Prevent Identity Theft When Traveling

As you make your travel plans, plan how you'll keep your personal information safe. When you're away from home, distractions become opportunities for thieves who are looking for ways to steal your identity. Don't let them ruin your vacation.

These simple steps can save you hours of frustration and hundreds of dollars or more.

Before you go: Have your mail collected or held at the post office. Don't blog, tweet, or post your travel plans on social networking sites. Decide which credit cards you'll take (as few as possible) and how you'll stash a backup in case one is lost, stolen, or canceled. Make a list of important phone numbers, including the numbers of credit card issuers. At home, make sure your financial documents aren't sitting in plain view.

When traveling: Don't carry extra credit cards or personal information (Social Security number and so forth) in your wallet or purse unless necessary. Never leave your purse or wallet unattended. Beware of distractions. Criminals create or take advantage of distractions and then try to steal your personal items. Assume public wireless establishments aren't secure-don't enter passwords or financial account information when using a public wireless "hot spot" or cyber café. Use cash when possible. Confirm credit card numbers in person at hotels instead of over the phone.  

Copyright 2011 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

Summertime Tax Tips

Summer is filled with activities--weddings, jobs, and summer camps are just a few. Whether you're tying the knot or sending your child to camp, these tips from the Internal Revenue Service (IRS) can help you prepare for tax implications that might occur and prepare for some possible tax breaks.  

Newlyweds

• Report any name change to the Social Security Administration so your name and Social Security number will match when you file your next tax return.
• File address changes with the U.S. Postal Service--this way you'll continue to receive your mail and can let the IRS know your new address.
• Consider whether you'll file joint or separate returns.
• If you're considering buying a house, find out which expenses may be deductible and which are not.  

Working students

You may be exempt from withholding taxes if:

• You can be claimed as a dependent (usually on a parent's return).
• Your total 2010 income will not be more than $5,700.
• Your unearned income (interest, dividends, and so forth) will not exceed $300.
• You had no income tax liability for 2009.  

Summer Camps

Day camp programs can have favorable tax consequences. Unlike overnight camp, the cost of day camp counts as an expense toward the child and dependent care credit. You may figure the credit on up to $3,000 of expenses, $6,000 for two or more children. The credit rate ranges from 20% to 35% of expenses, depending on your income. The 35% rate applies if your income is under $15,000; the 20% rate, if your income is over $43,000.  

Check the IRS Web site at www.irs.gov for more information.  

Copyright 2011 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

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