Education & Information Center




Ledyard is dedicated to making its clients smarter, more informed consumers of financial products and services. Our goal is to offer quick and easy access to the most relevant sites that address finance, economics, banking and general money matters. Here you will find
links to those instructional materials and tools.

Investment & Wealth Management
Tax Info
Economic & Financial Education
Bank Products
Fraud / Identity Theft
Travel & Foreign Currency
Consumer Credit Counseling
Small Business Counseling
Automobile Pricing
Local
 

INVESTMENT & WEALTH MANAGEMENT

Bloomberg – Provides business and financial professionals with the tools and data they need on a single, all-inclusive platform.

Investopedia – A financial website containing articles, dictionary entries and tutorials on nearly all aspects of finance and investing.

Big Charts - An investment research Web site, providing access to professional-level research tools such as interactive charts, quotes, industry analysis and intraday stock screeners, as well as market news and commentary.

IRS - Provide America's taxpayers top quality service by helping them understand and meet their tax responsibilities and by applying the tax law with integrity and fairness to all.

Wall Street Source - A financial technology company that provides news and research for professionals in the financial services, media, and corporate markets.

***Contributions From Our Ledyard Experts***

Editorials written by Ledyard Financial Advisors

Wealth Planning: Essential steps before selling your business - Written by Fred Wainwright, Senior Investment Strategist - November 2012

Seniors and Finances - Written by Dennis Mitchell, CFP® - August 2010

Seniors and Asset Management - Written by Dennis Mitchell, CFP® - August 2009


Proactive Tax Management - Written by Dennis Mitchell, CFP® - June 2008

 

Investment Thoughts

Growing Pains - Written by J.T. Underwood, Chief Investment Strategist - September 2014

Rate Watch - Written by J.T. Underwood, Chief Investment Strategist - July 2014

The Voice of the Bond Market - Written by J.T. Underwood, Chief Investment Strategist - June 2014

Climate Change - Written by J.T. Underwood, Chief Investment Strategist - May 2014

From Russia With Love - Written by J.T. Underwood, Chief Investment Strategist - April 2014

  

The Ledyard Advisor Newsletter Advisor

July 2014 Issue - Read Now

April 2014 Issue - Read Now

January 2014 Issue - Read Now

December 2013 Issue  - Read Now

 

Market Week Newsletter Archive

September 15, 2014 - Read Now

September 8, 2014 - Read Now

September 2, 2014 - Read Now

August 25, 2014 - Read Now



TAX INFO

IRS Tax FAQ - Frequently Asked Tax Questions & Answers

ECONOMIC AND FINANCIAL EDUCATION

New $100 Bills in October 2013 - Learn about the redesigned $100 note, arriving on October 8, 2013. This website discusses the new security features and design features, including photos.

Federal Reserve Education
- Links to instructional materials and tools that can increase your understanding of the Federal Reserve, economics and financial education. All of the Fed web sites, curriculum, newsletters, booklets and other resources are free.

Comptroller of the Currency Administrator of National Banks - Helps you find answers to your National Banking questions.

Informational video about FDIC Insurance

FDIC Insurance Information and Customized Information Estimator (EDIE) – Electronic Deposit Insurance Estimator

The ABCs of 123s: Raising Financially Intelligent Children - A webcast presented by State Street Global Advisors. The webcast covers the importance of financial education for you and your family, financial education for different developmental stages as well as tips and techniques for training your children.

BANK PRODUCTS

Insured Investments 

Treasury Direct – Information on Treasury Bills, Notes, Bonds and TIPS.

CDARS - Certificate of Deposit Account Registry Service® - The most convenient way to enjoy access to full FDIC insurance on deposits of up to $50 million.

FRAUD / IDENTITY THEFT

Internet/Cyber Fraud

Internet (or Cyber) Fraud is a growing concern in the financial services industry. Cyber fraud occurs when perpetrators of a scam entice internet users to give them critical information such as usernames, passwords, credit card information, bank account information, or other types of account information.

To learn more about how to protect yourself from Cyber Fraud, please read the list below that offers safety tips to minimize exposure to such crimes. Please be aware that this list offers suggestions that may or may not be right for each circumstance. Further, it is not intended to be a complete and all-inclusive solutions manual.

Guidelines for Safer Online Banking

 

  1. Always use current and supported computer operating system and application software, being sure to routinely and continuously install security patches and other critical updates from the vendor.
  2. Always maintain a current anti-malware Internet suite from a reputable vendor, being sure to routinely and continuously update associated pattern files.  Some of the more well-known vendors and products are Kaspersky (Kaspersky Internet Security), McAfee (McAfee Internet Security, McAfee Total Protection for Secure Business), Symantec (Norton Internet Security), and Trend Micro (Trend Micro Titanium, Trend Micro Worry Free, Trend Micro Enterprise Security Suite). 
  3. Use strong passwords, change them often (we suggest at least every 90 days), and don’t share them or write them down.
  4. Be suspicious of all e-mail, even if it appears to come from someone you know.
  5. Never click on a link within an e-mail unless you verify with the sender first.
  6. To reduce your exposure to Internet threats, choose Internet browser settings which restrict dangerous programs and features you don’t need.  How to do this varies by browser but, in general, set default security settings to “High”.  For more details, you may want to copy the following URL address into your browser and visit the site:
    http://www.us-cert.gov/reading_room/securing_browser/
  7. Be selective about where you browse on the Internet, and be wary of downloads offered by a pop-up window.

 
Most internet scams are done via e-mail. However, other methods can utilize the internet itself. For example, banks and other financial institutions are seeing a rise in a different type of cyber fraud known as ACH fraud. While ACH fraud seems to hit Small- and medium-sized businesses more frequently, ACH fraud can target individuals’ personal accounts, as well. This major cyber-security threat involving ACH fraud is perpetrated by criminals who steal banking credentials and then make use of those credentials to initiate wire and ACH transfers from the victim’s account(s), out to mules and then back to where the cybercriminals are based - often in Eastern Europe. Small-medium sized businesses, as well as individuals, are typically targeted for this crime because they're viewed - relative to enterprise businesses - as lacking IT sophistication and staffing.

FBI Fraud Advisory for Businesses: Corporate Account Takeover

Cyber criminals are targeting the financial accounts of owners and employees of small and medium sized businesses, resulting in significant business disruption and substantial monetary losses due to fraudulent transfers from these accounts. The FBI has released a fraud advisory with recommendations and resources. All banks with corporate and government accounts should read this advisory.

To learn more about ACH fraud, please click on the link to read the full article: Corporate Account Takeover PDF

Federal Trade Commission Identity Theft Site
– a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft.

Federal Trade Commission Video to Help Identity Theft Victims - If you’re a victim of identity theft or know someone who is, the Federal Trade Commission has a new video designed to help facilitators who assist consumers in repairing their identity.

United States Department of Justice Identity Theft Site – Frequently Asked Questions about Identity Theft and Identity Fraud.

Privacy Rights Clearinghouse - Tips to reduce fraud and Identity Theft

Credit Report – annualcreditreport.com - a centralized service for consumers to request free annual credit reports.

OCC Consumer Advisory - Avoiding Fraudulent Cashier's Checks.

Five Ways Identity Thieves are Targeting You - An article about five prevalent ways that fraudsters steal people's identities

Identity Theft Protection & Security Center*

Protect your identity and secure your credit with the Identity Theft Protection & Security Center† offered through GenGold®. A GenGold® membership is free with your Ledyard
Plan relationship or $2.00 per month with any other account. 
* You must activate the Identity Theft Restoration Coverage to be covered.

Mail Fraud

The U.S.  Postal Service has great information on preventing mail fraud. Click here to read the document and learn how to protect yourself. 
 

TRAVEL & FOREIGN CURRENCY

Travelex - Travelex is the world’s largest retail foreign exchange specialist, with over 700 branded retail stores, principally in airports and tourist locations. The business sells banknotes and other foreign exchange and travel related products and services to individuals traveling for business and leisure purposes. The business also provides outsourced travel money services by supplying the foreign currency needs of financial institutions and travel agencies, as well as by fulfilling the individual orders of their customers.

CONSUMER CREDIT COUNSELING

GreenPath Debt Solutions - A nationwide, non-profit financial organization that assists consumers with credit card debt, housing debt and bankruptcy concerns.

SMALL BUSINESS COUNSELING

Small Business Administration – To aid, counsel, assist and protect the interests of small business concerns.

SCORE - Counselors to America’s small business- They provide free and confidential small business advice for entrepreneurs.

VEDA - The Vermont Economic Development Authority - manages a wide range of low-cost lending programs for businesses of all sizes, customized to each client's individual needs.

VTSBDC - to strengthen existing business entities and assist start-ups with high-quality, no-cost counseling and affordable training programs.

AUTOMOBILE PRICING

Kelley Blue Book – Offers pricing research tools for new and used cars.

Edmunds – Empowers, engages and educates automotive consumers, enthusiasts and insiders.

LOCAL

Hanover Chamber of Commerce

Hartford, VT Chamber of Commerce

Lebanon Chamber of Commerce

New London-Lake Sunapee Region Chamber of Commerce



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