69 episodes
Perfect Cents Podcast SAFE Credit Union
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- Business
Join the SAFE Community Relations team on a journey towards financial wellness and meaningful community involvement. The Perfect Cents Podcast, presented by SAFE Credit Union is a program designed to empower each listener to take control of their financial situation and become a greater force for good in their community. Episodes will feature recurring segments along with occasional guests from around the Greater Sacramento region. Guests will include SAFE Credit Union colleagues, industry experts, business leaders and non-profit champions.
SAFE is a not-for-profit, cooperative state-chartered credit union based in Folsom, CA. Our mission is to help members improve their financial well-being, to provide excellent service and to ensure a financially sound credit union.
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The Credit Union Difference: Financial Capability & Building CommYOUnity Month
On this episode of the podcast, Alex Becerra & Hector Madueno talk about the Credit Union Difference and the various, unique ways SAFE Credit Union embodies the philosophy of “People Helping People.” Throughout the episode they discuss SAFE’s Financial Capability Month and Building CommYOUnity Month campaigns while spotlighting the work that is being done to advance financial education opportunities and community impact efforts for community members across the Sacramento region. Tune in and get the inspiration you need to create lasting positive impact in your community... because embracing the Credit Union philosophy of people helping people just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
CBS News / Good Day Sacramento | Rebuilding Together Sacramento (nonprofit)
SAFE Credit Union - Refer Your Friend
To access Financial Capability Month resources visit: https://www.safecu.org/community/financial-education#financial-guides
To learn more about SAFE's Community Impact work visit: https://www.safecu.org/community/community-impact
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org -
FAFSA (Free Application for Federal Student Aid)
On this episode of the podcast, Hector Madueno and Miriam Dougherty welcome Sallie Mae’s Director of Relationship Management, Jeff Lackey, to discuss the importance of the FAFSA for new college students. Together they provide helpful insights into the process of completing the FAFSA, various types of financial aid students may qualify for, and much more! Tune in and learn how to set your future college student up for success as they continue their journey of pursuing higher education... because understanding the different ways you can pay for a college education just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Federal Student Aid - FAFSA
Sallie Mae
Sallie Mae - How America Pays for College
California Student Aid Commission
SAFE Credit Union - Student Loans
SAFE Credit Union - Scholarships
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ -
Consumer Loans: Insurance and Protection
On this episode of the podcast, Alex and Miriam welcome SAFE Credit Union’s Senior Insurance Specialist, Lisa Lomeli to discuss the importance of loan insurance and payment protection products. Together, they share valuable insights into various types of loan insurance including GAP (Guaranteed Asset Protection,) MBI (Mechanical Breakdown Insurance,) SAFE Payment Protection and more! They also share true stories that highlight the real-world benefits of protecting your loans, as well as, your credit standing and overall financial wellness. Tune in today and learn how to protect your loans, assets, and finances by utilizing loan insurance... because strategically using loan insurance products to ensure your financial wellness and give you extra peace of mind, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Insurance You May Not Know You Need | SAFE Credit Union Beyond Every Day Banking Blog
SAFE Credit Union | Insurance and Protection Options
SAFE Credit Union Insurance and Protection HOTLINE: (916) 971-8764
Investopedia | Is Loan Protection Insurance Right for You?
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ -
New Year, New Credit Habits
On this episode of the podcast, Savannah and Alex discuss 5 tips for improving your credit in 2024. Together they discuss the importance of narrowing down your specific credit goals, understanding your complete financial picture, digging deep into your annual credit report, and more! Tune in today and get the inspiration YOU need to finally achieve your good credit goals... because following these 5 tips to build healthy credit habits just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
The 5 Factors of Credit | SAFE Credit Union Beyond Everyday Banking Blog
AnnualCreditReport.com
CreditKarma
Equifax
Experian
TransUnion
Debt Snowball vs. Debt Avalanche
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ -
Holiday Spending Tips
On this episode of the podcast, Alex, Brit, Savannah, and Miriam share last-minute holiday spending tips submitted by fellow SAFE Credit Union employees. During the discussion they mention creative strategies for reducing spending, responsibly utilizing credit cards, deciding between wants vs. needs, alternative gift giving ideas, and much more! They also share insightful data around common holiday shopping trends, increases in gift-giving costs, and consumer spending habits. Tune in and get the support you need to cross those last-minute gifts off your checklist... because enjoying the festivities of the holiday season without the stress of overspending just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Bankrate.com | How to do Holiday Shopping on a Budget
Bankrate.com | Americans to Slash Holiday Budgets due to Inflation
Bankrate.com | After an Expensive 2023, 52% of Americans are Staying Home for the Holidays
SAFE Credit Union - 12-Month Certificate Special
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
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Specialty Savings Accounts: FSA & HSA
On this episode of the podcast, Alex and Savannah talk about increasingly popular specialty savings accounts - specifically, FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts.) Together they discuss the benefits of taking advantage of specialty savings accounts, the importance of fully understanding your employer benefits, helpful tips for getting the most out of your benefits offerings, preparing for your next open enrollment period and much more! Tune in and discover new ways to help YOU stretch your dollar further, cover your most essential needs, and ensure your future self is set up for continued success!.. because maximizing your health benefits to enhance your financial wellness just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
FSA Store
HSA Store
National Institutes of Health | The Difference Between a Flexible Spending Account (FSA) and a Health Savings Account (HSA)
Investopedia | Health Savings vs. Flexible Spending Account: What's the Difference
HealthEquity | HSA vs FSA: Which Account is Right for Me?
FSA Store | Does my FSA Have a Grace Period or Rollover?
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/