By Robert A. Vandenbergh
The Federal Trade Commission (FTC) reports that as many as 9 million Americans have their identities stolen each year. That is an alarming number of victims.
Identity theft occurs when someone uses your personal information, such as your name, Social Security number, or credit card number, to commit fraud. Armed with your personal information, thieves can open new credit card accounts, get a job, rent a house, get medical services, file a fraudulent tax return or take o ...
By Jeffrey J. Buonforte, CERTIFIED FINANCIAL PLANNER
TM
If you’re a small business owner, chances are you have a sales and marketing plan. But do you have a financial plan? If not, it’s important to make that a priority.
Even a one-person entity needs a financial plan. A financial plan allows you to compare forecasts to actual results and to make smarter decisions on future spending or investments.
Financial plans are especially helpful in tough tim ...
By Jeffrey J. Buonforte, CERTIFIED FINANCIAL PLANNER
TM
Most Americans will spend approximately 20 years in retirement and many agree that planning for this time period is important. However, the
U.S. Department of Labor reports that fewer than half of those who want to get ready for their golden years actually know how much they need to save for it. As a result, many put off the planning process and miss opportunities. At Lakeland Bank, we encourage individuals ...
By Lakeland Bank
As an increasing number of consumers shop online this holiday season, there is a greater need than ever to protect against costly phishing and cyber scams, according to the National Cyber Security and Communications Integration Center (NCSCIC). Lakeland Bank is sharing tips offered by this organization to help its customers prevent unwanted consequences of phishing and cyber scams.
Phishing is an attempt to acquire usernames, passwords, credit card or other information from unknowing online consumers, and can lead to ...
By Robert Vandenbergh
North Jersey residents hoping to spend less this holiday season can shop locally and engage in community activities. In turn, shoppers will be supporting small businesses and helping to strengthen the local economy. Here are some of our favorite affordable ways to celebrate the holidays close to home at retailers, restaurants and community centers.
1. Shop locally. Visit your local merchants to find distinctive gifts and services for the people on your holiday list. Mention that you’re a local neig ...