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Investment, Savings, Security

Did You Check Off Your Personal Cybersecurity Checklist?

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.

Savings, Security

Only Make Digital Payments to People You Know and Trust

Digital payments can make life faster and easier. Whether someone is using Apple® Pay, Cash App, Google® Pay or Wallet, PayPal®, Venmo, or another of the numerous digital payment apps, platforms, networks, services and websites available in the U.S. and in other countries; paying and getting paid has never been simpler or quicker to accomplish. If something is easy to do—and it involves money—then it may also be relatively straightforward for a criminal to exploit the process and steal money from unsuspecting victims. Digital payments can be simple and fast, but they can also be untraceable and non-recoverable, making it difficult or impossible to either retrieve money sent to a crook or have the funds reimbursed by a financial company that unwittingly participated in the fraudulent transaction. If someone is making electronic payments, then they should be extra careful when transferring funds, and they should know and trust the person they are paying.

Investment, Savings, Security

Don't Let Your Computer Get Kidnapped by Ransomware

All it takes is to click on a malicious link, download an infected file, or accidentally end up on a compromised website to have a computer taken over. When a computer is compromised, a ransomware demand message will pop up in a web browser or over the entire computer screen. The computer has now been hijacked and may even be completely locked up and totally under the control of hacker’s ransomware. The false message could claim to be from the FBI or other government law enforcement agency. It will say that you need to pay a financial penalty for your computer to be unlocked and provide a link to make a payment.

Budget, Credit, Education, Savings

8 Campus Money Tips for College Students

Attending college or a university can be one of the most exciting periods of anyone’s life. It provides a new environment, fresh freedoms, greater responsibilities, unexpected experiences, innovative ideas, learning opportunities, and interesting people. College also provides many types of new costs, along with methods for managing money to get regular cost savings.

Investment, Savings, Security

Do You Know Basic ATM Safety?

Using an ATM is usually a simple and safe activity—but not always. Money usually attracts thieves, robbers, hackers, fraudsters, and imposters; these sorts of criminals can be a legitimate threat during certain transactions, whether online or in the bricks-and-mortar world. Even sturdy ATMs and their users are not safe from being victimized by opportunistic crooks that are ready to quickly take your money when they encounter the right circumstances.

Budget, Credit, Retirement, Savings

A Few Smart Money Tips for Your 20s

Smart money management is important throughout one’s life. While someone in their 50s may have several decades of financial knowledge, people in their 20s starting out with their careers might not have had been exposed to any information or training that’s prepared them for greater financial responsibility. Making money plans and saving and investing when you’re young can have benefits for the rest of your life.

Credit, Investment, Savings, Security

5 Actions to Protect Yourself Online

It’s essential to always be mindful of your online safety, whether you are on a computer, tablet, or cellphone. Scammers, infected and fake websites, phishing emails, predatory text messages—these are just some of the internet and cellphone threats that are always lurking to take advantage of unwary victims. A mistaken website address, or an inadvertent click on a malicious link in an email or text, can lead to an infected device and hijacked accounts, including email and financial accounts.

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?

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