Following are a few secrets that you should know if you wish to build wealth down the line:

1. Setting goals

One of the first things that you should do if you are serious about building wealth is to set goals. People who are wealthy did not get there by expecting to be so. They made plans and then worked to set those plans in motion to achieve their financial goals. As far as what they want is concerned they have a proper vision and, suffice to say; they always take all the steps that are necessary to get there.

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Being employed in America, you must be aware of the Social Security and Medicare taxes that are deducted from your paycheck every month. This is something that you would also notice when you receive your salary slips and look at the breakups that the company help you with. These are known to be termed as Federal Insurance Contribution Act Tax (FICA) where a certain sum of money is collected from the employee as well as the employer in equal parts.

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Tax filing is a duty that every citizen should abide by, and failure to do so is known to attract heavy fines and penalties. While filing your tax returns is something that is mandatory, there are times when you are to pay taxes, and you do not have sufficient funds for it. Would you not file for the taxes then?

Even though you do not have the money to pay for your taxes, you should never refrain from filing the returns. The worst case would be paying a certain amount of money as fine, but that would keep you safe from trouble and label you as a good citizen. Non-payment of taxes, as well as the inability to file tax returns, can often have a bad impression on the credit score while making it difficult for you to acquire loans and insurance policies in the days to come. While there are things that can save you from trouble, here are a few put down for you to know of.

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Wells Fargo is an US  bank and multinational financial services company  founded in 1852 and headquartered in San Francisco, California, US. The company provides financials services like banking, securities brokerage, investment, mortgage, trust, and payment services.

About Wells Fargo

Founded  : 1852
Headquarters : Birmingham, Alabama, US
Number of locations : 8300
ATM : 15900
Total assets :1.952 trillion (2017)
Website : www.wellsfargo.com
Find ATM, branch, locations and hours
Customer Service Phone :  General banking – 1-800-869-3557 /  Wells Fargo Online – 1-800-956-4442

Wells Fargo – Online login

On Wells Fargo homepage, at the upper left into the “View Your Accounts” area,  select “Account Summary”, enter your Online ID  and Password then click on the “Sign on” button.

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Phishing is the foundation of scam. The success of a phishing message leads to scam.
It becomes Phishing Scam when the two tricks are dubiously interwoven to get your details and your money.

Majority of cyber attacks begin with phishing emails which entice you to click, and majority of such emails use malicious file attachment.

So, you want to ask: what is Phishiology?

The collection of examples of such phishing e-mails, text messages, false credit alerts, and other messaging tricks sent to you by cybercriminals for fraudulent activities is what I refer to as phishiology.

Relationship between phishing and scam
Phishing is a ploy scammer uses to get your account details in order to use it for his own advantage.

Tools of Phishing message

These are the critical information a scammer needs to successfully launch attack on you:

1. Your name
2. Username
3. Address
4. Phone number
5. Password or PIN
6. Bank account number
7. Debit or credit card number
8. Card Validation Code (CVC) of your credit card
9. Social security number (SSN)

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Choosing your bank is an important decision. You must not engage without listing your expectations…

The location of your bank’s branch.

For this you must think about your habits and your needs. If you need to do branch banking, then go for a bank near you. If you need to be accompanied and advised during these banking transactions, then do not choose an online bank.

The interest rate charged by the bank.

Compare the interest rates that banks offer, and the various conditions that come with them. Your choice will be determined by your use of the bank account, if you have savings to place on an account, if you want to take out a credit with this bank. Compare savings interest rates, checking interest rates and investment interest rates.

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The first advantage of an online bank is its low cost. The main services are free, such as withdrawals of money, bank card, checkbook. However, you have to be careful about the other paid services you may need so you do not end up with exorbitant prices on the transactions you need every day. This is why you must consult all the proposed rates, and read the fine print on their contract proposal.

You can compare interest rates in the medium and long term.

Also check which consumer service or after-sales service the bank offers.

Does the bank provide you with a dedicated bank advisor?

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If you are interested in investing in stocks, it is essential to have a long term plan. Planning is something that is done whether you are making preparations for a new career or to steer your financial future. To facilitate this long term plan, many financial experts think that you have to place more emphasis on the quality of the stock.

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Have you ever thought about the day all of your intelligent investment decisions would pay off, leaving you with millions of dollars to play with? I have as well, but what is stopping you? If you’re anything like me, you have shied away from it.

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Financial experts consider having a cool million stashed away in your retirement fund to be the best indicator of being able to retire in complete comfort. A million might seem unattainable, but it’s perfectly feasible if you follow the basic recommended guidelines on how to save $1 million by the time you retire.

Start Saving ASAP

It’s normal to be tempted to put off any serious retirement saving. But if you want to hit that $1 million benchmark in time for retirement, you need to start saving when you’re young. Younger than you think.

Say that you start saving at age 25. You’d need to be saving $405 each month. With an average return of 7% you’ll have that $1 million by the time you’re 65 and thinking about retiring.

Chances are, you’ve already seen your 25th birthday come and go. In which case, you’d need to up the amount that you’re saving each month. It’s absolutely infuriating, but the longer you wait to start saving, the harder you have to work to catch up.

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