Bank Adviser Monthly Articles
December 2016
CONTENTS
Are Private Schools Worth the Value?
Why you may consider opting out of public school, and how you can afford it


All parents arrive at a time when they must decide whether to send their children to a public or private school, both of which offer their own sets of pros and cons. Below, you'll find the benefits of a giving your child a private school education and some tips on how you may pay for it.
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What You Should Know About Your Credit Limit
Important credit details to keep in mind


Have you ever wondered why your interest rate is a particular amount or why you were turned down for an auto loan? You may be surprised to find that your credit limit is to blame.
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Should You Get Pet Insurance?
Weighing the costs and benefits of health insurance for pets


Our furry friends are part of the family and there's no question that we'll do whatever it takes to keep them healthy. But if an unexpected health issue arises, bringing with it large unexpected costs, one big question may spring to mind: How can I pay for all this? Many pet owners wonder if pet insurance is the answer.
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The Power of Compound Interest
Why it really pays to invest early in a retirement account


Money in a savings or retirement account grows over time as it earns interest. But the interest rate isn't the only factor that determines how much it grows; compounding interest helps your funds grow faster because it lets you earn interest on the money you deposit plus previously earned interest.
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The Dangers of Taking a Personal Loan to Finance Your Wedding
Consider the long-term costs of taking a loan to pay for one day of happiness


The cost of weddings has risen in recent years, leading to couples taking out loans or paying for items with credit cards. Yet starting your married life in debt could be a dangerous financial decision for more reasons than one.
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Best Ways to Save for Your Mortgage Down Payment
Four simple methods to get the ball rolling on your down payment savings


Buying a home is a huge step in life and begins with a huge hurdle: the down payment. Fortunately, by starting early and thinking things through, you can get a solid jump on saving. Here are some easy ideas to get you started.
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Why You Shouldn't Buy a Brand-New Vehicle
Don't get sucked in by the glitz of a new car


A shiny new vehicle with single digits on the odometer is tempting, especially when dealerships promote big discounts or low interest rates. However, there are many reasons why it is oftentimes better to go the used vehicle route or- better still-to hold on to your current car for longer.
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Online Financial Scams to Avoid
Keep your bank account safe online


Once you begin experiencing the time savings and convenience of banking online, it may become hard to remember how you ever lived without it. The online tools provided by your financial institution can make many of your financial tasks a breeze, while built-in security measures keep your information and your money safe.
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Best Ways to Spend Your Money Once You've Retired
You've spent your life saving for retirement, so make sure to put the money to good use


There is no right or wrong way to spend your money once you've retired. But you also don't want to spend a lifetime of savings on something trivial or wasteful, or on nothing at all. Instead, you may want to spend your money in a unique and enjoyable way.
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Joint Checking With Your Spouse: How Much to Contribute
Marrying your finances after you've tied the knot depends on several factors


Many couples decide to open a joint bank account once they get married, while others maintain separate accounts to manage their finances. There is no right or wrong decision, but if you are going to open a joint account, there are several factors to consider regarding how much each spouse should contribute.
[FULL STORY]

Reinvesting Your Profits
How much of your profits should you reinvest in your business?


The power to transform your ideas into real products and services is one of the most fulfilling parts of being a business owner-and when those ideas become profitable, the feeling is even better. Deciding what to do with those profits is an important part of running your business, starting with determining what percentage of your profits to reinvest.
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The Importance of Paying Your Bills on Time
The success of your business relies heavily on making on-time payments


Paying your business bills follows the same rule of thumb as your personal bills: Maintaining an on-time payment schedule for all of your bills will help keep your credit, and therefore your business, in good standing. Furthermore, not paying your bills on time causes a trickle-down effect that could negatively impact your business.
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Celebrate Christmas in New York City
How to spend the holidays in the Big Apple


New York City is an attraction for tourists all year long, but it has a special charm during the holiday season.
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How Volunteering is Good for Your Health
Four ways volunteering improves mental and physical health


The end-of-year holidays are a popular time to volunteer at charities and non-profit organizations. However, many people might not realize that as they help others, they also help themselves.
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4 Great Films from 2016 You Might Have Missed
Check out these fantastic films that you probably haven't seen


The film industry continuously works to create stories that will amaze and inspire for generations. This year, we've already been introduced to plenty of popular blockbusters that have warmed our hearts or made us laugh until we can't breathe.
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4 Great Ideas for Your Office White Elephant Gift Exchange
Not sure what to get for your white elephant gift exchange? Try these ideas on for size


If you have never participated in a white elephant gift exchange before, or if you are simply looking to provide one of the best gifts available at the party, consider the following ideas.
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Is an Electric Vehicle Right for You?
The pros and cons of owning an EV


If you're considering a new ride, you owe it to yourself to check out an electric vehicle (EV). Here are some of the pros and cons of owning one.
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