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What is an Estate Plan and Why Do You Need One?

What is an Estate Plan and Why Do You Need One? At American National Bank & Trust Company, we are pleased to offer comprehensive estate planning services to our clients, helping to ensure that their legacy is protected and their loved ones and beneficiaries receive the full benefit of their hard-earned wealth. In this post … Continued

What is a Health Savings Account?

What is a Health Savings Account? If you have a high deductible health plan, you’re eligible to open a Health Savings Account (HSA). Keep reading to learn how HSAs work, what they can be used for, and other important information.   How does an HSA work? A Health Savings Account (HSA) is a type of … Continued

How to Create a Long-Term Savings Plan

In an ever-changing financial environment, having a well-structured long-term savings plan is essential for achieving significant financial goals. Whether you’re aiming to buy a house, add a vehicle to the garage, save for education, build retirement savings, enjoy a well-deserved vacation, or pursue other important goals, a long-term savings plan acts as a clear path … Continued

Five Reasons to Review your Estate Plan

Your estate plan is a vital tool that ensures your wishes are honored and your loved ones are taken care of when you’re no longer able to do so. It’s generally advisable to review it every three to five years. However, life is full of changes and unexpected events. Changes in relationships, financial circumstances as … Continued

What is Compounding Interest?

Compound interest is one of those things that can either work in your favor (as with saving and investing) or hurt you (as with credit card debt and student loans). In this article, we’ll explain what compound interest is and how you can take advantage of it to grow your savings.   What is compound … Continued

How to Use Your Credit Card Strategically

Whether you’re ready to get your first credit card, or have had problems managing credit cards in the past, this article will explain how to best use your credit card(s) to reap benefits, avoid high fees, and improve your credit score. Used strategically, a credit card can be a convenient financial tool that also helps … Continued

4 Financial Literacy Lessons to Teach Your Kids

The earlier you start teaching your children basic concepts of money management, the more effective those lessons can be, setting them up for lifelong benefits. But, in the hustle and bustle of raising children, it can be easy to overlook common but important everyday teaching opportunities. Showing your children the value of money and instilling … Continued

The Importance of Creating a Will

Your last will and testament, aka your will, is a legal document that lays out how you want to distribute your assets and possessions after your death. If you die without a will, known as intestate, the distribution of assets, as well as the guardianship of any minor children, will be decided by a probate … Continued

Creating a Holiday Gift-Giving Budget

Holiday shopping season is around the corner, and this year, perhaps more than ever, creating a shopping and budget plan in advance can be key to curbing your spending during times of high inflation. As WRAL of Raleigh points out, “People are recalculating how much they can spend on gifts and spreading out their Christmas … Continued

Everything You Need to Know About Buy Now, Pay Later

Installment plans have been around forever, but today’s iternation, known as Buy Now, Pay Later, is growing in popularity and platforms. With Apple entering the Buy Now, Pay Later (BNPL) market, and the number of consumers using BNPL predicted to grow to over 59 million this year, you may be wondering if BNPL is right … Continued