Land Tour Land and SeaTour - JUNE 2020 - Central Bank

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Land Tour Land and SeaTour - JUNE 2020 - Central Bank
Published exclusively for members of
    The Classic Club at Central Bank
                                                               JUNE 2020

    Alaska                    TWO TOURS TO CHOOSE FROM.

 Land Tour                                       Land         and   SeaTour
MAY 21 – 30, 2021 ON PAGE 2                           AUGUST 28 – SEPTEMBER 7, 2021
                                                               ON PAGE 3

                    Two Great Alaskan Adventures
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
On the Cover Right...

                                  Lois
                                                        Alaska Land Tour
     A NOTE FROM                                          NEW DATES            May 21 - 30, 2021
                                                        When you think of a spectacular
                                                        Alaska vacation, what comes to mind?
    The past weeks have been challenging to all
                                                        Witnessing glaciers calve into the
    of us. One day you are enjoying the thoughts
                                                        sea? Riding the world-famous Alaska
    of Spring and traveling to some really fun          Railroad? Seeking out wildlife in Denali
    place, and the next moment we are staying           National Park? Or maybe it’s cruising
    in our homes and taking precautions just to         through the sea to watch for seals,
    get groceries. We learned not to shake hands,       sea otters, birds, and even whales.
    or hug, but to social distance. There were so       Whatever it is, this Alaska tour is sure to
    many things that we missed. Life was almost         delight!
    like a reality show, but none of us wanted to       Join Classic as we board the Alaska Railroad in Deluxe
    star in it.                                         Dome Service to Denali National Park, where you’ll hear
                                                        an exclusive presentation by a local Naturalist—a special
    Classic Groups were packed and ready to             experience! Seek out grizzly bear, caribou, moose,
    go on several tours and flights stopped or          and more on a wilderness expedition in Denali National
    states were closing. So we did what we had          Park. Take a cruise on Prince William Sound and along
    to do and postponed many of our tours. We           Columbia Glacier, the second-largest tide-water glacier
    worked so hard on getting several buses on          in North America. You’ll also take a cruise of Kenai Fjords
                                                        National Park to see glaciers calving into the sea and
    each baseball trip, had them filled up in 10
                                                        to hear the thunderous roar. Photos and videos cannot
    minutes and then had to cancel.
                                                        adequately capture the experience—you must witness it
    In this newsletter you will find enthusiasm         in person. On both cruises, be sure to watch for wildlife.
    for the future. We have many options both           See the Trans-Alaska Pipeline Terminal near Valdez, take
    short and longer tours to think about or just       a sternwheeler cruise in Fairbanks, visit the home of four-
    to enjoy daydreaming about the possibility of       time Iditarod champion Martin Buser (another out-of-
    returning to some fun place in the world.           the-ordinary experience), and enjoy all the scenery and
                                                        majesty that only a vacation to Alaska can offer. Grab
     It was fortunate that we have been giving
                                                        your camera and get ready for an Alaska tour that will
    out our office emails on each newsletter, so        leave you breathless and inspired—a travel experience of
    that you could easily reach anyone of us. I         a lifetime.
    also found out that many of you still had my        Call today for the detailed itinerary.
    cellphone number and I was happy that you
    would reach out and call.
    I know many of you spent the time reading,
    cleaning closets, cooking, baking and just
    relaxing. I also know that some of you are
    great cooks and I have enjoyed so many
    pictures on Facebook.
    “Life is Good” and all of us in the office are
     ready to get you started on your dream
     adventure.

           Sara.Ahlers@centralbank.net
          Crystal.Miller@centralbank.net
           Chris.Harris@centralbank.net
            Lois.Bax@centralbank.net

2     Strong Roots. Endless Possibilities.
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
On the Cover Left...

 Alaska Land & Sea Tour                                      NEW DATES

    NEW DATES           August 28 – September 7, 2021

 Sailing on the Royal Princess from the port of              Roaming Coastal Maine
 Vancouver, this exciting trip to the Great Frontier kicks
 off with a 7-night cruise. Highlights include calls in      September 21-27, 2021
 Ketchikan, Skagway and Juneau as well scenic cruising
 in Glacier Bay National Park and at Hubbard Glacier!        This small group experience
 Disembarking the ship in Whittier starts the second leg     dives right into the history       Small Group
 of this adventure as you travel north in a dome-glass       and culture of the rugged          Adventure
 rail car in search for Denali, “The Great One”. If the
 weather cooperates, you will views of the mountain          coast of Maine! Your 7
 from several areas at the Mt. McKinley Wilderness           day-6 night adventure includes two nights
 Lodge. Another unique way to view Denali is from the
 lodge’s treehouse, designed and built by Pete Nelson of     each in Portland, Bar Harbor & Rockport.
 Animal Planet’s Treehouse Masters.
                                                             Included highlights range from an
 A morning ride to Denali Princess Wilderness Lodge
 brings you to the doorstep of Denali National Park          oyster shucking lesson, lobster trap pull
 in time for an afternoon tour into the park to learn        demonstration and lighthouse viewing to wine
 about the eco-system and a chance to see some of the
                                                             tasting and experiencing crisp fall air and
 famous local residents; bears, moose, caribou, wolves
 and Dall sheep.                                             nature surrounding you in Acadia National
 The following day, you will travel to Fairbanks for a       Park!
 true highlight! An afternoon Riverboat Cruise down the
 Chena River shows Gold Rush history, Native culture         This tour is set up for a small group and will
 and a glimpse into the colorful Alaska lifestyle of bush
                                                             sell out extremely fast!
 pilots, dog sledders Native artisans.
 This is an adventure of a lifetime and we can’t wait to     Call today to get the full itinerary!
 share Alaska with you!

                                                                          www.centralbank.net    573-634-1110   3
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
2021 WEST COAST
    ADVENTURE
    SEATTLE TO SAN FRANCISCO
     NEW DATES
    			                            June 25 - July 3, 2021
    From the Pike Place Market to the Golden Gate
    Bridge, this is a great way to see the Pacific
    Northwest!
    HIGHLIGHTS                                                   NEW DATES               November 5 - 22, 2021
    Seattle: Boeing – Future of Flight Aviation Center,
                                                                       STEP BACK INTO ANCIENT TIMES WITH THIS
    Pike Place Market, Pioneer Square                                         ADVENTURE OF A LIFETIME!
    Portland: International Rose Test Gardens,
    Multnomah Falls                                           Starting with an overnight stay in Rome and a tour of
                                                              the Vatican Museum before you board the ship, this
    Oregon Coast: Newport Aquarium, Florence Old
                                                              trip is full of bucket list items!
    Town & Heceta Head Lighthouse, Sand Dune
    buggy ride                                                Starting with two
    Eureka Area: Rogue River jetboat, Redwood                 nights in Rome and
    National Park, Carson Mansion                             a tour of the Vatican
    San Francisco area:                                       Museum before you
    Avenue of the Giants, Golden Gate Bridge,                 board the ship, this
    Twin Peaks, Fisherman’s Wharf & much more!
                                                              trip is full of bucket
    Plus, Scenic travel along the rugged coastline, Mt. St.   list items!
    Helen’s Visitor Center & a traditional salmon bake.
                                                              Perhaps the
                                                              highlight for you will be the two, full-day ports of call in
                                                              Israel! The ports of Ashdod and Haifa are your gateways
                                                              to Jerusalem, Bethlehem, Galilee and Nazareth!

                                                              A stop in Turkey gives you a chance to see the ancient
                                                              ruins of Ephesus, where St. Paul preached in the Great
                                                              Theatre to the Ephesians and home to the ruined basilica
                                                              covering the tomb of Christ’s most beloved disciple, St.
                                                              John the Apostle.

                                                              With stops in Katakolon, Rhodes, Malta and Cyprus, you
                                                              make your way through the Mediterranean Sea. You
                                                              also make a stop in Athens for a chance to hike up the
                                                              Acropolis and walk in the footsteps of the ancient Greeks
                                                              to see the Parthenon.

                                                              From the map above you see that you are covering so
                                                              much of the Mediterranean but it also has a few days at
                                                              sea to relax and enjoy the many comforts of the Island
                                       CALL TODAY FOR THE     Princess.
                                       DETAILED ITINERARY.

4      Strong Roots. Endless Possibilities.
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
CRUISING THE          Southern Caribbean                                  January 18-29, 2021

                                      Sailing roundtrip from Fort Lauderdale, the brand new Sky Princess will
                                        make 6 exciting ports of call during this 10-day voyage. Bonaire, and
                                             Curacao lie off the northern coast of Venezuela in the Caribbean
                                                 Sea. Officially discovered by Amerigo Vespucci and claimed
                                                       by Spain, these islands were later fought over and now
                                                        lie under the control of the Netherlands until claiming
                                                          independence. St. Thomas, famous for the postcard
                                                                 views of Magens Bay, is still a Classic favorite.
                                                                Grenada is known for its spice plantations and
                                                           Dominica is home to the vibrant Caribbean lifestyle
                                                                                           and great beaches!

This is your chance to try snorkeling, world-class diving, pristine beaches and
view amazing aquatic sea life in its natural habitat, all while unpacking only once!

A Week in Sicily
                                                   With this small group adventure you will discover this
                                                   multicultural island in the middle of the Mediterranean. It
            March 13-21, 2021                      is the largest of the Mediterranean islands and just off the
                                                   “toe” of Italy’s “boot.” Its rich history is reflected in sites
                                                   like the Valley of the Temples, the well-preserved ruins of 7
                                                   monumental, Doric-style Greek temples, and in the Piazza
                                                   Armerina to view the stunning mosaics in the UNESCO-
                                                   listed Villa Romana del Casale. On Sicily’s eastern edge is
                                                   Mount Etna, one of Europe’s highest active volcanoes. You
                                                   will travel to lively Palermo, seaside Syracuse, and charming
                                                   Taormina to uncover the island’s beautiful landscapes and
                                                   interesting history. In the Taormina Region you will stroll along
                                                   the city’s cobblestone streets to see Taormina Cathedral and
                                                   the Palazzo Corvaia, seat of the first Sicilian parliament. All
                                                   this and so much more so call or stop by for a day by day
                                                   itinerary.

                                                                           www.centralbank.net    573-634-1110         5
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
Danube Dreams             April 17-26, 2021
                                                                         Spring
                                                                            TEXAS
                                                                                                   RIVIERA

                                                                  April 8-17, 2021
                                                                  Enjoy a warm weather getaway in late March
                                                                  to escape the snow and cold. We will travel to
                                                                  San Antonio and South Padre Island and learn to
    Cruise along the peaceful Danube River through                make Enchiladas and Margaritas, learn about Sea
    Hungary, Slovakia, Austria & Germany while unpacking          Turtles, Migratory birds and dolphins.
    only once! This fascinating itinerary allows you to           We will spend the first night in Dallas where we
    discover some of Central Europe’s most splendid capitals      will lunch and tour Southfork Ranch and enjoy
    and charming towns in luxury and at a leisurely pace!         lunch, tour the Sixth Floor Museum and the John
    Sailing out of Budapest, this timeless river cruise           F. Kennedy Memorial.
    offers guided sightseeing with highlights of the vibrant
                                                                  We will spend three nights in San Antonio enjoying
    Hungarian capital. Enjoy great views of the impressive
                                                                  a city tour, shopping at El Mercado, touring the
    Parliament Building before you make your way to
                                                                  Missions, Scenic cruise along the River Walk, and
    Bratislava, the capital of Slovakia, where you’ll enjoy a
                                                                  visit the institute of Texas Cultures.
    guided walk through the delightful Old Town and visit
    Gothic St. Martin’s Cathedral. Vienna, Austria, known as      Then three nights on South Padre Island enjoying
    the “City of Music”, makes an immediate impression with       the seashore and warm ocean breezes, stop at the
    its lavish Habsburg Imperial Palace and neo-renaissance       South Padre Island Visitors Center, Beach time
    Vienna Opera House.                                           and Whale Watch Sunset Cruise, Bird Watching
                                                                  and Nature Center and a visit to the Sea Turtles.
    Enjoy magnificent views as you sail through the
    picturesque wine region of the Wachau Valley, with stops      We will stop in Waco, Texas to visit Magnolia
    for a guided walk in Durnstein, a visit of the impressive     Market, the Silo, some of the houses of Fixer
    Benedictine Abbey of Melk and a tasting of renowned           Upper and the scenes from the show.
    local wines.                                                  This motorcoach tour has so much to offer but
    In Linz, walk around the Hauptplatz, Austria’s largest        best of all we know you will love the warmer
    medieval square, which forms the center of the city.          weather down south..
    Passau, Germany, the “City of Three Rivers” is uniquely
    located where the Inn, Ilz and Danube Rivers converge.
    See its maze of narrow cobblestone streets lined with
    beautiful Patrician houses, and marvel at St. Stephen’s
    Cathedral, a masterpiece of baroque architecture.
    Upon disembarking the boat, you will enjoy a tour of
    southern Bavaria and overnight in Munich before the
    flight home.
    Overnight in Munich and return flights home the
    following day.
                                                                         Call for a complete itinerary.

6      Strong Roots. Endless Possibilities.
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
Eureka Springs & the
Passion Play
October 5-7
Every 10 years, crowds of people flock to a small
woodworking village in the mountains of Germany to see
the local townspeople recreate the Passion of Christ. In
1633, the town council made a solemn vow that if God
stopped the plague ravaging their small village, out of
gratitude, they would present a play depicting the life
and suffering of Christ for the duration of their existence.

    Why is that important and what does
                                                               AMERICAN COUNTESS
    it have to do with Eureka Springs?                         Memphis to Chattanooga
2020 is the 10th year, so crowds will start flocking to that   October 24 – November 2, 2020
same little village in Germany in mid-May to see the play
                                                               The latest addition to the fleet of authentic paddlewheelers
in an outdoor venue and performed in German. As luck
would have it, Eureka Springs is a mere 4 hours away           is the American Countess and the newest on the U.S.
and they perform the same play in an outdoor venue.            rivers. With four decks, including a Sun Deck and 123
Best of all, it is in English!                                 comfortable, inviting staterooms in four categories, this
With that in mind, we’ve built a trip around the play and      lovely paddlewheeler will become a home away from home
the Holy Land Tour on-site. This 3 day, 2-night trip will      in this 10 day itinerary that we have combined a land and
be highlighted by the play and the festivities, but there      river tour. Starting with a motorcoach trip to Memphis
is much more!                                                  and overnighting before we board our home for the seven
When you arrive in Eureka Springs on the afternoon of          nights. Cabins feature a sleek and modern design that will
October 5th, you’ll be welcomed into the full-service          provide guests with the perfect place to relax after enjoying
Crescent Hotel. Full of history and a lot of “spirit”, this    an included excursion or an evening Broadway-caliber
is landmark hotel is widely known as the “symbol of            performance presented in The Theater onboard.
hospitality” for the State of Arkansas. Following dinner,
you have the option to take part in a private “ghost tour”     The award-winning culinary team takes full advantage of
on the grounds.                                                each region’s diverse bounty of fresh, local ingredients to
The following day is dedicated purely to the Passion           fashion authentic dishes, our gracious staff charms guests
Play with time dedicated to visit the Holy Land area and       with friendly, courteous attention to their needs in the
a dinner on-site before settling in for the performance.       Grand Dining Room. A more casual atmosphere is offered
We are still putting the final touches on this one,            in the River Grill.
but itineraries will be ready by the time you get this
                                                               The Card Room provides a perfect spot for guests to
newsletter. Call today to get the full details!
                                                               mingle with fellow travelers and newfound friend. It’s also
                                                               a joy to browse for souvenirs in the Gift Shop with which to
                                                               remember your treasured journey.
                                                               On this itinerary, you will learn how the rivers of the South
                                                               were of great strategic value as both a transportation and
                                                               communication route during the Civil War. Experience
                                                               authentic Southern culture as you journey through living
                                                               history and explore the legacy of the Civil War, both
                                                               onboard and in ports of call. Distinguished guest speakers
                                                               will be onboard to captivate you with astounding Civil War
                                                               style as you take a journey that you will never forget.
                                                               A great addition for this tour is a night in Nashville after
                                                               disembarking in Chattanooga plus a night performance at
                                                               the Grand Ole Opry.

                                                                                     www.centralbank.net   573-634-1110        7
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
GREAT RIVER ROAD
    October 2-8, 2021

                                                            NEW DATES

                                                            CAPE COD
                                                            & ISLANDS OF NEW ENGLAND
                                                            September 9-16, 2021
                                                            One of the most requested trips in the last

     Classic will head north next fall                      year or so has been a tour in the New England
                                                            & Cape Cod area. You asked for it and we

     for a custom bus trip that winds                       listened, the trip is set for early September.

                                                            Highlighted by multiple night stays on Cape
      along the mighty Mississippi                          Cod and in Providence, R.I., and including
                                                            tours in Boston, Cape Cod, Martha’s Vineyard,
     River from Minneapolis down to                         Nantucket and much more!

         quaint Galena, Illinois.                           We are still putting the final touches on this
                                                            one, but the itinerary will be ready when the
                                                            newsletter hits your mailbox, so call today to
    HIGHLIGHTS INCLUDE                                      get the details on this very popular trip!
    Minnesota Vikings Hall of Fame
    Mall of America
    Red Wing Shoe Store
    National Eagle Center
    Grandad’s Bluff
    La Crosse Distilling,
    Potosi Brewing and National Brewery Museum,
    PLUS MUCH MORE!
    We are finalizing the details, but this exciting fall
    foliage tour is sure to be popular!
    Call to get your detailed itinerary.

8     Strong Roots. Endless Possibilities.
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
You Can Now Take $100,000
From Your 401(K) or IRA, but Should You?
On March 27, 2020, President Donald Trump signed into law the Coronavirus Aid, Relief, and Economic
Security Act (CARES) Act.
Amidst the global COVID-19 pandemic, this act is designed to bring economic relief to individuals and businesses
who’ve been affected by the resulting economic downturn. Section 2202 of the act, titled “Special Rules For Use of
Retirement Funds,” now allows those affected by COVID-19 to withdraw up to $100,000 penalty-free from their 401(k)
or IRA.1 This new option to withdraw from your 401(k) or IRA is on the table, but should you consider taking it?

Penalty-Free Access to Retirement Savings                                            Considerations about Withdrawing From Your
Traditionally, there has been a 10 percent penalty for                               Retirement Savings
withdrawing funds from a 401(k) or IRA account before                                As is true for any other circumstance, the decision to
reaching the age of 59½. But through changes passed in                               withdraw from your retirement savings account early
the CARES Act, this penalty will be waived for individuals                           should never be taken lightly. Depending on your timeline
who choose to tap into their retirement savings accounts                             toward retirement, $100,000 accruing compounding
                                                                                     interest over the next couple of years could yield
and withdraw up to $100,000 to cover financial burdens
                                                                                     significant growth. In fact, the younger you are, the greater
caused by the COVID-19 pandemic.1
                                                                                     the dent you’re putting on your future retirement funds - if
If you choose to withdraw, you will have the option to                               you choose to withdraw from your 401(k) or IRA without
spread the tax liability of this additional income over the                          paying it back.
next three years, and you will have three years to return                            As you address the need for money now, remember to
savings (up to the full amount withdrawn) back into the                              consider your need for money in the future. Is creating
account.1                                                                            a significant reduction in your future retirement income
Increase in 401(k) Loan Limits                                                       the best option for addressing your present financial
Aside from withdrawing altogether from your retirement                               hardships, or would it be better to pursue alternative
                                                                                     options - such as a personal loan, HELOC or tapping into
savings account, some plan sponsors offer the option
                                                                                     your emergency savings?
of taking out a loan on your 401(k) or IRA. In the past,
there have been limits on how much you can withdraw.                                 Before making a big financial decision like this, it’s
According to the IRS, the maximum amount was previously                              important to work together with your financial advisor. He
“(1) the greater of $10,000 or 50% of your vested account                            or she can help you understand the long-term impact a
                                                                                     decision like this can make on your financial future.
balance, or (2) $50,000, whichever is less.”2
                                                                                     1. https://www.congress.gov/bill/116th-congress/house-bill/748/text#toc-
In light of recent events, the CARES Act has adjusted this                           H7E8FA907EAE04884809A56325BD425E5
loan limit to a maximum amount of 100 percent of your                                2. https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-loans#1
vested account balance, or $100,000, whichever is less.1
This option will be available for individuals for 180 days
after the CARES Act is enacted. Additionally, anyone
owing a 401(k) loan repayment before December 31, 2020,                                      Jeff Boessen, CFP®                     Anne Durbin Scott
can delay their repayment for up to one year.1                                               Senior Vice President                 Assistant Vice President
                                                                                                  573.634.1101                           573.634.1349
While the amount one can withdraw in a loan has doubled,                                  Leanne Kampeter, CFP®                          Charlie Frank
it’s important to remember the IRS has not changed                                             Vice President                            Vice President
                                                                                                   573.634.1166                           573.634.1157
its rules on loan repayment. According to the IRS,
“Repayment of the loan must occur within 5 years, and                                               Keith Bax                      Kevin Callaway, AIF®
                                                                                                  Vice President                       Vice President
payments must be made in substantially equal payments                                              573.634.1294                           573.634.1371
that include principal and interest and that are paid at least
                                                                                               Nathan Hickman                        Amie Suttenfield
quarterly.”2 That means that if you choose to take this                                     Assistant Vice President               Assistant Vice President
option, you need to be prepared to pay the full amount                                             573.634.1361                           573.634.1132
back in substantial installments each year.                                           Central Investment Advisors does not offer tax or legal advice.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance
products are offered through LPL or its licensed affiliates. Central Bank and Central Investment Advisors are not registered as a broker/dealer or investment
advisor. Registered representatives of LPL offer products and services using the name Central Investment Advisors, and may also be employees of Central Bank.
These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Central Bank or Central Investment
Advisors. Securities and insurance offered through LPL or its affiliates are:
     Not Insured by FDIC or Any Other                           Not Bank                           Not Bank Deposits or
                                                                                                                                  May Lose Value
            Government Agency                                  Guaranteed                                     www.centralbank.net
                                                                                                       Obligations                   573-634-1110                        9
Land Tour Land and SeaTour - JUNE 2020 - Central Bank
SOUTH AFRICA
                                                                   Cape Town to
 Ireland               Highlights of the Emerald Isle              Kruger National Park
 April 24-May 2, 2021
                                                                   & Victoria Falls
 From the Irish people’s sparkling wit and inviting pub
 culture to the isle’s incredible emerald landscapes, this small
                                                                    October 21-November 2, 2021
 country packs quite a punch.
 Get to know this beautiful island on a tour of its leading        Bustling cities and safari landscapes
 cities and natural wonders, from the rocky limestone plateau
                                                                   collide on Africa’s southern tip. Cape
 called the Burren to the Cliffs of Moher which rise 700 feet
 above the Atlantic Ocean.                                         Town offers up colorful architecture
                                                                   and a vibrant culture. In Soweto,
 A special inclusion on this tour is Dingle, a small port town
 known for its rugged scenery, trails and sandy beaches.           learn about the country’s history
 “You don’t get to Dingle by accident; it is on the way to         and apartheid struggle. Unbelievable
 nothing but itself…” Pushed out towards the bay by a              natural scenery and vantage points
 modest set of mountains, Dingle town is arguably one of the       dot the way from Kruger National
 island’s more charming towns.
                                                                   Park to Johannesburg. Then fly to
 A visit to Ireland would not be complete without a visit to
                                                                   Zimbabwe where natural wonders and
 Blarney Castle to kiss the legendary Blarney Stone. Discover
 the town of Cobh, once a launch site for ships bound for          native cultures await. Day by Day, this
 North America. You will visit the Heritage Centre, which          is an incredible trip with adventure
 tells the story of Irish emigration over the past 150 years. In   around every corner.
 Dublin, you will step inside St. Patrick’s Cathedral, Ireland’s
 largest church.
 All this and so much more on this Irish Getaway in the
 Spring. Call for the complete itinerary.

10   Strong Roots. Endless Possibilities.
KENYA WILDLIFE                                            The Best of
  SAFARI                                                  EASTERN
                                                          EUROPE

   NEW DATES                July 17-29, 2021
                                                    NEW DATES                May 22- June 4, 2021

Wondrous wildlife, stunning
landscapes – this African nation                  Featuring Berlin, Prague, Budapest, Krakow, Vienna & Warsaw

has it all.
                                                 When you think of an Eastern Europe vacation, what
Kenya’s landscapes are                           comes to mind? Perhaps its visiting old churches and
                              Small Group        seeing historical sites that been standing for many centuries.
                              Adventure
teeming with animals
                                                 Perhaps it's visiting cities bombed in World War II and
of all spots and stripes,
                                                 restored to their former splendor. Or maybe you think of
from speedy cheetahs
                                                 learning about the countries’ rich histories? If so, this Best of
to majestic herds of zebras. On this thrilling   Eastern Europe tour includes all of that and more!
Kenya tour, you’ll see them all in some of the
                                                 HIGHLIGHTS INCLUDE
country’s most spectacular settings. Travel      Berlin
from towering Mount Kenya to the wild            Kaiser Wilhelm Memorial Church, Brandenburg Gate,
                                                 Holocaust Memorial
expanses of the Masai Mara to witness the
                                                 Budapest
drama of the bush unfolding around you.
                                                 Mathias Coronation Church, panoramic view from
                                                 Fishermen’s Bastion
Highlights will be the Giraffe Manor, Karen
                                                 Vienna
Blixen Estate, Aberdare National Park, Great     Heldenplatz and St. Stephen’s Cathedral
Rift Valley, Lake Nakuru National Park, Masai    Warsaw
Mara, Amboseli National Park. On this trip       The medieval Old Quarter and the 14th century Cathedral of
you’ll walk for 45 minutes daily across mostly   St. John & private Chopin concert

flat terrain. You will be traveling in a 4 x 4   Krakow
                                                 Kazimierz Quarter, Wawel Castle and St. Mary’s Church
land cruiser safari vehicle across some paved
                                                 Czestochowa
roads, some unpaved trails and some dirt         Monastery of Jasna Gora and its
paths. You will have an expert tour director     Black Madonna
and a local sight -seeing guide. You will have   Auschwitz
10 nights in great hotels handpicked by Go       Site of former
                                                 concentration camp
Ahead Tours.
                                                 Prague
         CALL FOR A                              Astronomical Clock, Hradcany
      COMPLETE ITINERARY.                        Castle grounds
                                                      CALL TODAY FOR THE FULL ITINERARY!
                                                                        www.centralbank.net    573-634-1110      11
DAY TRIPS
                                             As of this newsletter
  STILL SCHEDULED                              going to press.

PEACH PICKING AT ECKERTS ORCHARD – JULY 22
Year after year we all love to go and pick peaches and then enjoy the special family style lunch of Fried Chicken
and Ham. Cost is $60 and departs at 8 a.m.

FREAKY FRIDAY THE MUSICAL – AUGUST 5 at New Theatre
When an overworked mother and her teenage daughter magically swap bodies, they have just one
day to put thinks right again. By spending a day in each other’s shoes, Katherine and Ellie come to
appreciate one another’s struggles, learn self-acceptance and realize the immeasurable love and
mutual respect that bond a mother and daughter. It is a fast-paced, fun filled and very funny musical
with a great message for all ages. Cost is $75 and departs at 8:00 a.m.

MURDER ON THE ORIENT EXPRESS – AUGUST 13 at Lyceum Theatre
A luxurious and leisurely rail trip through Europe disintegrates into a race against time to solve a puzzling murder
aboard the train. When a sudden avalanche stops the Orient Express dead in its tracks, the world’s greatest
detective – Hercule Poirot – arrives to interogate all the passengers and search for clues before the killer can
strike again. Cost is $85 for show, lunch and motorcoach.

NOAH’S ARK - AUGUST 27 at Sight and Sound in Branson
Join Classic as we return to the Sight and Sound Theatre Branson to experience the performance,
Noah’s Ark and for a special behind the scenes tour to see what it takes to put on an amazing show,
Witness that event that is brought to life on a panoramic stage with high drama and remarkable
special effects. It will be a day you won’t forget! Lunch at Lamberts will be included as well as
Motorcoach, behind the scenes tour, and show.

HEARTBREAK HOTEL - OCTOBER 1 at Lyceum Theatre
This biography-musical follows the tender story of Elvis Presley in the early years of his career as he and
Sam Phillips create the music that will forever change their lives. This new musical explore these pivotal
moments through the perspectives of those who knew him best, spanning from his impoverished childhood
in Tupelo, Mississippi to his triumphant 1968 “Comeback Special,” and his assent to be “The King” Songs
include “That’s All Right Momma, “ “Shake, Rattle, and Roll,” and, of course, “Heartbreak Hotel.” The story
features over 40 Elvis hits an iconic songs including “That’s All Right.” “Blue Suede Shoes,” “That’s All Right
Momma,” “Shake, Rattle, and Roll,” and of course “Heartbreak Hotel.” Cost is $85 for show, lunch and
motorcoach.

** Day trip payment is due at the time of your reservation.
12    Strong Roots. Endless Possibilities.
Scottish Highlands – Edinburgh to Glasgow September 8-18, 2021

  Discover the Scotland the locals know... Scotland’s history and culture take center stage as you explore
  medieval cities, rugged highlands and seaside villages on this 10 day tour. From Edinburgh, up to the Orkney Islands
  and around the northwest coast to Isle of Sky and ending in Glasgow, you will get a look at the Scotland that
  most know, but also a chance to get off the beaten path to see a very different version that only the locals get to
  experience! If you have watched the Outlander Series, you will be seeing all of that amazing scenery. Itinerary is
  complete so call or stop by for full details.

 Rockin’ the                                                              Virginia Beach

 Boardwalk                                                         October 11-19, 2020

This tour starts off exciting with an Evan Williams Bourbon Experience –
tour the first distillery on Whiskey Row and then dinner and a Mint Julep.                       and More
After leaving Louisville, you will travel to West Virginia where   You will enjoy the Spirit of Norfolk Luncheon Cruise with
you will visit Tamarack which has more than 2,800 artisans         a special prepared buffet style meal. The cruise will depart
from all fifty-five counties in the state and they have greeted    from Downtown Norfolk and you will see great views of the
millions of visitors, offering unique Appalachian goods. You       city along the waterfront as well as the ironclad ships: The
will be given vouchers so you can sample the delectable            Monitor and Merimac, plus views of the Norfolk Naval Base,
Appalachian inspired cuisine prepared by the Tamarack chefs.       home port for the Atlantic Fleet and its 125 vessels including
Next stop is three nights lodging at a Virginia Beach              nuclear submarines and aircraft carriers.
oceanfront hotel. You will love the 3 mile boardwalk along         Evening with the Jersey Boys and you will remember “Big Girls
the beach with many vendors and restaurants. Take a stroll,        Don’t Cry: “Walk like a Man” and “Can’t take my eyes off you”
ride a surrey, try a bike ride or just sit on one of the many      Again you will be singing along or upon the floor dancing.
benches and people watch. You will want to bring along a           The tour of the National Museum of the Army is the next
colorful shirt or dress, flip flops, beach hats when we listen     stop and it honors – past, present, and future and explains
to a Beach Boys Boardwalk Bash Dinner Show. Get in the             the Army’s role in creating and defending our nation.
mood with “California Girls” “Surfer Girl” or “I Get Around”
                                                                   Next is two nights at Old Town Alexandria, VA., where we will
You can sit and listen or get up and dance.
                                                                   be touring Washington, D.C. with our guide. We will visit the
You will tour the Virginia Beach Military Aviation Museum.         White House Visitors Center, Capitol Hill, and stop for lunch
The collection of Military aircraft is amazing and after the       at the Air and Space Museum. In the evening after dinner at
tour lunch will be served with a musical tribute to Frank          Tony and Joe’s on the Waterfront we will take an evening
Sinatra and then a flyover by an historic airplane. Concert        illumination Monuments Tour.
in the evening is the “Sounds of the Supremes” This concert
                                                                   This tour celebrates so much: our military, our nation’s
music has shown itself to be one of the most definitive and
                                                                   Capital, great music and shows, and some amazing food.
enduring contributions to American Pop music history and
                                                                   Come join your Central Bank of Moberly friends and travel
it will have you dancing in the aisles, swinging and swaying
to the best of music.                                              on this incredible itinerary to the East Coast.

                                                                                    www.centralbank.net     573-634-1110            13
INVESTING IN THE MODERN WORLD:
ALIGNING YOUR INVESTMENTS WITH YOUR PRINCIPLES
By Jill Dobbs, CFP® - Vice President & Wealth Management Advisor, Central Trust Company

Baby boomers are the wealthiest generation in history,       A large study on over 2,000 ESG portfolios showed
worth approximately $48 trillion.1 Over the coming           that returns are comparable with non-ESG focused
decades, their wealth will be passed on to Gen Xers and      portfolios. The study further found that 88% of companies
Millennials. At the same time, veteran wealth managers       with sustainability practices had better operational
are stepping into retirement. With wealth and the            performance and cash flow. Overall, 90% of the results
management of that wealth in transition, so too are the      showed that sustainability initiatives had a neutral or
drivers behind investment decisions.                         positive effect on investment returns.4
In today’s economy, cultural and socio-economic issues       The fixed income side of ESG investing is also gaining
have given the consumer and individual investor a voice      momentum. Social and green bonds pay fixed interest like
in corporate boardrooms. Large mutual fund managers          traditional bonds and go toward funding environmental
and pension funds are taking their clients’ environmental,   projects and social impact themes. In 2016, inflows into
social and governance (ESG) concerns and demanding           social bonds totaled $2.4 billion. In 2018, however, social
implementation of better corporate practices. In the         bonds took in $13.4 billion; a tremendous increase in just
modern world, well-run companies that manage ESG             a few years.5
risks have a better chance at securing financing to fund      In 2016, the Atlanta Falcons built their new Mercedes-
future growth.                                               Benz Stadium with $850 million in total financing.
ESG encompasses factors such as how a company                Approximately two-thirds of the funding was financed
manages its carbon emissions, uses of renewable energy,      by private placement green bonds. Among other features,
fair trade ingredient sourcing, workforce development and    the green bonds helped fund the venue’s 4,000 solar PV
labor standards, equal pay initiatives and anticorruption    panels, over 82,000 square feet of LED lighting with an
practices, to name a few. The E, S and G are referred to     energy usage reduction of 60%, and its use of 47% less
as “sustainability” initiatives and help tell the story of   water than baseline standards set forth by EPAct 1992.6
how a company will remain competitive in the future.         A strong push by investors will likely continue to propel
For investors, ESG risk analysis serves as a framework and   the ESG movement forward in the U.S. in the years ahead.
overlay to traditional security analysis that dives much     The expectation is not necessarily for ESG portfolios to
deeper into a company’s operations. These risks may be       outperform non-ESG portfolios; but rather for investors
hard to quantify because they do not typically show up on    to match their personal values with competitive returns
financial statements. Companies that fail to mitigate ESG    while creating a better world in which to live. Companies
risks could experience a lasting and meaningful impact       may embrace ESG factors in order to attract capital and
on their bottom lines and fail to attract capital from the   remain competitive in the modern world.
new investors.
A seismic shift toward ESG-focused strategies is             Central Trust Company offers a comprehensive
underway. At the beginning of 2018, it was estimated that
                                                              ESG portfolio suite that may better align with
$12 trillion of managed assets in the U.S. had implemented
ESG screens. This figure is up $4 trillion from 2016 and       your values. To learn more on this topic and
$8 trillion from 2012.2 Mutual fund companies have seen         gain insight into Central Trust’s investment
record inflows into ESG strategies over the last three
                                                                    process, please contact Jill Dobbs at
years. In 2018, the number of available ESG-focused
mutual funds and ETFs jumped by nearly 50%.3                   573-634-1397 or jill.dobbs@centraltrust.net.

14   Strong Roots. Endless Possibilities.
Hawaiian                                        SMOKY MOUNTAIN
                                                     ADVENTURE AND THE
                      Islands                        BILTMORE ESTATE
                       Roundtrip from Los Angeles
                        February 24-March 11, 2021   IN ASHEVILLE
                                                     7 days – September 13-19, 2020
                                                                                    2020
                                                      LAST CHANCE

                                                     Fall is a great time to visit Pigeon Forge and
                                                     the Smoky Mountains. Smoky Mountains is
                                                     one of the country’s most popular national
                                                     park sites. It offers postcard-perfect views and
                                                     plentiful wildlife. And World-renowned for its
                                                     ancient mountains and its Southern Appalachian
                                                     mountain culture, this southwestern gem is
                                                     worth being seen. You will be staying 2 nights
                                                     at the Black Fox Lodge, nestled in the heart of
                                                     Pigeon Forge. Beautiful scenery, great shows
                                                     and amazing surprises are going to be seen.

                                                     We are also touring the historic Biltmore Estate
                                                     in Asheville, North Carolina where we will be
                                                     staying at the Village Hotel located at the Antler
                                                     Hill area on Biltmore Estate. Complete Itinerary
This amazing cruise offers an intoxicating mix of
                                                     is ready so call or email right away for full
island adventures and carefree cruising. You’ll
                                                     details and pricing.
venture to four dazzling islands – including a
full day and late evening in Honolulu to see the
sights and experience the famed nightlife. And
there’s so much to do while you are at sea,
like enjoying live entertainment, world-class
cuisine, island inspired activities and endless
ocean views! Another perk is that you avoid
the hassles of a long flight... you sail roundtrip
out of LA. Immerse yourself in the Aloha Spirit
while at sea with activities like fresh flower lei
workshops, learn the hula dance or how to play
an ukulele! All this and so much more.

                                                                www.centralbank.net   573-634-1110        15
PRE-SORT STANDARD
                                                                                                            U.S. POSTAGE
   Post Office Box 779
                                                                                                                 PAID
   Jefferson City, MO 65102
                                                                                                      Jefferson City, MO 65101
                                                                                                             Permit #337

                                                CALENDAR
    July 22            Peach Picking at Eckerts
    Aug 4-5            Cardinals vs Royals in Kansas City
    Aug 5              Freaky Friday – New Theatre Musical
    August 13          Murder on the Orient Express at Lyceum Theatre
    August 27          Noah’s Ark at Sight and Sound Branson
    Sept 13-19         Smoky Mountain Adventure and Biltmore Estate
    Oct. 1             Heartbreak Hotel at Lyceum Theatre
    Oct 5-7            Eureka Springs for the Passion Play and more
    Oct 11-19          Virginia Beach and Rockin the Boardwalk Motorcoach Tour
    Oct 24-Nov 2       American Countess – Memphis to Chattanooga and Nashville
    Dec 2-5            Christmas in Shipshewana, Indiana
    Jan 18-29          Southern Caribbean Cruise with Princess
    Feb 24-Mar 11      Hawaiian Islands – Sailing from Los Angeles Roundtrip
    Mar 13-21          A Week in Sicily- Palermo, Syracuse and Taomina
2021

    April 8-17         Texas Riviera Adventure
    April 17-26        Danube Dream River Cruise
    April 22           Jesus
    April 24-May 2     Ireland – Highlights of the Emerald Isle
    May 21-30          Alaska by Land                                                       APRIL 22, 2021
    May 22-June 4      The Best of Eastern Europe
    June 25-July 3     West Coast Adventure
    July 17-29         Kenya Wildlife Safari                                                 BRANSON SIGHT AND
    August 28-Sept 7
    Sept 9-16
                       Alaska Cruise and Land Tour
                       Islands of New England
                                                                                               SOUND THEATRE
    Sept 8-18
    Sept 21-27
                       Scottish Highlands
                       Roaming Coastal Main featuring Portland, Acadia and Penobscot Bay
                                                                                           CHARTER BUS, LUNCH AND
    Oct 2-8, 2021      Great River Road                                                      SHOW FOR $135.
    Oct 21-Nov 2       South Africa: Cape Town to Kruger and Victoria Falls
    Nov 5-22           Mediteranean Odyssey: The Best of Greece, Israel and Italy Cruise
  Classic living is its own reward. Call 634-1110 to claim your share!
  *SOLD OUT trips were offered in previous newsletters
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