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credit, investment, savings, security

You Need a Stronger Password...and Maybe a Manager for It

As technology has evolved away from paper-based documents to digital, online information, much of what we do in our lives depends upon secure communications safeguarded by passwords. But what happens if our passwords aren't safely guarding us?

budget, credit, savings, security

Credit vs. Debit Cards for College Students, and Are College Deals Good Deals?

How we manage money can be influenced by the tools used to manage it, and two of the fundamental financial tools millions of people use are debit and credit cards. Debit and credit cards have some similarities and some very big differences in their features and how they may be used. For college students, these cards may be their primary purchasing tool, and they are a responsibility to be handled maturely and thoughtfully. Before a student decides what type of card they'll depend on, they need to consider the features of both. Below is a brief guide to how these cards function that highlights how they are alike and unique that may be of interest to students of higher education.

credit, investment, savings, security

October is National Cybersecurity Awareness Month—Are You Cyber Insecure?

It's October, and that means there are two annual occasions to keep in mind—Halloween is at the end of the month, and it's National Cybersecurity Awareness Month (NCSAM)! Did you know that there is a National Cybersecurity Awareness Month—is it new to you? Well, it may still be unknown to a lot of people, but for 17 years the federal government and U.S. industry have collaborated on NCSAM; together they create a yearly educational campaign to provide up-to-date, “how to” instructions and facts on cybersecurity to assist all Americans with the resources they need to be safer and more secure online.

credit, investment, savings, security

How To Make Your Mobile and Online Payments Safer

There are a wide range of online and mobile payments services that operate both nationally and internationally. Some services are created by fintech (financial technology) companies, or individual banks, while others are independent service providers that may be supported by networks of banks. While the services differ in the features they offer—some may allow you to easily split a restaurant dinner payment between a group of friends, make purchases, or connect to a debit card (among other options)—they all offer a quick and easy way to move our money around. All mobile payment apps are not created equal, and you should understand the differences between them.

budget, credit, retirement, savings

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

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

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

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

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

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

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.
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