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May 2011 Tulip Time March 27-april 4, 2012 Discover picturesque Holland and Belgium in the spring on this marvelous river cruise vacation! Admire the colorful tulip carpets and flower displays; stroll amidst Kinderdijks’ lush green countryside dotted with world-famous windmills; taste the famous local cheeses and learn about the traditions of the friendly Dutch and Flemish people. In Belgium, admire the great medieval cities of Antwerp, Ghent and Brugges. Pricing begins at $3,075 per person and includes roundtrip airfare and airport transfers, air taxes, cruise, gratuities, cancellation/interruption insurance and more. Call Lois or Chris for a complete itinerary. Southeast Asia & China Spring is here and how much fun is it to clean out the closets, drawers Visit exotic ports and experience the and computer files. As I cleaned mysterious cultures of the Orient while out my files both at the office and only unpacking once for this sensational at home I had so many wonderful voyage aboard the Diamond Princess! flashes of memories of all the travel in the past 26 years. It is so amazing to see the places we have visited and the friends we have made. Life is You’ll board the Diamond Princess in awesome when you get to share memories with others. As I run errands, Beijing and sail to Singapore with stops I find most everyone you run into has been somewhere or another in the in 5 countries featuring exciting ports world and has great adventures to share. The best part of life is sharing with family and friends. of call in South Korea (Pusan), Japan (Nagasaki), China (Shanghai & Hong We are going to create more wonderful memories with the new trips in Kong), Thailand (Bangkok) and Vietnam this newsletter. You have asked for more day trips and wait until you see (Nha Trang & Ho Chi Minh City). This this calendar of events. The Motor coach trips are always fun so we added action packed itinerary also features an the fall foliage in the West Virginia area with one of Classic favorite things optional overnight land package into the to do; riding the rails. Of course staying at the Greenbrier is an experience ancient temples and palaces of Angor Wat in itself. A Slice of the Big Apple in November so that we can spend 5 days 4 nights experiencing New York just how you always wanted. We in Cambodia. love that so many of you want to travel to Hawaii and to accommodate This trip is unlike any we’ve ever done into everyone we have added a February departure. We have included more Asia, call for the complete itinerary! on this land and cruise vacation and I know you will appreciate that. On the front page is our Tulip Time Cruise through Holland and Belgium and if you love springtime and gardens this is the trip for you. We are looking forward to traveling with you on any of our day or extended Classic Tours. Charlie and I in St. Peters Basilica with the Classic Rome and Amalfi Coast tour in March. October 7 - 27, 2011 2 Strong Roots. Endless Possibilities. Do I Still Need A Trust? Q : I understand that the federal estate tax exemption is now $5 million. That’s well above my wealth level. Do I still need a trust? A : Trusts provide for more than simple tax savings. When managed by a corporate fiduciary, such as Central Trust & Investment Company, trusts also come Gift & generation-skipping transfer taxes. The amount exempt from federal gift tax was $1 million with professional investment management, tax filings and in 2010. That figure jumps to $5 million for gifts in 2011. administrative decision-making. Trusts are fundamentally The exemption from the generation-skipping transfer tax about protecting wealth from a wide variety of corrosive goes to $5 million as well. Just as with the estate tax, these forces, of which death taxes are but one. higher exemptions expire at the end of 2012. After that, current law provides for a top gift tax rate of 55%. That Finally, the new $5 million exemption from the federal fact, coupled with depressed asset prices, has many estate estate tax lasts for only two years, 2011 and 2012. Will it planners suggesting that their clients consider carefully the be continued after the next Presidential election? Don’t advantages of an aggressive program of gifting in the next bet your family’s financial security on it. two years, restructuring family wealth on a tax-advantaged basis. New estate tax uncertainties If you have questions regarding estate or investment Last year’s bipartisan compromise over extending the planning, please contact our professionals at Central Trust “Bush tax cuts” included taxpayer-friendly changes to the and Investment Company at (573) 634-1397. federal estate tax. The amount exempt from this levy was set at $5 million. It had been $3.5 million in 2009 and would have gone to just $1 million in 2011, absent the If you’d like a second opinion compromise. In addition, the top estate tax rate was set at regarding your current investment 35%, down from the 45% rate in 2009 and far less than the or estate plan, please contact Jill scheduled 55%. The 5% surtax on estates over $10 million Dobbs at Central Trust & Investment was not renewed. Company (573) 634-1397. For many taxpayers, these changes could mean that softening the impact of the federal estate tax is no longer a significant factor in estate planning. In fact, it’s been estimated that there will be fewer than 3,000 federally Central Trust & Investment Company Staff taxable estates in each of the next two years. On the other hand, what happens in 2013? The debate over lifting the exempt amount was contentious, and deficits are not projected to be lower in two years. As the law stands today, we will return to the $1 million exemption and 55% top estate tax rate after 2012 unless Congress acts. Estate planning needs to be done with a longer time horizon. Left to Right: Debbie VanLoo, Andrea Howerton, Michelle Meyer, Bill Max, Gloria Johnson, Jill Dobbs, Matt Tolksdorf, Mike Prenger, Amber Hall, Brian Dent, Amparo Thomas, Lisa VanVranken www.centralbank.net 573-634-1110 3 “Is it time to look at Missouri Municipal Bonds?” We’ve all seen and heard the headlines: • “WARNINGS FROM S&P ON MUNIS” WSJ 1/24/11; • “THE FUTURE OF MUNIS” CNBC interview with Suzanne Shank; • “MUNI MARKET FREEZE SCREAMS DANGER AHEAD” John Carnie, Senior Editor CNBC.com 3/9/11. So what is a conservative municipal (muni) bond investor Does this mean that all Missouri muni to do? Be paralyzed by “headline fear” and held hostage by news outlets or look for value in the Missouri municipal bond issues are created equal? bond market? Unfortunately, not every municipal bond issued in the state basks in Missouri’s AAA glow or is even a rated issue. This does not mean that the issues are unfavorable. Missouri Muni Bond Advantages Smaller municipalities, many times, don’t want to incur Perhaps the most striking benefit of Missouri munis is the additional expense to have a bond rated or insured. that earnings are exempt from both federal and state To determine the more desirable bonds available, talk income taxes (to Missouri residents). However, for to your financial advisor about the strength of the certain investors, earnings may be subject to local taxes underlying issuer. or the Federal Alternative Minimum Tax. Missouri Revenue bonds pay interest payments only from the munis allow attractive tax-equivalent income. To provide revenues of specific projects, i.e., a water treatment comparable taxable income, one in the 35% tax bracket facility or a water and sewer project. Municipalities would have to find a taxable bond yielding 7.69% to equal utilize revenue bonds to avoid reaching debt limits set by a 5% tax free yield. legislation. General obligation bonds are backed by the taxing ability of the issuer, for example, a city, county, state. The AAA Advantage Missouri recently received the highest credit rating a state can receive from Standard & Poor’s, AAA. According In closing: to the Kansas City Star, Missouri owns a “triple-triple” With dramatic headlines, the entire muni market reacts – “the highest mark from the three big rating agencies: affecting the AAA rated issues along with the non-rated S&P, Moody’s and Fitch.” Higher credit ratings for states ones, the well-managed states along with the fiscally mean the same as they do for individuals – lower rates challenged. Until state budget-setting processes are and better terms on borrowed funds. Missouri’s highways, completed, expect negative headlines and continued bridges, and other state projects can be financed at volatility. Watch for increased tax revenues as state more favorable rates meaning it costs the state (and its economies continue to improve and spending cutbacks go residents) less. It also means that Missouri’s politicians into effect. and state officials have managed state coffers effectively. By way of due diligence and investigation of non-rated Other states have not fared so well and consequently Missouri issues and the comfort of AAA rated Missouri suffer rating cuts and more expensive costs. municipal bonds, your muni bond portfolio can continue Missouri is one of 8 states enjoying the AAA rating. to provide consistent, tax-exempt income. 4 Strong Roots. Endless Possibilities. November 10-14, 2011 We are offering a perfect way to see the Big Apple on this 5 day/4 night tour. It includes deluxe lodging, a fantastic Broadway show, landmark sightseeing tours, and some free time to use New York’s famous Double-Decker buses to help you find the city’s hidden gems, whether you want to shop on 5th Avenue, stroll Central Left to right: Bill Graves, Joanne Scheperle, Linda Jansen, Jeff Boessen Park or take in all the awe-inspiring views. Included in this tour Stop by for a muni bond review. Your financial advisor will be 4 nights hotel stay, 4 breakfasts, 2 dinners, guided tour of can help you identify strong, quality government issues. Manhattan Island, visit to 9/11 Memorial, Phantom of the Opera Information contained in this material has been show on Broadway, and the 24 hour double-decker narrated obtained from sources considered to be reliable, but not sightseeing tour and hop-on/off city pass, roundtrip airport guaranteed to be accurate or complete. All expressions of opinion are not necessarily the opinions at INVEST transfers in New York, round trip transfers to St. Louis Lambert Financial Corporation. airport, gratuities, taxes and fees on included items, baggage handling and trip cancellation/trip interruption insurance. All this INVEST is not affiliated with InvestorServices or the bank and does for only $1650 per person. Deposit of $250 will reserve your not offer tax advice space, so call for the complete itinerary. INVEST Financial Corporation is not affiliated with InvestorServices or Central Bank. Securities and insurance products offered through INVEST Financial Corporation, member FINRA, SIPC, a registered Broker Dealer and its affiliated insurance agencies are not FDIC insured; not deposits of or other obligation or, guaranteed by any bank; not insured by any federal government agency; and subject to risks, including the possible loss of principal amount invested. www.centralbank.net 573-634-1110 5 West Virginia, rails, Music & The Greenbrier October is the perfect month to explore the breathtaking scenery and witness Mother Nature’s true beauty. As you relax at the five-star Greenbrier Resort for a two-night stay, you will be welcomed into a world of grandeur and renowned hospitality. You will enjoy the magnificent grounds, tour the January 26 - February 5, 2012 (SOLD OUT) former top secret Cold War era Bunker or take a February 16-25 (Space Available) relaxed visit to the luxurious spa. For more than 230 years, The Greenbrier has welcomed travelers to its This exclusive tour will include a pre-cruise stay in lush, 6,500-acre estate. Visitors still come to marvel at the classic architecture, exquisite interior design, famous Waikiki Beach with a trip to the USS Arizona carefully sculpted landscape, impeccable service and Memorial and a Honolulu City Tour plus all transfers, outstanding amenities. On this tour, you will enjoy airfare, taxes, onboard gratuities and even three shows like “Bluegrass with a Twist,” “American shore excursions during the cruise! Music through the Ages” and a variety show at the American Mountain Theater. You will ride the New We’ve packaged up the ultimate Hawaii tour allowing Cheat Mountain Salamander to the High Falls of ample time at all four islands on the itinerary (Hawaii, the Cheat River, then continue 21 miles across the Maui, Kauai & Oahu) including overnight stays in top of Cheat Mountain. You will enjoy an afternoon Maui and Kauai and two ports of call on the Big ride on the Durbin Rocket, one of the rarest Island! Waimea Canyon & Fern Grotto, Haleakala, steam locomotives in existence. Then, stop at the Volcanoes National Park & Hot Lava Orchids are Cranberry Glades, a 750 acre park created by glacial just a few of the things you will see on the included action over 10,000 years ago. Here, you’ll experience a very different eco system. This is a unique trip, and tours! if you are interested Featuring 14 restaurants and 9 bars and lounges, you can call Classic the Pride of America is a destination unto itself. This today for a complete tour has many highlights, but there aren’t many times itinerary. you can see the sights of Hawaii in such a leisurely setting with the added bonus of unpacking only once as you cruise the warm waters of the Pacific Ocean. If you ever wanted to see the best of Hawaii, this is your chance! Join your Classic friends for this unique, customized tour featuring the best of Hawaii and the splendor of the Pride of America. October 23-29, 2011 6 Strong Roots. Endless Possibilities. CLASSIC Memories Great Times with Classic! www.centralbank.net 573-634-1110 7 Central Bank Insurance Agency Your single source for Automobile, Home, Renters, Umbrella, Health, Life, Long-Term Care, Commercial, Bonds and Medical Supplement Insurance. I bet you think insurance is boring. Well it’s not all of the time. Over the past few years, we have been sharing safety tips for your home and vehicles. We have shared many bits of insurance information. So now, let’s have some fun! aTlas GiVeaWay! We have five large atlases to give away. They will go to the first five who complete this crossword puzzle correctly and provide us with the information that we need to quote your personal insurance. MISSING WORDS PrICe eIGHT AGe AUTo reNeWAL oH ProPerTY ProoF UmbreLLA CoLLISIoN From CALL No UNDer CAr Home CreDIT GASoLINe Free rePLACemeNT CLAIm When you have your information together, you may contact us at Central Bank Insurance Agency. 111 E Miller St., Jefferson City, MO. We are conveniently located on the first floor of the Central Bank Financial Center. Or call us at 573-634-1141 or 573-634-1144, our fax number is 634-1159. You may e-mail us at firstname.lastname@example.org. 8 Strong Roots. Endless Possibilities. Down Across 1) Keep the sidewalks and entrances to your home free 3) Insurance is NOT just about _________. _________snow and ice. 6) When you renew your vehicle plates you are required to 2) Does my homeowners policy cover damage caused if a tree show ________of insurance. on my property fell on my car? ____ 8) Insurance is not a one size fits all product. Don’t wait 4) ________Cost Value is the estimated amount needed until you have a _______ to find out that you don’t have to replace/rebuild your home with the same like kind and what you think you have. quality as before your claim. 9) Under your vehicle insurance, most companies will 5) One tip for being prepared for winter driving is to keep at extend coverage to a rental ________. least half a tank of _________in your car at all times. 10) A Personal _________ Liability policy complements 7) For your ________, no-obligation review and quote of the coverage you currently have on your automobile, home your insurance, simply call Central Bank Insurance Agency and other primary policies. at 634-1141. 12) Tickets and accidents strongly influence your vehicle 8) Lititz Mutual is the only company that we write insurance rate. You may want to increase your deductible homeowners coverage with that does not consider for comprehensive and _____________. ________ as a rating factor. 13) We provide insurance to protect your entire family. 10) If someone does not have insurance they are uninsured. From a young driver to a business in the ________. A driver who has inadequate liability coverage is ________ 17) When driving in bad weather, you have more control insured. of the wheel if your hands are at the _________and four 11) The best time to start getting quotes for your insurance o’clock positions. is as soon as your receive your ________. 18) Contents belonging to you and family members of your 14) _______-Owners Insurance Company offer discounts home are called personal _________. to Central Bancomany employees. 19) Give central Bank Insurance Agency a ________for a 15) If your child is a full time student under the ______ free, no-obligation review and quote of your insurance. of 21 and has a GPA of a ‘B’ or higher, they could receive a discount on their car insurance. 16) State Auto Insurance Companies Corporate headquarters is in Columbus ______. Your Central Bank Insurance representatives are (from left to right): Darlene Hurst, Debbie Backes, Larry Mertens and Brenda White. We are all fully licensed and we offer over 100 years of combined experience. www.centralbank.net 573-634-1110 9 CLASSIC DAY TRIPS Dirty Rotten Scoundrels - June 18 of down home country humor, true The Little Theatre – Miller Performing Arts Center emotion, and even some audience Book by Jeffrey Lane. Music & Lyrics by David Yazbek. participation and includes many of Directed by Gara Loskill. Patsy's unforgettable hits such as Don’t miss this hilarious Broadway musical, based on the film by Crazy, I Fall to Pieces, Sweet Dreams the same name, in which two fraudsters, Lawrence Jameson and and Waking After Midnight…27 songs Freddy Benson, are living in a town not quite big enough for their in all. You'd be "Crazy" to miss this scheming ways. They decide to set up a challenge, and agree that Lyceum favorite! Departure is set for the first person to steal $50,000 from Christine Colgate will get to 8:00 a.m. from Walmart Stadium Drive stay in town. 6:00 p.m. cocktails at Motor Bank (poolside weather near Central Bank ATM and it’s off to permitting) and show time is 7:00 p.m. Cost of $15. Isle of Capri in Boonville for lunch and then the afternoon matinee at Arrowrock Lyceum Theatre. Cost is Joseph and the Amazing $45. Technicolor Dreamcoat - July 6 at the New Theatre Restaurant Move Over Mrs. Markham By Sir Andrew Lloyd Webber and Sir Tim Rice. October 26 New Theatre in Overland Park Kansas Based on the “Coat of Many Colors” story from the Two time Emmy winner Loretta Swit, best known for eleven Bible’s book of Genesis, this upbeat musical is set years she spent playing Major Houlihan on M*A*S*H, stars in to an engaging cornucopia of musical styles, from this chaotic comedy. On display are the trials, tribulations, and country-western and calypso to bubble-gum pop and romantic misadventures of two book publishers, their wives, an rock ‘n’ roll, this Old Testament tale emerges both interior designer, a maid, a children’s book author, a management timely and timeless. With its family-friendly storyline, consultant, and a telephone operator, as they all converge on the universal themes, and catchy music, it is a musical same elegant apartment on the same warm summer evening. Join theatre event not to be missed. From the composer your Classic friends as we laugh our way through the day. Cost for of Phantom of the Opera, Evita and Cats. Cost is the day including lunch is only $65 and we depart at 8:00 a.m. $65 and includes lunch, motorcoach and theatre tickets. Bus departs at 8:00 a.m. Tuna, Christmas- November 16 Sound of Music - July 13 In Arrowrock at the Lyceum Theatre Get your holiday season off to a hilarious start with A Tuna At Arrowrock Lyceum Theatre (2 Buses SOLD OUT) Christmas, the hilarious sequel to the hit comedy, Greater Tuna. Come spend the holidays with all your old favorite citizens of Always - September 14 Tuna, Texas, and make some new friends while you're there. Two Patsy Cline in Arrowrock at the Lyceum Theatre Lyceum favorites, along with some split-second costume changes, The Lyceum Theatre transforms into the Grand Old Opry as the portray all 24 citizens of Texas' third smallest town, where the woman who epitomized country music in the late 50s and 60s takes Lion's Club is too liberal and Patsy Cline never dies. This time, to the stage. A song filled evening and an intimate and uplifting it's 24 hours before Christmas and all comic hell is about to break look at the life of country music's most beloved singer, Always… loose as the delightfully eccentric characters attempt to cope with Patsy Cline focuses on the unusual friendship Patsy shared with seasonal traumas such as a disaster prone little theatre production star-struck housewife, Louise Seger. This true story is chock full of A Christmas Carol, and a yard decorating contest that is being 10 Strong Roots. Endless Possibilities. cont... sabotaged by a mysterious Christmas phantom! Departure is set for 8:00 a.m. at Walmart Stadium Drive near Central Bank ATM and it’s off to the Isle of Capri in Boonville for lunch prior to the afternoon matinee. Cost is only $45. Game Show Bristol - August 25 – 29, 2011 November 30 The bristol Night race has long been on the At the New Theatre in Overland Park, Kansas bucket list of many NASCAr fans, and there is Starring John O’Hurley from Seinfeld, Family Feud and Dancing no better time to mark it off than this summer as with the Stars. GAME SHOW is set during a “live broadcast” Classic returns to “The World’s Fastest Half mile” of a fictional, long-running TV game show. It places the theater for two days of tailgating and exciting short-track audience in the role of the TV station audience in which members racing during the 50th anniversary of bristol motor are picked as the contestants to play the trivia-based game and Speedway! win actual prizes. In addition to watching and playing during “broadcast” where anything can and does happen – the audience $995 per person includes tickets to the Food City also witnesses all the backstage back-stabbing antics “behind 250 Nationwide Series race on Friday night and the scenes” that go on during the “commercial breaks” of GAME the Saturday Irwin Tools Night race, 4 nights hotel, SHOW. This is going to be a great day of laughter. Cost is $65 roundtrip transportation, 9 meals and a lot of and includes buffet lunch, show tickets and charter bus and has a tailgating fun at the track with your Classic friends. departure of 8:00 a.m. Next year we will be off to another exciting the Best of Branson NASCAr destination, so don’t miss your chance to see what Car and Driver magazine recently called “one of the 10 events to see before you die”. There November 9th & 10th are a very limited number of tickets available for 3 of the best shows in Branson: this tour as this newsletter goes to print. If you are interested, give us a call to reserve your spot! Daniel O’Donnell Six George Dyer Includes two meals and Don't wait! one night accommodation at the Radisson. Tickets are limited and sell out quickly! Call today for full itinerary!. www.centralbank.net 573-634-1110 11 Pre-SOrT STANdArd Post Office Box 779 U.S. POSTAGe Jefferson City, MO 65102 PAID Jefferson City, MO 65101 Permit #337 CaLenDar thanK YoU MAy 8 St. Mary’s dancing with the Stars 2:00 p.m. $20 for making us one of the MAy 12 Jersey Boys at Fabulous Fox sold out $125 top Banks in the Country MAy 21-22 Iowa NASCAr Weekend TBA (recognition like this isn't possible without customers like you.) JuNe 5-11 Best of Michigan 8:00 a.m. $1075 JuNe 18 dirty rotten Scoundrels at Miller Performing Arts 6:00 p.m. $15 JuNe 29-July 6 Queen Mary 2 varies per cabin July 6 Joseph and the Amazing Technicolor dreamcoat 8:00 a.m. $65 July 13 Sound of Music at Arrowrock sold out $45 July 25-AuG 6 Alaskan CruiseTour sold out SePt 10-22 Alaska discovery Land and Cruise sold out For the second year in a row, the prestigious AuG 25-29 Bristol NASCAr Weekend 8:00 a.m. $995 business publication, Forbes Magazine, has SePt 14 Always. . . Patsy Cline at Arrowrock 8:00 a.m. $45 recognized Central Bank's holding Company, Central Bancompany, as one of America's SePt 21 Classic Picnic at duckhead TBA Best Bank in its annual review of the nation's OCt 7-27 Southeast Asia and China varies per cabin 200 largest financial institutions. Central Bancompany, a Missouri-based bank holding OCt 23-29 West Virginia rails, Music & Greenbrier TBA $1350 company, ranked sixteenth among the top OCt 26 Move Over Mrs. Markham at New Theatre 8:00 a.m. $65 one hundred in the Forbes 2011 survey. Again this year, Forbes partnered with SNL NOV 9-10 The Best of Branson varies TBA Financial to determine the rankings, based on NOV 10-14 A Slice of the Big Apple TBA $1650 eight criteria: return on average equity; net interest margin; non-performing loans; non- NOV 16 A Tuna Christmas at Arrowrock 8:00 a.m. $45 performing assets; reserves; a leverage ratio; NOV 30 Game Show at New Theatre 8:00 a.m. $65 and two capital ratios. 2012 JAN 26-FeB 5 Hawaiian Holiday/Land and Cruise varies per cabin FeB 16-26 Hawaiian Holiday/Land and Cruise MARCh 27-APRIl 4 Holland Tulip river Cruise varies per cabin TBA July 8-17 Irish Scottish & British delight $3299 AuG 21-31 Alaska Inside Passage roundtrip CENTRALBANK.NET | 634.111 | MEMBER FDIC San Francisco TBA Classic living is its own reward. Call 634-1110 to claim your share!
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