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.
Episode 27: Paying Down Debt – Smart Strategies for a Stronger Future
In this episode, we break down practical, approachable steps to help you tackle debt with confidence. From understanding interest rates to creating a payoff plan that works for your budget, our experts share real-world tips that can help you take control of your finances- one smart decision at a time.
Episode 26: Evaluating Your Spending
In this episode, Vincent walks viewers through simple, smart steps to better understand where their money goes. From spotting spending habits to creating a balanced budget that fits your life, learn how small changes can lead to big savings and peace of mind when unexpected expenses pop up.
Episode 25: Managing Tax Returns
Tax refunds and work bonuses are starting to come in, so “Common Cents” is sharing useful tips to help you make the most of these financial windfalls. Learn realistic budgeting strategies that support your long-term financial goals while also leaving room for fun.
Episode 24: Preventing Tax Identity Fraud
With Tax Day approaching, Episode 24 of “Common Cents” shares expert tips on how to help protect your personal information and prevent fraud when filing. Don’t miss these valuable insights for first-time filers and bona fide tax experts alike!
Episode 23: Retirement Savings—Are You on Track?
In this episode of Common Cents, sponsored by SESLOC, we hit the streets to find out how people are saving for retirement, and the answers may surprise you! Whether you have a solid plan or don’t know where to start, our expert shares simple, actionable tips to help you build a secure financial future.
Episode 22: Managing Your Credit Score
Episode 22 of “Common Cents” demystifies the factors that affect your credit score and how you can improve it through strategic management—all in just 90 seconds!
Episode 21: “Buy Now, Pay Later” Plans
Have you ever used a “Buy Now, Pay Later” plan?
Episode 21 of “Common Cents” details the pros and cons of using these plans, including expert advice on how to consider their effect on your current budget.
Episode 20: Joint Financial Goals
Episode 20 of “Common Cents” offers expert advice for couples looking to set and achieve joint financial goals. Whether it’s building an emergency fund, saving for a home, paying off debt, or budgeting for a vacation, this episode can help!
Episode 19: Financial Disagreements
Episode 19 of “Common Cents” explores how couples can foster financial unity. Don’t let financial disagreements cause tension in your relationship. Keep the love and money flowing with expert advice from SESLOC!
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Episodio 18: Establecimiento de Metas
El episodio 18 de “Centavos Común” trata sobre ayudarle a establecer y mantener metas financieras SMART. Sintonice para obtener asesoramiento experto y ver cómo otros residentes locales se comprometen con sus presupuestos.
Episode 18: Goal Setting
Episode 18 of “Common Cents” is all about helping you set and stick to SMART financial goals. Tune in to get expert advice and see how other locals are staying committed to their budgets.
En Español
Episodio 17: Seguimiento del Presupuesto
¿Lleva un control de sus gastos?
El episodio 17 de “Centavos Común” está aquí para ayudarle a mantenerse dentro de su presupuesto y prepararse para lo inesperado. No se pierda los consejos clave para evitar gastos excesivos y establecer un fondo de emergencia para su seguridad financiera.
Episode 17: Expense Tracking
Do you track your expenses?
Episode 17 of “Common Cents” is here to help you stay on budget and prepare for the unexpected. Don’t miss key tips to help you avoid overspending and establish a financial safety net for times of emergency.
En Español
Episodio 16: Estrategias Presupuestarias
En este episodio de "Common Cents", exploramos estrategias clave de presupuesto. Aprenderás consejos prácticos para administrar tus ingresos, ahorrar de manera eficiente y planificar un futuro financiero estable. ¡No te lo pierdas!
Episode 16: Budget Strategies
Episode 16 of "Common Cents" dives into practical tips to help you manage your money more effectively. From setting realistic goals to tracking your spending, this episode is your quick guide to taking control of your finances.
En Español
Episodio 15: Deuda
¿Toda la deuda es mala? Descubra cómo Tyler y Vincent cuestionan a los miembros de la comunidad local en el último episodio de “Common Cents”. No se pierda esta oportunidad de aprender sobre diferentes tipos de deuda, incluyendo cómo algunos tipos pueden ser utilizados para aumentar su bienestar financiero. ¡Ya sea que esté buscando aumentar el valor de su propiedad o aumentar su puntaje de crédito, este episodio tiene algo para usted!
Episode 15: Debt
Is all debt bad? Find out as Tyler and Vincent quiz local community members in the latest episode of “Common Cents”. Don’t miss this opportunity to learn about different types of debt, including how some types can be used to increase your financial well-being. Whether you are looking to increase your property’s value or build up your credit score, this episode has something for you!
En Español
Episodio 14: Seguridad de Contraseñas
¡Octubre es el Mes de Concientización sobre Ciberseguridad y para dar inicio, "Common Cents" de SESLOC aborda la seguridad de las contraseñas! Únete a Laura y Sandra mientras ponen a prueba a las personas sobre las mejores prácticas para contraseñas y comparten consejos esenciales para mantener tus cuentas en línea seguras. ¿Cuántos caracteres hacen una contraseña fuerte? Descúbrelo en este episodio rápido y esencial para mejorar tu seguridad digital.
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!
En Español
Episodio 13: Débito vs. Crédito
¿Eres del equipo de tarjeta de débito o de crédito? ¡Vamos a analizarlo con un poco de "Common Cents"!
Nuestra presentadora Laura, acompañada por Eduardo, experto financiero de SESLOC, te ayudará a tomar decisiones inteligentes para tu bolsillo.
Desde cómo construir tu crédito hasta evitar deudas, cubriremos los pros y contras de cada opción para que puedas sentirte seguro con tus decisiones de gasto.
Sintoniza KSBY para ver este segmento y tomar la mejor decisión para tu futuro financiero.
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
¡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
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
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
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
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
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
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
¿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
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
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
¿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
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.
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Epispodio 5: Interés compuesto
¿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
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!
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Episodio 4: Préstamos
¿Alguien con un ITIN puede solicitar un préstamo? ¡Mire para averiguarlo en este episodio de Common Cents!
En Español:
Episodio 3: Llamadas de estafa
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
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.
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Episodio 2: Las Cooperativas de Crédito
¿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
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
What is a Share Certificate?
A share certificate is a type of savings account which yields higher dividends over a committed period of time.
