Knowledgeable

If you’re going to make that purchase, what information are you handing over? Before providing personal or financial information, check the website’s privacy policy. Make sure you understand how your information will be stored and used.

Think about how you’re searching online. Are you searching from home, on public Wi-Fi? How are you finding the deals? Are you clicking on links in emails? Going to trusted vendors? Clicking on ads on webpages? You wouldn’t go into a store with boarded up windows and without signage, the same rules apply online. If it looks suspicious, something’s probably not right.

Before making any online purchases, make sure the device you’re using to shop online is up-to-date. Next, take a look at your accounts and ask, do they each have strong passwords? And even better, if two-factor authentication is available, are you using it?

Financial news throws around a lot of confusing terms. Unless you know bear from bull, red from black, and The Dow from The NASDAQ, it can be hard to understand exactly what is being said. But it only takes a few minutes to brush up on the most common financial terms.

What to do if you gave a scammer your personal information

Scammers often pretend to be contacting you on behalf of the government. They might use a real name, like the FTC, Social Security Administration, IRS, or Medicare, or make up a name that sounds official.

The SECURE 2.0 Retirement Savings Act passed at the end of 2022 with more than 90 guidelines to help Americans save more for retirement, but some of the provisions are only now going into effect. Here is a highlight of the changes for 2024.

If you're willing to wait, a CD or share certificate can be a great way to earn a high interest rate on the money you deposit.

Scammers tell you to PAY in a specific way

Crystal Valley Financial Corporation/First State Bank has been named one of the nation's top 60 publicly traded community banks.