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October 2011
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The Basics of Health Savings Accounts
Understand HSA contributions, withdrawals and tax benefits

Photo: The Basics of Health Savings Accounts
Established as part of the Medicare prescription drug legislation that was signed into law in 2003, health savings accounts (HSAs) are tax-advantaged medical savings accounts available to individuals who are also enrolled in high-deductible health plans (HDHPs). About eight percent of private industry employees in the U.S. have access to HSAs, according to the Bureau of Labor Statistics.

It Takes Two to Manage Your Balances
Share the responsibility of monitoring your accounts

Photo: It Takes Two to Manage Your Balances
Regularly monitoring your account balances is the single most effective safeguard against letting your finances go awry. Doing this keeps you in control of your financial situation, instead of the other way around.

Critical Questions to Ask When Choosing a Credit Card Processor
by Sam Huntington, CTP, AAP, CFP®

Too many businesses experience dissatisfaction AFTER they sign a merchant services contract because they did not understand key terms of their agreements. Park Bank encourages you to explore the full range of credit card transaction tools at your disposal and to seek maximum value from your processing partner. Ask these questions, and get the answers in writing!


Paper Savings Bonds No Longer Available in 2012 and Beyond
Financial institutions to stop issuing paper bonds by end of year

The Bureau of Public Debt, the arm of the United States Treasury that oversees the sale and redemption of savings bonds, has announced that as of January 1, 2012, paper savings bonds can no longer be purchased at financial institutions.

Shopping for a Used Car? Here’s What to Look For.
A little research can go a long way toward a fantastic bargain
Many car buyers won’t even consider a used car. But used car buyers have the benefit of a significantly reduced purchase price with reliability that can match, and even exceed that of a new car. Sure, used car buyers have had a few experiences that they’d rather not relive, but many have also driven cars that they couldn’t have afforded to buy new. The trick is to go armed with plenty of information and reams of research before you even see a car you’re interested in. Here are a few tips on finding a good used car:
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