Insurance, Investment, Savings, Security
When planning your estate and what will be done with it upon your incapacitation or death, you should expect to be closely involved with many of the steps required to manage it effectively. One of the typical estate planning activities is (often, but not always) collaborating with a lawyer to create several legal documents, such as a power of attorney (POA). A POA can be very helpful in a variety of situations, some of which are discussed below.
Credit, Investment, Savings, Security
Email scams are a constant annoyance for many people, either filling up spam folders, or sometimes sneakily evading filters and ending up in our inbox—where we are then told in an unwanted message that we have won a prize, a deep discount, someone owes us money, we owe someone money, there is an amazing work from home job offer for us, or some other lie being used to phish consumers, take their money or hack their financial, email, or social media accounts. Here are nine suggestions for actions to take that could assist in stopping or preventing a successful email attack.
Investment, Savings, Taxes
It’s January, and the 2023 income tax season has started, which means that Delta Community members may now access their 2023 tax documents in Online Banking and the Mobile App with Online Statements. You may view and download your 2023 documents or print hard copies.
Investment, Savings, Security, Taxes
If any of your personal contact details that are used for your Delta Community accounts have changed, the Credit Union needs to have your current information as soon as possible. Reviewing and updating your personal contact information annually is the best way to have your accounts operating efficiently.
Budget, Credit, Savings
It might be a small amount of debt that’s easily managed, or something that’s much larger and could take time and effort to reduce or eliminate, but if post-holiday debt is serious and a struggle to overcome, then it’s time to strategically approach how to pay it off. Depending on the amount of money owed, paying it off may require minimal or significant action and lifestyle changes, but it’s important to control debt so it doesn’t create lasting damage to your credit score.
Budget, Credit, Holiday, Savings
Whether shopping for food, for gifts, or for yourself, shopping is commonplace holiday activity. Something always needs to be bought, and it’s always better save some money when spending, whether it’s for absolutely essential or for not quite so necessary items. But saving money may involve some extra effort, such as going to multiple stores or waiting for seasonal sales, and that effort may actually end up hindering our efforts to be careful with our cash if we inadvertently get too enthusiastic with holiday shopping. We may happily congratulate ourselves on all the money we’re saving because we are spending more of it. But not all money-saving tips take a significant amount of time or activity for people to benefit from them.
Disappearing but cashed checks could mean you’re the victim of a veteran, but evergreen, type of fraud known as “check washing”. Check washing is when fraudsters first steal paper checks from personal (or even U.S. Postal Service office) mailboxes and then soak them in ink-removing chemicals to erase the information handwritten on the check, such as the payee name, dollar amount and date, creating blank spaces for the scammer to write in whatever new information they want.
Budget, Community, Taxes
For your money to have the greatest impact, it’s important to know that the non-profit you’re considering has a documented history of managing its finances effectively and accomplishing its mission. It’s a good idea to invest in a little research before investing in a charitable organization, especially if you don’t actually know that much about what the non-profit does or how and where it operates.
Budget, Credit, Savings
But as with all forms of currency, from paper cash to gold coins to digital cryptocurrency, there are rules and responsibilities for using it. Managing money can be complicated. Anyone can overlook or forget a payment that must be made; then they find out they have overextended their allowable credit limit, carried over a monthly debt balance or wiped out cash reserves. It’s also possible that a consumer may not know or understand all the features of a credit card, but with a little research, that card could provide many more benefits beyond just delayed payment.
Investment, Savings, Security
This October is the 20th annual National Cybersecurity Awareness Month (NCSAM), a joint effort of the U.S. Cybersecurity and Infrastructure Security Agency (CISA) and the National Cyber Security Alliance (NCSA), and the event’s goal is to raise awareness about the importance of cybersecurity across the United States and help provide Americans with the resources they need to be safer and more secure online. Every year—and especially in October—Delta Community tries to inform its members and the general public of how they can be become more cybersecurity aware and protect themselves online.