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Banking Finance
March Special Section
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Sponsored Section • Banking & Finance
March 2018
How to be ‘money smart’ in a digital world (BPT) - Modern digital technology has replaced landlines, television antennas, VCRs, CDs and many other things that were once part of our daily lives - and the next thing to go may well be cash. A few years ago, the idea that we would no longer use cash would have seemed outlandish, but it’s happening right before our eyes. A 2016 Gallup poll found only 24 percent of Americans made all or most of their purchases with cash, compared to 36 percent five years ago. Plus, according to a recent U.S. Bank Cash Behavior Survey, more consumers say they prefer the use of digital apps to make payments versus cash. Digital payments, specifically person-to-person (P2P) payment technologies, have made it fast, safe and convenient to send and receive money from a mobile device. Where once people exchanged cash, they are increasingly sending money to one another via P2P technology services like Zelle(R), which connects the nation’s leading financial institutions to enable consumers to send fast payments to friends, family and people they trust. If you haven’t already joined the 100K consumers, on average a day, who are signing up to use P2P payments, the experts at Early Warning Services, the network operator of Zelle(R) - offer three ways to be “Money Smart” in a Digital World: * Speed - When rent is due, or someone’s birthday is coming up, time and money are critical! Don’t send money that will take days to get to someone or could get lost/stolen at the post office. With Zelle you can
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safely send money, typically within minutes when both parties are already registered. * Simplicity - Using Zelle makes it easy to send money to friends and family with a bank account in the U.S. - whether you’re using your banking app on your phone or the online banking portal on your laptop, you can pay friends back or request money from family wherever you are and without ever looking for an ATM. * Safety - Make sure you only send money to peo-
1.75% APY* Minimum deposit $1,000.00 2.05% APY* Minimum deposit $1,000.00 2.20% APY*Minimum deposit $1,000.00
* Annual Percentage Yield (APY) effective 03/07/2018. 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
ple you know and trust, and make sure you type in their phone number or email address accurately when you send funds. By only sending money to people you’re already familiar with, you help to mitigate your chances of falling victim to scams. Are the days of wrinkly dollar bills and trips to the ATM over? Maybe, maybe not - but as more people switch to mobile payments, the convenience, security and ease will revolutionize the way people exchange money.
Spring clean your financial house This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Spring is here – so spring cleaning can’t be far behind. This year, why not also spruce up your financial environment? For starters, look for ways to “de-clutter” your investment portfolio. If you own too burns many of the same type of investment, you may be better off by selling some of them and using the proceeds to pursue new opportunities. Also, think about how you could better organize your investment and retirement accounts. For example, if you have IRAs with several providers, you may save on fees and paperwork by consolidating them with one provider. And this move could make it easier for you to follow a single investment strategy. Finally, just as some needed repairs can help protect your home, you may need to take steps to guard your financial independence – and that of your
family. Specifically, make sure you have sufficient life and disability insurance. Consider putting these “spring cleaning” suggestions to work. They may help you keep your financial house in good shape for all the seasons to come. This is Chris Burns, your Edward Jones financial advisor in North Forsyth. Call my office at 770-205-1579.
March 2018
banking & finance • Sponsored Section
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Representatives of the Johns Creek police pose with American Commerce Bank staff
Fourth Annual Torch Run announced by Johns Creek Police Department and American Commerce Bank Local banks succeed as their communities succeed. American Commerce Bank in Johns Creek continues a 2018 campaign to raise its profile and community commitment across the markets it serves. Carlos Laverde, ACB’s Atlanta market president, is pleased to announce that that bank will serve as title sponsor for the Johns Creek’s Torch Run again this year. The Johns Creek Torch Run is organized by the Johns Creek Police Department in support of Special Olympics Georgia. The 5K event, which will take place at 8AM on Saturday, April 14th at Shakerag Park, is a dog, stroller and walker-friendly run. It’s also a USATF certified course, which makes it a Peachtree Road Race qualifier. “Partnering with the local police department on this worthy fundraiser is both a great honor and a fun community event. It fits well with our commitment to invest in Johns Creek.” Corporal Tyler Seymour and others on the Johns Creek police staff first organized the event four years ago. “We started this fundraiser because
we wanted to support the mission of Special Olympics. “We are grateful for American Commerce Bank and their commitment to the top sponsorship level again this year. It says a lot about the bank’s commitment to be a real community partner”. Beyond serving the local community by way of sponsorships, American Commerce Bank specializes in banking local non-profit organizations. “Our deposit service products, including CDARS and ICS which provide FDIC insurance coverage for large institutional balances, are ideal for organizations looking for high market rates on fullyinsured balances”, says Laverde. We are fortunate to have branch staff who are familiar with the needs of non-profit organizations. For more information about the Johns Creek Torch Run, stop by the American Commerce Bank branch at 10690 Medlock Bridge, or visit www. johnscreeksfinest5k.com. American Commerce Bank is a fullservice financial institution with offices in Johns Creek, Bremen and Tallahassee, FL.
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American Commerce Bank proudly supports the 2018 Annual Giving Campaign
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Sponsored Section • Banking & Finance
March 2018