Financial Tea in the Morning

By: Del Norte Credit Union
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  • Summary

  • Grab your favorite cup and join us as we spill the tea on your next smart money moves! Think of the show as an easy addition to your morning routine. While you’re enjoying your first sips in the morning, or brushing your teeth, or on your way to work, we'll demystify money to help you and your family reach your goals. Stick around to the end of each episode for your Financial Tea “Hot Sip”, one actionable takeaway that you can use today to up your financial game. Get your tea ready...
    2022, Del Norte Credit Union.
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Economics Personal Finance Personal Success
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Episodes
  • Financing Any Student’s Educational Future: FAFSA Tips with Ruben Reyes, New Mexico Educational Assistance Foundation

    Financing Any Student’s Educational Future: FAFSA Tips with Ruben Reyes, New Mexico Educational Assistance Foundation
    Jun 15 2022
    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? “As soon as you can,” advises Ruben. With most financial aid awarded on a first-come, first-served basis, your chances of securing more money increase when you apply early. And often. Many folks don’t realize they can apply for financial aid each year that a student attends college or trade school.  But where to begin?  Regardless of your graduate’s plans or your family’s financial status, the Free Application for Federal Student Aid (FAFSA®) form is the place to start. FAFSA data is critical to determining federal aid eligibility, including grants that recipients aren’t required to pay back.  The FAFSA is easy to navigate and includes the most current information on application deadlines for each state, award amounts, and eligibility assistance. Still, some opt-out of the FAFSA because they don’t think their need is great enough. Ruben urges them to reconsider. “I always say just do it because you never know.” For those needing additional guidance, the NMEAF has many recommendations for funding their educational future, including Money Mondays, the Q & A session for all things FAFSA.  Ruben also suggests contacting the financial aid offices of your short-listed universities or schools to learn about funding options like merit-based scholarships and local monetary awards. Del Norte Credit Union, for example, offers DNCU account holders access to its scholarship program through the Del Norte LOV Foundation. Don’t let financial aid go unclaimed. There’s a funding path for every educational endeavor and economic status. All you have to do is ask. “I see a lot of good things coming,” says Ruben, “and it's because of these new students that are coming into our world now.” Financial Tea Hot Sip: Fill out that FAFSA! It’s the quickest, easiest way to assess your eligibility for grants, scholarships, loans, and work-study opportunities. For those with more lead time, open a 529 savings plan for your student today. And for everyone with a student in their life, never miss an opportunity to let them know how special they are and how proud you are of them.  RESOURCES MENTIONED Free Application for Federal Student Aid (FAFSA) Del Norte LOV Foundation New Mexico Higher Education Department - 1-800-279-9777  New Mexico Educational Assistance Foundation (NMEAF) The University of New Mexico The Surrender Experiment - by Michael A. Singer FTM0202: Fostering a Vibrant Financial Future with Connie Tooker Nuñez, Del Norte LOV Foundation FTM0204: Put Your Money to Work for You, Investing for All Budgets with Scott Covey and Cynthia Frederick, Del Norte Investment Services FEATURED GUEST Ruben Reyes New Mexico Educational Assistance Foundation (NMEAF) Provider of New Mexico Student Loans Learn more and send your feedback and questions at: http://www.financialteainthemorning.com *** Financial Tea in the Morning is brought to you by Del Norte Credit Union. Produced and Edited by Andrea Klunder at The Creative Impostor Studios Technical Director: Edwin R. Ruiz Recording Engineer: Kabby at Kabby Sound Studios in Santa Fe Hosted by Josh Stringer & Andrea Klunder Theme music by Ricardo Lambert Logo design by Charlie Gonzalez at Axess Multimedia Disclosures  Del Norte Credit Union is Federally insured by NCUA and is an Equal Housing Opportunity Lender, NMLS ID 500583. Content in this episode is for entertainment purposes only and not financial advice. 
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    33 mins
  • Your Most Profitable Day: Business Financial Services with Kevin Southwick and Linda Rodriguez Brandt

    Your Most Profitable Day: Business Financial Services with Kevin Southwick and Linda Rodriguez Brandt
    Jun 1 2022
    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 small business services focus on micro-to-medium businesses, the enthusiasm from two of its leading representatives is super-sized. “We are really excited to have this new department at our institution,” says Kevin. “We focus on the community. That's where our heart is; that's where our passion is.” 

    What better way to share that passion with surrounding communities than by providing additional opportunities for financial success? “We want to see people happy in the flourishing and comfortable, economically, and we think the key to that is to advocate and hold up the small businesses that are really the heartbeat of Santa Fe.”

    Linda shares Kevin’s commitment to local entrepreneurs and small business owners. “I want to help give them the tools and the resources and information they need or want to succeed and grow their business in the community and flourish so their life is the best that it can be.” She understands that the financial aspects of turning a dream into reality can feel intimidating, not to mention isolating. DNCU’s business services offer practical solutions to minimize challenges, maximize potential, and build lasting relationships so you never have to go it alone.

    Now’s the time to get down to (small) business. Del Norte Credit Union is the perfect partner.

    Financial Tea Hot Sip: Ready to talk to a credit union about your small business? Kevin recommends not getting caught up in dollars and cents. Instead, paint a clear, passionate picture of your goal. A business services representative can help you color in the financial specifics. Not sure if your dream will translate into reality? Linda advises folks to create an action plan by capturing ideas all in one place––on paper or with a favorite notes app.

    FEATURED GUESTS

    Kevin Southwick

    Chief Member Business Officer

    Del Norte Credit Union

    Linda Rodriguez Brandt

    Business Services Development Officer

    Del Norte Credit Union

    Learn more and send your feedback and questions at: http://www.financialteainthemorning.com

    ***

    Financial Tea in the Morning is brought to you by Del Norte Credit Union.

    Produced and Edited by Andrea Klunder at The Creative Impostor Studios

    Technical Director: Edwin R. Ruiz

    Recording Engineer: Kabby at Kabby Sound Studios in Santa Fe

    Hosted by Josh Stringer & Andrea Klunder

    Theme music by Ricardo Lambert

    Logo design by Charlie Gonzalez at Axess Multimedia

    Disclosures 

    Del Norte Credit Union is Federally insured by NCUA and is an Equal Housing Opportunity Lender, NMLS ID 500583. Content in this episode is for entertainment purposes only and not financial advice. 
    Show More Show Less
    32 mins
  • Put Your Money to Work for You, Investing for All Budgets with Scott Covey and Cynthia Frederick, Del Norte Investment Services

    Put Your Money to Work for You, Investing for All Budgets with Scott Covey and Cynthia Frederick, Del Norte Investment Services
    May 18 2022

    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 Covey, Financial Advisor, Del Norte Investment Services, and Cynthia Frederick, Service Coordinator, Del Norte Credit Union. 

    Many folks shy away from investing because they think the cost of entry is too prohibitive and the toll on their sanity too great. Not so! DNCU members can opt for guaranteed no-risk accounts and start with as little as $1000. 

    As for less queasy investors, Scott cautions against them going it alone via highly volatile trading platforms. “That should not and just can't be the long-term overall strategy for investments,” he says, especially if your goal is retirement. “You have to have a better long-term outlook.” Clients can count on Del Norte Investment Services to connect them to age-appropriate advice and steady, rather than flashy, opportunities for financial growth.

    Financial Tea Hot Sip: Don’t trust your financial future to friendly suggestions! Consult with the pros (Scott and Cynthia) at Del Norte Investment Services or contact your local credit union to find out what programs and services they can offer. Your team of financial professionals can provide you with reliable strategies to help you reach your goals without worry. 

    FEATURED GUESTS

    Scott Covey

    Financial Advisor

    Del Norte Investment Services

    Cynthia Frederick

    Service Coordinator

    Del Norte Credit Union

    Learn more and send your feedback and questions at: http://www.financialteainthemorning.com

    ***

    Financial Tea in the Morning is brought to you by Del Norte Credit Union.

    Produced and Edited by Andrea Klunder at The Creative Impostor Studios

    Technical Director: Edwin R. Ruiz

    Recording Engineer: Kabby at Kabby Sound Studios in Santa Fe

    Hosted by Josh Stringer & Andrea Klunder

    Theme music by Ricardo Lambert

    Logo design by Charlie Gonzalez at Axess Multimedia

    Disclosures 

    Del Norte Credit Union is Federally insured by NCUA and is an Equal Housing Opportunity Lender, NMLS ID 500583. Content in this episode is for entertainment purposes only and not financial advice. 
    Show More Show Less
    34 mins

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