Join hosts Alex Becerra and Brit Kelleher on a journey to wards financial wellness and meaningful community involvement. The Perfect Cents Podcast, presented by SAFE Credit Union is a program designed to empower each listener to take control of their financial situation and become a greater force for good in their community. Episodes will feature recurring segments along with occasional guests from around the Greater Sacramento region. Guests will include SAFE Credit Union colleagues, indust ...
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On this episode of the podcast, Savannah Brown and Miriam Dougherty tackle the topic of Financial Avoidance! This common money behavior often holds people back from taking control of their finances and achieving their financial goals. During the discussion, Savannah and Miriam highlight specific traits that can be used to identify Financial Avoidan…
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Fresh Take on Finances (2024 High School Interns)
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On this episode of the podcast, Alex Becerra & Savannah Brown welcome SAFE Credit Union's 2024 High School Interns! It’s summertime which means it’s time for our interns to take over the Perfect Cents Podcast. Join these amazing students as they discuss the importance of learning financial education fundamentals, credit basics, and valuable skills …
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Market Conditions: Auto Financing in 2024
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On this episode of the podcast, Alex Becerra & Hector Madueno welcome SAFE’s professional experts, Lawrence Lomeli and Kevin Hagedon to discuss what it’s like to purchase a car in 2024. Together they share helpful considerations, tips, and tricks to help consumers navigate their next car buying experience with knowledge and confidence. Topics inclu…
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The Best (Financial) Advice My Mom Ever Gave Me
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18:31
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On this episode of the podcast, Alex Becerra & Miriam Dougherty share the best financial advice they ever received from their moms. Together they discuss the importance of responsibly managing credit cards and how to take full advantage of promotions & rewards. They also talk about the benefits of having an organized money management system, keepin…
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The Credit Union Difference: Financial Capability & Building CommYOUnity Month
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19:08
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On this episode of the podcast, Alex Becerra & Hector Madueno talk about the Credit Union Difference and the various, unique ways SAFE Credit Union embodies the philosophy of “People Helping People.” Throughout the episode they discuss SAFE’s Financial Capability Month and Building CommYOUnity Month campaigns while spotlighting the work that is bei…
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FAFSA (Free Application for Federal Student Aid)
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On this episode of the podcast, Hector Madueno and Miriam Dougherty welcome Sallie Mae’s Director of Relationship Management, Jeff Lackey, to discuss the importance of the FAFSA for new college students. Together they provide helpful insights into the process of completing the FAFSA, various types of financial aid students may qualify for, and much…
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On this episode of the podcast, Alex and Miriam welcome SAFE Credit Union’s Senior Insurance Specialist, Lisa Lomeli to discuss the importance of loan insurance and payment protection products. Together, they share valuable insights into various types of loan insurance including GAP (Guaranteed Asset Protection,) MBI (Mechanical Breakdown Insurance…
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On this episode of the podcast, Savannah and Alex discuss 5 tips for improving your credit in 2024. Together they discuss the importance of narrowing down your specific credit goals, understanding your complete financial picture, digging deep into your annual credit report, and more! Tune in today and get the inspiration YOU need to finally achieve…
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On this episode of the podcast, Alex, Brit, Savannah, and Miriam share last-minute holiday spending tips submitted by fellow SAFE Credit Union employees. During the discussion they mention creative strategies for reducing spending, responsibly utilizing credit cards, deciding between wants vs. needs, alternative gift giving ideas, and much more! Th…
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On this episode of the podcast, Alex and Savannah talk about increasingly popular specialty savings accounts - specifically, FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts.) Together they discuss the benefits of taking advantage of specialty savings accounts, the importance of fully understanding your employer benefits, helpful t…
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On this episode of the podcast, Alex once again welcomes SAFE Credit Union's Certified Financial Educator, Miriam Dougherty, to discuss the strong connections between money and relationships. Together they provide insights on the importance of discussing money matters with your significant other, helpful tips for having financial conversations at A…
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The Return of Student Loans: Debt Forgiveness, Repayment, and Shifting Your Budget
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32:21
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On this episode of the podcast, Alex and Brit are joined once again by SAFE Financial Educators Miriam Dougherty and Savannah Brown. Together the podcast team discusses recent updates on the status of the Biden Administration’s student loan forgiveness efforts, student loan repayments, and programs that may assist graduates with navigating the shif…
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Food Literacy Center (Building CommYOUnity Nonprofit Spotlight)
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September is Building CommYOUnity Month at SAFE Credit Union and the podcast team is celebrating with a nonprofit spotlight! On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Amber Stott from Food Literacy Center, a Sacramento-based nonprofit. The mission of Food Literacy Center is to, "inspire kids to eat their vegetables" by…
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The Intern Takeover! (SAFE 2023 Summer Internship)
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Attention! The interns have taken over! On this episode of the Perfect Cents Podcast, SAFE's 2023 High School Interns are in the hosting seat and turning the tables on the podcast team. Tune in as the students take turns interviewing Alex, Brit, and Savannah about SAFE's Community Impact projects, financial advice for high school Seniors, the keys …
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On this episode of the Perfect Cents Podcast, Brit and Alex welcome two of SAFE's best and brightest Professional Experts (Dominic Davenport and Louis Mariner) to discuss the positive impact of having Money Conversations with Kids. Tune in as they share valuable insights and ideas to help YOU share the gift of financial wellness with the youngsters…
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Season 5 has arrived! On this episode of the Perfect Cents Podcast, Alex, Brit, Miriam and Savannah share candid updates on their individual debt payoff challenges and discuss the changing life circumstances that have influenced their overall debt profiles. Then, the podcast team dives into a conversation about enjoying Summer on a budget. Listen a…
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On the Season 4 finale of the Perfect Cents Podcast, Alex & Brit welcome Jazmine Chatman, Joseph Mayeux, and LaTroya Johnson from SAFE's Black@SAFE (B@S) Employee Resource Group to recognize the importance of Juneteenth, which became a federal holiday in 2021. Throughout the episode, they chat about the significance of Juneteenth, what the holiday …
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May is Mental Health Awareness Month! Join Alex & Brit as they sit down with SAFE's Chief Human Resources Officer, Colleen Nerius to discuss the various connections between mental health and financial wellness. Throughout the discussion they uncover the impacts of financial stress on one's overall wellness, how that affects their productivity in th…
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Nonprofit Spotlight: Big Day of Giving 2023
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Big Day of Giving is here once again and the Perfect Cents Podcast team is celebrating by sharing the love with several amazing nonprofits serving our community. Join Alex & Brit as they spotlight ten nonprofits that SAFE will be supporting for Big Day of Giving 2023. Listen as our co-hosts are joined by guests from The Gathering Inn, Single Mom St…
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Invest in Sustainability: Of Land And Sea (Part 2)
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17:46
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On this episode of the Perfect Cents Podcast Alex & Brit welcome the owners of Of Land & Sea Co. to discuss the various ways YOU can go green this Earth Day! During their conversation they chat about the benefits of shopping at a local refill store and the positive environmental impacts of choosing Earth-friendly swaps, while debunking some common …
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Invest in Sustainability: Too Good To Go (Part 1)
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On this episode of the Perfect Cents Podcast Alex & Brit welcome Sarah Soteroff from Too Good To Go to discuss the various ways YOU can go green by reducing food waste this Earth Day! During their conversation they chat about the positive impacts of eliminating unnecessary food waste and the innovative concept of the Too Good To Go app, while debun…
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April is Financial Literacy Month and the Perfect Cents Podcast team is here to highlight all the exciting things SAFE Credit Union is doing to celebrate! Join Alex, Brit, Miriam and Savannah as they share progress updates on their individual debt payoff journies and discuss the many ways SAFE is increasing access to Financial Education for our ent…
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Ready, Set, Zogo: Learning, Earning, and Pineapples
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16:59
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On this episode of the Perfect Cents Podcast, Alex & Brit sit down with Hannah Berkowitz from zogo, a fun and exciting mobile app that provides on-demand learning modules with a focus on financial education topics. Together they chat about SAFE's recent partnership with zogo, the benefits of having financial education at your fingertips, and how YO…
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On this episode of the Perfect Cents Podcast, co-hosts Alex & Brit sit down with SAFE Credit Union's first female CEO & President, Faye Nabhani in celebration of Women's History Month. Throughout the discussion they chat about Faye's lifelong credit union journey, the importance of building financial freedom and the lasting positive impacts of ment…
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America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Alex & Brit for Episode 5 as they welcome Sylvia Garcia (Real Estate Processing Manager at SAFE Credit Union) to talk about Saving At Any Age. Throughout the episode they highlight the importance of starting your …
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America Saves Week #4: Paying Down Debt Is Saving
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America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Jointhe Perfect Cents Podcast team for Episode 4 as they sit down to discuss how Paying Down Debt Is Saving. Throughout the episode they share updates on their 2023 debt payoff goals and provide valuable insights about…
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America Saves Week #3: Saving for Major Milestones
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America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 3 as they sit down with special guest Daniel Trujillo (Relationship Officer/Work Team Lead at SAFE Credit Union) to talk about Saving for Major Milestones. Throughout the episode they discu…
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America Saves Week #2: Saving for the Unexpected
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America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 2 as they sit down with special guest LaTroya Johnson (Contact Center Service Representative at SAFE Credit Union) to talk about the importance of Saving for the Unexpected. Throughout the …
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America Saves Week #1: Saving Automatically
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14:25
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America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 1 as they sit down with special guest Mike Knitter (VP, Total Rewards at SAFE Credit Union) to talk about strategies for saving automatically. Throughout the episode they discuss easy and a…
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Paying for College: Scholarships and Financial Aid
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On this episode of the Perfect Cents Podcast, co-hosts Alex & Brit chat with special guest Jeff Lackey from Sallie Mae to discuss all things related to paying for college! Tune in as they covers topics such as scholarships, grants, student loans, FAFSA, financial aid packages and more! Not applying for college or financial aid anytime soon, but kno…
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Season 4 is officially here! On this episode of the Perfect Cents Podcast, Alex, Brit, Miriam and Savannah candidly discuss their personal experiences with debt, the different types of debt, and their goals for paying off debt in 2023. The podcast team also highlights three common strategies for paying down debt: The Snowball, The Avalanche and Deb…
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2 Cents: Introducing... Miriam and Savannah!
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15:09
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On this short two cents episode, Alex & Brit introduce listeners to our awesome Financial Wellness Educators at SAFE Credit Union, Miriam Dougherty and Savannah Brown! Miriam and Savannah are a wealth of knowledge when it comes to personal finance and are thrilled to contribute their expertise to the podcast. Be sure to stay tuned for more content …
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Should auld acquaintance be forgot... Join Alex & Brit as they wrap-up Season 3 and share the final updates on their annual goals! On this episode of the Perfect Cents Podcast our co-hosts recap the 52-Week Savings Challenge and their respective 22 for 2022 lists, all while reflecting on the biggest wins of the year and revealing the lessons they l…
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Estate Planning Fundamentals with Ed Fong
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27:32
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Content Warning: This episode discusses the topics of estate planning and death. While we understand that these topics may be sensitive for certain individuals, we ask you to review the full episode description below and proceed accordingly. Join Alex & Brit as they welcome Ed Fong (Attorney-at-Law) for a discussion about the importance of establis…
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Join Alex, Brit & SAFE's VP, Information Security Farrell Mapp, for an episode focused on helping YOU stay safe online! On part 1 of this double-episode of the Perfect Cents Podcast our co-hosts chat with Farrell about common scams conducted by online fraudsters and share steps you can take to thwart would-be scammers. Additionally, they discuss si…
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Join Alex, Brit & SAFE's AVP, Enterprise Risk Management David Techau, for an episode focused on helping YOU prevent fraud and stay safe! On part 2 of this double-episode of the Perfect Cents Podcast our co-hosts chat with David about common check scams and potential warning signs you can look out for to protect your finances, identity and other pe…
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On this episode of the Perfect Cents Podcast, Alex & Brit welcome Kevin Buffalino from Sacramento Food Bank & Family Services and Joe Robustelli from Alchecmist CDC to discuss the idea of giving graciously during the holiday season. Sacramento Food Bank & Family Services and Alchemist CDC both received grants from SAFE Credit Union in quarter 3 and…
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'Tis the season...for smart holiday shopping tips! On this episode of the Perfect Cents Podcast, Alex & Brit share tips they've crowdsourced from fellow SAFE Credit Union employees for ways to help your budget during the holiday season. Tune in to see how you can utilize these tips in your shopping plan this year. Because saving money during the bu…
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One Year Anniversary & International Credit Union Day 2022
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Happy International Credit Union Day! Join our co-hosts as they celebrate the one year anniversary of the podcast and International Credit Union Day 2022. On this episode, Alex & Brit welcome special guests, Hector Madueno & Amanda Merz to talk about SAFE's ongoing commitment to Financial Education and Community Impact. Together they discuss the Cr…
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Check Your Goals Before You Wreck Your Goals: Quarterly Check-in #3
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On this episode of the Perfect Cents Podcast, Alex & Brit conduct the 3rd quarterly goals check-in and share their progress on the 52-Week Savings Challenge and their 22 for 2022 lists! Together they highlight the biggest discoveries they've made in the last 3 months while sharing best practices and offering insight on how you can adjust your goals…
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The future of the automotive industry is electric and consumers are growing increasingly curious about the benefits of owning an electric vehicle. On this 2 Cents episode Alex & Brit are joined by SAFE Credit Union colleagues Avi Naidu, Susan Burns, and Tim Escobar who share their personal testimonials of owning an electric vehicle. Tune in as our …
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On this episode of the Perfect Cents Podcast, Alex & Brit team up with Jonathan Downes to discuss the benefits and challenges of gas and electric vehicles! During the Professional Experts segment they provide an overview of the various pros and cons of owning a gas-powered vehicle, in addition to the pros and cons of EVs. In the Best Solutions segm…
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On the Season 3 debut of the Perfect Cents Podcast, Alex & Brit tackle a topic at the front of everyone's mind... inflation. During the Professional Experts segment our hosts are joined by Jonathan Downes, Financial Education Specialist & Content Designer. Together they help define common inflation terms and explain some of the main factors that ca…
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Join Alex & Brit for the first ever 2-Cents mini episode! Listen as they preview Season 3 and share exciting updates to the existing show format. Tune in and learn how each episode will incorporate dedicated segments to help YOU take control of your financial situation and become a greater force for good in your community. New segments include: Pro…
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On the Season 2 finale of the Perfect Cents Podcast, Alex & Brit provide listeners with 5 helpful tips for Back to School shopping on a budget! Throughout the discussion, they also highlight money-saving ideas shared by experienced parents and talk about the importance of setting your student up for success in the upcoming school year. From doing y…
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Check Your Goals Before You Wreck Your Goals: Listener Check-In #2
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24:47
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On this episode of the Perfect Cents Podcast, Alex & Brit conduct the second listener check-in and share their progress on the 52-Week Savings Challenge and their 22 for 2022 lists! Along the way, they highlight the biggest discoveries they've made in the last 6 months while sharing best practices and offering insight on how you can adjust your goa…
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Debunking Mortgage Myths with Samo Korosec
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29:41
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When purchasing a house, can you separate mortgage facts from fiction? On this episode of the Perfect Cents Podcast, Alex & Brit take the backseat as Financial Educator Jason Fonseca & Sr. Mortgage Officer Samo Korosec debunk common mortgage myths. They provide insights about the benefits of buying vs. renting, the ins and outs of a mortgage transa…
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Mortgage 101 with Ashley Van Den Berg & Brad Barroso
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23:05
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Buying a new home? Thinking of what it takes to purchase a home? On this week's episode of the Perfect Cents Podcast Alex & Brit are joined by SAFE Credit Union mortgage gurus Ashley Van Den Berg and Brad Barroso to help you gain some knowledge to feel confident when buying a home. #knowledgeispower They discuss the home buying process, how to over…
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Habitat for Humanity with Laine Himmelmann
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22:07
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On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Laine Himmelmann from Habitat for Humanity, Greater Sacramento! They discuss Habitat for Humanity's Homeownership program, Home Repair program and their local ReStore. Throughout the episode they highlight Habitat's mission to eliminate substandard housing and provide access to…
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Let's Get Schooled with Savannah Brown: SAFE Credit Union Internship Program
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20:18
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On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Savannah Brown from SAFE Credit Union's Organizational Development team! Together they discuss SAFE's annual internship program, which provides Sacramento-area high school students with professional training and work experience at its 3 on-campus branch locations. Additionally,…
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