A Penny or Two for Your Thoughts

Hurrdat Media
  • 5.0 (15)
  • INVESTING
  • UPDATED MONTHLY

A Penny or Two for Your Thoughts was created by two moms, two marketers, two women new to the financial industry who had a lot of questions. Banking and finances can be emotional and sometimes it's hard to ask questions we think we should know. That is where Chantel and Liz jump in asking all the questions, hoping they can help listeners along their financial journey. The episodes are interview-style with knowledgeable local guests. Each episode carries fantastic subject matter expertise that is easy to understand and relatable; sprinkled in with humor to engage listeners with a smile or a chuckle or two! We also end each episode by asking the guest to leave listeners with a Penny or Two for Their Thoughts which would be the key takeaways they would like the listeners to remember. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel!

  1. JAN 29

    Your Personal Brand Starts Before You Speak (Here’s How to Own It) | APOTFYT

    Two moms, two marketers, and a topic that affects your career before you even say hello. In this episode of A Penny or Two for Your Thoughts, Chantel Windeshausen and Liz Malmberg talk personal branding and what it really means beyond clothes. They’re joined by former Centris teammate Katie Braga, now a personal stylist and certified color consultant, to unpack how your presence, body language, consistency, and even what you wear can shape trust, credibility, and opportunity. You’ll get practical ways to define how you want to be perceived, show up stronger on Zoom, and build confidence that feels authentic instead of forced. 00:00 A Penny or Two for Your Thoughts kicks off: “man colds,” moms, and real-life chaos 04:03 Meet Katie Braga: former Centris teammate turned personal stylist + color consultant 10:43 What is personal branding? How you’re perceived at work (beyond outfits) 12:45 Misconceptions about personal brand: it’s not just for executives 14:18 Confidence before you speak: body language, presence, and credibility cues 15:26 Imposter syndrome + standing out: stop shrinking to “fit in” 20:43 Personal brand on Zoom: camera-on trust, communication, and virtual presence 28:24 Leadership + growth: clarity builds trust, trust creates opportunity (key takeaway + shoutout) – About A Penny or Two for Your Thoughts –   When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.   Visit us at our website: https://www.centrisfcu.org/a-penny-or...     Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY...   Apple Podcasts: https://podcasts.apple.com/us/podcast...      *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU   https://www.instagram.com/centrisfcu/   https://twitter.com/CentrisFCU    https://www.linkedin.com/company/centris-federal-credit-union/    This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    49 min

  2. 12/02/2025

    7 Omaha Nonprofits Changing Lives: Mental Health, Food Security & Housing Support | APOTFYT

    This Giving Tuesday episode brings together seven incredible organizations making a real difference in the Omaha community. Hosts Chantel Windeshausen and Liz Malmberg, along with Centris Vice President of Community Relations, Dawn Gonzalez, sit down with five of the seven 2025 Centris Community Impact Grant winners to discuss their missions and the lives they're changing. Hear from Emily Moser of Ronald McDonald House Charities about providing a home-away-from-home for families with critically ill children. Representatives from Project Harmony's Connections program, Kodjovi and Joanna, discuss bringing school-based mental health therapy and expressive arts groups to Omaha-area students. Amy Krause and Leigh Sitenauer from Bags of Fun share how they deliver joy to kids battling serious illnesses. Melissa Nelson of Neighborgood explains how their market-choice pantry fights food insecurity in Sarpy County. And, Melissa Glenn from the Builder Foundation discusses training the next generation of construction trade specialists. Plus, hear about the homes Habitat for Humanity North Platte and Volunteers Assisting — two additional grant recipients unable to join but making equally important impacts. Bags of Fun Omaha: https://bagsoffunomaha.org/ The Builder Foundation: https://builderfoundation.org/ NeighborGood: https://neighborgoodpantry.org/ North Platte Area Habitat for Humanity: https://www.nphabitat.org/ Project Harmony Child Advocacy Center: https://projectharmony.com/ Ronald McDonald House Charities Omaha: https://rmhcomaha.org/ Volunteers Assisting Seniors (VAS): https://vas-nebraska.org/ – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    53 min

  3. 10/10/2025

    40k Lost in Minutes: Tech Support Scams, AI Threats, and Protecting Your Kids Online | APOTFYT

    On this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with fraud experts Ashley “Ash” Goodsell (Senior BSA Fraud Investigator at Centris), Michelle Vybiral (Assistant Vice President of Strategic Risk Management at Centris), and Deputy Michael P. Dechellis from the Douglas County Sheriff’s Office to tackle the scams hitting families hardest in 2025. From sextortion targeting teens with AI-manipulated images, to tech-support “refund” hoaxes draining thousands from seniors, to Nebraska’s new LB 609 crypto ATM law that could help victims get back stolen funds, this episode gives you practical tools to spot red flags and protect the people you love. With clear tips, emotional real- world stories, and insider expertise, you’ll walk away ready to shut down scammers and keep you and your money safe. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    59 min

  4. 09/11/2025

    Closing a Credit Card HURTS Your Score?! (Myth vs Fact) | APOTFYT

    Taylor Swift and Travis Kelce’s engagement may have “broken the internet,” but hosts Chantel Windeshausen and Liz Malmberg are here to bust an even bigger set of myths: your credit score. In this episode of A Penny or Two for Your Thoughts (produced by Centris Federal Credit Union and Hurrdat Media), Chantel and Liz welcome Centris AVP and longtime credit expert Ron VanSkiver for a playful yet practical “Mythbusters” spin on all things credit. From whether checking your score will hurt it, to why closing a card can backfire, to how one $25 subscription mistake dropped a score 100 points, the conversation mixes humor, family stories, and real-world money lessons you can use right now. 00:00 Cold open — producer Rico, tequila jokes & pre-show banter 00:25 APOTFYT intro — hosts Chantel Windeshausen & Liz Malmberg 00:52 Taylor Swift & Travis Kelce engagement “breaks the internet” 02:09 Back-to-school life: five-year-old fatigue & senior-year feels 05:05 Credit Score “Mythbusters” — today’s game plan 05:30 Guest intro: Centris AVP Ron Van Schuyver (39 years in finance) 06:27 Fun fact & branch leadership; agribusiness degree 06:55 Welcome Ron — virtual setup & vibes 08:06 What is credit? Why it matters for cars, homes & rates 09:46 How credit scores impact approvals and interest rates 10:56 Why credit myths persist & what lenders actually look for 11:22 Myth #1: Does checking your own credit score lower it? (soft pulls) 13:39 Myth #2: Should you carry a balance to build credit? (30% utilization) 15:49 Adulting & the “free pizza” credit-card cautionary tale 16:34 Myth #3: Will closing a credit card hurt your score? (utilization & age) 18:41 Myth #4: Does your income affect your credit score? 20:19 Myth #5: Can you fix bad credit overnight? (HELOC/restructure tips) 22:49 Myth #6: Do paid-off loans vanish from your report? (7 vs 10 years) 24:00 Myth #7: Is there only one true credit score? (models vary) 24:28 How lenders choose which bureau/model to use 26:05 Myth #8: Do debit cards build credit? 26:53 Myth #9: Can one late payment tank your score? ($25 subscription story) 29:30 Myth #10: Is all debt bad? (using “good debt” to build a life) 31:01 Myth #11: Is there a credit blacklist? (how decisions are made) 32:31 Myth #12: Can you control your credit score? (influence vs control) 33:25 Myth #13: Will your score drop when you pay something off? 34:40 Myth #14: Do hard pulls wreck your score? (~5 points & timing) 37:22 Takeaway — Ron’s credit playbook: moderation & smart borrowing 39:07 Shout-outs, socials & subscribe 40:29 Book an appointment with Centris FCU & outro – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    41 min

  5. 07/17/2025

    Facing Repossession? Here's What to Do Before It's Too Late

    In this episode of A Penny Or Two For Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg are joined by returning guest Andy Manthei of GreenPath and Centris' own James Moon to unpack the emotional and financial reality of repossession, bankruptcy, and recovery. From understanding the warning signs of financial hardship to what happens when your car is repossessed, this candid conversation blends humor, empathy, and hard-won wisdom. Whether you're struggling with debt or simply want to feel more confident about your finances, this episode delivers practical steps, emotional support, and that all-important reminder: you're not alone! If you have any questions for our subject matter experts, send them our way to pennyforyourthoughts@centrisfcu.org. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    51 min

  6. 06/19/2025

    The Power of Yes: Transformative Career Journeys in Finance

    In this inspiring episode of A Penny Or Two For Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Brittany Welch and Jimmy Chavez for a powerful conversation on career pivots, personal growth, and finding purpose in the workplace. From overcoming imposter syndrome to saying “yes” to unexpected opportunities, Brittany shares how she built a successful career at Centris Federal Credit Union without following a traditional path. Meanwhile, Jimmy opens up about his journey from military life to financial services—and why he's now returning to school to pursue a degree in HR. If you're feeling stuck, curious, or ready for change, this episode offers real advice and inspiration you won’t want to miss. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    51 min

  7. 05/15/2025

    Financial Expert Explains Why the 2025 Economy Feels So Uncertain

    In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Dr. Jennifer A. Davidson—Associate Professor of Practice in Economics at the University of Nebraska–Lincoln and President of the Nebraska Council on Economic Education—to unpack the current economic landscape. Dr. Davidson describes the 2025 economy as “depressing,” citing declining GDP, volatile markets, and wavering consumer confidence. Despite the gloom, she offers practical advice on budgeting, saving, and maintaining mental wellness during uncertain times. From grocery hacks and subscription cuts to the “barbell approach” of balancing optimism with preparation, this episode delivers actionable insights for anyone navigating financial stress.   When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.   Visit us at our website: https://www.centrisfcu.org/a-penny-or...      Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY...    Apple Podcasts: https://podcasts.apple.com/us/podcast...       You can listen to the "Econ is Life" podcast on the following platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/econ-is-life/id1790066490 Spotify: https://open.spotify.com/show/5toHYz2k2fAC1ebEAvGpfd Buzzsprout: https://www.buzzsprout.com/2440742/episodes   If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    31 min

  8. 04/03/2025

    Teaching Kids to Budget: The Program Changing Young Lives

    Join hosts Chantel Windeshausen and Liz Malmberg for a powerful new episode of A Penny or Two for Your Thoughts, where they welcome Deb Denbeck, President and CEO of Partnership for Kids, and Dawn Gonzales, Vice President of Community Relations at Centris Federal Credit Union. Together, they explore how financial literacy programs, such as Mad City Money, are transforming young lives and equipping students with lifelong financial skills through hands-on education and mentorship. The conversation covers everything from teaching budgeting and savings to students as young as sixth grade, to success stories of program graduates who have become doctors, lawyers, and community leaders. The episode also introduces Centris’s new Financial Education Center, Enrich — an interactive, personalized tool to support financial wellness for all ages. If you're passionate about empowering youth through education, this is an episode you don’t want to miss. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

    46 min
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5
out of 5
15 Ratings

About

A Penny or Two for Your Thoughts was created by two moms, two marketers, two women new to the financial industry who had a lot of questions. Banking and finances can be emotional and sometimes it's hard to ask questions we think we should know. That is where Chantel and Liz jump in asking all the questions, hoping they can help listeners along their financial journey. The episodes are interview-style with knowledgeable local guests. Each episode carries fantastic subject matter expertise that is easy to understand and relatable; sprinkled in with humor to engage listeners with a smile or a chuckle or two! We also end each episode by asking the guest to leave listeners with a Penny or Two for Their Thoughts which would be the key takeaways they would like the listeners to remember. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel!

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