Personal Insights

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Calculate Your Net Worth to See Where You Stand

Knowing your net worth can help you make informed financial decisions about debt and spending.

In its simplest form, net worth is your total assets (things you own that have value) minus your total liabilities (things you don't own, that cost you money).

How an Umbrella Policy Can Offer Extra Protection

Assets tend to naturally increase as your career progresses. Here's how to protect your way of life.

You might find that an umbrella policy helps to ensure you have enough protection for your family and your assets.

How to Push for Financial Equity

Learn how financial gender gaps can impact you, and find ways to take action.

The gender pay gap has improved over the years, but progress is slow. Unless the pace picks up, the US won't achieve equal pay until 2059.

Use Card Alerts to Prevent Fraud

Learn how to set up and use card alerts to safeguard your finances.

Card alerts can help you keep a watchful eye on your accounts while offering peace of mind for your overall finances.

What to Know About Early 401(k) Withdrawals

Withdrawing funds early can cost you in penalties and fees and limit your retirement savings.

The upside of a 401(k) loan is that you repay yourself rather than a lender, and you won't incur the early withdrawal penalty.

Stay or Switch Jobs? What to Consider

Job hopping could be a lucrative option, but there may be downsides to keep in mind.

You'll be missing out on a retirement savings boost if you change jobs before being vested in your employer's match.

Choosing the Right Time to Buy a House

If you're trying to decide whether it's a good time to buy a house, consider these factors.

When buying a home, weigh all the factors and determine how your costs could change in different scenarios.

5 Ways to Lower Your Credit Card Payments

If you struggle to manage credit card debt or just want to pay less monthly, consider these tips.

Negotiating a lower rate with your credit card company could ultimately lower your monthly credit card payment.

How to Ask for the Salary You Deserve

Factors like education, years of experience and local cost of living can affect your salary.

Researching average pay rates in your industry can offer guidance about what to ask for a salary.

How Wall Street Impacts Your Financial Life

Learn how stock market fluctuations can affect your day-to-day finances.

You probably don't need to watch for stock market changes hour by hour or day to day.

The Purpose of Software Updates

Here's how software updates help keep your digital devices secure.

If there's a flaw or vulnerability in your apps, software programs and operating systems, chances are there's a cybercriminal ready to take advantage of it.

Using Balance Transfers to Manage Your Credit Card Payments

Finding the right balance transfer offer may help you manage your credit card debt.

As you review balance transfer offers, remember to read the fine print.

A Breakdown of Rental Car Insurance

See if you really need that rental insurance the next time you rent a car.

The differences in coverage between a rental policy and your regular auto insurance might make you reconsider your initial choice.

How to Talk About Money With Your Partner

Are you and your partner on the same page when it comes to your shared finances?

If you and your partner communicate openly about your goals and work together to manage your money, you can confidently tackle your finances as a team.

A Mortgage Loan Officer Can Provide Confidence in Tight Markets

Get a market edge over other buyers by starting your journey home with a mortgage loan officer.

Meeting with a mortgage loan officer is the start a relationship that can shape your entire homebuying experience.

Options for Your 401(k) During a Recession

Learn what you can do with your 401(k) during a recession so you can make smart decisions.

It's best not to make knee-jerk decisions based on the events of a single day or even a whole quarter.

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This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

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

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