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Blog

budget, credit, retirement, savings

It’s the First of the Month and a Weekend, So Where Is My Deposit?

September 10, 2020

Delta Community is in close contact with our valued members every day, whether in-person, online, or via phone. We get lots of questions from members, and we strive to answer them quickly, thoroughly, and honestly. One question about our operations keeps coming up, and it's interesting enough that we wanted to discuss it a bit in this post. This is a question that we encounter occasionally from members: "When the first of the month is a Saturday or Sunday—or it’s a federal holiday—why don't I get my pension (or other) payment until the following business day?"

credit, investment, savings, security

Your Smartphone SIM Card Could Be a Target

August 24, 2020

Crooks (also known as fraudsters, scammers, and hackers) keep coming up with inventive methods for stealing your personal information—and then your money. And now that we manage many of the activities in our lives on smartphones, including accessing our financial accounts, our mobile phones are increasingly becoming the preferred electronic target for fraudsters who want to harm us.

credit, real estate, savings, security

Mortgage Scams Are on the Rise

August 21, 2020

Your home is a tempting target for fraudsters because it is a high-value possession. For a lot of us, our home is both our largest expense and our biggest investment, and that makes our mortgage attractive for crooks trying to scam us.

insurance, savings, security, taxes

How to Report Stolen Unemployment or Stimulus Payments

August 18, 2020

Unfortunately, wherever there is money, there are people interested in stealing it, and they may do it as simply as taking your check out of a mailbox or going to the extra effort of stealing your identity and getting access to your financial accounts. If you are missing an unemployment or economic stimulus payment, here’s what you can do to try to recover it.

credit, investment, savings, security

What to Do If Your Personal Email Account Is Hacked

August 14, 2020

It can be enormously harmful if your email is hacked, potentially exposing personal information of many kinds, including sensitive financial, legal, and medical activity. It could also open your personal and business contacts to phishing or other types of online or mobile attacks. You need to act quickly to try to regain control of your account.

budget, investment, retirement, savings

Transitioning to Retirement Now

August 10, 2020

This year's COVID-19 coronavirus pandemic has disrupted millions of lives as Americans have either lost their jobs permanently or been furloughed with less work and lower wages. This disruption forced former employees to carefully consider their long-term employment options and start making what may be difficult decisions as to how they can move forward with their careers or transition to early retirement.

budget, credit, savings, vacation

There Is Such a Thing as an Affordable Vacation—an Update

August 06, 2020

Dealing with a pandemic and the many severe personal and commercial economic problems it has caused means that many of us are not able to even think about a vacation this year, let alone take one. But people are still going on vacations in 2020, and if you're in a position to consider taking time off and, maybe, going on a trip, then it's well worth giving a thought to how to save money on a vacation, something that our blog began to cover a few years ago.

budget, credit, savings

Managing Your Credit Score During the Pandemic

July 29, 2020

According to a June 2020 story in The Wall Street Journal, “Americans have skipped payments on more than 100 million student loans, auto loans and other forms of debt since the coronavirus hit the U.S., the latest sign of the toll the pandemic is taking on people's finances.” This is to be expected with millions of people unemployed and totally or partially furloughed. Without an ongoing income or other means to pay bills, there may be few options for consumers other than to not make their regular debt payments.

budget, credit, investment, savings

Now That You’ve Been Furloughed What Should You Do?

July 15, 2020

With reduced hours (or no hours at all), regular income has either diminished or stopped for furloughed workers. That may mean some tough decisions and actions for these sidelined workers. We'd like to present some options to consider and decisions to make that could assist you if you're furloughed.

budget, credit, investment, savings

Making Tough Financial Choices in a Tough Economy

June 30, 2020

For those unemployed, financial hardship is a reality they are facing now or will soon face as their income has stopped or gotten smaller. Even the government’s Economic Impact Payments may provide only limited fiscal relief for Americans whose personal debt may be increasing while their funds are decreasing. With less money, it’s essential to be very careful with spending it, and to think about what you could do now to trim expenses.

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