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All You Need to Know About Data Breaches

If you follow the news, you may realize major data breach headlines are frequent. At DoverPhila Federal Credit Union, your financial success and safety are our primary goals. To help keep your information and finances secure, we’ve created an informational guide to data breaches and what you need to do to protect yourself. What’s a

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Practical Budgeting Made Easy

With the right tools and information, building a budget can be quick and easy. Here’s how to create a simple and practical budget for the time-strapped consumer. Review your income and expenses.Most budgeting plans recommend tracking income and expenses for three months. If you’re pressed for time, though, you can choose to look at one

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Details on Overpayment Scams

Overpayment scams are common, and for the unaware, they can be difficult to spot. Here is what you need to know to avoid falling victim to these ruses.  What is an overpayment scam? In an overpayment scam, fraudsters target someone who is selling a high-valued item online, such as a car. The scammer will reach

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Don’t Fall Victim to Spoofing Scams

What is Spoofing? Spoofing is the criminal act of disguising a communication from an unknown source to appear as if it’s being sent from a trusted and known contact. The goal of spoofing is to get the target to share their sensitive information and/or their money with the scammer. For example, a spoofer may pretend

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When a Bargain is Not a Bargain

Not every bargain is a bargain. Unfortunately, it can be hard to spot the bogus bargains from genuine finds. Here are five times when a bargain is not one. When you had not planned to buy the item. If you find a new home speaker system marked down from $399 to $249, you just scored

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Website Safety: Ways to Tell If a Website is Fraudulent

The web is rife with scammers employing sophisticated tactics to get at your money and information. Fortunately, with protective measures, you can easily avoid unsafe websites. Here are ways to tell if a website is safe. Look for an SSL certificate.  Secure websites have a Secure Sockets Layer (SSL). An SSL is a digital certificate

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Holiday Budgeting 101

It’s easy to get caught up in the magic of holiday spending. But if you rely on credit to make holiday wishes a reality, the magic often falls flat when your bills come due. Take the time to create a holiday budget and avoid a post-holiday spending hangover. BE REALISTICSetting a realistic but firm budget

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Best Practices for Using a Credit Card

By adequately managing a credit card, you can earn rewards and build your credit score while making regular purchases. GET THE RIGHT CARDThe first step to best using a credit card is to get the right one. That means doing your research. It would help if you considered your spending habits and priorities regarding rewards.

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Beware of Third-Party App Scams

Everyone loves the convenience of payment apps – and scammers do, too. Scammers are experts at hijacking our favorite conveniences for their schemes, and third-party app scams are no exception. Let’s look at scams that con the victim into downloading a bogus payment app and how to protect yourself. HOW THESE SCAMS PLAY OUTVictims of

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Should You Use Cash, Debit, or Credit While Traveling?

Traveling doesn’t come cheap, and part of keeping your finances intact during vacation includes knowing the best way to pay for your purchases during your getaway. Should you primarily use cash, debit, or credit cards? Let’s look at the pros and cons of each choice so you can make an informed decision during your vacation.

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Debt Collection Scam

Debt-collection scams exploit the feelings of helplessness and overwhelm to lure victims. Let’s look at these scams and how to avoid falling victim. HOW THE SCAMS PLAY OUT In a debt-collection scam, a scammer posing as a debt collector will call a victim to demand payment for an outstanding debt. The caller insists on a

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Beware of Phantom Hacker Scam

According to the FBI, a Phantom Hacker Scam tricks people by using pop-ups, text, or email to get the person’s attention, then claims to be from a legitimate agency. They then warn the person that their financial information has been hacked. The pop-up, text, or email indicate they must talk to protect their device and

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All You Need to Know About Credit Card Fraud & How to Protect Yourself

With the advent of online commerce, credit and debit card fraud has exploded. Unfortunately, credit card fraud can go unnoticed until it causes severe damage. Here, we’ve outlined what you need to know about credit and debit card fraud, how to protect yourself, and what to do when you’re targeted. What is credit card fraud?

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The Post-Holiday Guide to Budget Recovery

The holidays are in the rearview, but if you’ve gone over budget with your spending, it’s time to deal with the aftermath, which is coming head-on. Here’s how you can get your budget back on track. Review your holiday spendingHow much debt did this season’s spending set you back? Spend some time crunching the numbers,

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What to Buy and What to Skip in January

January begins with a bang, but there are no major shopping holidays once the new year begins. Of course, you can still pick up great bargains this month or find that you’ve overpaid for something when its price drops right after you’ve purchased it. Here’s what to buy and what to skip in January. Buy:

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Last-Minute Holiday Hacks

The holidays are nipping at your heels and there’s still a lot to do! It probably seems like your stress levels keep rising while the money in your wallet keeps dwindling. It doesn’t have to be this way. With a bit of planning, you can enjoy a stress-free and affordable holiday season. Not buying what

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What to Buy and What to Skip in December

Whether you’re finishing up your holiday shopping or looking for year-end bargains in any category this month, here’s what to buy and what to skip in December.    Buy: ElectronicsLots of retailers keep the leftovers from November’s sales marked down through December. Look for discounted electronics at big box stores, online retailers, and directly from

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How to Budget in Times of Inflation

Sticking to a budget during times of high inflation is challenging—but not impossible. Here are five ways to help make it happen: Plan Your Grocery PurchasesFirst, shop your pantry and fridge before hitting the store. You may not remember what you have at home, so a quick scan can help you stick to purchasing only

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What to Buy and What to Skip in November

The biggest shopping month of the year is here! Before you charge up a storm, though, remember that not all “Black Friday Deals” are really worthy of the label. Here’s what to buy and what to skip in November.  Buy: Headphones & Audio Gear Tune into your favorite holiday jams with a pair of state-of-the-art

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Don’t Get Caught in a Pre-Approval Scam

You’ve got mail! And the good news keeps coming, because you’ve been pre-approved for a large loan—maybe even a mortgage! Yes, you! It’s a dream come true—until it turns into a living nightmare.  Here’s what you need to know about preapproval scams and how to stay safe. How the scams play out In a preapproval

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