Personal Insights

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Know the Key Differences Between Shopping In-Person and Online

Here's what you need to consider when comparing online and in-person shopping.

One of the big benefits of shopping online is the ability to easily compare costs.

Maximizing Your Credit Card Travel Rewards

Learn how a travel reward card works and how to maximize point earnings in your favor.

You don't have to lose your rewards points simply because you can't use them on travel costs.

Rental Car Insurance: Is It Necessary?

Does your auto insurance cover rentals? It might. Here's what to know about rental car insurance.

Although your own insurance might cover rental cars, in some cases it makes sense to opt for the coverage offered by the rental company.

Steps to Take After a Car Accident

Protect yourself and your finances by following these steps after a car accident occurs.

In the moments following a car accident, the most important thing is to focus on safety.

How to Manage Your Finances When Moving to Freelance Work

Planning out your finances will help smooth the transition from passion project to day job.

Consider trying a part-time side gig before you fully turn your passion into a career.

Looking to Support Black-Owned Businesses? Here's Where to Start

From donating to lending your time, you can promote and help Black businesses in several ways.

Shopping at and purchasing from Black-owned businesses is one of the most effective ways to make an immediate impact.

What to Do If You're Behind on Rent

Explore the options and resources available to you if you're finding it difficult to pay your rent.

As many as one in five renters are behind on their monthly housing costs due to the effects of the pandemic.

What You Should Know About Saving Versus Spending

Beyond your basic needs, there are four key principles everyone should keep in mind.

It’s never too early or too late to begin saving for your retirement. Even a small amount invested consistently will add up over time.

Is Now a Smart Time to Buy?

Market conditions since the pandemic are favorable—but there's more to consider.

Now may be a good time to make a major purchase, but in the end, only you can decide if the time is right for you.

Choosing a Bank That Shares Your Values

The right bank for you is one you feel comfortable building a relationship with.

When researching a bank, it's important to consider both short-term and long-term goals.

How Renters Insurance Keeps Your Property Protected

A renters insurance policy can keep your personal property protected while you're renting.

Your basic renters insurance will cover your personal property inside your home.

5 Essential Tips to Building Wealth

Building net worth takes time and patience, and is completely in your hands.

A budget forces you to look at your money and understand where it’s going. It gives you the discipline it takes to make big purchases affordable.

Understand the Homebuying Process Before You Begin Your Search

Setting a budget and understanding the process can take some of the stress out of buying a home.

Your price range will likely depend on the down payment you have saved, plus a monthly housing payment that will comfortably fit into your budget.

Traditional Versus Roth IRA: Tax Benefits

Find out which retirement account is right for your tax situation.

Comparing the tax benefits is an important step in choosing your plan.

What Grandparents Should Know About 529 Plans

A 529 plan is a tax-advantaged savings account for school-related expenses.

A prepaid plan may help you save money if tuition increases during the next 4 years.

8 Actionable Steps to Help You Save on Home Insurance

Save on home insurance by making your home safer and asking your agent about policy discounts.

A safer home is less of an insurance risk, which can result in lower premiums.

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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.

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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