Clear Money Program

On this program we welcome Get Ahead Colorado to discuss the EITC (Earned Income Tax Credit) and changes to the EITC that will impact tax returns filed in 2019.  Included are an explanation of the EITC, who qualifies, and why people who aren't required to file taxes can qualify for the credit.

On this program we welcome Get Ahead Colorado to discuss the major changes to personal taxes that impact tax returns filed in 2019.  Included are an explanation of how tax credits, deductions, and exemptions work, and the changes that affect them.

On this podcast, Sarae interviews Alan Lang, Denver Community's Accounting Manager to discuss how EMV chip cards work, how they differ from traditional cards, and the enhanced fraud protection they provide.

Sarae interviews Attorney Frank Danzo, an experienced estate planning attorney, from Chayet & Danzo LLC, about trusts.

Sarae is joined by Melissa Duncan, Lead Personal Finance Coach at mpowered, to discuss how Debt Management Plans (DMPs) work.  We'll cover who a Debt Management Plan is a good fit for, how it impacts credit, and how legitimate DMPs differ from services offered by debt consolidation and debt management companies.  You'll also hear real life examples from clients who paid off debt through DMPs.

Description: On this show, we're joined by Carrie Singer from the Denver Office of Economic Development and Jacqui Dietrich from the Commons on Champa.  Learn about the Commons on Champa, an entrepreneurship and innovation hub in Denver.  We'll discuss why the Commons was founded, who it serves, and find out about their ongoing programming, events, and services.

On this episode we're joined by Tracy Shea, an experienced wellness professional currently working as Denver Health's Worksite Well-Being Strategist.  We'll discuss the main links between financial well-being and your overall health, and best practices from Denver Health that have been beneficial for their employees and patients.

On this program we're joined by Katrina Morton, the VP of Lending at Denver Community Credit Union.  Learn why Zillow and Trulia's property values are different from professional appraisals.  We'll also discuss why lenders require professional appraisals for mortgages and refinancing, and how appraisers determine appraisal values.

On this podcast, we're joined by Katrina Morton, the Vice President of Lending at Denver Community Credit Union.  Learn why the free credit scores you receive from credit monitoring services are different from the credit scores lenders use to make lending decisions.

Pull your free credit reports from AnnualCreditReport.com

Our FICO scores are weighed in the following way:

35% Payment History30% Credit Utilization (what percentage of the limit is used on credit cards & lines of credit)15% Length of Credit History10% Amount of New Credit10% Types of Credit In Use (revolving vs. installment loans)

On this program we're joined by Larry Fleury, the Branch Manger of our West branch location.  Learn what credit builder loans are, how they work, and how they can build or rebuild credit.