Libsyn Directory

Breaking the Cycles of Debt Through Financial Fitness

Release Date: 07/12/2021

Financing Any Student’s Educational Future: FAFSA Tips with Ruben Reyes, New Mexico Educational Assistance Foundation

Financial Tea in the Morning

Ready for back to school? Whether you’ve got a college freshman about to spread their wings or a high school graduate intent on certification in a skilled trade, the bill for whatever comes next will arrive sooner than you think. Hosts Andrea Klunder and Josh Stringer close out the season with financial aid tips plus plenty of resources to help anyone navigating life and debt after high school––with Ruben Reyes, New Mexico Educational Assistance Foundation (NMEAF), a provider of New Mexico student loans. Want to know the best time to apply for post-secondary education funding options?...

Your Most Profitable Day: Business Financial Services with Kevin Southwick and Linda Rodriguez Brandt

Financial Tea in the Morning

Del Norte Credit Union has helped people achieve their personal financial goals for over 65 years. Now, DNCU is applying that same fiscal know-how to small business banking. Hosts Andrea Klunder and Josh Stringer introduce folks to DNCU’s brand new small business department with its enhanced menu of services, including loans, remote deposit, payroll services plus business checking and savings options that cater to your needs––with Del Norte Credit Union’s Kevin Southwick, Chief Member Business Officer, and Linda Rodriguez Brandt, Business Services Development Officer. While DNCU’s...

Put Your Money to Work for You, Investing for All Budgets with Scott Covey and Cynthia Frederick, Del Norte Investment Services

Financial Tea in the Morning

What is it about investing that holds folks back from growing their money? Fear. The market’s rollercoaster-like peaks and drops keep folks from realizing financial goals like saving for a stress-free retirement or funding higher education. But investing doesn’t have to feel like a crazy carnival ride. As hosts Andrea Klunder and Josh Stringer discover, there’s a strategy for every investment personality, from risk-averse to more tolerant. A trusted financial adviser can help you pick the right financial product and keep you on track through the fluctuations––with Scott...

Scammers Beware! Fraud Protection and Prevention Strategies with Judah Montano

Financial Tea in the Morning

There’s nothing better than settling in with a bowl of popcorn and a scandalous tale of deceit. When viewed from a safe distance, it's difficult to imagine ever falling prey to those outrageous financial scams. But what happens when the drama hits close to home? Hosts Andrea Klunder and Josh Stringer learn that shame-free discussions coupled with innovative safety measures can prevent real-life swindlers from taking advantage of you and the ones you love––with Judah Montano, Fraud Prevention Manager, Del Norte Credit Union. Money is an emotional matter, so it makes sense that...

Fostering a Vibrant Financial Future with Connie Tooker Nuñez, Del Norte LOV Foundation

Financial Tea in the Morning

Happy Financial Literacy Month! Hosts Andrea Klunder and Josh Stringer celebrate by introducing folks to Del Norte LOV Foundation, the independent charitable organization associated with Del Norte Credit Union. What does philanthropic giving have to do with personal finance? As LOV Foundation Director Connie Tooker Nuñez explains, the funding it provides directly impacts the lives of youth and families within the DNCU community, fostering a vibrant financial future for all. “This region,” says Connie, “is beautiful and rich in diversity and culture. However,...

Financial Spring Cleaning: Securing your mortgage or home equity line of credit

Financial Tea in the Morning

Home is more than walls and a roof; it’s where we create memories and plan for the future. Home is also a major source of collateral that can be tapped to meet long-term financial goals or cover life’s unexpected expenses. Financial Tea in the Morning is back with a new season, new hosts, and spring cleaning tips to refresh your money mindset. Where better to start than at home? Hosts Andrea Klunder and Josh Stringer discover strategies for turning one of life’s biggest investments into instant cash. They also learn how credit unions ensure that members get the best fiscal fit––with...

Season 2 - Your Next Smart Money Move

Financial Tea in the Morning

Welcome back to Financial Tea in the Morning brought to you by Del Norte Credit Union. Grab your favorite cup and join your new host Josh Stringer, and co-host Andrea Klunder, as we spill the tea with trusted insights and honest advice for real life situations. We know you're balancing a lot these days. So we're here to help we'll guide you through your financial challenges, whether it be finishing that next home improvement project or keeping friends and families safe from scammers. You'll up your financial game for your whole family. Get your tea ready! Visit us at *** Financial...

The Future of Credit Unions Post-Pandemic

Financial Tea in the Morning

What will banking and belonging look like in a post-pandemic world? That’s the question Diego posed to all of his guests for this season’s finale. Their answers remind us that through it all, credit unions remain powered by the people they serve. Remember the before-times? If you’re a credit union member or employee, your banking experience probably looked, sounded, and even smelled a bit different than it does now. From the friendly faces that greeted you by name to that cup of coffee (or tea) always at the ready, visits to a brick-and-mortar location never failed to amplify the credit...

Mission, Vision, Values: Making an Impact with a Credit Union Career

Financial Tea in the Morning

Belonging cuts both ways with credit unions. In addition to the personalized financial expertise that members receive, credit unions also offer meaningful career opportunities and advancement to their employees. Diego and his guests explore the personal and professional impact that credit unions can have, especially in communities of color - with Juan Fernández Ceballos, president and CEO, Credit Union Association of New Mexico; Deb Salazar, chief experience officer, Del Norte Credit Union; and Chris Murrin, sales experience support manager, GTE Financial. Credit unions aren’t...

Breaking the Cycles of Debt Through Financial Fitness

Financial Tea in the Morning

For better or worse, our views and habits about money are shaped by the environments in which we grew up. If the adults around us struggled to maintain solid financial footings, we might inadvertently repeat their cycles of debt. Credit unions offer folks safe, shame-free spaces where they can strengthen their financial fitness. Diego and his guests explore the transformative power of member-focused fiscal education - with Tanya Valdez, Santa Fe registered nurse & DNCU member; Juan Fernández Ceballos, president and CEO, Credit Union Association of New Mexico; James Robert Lay,...

More Episodes

Diego and his guests explore the transformative power of member-focused fiscal education - with Tanya Valdez, Santa Fe registered nurse & DNCU member; Juan Fernández Ceballos, president and CEO, Credit Union Association of New Mexico; James Robert Lay, best-selling author and founder & CEO, Digital Growth Institute; Deb Salazar, chief experience officer, Del Norte Credit Union; and Kristin Harrison, director of business development, WebStrategies, Inc.

At a time when very little is taboo in conversation, the topic of personal finances still makes people more uncomfortable than s-e-x. That’s too bad because money always matters: where it comes from, what you do with it, and yes, how you talk about it.

“Financial literacy alone, as a standalone, does more harm than good because it creates a pseudo sense of confidence,” says James Robert. “But when you layer that education on top of advisory, what I would call coaching, now we're looking at financial health.” Credit unions are partners in their members’ fiscal well-being. Like gyms, credit unions offer support through various tools, programs, and options designed to strengthen core money muscles.

When you’re in top-notch fiscal health, those around you are more likely to learn from the example you’ve set. Still, long-held shame around one’s ability to manage money can often prevent a person from seeking comprehensive, compassionate assistance. Credit unions don’t play the blame game or pressure members into unfit options. They put members on a path towards their goals or point them in the direction of someone who can help them now. “I often tell people that money is money,” Juan says. “Either you have a plan for money, or money has a plan for you. And, when money has a plan for you, it's not a good plan.”

Credit unions foster relationship-focused conversations in which money matters are no longer taboo. Hey, financial fitness may not be the sexiest topic, but, as Juan explains, “It's a topic that can really change your life.”

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Financial Tea Hot Sip: Next time you're thinking about making a big purchase, use a financial calculator. You can look at how much interest you'll pay per month. Sometimes institutions offer better rates if you choose a shorter term, but that may mean a higher monthly payment. Knowing this information upfront is crucial, saving you time and money.