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Simply Smart Insights

Scroll down and stay awhile to explore the answers to your everyday financial, business and homeownership questions.

Become a Master at Spotting Phone Scams

By now, you’ve probably heard of “phishing” and fraudsters who try to scam away our money, data and personal information. But have you ever heard of “vishing”? Vishing (or voice phishing) is an older scamming method that is now becoming common again. In a vishing...

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Do you know how to spot a scam when you see it?

Many online scams and fraudulent emails try to entice you into doing something appealing or rewarding. We know to ignore suspicious messages like: “Click this link to win $1,000;” or “Send us your personal information to win a prize.” This is what I like to call fraud...

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Top FAQs on Home Equity Lines of Credit

Homeowners consider applying for a Home Equity Line of Credit (HELOC) for a variety of reasons. Frequently, they are looking to make home improvements or fund a college education. Sometimes, they are looking to plan a dream vacation or have a safety net of funds on...

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When Is the Right Time to Refinance My Home?

We’ll be the first to agree that interest rates are the driving force behind home refinancing. However, there are several other factors—such as your own priorities, financial goals and long-term life plans—that also need to go into a big decision like refinancing your...

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