Pocket Change Podcast

Downtowns are the heart of our communities. In this episode of the Pocket Change Podcast, Shea and Mary Helen sit down with Beth Ann Simpson, director of Jackson Downtown Development Corporation, to discuss the recent growth and momentum of downtown Jackson, Tennessee. JDDC is a nonprofit that partners with area business owners and the community to highlight all that is happening in Downtown Jackson.

Highlights:

2:42-3:50 - What is JDDC? 4:40-6:26 - What exciting things are happening downtown? 7:31-8:09 - Food Truck Fridays 9:02-10:04 - Why is it important to support downtown? 10:05-11:14 - Hidden gems downtown 11:32-12:26 What can you do with a $20 budget?

To stay up-to-date on all the things happening in Downtown Jackson, visit https://www.downtownjacksontn.com/.

The Pocket Change Podcast is presented by Leaders Credit Union. Learn more at https://www.leaderscu.com/.

Is your money protected? With all the recent bank failures, that's an important question to ask. In this episode of the Pocket Change Podcast, Shea and Mary Helen sit down with Seth Rudd, CFO at Leaders Credit Union, to discuss "How to protect your money and watch it grow." Not only do they discuss FDIC and NCUA insurance, they also examine the best accounts to help you grow their hard earned money. Put your trust in a financial institution that has safeguards in place to protect your money, minimize your risk, and maximize your rewards.

Highlights:

2:27-2:47 – No one has lost a dime of federally insured money

3:55-4:47 – Are Credit Unions federally insured?

6:49-7:33 - Is Leaders Credit Union safe?

7:46-8:29 - Favorite Savings account

8:56-9:32 - CDs are a great savings option

9:45-10:31 – Difference between Certificates and Money Market Accounts

10:57-12:10 - What is CD laddering?

Products featured on this podcast

Fast Forward Savings: https://www.leaderscu.com/savings-accounts/fast-forward

Champion High-Yield Savings: https://www.leaderscu.com/savings-accounts/champion-high-yield

Certifcates: https://www.leaderscu.com/savings-accounts/term-share-certificates

Money Market Certificates: https://www.leaderscu.com/savings-accounts/money-market-certificate

The Pocket Change Podcast is presented by Leaders Credit Union. Learn more at https://www.leaderscu.com/.

Traveling to Disney World is not cheap and planning can be a daunting task. On this episode of the Pocket Change Podcast, we're talking about the most magical place on earth and ways to save money on your Disney vacation. Kristi Woody, photographer and avid Disney traveler, sits down with Shea and Mary Helen to share her ways to save for Disney and save while your at the parks. If you're planning a trip to Disney, this is a must listen!

Highlights:

4:50-5:54 - Use a Disney travel planner

6:01-6:40 - Tips for discounted park tickets

8:16-8:59 - What are the top value resorts

11:10-12:03 - Bring water and snacks with you to the park

12:21-13:02 - Try the unique snacks

14:26-15:07 - Hacks to save on Disney's Memory Maker

15:08-15:58 - Give your kids a budget

Products on the Podcast:

Champion Rewards Checking earns interest with no monthly fees or minimum balance requirements: https://www.leaderscu.com/checking-accounts/champion-rewards

Fast Forward Savings: https://www.leaderscu.com/savings-accounts/fast-forward

To support Kristi's Disney small shop, Favorite Deputy Co, visit https://www.etsy.com/shop/FavoriteDeputy

To learn more about Give Kids the World Village, visit https://www.gktw.org/

On this episode of the Pocket Change Podcast, Kay Carroll, Director of Mortgage Sales and Services at Leaders Credit Union, talks about what a first-time homebuyer should know when navigating the homebuying process. The process of buying a home for the first time can be a daunting and overwhelming experience, especially for those who are not familiar. This podcast is dedicated to helping first-time homebuyers navigate the complexities of the home-buying process by providing valuable insights, tips, and advice from industry experts.

Highlights:

2:00-2:30 – How much down payment do you need to buy a house

5:13-6:15 - The importance of credit reports

9:44-10:32 – Understanding the mortgage lingo

11:27-12:07 – Pre-Qualifications can set you a part as a buyer

14:05-15:04 - What to look for in a realtor

17:03-17:45 – Leaders refi assurance offer

If you're ready to start the homebuyer journey, speak with a Leaders mortgage champion by visiting https://www.leaderscu.com/home-loans/champions

Learn more about all of Leaders home loan options at https://www.leaderscu.com/home-loans

*No Lender Fees Offer redeemable toward all lender fees except interest rate discount points, lock extension fees, rate re-lock fees, and prepaid daily interest due at closing. No Appraisal Cost Offer redeemable toward recipient's actual appraisal cost or $500, whichever is less. Lender fee credit and appraisal credit will appear on final closing disclosures. To redeem offer, provide this card prior to initial loan disclosures and card expiration date. Offer only valid when all the following conditions are met: (1) the offer is redeemed by the recipient toward refinance of a first lien, owner occupied residential mortgage loan of $100,000 or more closed with Leaders Credit Union (Leaders); (2) Leaders originated the recipient's initial purchase mortgage on the property; (3) since the recipient's initial purchase mortgage, no subsequent refinance of the property has occurred; and (4) the recipient has made at least six consecutive payments on the initial purchase mortgage during the scheduled payment period in which they were due. Offer not valid on modification, conversion, or refinance of short-term financing, including but not limited to, construction or bridge loans. Offer may be subject to additional terms, conditions, restrictions, and product exclusions, all of which may change without notice. Offer and mortgage loans are subject to underwriting guidelines and approval. Offer may not: (a) be used in conjunction with any other down payment or cost assistance programs; (b) be combined with other Leaders offers, promotions, or incentives; (c) be transferred to another borrower; or (d) be redeemed for cash. Leaders employees are not eligible. Recipient is solely responsible for any personal tax liability arising out of this offer.

This episode of the Pocket Change Podcast, titled "The Power of Giving Back: Honoring the Unsung Heroes of our Community", is a touching tribute to the individuals who make a difference in their communities through acts of kindness and generosity. Guest Teri Jelks, evening anchor at WBBJ 7 Eyewitness News, introduces the West Tennessee Community Champion program which recognizes the unsung heroes who have made significant contributions to their communities without seeking recognition or reward. The Community Champion program, a partnership between WBBJ and Leaders Credit Union, features inspiring stories of individuals who have selflessly dedicated their time and resources to improve the lives of those around them. The episode calls attention to the importance of giving back to our communities and the positive impact it can have on individuals and society as a whole.

Highlights:

1:56 – 2:10 – Which is better reporting or anchoring?

2:42 – 3:36 – What is the Community Champion program?

3:59 – 4:24 – Someone is going to be inspired by your story

8:38 – 9:01 – If you had spare pocket change, what are you spending it on?

To learn more about the Community Champion program, visit: https://www.leaderscu.com/community-involvement.

The Pocket Change Podcast is presented by Leaders Credit Union. Learn more at https://www.leaderscu.com/.

On this episode of Pocket Change, Brant Tibbs, Leaders Investment Services, LPL, and co-hosts Shea and Mary Helen chat about investment possibilities. Brant shares a basic overview of investment types and gets into the differences between 401K, IRAs, Traditional, and Roth. If you are confused by your options, this is a great episode to learn the basics of investing 101.

Key moments:

5:45 – 6:37 (Difference in 401K and IRA)

6:55 – 7:28 (Difference in Traditional IRA vs. Roth)

8:50 – 9:14 (Brant explains what you need to succeed, "drive and direction")

11:22 – 11:56 (We all take a different journey to reach our goals)

If you don't know where to start with your investment journey, Leaders Investment Champions are here to guide you. Learn more at https://www.leaderscu.com/investments.

Pocket Change is presented by Leaders Credit Union.

Community is always around us. We shouldn't wait to be kind, but rather intentional and aggressive.

On this episode Luke Pruett, Foundation Director of Le Bonheur Children's Hospital, and co-hosts Shea and Mary Helen discuss the importance and power of Cultivating Community. Luke co-host his own podcast called The Social Brokers, giving others the platform to share their story.

Be sure to rate, review, and subscribe to the Pocket Change Podcast on your favorite podcast platform and subscribe to @leaderscreditunion on YouTube.

Did you know there are five money personalities? When it comes to finances you can be a spender, saver, investor, debtor, or avoider. Although we may have tendencies of all, we closely relate to only one. Tune in to hear this episode as Community Engagement Specialist, Carrie Cantrell and co-hosts Shea and Mary Helen discuss the five money personalities and their correlating animals. Which animal are you? Learn more about your habits, to learn more about yourself.

Be sure to rate, review, and subscribe to the Pocket Change Podcast. And subscribe to Leaders Credit Union's YouTube channel to watch these full episodes: https://www.youtube.com/@leaderscreditunion

Ford Motor Company recently announced its investment in Blue Oval City, which will have a huge economic impact on the greater West Tennessee region. Tune in to this episode to hear President and CEO of the Greater Jackson Chamber, Kyle Spurgeon, and financial champion co-hosts Shea and Mary Helen discuss the excitement and concerns that surround the impact of Blue Oval City. It is sure to have a transformational impact on cities like Memphis, Jackson, Brownsville, and all of West Tennessee.

Be sure to rate, review, and subscribe to the Pocket Change Podcast. And subscribe to the Leaders Credit Union's YouTube channel to watch these episodes: https://www.youtube.com/@leaderscreditunion

Start your year off right with these financially fit tips! On this episode of the Pocket Change Podcast, we're discussing 5 tips to get you financially fit in 2023. Our guest Karen Freeman, COO at Leaders Credit Union, shares practical tips to help you on your financial journey. If you implement these tips you are sure to see a positive change in your money habits.

Subscribe to the Pocket Change Podcast to learn better ways to spend, save, and invest, and take control of your financial journey.

The Pocket Change Podcast is presented by Leaders Credit Union. Learn more at leaderscu.com.