Is Your Identity Safe with the IRS?
As tax filing season begins, the media and Internet are full of stories discussing telephone scams and e-mail phishing schemes related to the IRS and your personal information.
The telephone scam usually works like this: A person calls stating that he or she is with the IRS. This person will provide a last name – usually a common last name – and badge number. The person will give you the last four digits of your social security number. Your caller ID may even show that the call is from the IRS. The person will then state that you owe taxes and they need information from you in order to make arrangements to pay the amount supposedly owed. You may hear background noise to make it sound as if the person is calling from a call center. You may be threatened with legal action, jail time, or suspension of your driver’s license.
... Continue Reading >
First-Time Homebuyer? What You Need to Know
Buying your first home can be both exciting and overwhelming. How much home can I afford? What do I need for a down payment? Should I choose a variable or fixed interest rate?
Buying a first home is one of the biggest investments a person may make in his or her lifetime. To ensure you are ready, it’s key to arm yourself with the right information. To begin the process, ask yourself the following questions:
... Continue Reading >
6 Questions to Give Your Money a Financial Tune-Up
What worries you most? If you’re like most people, money and financial matters contribute significantly to your stress. In fact, 53% of Americans reported they were moderately or very worried about financial matters, such as retirement, maintaining their standard of living, medical costs, housing costs, and paying normal monthly bills. ... Continue Reading >
Rethinking the ‘4 Percent Rule’ for Retirement Planning
Most retirees have at least one thing in common: to outlive their money. For years, many soon-to-be retirees have relied on the so-called gold standard of retirement planning called the “4 percent rule.” ... Continue Reading >
What Drives a Customer to Switch Banks?
The decision to change your familiar bank may not be easy but it’s a decision that in many cases is driven by frustration with service. ... Continue Reading >