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credit, investment, savings, security

Don’t Click 'Unsubscribe' From Spam Emails and Texts—Managing Spam

For many people there is a daily dependence on their work or personal cellphone and computer for the tasks they need or want to accomplish online. Our digital devices offer a good variety of communications options—the standard video, email, text, as well as newer, innovative applications that blend text, video, and audio functions. Along with a variety of communications options, there are plenty of unwanted messages that come into inboxes and text apps that seem to be unending—spam. Spam emails and texts are a regular and annoying disadvantage of our reliance on the 21st century digital technology that is present in all parts of our lives.

budget, investment, retirement, savings

What to Do with the Money You Saved by Quarantining at Home

Earlier this year the blog suggested how to use your 2020 stimulus payment, tax refund, commission or bonus wisely, and here are some additional spending and saving recommendations for what may be a new source of available funds for some of us—quarantine savings.

education, investment, savings, security

Protecting Yourself Online While Working or Learning from Home

Over the past year, and primarily because of the COVID-19 pandemic, many more people have become used to working from home (“WFH”) regularly, taking online classes, or overseeing their children using remote learning. All of this dedicated online time means that there are more opportunities for your work computer, home network, and personal computer to be exposed to cyberattacks. It’s important to always be alert to threats online, and following are some suggestions for enhancing your online protection while working or learning at home.

credit, investment, security, taxes

How To Tell If Someone’s Stolen Your Identity and How To Prevent It

Way back in 2010, Delta Community's first blog post was on the always important topic of the prevention of online identity theft, and this is a subject that has become even more relevant as we increase our use of online and mobile services, especially as many people are working and learning from home during the pandemic. Identity theft can be devastating for victims, as the thieves can take over any of your financial and utility accounts, your federal and state tax accounts, your health insurance, and state unemployment insurance account. There are clear clues that can indicate that someone may have stolen your personal information and are using it to benefit themselves and harm you.

budget, investment, real estate, savings

Getting Your House Ready for Warm Weather

A house is a major investment, and with regular maintenance it’s one that can appreciate in value for many years to come. But there is also an ongoing investment that needs to be made in keeping the house clean, repaired, functioning well, and looking attractive. Especially for outdoor upkeep, it can be easier to maintain the house in warmer months, when there is no snow and daylight starts to get longer. Spring is an ideal time to start cleaning and doing repairs on the house, including taking care of annual tasks that get it ready for outdoor activities such as grilling and entertaining.

investment, retirement, savings, taxes

Please Call Us to Make a 2020 Contribution to Your Delta Community IRA, HSA or ESA

The U.S. Internal Revenue Service (IRS) recently announced a deadline extension for individuals to make 2020 contributions to tax-advantaged savings accounts; the new deadline is May 17, 2021 for the 2020 tax year. If you haven’t maximized your Individual Retirement Account (IRA and Roth IRA), Health Savings Account (HSA), or Coverdell Education Savings Account (Coverdell ESA) contribution for last year, Delta Community is available to personally assist you over the phone.

investment, retirement, savings, taxes

How to File Your Taxes Online for Free

Filing your taxes online has become a preferred method for many Americans. Often, they purchase and use tax preparation software to complete their taxes, and then they may also pay a fee to have their taxes transmitted and filed with the Internal Revenue Service (IRS) using the software. But there is an option for filing your taxes over the internet that generally doesn’t require a purchase or a transmission fee, and it has the benefit of using versions of well-known tax software.

budget, investment, savings, taxes

The Newest 2021 Stimulus Payments—What, When, and How You’ll Get Them

On March 11, 2021, U.S. President Joseph R. Biden signed the American Rescue Plan bill authorizing additional Economic Impact Payments (EIPs)—also known as stimulus payments—to many Americans to help them pay expenses during the COVID-19 pandemic. Following are a few key points to keep in mind if you think that you may be receiving a stimulus payment in the coming weeks. Please visit the government website www.irs.gov for more detailed information, which will be updated as new information becomes available.

investment, retirement, savings, taxes

Getting Ready for 2020 Tax Filing—A Few New Things to Consider

Spring is fast approaching, and it usually brings warmer weather, blooming plants and trees…and the annual federal income tax filing deadline, which has been extended this year to May 17, 2021. While May 17 is the deadline, the Internal Revenue Service (IRS) announced that this year’s tax season started on Friday, February 12, 2021, which was when the tax agency began accepting and processing 2020 tax year returns. Because of the COVID-19 pandemic, there are a few new tax features to consider as you think through your income tax preparation this spring.

credit, investment, savings, security

Question Your Security Questions

Just like passwords, security questions can be overcome by hackers, who, if they can learn a little bit about you, can overcome your personal questions with some educated guesswork. Learning your phone number, home address, email address, or Facebook® or LinkedIn® profile can give them enough information to try to crack your security questions for your accounts, including those for credit cards and other financial services.
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