Money Matters

Ever wondered what makes a top-notch property manager? In our latest episode of Money Matters, Grace Nabasabala spills the beans on her journey from necessity to mastery in the world of property management. From handling those midnight maintenance crises to screening tenants like a pro, Grace shares her wealth of experience and the intricacies of a role that goes far beyond mere rent collection. Whether you're a seasoned real estate investor or just stepping into the game, Grace's insights will arm you with the knowledge to navigate the complexities of property management successfully.

Considering hiring a property manager but confused about the fee structures and screening criteria? Unlock the secrets behind the costs and the importance of maintaining clear communication with your property manager. Grace breaks down why these managers charge for maintenance and the significance of securing quality contractors. She also discusses the critical role of certifications to guard against legal pitfalls and outlines the standard tenant criteria, ensuring you stay compliant with fair housing laws. Stay informed and protect your investment with the strategic advice offered in this episode.

Choosing the right property management company can make or break your real estate venture. Through engaging discussions, we explore how to set realistic expectations and avoid common misconceptions. Grace and I delve into the importance of effective communication and the nuances behind different fee rates based on the level of involvement required. We also provide practical tips on how to research and verify potential property managers to avoid scams. For additional resources, don't forget to check out websites like neighborsfcu.org. Tune in for a treasure trove of practical advice and expert tips that will elevate your real estate management game.

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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 navigating the FAFSA process with ease as we explore the recent changes with financial aid expert Deborah Paul. Have you ever wondered how the shift from Expected Family Contribution (EFC) to the Student Aid Index (SAI) could impact your eligibility for aid? Join us on Money Matters as Deborah breaks down these updates, including the simplified FAFSA form and the integration of the IRS data retrieval system, designed to streamline your application experience and potentially increase need-based aid.

Discover how to maximize your financial aid opportunities with practical tips for finding local scholarships, which often present better odds than national awards. Deborah and I shed light on the nuances of student loan application periods, especially how different schools like LSU handle summer sessions. We also discuss the importance of understanding the timing of financial aid awards and the valuable resources available to students and parents navigating the FAFSA process.

Get empowered with essential knowledge on student loans, from disbursements and refunds to managing repayment options and exploring loan forgiveness. Deborah shares crucial advice on responsible borrowing, understanding loan obligations, and staying financially literate. Whether you're curious about deferment, forbearance, or public service loan forgiveness, this episode offers a comprehensive guide to help you optimize your financial aid and loan management, supporting your academic journey every step of the way.

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. 

What if you were never taught how to manage money but were suddenly thrown into financial independence? Join us as Ambrose Gabriel and Narin Sanders share their eye-opening experiences and reveal the challenges of navigating the financial maze of college life. They candidly rate their initial financial readiness at a mere two or three out of ten, shedding light on the pressing need for better financial education. Discover their stories of struggle and resilience as they learned to prioritize spending and handle financial responsibilities, from paying rent to budgeting for essentials like food.

Ever wondered how friendship and determination could ignite a passion for financial literacy? We explore pivotal moments where a simple introduction to a financial course by a friend sets the stage for a transformative journey. The episode delves into the importance of humility, seeking mentors, and leveraging resources like YouTube and Google to expand financial knowledge. Through honest discussions, we emphasize the role of hard work and networking in finding credible financial guidance, ultimately leading to a deeper understanding and control over personal finances.

Brick by Brick Empire stands as a beacon of hope in this narrative. Founded by Ambrose Gabriel, this organization aims to break the "broke college student" stereotype and empower students with essential financial skills. From understanding credit to investing, we discuss the critical financial knowledge every young adult needs. Listen to inspiring stories and practical advice encouraging young adults to seize opportunities and take actionable steps toward financial success. Whether you're a high school student eager to get ahead or a college student navigating financial independence, this episode is packed with insights and resources to guide your financial journey.

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. 

Could your financial habits be the key to unlocking your dreams of homeownership or debt freedom? Join us on this special episode of Money Matters as we flip the script on our host, Kim Chapman, who unveils her innovative Blueprint for Financial Success program. You'll gain exclusive insights into how personalized financial counseling can transform your financial life, whether it’s improving your credit score, budgeting more effectively, or even buying your first home.

We dive deep into the nuts and bolts of the Blueprint for Financial Success, starting with a soft pull from Equifax to gauge your current standing, and progressing to a comprehensive review if you're eyeing homeownership. Kim's non-judgmental, solution-focused approach helps dismantle psychological barriers to financial health. With continuous support from financial counselors and cutting-edge tracking software, you’ll learn how to stay on course and achieve your goals. Discover the importance of setting realistic, incremental goals and celebrating each small win along the way.

Accessibility is key, and Kim's program offers flexible options for those juggling busy schedules, including phone consultations during your commute. We encourage you to visit neighborsfcu.org for more information and to reach out with any questions. Special thanks to our guest hosts Betty and Cynthia for stepping in, and to Kim for her invaluable insights. This episode is packed with practical advice and inspiration to turn your financial dreams into reality. Tune in and take the first step toward your financial success!

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. 

Imagine facing higher interest rates, difficulty in loan approvals, and strained personal relationships all because of one simple thing: bad credit. On this episode of Money Matters, I, Kim Chapman, promise to demystify credit and its substantial influence on various facets of our lives, from job hunting to renting apartments. You'll gain a clear understanding of what credit is and its critical role in securing better financial opportunities. I'll walk you through how to access and review your credit reports from Experian, TransUnion, and Equifax, emphasizing the significance of regular checks to ensure they're accurate.

Reflecting on a personal experience, I share the mistakes of acquiring multiple credit cards without comprehending their long-term consequences, highlighting the importance of maintaining a balanced credit mix. Learn practical strategies for effective credit management, such as budgeting, automatic payments, and discerning between hard and soft inquiries. Additionally, discover how to leverage free credit monitoring services like Credit Karma to stay vigilant about your credit health. Equip yourself with actionable insights to not only maintain but also enhance your credit score, setting the stage for a brighter financial future. Listen in and take control of your financial destiny!

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. 

What if there was a single phone number that could connect you to essential community services 24/7, 365 days a year? Join us, Kim Chapman, as we reveal the powerful impact of 2-1-1, a lifeline for individuals seeking vital health and human services. This episode features Edie Edison, Vice President of Community Impact at Capital Area United Way, John Hudson, Community Impact Manager for 2-1-1, and LaDuan Butler, 2-1-1 Referral and Care Coordinator. Together, we break down how 2-1-1 connects communities to critical resources like food, shelter, and employment assistance, and the comprehensive care coordination efforts that go beyond just referrals.

Ever wondered what happens when you call 2-1-1? We'll take you through the process, from connecting with a local call specialist to the collection of demographic information to ensure you receive the most appropriate resources. During times of disaster, calls might be routed to other states, but the focus remains on identifying specific needs and offering the right support. Learn about the innovative care coordination program that guarantees follow-up and personalized assistance, ensuring that repeat callers receive the continuous support they need to navigate their challenges effectively.

Discover the vast network of community partners working with 2-1-1, including the Greater Baton Rouge Food Bank, Salvation Army, and Catholic Charities. We'll distinguish 2-1-1 from other important three-digit numbers like 3-1-1 for non-emergency government services and the new 9-8-8 for mental health crises. Hear a heartwarming success story of a client who found stability after moving to Baton Rouge, thanks to ongoing support from 2-1-1. This episode is packed with invaluable insights and information to help you and your community thrive.

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. 

What if you could cut your energy bills in half this summer? Learn how simple changes and smart strategies can make your home more energy-efficient than ever before! In this episode of Money Matters, I, Kim Chapman, am joined by Emma Meyerkoff and Jessica Hendricks from the Alliance for Affordable Energy to share life-changing tips on keeping your home cool and your wallet full. From sealing windows and doors to using Energy Star-rated appliances, we cover the essentials of home insulation and appliance efficiency. Emma and Jessica emphasize that good insulation and the right appliances play a crucial role in maintaining comfort and reducing energy consumption.

But that's not all—we also dive into everyday household chores to reveal how small tweaks can yield big savings. Discover why washing full loads with cold water, checking your refrigerator seals, and fully loading your dishwasher are game changers. Additionally, we discuss federal initiatives and programs designed to help low-income households, the elderly, and renters improve their energy efficiency. We wrap up with exciting news about "Jammin' for Justice," a community event celebrating sustainable energy efforts. Tune in to start saving money and making a positive impact on the environment!

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. 

Ever wondered if that towering oak in your yard could be a ticking time bomb during hurricane season? Join Kim Chapman in this vital episode of Money Matters, featuring Ricky Vincent, the expert owner of Tree Surgery by Ricky Vincent. Ricky shares invaluable insights into identifying hazardous trees, emphasizing the particular dangers posed by red oaks with shallow root systems. This episode promises to equip you with the knowledge you need to protect your property and loved ones from the devastating effects of a storm.

We'll explore the crucial importance of timely tree assessments, especially for pecan trees which can show signs of life as late as June. Ricky gives us a no-nonsense guide to recognizing the warning signs of tree death, exacerbated by recent droughts, and offers practical advice on hiring licensed and insured tree service contractors. You'll learn to spot unreliable providers and verify insurance coverage, ensuring you avoid financial pitfalls during emergency situations. 

Finally, we address legal rights concerning overhanging branches and provide clear cost considerations for tree removal services. Listen to Ricky's harrowing experiences dealing with neglected trees during hurricanes, highlighting the real dangers they pose. With hurricane season fast approaching, this episode is packed with essential advice on maintaining tree safety, ensuring you’re prepared for whatever Mother Nature throws your way. Tune in and arm yourself with the expert knowledge to safeguard your home and family!

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. 

Ever wonder how scammers craft such convincing schemes? Dive into the dark world of financial fraud with us as we're joined by experts Carmen Million of the Better Business Bureau, Adrienne from the Fraud and Forgery Department, and Cheri with Deposit Operations Network. We're tearing down the facade of those too-good-to-be-true offers and revealing how artificial intelligence has become a tool for deception in the scammer's toolkit. Our guests unpack the latest in fraudulent antics, offering you the insight needed to spot a scam from a mile away.

Your financial safety is precious; we're here to arm you with protective gear. This episode isn't just a wake-up call; it's a battle plan. We discuss the significance of keeping your details current with your financial institutions, why scrutinizing account activities can be your saving grace, and how a complex password stands between you and disaster. The truth is, no one is invincible against fraud, but with our guidance, you'll be far from an easy target. And if you do find yourself caught in a scammer's web, we'll walk you through the immediate steps to free yourself and fight back.

Lastly, let's spotlight your cell phone – that little device that's an extension of ourselves but also a beacon for scams. We cover practical ways to reduce spam calls and safeguard your number like it's a treasure. Plus, we'll point you in the direction of resources to not only protect but also grow your finances. With the National Do Not Call Registry and call-blocking apps in your arsenal, we're ensuring those pesky scam calls don't stand a chance. Join us as we lay down the law on financial fraud and turn the tables on 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. 

Ever dreamt of traversing the globe without the fear of a dwindling bank account? Let Amy Lytle from House of Travel be your guide to mastering the fine art of budget travel. Our latest adventure in podcasting uncovers the myths of booking vacations, the surprising shifts in travel trends post-COVID, and the strategic timing for snagging the best deals on flights and accommodations. With Amy's wisdom, forged from her grandmother's wanderlust and honed through years of crafting itineraries for savvy seniors, you'll learn how to transform your holiday dreams into reality and navigate peak seasons with ease.

Who knew the secret ingredient to a fulfilling journey was often hidden in the expertise of a travel agent? Discover the magic behind the curated experiences Amy and her team can provide, from the welcome parties awaiting you at exotic destinations to advice on how to handle unexpected travel hiccups. Whether you're plotting a solo excursion or a family retreat, this episode equips you with the insider knowledge to tailor a trip that aligns with your interests, all while keeping your wallet intact. We peel back the curtain on the true value of personalized travel planning and even share some local gems for those looking for adventure close to home.

Finally, we're serving up golden nuggets of travel wisdom with practical advice on maximizing your luggage space and finding the balance between a jam-packed itinerary and spontaneous exploration. Learn how to pack like a pro using space-saving techniques and why sometimes the best travel moments come from the unplanned detours. From the savannas of Africa to the tranquil waters of the South Pacific, we'll make sure you're prepared for the journey ahead. So, grab your passport, tune in, and prepare to elevate your travel game with tips from the one and only Amy Lytle.

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.