Financial Caregiving

Explore More Courses

Illustration of a piggy bank with an umbrella above it.

Building Financial Resilience Learn how to bounce back from financial setbacks. 11 Topics

Illustration of clipboard with charts, a credit card, and a calculator.

Family Financial Planning Bring the family together to talk about a financial plan. 7 Topics

You may be interested in...

Learn How to Be A Phishing Attack Detective With a number of people relying heavily on online services and communication for work and personal life, cybercriminals have increased their volume of attempts to acquire personal information. One of the most common ways they may try to gain access to this secure information is through phishing attacks. This causes problems for both individuals and companies when they are trying to keep information safe. What is phishing? As described by phishing.org, “Phishing is a cybercrime in which a target or targets are contacted by email, telephone or text message by someone posing as a legitimate institution to lure individuals into providing sensitive data such as personally identifiable information, banking and credit card details, and passwords. The information is then used to access important accounts and can result in identity theft and financial loss.” These attempts may look like someone posing as a coworker, asking for input, including links or attachments, among other things. Scammers attempt to gain access to user information every day, but when you know what to look for you don’t have to become a victim. Take a look at our playlist for a few tips to help you become a phishing email detective and use them in your everyday life. It is always a good idea to double check information before opening anything from unknown senders. In episode 1, you see Gil Ubble attempting to open an email from an external source. Upon further investigation, the domain name does not match and the email is not from someone at the company. Often times people are caught in these attacks because they aren’t paying close enough attention to who the email came from. If the email in question looks similar to something that provider would send, do not click on links or attachments. Instead, go directly to that company site or give them a call to make sure the information is accurate. If the email comes from someone who seems to work at your company, but you do not know the person, check to see if they actually work there. Even if the person’s email shows that they work at your company, check the email for other signs of false information. Scammers may go to extra lengths to spoof email addresses 4 min read

First Bank Loans Between banks and online lenders, you have a lot of options to choose from when you need a loan. But not all loans are created equal, and First Bank loans are a step above the rest. If you are in need of a loan, visit your local First Bank. We offer a variety of loan options, from personal loans to mortgage loans, with highly competitive rates. Loans Available at First Bank First Bank loans come in a variety of forms, each with competitive rates and flexible terms: Personal loans. Gain instant borrowing power with a personal credit line or use the equity in your home to secure a home equity loan. Business loans. Use a credit line, lump-sum business loan, or construction loan to finance your business. Credit cards. Take advantage of no annual fees and competitive interest rates to complete personal or business transactions today and pay for them tomorrow. Mortgages. Conventional, government, jumbo, commercial, and professional loans are all possible with a First Bank loan. Applying for a First Bank Loan Applying for a loan is simple with First Bank. For a business loan, talk to one our experts during a small business financial consultation. An application for a mortgage loan can be filled out online. For personal loans or credit cards, just contact your nearest First Bank and speak to one of our associates. Whether it’s building a business or moving into your dream home, a First Bank loan can help you with some of life’s biggest purchases. Loans subject to credit approval. ——— Sources: Investopedia: http://www.investopedia.com/terms/o/overdraft-protection.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 Investopedia: http://www.investopedia.com/terms/i/interest.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 2 min read

Three Tips to Building Your Emergency Savings Trying to stay on top of your finances and budgeting for monthly expenses can be stressful, especially when unexpected car repairs, job related issues, or natural disasters occur. We want to make sure that you are fully prepared in case any unexpected life altering events happen and fortunately there’s a way you can do so. Starting to build your emergency savings can help you when you find yourself in a bind. Emergency savings, or an emergency fund, allows you to build a savings buffer, so that you do not have to worry about how to pay for unforeseen financial emergencies. If you don’t know where to start with saving for emergencies, here are a few tips to help get you started. Create a budget. Creating a budget helps you estimate how much you are spending. You can adjust a budget to show how much you are spending on a monthly or weekly basis. This helps you visualize where your money is going and how much of your income you have left over after paying bills. Having a budget can also help you determine wants vs. needs. Determining needs over wants can free up more money from things that aren’t necessities. Determine how much to put into your emergency savings. Money experts recommend having three to six months’ worth of expenses saved in your emergency savings. However, once a budget has been created and you see how much extra income you have, you can decide how much is reasonable to put into an emergency fund. Don’t be discouraged if it seems like you aren’t saving enough initially. Everyone’s situation may vary and as you become more comfortable saving, adjustments can be made. Determine where to keep your emergency fund. Figuring out where to keep your emergency savings is completely up to you, but make sure to keep it in a place that is easily accessible. A few options for savings are a savings account, checking account, or certificate of deposit. No matter which option you choose, we have associates ready and available to help get you started. Find your local branch today and start getting your savings in order. Want to continue learning how to make your money go further? Take 3 min read

How to Retire in North Carolina Do you dream of retiring and spending the rest of your days relaxing and enjoying life in beautiful surroundings? If so, retirement in North Carolina may be for you. 5 min read

Get In Touch

At First Bank we offer the perfect financial tools for you or your business. With over 90 years of local experience we’re here for you.