Bank Adviser Monthly Articles
May 2016
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New Purchasing Rules for 529 Plans
Purchasing computers and computer-related equipment with your 529 plan

Aside from tuition, books and housing, a computer can be one of the biggest expenses when starting college. Many students find that their new college lifestyle and coursework necessitate the purchase of a new computer.

Finance Mistakes With Long-Term Consequences
Avoid these top finance blunders

We all make mistakes, but when it�s a financial mistake, it can really cost you. And when it�s one that incurs a consequence that can last several years, then things can really turn ugly.

What to Know About Life Insurance
The 411 on choosing a life insurance policy

We may not like to think about life insurance often � the type of insurance that guarantees, in the unfortunate circumstances of death, a designated beneficiary will receive a sum of money from the departed � but it�s important to have a plan.

What Are Junk Bonds?
Breaking down these high-return investments

According to Investopedia, a junk bond is �a colloquial term for a high-yield or non-investment-grade bond,� or debt investment. Technically speaking, it is exactly the same as a regular bond: a statement of debt from an organization � one may call it an IOU � naming an amount to be paid back, plus interest, and the date the payment should occur.

Colleges That Don�t Make Students Take Out Loans
Are student loans a thing of the past?

Each year, more and more students are graduating from college with thousands of dollars in student debt that they�re responsible for paying back. A 2014 study by The Institute for College Access & Success (TICAS) found that nearly 69 percent of students graduate with an average student loan debt of $28,950.

It May Be Easier to Get a Mortgage Now
Changes that will help you get a home loan

To some, just the thought of procuring a mortgage and all that the process entails is overwhelming. But there�s some good news: A variety of recent changes in the industry have made getting a mortgage less difficult than it once was.

Questions to Ask Before Leasing a Car
10 answers you need before signing for a lease

For some, leasing a vehicle is a better option than buying. Before deciding to go forward with a lease, consider looking into the following topics.

What to Know About �Spear Phishing�
The latest scam thrives on familiarity

Most of us are aware of the term �phishing� � a con game in which scammers use spam, malicious websites, and online messages to trick people into divulging sensitive financial or personal information.

Early 401(k) Withdrawals Without Penalty
How to withdraw money from your 401(k) without penalty

You work hard to save money in your retirement accounts, so it is best not to waste any of it by incurring withdrawal penalties when you want to use it. Here is what you need to know to withdraw money from your 401(k) without penalty.

Do You Need a Checking and Savings Account?
Why having both is certainly necessary

You probably already know what a checking account and a savings account are �so is it really necessary to have both? The simple answer is: yes.

What to Know About Business Credit Cards
The advantages and importance of a business credit card

Running a small business means seeking funds in a variety of places, from business loans to personal savings and even family members.

Small Business Creditworthiness
Demonstrating and improving your business�s creditworthiness

One of the most important aspects of receiving funding for your small business is demonstrating your creditworthiness to lenders. Here is some information that will help you determine how to demonstrate and improve your creditworthiness.

5 Fun Facts About the Indy 500
Interesting tidbits about the history of the �Greatest Spectacle in Racing�

The Indianapolis 500 is an American tradition, having been held on or around Memorial Day Weekend every year since its inception in 1911. With over a century of history, there is a lot to learn about the Indy 500, even for longtime racing fans. Here are a few fun facts about the Indy 500.

Health Benefits of Cycling
The upsides of getting back on the bike and riding

Whether you are looking to lose some weight, feel better about yourself or simply take up a new activity, cycling is a great use of your time. Cycling is a fantastic hobby that you can enjoy by yourself or with friends, at dawn or at dusk and in spring or in fall. It is also a hobby that has multitudinous benefits for your health.

Make These Changes to Celebrate Clean Air Month
Use these simple changes to make the air cleaner this May

May is Clean Air Month, which makes it the perfect time of the year to turn around your not-so-green habits. There are a number of changes you can make to celebrate Clean Air Month; here are a few you should consider making this May.

Plan a Vacation to Portland, Oregon
What to do, where to stay and what to eat in Portland

Oregon�s largest city has a lot to offer to out-of-town visitors. Known for its microbreweries and coffee shops, food carts and farm-to-table dining, extreme walkability and vibrant culture, this �hipster paradise� should be experienced by everyone at least once.

New Cars for 2016
From all-electric to loaded luxury cruisers, there�s something for everyone

The automotive segment is constantly improving, and the models that are coming out this year are an impressive bunch. Here are three vehicles to keep your eyes on.

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