Page 15 - AAA Northampton County – AAA Now! – Spring 2019

MEMBER SERVICES
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FOUR REASONS TO MAKE CDS PART OF YOUR INVESTMENT STRATEGY
What’s your investment strategy? Growth? Income? Asset preservation? Any investment strategy should start with a goal – for instance, saving for retirement or funding a child’s education. Your choice of investments to reach this goal will depend upon
your time horizon as well as your appetite for risk.
For most people, their appetite for risk decreases
with their investment time frame. In other words, the nearer you are to your goal, the more you’ll want to reduce risk in your portfolio. And that’s where AAA Certificates of Deposit (CDs) offered through Discover Bank come in, whether those goals are months or years away.
AAA CDs offer a combination of access, liquidity, safety, and growth potential that make them an ideal choice for those looking to reduce risk in their portfolios. With flexible terms and great guaranteed rates, Discover CDs help provide the peace of mind that can be impossible to achieve when your savings are rising and falling in step with potentially volatile investment markets.
• Access – You can purchase CDs in a variety of maturities. The AAA Deposit Program offers terms ranging from three months to 10 years – making it easy to access funds when you need them. Keep in mind, however, that there is a penalty for early
withdrawal, so you’ll want to plan your timing to
match your specific needs.
• Liquidity – CDs offer a greater variety of short-
term investment horizons, making them an excellent choice for anyone seeking both security and liquidity.
• Safety – CDs can be an ideal foil to the volatility of higher-risk assets such as stocks. Prices of bonds and bond mutual funds can also vary considerably since they react to changes in market interest rates. With a CD, however, you can lock in a rate and not worry about losing your principal. And finding the safest place to save is just as important. The savings you hold in AAA CDs are always FDIC insured up to the maximum allowed by law.
• Growth potential – If you need a dependable return on your money, but don’t need your money for a period of time, CDs can be an excellent investment choice. You can also make your savings work harder for you: open multiple CDs with different maturity dates. It’s called “CD laddering” and it’s a great way to take advantage of the best CD rates for longer terms and ensure you have liquidity and flexibility when you need it, since one or more CDs will always be approaching maturity. And when you save with a AAA CD, you can allow
your interest to accumulate in that CD or you
can transfer it to another Discover account. CDs automatically renew when they mature, unless you advise us otherwise.
So, whether you’re investing for the short-term, or looking to lower risk in a longer-term portfolio as you approach your goal, consider including CDs as part of your investment strategy. Plus, AAA members receive preferred member rates on 12, 24 and 60 month CD and IRA CD terms. You should also consider the role that AAA Money Market
and Online Savings Accounts can play in your financial strategies. They offer easy access, highly competitive rates, and the ability to manage your account online, at home, or with Discover’s mobile banking app.
Open an account online in minutes at AAA.com/Deposits or call our 24-hour U.S.-based Customer Service at 888-728-3230.
Deposit Accounts offered through Discover Bank, Member FDIC. The article and information provided herein are for informational purposes only and are not intended as a substitute for professional advice.
CHECK OUT THESE LEHIGH VALLEY EVENTS
MARCH 13, 2019 (8:00 pm)
KODO
Williams Center for the Arts
317 Hamilton St., Easton, PA 18042
Since its 1981 debut at the Berlin Festival, no taiko ensemble has captured the world’s imagination as thoroughly as Kodo. Each uniquely conceived production harnesses the percussive power and thunderous energy of a fleet of taiko drums—including the massive 660-pound o-daiko—in kinetic, heart-pounding displays of athletic artistry. In Evolution, these expert musicians from Japan’s Sado Island embrace the limitless possibilities of this vibrant art form. “Indeed, if there is such a thing as perfection in music,
Kodo comes as near to it as any group in the world” (Boston Globe).
williamscenter.lafayette.edu
APRIL 28, 2019 (1:00 pm - 3:00 pm)
ANNUAL BULLDOG BEAUTY CONTEST
America On Wheels Museum
5 N. Front St., Allentown, PA 18102
Come see these beautiful dogs strut their stuff! Enter your bulldog or just sit back and admire their bully-beauty. Let your Bulldog have their personal moment of glory by walking on the runway to impress a panel of judges. Admission is free; only registered Bulldogs are allowed to participate.
Call 610-432-4200 x14 for more information
or visit americaonwheels.org
MAY 24-26, 2019 (9:00 am - 3:00 pm)
MAYFAIR FESTIVAL OF THE ARTS
Cedar Crest College, 100 College Dr., Allentown, PA 18104
Mayfair Festival of the Arts is back at Cedar Crest College! The event will be held
on Cedar Crest’s campus over Memorial Day weekend, May 24-26, 2019, and will feature food and craft vendors, artists, music, kids’activities and live performances. Admission and on-campus parking will be free. If you are interested in participating as an artist or vendor, please go to the Mayfair website.
Be sure to follow Mayfair at Cedar Crest on Facebook, Twitter, and Instagram @CCCMayfair for the latest festival news.
MAY 31 - JUNE 2, 2019 (Daily 12:00 am - 4:00 pm)
LEHIGH VALLEY FOOD & WINE FESTIVAL
Sands Bethlehem Event Center
77 Sands Blvd., Bethlehem, PA 18020
Entering its ninth year, the Lehigh Valley Food & Wine Festival has grown from its humble beginnings as a one-day tented event to a full weekend experience. The largest event of its kind in the region, the Festival showcases cuisine from the area’s top restaurants and wine from around the world to approximately 3,000 guests over two days.
Hosted by Northampton Community College and the Sands Bethlehem, the Festival began in 2010 as a way to provide hands-on experience to Northampton’s Culinary and Hospitality Management students, raise money for the NCC Foundation, and celebrate the tantalizing dining experiences available in the Lehigh Valley. lehighvalleyfoodandwine.com
TAKING BETTER
VACATION PHOTOS
Tuesday, March 26 from 6pm-7pm at AAA Northampton County 3914 Hecktown Rd, Easton, PA 18045
FREE to members | $2999 to non-member
Call Dan's to reserve at 610-434-2313
Join us and get ready to capture winning images you’ll be proud to show off! We’ll show you how to frame flattering compositions, best use the available light and much more.
610-434-2313
danscamera.com
3914 Hecktown Rd., Easton, PA • (610) 258-2371 • northampton.aaa.com
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SPRING 2019
Now!