Golden 1 Credit Union - Financial Wellness: Recent Episodes
Golden 1 Credit Union - Financial Wellness
From small to big purchases, we have the podcasts you need to make your money work for you. For even more financial wellness tools, videos, and webcasts visit www.golden1.com/financialwellness
Spring is the perfect season to start fresh, and that includes your finances! Join us as we dive into refreshing your accounts, decluttering debt, and optimizing your financial tools.
Join us as we sit down with Aniesha Mitchell, VP for Student Affairs at Sacramento State University, about the university's impact on student well-being and the community. Discover the unique challenges students face and the resources available to help them succeed. Don't miss this engaging conversation filled with financial insights and success stories. Be part of the change!
Join us as we talk to fraud expert Ken Nolen about vacation scams, how to identify fake travel websites, the importance of digital safety, and best practices for using taxis and public Wi-Fi.
What's your type? Join us for a conversation with Stephanie Barron Hall, a renowned enneagram expert. Discover how the enneagram reveals the motivations behind our actions. Tune in for insights on self-awareness, growth, and the emotional aspects of money.
Discover how to align your heart and your wallet. In this episode, we explore how your preferred love language shapes your financial decisions. Join us as we delve into Gary Chapman's five love languages and uncover their financial counterparts.
Join us for an inspiring conversation with Christian Gates, better known as the Philharmonik. Discover how this Sacramento musician overcame financial hardship to become the winner of NPR's 2024 Tiny Desk contest.
Join us as we unpack the W-4 form- what it is, why it's important, and how making the right adjustments can boost your financial well-being. Whether you've experienced a major life-change, started a side hustle, or simply want to maximize your take-home pay, this episode has something for you!
Discover how living with financial intention can simplify your money management and help you build a life you love- one intentional choice at a time.
Join us for a discussion where personal finance meets our team's real-life experience! We're delving into the financial adventures, triumphs, and mishaps that have defined our past year. Listen in as we share our top tips and tricks, providing you with the tools to enhance your own financial journey.
In this episode, we explore the rising trend of mini-retirements and gap years. We'll break down the pros and cons of taking a sabbatical before retirement age, how to financially prepare for it, and what to keep in mind to ensure a smooth transition.
How might Federal Reserve rate cuts affect your finances? Tune in as we explore the impact of these rate changes on your wallet. Don't miss out on essential strategies for managing your money in these changing times!
Join us as we address the growing problem of spam calls and share effective tips to protect yourself. Learn how to use features like 'Silence Unknown Callers' and the 'Do Not Call Registry,' and hear personal stories that demonstrate how simple it can be to keep your phone ringing only with the calls that actually matter.
Interested in Buy Now, Pay Later? Join us for a quick dive into what it is, how it works, and why it's becoming a popular choice. Discover the benefits, understand the potential risks, and learn how it can fit into your financial strategy. Tune in for insights that can help you make the most of this flexible payment option!
Feeling overwhelmed by your finances? You're not alone. In this episode, we delve into how to transform your money confusion and frustration into clarity and confidence. Join us as we explore the power financial coaching has to change the trajectory of your financial future.
Receiving financial aid comes with its own set of financial responsibilities. From understanding your aid package and creating a budget to distinguishing between needs and wants and making the most of leftover funds, we've got you covered. Tune in for practical advice and real-life examples that will help you stay on a healthy financial path from day one.
Learn the essentials of building credit. Join us for expert tips and real-life stories, covering everything from getting a secured credit card to mastering good credit habits. Start your journey to credit success with us today!
In this episode, we dive into the growing trend of de-influencing on social media and its impact on financial wellness. Learn what de-influencing is, how it helps consumers make informed decisions, and practical tips to incorporate de-influencing into your financial journey.
Explore how side hustles are reshaping work in today's economy. From inspiring stories to practical tips, we've got everything you need to join the hustle.
From wagging tails to unexpected vet bills, join us as we discuss pet insurance. Learn how it works, what it typically covers, and important factors to consider before investing in the coverage.
Join us for a discussion on essential costs, budgeting tips, and etiquette every bridesmaid and groomsman need to know. From dresses to destination bashes, we've got you covered with expert insights and real-life stories.
Dreaming of your next vacation, but worried about the cost? Join us for budgeting tips, savvy strategies, and expert insights to turn your travel dreams into reality.
2023 Tax season may be over, but it's never too early to start planning for next year. Join us as we break down essential changes for 2024 that may impact your 2025 tax filing.
Financial education is a journey that can guide you toward your goals. Golden 1's Learning Lab is a reliable financial resource hub, ready to accompany you on your way. We'll discuss how to kickstart your personalized journey, explore the invaluable features within the Learning Lab, and take a closer look at the essential tools at your disposal to empower your financial success.
Transform your homeownership dreams into reality by exploring various downpayment and closing cost assistance programs, such as the "WISH" program, "On My Way" closing cost program, and several options from the California Housing Finance Agency. Join us for success stories, tips, and guidance to navigate your path to homeownership with confidence.
Join us on a journey into the realm of big-ticket purchases. Boats, RVs, and vacation homes can offer not just joy but the potential for lasting legacies. We'll explore the financial complexities and long-term implications of these while guiding you in making informed decisions.
This podcast takes you on a journey to explore diverse saving options beyond typical savings accounts. In this episode, we delve into the world of high yield saving accounts, share certificates, and financial institution offered individual retirement accounts (IRAs), providing insights on selecting the perfect savings vehicle to achieve your financial inspirations.
Learn the importance of early filing, maximizing deductions, and explore key tax credits. Whether you prefer the DIY approach or seek professional guidance, we're here to offer valuable resources and tips to streamline your tax filing.
In this episode, we offer strategies to cleanse your financial slate and pave the way to debt-free living by uncovering root causes of debt and learning actionable steps for sustainable well-being.
In this episode, we discuss the power of quarterly resolutions and how breaking down your financial goals can lead to success. Whether it's saving for retirement, paying off debt, or simply reviewing your financial habits, we've got practical tips to keep you on track in the new year.
Join us as we discuss 10 essential steps to close out the new year with a bang and pave the way for a successful year ahead. From reviewing your tax withholdings with a professional to calculating your net worth, we'll cover everything you need to know to end the year on a high note.
In an increasingly connected world, the need for robust cybersecurity practices has never been more important. Join us as we discuss practical, up-to-date cybersecurity tips and best practices. Don't miss this opportunity to fortify your digital defenses and stay one step ahead of cyber threats.
Experience the thrill of conquering spooky financial challenges this Halloween. We'll delve into financial topics that people often find scary. In this conversation, we'll impart valuable insights on facing these financial fears head on. Join us on this journey to transform uneasiness into empowerment, one step at a time.
Discover why estate planning is relevant to individuals of all ages and financial backgrounds and learn how it can ensure your wishes are carried out, provide for your loved ones, and minimize confusion or disputes. Join us as we discuss wills, gain a deeper understanding of trusts, and explore the different types of power of attorney and their purposes in managing your financial, legal, and healthcare matters.
Discover how money moves, from exchanging cash to digital transfers, and explore the evolution of money movement over time. Gain insights into the benefits and considerations of different payment methods, such as cash transactions, checks, debit cards, online payment systems, and peer-to-peer money movement services like Zelle.
Join us as we demystify the complexities of 401(k) plans and provide knowledgeable guidance to help you make the most of your retirement contributions. We'll cover the ins and outs of 401(k) plans, discuss contributions, and learn about navigating investment options. Whether you're just starting your career or nearing retirement age, this podcast is an essential resource to pursue a golden retirement.
Discover how to make the most of your rental experience while keeping your finances in check. From setting a budget and researching the rental market to understanding lease agreements and protecting your belongings with renter's insurance. Tune in for expert tips and valuable insights to become a savvy renter.
Join us as we discuss valuable college finance tips, explore smart spending habits, and unveil hidden resources that will empower your financial well-being. From effective saving strategies and setting up bank accounts to stretching your funds and building credit, we've got all the insights you need. Tune in and take control of your financial future today!
In this episode, we explore how addressing money fears can help us gain control over our money. Through inspiring stories, we demystify the world of money and discuss the power of learning financial concepts. By taking baby steps and finding balance, we can create a healthier relationship with money and achieve financial empowerment. Join us as we navigate the path to financial peace of mind.
It's time to say goodbye to financial stress and hello to financial freedom! Join us for an inspiring episode where we share tips and insights on how to attain financial freedom through practical steps and a positive money mindset.
Get ready to have a blast this summer without breaking the bank! While we all love soaking up the sun and making unforgettable memories, expenses can pile up fast. Join us as we share some savvy tips to help you save money on everyday summer activities, so you can make your summer budget last.
Artificial Intelligence has revolutionized numerous industries, providing innovative solutions that enhance efficiency and productivity. However, with the increasing use of this technology, scammers have also found ways to exploit it. In this discussion, we will explore various strategies to safeguard against these scams, empowering you to make informed decisions and take appropriate action if necessary.
In this episode, our hosts dive into the world of 529 plans and how they can help you save for your child's educational expenses. With rising college costs, planning is more important than ever and the power of compound interest can help you reach your college saving goals. So, join us and add another tool to your financial journey.
Teaching kids about earning money, prioritizing spending, and making responsible choices helps set them up for financial success. Join us as we explore the benefits of early financial education and share tips and best practices.
Teaching children the importance of saving money is a valuable life lesson that can help them through adulthood. Join us as we discuss ways to instill these healthy habits to our children for a successful future.
Financial education is a powerful tool that can help individuals manage their money effectively and achieve their goals. Join us as we explore the benefits of financial literacy in communities and the ways in which financial education outreach can empower individuals to make informed decisions and improve their overall financial well-being.
Are you thinking of taking the next step in your homeownership journey? The current housing market is seeing significant changes, leaving many prospective buyers wondering how to proceed on their path to homeownership. Join us as we weigh the pros and cons of buying a home in 2023 and learn how to make your dreams of owning a home a reality!
Join us as we sit down with Javier Rolon, Manager of Golden 1's Home Loans Production team to discuss the unique benefits and services available at Golden 1 Credit Union to purchase your home.
When it comes to personal finance, I think we can all agree it's important to save. We all have different life goals and timelines. Join us as we discuss with a financial advisor how the 50/30/20 Budgeting Rule helps us build our savings throughout our lives.
Money comes with emotions and is often tied to goals and expectations we have for ourselves and our loved ones. Join us as we uncover ways to discuss money in our relationships.
Join us as we discuss how remembering our "why", recalibrating our SMART goals, and creating a new plan can help us get back on track with our New Year's resolutions.
Join us as we discuss New Year's resolutions- how to prepare for them, how to make them, and how to keep them!
Cyber fraud is on the rise and criminals are experts at exploiting the busyness of the season to catch us off guard. Join us as we explore ways to stay safe on public Wi-Fi and a few tips on how to identify fraudulent e-mails and phone calls.
Join us as we discuss how practicing gratitude, weighing out needs versus wants, and keeping in mind our “why” can significantly impact our finances and overall well-being.
Navigating student aid can be daunting- especially if you're applying for the first time. Join us to learn about deadlines, applications, common errors, and how to maximize the student aid that may be available to you.
In this podcast we sit down with Jimmy Chu from Golden 1's Insurance Service's team to discuss Golden 1's partnership with eHealth. Join us as we navigate the complexities of Medicare to help ensure you are empowered to select the coverage that best fits your needs.
Stretching your dollars around the holidays is going to take a little more effort this year. Join us for some tips and tricks on how to make your holiday budget go further. You'll also learn how to get a head start on saving for next year's holiday season.
Debt can quickly and quietly pile up. If you're burdened by credit cards, personal loans, or a big ticket item you bought on a payment plan, consider debt consolidation. We'll explain how and why consolidating debt into just one can: reduce stress, raise your credit score, and get you on track to becoming debt-free.
A Home Equity Line of Credit (HELOC) is a versatile home loan that allows homeowners to access the value (equity) in their homes. We'll explore how HELOC's work and how they can be used to pay for big goals- home improvements, college, weddings, paying off debts. HELOCs usually feature flexible payment options, too. Take a listen.
Shopping for your first credit card? Or looking to upgrade to more features and benefits? We can help you cut through the clutter. Learn why secured credit cards make sense for students and rebuilding credit. We'll also talk about rewards cards, tips for safely managing your credit card, and the value of a strong credit profile.
Our economy is recovering from the pandemic, and people are getting back to work. Today, an employer's benefits and culture are more valued than ever, which makes Golden 1 a highly desirable place to work. We'll discuss what makes Golden 1 a great career choice and why you should join us!
The homebuying process can be complex. We unpack the process and provide some tips to help you purchase your new home.
What’s the best way to meet your savings goals? We tapped into our most valuable resource, our Golden 1 experts, to get advice on how to save successfully, choose the best savings products for your situation, and make the most of your money.
Credit Unions, while very similar to banks as far as product offerings go, are actually very different when it comes to prioritizing people over profit. Credit Unions are non-profit member owned organizations that can reward members with lower rates on loans and higher rates, or dividends, on savings products.
Local real estate expert and blogger, Ryan Lundquist, is interviewed to breakdown the Sacramento housing market. He discusses how the current housing market compares to historical housing markets, defines and explains some commonly used terminology, summarizes the housing market activity over the past 16 months (including pre-pandemic, pandemic, and current), and much more.
Summer is almost here, but it can bring with it some big expenses! Learn how to save money throughout the year so you can buy your dream car or RV or take a much-needed summer vacation!
Credit. A word with many, many meanings. We break it down and explain what it is, why you need it, and how you can improve it.
We sit down with Jason Crowell, an LPL Financial Advisor from Investment Services at Golden 1 Credit Union. We talk about how the CARES Act affects your taxes, how much you can contribute to your Traditional IRA, and what you can look forward to in 2021.
Valentine's Day is almost here! Don't worry, we are here to help you make this year one that you and your loved one will never forget.
Let's face it, we all spend more money than we should during the holiday season. However, just because you're spending money doesn't mean you have to spend it shopping at a big corporate store. Learn all about how you can help support local business and prop up your local economy.
Celebrate International Credit Union Day with us! We chat with Erica Taylor, Vice President of Communication and Community Relations at Golden 1 Credit Union and learn about the history of credit unions, what makes credit unions unique, and what we do to enhance the financial wellbeing of the communities we serve.
Budgeting during college isn't easy. It can be hard to be a full-time student and work a part-time job so that you can buy the things you need. We've got some helpful hints that will help keep your bank account in the black for the entire school year.
Teaching and learning financial education at home can be difficult. This book makes it easier! Martin and Rebecca discuss Finance 101 for Kids by Walter Andal and talk about ways you can use this book at home to teach your children, and maybe yourself, more about the importance of finances. Listen for the Golden Word at the end to enter our Back to School 2020 contest!
It feels like everything changes day by day. One moment we are going out to get coffee and the next moment we are sheltering in place. We are here to help you get some focus and clarity with your finances, even when everything around you is uncertain.
Manny and Karla both bought cars recently. Karla bought a new car, and Manny bought a used car. In this podcast they discuss the pros and cons of buying new or used, and what you should look out for while car shopping in this day and age.
Ali Nassirian is the Senior Manager of Home Loan Production at Golden 1 Credit Union. In this podcast we sit down with him to talk about the current home buying market, how home loans work, and much more.
This podcast was recorded during a live webcast that took place on June 24, 2020.
Golden 1 Credit Union has partnered with Savvy Money to give you quick, easy, and secure access to your credit score and history right from your Golden 1 online portal or the Golden 1 mobile app.
Navigating family finances can be difficult enough, but navigating them during a pandemic is on a whole new level. Martin sits down with Rebecca, a mother of three, and Manuel, a new father of one, to talk about how they manage to make their finances work, even during these uncertain times.
In this podcast we interview Karla, a recent graduate, and full-time employee. We discuss how to create a spending plan that will help you get through college without racking up credit card debt, where to go for help if you need it, and why time management may be the key to happiness in college.
Martin sits down with Brett Harner, a registered representative with LPL Financial and the Investment Services Production Manager at Golden 1 Credit Union. They discuss the state of the markets, the history of recessions, and what you should be looking for in your investment portfolio for both the long and short term.
It isn't always convenient to go to your local Golden 1 branch. At times like these it's important to stay home, and stay safe. Luckily you can do nearly everything that you can do in a branch right from your internet enabled mobile device! This podcast will discuss the various options available to you through your financial institution's mobile or online banking.
The Sandwich Generation is positioned in the middle. They care for aging parents while supporting their own children. On this podcast, participants will learn how to manage their parents’ medical, legal and financial needs, while ensuring they stay financially prepared for their kids’ future.
We all measure financial success differently, but all paths to get there require discipline and goals. This podcast teaches participants ways to financial control—including developing a spending plan, creating objectives, weighing insurance needs, and other tools that will help get on the road to personal financial success.
Retirement can be a great time for seniors if they are prepared financially. You will learn about specific retirement concerns such as managing money, Medicare, Social Security, improving cash flow, insurance, investing, estate planning, and more.
How do you best manage money? One word: budget. It's the most powerful tool to a more secure future. Discover how to set short- and long-term goals, create realistic spending and savings plans to reach those objectives, and understand how to get out of debt (and stay that way).
Saving money is much easier with a goal in mind. This workshop shows you how to choose the right goals for you, and overcome barriers to achieving them.
Technology has made managing your money much more convenient. Whether it’s opening and managing accounts, transferring money or bill pay, you’ll learn the fundamentals of electronic banking.
A New Year can bring lots of new and exciting opportunities, but it can also bring some new financial challenges. Martin and Rebecca discuss some simple things you can do to get your finances in order to start the New Year off on a solid financial foundation.
The whole idea behind saving with purpose is that you put some intention into your money. Instead of spending it on whatever and whenever you want, you save it for the things that really matter. These things are called savings goals because you don’t have the money for them today. You have to work to achieve them. But like any other kind of goal, the work is worth it.
When it comes to planning for your future, there’s nothing more crucial than money management. To help you start managing your money the smart way, we’re going to discuss five important topics in this podcast: setting goals, getting organized, cutting spending waste, building a budget and saving money.
It's that time of year again. Time for retailers to do whatever they can to get our hard earned money. Golden 1 Credit Union is here to help you be safe and savvy!
There are many things in life that can derail even the best money management plans. When a crisis happens most people take things day by day just hoping to get by. When the dust settles, they’re often left with a financial situation that is less than rosy. There are no savings to speak of. Their credit is shot, and there’s debt that needs to be paid. However with hard work and dedication, a healthy financial future is possible.
Identity theft refers to the theft of your personal or financial information. That info is then used to assume your identity in order to make purchases or borrow money. It can happen in several different ways. Your credit card number may be used to buy things you never authorized, or maybe an account was opened in your name to facilitate illegal activity. But no matter how it goes down, the result is usually the same for you: frustration, fear and anxiety... not fun.
Identity theft occurs when someone uses your name, social security number, credit card number or other identifying data to commit fraud or other crimes.
Definition: A financial establishment that offers checking accounts, savings accounts, credit cards, and loans, both home and auto, and invests deposited money, and pays it out when required?
Answer: A bank? A Credit Union? Both?
In this podcast, Martin and Rebecca explore what makes banks and credit unions different, and what makes them the same.
Broadly defined, financial elder abuse is when someone illegally or improperly uses a vulnerable senior's money or other property.
According to an extensive 2012 study by the Government Accountability Office, as many as 1 in 20 adults over the age of 60 have experienced, or are currently experiencing financial abuse or fraud. Financial abuse is, by far, the most common form of elder abuse in the United States.
In this episode, Martin and Rebecca discuss what constitutes elder fraud, how can you and your loved ones avoid becoming a victim, and what steps you can take if you or someone you know has already been scammed.
To help you better understand the world of credit, we’re going to discuss five important topics in this podcast: credit reporting agencies, what’s in your credit report, understanding credit score.
In this episode we’re going to explore a topic on the minds of many homeowners: home equity. Specifically, should you use it to free up extra cash?
If you’re intimidated by the prospect of paying back a student loan, you’re not alone. After all, student loan debt can be fairly large, and the monthly payments can take up a big chunk of your income. However, being educated about student loans and your options can make it easier to repay them.
Social fraud happens all the time. Usually, we aren’t aware that we are being tricked and so we willingly give up our information because these fraudsters are so good at making their scam seem like it is a real, quick, and easy way to earn a few extra dollars. Sometimes people engage in fraud without realizing they are actively participating in it. The Better Business Bureau reports that in 2018 alone they received 50,559 scam reports. That’s up from 47,827 in 2017. We are not getting more gullible, the fraudsters are getting smarter.
In this episode, we break down the differences between the two major types of consumer loans: secured and unsecured. What they are, how they work, and whether or not they’re right for you – we’ll cover it all!
If you’ve ever questioned how you’re going to afford retirement, you’ve come to the right place! This episode is all about overcoming the challenges to planning your long-term financial future.
If you’re intimidated by the prospect of paying back a student loan, you’re not alone. After all, student loan debt can be fairly large, and the monthly payments can take up a big chunk of your income. However, being educated about student loans and your options can make it easier to repay them.
What is an IRA? What is a Roth IRA? How much can you save each year? We break down everything you need to know about saving for your retirement.
Prepare for higher education by learning about student loans and basic money management.
While shopping for a car is often exciting, it can also be complicated and time-consuming. First, it involves balancing the desire to buy your dream car with the reality of your financial situation. Then, you must decide whether to buy or lease, and learn as much about your car as possible to help you get the best deal available. This podcast will cover the basic information you need to make smart car buying decisions. To help you learn more, we’re going to cover five important topics; understanding your financial situation, whether to buy new, used or lease credit and financing, how to get the best deal and finally leasing and lending laws.
In this age of digital banking, it’s easy to take security
issues for granted. Whether it’s accessing your accounts through
a website or making transactions with your phone, it all happens
so effortlessly. We assume that our money is secure – and it is.
Financial institutions in particular take your online security
very seriously. However, that doesn’t prevent thieves from
trying to steal your money.
Whether you have a history of overdraft or non-sufficient funds charges or you just want to know how to best manage your first checking account, we will give you the tools and information needed to become and remain a successful checking account holder. You will learn key components of wise checking account management, including:
• Checking Account Fundamentals
• Deposits
• Withdrawals
• Keeping Your Account in Good Standing
• Protecting Your Account