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Reminder: Please remember to be aware of scams whether on the phone, through text or email.It is strongly advised that you never respond with any personal and confidential information such as your social security or account numbers of any sort.

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I've basically just ignored it; carrying on using my trusty plastic that has been with me for years. True, this new credit card enables me to collect air miles on everything I buy (my husband has literally become obsessed with collecting air miles to the point where he upgrades flight seats and spends more money simply to collect enough air miles: go figure) but that wasn't his ulterior motive.There was a genuine sense of belonging and pride my other half felt when he handed me this card. After years of being financially independent post-university, not to mention the years being brought up to look after myself, to manage my pocket money (oh yes, my dad encouraged my sister and I to keep 'budget' books when we were 10 years-old!It symbolised something: we are a couple, we are together, we are married, and now we share money. He earns more than me, but we'll both be dipping into the same pot, which means when my contribution to the joint bank account is quickly exhausted, I'll inevitably end up using his dough when I'm out and about. ), I'm finding the whole concept of a joint bank account rather bizarre.As you review your tax return for filing by the April 18 deadline, make sure you haven't made any of them.The most common error on tax returns, year after year, is bad math.If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware.

If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.

Even if a mistake, whether on your computer or paper forms, doesn't cost you cash, it could delay your refund.

Here are 10 common tax-filing mistakes that show up every tax season.

Maybe I'm worried, deep down, that giving up my financial independence is giving up a little bit of security in the knowledge that I can survive if I had to without anyone else.

But I think it's more that I just don't feel comfortable spending someone else's money on a whim: even after almost 13 years of being together, I don't want to take it for granted.

Inquire at any community bank office or call our Customer Call Center at 800-724-2621 or 585-394-4260 regarding the locations where HMDA data may be inspected.