Money Matters

In this engaging episode, we delve into the inspiring journey of Caroline Merryman, the creative force behind Caroline's Cookies. What began as a delightful pastime during the pandemic has flourished into a successful cookie business with multiple locations, capturing the hearts of cookie lovers everywhere. Caroline shares how she transformed her passion for baking into a bustling brand, navigating the challenges of entrepreneurship with innovation and creativity.

From her initial cookie deliveries to friends during lockdown to launching her storefront, Caroline's story is a testament to resilience and adaptability. Listeners will gain valuable insights into building a brand, managing growth, and maintaining a passion for one's craft. Additionally, Caroline discusses her evolving cookie flavors, each inspired by her culinary creativity and the support of her community.

Discover the joys and realities of entrepreneurship in the food industry as Caroline offers practical advice for aspiring bakers and business owners alike. If you’ve ever dreamed of turning a hobby into a thriving business, this episode is a must-listen! Join us, and don’t forget to check out Caroline’s Cookies for a taste of her delightful creations. Please share your thoughts with us and remember to subscribe for more inspiring stories!

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Uncover the evolving world of financial scams in 2025 with insights from financial crimes expert Sergeant Brian Lashua. As we navigate the intricate web of scams, you’ll learn how AI plays a pivotal role in these fraudulent activities and why the infamous gift card scam remains a favorite among fraudsters. Discover which groups are most at risk and why no legitimate business ever demands gift cards as payment. With the holiday season and natural disasters often triggering spikes in certain scams, vigilance and quick action become your best defenses.

Our conversation takes a heartfelt turn as we focus on protecting our senior citizens from financial fraud. Discover practical ways families can shield their elderly loved ones from scams like romance fraud. Explore the dynamic partnerships between law enforcement and financial institutions that work tirelessly to combat these crimes and recover lost funds. We shed light on the vulnerabilities inherent in traditional banking practices, such as check writing, and advocate for secure online transactions to thwart mail theft and fraud.

When financial crime strikes, knowing what to do can make all the difference. We guide you through the critical steps for reporting incidents and discuss the emotional complexities that emerge when family members are involved. From safeguarding personal information to ensuring caregivers are trustworthy, we cover all bases. Moreover, we emphasize building a robust financial foundation with simple security practices like strong passwords and regular account monitoring. Equip yourself with the knowledge to protect your financial future and stay one step ahead of scammers.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Unlock the secrets to financial empowerment and take control of your future with insights from Jason Knapps, a seasoned LPL financial advisor. We promise you'll learn how personalized financial planning can bolster your confidence and help you realize your dreams. Jason takes us through his journey from Hibernia Bank to becoming a wealth management expert, sharing valuable strategies for assessing your financial profile, including income, spending habits, and risk tolerance. Dive into the practical steps that can transform your approach to financial success and prepare you for a prosperous future.

Our conversation progresses to the critical aspects of debt management and retirement planning. Understand why tackling high-interest credit card debt is a priority before making investment moves. We offer practical advice for those new to the workforce, highlighting the importance of enrolling in a 401k and setting realistic retirement goals. With the compounding power of time in your arsenal, create a solid financial foundation that empowers you beyond relying solely on social security. Discover how early financial literacy and long-term planning can set you on the path to a secure financial future.

Choosing the right financial advisor can significantly impact your financial journey. We guide you through evaluating potential advisors, emphasizing the need for trust and relatability. Explore different communication options with Neighbors Wealth Management that accommodate your busy schedule, whether through virtual, phone, or in-person meetings. Our goal is to empower you with the knowledge and resources needed to achieve financial independence and a healthy retirement. With Jason's expert guidance, take the necessary steps today to ensure a comfortable and well-planned financial future.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Elevate your financial game in 2025 with actionable insights on credit health improvement. Join me, Kim Chapman, alongside Tricia Arroyo from Confluent Strategies, as we unlock the secrets to mastering your credit score. From understanding why January is the perfect month to reassess your financial goals to deciphering the mysteries behind credit score variations among different bureaus, this episode is packed with strategies that will set you on the path to financial empowerment.

Curious about how to build and maintain a robust credit foundation? Learn the essential habits such as timely bill payments and managing credit utilization effectively. Tricia and I shed light on the intricacies of credit reports, and delve into navigating credit disputes without the need for costly credit clinics. We also tackle common misconceptions about credit scores, such as the myth of needing a perfect score, and highlight the significance of alternative data like rent payments in evaluating creditworthiness.

And it doesn't stop there. We dive into how life events, including natural disasters, impact your credit report and provide tips on minimizing the effects of credit inquiries. Whether you're planning a big purchase or simply want to ensure financial stability, our conversation equips you with the knowledge and steps to take charge of your financial future. Tune in to chart a course towards achieving your credit-related goals and set a strong financial foundation for the year ahead.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Uncover the secrets to a scam-free holiday season with insights from Carmen Million of the Better Business Bureau. As scammers grow more cunning, especially during the holidays, we're here to help you stay one step ahead. From sophisticated AI-driven tactics to classic scams like fake prize notifications and deceptive package alerts, Carmen and I break down how to identify and avoid these traps. You'll learn invaluable strategies to keep your finances secure, from verifying suspicious communications to recognizing red flags in emails and texts.

Gift cards and online shopping are holiday staples, but they come with risks if you're not careful. We share essential tips for ensuring your gift cards remain untouched and your online shopping experiences are safe. For those who prefer shopping locally, we discuss how this can be a more secure option while still requiring vigilance against misleading advertisements and phishing schemes. Additionally, we address the emotional impact of scams, reminding listeners to report incidents and seek support without shame.

In the spirit of giving, we explore how to make charitable donations wisely, so your generosity goes where it's needed most. Discover how to spot legitimate charities and protect yourself from fraudulent solicitations, with guidance from the Better Business Bureau Wise Giving Guide. We round off the episode with a blueprint of scam prevention tactics, from checking website security to inspecting gift cards, ensuring you and your loved ones enjoy a joyful and secure holiday season.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Discover the secrets to stress-free holiday cooking with our special guest Anne Milneck, the savvy owner of Red Stick Spice. Anne brings her expertise to help you conquer the kitchen this holiday season, whether you're whipping up a small family feast or hosting a Friendsgiving extravaganza. From freezing portions of classic dishes to choosing smaller proteins like turkey breasts, Anne shares innovative ways to keep your meals delightful and your budget intact. We'll also explore how global spices can transform any side dish into an extraordinary culinary experience.

Unleash your creativity with Thanksgiving leftovers as we tackle the art of reinventing cranberry sauce and turkey. Imagine turning cranberry sauce into an exquisite charcuterie spread or adding leftover turkey to a soul-warming soup. We also offer practical tips on saving time during Thanksgiving prep, including planning ahead and using handy gadgets like air fryers and potato peelers. Efficiency is key, and with our guidance, you'll breeze through your holiday preparations with ease.

In our final segment, we focus on kitchen efficiency and the art of enhancing store-bought foods. From ensuring uniformity with cookie scoops to elevating frozen apple pie with a spiced topping, learn how to make the most of pre-made items. We also prepare for the new year with simple meal prep and budgeting strategies to keep you on track with healthy habits and sustained motivation. Join us for an episode packed with practical advice that promises to make your holidays as enjoyable as they are budget-friendly!

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Join me, Kim Chapman, as I engage in an enlightening conversation with Leslie Tayne, a veteran debt attorney with over two decades of experience in navigating the complicated world of debt management. Ever wondered why quick fixes for debt are often too good to be true? Leslie helps unravel this mystery, revealing why each financial dilemma requires a tailored approach and highlighting the critical role of budgeting in avoiding the debt trap. Our discussion also sheds light on the precarious reliance on credit by individuals and small businesses, often leading to spiraling debt issues, and explores the serious implications of bankruptcy as a necessary but consequential option.

We then transition into a thorough examination of strategies like debt settlement, consolidation, and refinancing. Leslie offers her expert insights, warning of the pitfalls of debt consolidation loans and the importance of maintaining stellar credit for refinancing. She stresses the value of professional guidance from a debt attorney to steer clear of misleading promises and ensure a well-mapped-out path toward financial freedom. Listeners are encouraged to seek professional counsel early to dodge common missteps and seize opportunities in resolving their financial obligations.

In our final segment, we explore how the COVID-19 pandemic has shifted the financial landscape, emphasizing the importance of responsible debt management and achieving financial independence. Leslie shares her inspiring journey as a single parent and financial expert, underscoring the need for adaptability in financial strategies during life's transitions. We also discuss the significance of cultivating a positive relationship with money and being resourceful with financial education opportunities. Tune in to discover actionable steps and resources to help build a solid financial foundation and secure your path to financial stability and success.

How to contact Leslie:
https://attorney-newyork.com/about-us/leslie-tayne-bio/

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Tanya Taylor embodies the American dream, and her journey from arriving in the United States at just 16 with $100 to becoming a millionaire by the age of 48 is nothing short of extraordinary. Join us as we unravel her story—a tale of resilience, determination, and strategic financial planning. Tanya, a dynamic CPA, shares how she skillfully navigated her roles as a wife, mother, author, and entrepreneur, all while staying present for her children. Learn how her passion for personal finance led her to leave the corporate world and pursue entrepreneurship, driven by a desire to educate and inspire others through practical financial literacy strategies.

Tanya's path was filled with hurdles, from entering a new country without a green card to overcoming educational and financial challenges. Yet, her focus on her goals never wavered. Discover the power of mentorship in her life, including her decision to start an investment club, and how early investments in a 401k and rental income paved the way for her success. Tanya candidly recounts financial missteps, such as the consequences of co-signing loans, illustrating the importance of cautious financial decisions. Her story is a testament to the strength and tenacity required to turn adversity into opportunity.

The road to financial prosperity wasn't always smooth, as Tanya faced trials like a car accident and her daughter's medical expenses, which tested her financial resilience. She emphasizes the need for an emergency fund and disability insurance, crucial elements of her financial strategy. As Tanya looks to the future, her commitment to philanthropy and financial education shines through, with a focus on leaving a legacy for future generations. Tap into Tanya's wealth of knowledge and discover the resources she offers, including her website and TED talk, filled with insightful advice for anyone eager to build a secure financial foundation.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Unlock the secrets to leveraging your career for maximum financial gain with Money Matters! I'm thrilled to be joined by Yolanda Whitmore, a seasoned expert in career advancement strategies, as we explore the art of negotiating a raise. Get ready to master the skills needed to confidently present your case based on performance, understand the timing, and avoid common pitfalls like ultimatums. This episode promises to equip you with actionable insights that can help transform your financial trajectory.

Curious about your role in career development? We tackle the often-debated topic of who holds the reins of career progression—employees or employers. Dive into a lively discussion on self-improvement, from taking on additional duties in a contact center to pursuing further education. With insights from my personal experiences at Neighbors, learn how mentorship, training programs, and organizational support can propel your career forward, ensuring you're always one step ahead in a competitive job market.

Finally, we emphasize the importance of maintaining an up-to-date professional presence, from your resume to your LinkedIn profile. Discover how these tools can open doors to unexpected opportunities and how networking plays a crucial role in career growth. The evolution of job titles and their impact on career development is also on the agenda, offering practical advice on how to position yourself for success. Tune in for an episode packed with strategies and real-world advice to navigate the ever-changing landscape of professional growth.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. 

Unlock the secrets to making the right career move with our latest Money Matters episode! Dive into a wealth of knowledge as we chat with Yolanda Whitmore, VP of Human Resources at Neighbors, who brings decades of HR expertise to our discussion. Discover the top three factors to consider when evaluating job offers: aligning company values with your own, exploring benefits beyond just health and dental, and ensuring your new role supports a healthy work-life balance. This episode is packed with actionable insights for anyone navigating the job market.

Gain the tools you need to master salary negotiations and understand the full spectrum of benefits that come with job offers. Yolanda and I emphasize the importance of addressing salary expectations early in the interview process to save time and avoid misunderstandings. Learn about the substantial value of healthcare, vacation, and retirement plans, and how elements like bonuses, profit sharing, and equity become increasingly relevant as you commit to an organization. Whether you're eyeing a long-term career move or a temporary position, understanding these benefits can make a significant difference.

Equip yourself with the knowledge to evaluate multiple job offers effectively. Yolanda offers expert advice on negotiating salaries and benefits, identifying potential red flags, and asking the right questions during interviews. Understand the importance of cultural fit, company reputation, and growth opportunities when choosing between job offers. With practical tips from Yolanda, you'll be ready to make informed decisions about your professional future. Join us and take charge of your career path with confidence and clarity.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. 

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.