April may be here, but we're not letting our guard down against fraudsters! While March was Fraud Awareness Month, protecting yourself against scams and cybercrime is a year-round endeavour. That's why Carla is joined by Rachel, our cyber-crime super hero and Director of Cyber Market Intelligence and Financial Crimes at Interac Corporation. In this episode, Rachel shares her insights on the creativity and adaptability of fraudsters and the lengths they'll go to get their hands on your information. From apartment rental scams to spontaneous text messages from unknown numbers, she offers practical tips on staying vigilant and what to do if you fall victim to fraud. So always remember to double-check offers, keep your personal information private, and don't let scammers be a one-hit wonder in your life!  

Today’s topics include:   

• The importance of protecting yourself against fraud and cybercrime year-round, not just during Fraud Awareness Month in March  
• Creativity and adaptability of fraudsters, and the need to stay vigilant against their evolving tactics  
• Examples of new spins on old scams, such as rental deposit scams and urgent text messages from unknown numbers  
• Tips on how to stay vigilant and protect yourself from fraud and cybercrime  
• What to do if you find yourself a victim of fraud, including reporting the incident and contacting your bank or credit card company   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

We’ve all heard of fraudsters, but do we really know how to detect a scam when we're faced with one in the moment? With March being Fraud Awareness Month, Carla is here to make sure we don't fall for fraudsters and their sneaky tricks. In this episode, she discusses the creativity scammers will go to and shares a few of the most common scams out there to beware of. From the infamous Nigerian Prince scam to phishing scams or the newer "Can you hear me?" scam, fraudsters are always coming up with new ways to trick people out of their money and personal information. Remember, if it seems too good to be true, it probably is! Tune in to this episode to learn more about the minds of fraudsters and how you can protect yourself and others from these cold-hearted snakes. 

Today’s Topics Include: 

• The importance of staying vigilant when it comes to scams  
• Breaking down the most common scams to be aware of  
• What to do if you personally fall victim to a scam  
• Tips for staying proactive against fraud in your day-to-day life 
• Knowing how to proceed with caution when something seems too good to be true   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

Wise men say that only fools rush in, and news flash: it's still Fraud Awareness Month, so let's get real about romance scams and the dangers of falling for fake love. These scammers are like Cupid's evil twin, using fake profiles to target lovestruck individuals looking for companionship. They'll use all kinds of cheesy lines and emotionally manipulative tactics to gain your trust and eventually ask for money. But don't be fooled; Carla's got some hot tips to help you protect yourself and instruct you on what to do if you do get played by one of these romance scammers. So tune in, don’t fret, and just remember that you're in control of your heart and your wallet. Stay smart, stay safe, and swipe left on those scammers! 

Today’s topics include:   

• The art of romance scams and how they work  
• Remaining on guard if someone is coming on too strong, too fast   
• What it might mean if they are avoiding video calls or meeting in person  
• Being aware of inconsistencies with spelling and grammar with your online pen pal  
• Why proceeding with caution and taking things slow is the way to go  
• Creeping and why Carla is giving you full permission to do so   
• The major red flag of online money transfer requests   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Every year, millions of hard-working, respectable citizens fall victim to fraud. From investment scams to identity theft, it’s incredibly common for it to find its ugly way into so many of our lives, and this March, in honour of Fraud Awareness Month, Carla is addressing it! Sure, it isn’t the most thrilling topic in the world, but it’s beyond necessary to discuss, and let’s face it, we could all use some help when it comes to outsmarting the pesky fraudsters out there. With an in-depth breakdown of 10 proactive tips to consider and an accompanying song (of course), this episode will empower you to become more vigilant, take your power back, and help reduce your risk of becoming the next victim.   

Today’s topics include:   

• Why determining what’s considered an unsolicited text or phone call is detrimental   
• The practice of protecting your personal information and confidentiality   
• Early fraud detection and regular credit report audits   
• Unique and strong password curation   
• How to avoid deals that seem too good to be true   
• The utilization of security software    
• Online shopping and proceeding with caution   
• The importance of practicing safe money wiring   
• What to do if you think you’ve been a victim of fraud   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

As women, our relationship with money can be incredibly complex. From wage gaps to being mothers, caretakers, and so much more, there are a variety of factors that can work against us as we attempt to financially flourish in our lives. Although the majority of these hinderances are beyond our control, there are steps we can take to improve our financial situations, and today, Carla is saying "let’s go girls" and bestowing some of that Shania energy on all the ladies listening out there. So go ahead, dust off that notepad, and prepare to turn the beat around with the top 10 essential tricks of the trade for women looking to level up their money game.  

Today’s topics include:    

• The benefits of budgeting and utilizing the fellow women in your life for accountability   
• Emergency funds and why they are beyond necessary   
• Why addressing your debt now will only benefit you later   
• Retirement savings planning and the importance of taking your future self into consideration   
• Salary negotiation and the incredible impact it can have on your financial state   
• Improving your financial knowledge and making smarter financial decisions   
• Shopping smarter, avoiding impulse purchases, and tips to cut costs   
• Side-hustle considerations and why your savings will ultimately thank you   
• Monitoring your credit score consistently and reasons to be hyper-aware of where it’s at  
• How seeking professional financial advice will help keep you on the right path   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

This week, Carla is wrapping up the month with something fresh and different! As February comes to a close, it’s the perfect opportunity for some self-reflection and personal growth, and what better way to do that than with a fun little game? If you grew up in the 90s, you A. remember what a magazine actually is and B. remember the personality quizzes found in the most popular magazines like Cosmo or Seventeen (IYKYK). In this episode, we’re shaking things up, travelling back in time to a world before cell phone scrolling existed, and playing a good old-fashioned game of "two truths and a lie." Focusing on our relationships with money, you’ll find out where you stand and have the opportunity to reflect on what is true for both yourself as an independent or for your partnership as it pertains to finances. Have fun, don't be afraid to laugh, and good luck! 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are

Let’s face it, being single in February can be a tough gig at times. You’re constantly being bombarded by all things centered around Valentine’s Day, and it can bring out a full range of emotions. On one hand, you might be feeling lonely, but on the other, you might be relieved that you don’t have to share your candy. So many sides to the coin! Another major benefit of being single is the ability to pursue your very own financial independence, and today, Carla is back on the mic to hype you up and lay the groundwork for how to approach this luxury. In this episode, she’ll be sharing the top 10 essentials to know when becoming financially independent to help you work towards living the kind of life you ultimately want to live! From budgeting, investing, debt repayment, estate planning, and everything in between, by the end of this episode, you’ll be equipped with the necessary tools, knowledge, and appropriate hype-song to financially invest in yourself for the long haul, regardless of your relationship status.  

Today’s topics include:   

• Hype songs and their powerful abilities to help you achieve your goals 
• The benefits of being aware of your current financial situation   
• Knowing and monitoring your credit score and how it will benefit you in the long run   
• How budgeting and utilizing budgeting tools is a crucial factor in the pursuit of financial independence   
• The art of saving and investing—and why your future self will thank you   
• Understanding taxes and how you can use this knowledge to your advantage 
• Debt repayment planning and why denial is not bliss   
• The necessity of estate planning and the ways this morbid concept will only positively contribute to your legacy   
• Why seeking help from a financial advisor is never a bad idea 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Well, it’s almost Valentine's Day, and the smell of overpriced flowers and chocolate is in the air! If you’re in a relationship, you know it can be a challenge to know what to do every year in order to celebrate accordingly. For some, Valentine’s Day is an elaborate date night out on the town, a trip to the spa, or going to see a movie; for others, it’s a total afterthought. If you’re stuck on what to do this year, no sweat. Carla’s got your back and is hopping on the mic this week to give you the ultimate, risqué conversation starter this V-day: money. After being in a long-term relationship herself, Carla knows better than anyone how crucial an open dialogue about money is to the health and success of any partnership. So whip out that notepad, crack that bottle of vino, and dive into the ten most juicy and essential financial questions you should be addressing with your partner. It’s time to "talk about money, baby; let’s talk about you and me!". 

Today’s topics include:   

• How to address long-term financial goals as a couple  
• Why it’s essential to set up a retirement plan 
• Monthly budgeting as a couple and how to approach it   
• The importance of emergency savings and why it’s beyond necessary   
• Addressing debt and creating a payoff plan as a unified partnership  
• Best practices for dividing and conquering financial responsibilities in a relationship   
• Opening a dialogue about living situations and solidifying a long-term plan of attack  
• Education savings and opening the conversation about your children’s future  
• Creating an investment strategy as a team and breaking down your short, medium, and long-term goals  
• Preparing for unexpected financial setbacks and expenses in a partnership   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Ah, February! The month of love. Being in 2023, we now know more than ever that love comes in many different forms. From self-love, to romantic love, it’s a many-splendored thing that we have the pleasure of experiencing in our lives. But, as a financial institution, Carla and the Tandia team have quite literally seen it all, and know that when it comes to mixing love and finances, it isn’t all sunshine and roses. Let’s be honest, no matter what kind of relationship you’re in, dealing with finances between two confident individuals comes with its fair share of challenges, and today, Carla is offering solutions on how to ease these financial bumps on the road of love, so you can be your best self both as an individual and in a partnership. Think of her as your financial love guru or therapist. From tips on communication to setting expectations and navigating personality traits, you’ll gain insight on what it takes to maintain a healthy dynamic between money and your love life so you can feel confident enough to buy yourself flowers, just because.   

Today’s topics include:   

• The benefits of open lines of communication, grace, and understanding when it comes to finances in a partnership   
• Blending finances and finding what works best for you and your relationship   
• Differences in salary and letting go of the "It’s not yours, it’s mine" approach   
• The art and importance of setting financial expectations together as a unified partnership  
• Why understanding your individual financial views, triggers, and capabilities is a relationship game changer   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

The end of January can feel both relieving and daunting all at once. On one hand, we’re thrilled to be one month closer to warmer days, and on the other, we’re feeling guilty over the new year’s goals and intentions that may have fallen by the wayside. But the good news is that February is a new month and a new opportunity to take control of your financial reality. As the great Jon Bon Jovi once said, "It’s my life, and it’s now or never" and as a closeted fan, Carla is back on the mic to help spread this powerful message and influence you to take action. She knows it can feel overwhelming to know where to start when you’re caught up in making habitual financial decisions, but much like a Peloton ride, the hardest part is just clipping in. Tune in for the gentle reminders and advice you didn’t even know you needed to get you on the right track when it comes to your finances. And remember, you can do hard things (as well as your own Bon Jovi tours)!  

Today’s topics include:   

• Financial paralysis and the overwhelming reality of having too many options   
• Finding a financial bestie to help guide you and get you started on your goals   
• Why it’s important to start with one financial habit you’d like to fix and build from there  
• The art of breaking down your big goals into smaller, more manageable goals   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are