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...

read more

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...

read more

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...

read more

Deciding When to Retire: When Timing Becomes Critical

Posted on Feb 2, 2017 in Featured, Investing, Peoples Progress e-Newsletter | Comments Off on Deciding When to Retire: When Timing Becomes Critical

Deciding When to Retire: When Timing Becomes Critical

Deciding when to retire may not be one decision but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses, but also what sources of retirement income you’ll have and how long you’ll need your retirement savings to last.

read more

Check Your Credit Report Safely to Avoid Hassles

Posted on Jan 19, 2017 in Featured, Peoples Bank News | Comments Off on Check Your Credit Report Safely to Avoid Hassles

Check Your Credit Report Safely to Avoid Hassles

You really should review your credit report every twelve months. Why? And how do you fix reporting errors? Read on to get the answers. I can get my credit report for free. So what? Landlords, car dealers, merchants, banks, credit unions—all of them review what’s known as your credit report to see if you are good at paying your debts. Over the many years that credit reporting services (called credit bureaus) have been around, they got pretty good at knowing just about all there is to know about your credit history. But sometimes they make...

read more

If you thought privacy laws shield villains from elder financial abuse, think again

Posted on Jan 3, 2017 in Elder Abuse, Featured, Peoples Bank News | Comments Off on If you thought privacy laws shield villains from elder financial abuse, think again

If you thought privacy laws shield villains from elder financial abuse, think again

The privacy laws in this country would seem to favor criminals as well as the good. Perhaps you have heard that comment, or said it yourself. Fraudsters can steal money because they have Power of Attorney and no-one is allowed to disclose the details about the transactions to authorities, right? Wrong. Peoples Bank is only too happy to report you if we even suspect you are financially abusing a senior or disabled adult. Interagency Guidance on Privacy Laws and Reporting Financial Abuse of Older Adults issued clarification about privacy and...

read more

Free public Wi-Fi can cost you dearly

Posted on Dec 12, 2016 in Featured, Online Security | Comments Off on Free public Wi-Fi can cost you dearly

Free public Wi-Fi can cost you dearly

What do public libraries, gyms, hospitals and coffee shops have in common? Wireless internet access that invites theft of your sensitive information. These days even the air comes at some health cost in many areas of the globe. Free wireless internet (Wi-Fi) often comes at a cost, too: it is possible to intercept or steal sensitive information such as account credentials to your online banking account. In fact, some could argue that such information is handed over rather than stolen; to gain access, the user often agrees to terms and...

read more

Beware, ‘tis the season

Posted on Dec 2, 2016 in Featured, In the News, Money Tips, Peoples Bank News | Comments Off on Beware, ‘tis the season

Beware, ‘tis the season

The 2016 Holiday season is near. That time when marketers assault your financial discipline with the emotional equivalent of an Armored Military Division. Prepare now to protect both yourself and those you love with these helpful holiday spending tips for surviving the threat to your financial well-being. Knowing the risk is the first step The holidays are set apart from the norm with the music, decorations, smells and “holiday savings”. Ruth Hayden, a financial educator writes, “It is a seduction. Consumers are seduced into...

read more

Protect Your Business IT Assets

Posted on Nov 14, 2016 in Business Financial Insights, Featured, Online Security, Peoples Bank News | Comments Off on Protect Your Business IT Assets

Protect Your Business IT Assets

By Having Good Updating and Decommissioning Procedures Protecting customers’ sensitive information is one of the most important things your business can do. If customers can’t trust you to protect its interests, they will look elsewhere to spend their dollars. Technology advances at such a rate that it is hard to keep up with IT security best-practice. But keep up we must. Peoples Voice has published several blog posts with tips about information security for business owners and operators over the years. This post addresses two problem...

read more

Tips for Saving Money (even if you don’t have a lot)

Posted on Nov 10, 2016 in Featured, Money Tips, Peoples Progress e-Newsletter, Personal Financial Insights | Comments Off on Tips for Saving Money (even if you don’t have a lot)

Tips for Saving Money (even if you don’t have a lot)

These days, with interest rates at historic lows, the good news is that loans are more affordable than when rates were higher. The bad news is that saving money to create wealth takes more thought and effort. Because of the Rule of 72, simply putting some money in a savings account used to be an effective strategy. Back when deposit interest rates were 4%, interest alone would double your initial deposit in just 18 years. Now, with rates near 1%, that same math would work out to 72 years! So what’s the solution for saving money now, when...

read more