Personal Insights

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Latest Financial Scams in 2024

Be able to recognize and respond to new financial scams on the rise in 2024.

Fraudsters attempt to invoke an emotional reaction and create a sense of urgency to steal user IDs, passwords and security codes.

Can You Spot the 10 Most Common Financial Scams?

When it comes to modern financial scams, awareness and vigilance are key to prevention.

Criminals are adopting increasingly sophisticated tactics, using spoofing technology and leveraging exposed personal data to make their attempts seem legitimate.

Introducing Your Children to Your Advisor

Opening lines of communication with your children about family financial planning is important regardless of their age.

Advisors say it's never too early for children to meet the family financial advisor, but those encounters—and their benefits—will look significantly different depending on your children's ages.

Consider Insurance for Your Pet

Prepare for vet bills with pet insurance that covers your furry friends and aligns with your budget.

When shopping for pet insurance, be sure to get multiple quotes so you can choose the best value and coverage for your budget.

Make Smart Decisions About Your Work Benefits

Ask yourself these questions as you prepare for open enrollment season.

If something happens that makes you unable to work, it likely will have a financial impact not only on you but also on your parents, siblings, spouse and children.

How To Maximize FDIC Coverage on Deposits

Learn how account titling can help you maximize FDIC coverage and protect your money.

The rules get a little more complex when you have more than $250,000 deposited in an FDIC-insured bank, but there are ways to stay protected.

First-Time Homebuyer's Guide: Steps to Buying a House

Dreaming of homeownership? Explore the steps involved with buying a house, as well as tips and resources for first-time buyers.

As you navigate the homebuying process, know that there are resources available to help you along the way.

How to Handle Identity Theft

When identity theft occurs, it's important to take action. Here's what to do if your identity is stolen.

When fraud and identity theft are left unreported, significant damage can be done to your bank account and your credit score.

Moves to Consider Now to Save on Taxes

Don't wait until the end of the year to plan your tax-saving strategies.

There's one fundamental action on which tax-saving strategies are built—forecasting. That means understanding your finances and potential tax burdens ahead of April.

Financial Planning Guide to Buying a House

When it comes to financial planning to buy a house, these six steps potentially help you save a sizable amount of money on your mortgage.

Taking time to prepare your finances before buying a house can do more than improve your loan approval odds and give you more comprehensive borrowing options—it may also have a positive long-term impact on your personal finances.

Pros and Cons of Building Your Own Home

Is building your own home a good idea? Learn about the pros and cons of building versus buying.

Building your own home can offer many benefits, but there are a few key factors that determine whether you should build or buy.

Capitalizing on the Inflation Reduction Act

You could see lower healthcare costs and tax credits for energy-efficient home improvements and electric vehicle purchases this year.

What's in the act that may affect you in 2023 and beyond?

Points to Consider When You Shop for Long-Term Care Coverage

These five points could be crucial to finding the policy that is affordable and right for you.

It's not if something is going to happen, but when.

Top Home Improvements That Boost Value

Trying to choose which home improvement project to tackle next? Read this first.

A home improvement loan offers eligible homeowners an unsecured loan to update, upgrade or renovate a home.

Closing on a House: What to Expect

Finding a home and making a successful offer may take time. But so does closing on a house. Here's what to expect and how to prepare for the closing process.

Getting approved for a mortgage is the lengthiest part of closing on a house. Speeding up this process can benefit buyers in a few ways, not the least of which is possibly gaining access to your new home sooner.

Is a Mortgage Refinance Right for You?

Thinking of refinancing your mortgage? Discover the pros, cons and key considerations to help you determine whether a mortgage refinance makes sense for you.

When it comes to deciding when to refinance your home, it's helpful to consider the following questions.

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This information is provided for educational purposes only and should not be relied on or interpreted as accounting, financial planning, investment, legal or tax advice. First Citizens Bank (or its affiliates) neither endorses nor guarantees this information, and encourages you to consult a professional for advice applicable to your specific situation.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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