Common Cents

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An engaging new social video series that hits the streets and talks to Central Coast residents face-to-face. Each episode, featuring SESLOC financial representatives, will bring a humorous element interviewing people on the streets with financial trivia questions and educate them on common misconceptions when it comes to financial planning.

Common Cents Ep. 14

Episode 14: Password Security

October is Cybersecurity Awareness Month and to it kick off, SESLOC’s "Common Cents" takes on password security! Join Tyler and Vincent as they quiz people on password best practices and share essential tips for keeping your online accounts safe. How many characters make a strong password? Find out in this quick, must-watch episode to boost your digital security!

Common Cents Ep. 13

Episode 13: Debit vs. Credit

Are you team debit card or credit card? Let’s break it down with some Common cents!

Our host Tyler Clark, joined by SESLOC’s financial expert Vincent Delgado, will help you make smart decisions for your wallet.

From building credit to avoiding debt, we’ll cover the pros and cons of each so you can feel confident in your spending.

Tune in to KSBY to catch this segment and make the best choice for your financial future!

En Español
Episodio 12: Los Préstamos Con Garantía Hipotecaria

Common Cents Ep. 12 Espanol

¡Desbloquea el potencial de tu hogar con "Common Cents" en KSBY! Únete a nuestro anfitrión, Laura Zarate, mientras se asocia con el representante de SESLOC, Eduardo Guzman, para explorar los pormenores de los préstamos con garantía hipotecaria. En este episodio, descubre cómo convertir el valor de tu hogar en un flujo de efectivo valioso. Conoce todos los detalles sobre cómo pedir prestado contra tu casa y hacer que tu capital trabaje para ti. No te lo pierdas: sintoniza para un segmento que es tanto esclarecedor como un "jonrón" de sabiduría financiera, presentado por SESLOC.

Episode 12: Home Equity Loans

Common Cents Ep. 12

Unlock the potential of your home with this segment of "Common Cents" brought to you by SESLOC! Join our host, Tyler Clark, as he teams up with SESLOC representative Vincent Delgado to explore the ins and outs of home equity loans. In this episode, discover how to turn your home's value into valuable cash flow. Get the lowdown on borrowing against your home and making your equity work for you. Don’t miss out—tune in for a segment that’s both enlightening and "home run" of financial wisdom.

En Español
Episodio 11: Presupuesto Ruidoso

Common Cents Ep. 11 Spanish

Únete a nosotros en Cal Poly, donde nuestro presentador, Laura Zarate, se une al representante de SESLOC, Eduardo Guzman, para hacer preguntas a los estudiantes sobre los fundamentos del presupuesto. Observa cómo los estudiantes ponen a prueba sus conocimientos financieros y aprenden algunos consejos prácticos para administrar su dinero de manera efectiva. Se trata de hacer "Sentido Común" en este divertido y educativo segmento presentado por SESLOC.

Episode 11: Loud Budgeting

Common Cents Ep. 11

Join us at Cal Poly as our host, Tyler Clark, teams up with SESLOC representative Vincent Delgado to quiz students on the fundamentals of budgeting. Watch as students put their financial knowledge to the test and learn some practical tips to manage their money effectively. It's all about making "Common Cents" in this fun and educational segment brought to you by SESLOC.

En Español
Episodio 10: Ahorrar para la jubilación

COMMONCENTSRETIRESPANISH

Únete a la discusión mientras Sandra Bautista-Floyd comparte conocimientos expertos sobre cuándo comenzar a ahorrar para la jubilación, adaptado para todas las etapas de la vida. Ya seas un recién graduado o un profesional experimentado, este segmento ofrece consejos prácticos para asegurar tu futuro financiero. ¡No te pierdas la oportunidad de descubrir los secretos del éxito en la jubilación!

Episode 10: Saving for Retirement

COMMONCENTSRETIRESM

Join the discussion as Vincent Delgado from SESLOC shares expert insights on when to start saving for retirement, tailored for all stages of life. Whether you're a recent grad or a seasoned pro, this segment offers practical tips to secure your financial future. Don't miss out on unlocking the secrets to retirement success!

Episode 9: Emergency Funds

Common Cents Ep. 9

Join Tyler as he returns to test people's financial know-how.

This time, he’s discussing the importance of emergency funds with SESLOC’s Vincent Delgado. What constitutes a true emergency? Find out as they hit the streets for answers. Learn why having an emergency fund is crucial for navigating life's surprises, from job losses to unexpected bills. Discover valuable tips on managing your fund responsibly. Don't miss this episode of Common Cents – because emergencies can happen to anyone!

En Español
Episodio 8: Puntuación de crédito

Common Cents Credit Score R2 Spanish

¿Ignorar tu crédito puede perjudicarte?

Únete a Laura Zarate de SESLOC en este segmento de 'Common Cents' de 1 minuto. Descubre las consecuencias, expert insights y opiniones. SESLOC Federal Credit Union y Laura simplifican la sabiduría financiera. ¡Sintoniza ahora!

Episode 8: Credit Score

Credit Score R2

Can ignoring your credit hurt you?

Join host Tyler Clark and SESLOC's Education Outreach Manager, Vincent Delgado, in this quick 1-minute 'Common Cents' segment. Discover the consequences, gain expert insights, and hear street opinions. SESLOC Federal Credit Union and Tyler are here to make financial wisdom concise and accessible. Tune in now!

Episode 7: Phishing Scam

Common Cents Morro

What is a Phishing Scam?

In this episode of "Common Cents," we're diving deep into the murky waters of phishing scams. Find out with SESLOC’s Vincent Delgado as we reel in the secrets of online security and equip you with the knowledge to spot phishing attempts a mile away.

En Español:
Episodio 6: Valor de la vivienda

Common Cents Home Equity Spanish

¿Qué es la equidad de la casa?

La equidad es el valor de su propiedad!
Se calcula por la cantidad que se le debe al banco por el valor de la casa.

Este tipo de préstamo se puede utilizar para saldar deudas o realizar reparaciones en el hogar.

Episode 6: Home Equity

Common Cents Home Equity

What is Home Equity?

Equity is the ownership you have in your home. You can calculate your equity by taking a look at your mortgage balance versus your current market value of your home.

En Español:
Epispodio 5: Interés compuesto

Common Cents - Compound Interest Spanish

¿Qué es el interés compuesto?

¡El interés compuesto es tu dinero haciendo dinero!
Como empezar a ganar con interés compuesto:
A. 401K
B. Cuenta individual de retiro
C. ¡Tiempo! ¡Nunca es tarde para empezar a ahorrar!

Episode 5: Compound Interest

Common Cents - Compound Interest - English

What is Compounding Interest?

Compounding Interest is your money making money!
How to start earning with Compounding Interest:
A. 401K
B. Individual Retirement Account
C. Time! It's never too early to start saving!

En Español:
Episodio 4: Préstamos

Common Cents - Spanish Episode 2

¿Alguien con un ITIN puede solicitar un préstamo? ¡Mire para averiguarlo en este episodio de Common Cents!

En Español:
Episodio 3: Llamadas de estafa

Common Cents Episode 3 - Spanish

Si llama tu entidad financiera pidiendo datos personales o contraseña, ¿que haces?

A. Escuche con atención
B. Cuelgue inmediatamente

La repuesta es B. ¡Cuelgue inmediatamente! Su insticución financiera nunca le llamará ni le enviará un mensaje de texto para pedirle su información personal.

Episode 3: Scam Calls

Common Cents Episode 4

If your financial institution calls asking for personal information or password, what do you do?

A. Listen Carefully
B. Hang Up Immediately

The answer is B. hang up immediately! Your financial institution will never call or text asking for your personal information.

En Español:
Episodio 2: Las Cooperativas de Crédito

CCEP3_Credit Union English R1

¿Qué es una unión de crédito? Las cooperativas de ahorro y crédito son instituciones financieras que son propiedad de los miembros. Esto puede permitir mejores tarifas y atención a los miembros que un banco típico.

Episode 2: Credit Unions

CCEP3_Credit Union English R1

What is a Credit Union?
Credit Unions are financial institutions that are owned by the members. This can allow for better rates and member care than a typical bank.

Episode 1: Share Certificates

Share Certificates

What is a Share Certificate?

A share certificate is a type of savings account which yields higher dividends over a committed period of time.