Park Bank’s eNews

September 2011
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Mortgage Rates Hit Historic Lows
The Tax Benefits of Home Equity Loans
What Are Points?
AAA Representatives Offer Back to School Safety Information
Three Ways to Store eStatements
Cars With the Best Resale Value
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Mortgage Rates Hit Historic Lows
Online Tools Help Home Buyers and Existing Owners Take Advantage of Attractive Lending Options

Historically low mortgage rates are helping homebuyers make the most of their budgets, and current homeowners stand to benefit from market pressures pushing rates lower than we've seen for a long time. If you fit either of these scenarios Park Bank is here to help you maximize your mortgage investment.
[FULL STORY]
 
The Tax Benefits of Home Equity Loans
Using the value in your home to strengthen your financial position


Home equity loans remain one of the most powerful financing vehicles used by American consumers. According to the U.S. Federal Reserve, the total dollar amount of outstanding home equity loans was $925 billion in the first quarter of 2011 and home equity constituted 11 percent of the average U.S. household’s net worth.
[FULL STORY]
 
What Are Points?
Anyone who has ever shopped for quotes on a mortgage to find out just how much it might cost has likely heard about mortgage points. Though the term might seem abstract, the concept is actually quite simple. Mortgage points describe certain charges to be paid in order to obtain a mortgage on a home. Each mortgage point is a fee based on one percent of the total amount of the loan.
[FULL STORY]
 
AAA Representatives Offer Back to School Safety Information
On-Site Visits in Park Bank Branches in September

Learn more about AAA discounts available for Park Bank clients.
[FULL STORY]
 
Three Ways to Store eStatements
Take advantage of technology that lets you better monitor and organize your finances


According to a 2010 article on DailyFinance.com, a study conducted by Javelin Strategy and Research found that 62 percent of individuals who switched to eStatements said that they preferred the digital version to a traditional paper statement because it was easy to access online. These results aren’t surprising, since going through months’ or years’ worth of paper statements looking for one small charge can be daunting. The use of eStatements is a paper-free solution to account-activity tracking that is better not only for organization and management, but also for the environment. It can be a more secure way to receive sensitive information and make operations less expensive, as well.
[FULL STORY]
 
Cars With the Best Resale Value
What you need to know before you buy


With only a handful of exceptions, a new car is almost guaranteed to significantly decrease in value over your term of ownership. As soon as you take possession of your new car, it begins to depreciate, and the biggest drop in value will occur in the first year you own it. Some car values, however, drop more steeply and quickly than others. Differences are often tied closely to how cars rate for reliability and quality, but also according to brand image and consumer demand.
[FULL STORY]
 
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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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