A Penny or Two for Your Thoughts

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May 2026

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A Penny or Two for Your Thoughts was created by two moms, two marketers, two women new to the financial industry who had a lot of questions. Banking and finances can be emotional and sometimes it's hard to ask questions we think we should know. That is where Chantel and Liz jump in asking all the questions, hoping they can help listeners along their financial journey. The episodes are interview-style with knowledgeable local guests. Each episode carries fantastic subject matter expertise that is easy to understand and relatable; sprinkled in with humor to engage listeners with a smile or a chuckle or two! We also end each episode by asking the guest to leave listeners with a Penny or Two for Their Thoughts which would be the key takeaways they would like the listeners to remember. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel! ]]>

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May 28, 202638 min

It's OK Not to Be OK: Workplace Wellness, EAPs & Breaking the Stigma | APOTFYT

Workplace mental health affects every team, every manager, and everyemployee — but most people still don't know what to say or where toturn. In this episode of A Penny or Two for Your Thoughts, hostsChantel Windeshausen and Liz Malmberg sit down with a panel ofexperts to talk openly about recognizing when a coworker is struggling,how to start that conversation, and the resources available to help.Joining the conversation are Molly Woodman, Director of CommunityEngagement at the Kim Foundation — a Nebraska nonprofit dedicated tosuicide prevention and mental health awareness — and Terry Coleman,Clinical Manager at Best Care Employee Assistance Program (EAP), whichprovides confidential counseling to hundreds of Omaha-area companiesand their employees. Centris Federal Credit Union’s own Chrissy Cunningham (BenefitsAdministrator) and Robin Fredieu (Director of Learning & Development)share how Centris is equipping its people leaders with the trainingand tools to build a psychologically safe workplace. From warning signsmanagers should watch for, to why confidentiality in EAP counseling isironclad, to the simple power of asking "How are you?" — this episodedelivers practical, compassionate guidance anyone can use.If you or someone you know needs support, dial or text 988 (Suicide &Crisis Lifeline) or visit bestcare.org and kimfoundation.org for freeresources.– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot ofquestions. Being two marketers and moms on a budget, we certainly haveall the questions. That's why we're bringing in the subject matterexperts to help educate us on all things financial and get theirthoughts to help improve our financial wellness and the financialwell-being of our communities. Join us for a few laughs, some greatinsights, and hopefully, a few tips you can take on your path tofinancial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production.Hurrdat Media is a podcast network and digital media production companybased in Omaha, NE. Find more podcasts on the Hurrdat Media Network bygoing to HurrdatMedia.com or the Hurrdat Media YouTube channel!

April 23, 202639 min

Why Credit Building Matters After Prison - A Powerful Omaha Reentry Story | APOTFYT

What does it really take to rebuild a life after prison? In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Ivonne Yvonne Martinez, Financial Sales Manager at Centris’ Ames branch in Omaha, and Shane Reilly, Program Director and Development Director of Never Give Up Transitional Living, to talk about recovery, reentry, second chances, and the role financial education can play in helping people move forward.  Shane shares his powerful story of addiction, incarceration, recovery, education, and how he built a new path helping other men returning from prison. Ivonne Yvonne explains how Centris partners with Never Give Up to teach credit, savings, secured loans, and financial basics that help participants build confidence and stability. Together, they unpack why trust, accountability, community, and financial tools matter so much in the reentry process.  The episode also highlights how Never Give Up Transitional Living supports men through structured recovery, housing, credit building, employment support, and skilled-trades training in Omaha. Never Give Up describes itself as an 84-day structured transitional housing program under the nonprofit Good Turn Labor, supporting formerly incarcerated individuals as they reintegrate into the community.  Learn more about Centris at centrisfcu.org and more about Never Give Up at nevergiveupomaha.org. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.   Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production.   Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel! 

April 2, 202652 min

How to Build Career Capital and Grow at Work With Confidence | APOTFYT

What if the best career advice isn’t “follow your passion,” but build your career capital instead?In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Brittany Welch, senior learning and development specialist and career coach at Centris, and Alma Corrales, a vault teller at Centris who helps train new team members, to talk about what actually creates long-term growth at work.They break down how career capital is built through skills, experience, reputation, curiosity, and stretch opportunities. The conversation covers confidence, communication, public speaking, networking, mentorship, and the small “micro-deposits” that compound over time into bigger opportunities. Brittany also explains what it looks like to overspend your career capital, while Alma shares how asking questions, taking initiative, and saying yes to uncomfortable growth moments helped shape her path.If you’ve ever felt stuck, plateaued, or unsure what your next move should be, this episode offers a practical and honest way to think about career growth right now.Learn more at CentrisFCU.org or call 402-334-7000.– About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!#centrisfcu #careerdevelopment #careergrowth #professionaldevelopment

March 19, 202629 min

Credit Unions for Kids: How Community Donations Make a Big Local Impact | APOTFYT

How can something as simple as using your debit card make a real difference for local kids? In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Diane Cruz, assistant vice president, retail financial services at Centris Federal Credit Union, and Jane Phillips, director of development at Children’s Nebraska Foundation to talk about Credit Unions for Kids, benefiting Children’s Miracle Network, and how Centris members can help support children and families right here in Nebraska.  They discuss how local fundraising supports programs like child life services, pet therapy, the Rainbow House, and new hospital innovation projects. They also share the story of Ryker, a Children’s Miracle Network Champion, and explain why community giving through credit unions creates such a powerful local impact.  Learn more about Centris at centrisfcu.org or connect with Children’s Nebraska Foundation at https://www.childrensnebraska.org/give to support their mission. Centris Federal Credit Union serves communities across Nebraska and helps members improve their financial wellness while investing in causes that matter locally.  – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.  Visit us at our website: https://www.centrisfcu.org/a-penny-or...  Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY...  Apple Podcasts: https://podcasts.apple.com/us/podcast...  *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

January 29, 202649 min

Your Personal Brand Starts Before You Speak (Here’s How to Own It) | APOTFYT

Two moms, two marketers, and a topic that affects your career before you even say hello. In this episode of A Penny or Two for Your Thoughts, Chantel Windeshausen and Liz Malmberg talk personal branding and what it really means beyond clothes.They’re joined by former Centris teammate Katie Braga, now a personal stylist and certified color consultant, to unpack how your presence, body language, consistency, and even what you wear can shape trust, credibility, and opportunity. You’ll get practical ways to define how you want to be perceived, show up stronger on Zoom, and build confidence that feels authentic instead of forced.00:00 A Penny or Two for Your Thoughts kicks off: “man colds,” moms, and real-life chaos04:03 Meet Katie Braga: former Centris teammate turned personal stylist + color consultant10:43 What is personal branding? How you’re perceived at work (beyond outfits)12:45 Misconceptions about personal brand: it’s not just for executives14:18 Confidence before you speak: body language, presence, and credibility cues15:26 Imposter syndrome + standing out: stop shrinking to “fit in”20:43 Personal brand on Zoom: camera-on trust, communication, and virtual presence28:24 Leadership + growth: clarity builds trust, trust creates opportunity (key takeaway + shoutout)– About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or...   Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...  Apple Podcasts: https://podcasts.apple.com/us/podcast...    *Follow Centris on Social Media:*https://www.facebook.com/CentrisFCU  https://www.instagram.com/centrisfcu/  https://twitter.com/CentrisFCU   https://www.linkedin.com/company/centris-federal-credit-union/  This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

December 2, 202553 min

7 Omaha Nonprofits Changing Lives: Mental Health, Food Security & Housing Support | APOTFYT

This Giving Tuesday episode brings together seven incredible organizations making a real difference in the Omaha community. Hosts Chantel Windeshausen and Liz Malmberg, along with Centris Vice President of Community Relations, Dawn Gonzalez, sit down with five of the seven 2025 Centris Community Impact Grant winners to discuss their missions and the lives they're changing.Hear from Emily Moser of Ronald McDonald House Charities about providing a home-away-from-home for families with critically ill children. Representatives from Project Harmony's Connections program, Kodjovi and Joanna, discuss bringing school-based mental health therapy and expressive arts groups to Omaha-area students. Amy Krause and Leigh Sitenauer from Bags of Fun share how they deliver joy to kids battling serious illnesses. Melissa Nelson of Neighborgood explains how their market-choice pantry fights food insecurity in Sarpy County. And, Melissa Glenn from the Builder Foundation discusses training the next generation of construction trade specialists.Plus, hear about the homes Habitat for Humanity North Platte and Volunteers Assisting — two additional grant recipients unable to join but making equally important impacts.Bags of Fun Omaha: https://bagsoffunomaha.org/ The Builder Foundation: https://builderfoundation.org/ NeighborGood: https://neighborgoodpantry.org/ North Platte Area Habitat for Humanity: https://www.nphabitat.org/ Project Harmony Child Advocacy Center: https://projectharmony.com/ Ronald McDonald House Charities Omaha: https://rmhcomaha.org/ Volunteers Assisting Seniors (VAS): https://vas-nebraska.org/– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

October 10, 202558 min

40k Lost in Minutes: Tech Support Scams, AI Threats, and Protecting Your Kids Online | APOTFYT

On this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with fraud experts Ashley “Ash” Goodsell (Senior BSA Fraud Investigator at Centris), Michelle Vybiral (Assistant Vice President of Strategic Risk Management at Centris), and Deputy Michael P. Dechellis from the Douglas County Sheriff’s Office to tackle the scams hitting families hardest in 2025. From sextortion targeting teens with AI-manipulated images, to tech-support “refund” hoaxes draining thousands from seniors, to Nebraska’s new LB 609 crypto ATM law that could help victims get back stolen funds, this episode gives you practical tools to spot red flags and protect the people you love. With clear tips, emotional real-world stories, and insider expertise, you’ll walk away ready to shut down scammers and keep you and your money safe.– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

September 11, 202540 min

Closing a Credit Card HURTS Your Score?! (Myth vs Fact) | APOTFYT

Taylor Swift and Travis Kelce’s engagement may have “broken the internet,” but hosts Chantel Windeshausen and Liz Malmberg are here to bust an even bigger set of myths: your credit score. In this episode of A Penny or Two for Your Thoughts (produced by Centris Federal Credit Union and Hurrdat Media), Chantel and Liz welcome Centris AVP and longtime credit expert Ron VanSkiver for a playful yet practical “Mythbusters” spin on all things credit. From whether checking your score will hurt it, to why closing a card can backfire, to how one $25 subscription mistake dropped a score 100 points, the conversation mixes humor, family stories, and real-world money lessons you can use right now.00:00 Cold open — producer Rico, tequila jokes & pre-show banter00:25 APOTFYT intro — hosts Chantel Windeshausen & Liz Malmberg00:52 Taylor Swift & Travis Kelce engagement “breaks the internet”02:09 Back-to-school life: five-year-old fatigue & senior-year feels 05:05 Credit Score “Mythbusters” — today’s game plan05:30 Guest intro: Centris AVP Ron Van Schuyver (39 years in finance)06:27 Fun fact & branch leadership; agribusiness degree06:55 Welcome Ron — virtual setup & vibes08:06 What is credit? Why it matters for cars, homes & rates09:46 How credit scores impact approvals and interest rates10:56 Why credit myths persist & what lenders actually look for11:22 Myth #1: Does checking your own credit score lower it? (soft pulls)13:39 Myth #2: Should you carry a balance to build credit? (30% utilization)15:49 Adulting & the “free pizza” credit-card cautionary tale16:34 Myth #3: Will closing a credit card hurt your score? (utilization & age)18:41 Myth #4: Does your income affect your credit score?20:19 Myth #5: Can you fix bad credit overnight? (HELOC/restructure tips)22:49 Myth #6: Do paid-off loans vanish from your report? (7 vs 10 years)24:00 Myth #7: Is there only one true credit score? (models vary)24:28 How lenders choose which bureau/model to use26:05 Myth #8: Do debit cards build credit?26:53 Myth #9: Can one late payment tank your score? ($25 subscription story)29:30 Myth #10: Is all debt bad? (using “good debt” to build a life)31:01 Myth #11: Is there a credit blacklist? (how decisions are made)32:31 Myth #12: Can you control your credit score? (influence vs control)33:25 Myth #13: Will your score drop when you pay something off?34:40 Myth #14: Do hard pulls wreck your score? (~5 points & timing)37:22 Takeaway — Ron’s credit playbook: moderation & smart borrowing39:07 Shout-outs, socials & subscribe40:29 Book an appointment with Centris FCU & outro– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

July 17, 202551 min

Facing Repossession? Here's What to Do Before It's Too Late

In this episode of A Penny Or Two For Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg are joined by returning guest Andy Manthei of GreenPath and Centris' own James Moon to unpack the emotional and financial reality of repossession, bankruptcy, and recovery. From understanding the warning signs of financial hardship to what happens when your car is repossessed, this candid conversation blends humor, empathy, and hard-won wisdom. Whether you're struggling with debt or simply want to feel more confident about your finances, this episode delivers practical steps, emotional support, and that all-important reminder: you're not alone!If you have any questions for our subject matter experts, send them our way to pennyforyourthoughts@centrisfcu.org.– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

June 19, 202550 min

The Power of Yes: Transformative Career Journeys in Finance

In this inspiring episode of A Penny Or Two For Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Brittany Welch and Jimmy Chavez for a powerful conversation on career pivots, personal growth, and finding purpose in the workplace. From overcoming imposter syndrome to saying “yes” to unexpected opportunities, Brittany shares how she built a successful career at Centris Federal Credit Union without following a traditional path. Meanwhile, Jimmy opens up about his journey from military life to financial services—and why he's now returning to school to pursue a degree in HR. If you're feeling stuck, curious, or ready for change, this episode offers real advice and inspiration you won’t want to miss.If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!