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What to Do with Your First Paycheck

What to Do with Your First PaycheckAs part of the changes you’re gearing up for in the months after you graduate, you’re poised to enter the working world as a long-term employee, perhaps for the first time in your life. As you prepare for this transition, you might have dollar signs dancing in your head

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Tips for Empty Nesters Downsizing

Quiet. Calm. Clean. And empty. These are just some words that may come to mind when your youngest kiddo leaves the nest. No stray sneakers cluttering up the foyer. No trail of school papers. You may even get the TV remote to yourself! Now that the house has emptied, though, it’s time to sift through

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Can Missing Rent Impact Your Credit Score?

You might be one of the many Americans who are worried about making rent or possibly under the threat of being evicted. You also may be wondering how this process can impact your credit scores. While an eviction itself won’t end up on your credit report, not paying your rent on time can negatively impact your

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DoverPhila Federal Credit Union Celebrates Youth Week

Financial literacy is a crucial life skill for young people, but it is one that too few are learning. As a credit union, one of our founding principles is concern for community. We believe financially prepared kids are one way communities get stronger and that is why from April 19th — April 24th, DoverPhila Federal

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Preparing Financially for a New Baby

Congratulations! You’re expecting a baby and you’re breathless with excitement — and nerves. A baby means big changes, and a part of those changes is lots of new expenses. How will you pay for it all? We’ve got the tips you need to prepare financially for a new baby. Pay down debtDon’t let your debt

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Five Ways to Prepare for Your College Graduation

After four years of late-night cramming sessions, a grueling class schedule, and too many term papers to count, the big day is finally within sight. Graduation! You can hardly wait to toss your cap into the air and start making your mark in the big wide world. As you count down toward graduation, don’t forget

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Five Reasons We Overspend (and How to Overcome Them)

What makes us overspend? Let’s look at five common reasons and how we can overcome them.  1. To keep up with the JonesesWhen people who seem to be in the same financial bracket as us can afford another pair of designer shoes for each outfit, we should be able to afford them, too, right? Break

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How to Celebrate Valentine’s Day on a Budget

Here’s how to enjoy a romantic evening with your partner without going into debt: Work with a budgetWe know your partner means the world to you, but that doesn’t mean you need to spend the world proving it. Designate a budget for all your Valentine’s Day expenses — and stick to it! Use a sales

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Scam Update: Unemployment Fraud

IDENTITY THEFTThroughout the COVID-19 pandemic, scammers have been stealing personal information from individuals and then filing and claiming unemployment benefits in that individual’s name. Victims of these unemployment scams are often just now learning about this identity theft, as unemployment agencies are sending tax forms (1099-G) for income tax filing. If you received a 1099-G

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Beware of Romance Scams

America’s most expensive scam is on the rise. Romance scams are all over the internet and can be difficult to spot. Here’s what you need to know about these scams. HOW THE SCAM PLAYS OUT In a romance ruse, a scammer creates a bogus online profile and attempts to connect to singles on dating apps and

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DoverPhila Prioritizes Members & Invests in Community

While 2020 was challenging in so many ways, it marked considerable community investment and product enhancement for DoverPhila Federal Credit Union as it continued to be a financial leader in Tuscarawas County while giving back to its members. Because of great financial results in 2020, the credit union gave back $1.65 million to its members

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What You Need to Know About Today’s Real Estate Market

Trends and stats in real estate are constantly changing, especially during the unstable economy of COVID-19. Here’s what you need about the real estate market today. Is it a buyer’s market now? Pickings are slim for homebuyers right now, giving sellers the upper hand and driving up prices for buyers. Low supply also means homes are

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Protect Yourself From COVID-19 Vaccine Scams

As vaccine distribution begins across the country, scammers will be tagging right along. Here’s what you need to know to avoid a vaccine-related scam: You cannot pay to put your name on a list to get the vaccine. You cannot pay to get early access to the vaccine. No one from a vaccine distribution site or

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Secret Sister: An Illegal Pyramid Scheme

How it plays out:The “Secret Sister” gift exchange seems like a fun way to spread cheer within the social media-verse, but it’s actually an illegal pyramid scheme, according to the U.S. Postal Inspection Service (USPIS). Akin to old-timey chain letters, the Secret Sister gift exchange asks participants to buy a gift of at least $10

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Tracking Holiday Spending Keeps Season Stress Down

The holidays will look different this year because of the COVID-19 pandemic, which is why most people will try harder to make the season brighter. But you don’t have to dip into the kids’ college savings to create a special time! The most important thing to remember is a plan with a set spending amount

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COVID-19 Scams: Updates & Reminders

ECONOMIC IMPACT PAYMENT SCAMS – TEXTScammers are texting taxpayers and trying to trick them into disclosing bank account information or other personal identifying information under the guise of receiving an Economic Impact Payment. The scam text message states: “You have received a direct deposit of $1,200 from COVID-19 TREAS FUND. Further action is required to accept

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Five Steps to Take After Being Hacked

Uh oh — you’ve been hacked! Finding out someone has cracked open your accounts and helped themselves to your information can be alarming, but there are ways to mitigate the damage while jump-starting your recovery process. Here are five steps to take after being hacked: Step 1: Assess the damage First, determine the damage. Unfortunately, one

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Managing Holiday Expenses

It’s supposed to be the most wonderful time of the year; but for many, the holidays can be an expensive time. From gifts to decorations to wrapping paper to special events, it’s easy to overspend and possibly even go into debt paying for all the extras. In 2019, Forbes reported on a Gallop poll showing

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