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 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 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. 

Sarae is joined by Mary Murray, Card Services Accounting Specialist at Denver Community, to learn about the benefits of CardNav and how to get started using it.  CardNav is a app that allows members to turn credit cards and debit cards on or off within seconds, and to manage how, when, and where cards are used.   Members: click here to learn more or to download CardNav on our website.

Sarae is joined by Melissa Duncan, Personal Finance Coach at mpowered, to weigh the benefits and drawbacks of Credit Karma for consumers.  As a nonprofit Accredited Credit Counselor, she shares her insight and expertise to discuss how consumers can use Credit Karma's services to understand of their credit, and what considerations to keep in mind.

Sarae speaks with Joe Tassano, Vice President of Branches at Denver Community Credit Union, to talk about Mobile Bill Payer.  Members can now pay all their bills directly from their phone.  Tune in to learn about its functionalities and benefits. Members: for a video overview on how to use Bill Payer in the upgraded Denver Community Mobile Banking App click here.  To update your device with the updgraded mobile banking app, click here. 

Sarae is joined by Jim Hall, a professional certified Focal Point Business Coach, and Director of Business Services at Denver Community Credit Union.  Jim explains 5 critical things they don’t teach you in business school but should that can take your enterprise and goals to the next level: The Multitasking Myth (Focus)3 Eyes of the Business Owner (Visioning)Urgent vs. Important (Time Management)The 1% Difference (Business Improvement)Goals vs. Dreaming (Goal Setting)  

Sarae speaks with Amanda Hamm, Vice President of IT & Finance at Denver Community Credit Union, to discuss details about Denver Community's new Mobile Check Deposit service. We'll share how it works so you can confidently start depositing checks right from your phone, at your convenience. Members: for step-by-step instructions on how to use Mobile Check Deposit in the upgraded Denver Community Mobile Banking App click here.  To update your device with the updgraded mobile banking app, click here. 

Sarae speaks with Noah Lyman, Realtor & Broker Associate with Keller Williams Realty Downtown Denver.  On this program, we discuss what questions home buyers and sellers should ask when meeting with a prospective realtor to find an agent that's a good fit for them and their needs.

Sarae is joined by Joe Tassano, Vice President of Branches at Denver Community Credit Union, to learn about Net Check In.  Net Check In is a free service that members can use through our website or via a phone app to skip the line at our branches.  Members: to get started using Net Check In through our website or to download the app, please visit our website.

Sarae is joined by Amanda Hamm, Vice President of IT & Finance at Denver Community Credit Union, to discuss how exactly Apple Pay™ works, how it keeps your financial information more secure than swiping your card, and how to add your Denver Community cards to Apple Pay.  Members: for step-by-step instructions to add your Denver Community cards to Apple Pay, and for more details, click here. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.  Apple Pay and Touch ID are trademarks of Apple Inc.

Sarae is joined by Jason Vitug, Founder & CEO of Phroogal.  Phroogal is a free online personal finance resource designed to empower people to make better financial decisions. Phroogal launches the Road to Financial Wellness - a 10,000 mile cross-country road trip to engage a national discussion on financial wellbeing - on June 1, 2015.  We look forward to partnering with Phroogal stop #19 in Denver on June 19th 2015.  

Sarae is joined by Denver Community Credit Union's VP of Lending, Katrina Morton, to discuss in the ins and outs of second mortgages.  We discuss how they work, what questions to ask, and the different types of terms that are generally available, so that you can decide if a second mortgage is a good fit for you.

Sarae is joined by Carlos Colón, Bilingual Personal Finance Coach at mpowered, to discuss what to do if you have defaulted on your federal student loans and what options are available to you to get out of default.  We also cover: The difference between being delinquent and defaulting on your student loans.The effect on your credit of defaulting on your student loans. You can find more information about federal student loan default on studentaid.ed.gov. If you are not in default on your student loans, listen to our podcasts about income-based student loan repayment plan options and student loan repayment plan options not based on income.  More information about federal student loan repayment options can also be found at studentaid.ed.gov.

Sarae is joined by Carlos Colón, Bilingual Personal Finance Coach at mpowered, to talk about what student loan consolidation options are available and what you need to consider before deciding whether consolidating student loan debt is a good fit for you.  Click here for more information about federal student loan consolidation.