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August 2017
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What is Escrow and How Does it Work?
Understanding how you can use an escrow account when purchasing a home

If you are in the process of buying a home, you will probably hear the term “escrow” multiple times throughout the transaction—both before and after the real estate settlement itself. But since the term is used to describe different stages of the home buying process, it can be a bit confusing when you are trying to pin down the exact definition.

Smart Ways to Save on College Textbooks
Don’t overpay for your next semester’s college textbooks

Purchasing textbooks is one of the highest recurring costs of attending college, with prices consistently rising. However, there are a few good ways to avoid the high expense at the start of each semester.

3 Ways to Save on Monthly Expenses
Smart ways to reduce or eliminate your regular expenses

Reducing your monthly expenses is a great way to consistently pay down debts or, if you owe nothing, to start saving for the future. Here are some of the best ways to reduce your monthly expenses now so that you can better save and prepare for your future.

Why It’s Important to Have a Specific Small Business Checking Account
There are many reasons to have a separate checking account for your business

Whether you’re operating a startup or a company with decades of history, it’s important to keep your business’ finances separate from your personal assets.

Most Important Types of Insurance for Your Small Business
Comprehensive coverage for a strong safety net

You worked hard to launch your business, and that hard work continues every day as you do your part to make it a success. No matter how hard you work, however, some things are out of your hands. Fortunately, with the right business insurance, your business will be protected from adverse events.

Maximum Totality
Live In Totality
The moon will pass between the sun and the earth and be perfectly aligned for a few minutes resulting in the first total solar eclipse in nearly a century on August 21. The path of totality about 75 miles wide and traveling at about 1,000 miles per hour, will pass through the contiguous United States crossing the Pacific coast and Atlantic coast for the first time since 1918.

5 Dog Breeds Surprisingly Suited to Small Apartment Life
These breeds are perfect for smaller spaces

Dog lovers can still be dog lovers no matter where they are; whether you live in a big house with a fenced in yard or a one-bedroom apartment, there is a dog out there waiting to make your home its own. Here are a handful of well-known dog breeds that are fit for apartment life.

Umbrella Drinks: Thirst-Quenching Summer Cocktails
Brighten your summer with these adult twists on childhood drinks

Update your summer drink list with these three creative cocktail spins on classic non-alcoholic childhood drinks.

Health Benefits of Laughing
Laugh your way to better health

Tired of the gym? Looking for some easier ways to boost your health besides that dreaded eight-letter word (“exercise”)? The research is in. Apparently laughter is a necessary, but often overlooked, component for overall wellbeing.

5 Useful Apps for Managing Your Portfolio
Manage your portfolio the easy way with these useful apps

Often, calculating investment returns and managing a portfolio can swiftly become complicated and maddening endeavors. However, thanks to the dedicated work of investment-minded programmers, there are several phone applications which can help simplify this process.

Published by American National Bank
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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