Money Tips No One Told You

In today's episode we are talking good debt vs. bad debt.  If you’re like me, you’ve been taught your whole life that debt was bad… and you automatically equate it to something negative.  But that’s not entirely true.  

So we are going to break it down and give you information to help you make informed decisions about your credit future.

You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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In this episode we are talking about products and services your college student can use when they are moving away to school.  These tips are also handy when traveling and away from your credit union.   We talk about finding an ATMs or Shared Branching, using Online Banking, Zelle, and our app.  

Ways to find a Co-op ATM or Shared Branch - 

Visit Firstpioneers.com:
https://www.firstpioneers.com/atm-locator
https://www.firstpioneers.com/shared-branching

Visit the Co-op finder website:
https://co-opcreditunions.org/locator/

Download the app on Google or Apple App Store:
https://play.google.com/store/apps/details?id=com.coopnetwork.locator&hl=en_US&gl=US

https://apps.apple.com/us/app/coop-atm-shared-branch-locator/id1239957376

Text 91989

Download the First Pioneers App:
https://play.google.com/store/apps/details?id=com.firstpioneersfcu.mobile&hl=en_US&gl=US

https://apps.apple.com/us/app/first-pioneers-fcu/id1215298657

You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union

In this episode we are talking about tough talks conversations adult children need to have with their parents.  No one wants to think about our parents aging… but the sad reality is there will come in a point in our lives where parents may need the help of their children through the next stage of their journey.  

Retirement, debt, long term care, wills, and estates are among the topics we discuss and recommend you do as well.  

The reality is, these transitions can happen quickly and take you by surprise.  Even when you know this is coming, it is still a stressful time and you may find yourself not thinking clearly or forgetting things.  The more you know and have planned, the easier it can be to move forward in a way that meets not just the NEEDS of your parents but follows their wishes.

You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.

 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union

In this episode we are talking about tips to save for college and/or other education or training.  Not all kids will go to college, nor should they.  The career path you choose is yours alone and not a one size fits all solution, but saving can be helpful for other types of training or education as well.  Saving for future plans is a good thing to make part of your savings plan.

 For today’s discussion focuses on saving for college.

 We also discuss when not to save for college!

The website to purchase US Savings Bonds is
treasurydirect.gov

You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.

 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union

In this episode we are talking about money and the things that go along with it.  Especially with so many young people graduating school and getting out into the work force, there’s actually a lot to consider.  I remember my first real job, no one had told me anything about how it worked and it was a bit of a learning curve.  Filling out tax forms, what benefits really mean, and how working can actually cost you… no one ever told me those things.  

The hidden costs of working, how to get training, what benefits really mean,  and how to fill out a w-4.  

You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.

 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union

In this episode we are talking about credit.  This is the topic we seem to get asked about the most and the one people really want and need to understand.  

We talk about how to establish credit, what makes up your credit score and ways to repair your credit.  

If you would like to get a copy of your credit report, visit annualcreditreport.com. 

You can get your credit score from FICO at https://www.fico.com/en/products/fico-score

You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union

This episode is all about CDs, and I don’t mean the things that play music or hold data!

We will talk about what a CD really is and what to consider before opening one.

We will also explain the different types of CDs and how to maximize your return with a CD ladder.  

You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
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In this episode we have our friend, Robin Godeaux visiting us with tips for home buyers.  Recently, the real estate market is difficult to navigate, with homes going under contract as soon as the hit the market.   First time home buyers are feeling especially overwhelmed.

Robin and I talk about the importance of having an agent on your team, the process of buying, how to make an offer and more!

If you would like to contact Robin for your real estate needs, you can find her and the CJ group here,  http://livelovelafayette.com/agents/.

You can also find her on facebook:  https://www.facebook.com/GeauxWithGodeaux


You can find First Pioneers at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union

We are once again celebrating youth as credit unions across the country celebrate youth month in April.  Last time we talked about basic lessons in money management.  In this episode we want to discuss a few things your teen needs to know as they begin this leg of their journey to adulthood.  Today that’s money management, building credit and what it really means to have a job.  

It's easy to get overwhelmed when you think about all you want to teach your children.  Imagine how they feel?  Many of them recognize there is so much they don’t know yet they want to prepare to go out into the world on their own.  The good thing, questions can always be asked, and things will be learned as life develops and creates the need.  

Reach out to your bank or credit union or reach out to local organizations that offer this kind of help.  That’s what we are here for! 

You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union

As credit unions across the country celebrate youth month it is a perfect time to talk to your kids about their finances.  There was time when schools taught basic Home Economics like cooking, sewing and even basic banking.  Over the years, those classes went by the wayside and teaching children about finances became the responsibility of the parent or caregiver.  
Many parents face the challenge of feeling like theres no time or not knowing how to approach the topic.   Many organizations are offering classes or seminars to help fill the gaps, including First Pioneers FCU.  

In this episode we discuss basics to teach your kids like money management, saving and budgeting.  

You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com.  If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
 Follow us on our socials:
 Facebook:  FirstPioneersFCU
 Instagram:  firstpioneersfcu
 Tik Tok:  First Pioneers FCU 1
 Pinterest:  First Pioneers Federal Credit Union