Joseph Long from Relief Heating and Air joins us to discuss how to maintain your AC system during scorching Louisiana summers while keeping energy bills manageable. We explore maintenance essentials, temperature management strategies, and how to determine when it's time to repair versus replace your aging AC unit.

• Annual AC maintenance checks are crucial for maximum efficiency and preventing costly breakdowns
• Air filters should be changed monthly or bi-monthly, with standard pleated filters sufficient for most homes
• Setting thermostats between 75-78 degrees significantly reduces energy consumption
• Smart thermostats offer convenient temperature control and scheduling options
• Warning signs your AC needs attention: unusual noises, constant running, or requiring frequent repairs
• AC systems typically last 10-15 years before replacement becomes more economical than repairs
• Refrigerant should never need recharging unless there's a leak that needs repair
• Keep blinds closed during hot days and minimize opening doors to maintain cool temperatures

For AC service or maintenance in the Louisiana area, contact Relief Heating and Air at 225-244-0520. They offer $95 maintenance services to keep your system running efficiently.

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Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union.

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.

Our mortgage experts and real estate professional break down what financial readiness truly means for first-time homebuyers and why qualifying for a mortgage doesn't always mean you can afford homeownership.

• Understanding the difference between what you can qualify for versus what you can truly afford
• Warning signs that indicate you may not be ready to buy a home yet
• The importance of budgeting for more than just your mortgage payment
• How credit scores, income stability, and available assets impact your mortgage eligibility
• Common mistakes people make during the pre-approval and mortgage application process
• Different down payment options from 3% to 20%, and when "no money down" loans might be appropriate
• Why you still need cash reserves even with 100% financing options
• The reality of closing costs and what expenses to expect beyond just the down payment
• How to create a sustainable path to homeownership when you have good income but poor credit (or vice versa)
• Why being informed is the best way to avoid expensive mistakes in the homebuying journey

Check your credit score early, get pre-approved before shopping, save for more than just the down payment, and know your real budget by factoring in taxes, insurance and maintenance to avoid becoming house poor.

Visit our guests:
Denetria Burris, Realtor ® Notary Public
Licensed in Louisiana & Mississippi| LPT Realty LLC
Cell: 225-223-0499 | Office: 877-366-2213
Email: denetria@dbclosers.com

Matthew Cloy
Mortgage Loan Originator @ Neighbors FCU
Cell: 225-953-5076
Email: mcloy@neighborsfcu.org

Bridgette White
Vice President of Mortgage @ Neighbors FCU
Email: bwhite@neighborsfcu.org

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union.

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.

Travel experts Cindy Chambers and Tutti Bonacarso from Pearson's Travel share insider tips on planning dream vacations while maximizing value and avoiding common pitfalls.

• Benefits of using a travel agency include personalized service, passport verification, and having a local contact instead of navigating frustrating 1-800 numbers
• Popular 2025 destinations include Italy, London, Scotland, Croatia, and river cruises in Europe
• Book trips from two months to two years in advance—earlier booking allows for monthly payments and better availability
• Common travel mistakes include overplanning and not allowing enough relaxation time
• Travel myths debunked: solo travel can be safe for women, booking on Tuesdays isn't always cheapest
• Travel insurance is essential for international trips—covers medical emergencies, evacuations, and trip interruptions
• Budget travel tips: consider national parks, use public transportation, and book directly with hotels for special discounts
• Watch for travel scams like "too good to be true" deals and suspicious communications after online searches

To book your next adventure with Pearson's Travel, call 225-926-3752 Monday through Friday, 8:30 to 5:30, or stop by their office on Jefferson.

Have an idea for a show or a question for Kim? Send us a text message

Support the show

Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union.

The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.