Credit Success’ Post

We 🤍 client feedback... I really get anxious talking about money, finances, rates etc. as it is definitely an area that I have never taken an interest to learn about. I so appreciate your Team’s patience and clear explanations. Things seem to be falling into place and we are sincerely grateful for the Lowe Team’s expertise. I can’t speak more highly of how your team has helped us and changed our future!!! Thanks, D. Campbell Want change your future too? Follow the link and book a meeting https://ow.ly/A5Yu50TaUUe #LoweandAssociatesPWM #IGWealthManagement #HappyClients #ClientTestimonial #YYC #FinancialAdvisor #WealthManagement

I know what you're wondering. You're wondering, "I wonder whether Martin's attending Credit Week at Celtic Manor next week (17-19 June)?". You're also wondering whether the 17th to the 19th is actually a week. It isn't: they're packing a week's worth of credit-based knowledge and entertainment into an amazingly compact, fun-packed three-day jamboree. Anyway, wonder no more, because I can exclusively reveal that I will indeed be there, ready to answer searching questions like: what's that thing you do with Open Banking data? How can we transform our Collections process using digital methods? Have you got any free merch on this stand? Fancy a pint? If you're going too, come and say hello. Or, check out our range of drop-in clinics and book yourself in: (https://lnkd.in/e_Qg62PQ). Here are some #hashtags which might not work on Linked In or indeed anywhere: #ACreditWeekToRemember #CreditWeek #WhatIf

We 🤍 client feedback... I really get anxious talking about money, finances, rates etc. as it is definitely an area that I have never taken an interest to learn about. I so appreciate your Team’s patience and clear explanations. Things seem to be falling into place and we are sincerely grateful for the Lowe Team’s expertise. I can’t speak more highly of how your team has helped us and changed our future!!! Thanks, D. Campbell Want change your future too? Follow the link and book a meeting https://ow.ly/wov450TaUUf #LoweandAssociatesPWM #IGWealthManagement #HappyClients #ClientTestimonial #YYC #FinancialAdvisor #WealthManagement

Congratulations to our new client! 🎉💼 What started as leasing a portion of a building to run her store has now turned into owning the building. Proof that hard work, vision, and the right partnerships can turn dreams into reality—and that the American Dream is still alive and well. 🇺🇸✨ But this win isn’t just about her—it’s about her family, her employees, and her community who now get to look at her success and say, “Wow, she did it—maybe we can too!” When we first met, I was blown away. Not 1, not 2, but 4 profitable businesses? I immediately thought, her bank must be taking care of her. But as we talked, I realized her banking was scattered—different accounts, different systems, and no real partnership to tie it all together. I asked her, “How would you like a one-stop partnership—someone who handles your lending, deposits, and payment processing? Someone who doesn’t just wait for your call but reaches out first with ways to save and improve your cash flow?” Today, she gets to focus on what matters most—growing her businesses and building her legacy—knowing she has a partner who’s already thinking ahead for her. We’re proud to partner with another incredible Philadelphian and can’t wait to see what’s next for her journey! 🚀💼 #Congratulations #CashFlow #BankingPartnerships #PhiladelphiaBusiness #banking #business WSFS Bank

Kachinga Launches White-Labeled Financial Literacy Solution for Credit Unions Learn more & get our take 👇 https://lnkd.in/gwmkQr_y “Our technology empowers credit unions to support families’ financial literacy experience under the credit union’s brand. This means credit unions don’t have to compromise on branding or redirect their members to a third-party card or platform, keeping member engagement and assets right where they belong.” — Bill Butler, CEO at Kachinga “We’re bridging the gap for credit unions aiming to attract new, younger audiences with a truly innovative financial education experience.” — Lisa Arthur, U.S. Managing Director at Sensedia #SoFNews

It’s financial literacy month - so let’s talk credit. The economy runs on credit. It’s how we pay for the things we want and need.  When extended responsibly (emphasis on responsibly), credit can do a whole lot of good. It boosts spending power, improves quality of lives and can help spread out purchases big and small to better manage budgets. But not all forms of credit are created equal. Many are littered with fine print and junk fees like deferred interest (which most Americans think should be illegal btw), and other hidden charges like late fees. Over the years I’ve come to realize that the best way people learn how to manage their finances is through experience. Naturally, many people learn from mistakes - myself included, especially when they hit that “oh crap moment.” But it doesn’t have to be this way. I don’t expect other financial products to change their business models overnight to align their interests with consumers like we do at Affirm. But it’s on us across the financial services industry to offer products that help consumers improve their finances, rather than risk them. At Affirm, we have zero business benefit if a consumer doesn’t pay us back, so we only extend access to credit that we believe can and will be repaid.

Part 1: Understanding Money, Income, and Wealth Money isn’t the goal—it’s the tool that helps build your dreams. Think of it like a hammer: it’s not the masterpiece but the means to create one. Use money to fuel goals like owning a home, pursuing education, or experiencing life’s milestones. Next comes income. Many think income is what you spend, but I advocate the “savings-first equation”—Income - Savings = Expenses. Saving before spending ensures you’re building your future first, even if it’s just a small amount. True wealth goes beyond bank accounts. It’s about security, freedom, and the impact you can make. Wealth is what you can sustain, share, and enjoy without fear. 📩 Bring financial wisdom to your workplace! Contact me at armandbengco@gmail.com. Let’s transform how your team manages money. This three-part article stems from my recent engagement with Bingo Plus Foundation, where I had the privilege to share practical financial literacy insights during their CSR initiative. Inspired by the session, I’m presenting these essential lessons to help individuals and organizations make smarter money decisions, manage windfalls wisely, and build a secure financial future. Let’s dive into the PERAKTIKAL approach and how it can empower your team or company! Who is Armand Bengco? I’m a financial literacy advocate with decades of experience hosting TV and radio programs, conducting engaging seminars, and guiding businesses in capital advisory and investment strategies. My PERAKTIKAL approach blends practicality, minimalism, and the mindset of “worth it” to transform how individuals and teams manage money. Let’s work together to empower your organization! #FinancialLiteracy #PERAKTIKAL #SmartMoney #InvestmentAdvisory #WorkplaceWellness #StealthWealth #MinimalismFinance #ArmandBengco #CorporateSeminars #WealthBuilding #bingoplusfoundation #personalfinance #pisobilities

What does member financial wellness have to do with credit unions strategy? Everything, because we are cooperatives! If you are credit union leader and are responsible for CU strategy and/or financial education program(s), I would love to talk to you about changing the paradigm in this space. It is time. #CUSO #CreditUnions #FinancialWellness #FinancialHealth #MemberWellness #Cooperatives #Investment #OwnTheSolution

Financial literacy is a cornerstone of independence, yet it’s a skill often overlooked in education. I love seeing how initiatives like NatWest Rooster Money, empower children to save, budget, and think entrepreneurially from a young age. These are the kinds of tools that equip the next generation to navigate an increasingly complex financial world with confidence. At 21 Skills Hub we’re committed to making these skills accessible to all young people. By teaching practical financial management, we’re not just preparing kids for the future—we’re helping them shape it. We didn't get to learn these skills at school, but we can certainly ensure we teach them to our children. If you’re as passionate as we are about equipping the next generation with these essential tools, I’d love for you to join our journey. Check out our free services waitlist and let’s work together to build a financially empowered future! #FinancialLiteracy #EmpoweringYouth #21SkillsHub #FinancialEducation #FutureLeaders #lifeskillsforkids #skillsforlife #personalfinance #youthempowerment

Beyond the Swipe: How Cash Ignited My Financial Understanding (and Why Kids Today Might Miss Out) A true story about cash by Michelle McGowan, Head of Commercial Operations In the dim glow of the fireplace, Grandad's pipe smoke hung like a fragrant curtain. Curled up on the rug, I watched in fascination as he pulled out his wallet. Unlike the plastic cards I now reluctantly use, this was a worn leather relic bursting with something far more tangible – cash. Crisp notes, their denominations proudly displayed, spilled out like a colourful puzzle. The real magic happened next. With practised ease, Grandad separated the notes. Four distinct piles grew on the table. It wasn't just the stacks themselves; it was the weight of the cash in his hands, the crinkling of the paper that seemed to speak of value. He'd secure each pile with a rubber band, a simple act that felt like a grand ceremony to my young eyes. "One for bills," he'd announce, his voice booming, "one for groceries, one for savings, and one for…" a twinkle would appear in his eyes, "treats!" I didn't understand the adult specifics back then, but the power of that physical cash resonated deeply. It wasn't just numbers on a screen; it was the weight of responsibility, the satisfaction of holding your future in your hands. Today, with plastic and digital payments ruling the world, kids might miss that crucial connection. We see money as abstract numbers, easily swiped away with a tap. But Grandad's ritual, the way he treated each note with respect, taught me a lesson that transcended age. It wasn't just about budgeting; it was about understanding the value of hard work, the importance of planning for tomorrow, and the sweet satisfaction of seeing your money grow, note by note his four envelopes weren't just a system – they were a symbol of financial responsibility, a lesson I carry with me even today. It's a reminder that true financial security doesn't come from tapping and swiping, but from the mindful management of the very thing that allows us to build our lives – real, tangible cash. What are your thoughts? Share your experiences with cash and its role in financial literacy. Let's explore ways to bridge the gap in the comments! #MoneyManagement #CashIsKing #FinancialEducation #G4Scashsolutions