Building a Good Credit Record

Posted on Jun 26, 2018 in Borrowing Money, Featured, Personal Financial Insights | Comments Off on Building a Good Credit Record

Building a Good Credit Record

A solid credit history can be one of your most useful and powerful financial assets. A record of prudent credit use and prompt payments can enable you to not only qualify for credit when you need it, but it may also enable you to get a lower interest rate on your borrowing.

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Developing and Using a Wise Borrowing Strategy

Posted on May 2, 2018 in Personal Financial Insights | Comments Off on Developing and Using a Wise Borrowing Strategy

Developing and Using a Wise Borrowing Strategy

Is your borrowing under control? The sensible use of credit is part of a total financial strategy. Using credit can provide benefits but can also have drawbacks. Read on for a few guidelines to help you feel comfortable with your credit use.

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Financial Tip: Pay More Than the Minimum on Your Credit Card

Posted on Mar 30, 2018 in Personal Financial Insights | Comments Off on Financial Tip: Pay More Than the Minimum on Your Credit Card

Financial Tip: Pay More Than the Minimum on Your Credit Card

Cut months or even years off your credit card payments by increasing the amount you pay each month.

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Online Banking Best Practices for Businesses

Posted on Feb 8, 2018 in Business Financial Insights, Featured, Online Security | Comments Off on Online Banking Best Practices for Businesses

Online Banking Best Practices for Businesses

The internet is awash in expert online banking advice. Brian Krebs, a well-respected security expert, has published his list of the ten best practices for safe online banking. Below we provide our thoughts on some of the more interesting points, but it would be worth your time to consider all of them.

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Save $1,000 (or more) this year

Posted on Jan 18, 2018 in Featured, Managing Your Money, Money Tips, Personal Financial Insights | Comments Off on Save $1,000 (or more) this year

Save $1,000 (or more) this year

There are several ways to build a savings account. A popular one is the 52-week challenge. The way it works is you save $1 the first week, $2 the second week, $3 the third week, and so on for 52 weeks. We like this because it starts small to get you started. But, here’s a variation of that method.

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Start 2018 with these budgeting tips

Posted on Jan 3, 2018 in Managing Your Money, Personal Financial Insights | Comments Off on Start 2018 with these budgeting tips

Start 2018 with these budgeting tips

If your New Years resolution is to save money, start with a budget that you can live with that includes saving some of your income every month. It sounds simple, right? Tracking your monthly spending, then making a plan to stay within that budget can be an overwhelming task for some people. We suggest starting small. First, look at your after-tax income. Don’t include income you can’t be sure to receive, such as periodic bonuses or tax refunds. Second, track your expenses for two months. The easiest way is to download your...

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How do you know if you have been hacked?

Posted on Oct 12, 2017 in Online Security | Comments Off on How do you know if you have been hacked?

How do you know if you have been hacked?

All this talk about how everybody is vulnerable to being hacked; how do I find out if it happened to me? The Director of the FBI famously said that all the big companies in the country have been hacked, some just don’t know it yet. Strong words. With such widespread criminal behavior, against heavily protected organizations, it makes sense that every person with a computer should know how to figure out if he or she have been hacked. You may have been hacked if: There are posts on Facebook, Twitter or other social media from your account that...

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Protecting your identity after the Equifax security breach

Posted on Sep 19, 2017 in Online Security | Comments Off on Protecting your identity after the Equifax security breach

Protecting your identity after the Equifax security breach

On September 7, 2017, Equifax, one of the largest consumer credit agencies, announced that a data breach potentially affecting 143 million U.S. consumers. The data breach included Social Security numbers, names, addresses, driver’s license numbers, dates of birth, and in some cases, credit card numbers. Equifax has published a web page for consumers to visit and determine if their information was included in the breach https://www.equifaxsecurity2017.com. If you have not done so, you should visit the site as soon as possible. If your...

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America Saves Week Feb 27, 2017

Posted on Feb 21, 2017 in Managing Your Money, Money Tips, Peoples Bank News, Personal Financial Insights | Comments Off on America Saves Week Feb 27, 2017

America Saves Week Feb 27, 2017

A lot of people in America have a name for their biggest single paycheck: “Tax Refund.” Tax refunds often help families move up the economic ladder when they use it to pay down debt, help purchase necessities, or increase disposable income (savings). On the flip side, tax refunds can have minimal impact when used to purchase things that have little value, or worse, have no value. Peoples Bank wants you to be economically stable. We want you to feel good about your potential to thrive financially, and we provide tools and information to help....

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Protect the Identity of the Dead

Posted on Feb 2, 2017 in Online Security, Peoples Progress e-Newsletter | Comments Off on Protect the Identity of the Dead

Protect the Identity of the Dead

Family members are not generally at risk from the theft of a dead loved one’s identity. But nobody wants to have to deal with the hassle that can happen when a bad guy uses the identity of a deceased to file a fake tax return or open a credit account. Here’s what you need to know about the issue, and how to protect your family from the threat. AARP reports that each year millions of identities from deceased persons are hijacked. And because it takes some months to detect the crime, handling the phone calls and paperwork to resolve...

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