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Personal Finance Articles & Advice

Personal Finances 2 min read

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Looking for advice on how to better manage your finances? First Bank’s* collection of personal finance articles can help you with every aspect of managing your funds, from saving money to investing or buying a house.

Personal Finance Advice Articles

Girl managing finances with online device5 Tips for Safely Managing Your Finances Online

Keeping track of your finances is easy when you create an online account with your bank. And while managing personal financial information online may seem dangerous, there are ways to do it safely. These 5 tips will help you safely manage your finances online.

Cars in Lot - Tips for Buying New CarBuying Your First New Car: What to Know

Buying your first car should be a fun and exciting experience, not a stressful one. Before you take a test drive, consider these tips on buying your first new car.

How to avoid paying too much for a house - First BankHow to Avoid Paying Too Much for a House

You’ve finally found your dream home, but it seems a little overpriced. You don’t want to give it up, but you can’t pay that much. So what do you do? This article features tips from real estate agents that can help you avoid paying too much for the house of your dreams.

Exterior of a traditional college campus.How to Get Help Paying for College

College is expensive, and it is only getting more expensive each year. But that doesn’t mean getting a college education is unattainable. This article highlights just a few of the many organizations that are stepping up and offering to help students pay for college.

Umbrellas - Life Hacks to Save Money10 “Life Hacks” That Will Save You Money

Sometimes saving money can seem like an impossible task. When creating a budget, you might be tempted to cut the big things first, but it’s actually the little expenses that can save you the most money in the long run. Use these 10 “life hacks” to start saving today.

For more articles on personal finance, visit First Bank’s Financial Education Center.

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Source:

CNBC: http://www.cnbc.com/2015/06/16/why-college-costs-are-so-high-and-rising.html

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Best Savings Account For Kids Finding the best savings account for kids doesn’t have to be complicated. Savings accounts can foster good saving and spending habits, and your child will probably enjoy watching their savings grow. First Bank offers the best savings account for kids in North Carolina and South Carolina. First Bank makes saving easy with our MyFirst Savings account. With this account, your child (under 18 years of age) can save money and earn interest. MyFirst Savings includes: 2 free withdrawals per month* No minimum balance to earn interest Interest-earning account $10 minimum required to open account Free online and mobile banking* Free online bill pay Free eStatements or paper statements The best part? There is no monthly service charge for this account. So you won’t have to worry about your kids’ savings being cut into by costly fees. Best Savings Accounts for Any Age Lead by example with one of First Bank’s five other savings account options. We offer savings plans for adults that range from basic savings accounts to accounts that can help you save for anything—from college to retirement. They are: Everywhere Savings—a simple savings account with a competitive rate Money Market—offers higher rates and access to your funds Certificates of Deposit—enjoy a guaranteed return with a fixed rate and choice of terms IRAs—a long-term savings strategy with tax advantages Health Savings Accounts (HSAs)—a way to save for current and future healthcare expenses To learn more about First Bank’s savings accounts and why we offer the best savings accounts for kids, visit a branch near you. Teaching Your Kids to Save Children often learn their saving and spending habits from their parents, so teaching your children how to save money can be essential to their future. Children who grow up without knowing how to save money, budget, or pay bills often make poor financial decisions in the future. Follow these tips to teach your children the importance of saving money: Allow your child to earn money — try assigning your child age-appropriate chores then give him or her a weekly allowance when they are completed. Let your child spend money — allowing your children to purchase things they want with their own money will encourage them to earn money. Help your child save 4 min read
A college campus sidewalk with building in the background How to Get Help Paying for College With the cost of college rising each year, it’s refreshing to hear about companies and organizations that are stepping up to help pay the way. We've highlighted a couple of options for students, whether you’re able to work your way through or heading straight to college from high school. 3 min read
Highest Yield Savings Account A high yield savings account is a great way to grow your money over the long term. First Bank has several options for those searching for the highest yield savings account available to them. Read on to learn more about the best ways to save your money for the future. Save Your Hard-Earned Cash With A First Bank High Yield Savings Account First Bank offers high yield savings accounts that will help you save your hard earned cash, so you can spend it however you want to in the future. Our Money Market Account gives you access to your savings, while you earn interest at a higher rate than most other savings account options. Money Market Account benefits include: 6 free withdrawals per month* Interest-earning account access $1,000 minimum required to open account Free online and mobile banking* Easy money transfers Free eStatements or paper statements A certificate of deposit is also a good option for anyone looking for the highest yield savings account possible. If you do not need immediate access to your funds, a CD usually offers higher interest rates than savings and money market accounts. First Bank’s CDs are safe, FDIC-insured investments, and typically offer fixed interest rates. Learn More About High Yield Savings Accounts Today To learn more about the highest yield savings accounts in North Carolina and South Carolina, visit our website or stop by your local First Bank branch. ——— Sources: Investopedia: http://www.investopedia.com/articles/pf/09/high-yield-savings-account.asp *Withdrawal fee of $15 each after the first six free during the month. Federal regulations limit withdrawals of preauthorized transfers to six (6) per month, including checks, drafts, online transfers, telephone transfers and debit card purchases. You may conduct an unlimited number of withdrawals at the ATM, in person at a branch, or by mail when the check is mailed to you. *While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 2 min read
Image for tile. Lock It Up: Protect Your Login Info These days an increasing number of people are online creating accounts for shopping, streaming services, or to stay connected with other people. Of course, with all those accounts on various websites, who wants to create a different username and password every time? Well, it turns out the extra effort is worth it. Having different logins for your online shopping or subscription accounts can reduce your risk of fraud. Here’s why: if you use the same username and password across multiple sites and one of them is compromised, access to the other sites is automatically at risk. Fraudsters will then use the stolen credentials on those other sites to see if they can gain access and attempt various forms of fraud or other data mining activity. Please note: First Bank has several protective measures in place to ensure that your information is secure and that your account is safe from this type of fraud. But your other online accounts may not be so well guarded. Here are some tips to help you make each of your log-ins stronger and more secure: Use different login information. Not surprisingly, this is the best thing you can do to keep fraudsters out of your retail or subscription accounts. This means you will need to resist using your favorite username or password over and over again because it is the easiest to remember. Create strong/unique usernames and passwords. When using different usernames and passwords, use information that is not easily identifiable, but something you can remember. The more complex, the less likely it is to be guessed. One more tip: use numbers, capital letters, and special characters throughout your username or password, not just at the beginning or end. Enable two-factor/multi-factor authentication where available. By enabling this feature, a user is provided a second form of identification to verify a log in attempt. Think of it as a second layer of protection against potential attackers. This can be as simple as receiving a code via text or email, or clicking a link to confirm a log in from an unfamiliar device. Keep second factor information confidential. Never give out your second factor code to anyone – even if they say they are from a favorite 3 min read
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