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Investment, Retirement, Savings, Taxes

Why You Should Consider Retaining Some Tax Documents After Your Taxes Are Filed

All your taxes are completed and filed and everything seems in order. Why would you want to keep this or previous years’ tax forms and any related documents? Those papers and file folders are just taking up needed storage space. But the government recommends holding onto some documents for a while.

Investment, Savings, Security

Be Suspicious of Malicious Apps for Your Mobile Devices

One type of attack by fraudsters is creating mobile phone (and tablet computer) software applications (“apps”) that are either entirely malicious or apparently provide some innocent, legitimately useful function while also secretly harming the user’s phone and accounts by hijacking the phone, stealing information, and sharing it with scammers. These malicious apps—also called malware—can look perfectly helpful and authentic, but looks can be quite misleading.

Investment, Retirement, Savings, Taxes

What to Do with Your 2023 Tax Refund, Commission or Bonus

An expected refund, commission or bonus can inspire exciting plans for spending our new money. Splurging on something self-indulgent might seem justified as recent challenges with the U.S. economy have been stressful for many people, both financially and in other ways. It’s natural to want to reward ourselves using part or all of a tax refund or bonus, which we may think of as extra money that’s different from our regular pay. Keep in mind that tax refunds are money that you’ve already earned. Whether it’s your regular pay or a refund, commission or bonus, you should be still be responsible with how you use that money—you can treat yourself but also take care of yourself in other ways.

Insurance, Investment, Savings, Security

Talking Money with Your Family: Power of Attorney

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

9 Steps That Might Help Avoid Email Scams

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

Your 2023 Tax Documents Are Ready to Download from Delta Community

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

Please Update Your Delta Community Contact Details Now!

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.

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.

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.

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.
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