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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
Cybersecurity, Fraud & Identity Theft
Travel & Foreign Currency
Consumer Credit Counseling
Small Business Counseling
Automobile Pricing


Ways to Save for Your Child's College Education

What Everyone Should Know About EMV Cards

7 Banking Tips for Young Millenials

Managing a Loved One's Finances After Death

Making the Most of E-Banking

Figuring Out How Much to Allocate to Your 401(k)

5 Tips to Prepare Your Small Business for Tax Season

4 Reasons to Buy a Home Instead of Renting

How to Improve Your Credit Score

How to Save for a Down Payment

How to Tell You're Ready to Buy a House

The Tax Benefits of Owning a Home

How to Get out of Debt in the New Year

How to Budget When You Have Seasonal Income

5 Financial Resolutions for the New Year

6 ways to save more money in the New Year

Year-End Retirement Savings Strategies

Organize Your Finances for the New Year

Mobile Money Apps - Tech Helps Kids to Save

The Perks Of Going Local With Your Bank Account

Introducing Mom and Dad to Mobile Banking

How Two-Factor Authentication Protects Your Online

Budgeting for New Parents - From Daycare to College

4 Times When You Might Need A Financial Planner

Budgeting For Newlyweds - Figuring Out Family Finances

Better Check Your Balance - Crooks Targeting ATMs

4 Easy Ways To Become A Banking Guru

A History of Banking, From Free Toasters to Chatbots

Mobile Apps Make Depositing Checks A Snap

How To Protect Your Money And Accounts Online

How Debit Card Fraud Happens And How To Avoid It

What To Know About Home Equity Loans

What's A Good Use For A HELOC

Using a HELOC to Pay Off High-Rate Debt

Preventing IRS Tax Return Fraud

Energy efficiency tax breaks let you go green and save bucks

Often missed tax deductions and credits

How to Give Your Finances a Spring Cleaning

10 Terms Every Homebuyer Should Know

Defending Yourself Against Identity Theft

Financial Literacy for Kids

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.

Contributions From Our Ledyard Experts

Investment Thoughts Newsletter Archive

Getting Paid for Risk - Written by JT Underwood, Chief Investment Strategist - May 2018

Do You Have A Spring In Your Step?
- Written by Fred Wainwright, Senior Investment Strategist - April 2018

The View from Our Window - Written by JT Underwood, Chief Investment Strategist - March 2018
Observations on An Elderly Bull Market - Written by JT Underwood, Chief Investment Strategist - January 2018

Endless Summer? - Written by Fred Wainwright, Senior Investment Strategist - November 2017

Retail In Therapy - Written by JT Underwood, Chief Investment Strategist - August 2017

Flat Curves and Stock Market Bumps
- Written by JT Underwood, Chief Investment Strategist - July 2017

Believing is Seeing - Written by JT Underwood, Chief Investment Strategist - June 2017

Advisor Thoughts Newsletter Archive

What 2018 Tax Reform Changes Affect IRA's - Gifting, Funding & Conversions -  Written by Diane Mullin, Senior Financial Advisor - May 2018

Changes to Tax Laws - 2018 - Written by Monique Brown, Senior Financial Advisor - January 2018

Options for Charitable Giving - Written by Susan Renaud, Senior Financial Advisor - October 2017

Do I really Need a Living Trust  - Written by John O'Dowd, Director of Client Relations - July 2017

Tax Management - Written by Grady L.M. George, Senior Financial Advisor - May 2017


IRS Tax FAQ - Frequently Asked Tax Questions & Answers


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.


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.


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.

With more and more people filing their taxes online, there are greater security risks for your personal financial data. Read the latest information on Tax Identity Theft Awareness from the Federal Trade Commission to heighten awareness of this growing concern.

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:
  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.


Get instant alerts on scams in Vermont

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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

Do's and Don'ts During Tax Time - Do you file your taxes online or through a mobile app? Do it securely and consult these tips of Do's and Don'ts during tax time.

Public Wi-Fi and Security - Public Wi-Fi networks are a security risk for your private information. Learn how to protect your sensitive and confidential data, like banking details.

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 – - 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. 


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.


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


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.


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

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


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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