How to have a Great Summer Vacation – On a Budget

How to have a Great Summer Vacation – On a Budget

How to have a Great Summer Vacation – On a Budget

Family Finances | Summer

houses

Summer vacation doesn’t have to mean draining your savings or racking up credit card debt. With a little planning in advance, you can have a fun, memory-filled summer vacation, while staying financially sound. Whether you’re planning a trip for yourself, vacationing with friends, or planning a family trip, these budget-friendly tips will assure you have a great summer vacation – without overspending.

1. Set a Budget

A good rule of thumb to follow when budgeting a get away is to follow the 50/30/20 rule. This means 50% of your budget is reserved for your monthly fixed costs, such as your mortgage payment, utilities, food, and childcare. 30% is used for discretionary spending and the last 20% goes into your savings. If you follow this method, the 30% you set aside will be your vacation budget.

If you’d like to get an idea of your overall spending and find out whether you are staying within these percentages, Money Management in digital banking includes budgeting tools that organize and categorize your spending so you can see the full picture.

What should you include in your vacation budget?

It’s important to set a realistic budget, based on what your family can afford. Include travel/transportation, lodging, food and drink, activities, souvenirs, and a small emergency fund.

See how much you should be saving monthly to reach your vacation fund goal with our Savings Goal Calculator.

2. Travel Smart

Travel/Transportation

You don’t have to fly across the world to feel like you’re on vacation. Save yourself the cost of airfare and rideshares by travelling locally. Just remember to account for gas and parking when you travel in your own car. If you must fly, consider booking your flights on less traveled days like the middle of the week because prices tend to be lower.

Accommodations

Hotels can eat up a large portion of your budget, so consider alternatives like a rental house or campsite. If your only option is a hotel, consider booking when there are deals available or booking with a travel or rewards focused credit card so you can earn cash back or rebates on your travel purchases.

Planning meals and activities ahead

Planning meals and activities ahead will also help you save money. Bringing your own food and drinks to avoid having to eat out for all three meals every day of your trip will help you stay within your budget. If your hotel offers complimentary breakfast, always take advantage of that. When eating out, consider drinking water instead of paying the additional cost of a soft drink. Prioritizing cheap or free activities like sightseeing landmarks, relaxing on the beach, visiting state parks, visiting local art and history museums, and enjoying public attractions will help keep the cost down. Just don’t forget to keep in mind the cost of parking.

Souvenirs

Start saving early for your souvenirs. To avoid charging unexpected expenses to a credit card, try to rely on cash for these items.

The best souvenirs are the memories you create!

3. Keep an eye out for unanticipated expenses

Remember, certain vacation costs are obvious – lodging, food and drink, travel – but small ones can quickly add up. While you’re comparing costs and looking for the best deal, you should also keep in mind gas, tolls, parking, and sunscreen. Try to walk through a typical vacation day, and map out every expense you might encounter – even the ones you accrue before leaving for the trip (beach towels, toiletries, new suitcase, etc.).

4. Final Thoughts

Don’t go into debt for a summer vacation. A great summer vacation isn’t about how much money you spend. It’s about who you’re with and the memories you create. With a little planning and some creativity, you can relax, explore, and have fun while staying financially savvy.

Keep your vacation savings separate from your main savings. Start saving for your next vacation with our Statement Savings account.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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Grill & Chill: Summer Cookout Recipes from JVB Employees

Grill & Chill: Summer Cookout Recipes from JVB Employees

Grill & Chill: Summer Cookout Recipes from JVB Employees

HOLIDAY | Summer

baking-cookies-from-recipe

As Memorial Day weekend approaches, we’re kicking off summer the best way we know how—through the joy of food, family, and outdoor gatherings. To celebrate the unofficial start of the season, we asked our employees to share their favorite summer cookout recipes, straight from their own kitchens and backyards. From smoky grilled mains to refreshing side dishes and desserts made for sunshine, these crowd-pleasers are perfect for your next BBQ or picnic. Whether you’re hosting a big bash or just enjoying a quiet evening on the patio, let these tried-and-true employee favorites inspire your Memorial Day menu—and all the summer cookouts to come.

Strawberry Shortcake Bars

Ingredients:

Bars:

  • 1 box vanilla cake mix

  • 2 eggs

  • 1/3 c veg oil

Crumble Topping:

  • 1 3oz package dry strawberry gelatin mix
  • 1 3oz package dry vanilla instant pudding mix
  • ½ c softened, unsalted butter
  • 1 c all purpose flour, divided

Cool Whip Layer:

  • 1 8oz package cream cheese, softened
  • 1 c powdered sugar
  • 1 tsp vanilla extract
  • 1 8oz tub cool whip topping, thawed

Directions:

  1. Preheat oven to 350 degrees. Line a 9×9 cake pan with aluminum foil an spray with nonstick cooking spray. Set aside.
  2. In a large bowl use an electric mixer to combine cake mix, eggs, and oil until dough forms. Press dough evenly into prepared pan with a spatula. Bake for 20 min or until edges are lightly browned, let cool completely before putting the topping on.
  3. In a small bowl combine the strawberry gelatin mix, 4 tbsp butter, and ½ c flour. Use a fork to mix the ingredients until a crumble forms. In another small bowl use a different fork to combine the vanilla pudding mix, 4 tbsp butter and the remaining ½ c flour until the crumble forms.
  4. Spread the crumble each on their own cookie sheet lined with parchment paper. Bake them at 350 for 10 minutes, checking the crumble frequently and stirring to prevent any burning. Place pans in freezer for 10 minutes to cool down the crumble quickly.
  5. In a large bowl, use an electric mixer to combine the cream cheese, powdered sugar, vanilla, and cool whip. Blend it on high until light and fluffy. Spread the frosting on top of the cooled bars and sprinkle a generous amount of crumble on top. Cut into squares and enjoy!!

This typically makes enough crumble that there is a decent amount left over. My family will use it to sprinkle on top of our ice cream until it is gone! 

Strawberry Heaven Trifle

Ingredients:

  • Premade angel food cake**
  • 2 lbs. strawberries**
  • 1 Stick of butter
  • 4 egg yolks
  • 2 tbs granulated sugar
  • 1 8oz tub of cool whip
  • 2 cups powdered sugar

Directions:

  1. Dice strawberries and mix with 2 tablespoons of granulated sugar, let this sit while you prepare the rest
  2. Cut angel food cake into bite sized pieces
  3. Melt 1 stick of butter and let it cool (or you can use very soft room temp butter)
  4. With a hand mixer beat the butter and egg yolks until silky
  5. Slowly add the powdered sugar until fully incorporated
  6. Fold in 1 tub of cool whip
  7. In a large bowl or trifle dish, layer angel food cake, cream mixture, strawberries, repeat.

    **Note: You can substitute the strawberries for almost anything! I originally started this recipe with crushed butterfingers.
    ** If doing premade angel food cake, 1 whole round cake is sufficient for this recipe, if you get the loaves, you will likely need 2.

Spicy Garlic Grilled Chicken

This is SO GOOD – We usually quadruple the recipe so we have lots of leftovers.

Ingredients:

  • About 1.25 pounds chicken breast cutlets

Marinade:

  • 1/2 cup mayonnaise
  • 2 tablespoons classic yellow mustard
  • 2 tablespoons lime juice
  • 2 tablespoons olive oil
  • 3 to 5 cloves garlic, minced or finely pressed
  • 1 tablespoon chili garlic sauce
  • 1 to 1.5 tablespoons sriracha, or to taste
  • 1/2 teaspoon freshly ground black pepper
  • 1 tablespoon fresh cilantro, optional
  • fresh parsley or cilantro, optional for garnishing

Directions:

  1. In a bowl, whisk together all the marinade ingredients until well combined. *
  2. Pour the marinade into a large zip-top plastic bag, add the chicken, seal the bag, and massage
    it gently to coat the chicken evenly.
    3. Refrigerate the bag for at least 1 hour, or up to 24 hours, to let the flavors develop.
    4. Preheat a grill (outdoor or indoor grill pan) to medium-high heat. Grill the chicken for
    approximately 7 minutes, or until fully cooked.
    *Note: If you’d like, you can set aside about 1/4 cup of the marinade before adding it to the zip-top bag
    to use later as a dipping sauce for the cooked chicken.

Bacon and Pineapple Jalapeno Poppers

Ingredients:

  • 10 Jalapenos

  • 8 oz package cream cheese (room temperature)

  • 20 oz can crushed pineapple in heavy syrup, drained well

  • 16 oz package bacon (not thick-sliced)

  • Barbeque sauce

Directions:

  1. Slice jalapenos length wise.
  2. Beat cream cheese until fluffy, add pineapple and stir until thoroughly combined.
  3. Spread the mixture into jalapeno halves, leveling the tops.
  4. Wrap each stuffed jalapeno with one slice of bacon.
  5. Arrange on large baking pan that was lightly sprayed with cooking spray. Bake at 375 for 30-35 minutes.
  6. Baste the poppers with BBQ sauce and continue baking for 5 minutes. Enjoy!

Texas Caviar

Place the following ingredients into a bowl:

Drain before adding:

  • 1 can black eyed peas

  • 1 can pinto beans 

  • 1 can black beans

  • 1 can shoepeg corn

Finely chopped:

  • 1 cup red pepper 

  • 1 cup celery 

  • 1 cup green onion

In a separate bowl, mix 1 cup sugar, 3⁄4 cup apple cider vinegar, 1 teaspoon water, and a sprinkle of salt and pepper. Microwave the mixture until it boils, and then pour over the dip. 

Serve with Fritos Scoops

Campfire Potatoes

Ingredients:

  • 2 lbs Red Potatoes
  • 1⁄2 teaspoon Salt
  • 1⁄2 teaspoon Pepper
  • 3 Tablespoons Butter
  • 1⁄2 cup Mozzarella Cheese shredded
  • 1 cup Cheddar Cheese shredded
  • 6 slices Bacon cooked and chopped
  • 3 Green Onions sliced

Directions

  1. Spray 3 large pieces of foil with a non-stick cooking spray.
  2. Slice the potatoes into thin slices and evenly divide them onto the pieces of foil.
  3. Season the potatoes with salt and pepper. Then top each one with the diced bacon and green onions. Then top each one with thin slices of butter.
  4. Fold the foil around the potatoes securely to make a foil pack.
  5. Place on a preheated grill over medium high heat or place on a campfire. Grill for 15-20 minutes until the potatoes are tender.
  6. Carefully open the foil packs. Evenly place the shredded cheese over the potatoes in the foil. Carefully close the foil packs back up and allow the steam from the potatoes to melt the cheese (approximately 2-3 minutes). 
  7. Then the potatoes are ready to serve warm and enjoy!

Notes:

We used heavy duty foil to make sure that it doesn’t break when cooking. 

Refrigerate the leftovers in an airtight container for up to 5 days.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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Financial Resolutions for the New Year

Financial Resolutions for the New Year

Financial Resolutions for the New Year

Family Finances | Holiday

gold-balloons-spelling-out-2025

Are you the kind of person who makes resolutions for the new year? Here are five resolutions we encourage you to consider to boost your financial wellness in 2025.

Resolution 1: Create a budget

One of the best ways to achieve financial stability and peace of mind is by creating a budget. Whether you’ve never had one before or want to improve your current financial habits, budgeting can help you take control of your money and achieve your goals.

  • Set clear financial goals: Before diving into numbers, think about what you want to achieve in the new year. Financial goals provide direction for your budget. Some common examples include: Paying off credit card debt, saving for an emergency fund, building a retirement fund, saving for a vacation or big purchase. Write down your goals and prioritize them. This will help you stay motivated and focused.
  • Track your income: The first step in creating a budget is understanding your income. List all the sources of income you receive each month, including: salary, side gigs or freelance work, and passive income (rent, investments, etc.). Be sure to account for any irregular income, like bonuses or seasonal work. Calculate your total monthly income, which will serve as the foundation for your budget.
  • List your expenses: It’s helpful to break them down into fixed and variable categories.
  • Categorize and prioritize: Once you have a clear picture of your expenses, you can start categorizing them. Essential expenses like housing, utilities, and groceries should be prioritized, while non-essential costs (such as entertainment or dining out) should be trimmed down if necessary.

Tip: If your income exceeds your expenses, you have more flexibility to allocate funds to savings, investments, or debt repayment. If your expenses are higher than your income, it’s time to adjust.

The key to a successful budget is consistency. Use budgeting tools like apps (e.g., Mint, YNAB, or PocketGuard) or a simple spreadsheet to track your spending. Compare your actual expenses to your planned budget each month and adjust as necessary.

If you find you’re overspending in certain categories, identify areas to cut back. Alternatively, if you’re saving more than expected, consider allocating those extra funds to your financial goals.

Resolution 2: Manage your Debt

Debt is neither inherently good nor bad – it all depends on how you use it. For most people, some level of debt is a necessity, especially to purchase long-term assets, such as a home. However, when unmanaged, debt becomes a burden. It’s important to stay in control.

  • Keep your total debt load manageable: Don’t confuse what you can borrow with what you should borrow.
  • Consider the “debt snowball” or “debt avalanche” methods:
    • Debt snowball: Pay off the smallest debt first to gain momentum.
    • Debt avalanche: Pay off the debt with the highest interest rate first to minimize overall costs.

Resolution 3: Prepare for the unexpected

Life is full of unexpected expenses, from medical bills to car repairs. Having an emergency fund gives you a safety net to cover these costs without derailing your budget. Aim to save 3-6 months’ worth of living expenses. Start small by setting aside a portion of your income each month until you reach your goal.

Resolution 4: Protect your estate

An estate plan may seem like something only for the wealthy. But there are simple steps everyone should take.

  • Create or Update Your Will: A will is the foundation of any estate plan. It clearly outlines how your assets should be distributed after your death. If you already have one, make sure it’s up-to-date with your current wishes and life circumstances, such as new children, grandchildren, or significant changes in assets. If you don’t have a will, now’s the time to write one.
  • Consider a Trust: While a will is important, a trust can provide additional protection for your estate. Trusts allow you to control how and when your assets are distributed. For instance, a revocable living trust helps you avoid probate (the lengthy and often costly legal process that can delay asset distribution), keeping your estate private and potentially saving your heirs time and money.
  • Designate Power of Attorney: A financial and healthcare power of attorney gives someone you trust the authority to make decisions on your behalf if you become incapacitated. This ensures your financial matters and medical decisions are handled according to your wishes, even if you’re unable to communicate.
  • Establish a Healthcare Directive: A healthcare directive (also known as a living will) specifies the type of medical treatment you want to receive should you become seriously ill or injured. This document relieves your family members from the burden of making tough medical decisions in times of crisis.
  • Review Your Beneficiaries: Beneficiary designations on life insurance policies, retirement accounts, and other financial assets often override what’s written in a will. This means it’s essential to review and update your beneficiary designations to ensure they reflect your current wishes. If you’ve had a life change (such as marriage, divorce, or the birth of a child), make sure to update these designations promptly.
  • Protect Your Digital Assets: In today’s digital age, your online presence and digital assets need protection, too. This includes everything from social media accounts to cryptocurrency holdings, and online banking services. Make a list of all your digital assets and include instructions for accessing and managing them in case something happens to you.
  • Ensure Adequate Insurance Coverage: Insurance plays a significant role in estate protection. Review your insurance policies—homeowners, life, health, auto, and even long-term care insurance—to ensure your coverage is adequate for your needs. An unexpected event can cause a huge financial burden on your loved ones if they aren’t properly insured.

Estate planning can be complex, and the laws surrounding it vary by location. It’s a good idea to work with an estate planner, financial advisor, or attorney to ensure that your estate plan is comprehensive, legally sound, and tailored to your specific situation.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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2024 Rewind: Hand-picked songs from JVB Employees

2024 Rewind: Hand-picked songs from JVB Employees

2024 Rewind: Hand-picked songs from JVB Employees

Holiday

2024-rewind-on-retro-background

As we wrap up an incredible year, we’re excited to share something special with you—a 2024 Rewind playlist curated by our very own JVB employees. From chart-topping hits to hidden gems, this playlist reflects the diverse musical tastes, memories, and moments that have shaped our year. Each track holds a personal connection, whether it’s a song that sparked inspiration, set the mood, or simply became a favorite. Join us as we take a journey through 2024, one song at a time.

“Chemtrails Over the Country Club” – Lana Del Rey

“I Can Do it With a Broken Heart” – Taylor Swift

“I Had Some Help” – Post Malone

“You Look Like You Love Me” – Ella Langley and Riley Green

“Sun to Me” – Zach Bryan

“Timeless” – The Weekend and Playboi Cari (E)

“That’s Who I Praise” – Brandon Lake

“A Tear in Space” – Glass Animals

“A Bar Song” – Shaboozey

“Illicit Affairs” – Taylor Swift

“Nine Ball “– Zach Bryan

“Beautiful Things” – Benson Boone

“Guilty as Sin?” – Taylor Swift

“APT” – ROSÉ & Bruno Mars

“Emergency Contact” – Pierce the Veil (E)

“Whiskey Whiskey” – Moneybagg Yo and Morgan Wallen

“Goodness of God” – Bethel Music and Jenn Johnson

“Satisfied” – Hamilton Musical

“Hater” – Spencer Sutherland (E)

“Wrong Ones” – Post Malone ft. Tim McGraw

“Good Day” – Forrest Frank

“I Am Not Okay” – Jelly Roll

“Not Like Us” –  Kendrick Lamar (E)

“Who’s Afraid of Little Old Me?” – Taylor Swift

“A Drummer Boy Christmas Live” – For King and Country

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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Buy Now, Pay Later vs Credit Cards: Which is Right for You?

Buy Now, Pay Later vs Credit Cards: Which is Right for You?

Buy Now, Pay Later vs Credit Cards: Which is Right for You?

Fraud | idLock

buy-now-pay-later-vs-credit-card

There are more ways to pay for purchases than ever before. However, whether you’re shopping in-store or online, credit cards are still one of the most used payment methods regardless of the growing attraction of buy now, pay later (BNPL) plans. BNPL lets you split purchases into no interest payment plans but do not offer as many benefits as credit cards.

If you’re not sure whether you should use a credit card or BNPL, or a mix of the two, we’ve listed a few pros and cons of the two options.

 

Credit Cards

Buy Now, Pay Later

Pros:

  • Minimum monthly payments can be paid off over a long period of time, though it is not recommended carrying a balance.
  • Can be used for almost any type of purchase – stores, gas stations, grocery stores, and more.
  • Potential to earn rewards or points.
  • Potential to benefit from sign-up bonuses.
  • Opportunity to improve credit score, with responsible payments.

Cons:

  • Longer application process.
  • Applying for credit cards result in hard credit checks that can negatively impact credit scores.
  • If you do not pay off the card at the end of the monthly billing cycle, you may owe interest.
  • You may have annual fees, foreign transaction fees, and/or late payment fees.

Pros:

  • Fixed installment plans, typically with no interest.
  • Choose the payment frequency that works for you.
  • Instant approval and apply right at check out.
  • Hard credit checks are not always required.

Cons:

  • You cannot earn rewards or points.
  • Not accepted by every retailer.
  • May be charged late fees or interest for late payments.
  • Less likely to increase credit score.

Which is Better?

Deciding which option is best for you depends on your financial situation and long-term goals. BNPLs are usually accepted by online or in-store retailers whereas credit cards can be used almost anywhere, for any type of purchase.

If increasing a credit score or building credit history is your goal, credit cards are a better option for you. But if you have a low credit score or a short credit history, BNPL is a better option for you as it often uses less stringent criteria to approve you. However, it is not an all-or-nothing option, some people switch between one or the other depending on the purchase.

Choose BNPL if:

  • You want to make a large purchase and pay it off quickly.
  • You prefer fixed payments to manage budgeting.
  • You plan to make purchases from specific retailers that offer BNPL.

Choose Credit Cards if:

  • You want flexibility to shop anywhere.
  • You’re looking to build credit and take advantage of rewards.
  • You can manage repayments responsibly to avoid interest charges.

Bottom Line

Both BNPL and credit cards can be useful financial tools, but understanding their differences is crucial for making informed choices. Assess your spending habits, repayment capabilities, and financial goals to decide which option aligns best with your lifestyle. Whatever you choose, make sure to read the fine print and understand the terms before committing!

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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How to Protect Your Holiday Cheer from Grinches in Disguise

How to Protect Your Holiday Cheer from Grinches in Disguise

How to Protect Your Holiday Cheer from Grinches in Disguise

Family Finances | Fraud

grinch-holding-present

As the holiday season approaches, the excitement of gift-giving, family gatherings, and festive celebrations fills the air. Unfortunately, this time of year also brings an increase in scams targeting unsuspecting victims. Scammers are especially active during the holidays, taking advantage of the hustle and bustle to trick people into giving away their money or personal information. Here’s how you can stay safe and protect yourself from holiday scams:

1. Be Cautious with Online Shopping

Online shopping is convenient, but it also opens the door for scammers. Here are some tips to ensure a safe shopping experience:

  • Shop from reputable websites: Stick to well-known retailers and avoid unfamiliar sites. Check for reviews and ratings before making a purchase.
  • Look for secure connections: Ensure the website’s URL begins with “https://” and has a padlock icon in the address bar. This indicates that the website is using a secure connection.
  • Avoid shopping on public Wi-Fi: Whenever possible, avoid shopping on public “free” Wi-Fi networks. It makes it easier for hackers to intercept your online activities.
  • Beware of deals that seem too good to be true: If a deal seems too good to be true, it probably is. Be cautious of prices that are significantly lower than average.

2. Watch Out for Phishing Emails and Messages

Phishing scams are rampant during the holiday season, as scammers send fraudulent emails and messages that appear to be from trusted sources. To protect yourself:

  • Verify sender information: Always check the sender’s email address for any discrepancies. Scammers often use addresses that closely resemble legitimate ones.
  • Don’t click on suspicious links: Hover over links to see where they lead before clicking. If you’re unsure, visit the official website directly instead of using the link.
  • Look for urgent language: Scammers often create a sense of urgency to provoke immediate action. Take a moment to think before responding.

3. Be Wary of Charity Scams

During the holidays, many people feel generous and want to give back to those in need. Unfortunately, this generosity can be exploited by scammers posing as charities. Here’s how to ensure your donations go to legitimate causes:

  • Research the charity: Use resources like Charity Navigator or the Better Business Bureau’s Charity Resources to verify the legitimacy of a charity.
  • Avoid giving personal information: Legitimate charities will not ask for sensitive information like your Social Security number or bank details.
  • Donate directly through official websites: Instead of responding to emails or social media solicitations, go directly to the charity’s official site to make your donation.

4. Protect Your Personal Information

The holiday season is a prime time for identity theft. Keep your personal information secure by following these practices:

  • Limit sharing on social media: Be cautious about sharing personal details, especially related to your travel plans or new purchases. Scammers can use this information to target you.
  • Use strong, unique passwords: Create complex passwords for your online accounts and consider using a password manager to keep track of them.
  • Monitor your financial accounts: Regularly check your bank and credit card statements for any unauthorized transactions.

5. Stay Alert for Package Scams

With more packages being delivered during the holiday season, scammers may try to take advantage of this by:

  • Tracking scams: Be cautious of fake tracking emails that appear to come from shipping companies. Always verify the tracking number on the carrier’s official website.
  • Porch piracy: Consider using secure delivery options, like package lockers or requiring signatures upon delivery, to prevent theft.

Conclusion

As you dive into the holiday festivities, remember to stay vigilant against potential scams. By taking these precautions and being aware of common tactics used by scammers, you can enjoy a safe and joyful holiday season. Share these tips with family and friends to help them stay informed and protected as well. Happy holidays!

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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