CFAL Talks Podcast

Although The Bahamas is considered a high-income nation in the Caribbean, with an official poverty rate of 12.8%, the true picture is more complicated. Many Bahamians struggle to move beyond survival mode, trapped by circumstances that make financial advancement almost impossible. Listen as Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor explore the complexities of poverty.

The saying goes, the biggest risk a person can take is taking no risk at all. But does that always apply to your finances? In this episode, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss what happens to your finances when you are too risk averse.

They say money can’t buy happiness—and maybe that’s true. But what if we told you that it is true… sort of? According to a growing body of research, there’s a consistent link between wealth and life satisfaction. Put simply: the wealthier you are, the more likely you are to be satisfied with your life. Financial Literacy Coordinator Shanice Taylor explains why in this episode of CFAL Talks.

As global policies shift, domestic tax adjustments take shape, and national debt continues to rise, we discuss the far-reaching impacts of these forces on everyday Bahamians. What do these changes mean Bahamians? How will they affect your wallet, your job, and the nation? Our host and VP of Investment Pamela Ferguson explores this dynamic with Financial Analysts Angelo Butler and Lashell White.

Purchasing a home is one of the most significant financial decisions many Bahamians will make in their lifetime. But with the real estate market facing various challenges the dream of homeownership can seem unattainable for many. Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss how through planning and the right financial tools, Bahamians can achieve homeownership.

The widening gap in affordability in the real estate market in The Bahamas has been recognized by both government and key players in the real estate sector. In this episode Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor explore how the average Bahamian can invest in real estate amidst the housing crisis in The Bahamas.

In today’s challenging economic climate, small and medium-sized businesses play a critical role in driving growth and stability. Sophisticated investors closely monitor these businesses as key indicators of economic health. In this episode, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor explore essential financial strategies that small and medium-sized businesses must consider

In this episode, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor explore the broad world of financial technology (fintech). They discuss how fintech impacts both businesses and individuals, explore ways to seamlessly integrate it into our daily transactions, and share insights on advancing the use of fintech in our everyday lives.

As a nation closely tied to the U.S. economically, this episode examines the implications of the US trade war with Canada, Mexico and China for The Bahamas. Our financial analysts join host Pamela Ferguson, VP of Investments, to unpack the complexities of this trade policy and explore what it could mean for both the Bahamian economy and the global market at large.

In recent months, a heated debate has come up about whether couples should go 50/50 in a relationship, with proponents of each side doggedly defending their point of view. As we continue our month of love discussions, join Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor as they tackle this sometimes-polarizing topic.

When we think about protecting the people we love, we often think of ways to keep them safe from physical harm or abuse. But it is equally important to protect our loved ones financially so that in the event there is some unforeseen emergency or tragedy, they are not left to fend for themselves. Join Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor for this important topic.

We focus so much on our relationships with others, we can forget to nurture our relationship with money—creating unnecessary stress or financial strain. In this episode, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss how you can stop letting impulsive spending drive your decisions, especially around holidays like Valentine’s Day.

In this episode, our Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss how scammers use emotional manipulation and deceit to target vulnerable people. Listen as they offer practical tips on how to protect yourself from significant financial losses through romance fraud.

In this very special episode of CFAL Talks, all of our hosts join to reflect on the early stages of forming a podcast, the journey to 100 episodes and look to the future of CFAL Talks and the role it can play in influencing how Bahamians think about the economy and their personal finances.

The escalating murder and crime rate in The Bahamas has long held its grip on society, but new data has shed some light on the true cost of crime, beyond the statistics. Join host Pamela Ferguson as she unveils the true cost of crime in violence on the economy with Angelo Butler and Lashell White.

The holiday season is upon us, and while it’s a time of joy, celebration, and family, it can also be a period of financial stress. From buying gifts and hosting gatherings to last-minute travel plans, the holiday expenses can pile up quickly if we’re not careful. Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss balancing it all with Settlements Manager Tamara Evans.

Scams are becoming more prevalent every day, and there are an increasing number of people being defrauded out of their hard-earned money and life's savings. Understanding these schemes is very important to protect your finances. In this episode Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor explain how you can safeguard your money against fraud.

In our latest episode, our team of economic experts analyzes the historic yet polarizing results of the US elections; and discusses the proposed economic policies of President Elect Donald Trump and what they mean for America, The Bahamas, and the rest of the world.

In this continuation of our previous episode, Vice President of Investments Pamela Ferguson discusses the state of the Bahamian economy three years into the Davis administration's term, with Corporate Advisory Services Manager Angelo Butler and Investment Manager Lashell White.

Sovereign rating agency Standard and Poor's recently affirmed The Bahamas’ B+ long-term rating and held the country’s economic outlook as stable. In this episode CFAL's experts explore the economic policies of the Davis administration and whether their effectiveness over its first three years in office has contributed to the country's economic stability.

Each generation—from Gen Z to Baby Boomers—approaches money, saving, and investing with its own unique perspective. In this episode Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor are joined by Corporate Advisory Analyst Shania Darville and Junior Portfolio Assistant Noel Seymour explore the diverse habits of each generational group.

In a country where there is high consumer debt, the average bank account has less than $1,000 saved and most companies do not offer pension plans to their employees, the need for personal finance education has never been more pressing. Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor explain why arming yourself with basic financial concepts is crucial.

Life can be unpredictable; in this episode Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor share practical tips and encouragement to cope with job loss and how to take setbacks as opportunities for growth.

From account maintenance charges to ATM and overdraft fees, and now deposit fees the rising costs of commercial bank fees in The Bahamas has become a mounting concern for thousands of people. Our host VP of Investments Pamela Ferguson explores what can be done to bring relief to bank customers with Corporate Advisory Services Manager Angelo Butler and Investment Manager Lashell White.

When it comes to sound financial and investment decisions, it's important that you are surrounded by people who encourage you and point you in the right direction. In this new episode, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor ask, "who's in your financial circle?" Tune in to hear why your friends matter when it comes to money matters.

Given the far-reaching long-term benefits of a modernized power grid in New Providence, CFAL was excited to partner with Bahamas Grid Company in raising funding for the upgrade of the island’s electrical infrastructure. In this episode, our host Pamela Ferguson discusses the $100 million bond offering CFAL recently conducted for the project, with...

Generative Artificial Intelligence (AI) is evolving to be one of the most transformative technologies of our time. In this episode, our host Pamela Ferguson discusses the pros and cons of implementing AI in our day-to-day lives and business operations, with Manager of Corporate Advisory Services Angelo Butler and Investments Manager Lashell White.

Finance guru and best-selling author Dave Ramsey has simplified the path to taking control of your money in seven clear actionable baby steps for individuals to achieve financial stability and success. Senior Financial Literacy Coach Richard Pinder breaks down those steps with Marketing Coordinator Paige McCartney in this week's episode.

Once you’ve taken the leap to get married there are many important financial decisions you have to make as a couple. In part two of Financial Planning for Marriage, Senior Financial Literacy Coaches Richard Pinder and Shanice Pinder breakdown everything from buying your first property to setting your new family’s budget.

Preparing for major life events like getting married requires financial planning. In this episode, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor share tips on starting the conversation on finances with your partner before tying the knot.

On July 1 sweeping changes to the National Insurance rate and wage ceiling will take effect. In this episode of CFAL Talks our host Pamela Ferguson - along with Angelo Butler, Corporate Advisory Services Manager, and Lashell White, Investments Manager - breaks down the changes and explains the technical details of what you should expect your contributions to reflect.

Talking to children early and in an age-appropriate way about money is crucial for their future financial success. In this episode of CFAL Talks, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss the importance of teaching children financial literacy.

Talking to children about money is crucial for their future financial wellbeing. Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor are joined by Marketing Coordinator Paige McCartney as they discuss how starting the conversation about money early in an age-appropriate way can lay the foundation for responsible money management for your children in the future.

On May 29, 2024, Prime Minister Phillip Davis presented his budget communication for the 2024/2025 fiscal year. Our host Pamela Ferguson analyzes the country’s fiscal position along with Angelo Butler, Manager, Corporate Advisory Services, and Lashell White, Investments Manager. They breakdown what was announced and what they believed was missing from the prime minister’s communication.

Have you thought about how your family will manage when you are no longer with them? In this informative episode of CFAL Talks Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor sit with Attorney and Compliance Officer Samantha Satchell to discuss the importance of drafting a will or setting up a trust to ensure your assets are passed down to the people you love when you die.

Retirement is considered something you can only achieve in your older years, but retiring early is possible if you plan early. Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor speak with Private Wealth Manager Jeanelle Francis about the strategies you can implement to become financially independent.

Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor continue their discussion with Colina Financial Services Advisor Jessica’Lyn Miller on the benefits of insurance and how it can help you secure a more financially stable future.

How does life insurance help you plan for a more secure future? Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss the benefits of life insurance with Colina Financial Services Advisor Jessica’Lyn Miller.

Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor are joined by Investment Manager Tiffany Cartwright as they outline why you shouldn’t be overly risk averse or overly aggressive when investing.

This informative episode takes a deep dive into the Public Service Pension Bill 2023 which was recently released for public consultation. Join our host VP of Investments Pamela Ferguson as she examines the details of the bill with VP of Pension Administration and Operations Sophia Thurston and Manager of Corporate Advisory Services Angelo Butler.

Do you know what kind of investor you are? Do you know your risk tolerance? Senior Financial Literacy Coach Richard Pinder and Investment Manager Lashell White continue their discussion weighing the pros and cons of international investments to help you decide whether it’s a good option for you.

Have you been thinking about diversifying your investment portfolio by venturing into international markets? Senior Financial Literacy Coach Richard Pinder discusses how to delve into the world of international investments with Investment Manager Lashell White.

Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor continue their discussion with Manager of Corporate Advisory Services Angelo Butler exploring alternative investment opportunities.

Our host, Pamela Ferguson, Vice President of Investments at CFAL, explores the transformative power of providing women with the tools and resources needed to build wealth in recognition of International Women’s Day with so that women and men can thrive. Tiffany Cartwright, Investments Manager, and Tamara Evans, Settlements Manager, join the discussion

Looking for new ways to diversify your investment portfolio while minimizing risk? Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor explore alternative investment opportunities with Angelo Butler, Manager, Corporate Advisory Services, to help you make an informed decision when choosing non-traditional options.

Do you and your partner see eye to eye when it comes to money? From setting financial goals, to pooling or separating your funds and more, we’re offering sound advice about how to manage your finances in a romantic partnership. Senior Financial Coaches Richard Pinder and Shanice Taylor lead the discussion.

Pamela Ferguson, Lashell White, and Angelo Butler continue their analysis of the Bahamian economy and what they hope to see in the fiscal year 2023/2024 from the Government of The Bahamas.

In part I of our economic wishlist series, our expert CFAL panel, Pamela Ferguson, Lashell White, and Angelo Butler discuss some of the economic challenges and possibilities for The Bahamas for 2024.

It's resolution time! Are your new year's resolutions realistic and attainable in the time you've planned for them to be achieved? Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss the importance of creating financial resolutions for the new year.

Are you trying to figure out how to start the new year in good financial standing? Spend a few minutes with Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor, to learn how to plan for financial success this year and beyond.

In the second and final part of this series, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor continue looking at ways to help you enter the new year with your finances intact along with Tiffany Cartwright, Investment Manager.