time horizon and risk tolerance. Burns Plus, you’ve got to have enough cash available to make any investment-related moves. Are you comfortably meeting your daily cash-flow needs? For example, do you have three to six months’ worth of living expenses set aside in an emergency fund? Are you also setting aside some cash for a shortterm goal, such as a vacation? If you have met these needs and you still have excess cash, you may indeed want to consider putting some of it to work, possibly by investing in those shortterm fixed-income vehicles now offering higher rates. So, take the time to review your situation with a financial professional. Holding adequate cash is important, but hanging on to too much involves its own risk – the risk of not investing. Please contact Chris Burns, your Edward Jones financial advisor in North Forsyth, at 770-205-1579.
Compare Our CD Rates Bank-issued, FDIC-insured
(NAPSI)—When the temperature’s rising, your energy costs don’t have to. These tips from the U.S. Environmental Protection Agency can help: 1. Keep the Heat Out and the Cool In—Sealing and insulating your home can save you up to $200 a year in utility bills. Find and seal air leaks with spray foam, caulk and weather stripping. Seal and insulate the cooling system ducts in your attic. Considering new windows? ENERGY STAR certified windows have coatings that let in light but keep out heat. Replacing old windows with these lowers household energy bills 12 percent on average. Also, keep shades down and drapes closed. 2. Maintain Your Cooling System—Have a contractor check and clean evaporator and condenser airconditioning coils, check your central air conditioner’s refrigerant level and adjust if necessary, and clean and adjust blower components. Inspect, clean or change your system’s air filter every three months. 3. Need a Room AC?—If you’re getting a room air conditioner, be aware that models with the ENERGY STAR label have been independently certified to deliver energy savings, comfort, and improved sealing and insulation. On average, they cost as little as $70 per year to run. A room air conditioner with connected functionality can: • Turn off the unit remotely using your phone or computer; • Schedule changes to temperature settings based on your needs; • Get feedback on the energy use of the product.
1-year
2.35% APY*
Minimum deposit $1,000
2-year
2.80% APY*
Minimum deposit $1,000
3-year
3.00% APY*
Minimum deposit $1,000
* Annual Percentage Yield (APY) effective 8/9/2018. CDs offered by Edward Jones are bank-issued and FDIC-insured up to $250,000 (principal and interest accrued but not yet paid) per depositor, per insured depository institution, for each account ownership category. Please visit www.fdic.gov or contact your financial advisor for additional information. Subject to availability and price change. CD values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover losses in market value. Early withdrawal may not be permitted. Yields quoted are net of all commissions. CDs require the distribution of interest and do not allow interest to compound. CDs offered through Edward Jones are issued by banks and thrifts nationwide. All CDs sold by Edward Jones are registered with the Depository Trust Corp. (DTC).
Chris Burns Financial Advisor 5285 Lake Point Center Drive Suite A Cumming, GA 30041 770-205-1579
www.edwardjones.com Member SIPC
Choose the right size AC. An oversized unit will only remove some of the humidity, leaving the room with a damp, clammy feeling. When installing an AC, follow the instructions and use the insulation materials included. 4. Get Set for Savings—Install a new ENERGY STAR certified smart thermostat for energy savings with environmental benefits, reliable performance, and convenience, insight and control. A Wi-Fi-enabled thermostat can automatically adjust heating and cooling temperature settings for optimal performance. For more information and tips, visit www.energystar.gov/cooling.
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Banking & Finance • Sponsored Section
Ed and Pilar Modzel stand with American Commerce Bank market president Carlos Laverde
Funding ambition If you think borrowing from a bank these days is complicated enough, try borrowing to renovate a 40-unit apartment building in a new city without the benefit of a banking relationship. That was the challenge facing Ed and Pilar Modzel when they opted to take on renovation of a 46,000 sq.ft. commercial property in East Point earlier this year. The Modzels had relocated to Atlanta from New York, and were just getting familiar with their adopted hometown when they discovered the property by way of real estate agent Johnny Easterling. “While the units were in need of renovation, the property itself had great potential in the hands of capable managers” says Carlos Laverde, Atlanta market president for American Commerce Bank. “The Modzels were new to the area, but it was obvious that they understood the opportunity of this project and they were determined to make it work”. The Modzels had not yet struck up any sort of lending relationship when they were introduced to American Commerce Bank’s office in Johns Creek. The bank’s
lending staff was not only able to finance the project for the Modzels, its treasury services staff also outfitted the businesses’ rental office with a remote scanner to deposit tenant payments. Said Ed: “I can manage all of my finances now without ever leaving my office. In a competitive environment like Atlanta, I was pleased with the approval process at American Commerce Bank and the terms were very competitive. I was excited that we were able close the deal so quickly”. So why is this news? Because the business of banking, despite its sometimes-intimidating challenges, is still about people helping people. And at American Commerce Bank, helping customers succeed is how the bank has built its own success story. ACB offers customized lending, treasury services and market-leading deposit products. For more information about American Commerce Bank, stop by their branch at 10690 Medlock Bridge Road or visit www.AmericanCommerceBank. com.
NorthFulton.com | ForsythHerald.com | May 17, 2018 | 3
4 | August, 2018 | NorthFulton.com | ForsythHerald.com
Banking & Finance• Sponsored Section
Your Local Sports Podcast! Listen at NorthFulton.com/podcasts