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Budget, Investment, Retirement, Savings

Smart Money Tips for Anyone Age 50 or Older – Part 2

There is a broad range of potential lifestyle and financial decisions to make and actions to take by age 50+, and below are some of Delta Community’s continuing suggestions for anyone in that age group. This blog is next in an ongoing series covering this important topic, so there will be more to come in the future; Part 1 is also available.

Credit, Investment, Savings, Retirement

Safely Clear Your Old Mobile Phone’s Data Before Getting a New Phone

It could be unsafe to have an old mobile phone with your personal details end up in the hands of a stranger, even if it’s someone who has no interest in getting into someone else’s data. If a hacker got access to your phone, then your money, credit standing, accounts and reputation could face serious—and maybe permanent—loss and damage. The only person who should have control over a mobile phone’s contents is its owner. If it’s time to move to a new phone, then it’s time to both secure and delete what’s on your old phone before the new phone is activated.

Credit, Investment, Savings, Retirement

What’s the Difference Between a Credit Union and a Bank?

If you’re reading this, you may be a member of Delta Community Credit Union. Do you know what being a member means? Are you aware that being a member is not the same as being a customer? Do you also get financial services from a local, regional, or national bank? Do you know the differences between a credit union and a bank, and how they are not the same type of financial institution?

Credit, Investment, Savings, Security

6 Quick Clues that You’re Being Scammed

Scamming is a business that never has an off season; it’s a year-round activity and anyone has an equal opportunity to be defrauded out of money or have their financial accounts illegally accessed and funds stolen. Scammers are experienced, polished and professional, they are quite good at what they do. How can you tell if you're being scammed?

Budget, Investment, Retirement, Savings

How to Track Your 2022 Federal Tax Refund

Are you expecting a federal tax refund this year? That’s great news, especially if you were hoping to pay bills, store some in savings or investments or to treat yourself (or someone else) to something that’s deserved, fun, and special—maybe even a new car.

Insurance, Investment, Savings, Security

How the U.S. Government Protects Your Credit Union Deposits

Delta Community sometimes receives inquiries from its members about its financial health and if members’ deposits are insured in some way. The deposits of Credit Union members are insured by the United States government through a program that some of our members may not be aware of, but it’s important to understand how the program operates and the protection it provides.

Credit, Investment, Savings, Security

Hang Up on Imposter Scams—Part 2

Imposter scams seem to never stop, and no one is immune to being victimized by them. But you can know more about imposter scams—such as what are some of the imposter scam variations, and actions you can take if you’re contacted by a fraudster posing as someone else.

Budget, Credit, Savings, Taxes

What To Do if You Can't Pay All Your Federal Taxes

Maybe last year you sold a home or sold off a large amount of investments that had greatly grown in value. Perhaps your job is in sales, and because of a super successful year and commission compensation, your take-home pay had an unexpected and very big increase, or your annual bonus was much more than you had anticipated. Whatever the reason for the major positive change in assets and income, you realize that the federal taxes that you need to pay the U.S. Internal Revenue Service (IRS) this year may be more than the cash you have on hand, and very likely will bust your budget.

Investment, Retirement, Savings, Taxes

What To Do with Your 2022 Tax Refund, Commission or Bonus

An expected refund, commission or bonus can inspire exciting plans for spending our new money. Splurging on something self-indulgent and, maybe, unnecessary, might seem justified, as the COVID-19 pandemic, supply chain disruptions, and challenges with the U.S. economy in the past four years have been stressful for many people, both financially and in other ways. It’s natural to want to reward ourselves using part or all of a tax refund or bonus, which we may think of as extra money that’s different from our regular pay. Keep in mind that tax refunds are money that you’ve already earned. Whether it’s your regular pay or a refund, commission, or bonus, you should be still be responsible with how you use that money.

Budget, Investment, Retirement, Savings

Great CD Rates and Great Service Are a Winning Combination

Did you know that a Delta Community Certificate of Deposit (CD) allows your money to grow at a higher interest rate than a savings account? It helps you grow your money, but unlike a savings or money market account, CDs are a time-based deposit—they are invested for a specific amount of time—with interest rates that can’t go lower than their locked-in annual percentage yield (APY). When the investment time period is complete the certificate of deposit has matured and can be reinvested or become cash.
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