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Budget, Investment, Retirement, Savings

What to Do with a Financial Windfall

Suppose that unexpectedly (and quite luckily) you find yourself with a financial windfall; a surprise (and perhaps surprisingly large) amount of money that you weren’t aware was coming to you. The money could be an inheritance, a lottery win, a payment from the settlement of a lawsuit, a prize from a contest, a gift from a relative, the result of the sale of possessions or investments—or it could originate from some other situation. Regardless of its origin, if you suddenly have a new, sizable chunk of money, then you now have decisions on what to do with it.

Credit, Investment, Savings, Security

Hang Up on Imposter Scams—Part 1

Imposter scams seem to never stop, and no one is immune to being victimized by them. But you can know more about imposter scams—how they operate, 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, Insurance, Vehicles

Resources for Getting the Car You Want

The car search process can be made considerably faster and easier with a variety of online tools or services that may speed up the process. A number of these services provide detailed information on car features, prices, the condition of used cars, and act as a database for inventories of vehicles held by car dealers and other sellers. A few car services sell cars directly to buyers and can provide auto loans. For some of these services there is no cost, while others may have an upfront fee for their use, and some services may have a financial charge if a vehicle is purchased through the service. Different services provide different benefits, and it’s important to understand what they offer and for what cost—always research carefully and compare prices. So what are examples these types of car services and what do they offer?

Investment, Savings, Taxes

Your 2022 Tax Documents Are Ready to Download

It’s January, and the 2022 income tax season has started, which means that Delta Community members may now access their 2022 tax documents in Online Banking and the Mobile App with Online Statements. You may view and download your 2022 documents or print hard copies.

Credit, Investment, Savings, Security

International Data Privacy Week is Coming…Are You Keeping All Your Personal Data Private?

Our personal data is on websites, computers, cellphones and tablet computers; and it’s dynamic. Our personal information is constantly growing, shrinking and being shared with other people and with companies. Advertising agencies, your internet service provider, cellular service carrier and social media platforms—along with members of those platforms—are just some of the organizations and people that can see and share what you’re doing. For International Data Privacy Week, you might want to consider how to keep your personal information more secure and away from scammers and others who shouldn’t have it.

Budget, Investment, Retirement, Taxes

How to Start Saving for Retirement with an IRA

An individual retirement account (IRA) is a type of personal retirement plan offered by many different financial institutions (such as banks, credit unions, brokerage and investment firms) that provides preferential tax treatment on retirement savings, usually through tax-free growth or tax-deferred growth. Tax-deferred growth means you don’t pay taxes on the earnings until you withdraw the money. IRAs are directly managed by the accountholder, while other types of retirement accounts, such as 401(k) accounts or pensions, are usually administered by employers.

Credit, Savings, Security

Avoid Fake Check Scams—Have a Check Clear Before Sending Money

Fake checks are big business for crooks, and their ability to convince victims that they are reliable people or businesses means that everyone should be careful when receiving a check from a stranger. But many people aren’t careful. According to the U.S. government’s Federal Trade Commission “Consumer Sentinel Network Data Book 2021”: “The median loss for all fraud reports in 2021 is $500. Among the top 10 frauds reported, the median individual losses were highest in these categories: Investment Related ($3,000) and Foreign Money Offers and Counterfeit Check Scams ($2,000)…”, while the report also showed that last year there were almost 70,000 reports of fraud resulting in approximately $130 million in losses from payment apps or services.

Holiday, Savings, Budget, Credit

Tips to Manage Holiday Spending–Part 2

It's not unusual to increase spending during the holidays as shoppers try to get the perfect gifts for family, friends, and colleagues. Being strategic in holiday spending now will help you prepare for and manage after-holiday bills in the new year. Following—continued from Part 1 of this post—are more practical tips to ensure you stay on budget this year, rather than overspending during the holidays. The sections below focus on managing money, keeping track of expenses and creative gift giving.

Budget, Credit, Holiday, Savings

Tips to Manage Holiday Spending–Part 1

It's not unusual to increase spending during the holidays as shoppers try to get the perfect gifts for family, friends and colleagues. Although it can be easy to overspend on holiday shopping, with a little bit of planning, budgeting and discipline, it is possible to celebrate without using too much of your cash or maxing out your credit card limits in November and December. By planning and budgeting carefully during the last months of the year, you can prepare for and manage after-holiday bills in January.

Credit, Investment, Savings, Security

It’s National Cybersecurity Month; Be Careful When Making Digital Payments

Cybersecurity is important, since cybercrime’s effect on people’s lives can be very frightening and cost people money and their identity. According to the 2021 Internet Crime Report from the Federal Bureau of Investigation, “In 2021, America experienced an unprecedented increase in cyber attacks and malicious cyber activity.” Of the top five crimes in the report, identity theft ranked second and personal data breach ranked third. The Federal Trade Commission (FTC) highlighted in its 2021 Consumer Sentinel Network Data Book how most of last year’s consumer fraud money losses occurred: “Bank transfers and payments accounted for the highest aggregate losses reported in 2021 ($756 million).” Not all crimes are reported to government authorities, so the total amount of crimes committed and money lost is probably higher.
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