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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, 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.

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.

Budget, Community, Taxes

5 Questions for a Charity Before You Donate

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, Taxes

What To Do if You Can't Pay All Your Federal Taxes

Maybe last year you sold a home or sold off a large amount of investments that had greatly grown in value. Perhaps your job is in sales, and because of a super successful year and commission compensation, your take-home pay had an unexpected and very big increase, or your annual bonus was much more than you had anticipated. Whatever the reason for the major positive change in assets and income, you realize that the federal taxes that you need to pay the U.S. Internal Revenue Service (IRS) this year may be more than the cash you have on hand, and very likely will bust your budget.

Investment, Retirement, Savings, Taxes

What To Do with Your 2022 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 and, maybe, unnecessary, might seem justified, as the COVID-19 pandemic, supply chain disruptions, and challenges with the U.S. economy in the past four years 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.

Investment, Savings, Taxes

Your 2022 Tax Documents Are Ready to Download

It’s January, and the 2022 income tax season has started, which means that Delta Community members may now access their 2022 tax documents in Online Banking and the Mobile App with Online Statements. You may view and download your 2022 documents or print hard copies.

Budget, Investment, Retirement, Taxes

How to Start Saving for Retirement with an IRA

An individual retirement account (IRA) is a type of personal retirement plan offered by many different financial institutions (such as banks, credit unions, brokerage and investment firms) that provides preferential tax treatment on retirement savings, usually through tax-free growth or tax-deferred growth. Tax-deferred growth means you don’t pay taxes on the earnings until you withdraw the money. IRAs are directly managed by the accountholder, while other types of retirement accounts, such as 401(k) accounts or pensions, are usually administered by employers.

Investment, Savings, Security, Taxes

Be Sure to Use the Right Account Number When Setting Up Direct Deposit

It’s common for Delta Community members to link their Credit Union accounts, such as a Savings Account to a Checking Account, or to link their Credit Union accounts to other financial institutions or to the U.S. government, such as linking an account with the federal Internal Revenue Service for paying taxes or receiving tax refunds. If you are linking accounts, be certain you are always using your correct Delta Community Credit Union account information/number.

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