Money Talks

Are you ready to travel? With restrictions and procedures changing back and forth you might need a little assistance. Need help selecting and booking a vacation? Would you like to experience a city like a local? We’ll learn about different services travel professionals can offer with our guest Jane Halbert Jones from More Than A Tourist. Ryder is on hand to answer your personal finance questions.https://www.morethanatourist.net/ Affiliate of Magnolia Travel Grouphttps://www.magnoliatravelgroup.com/Magnolia Travel Group is a concierge travel agency offering our clients custom & unforgettable travel experiences.https://www.instagram.com/morethanatourist/As of 04/12/2022: According to the TSA: At the CDC’s recommendation, TSA will extend the security directive for mask use on public transportation and transportation hubs through April 18th. During that time, CDC will work with government agencies to help inform a revised policy framework for when, and under what circumstances, masks should be required in the public transportation corridor. We will communicate any updates publicly if and/or when they change.https://www.tsa.gov/news/press/statements/2022/03/10/statement-regarding-face-mask-use-public-transportationAs of 04/12/2022: The CDC has a page for travel notices. CDC recommends that travelers avoid all nonessential travel to Venezuela. Everyone should be fully vaccinated against polio before visiting a long list of countries in Africa, Eastern Europe, and Asia.https://wwwnc.cdc.gov/travel/noticeshttps://www.mississippimarkers.com/ is one website that lists some of the marker trails throughout Mississippi. Our state has markers for trails about Mississippi History, Country Music, Writers, Blues Music, Freedom Trail, Mound Trail, and the United States Civil Rights Trail.https://www.mississippimarkers.com/Questions:I Bonds: MT 08/17/22 http://moneytalks.mpbonline.org/episodes/money-talks-open-topic-augustGreen Travel Hosted on Acast. See acast.com/privacy for more information.

Join Money Talks in playing “It’s A Numbers Game” with numbers that relate to personal finance. Play along with us and test your personal finance knowledge.Our digits:2 for 1W-2 and W-4Chapter 7 and Chapter 1365 years old70 and 1/2 years oldRule of 72 https://www.investopedia.com/terms/r/ruleof72.asp401(k), 403(b), and 4575291099By the way: Halley's Comet returns to Earth's vicinity about every 75 years (not 72). But it did visit us in 1066. https://www.space.com/19878-halleys-comet.html Hosted on Acast. See acast.com/privacy for more information.

At Money Talks we can’t give you money but we can remind you that you might save money by planning ahead. Compounding interest, buying in bulk, watching for sales are all ways that might put you in a better financial position. We’ll discuss saving money by planning ahead today. We’ll also take your general personal finance questions.In the news: job rate, yield curve.Income Tax payments and filings are due Monday, April 18th this year. https://www.irs.gov/individuals/steps-to-take-now-to-get-a-jump-on-next-years-taxes https://blog.taxact.com/planning-next-years-taxes/Have a bank account. The fastest way for you to get your tax refund is by filing electronically and choosing direct deposit.Consider adjusting your withholding if you owed taxes or received a large refund last year.Take action when life changes occurDecide if bunching deductible expenses can help you.Try to match major deductions to high-income years.Contribute to an IRA for next year now.Atlantic and Gulf hurricane season starts until June 1st. Now is the time to prepare disaster supplies.https://www.webmd.com/a-to-z-guides/is-it-safe-to-reuse-plastic-water-bottleshttps://www.ready.gov/kit5/8/2018 Money Talks: Financial First Aid Kit http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d8403/30/2021 Preparing for Emergencies http://moneytalks.mpbonline.org/episodes/money-talks-prepare-for-emergencies9/7/2017 Money Talks: Emergency Financial Preparedness http://moneytalks.mpbonline.org/episodes/5cd31f1633f6c1be55607da4Rotate your disaster kit’s non-perishable food in your regular pantry so you don’t let food expire and go to waste.Reuse water jugs, safely by washing between uses. We can have a link on how to do this.Watch for sales at the grocery store and stock up when regularly used items have lower prices.Keep your generator maintained or buy one if you think you might want one during a disaster.Keep your vehicle’s fuel topped off.Families can lock in tuition rates and prepay their child’s tuition and fees. Currently for newborns who would enter college in 2039, parents could pay $38,812 one time or pay $395 monthly for 4 years of university tuition.Treasurer David McRae was a guest on Money Talks September 15th of 2020 and discussed this and our other college savings program. http://moneytalks.mpbonline.org/episodes/money-talks-treasurer-david-mcrae Hosted on Acast. See acast.com/privacy for more information.

If you’d like a to buy a vehicle or a home, there might not be one for you to get a loan for right now. You could take this time to improve your credit score, so you’ll be ready when the supply is more plentiful. We’ll be giving suggestions on how you can raise your credit score on the show today and also taking personal finance questions.Experian Boost program: https://www.experian.com/consumer-products/score-boost.htmlCredit building loan: https://www.experian.com/blogs/ask-experian/how-do-I-get-a-credit-builder-loan/Maintain your vehicle longer: http://autocorrect.mpbonline.org/Free credit reports from: https://www.annualcreditreport.comMore information from Consumer Financial Protection Bureau: https://www.consumerfinance.gov/More ways to improve your credit score: https://www.myfico.com/credit-education/improve-your-credit-scoreMoney Talks shows about credit score:Past Credit shows083121 http://moneytalks.mpbonline.org/episodes/money-talks-new-credit-freeze051220 http://moneytalks.mpbonline.org/episodes/money-talks-credit-counseling020420 http://moneytalks.mpbonline.org/episodes/money-talks-credit-reports-and-new-fico-score100218 http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d6f070318 http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d7cQuestions:remove a name from an accountrebuilding creditusing a credit cardretired debt freecheck credit score Hosted on Acast. See acast.com/privacy for more information.

We hear the news but sometimes wonder “how does that affect me?”. Today’s your chance to ask our personal finance experts how the war in Europe affects you. We’ll also talk about our Mississippi legislature and student loans. As of 03/01/2022Bills alive: House Bill 530: Teacher pay raise, HB 770 and SB 2451: Equal pay bills, HB 1029: Increasing broadband access, HB 1367: Removing racist language from property deedsBills dead (? dead dead?): SB 2643: Divorce law reform, SB 2634: TANF savings accounts, You have less than 41 days to pay your personal income taxes. For this year, the deadline to file your income tax is April 18, though you can file an extension for October 15. Remember that even if you file an extension, if you owe money, you must make income tax payments by April 18, 2022 to avoid interest and penalties.The United States Continues to Impose Costs on Russia and Belarus for Putin’s War of Choice https://www.whitehouse.gov/briefing-room/statements-releases/2022/03/02/fact-sheet-the-united-states-continues-to-impose-costs-on-russia-and-belarus-for-putins-war-of-choice/Redeeming coupons makes shoppers feel smart — like they've outfoxed a brand. One study found customers who received coupons released feel-good oxytocin hormones and their heart rates decreased. https://www.cnn.com/2022/03/05/business/coupons-history-jcpenney-macys-procter-and-gamble/index.htmlFederal and private student loan borrowers in Mississippi owe an average of $33,182 in debt, which is 10% less than the U.S. average.https://studentaid.gov/announcements-events/covid-19Questions:Inherited IRAmoving moneystudent loanssocial security Hosted on Acast. See acast.com/privacy for more information.

One size doesn’t fit everyone. And there isn’t one type of investment. If you’re looking for that “just right investment” for your savings or a tax refund, we have quite a few options today that aren’t the stock market. Money Talks recently got an email from a listener that said:I've got 250k in a bank savings account that earned a whopping 54 bucks last year and 2.06 last month. I need to invest in “something” but I don't like the markets. Ideas?This seems like an email that could take a whole show to answer, so we will take the whole show to give some options and see what our investment professionals think.The two major U.S. financial securities markets are the New York Stock Exchange and Nasdaq.In April 2007, the New York Stock Exchange merged with a European stock exchange known as Euronext to form what is currently NYSE Euronext. The American Stock Exchange (AMEX) previously the 3rd largest stock exchange, was acquired in 2008 by NYSE Euronext. The NYSE is 3 times the size of the world’s 3rd largest stock exchange – Shanghai. Euronext and the Japan Exchange Group are next is size by market capitalization of listed companies.  CFA 18th Annual Forecast Dinner (worth the wait!) https://newper.blogspot.com/2022/02/cfa-18th-annual-forecast-dinner-worth.htmlDiscussion:Population growthWar in UkraineReal Estate Investment TrustsPeer-to-Peer LendingSavings Bonds; Tool to help you find savings bond information https://treasuryhunt.gov/#:~:text=Treasury%20Hunt%20is%20our%20online,and%20no%20longer%20earning%20interest).GoldCertificates of DepositVenture CapitalAnnuitiesOther options we didn't have time to discuss:https://www.gobankingrates.com/investing/stocks/investment-options-other-than-stock-market/Questions:Home equity loadstock investment evaluation Hosted on Acast. See acast.com/privacy for more information.

Today is an Open Topic show. We’ll have some money finding, spending, and saving tips. Information about jobs and tax tips will also be given out. This is all between your personal finance questions and email. Uncertainty - VIX is the ticker symbol and the popular name for the Chicago Board Options Exchange's CBOE Volatility Index, a popular measure of the stock market's expectation of volatility based on S&P 500 index options. Don't REACT but do REVIEW. Liz Ann Saunders on twitter. https://twitter.com/LizAnnSondersRyder's current book: The Price You Pay For College by Ron Lieber https://ronlieber.com/books/the-price-you-pay-for-college/Recycle and gift cards or coupons: https://finance.yahoo.com/news/target-amazon-4-more-retailers-200024608.html#aoh=16448433239452&csi=1&referrer=https%3A%2F%2Fwww.google.com&amp_tf=From%20%251%24s&ampshare=https%3A%2F%2Ffinance.yahoo.com%2Fnews%2Ftarget-amazon-4-more-retailers-200024608.htmlMonroe County Job Fair – in Amory February 24th. Louisville-Winston County Job Fair is March 3rd. Neshoba County Job Fair in Philadelphia is March 9th. https://www.jobfairs.ms.gov/event-calendarSt. Patrick's Day on March 17th. National Ravioli Day on March 20 and Pi Day on March 14.Discounts on winter sports gear, unsold grills and air conditioners, and tax software.MPB’s Java Chatman mentioned on Deep South Dining heard on MPB Monday’s at 9am. That the Girl Scouts are selling cookies a little differently this year. There’s an app now – Girl Scout Cookie Finder. With the pandemic the Girl Scouts have set up an app to give you the dates and location of their table sales at grocery stores and shopping centers. You can turn on the location sharing feature or just put in a zip code.  Apple App or the Google Play StoreHave you checked for lost money lately? Treasury dot ms dot gov is where you can start your Unclaimed Money search.   https://treasury.ms.gov/ Or listen to our podcast: http://moneytalks.mpbonline.org/episodes/money-talks-treasurer-david-mcraeQuestions:Swiffer tipTransfer on DeathSocial Security information and tax filing http://moneytalks.mpbonline.org/episodes/money-talks-ssagovonline bankingsavings for college 529 plans podcast http://moneytalks.mpbonline.org/episodes/money-talks-529-savings-planscontribute to church from IRAnever filled IRSSet up account Hosted on Acast. See acast.com/privacy for more information.

According to a report from the Federal Trade Commission: Romance Scammers Steal a Record 547 Million Dollars. Adults 70 and older had $9,000 median loss in 2021. Money Talks wants to make sure the person that steels your heart doesn’t steel your wallet.  https://www.ftc.gov/news-events/blogs/data-spotlight/2022/02/reports-romance-scams-hit-record-highs-2021?utm_source=govdeliveryYou can help stop scammers by reporting suspicious profiles or messages to the dating app or social media platform where you found them. Then, tell the FTC at https://reportfraud.ftc.gov/#/If you are the victim of a romance scam, report it to the FBI and your financial institution. In some cases, money that victims sent by wire can be recovered if the fraud is immediately reported. You can learn more about romance scams at the website: https://www.consumer.ftc.gov/articles/what-you-need-know-about-romance-scamsRyder mentions:Tinder Swindler Official Trailer https://www.youtube.com/watch?v=_R3LWM_Vt70Coin Desk https://www.coindesk.com/Coinbase https://www.coinbase.com/Gemini https://www.gemini.com/ Hosted on Acast. See acast.com/privacy for more information.

We’ve got a guest on the show who has a very particular set of skills, skills he has acquired over a very long career, skills that make him . . . a fantastic guest for Money Talks. District Manager for Social Security, Shawn Mercer. Shawn answers social  security questions while Nancy and Ryder take personal finance questions. Many questions can be answered from information found on the Social Security website: https://www.ssa.gov/On the SSA website you can also find information about Emergency Assistance for Homeowners and Renters. If you’re a renter, a homeowner, or landlord look through their information to see if you qualify for help.That national phone number is 1-800-772-1213 if you need to call or call your local SSA office. Consider following Social Security on social media. There are tweets about current events, protecting your identity, and reminders on what Social Security is all about. Calls: how much can you make after your retireoutstanding debt to Social Securitywhat to know / when to retirewhy go to the office?back to work after disabilitynursing home Hosted on Acast. See acast.com/privacy for more information.

The Mississippi House approved a bill last month to phase out the personal income tax, reduce the grocery tax and increase the state sales tax on most items. What do you think? We’ll learn about the measure with our guest Dr. Brian Pugh, Executive Director for the Stennis Center for Public Service author of the book “Chaos and Compromise: The Evolution of the Mississippi Budgeting Process”. https://stennis.gov/about-us/stennis-center-staff/dr-brian-pugh-biography/House Bill 531- phasing out the personal state income tax - The Mississippi Tax Freedom Act of 2022  http://billstatus.ls.state.ms.us/2022/pdf/history/HB/HB0531.xmlNews reports:https://www.clarionledger.com/story/news/politics/2022/01/12/philip-gunns-plan-cut-mississippi-income-taxes-ready-vote/9176793002/https://www.supertalk.fm/mississippi-house-of-representatives-votes-to-eliminate-income-tax/https://www.natlawreview.com/article/mississippi-house-revisits-income-tax-phase-out-2022https://www.usnews.com/news/best-states/mississippi/articles/2022-01-11/mississippi-house-panel-oks-bill-to-phase-out-income-taxhttps://www.mpbonline.org/blogs/news/mississippi-house-of-representatives-pass-bills-on-income-tax-and-teacher-pay/Calls:How does it affect low income earnersRevenue stream and budget shortfallWhat percentage is revenue streamPro Income Tax eliminationAttracting new residentsGrocery Tax Hosted on Acast. See acast.com/privacy for more information.

Housing costs may be a big portion of your budget. Our expert is going to give his opinion on ways to cut some of your expenses associated with how you live. A recent article on the website: https://www.moneycrashers.com/jobs-provide-free-housing/ has a list of ways to save money on housing costs. The suggestions range from easy to drastic. reduce water and electricity usagemake sure your home is insulated and well maintaineddo your own maintenance and repairsimprove your credit before getting a mortgageremove PMI from your mortgage paymentHouse Hack - find a way for someone else to cover your housing expenses (Here's our podcast about Airbnb http://moneytalks.mpbonline.org/episodes/5cd31f1633f6c1be55607d95 )Move to a More Affordable Housing Market Buy a multifamily property and move into one unit and rent out the others.Downsize to a Smaller HomeMove into an Attached HomeConsider RentingBuying a house to flip and living in it until you sell itfind a job that provide free housingCalls:paying off mortgage earlyADUhow much money to put into a house Hosted on Acast. See acast.com/privacy for more information.

What software do you use for Personal Finance? Do you use a program to do your taxes? Do you keep track of your budget on your phone with an app, or on your PC with software? We’ll tell you some options and we want to hear what works for you. What to consider when looking at softwareWhat are examplesIRS newsBudgeting softwareWhat to lookout forhttps://www.nerdwallet.com/article/taxes/best-tax-softwarehttps://www.irs.gov/filing/free-file-do-your-federal-taxes-for-freehttps://www.irs.gov/newsroom/national-taxpayer-advocate-delivers-annual-report-to-congress-focuses-on-taxpayer-impact-of-processing-and-refund-delayshttps://home.treasury.gov/news/press-releases/jy0553https://www.techradar.com/best/best-personal-finance-softwarehttps://www.pcmag.com/picks/the-best-personal-finance-serviceshttps://www.thebalance.com/best-personal-finance-software-4171938https://www.theatlantic.com/technology/archive/2013/04/what-tax-preparation-software-looked-like-in-1991/274985/https://en.wikipedia.org/wiki/TurboTaxhttps://www.investopedia.com/personal-finance/best-budgeting-software/https://www.hp.com/us-en/shop/tech-takes/best-personal-finance-software-apps Hosted on Acast. See acast.com/privacy for more information.

New Year means a new start for good habits. Let’s talk about your money plans for 2022. What are your savings goals? Your retirement contribution goals? Do you have a budget to help you achieve these goals? NewsIf you receive extra moneyNew financial contribution limitsLook over last year's financial planBudgetIs eating out “eating” into your ability to save? By planning meals to eat at home or bring from home, you might be able to put more money towards savings or retirement.Apple TV plus, Amazon Prime Video, Disney Plus, Netflix, HBO Max, Paramount Plus, Peacock, Hulu, Discovery Plus. Do you pay for each of these? Some of these? What could you do without to save money each month?Do you still need life insurance now? Is your car over insured? Is your homeowner’s insurance at the correct amount? Take some time to check over your insurance to see if you can save yourself some money.Podcast just on budgeting. Look for that from September 17th of 2019.http://moneytalks.mpbonline.org/episodes/money-talks-budgetsCalls:who are these suggestions forreturning item bought on credit cardtax advantage of giftslong term carelife insurance Hosted on Acast. See acast.com/privacy for more information.

New Year means a new start for good habits. Let’s talk about your money plans for 2022. What are your savings goals? Your retirement contribution goals? Do you have a budget to help you achieve these goals? NewsIf you receive extra moneyNew financial contribution limitsLook over last year's financial planBudgetIs eating out “eating” into your ability to save? By planning meals to eat at home or bring from home, you might be able to put more money towards savings or retirement.Apple TV plus, Amazon Prime Video, Disney Plus, Netflix, HBO Max, Paramount Plus, Peacock, Hulu, Discovery Plus. Do you pay for each of these? Some of these? What could you do without to save money each month?Do you still need life insurance now? Is your car over insured? Is your homeowner’s insurance at the correct amount? Take some time to check over your insurance to see if you can save yourself some money.Podcast just on budgeting. Look for that from September 17th of 2019.http://moneytalks.mpbonline.org/episodes/money-talks-budgetsCalls:who are these suggestions forreturning item bought on credit cardtax advantage of giftslong term carelife insurance Hosted on Acast. See acast.com/privacy for more information.

Money Talks wants to help you today to Prepare Before the Storm. That “storm” might be weather, economic, or family issues. We’ve got some websites and some suggestions.New Perspectives blog posts: https://newper.blogspot.com/Financial Resilience And Mutual Aid Saturday, February 20, 2021On Preparedness Friday, February 19, 2021In the News:PPP loans expandedJob losses going downSuez Canal ship stuckNon-fungible tokensEmergencies savings for loss of income, vehicle replacement, medical careResilient BudgetsWhere to keep fundsEmergency Financial First Aid Kit https://www.ready.gov/sites/default/files/2020-03/ready_emergency-financial-first-aid-toolkit.pdfBe Prepared For A Financial Emergency https://www.ready.gov/sites/default/files/2021-01/ready_financial-emergency_info-sheet.pdfCalls:start saving early - be a part of your communityCommunity Emergency Response Team https://www.ready.gov/cert Hosted on Acast. See acast.com/privacy for more information.

If you are a renter or a landlord, you'll particularly want to listen today’s Money Talks. Our guest is the Executive Director for Mississippi Home Corporation. Scott Spivey talks about the agency and the grants available to Mississippians who can’t pay rent during this pandemic. He discusses programs for first time home buyers and rehabilitation assistance. Our expert hosts are also available to answer personal finance questions. https://www.mshomecorp.com/ https://www.newper.com/RAMP – the rental assistance program. It’s for those impacted by COVID-19 - renters and landlordswww.ms-ramp.com     If you need assistance or wish to speak to a representative, call 601-533-8401 (local) or 1-888-725-0063 (toll-free)              **Harrison County received its own funds for rental assistance. If you are a resident of Harrison county and wish to apply, you must call the Open Doors Homeless Coalition at 228-604-8011.Trailers too!The Emergency Solutions Grant COVID-19 (ESG-COVID) program created by the CARES Act funds is designed to prevent and respond to the coronavirus pandemic (COVID-19). Individuals and families who have been laid off or have current income under 50% of area median income (AMI) and individuals who are homeless or receiving homeless assistance are eligible to receive funds. https://ms-ramp.com/esg/Twitter: https://twitter.com/MSHomeCorp https://twitter.com/NewPerMS https://twitter.com/MPBOnlineFirst time homebuyers assistanceYouth Drawing CompetitionPartnerships with developersIn the news:COVIF-19 funeral assistance from FEMA https://www.fema.gov/disasters/coronavirus/economic/funeral-assistanceCOBRA subsidy during pandemic https://www.natlawreview.com/article/new-covid-relief-act-provides-cobra-premium-subsidies-and-increased-exclusionCalls:annuitymortgage assistancePPP loans through your bank Hosted on Acast. See acast.com/privacy for more information.

Do you have a question about recent financial news? Do you have a question about your own person finances? Today’s a great day to contact us. It’s an Open Topic Day. The pause on student loan repayment initially put into place under former President Donald Trump and twice extended by Biden is set to expire on Jan. 31. The last of the child tax credit from the American Rescue plan were sent out last week. The Federal Reserve said last week that interest rates will stay near zero for now.“10 Surefire Tax Tips For Year-End 2021” https://www.forbes.com/sites/ashleaebeling/2021/12/08/10-surefire-tax-tips-for-year-end-2021/?sh=ed7aed61bfc3January typically has discounts on bedding and linens, fitness equipment, and TV and electronics – those just before the Super Bowl. https://www.nerdwallet.com/article/finance/what-to-buy-every-monthMany of the nation’s largest banks are cutting overdraft and non-sufficient funds fees for customers in 2022. Lawmakers and regulators have criticized banks for penalizing already cash-strapped customers.Explaining Dot Plot: https://www.bankrate.com/banking/federal-reserve/federal-reserve-dot-plot-explained-how-to-read-interest-rates/Federal Reserve: https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20210922.pdf Hosted on Acast. See acast.com/privacy for more information.

Money Talks likes to go back and forth on it’s topics. One week we have financial information for money novices; another week we cater to sophisticated investors. Today we’ll learn about “multiples”. Stock multiplesAfter you calculate a company’s financial ratio, what do you do then? Enterprise value multiples and equity multiplesWhat would we want to know about the company “Kevin’s Sneakers” to evaluate its stock price?Calls:TIPSIRA funds to charitiesRMD age Hosted on Acast. See acast.com/privacy for more information.

https://newper.blogspot.com/2021/11/insurance-series-post-3-home-base.htmlMoney Talks expert hosts are Chartered Financial Analysts from New Perspectives. They’ve posted a new blog on their website new per.comMoney Talks can be heard live on MPB Think Radio Tuesdays at 9am. Or listen to the podcast. Our website is moneytalks.mpbonline.org. Email us your questions: [email protected] Series - Post 3: Home BaseOur home is the physical center of our lives. It shelters us. It houses our possessions. It's where we spend time when we have no where else to be. It can even be where we put together a family baseball game! Many of us are buying, remodeling, building or have dreams of doing these things. All of these are investments of our time, energy, money, and future. But, are they adequately protected? Maybe not.Most people believe house insurance has but one question: Do you have it? Yes? Ok, I'm good to go. But, are you? I realize it's not leisure reading to sit down with your homeowner's insurance policy and read through it. It's not a novel. It's more of a gameday playbook you should be familiar with. It can be understood. But, it helps to have some coaching and practice. There are pieces to a homeowner's policy that you should educate yourself about.Do you know how your insurance company will determine what to pay on a claim?If you remodel your home, you may need to increase your insurance coverage. Did you know that if something happens to your newly remodeled home, your insurance company may deem your home underinsured and would pay less in the event of a claim?Your homeowners insurance protects your other assets too. If your dog gets too excited and accidentally injures someone on your daily walk, does your policy adequately protect your savings and investments?Or, maybe you are considering a pool for next summer. How will that affect your coverage? Or if you do put together that family baseball games and someone gets hurt, are you covered? If you can't answer these questions, or you do not feel thoroughly confident in your home insurance facts, now is the time to change that! Visit your trusted insurance agent, then schedule time with someone at New Perspectives. While we do not sell insurance, we can help you decide the coverage that best protects your home, your peace of mind, and your financial future. So, you can feel SAFE at your home base! Hosted on Acast. See acast.com/privacy for more information.

Is paper cluttering up your home? Does it add to your stress rather than give you financial comfort? We’ll talk today about what important documents you should keep and for how long.Where to store paperWhere to store digitalTax returns and supporting documentsPay stubs, bank statements, credit card statementsUtility billsATM receiptsHome purchase recordsHome mortgage recordsRental recordsBrokerage statementsWhat to keep foreverWhat else to keepDispose of paperSafe digital recordsIRS Topic number 305 Recordkeeping https://www.irs.gov/taxtopics/tc305Suggestions from Ryder: https://www.macrumors.com/2021/12/06/life360-selling-location-data-of-millionshttps://gizmodo.com/verizon-may-have-just-enrolled-you-in-a-data-collection-1848156157 Hosted on Acast. See acast.com/privacy for more information.

 Why do YOU give to charities? Our crew will give their reasons while you think about yours and think about any questions, you’d like to ask our Chartered Financial Analysts about making charitable donations or any personal finance question that comes to mind.Extra reading: https://www.usa.gov/donate-to-charityhttps://www.fbfs.com/learning-center/6-surprising-facts-about-charitable-givingScams 3/13/2018 http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d8cCommunity Foundation 12/01/2020 http://moneytalks.mpbonline.org/episodes/money-talks-community-foundationsGiving Tuesday 2019 12/03/2019 http://moneytalks.mpbonline.org/episodes/money-talks-giving-tuesday-20192018 http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d67Charity Fraud with then Secretary of State Delbert Hosemann 09/26/2017 http://moneytalks.mpbonline.org/episodes/5cd31f1633f6c1be55607da0 2016 http://moneytalks.mpbonline.org/episodes/5cd31f1633f6c1be55607dbf Hosted on Acast. See acast.com/privacy for more information.

https://newper.blogspot.com/2021/11/your-spending-and-your-values.htmlFriday, November 19, 2021Your Spending and Your ValuesMoney Talks expert hosts are Chartered Financial Analysts from New Perspectives. They’ve posted a new blog on their website new per.comMoney Talks can be heard live on MPB Think Radio Tuesdays at 9am. Or listen to the podcast. Our website is http://moneytalks.mpbonline.org/Email us your questions: [email protected] Hosted on Acast. See acast.com/privacy for more information.

Do you dream of retiring from your job? No so fast. We have a list of boxes to “check off” in the decade before you make this dream a reality. The final decade before retirement is an opportunity to strengthen a retirement plan and tie up any remaining details that can help secure your future. Brighthouse Financial published an article that will be our guide for our discussion today: A Checklist for the Decade Before Your Retirement Date   https://www.usatoday.com/interactives/sponsor-story/brighthouse-financial/a-checklist-for-the-decade-before-your-retirement-date/Our experts discuss their suggestions:Review your savings. Adjust your investment mix.Make a plan to pay off debt. Estimate retirement expenses. Examine options to cover medical costsDevelop a retirement income plan. Review options for Social Security. Develop a plan for enrolling in government benefit programs.  Hosted on Acast. See acast.com/privacy for more information.

Friday, November 19, 2021How and WHY are you buying Bitcoin?This blog post a too long to post here. Please follow the link above to read about Bitcoin.https://www.newper.com/Money Talks expert hosts are Chartered Financial Analysts from New Perspectives. They’ve posted a new blog on their website new per.comMoney Talks can be heard live on MPB Think Radio Tuesdays at 9am. Or listen to the podcast. Our website is moneytalks.mpbonline.org. Email us your questions: [email protected] Hosted on Acast. See acast.com/privacy for more information.

Diversification is a buzz word for your investment portfolio. We’ll talk about two ways you could do that: mutual funds and ETFs – exchange traded funds. Are they the same? How are they different? New Perspectives puts up a new blog post. Here's the latest. It's about Inflation:https://newper.blogspot.com/2021/11/chicken-little.htmlhttp://moneytalks.mpbonline.org/episodes/money-talks-inflation-blogDiscussion:inflationcash back credit cardsMedicaid premiumsMutual Funds:What are they?How are they managed?What types are there?How can they make us money?Can they lose money?Exchange Traded Funds - ETFsHow do they compare to mutual funds?How easy is it to invest?Bit Coin ETFCall - how are advisor's are paid Hosted on Acast. See acast.com/privacy for more information.

https://newper.blogspot.com/2021/11/chicken-little.htmlMoney Talks expert hosts are Chartered Financial Analysts from New Perspectives. Their firm has researched additional information about inflation in 2021. Please read their post here. Money Talks can be heard live on MPB Think Radio Tuesdays at 9am. Or listen to the podcast. moneytalks.mpbonline.org is our website. Email your questions: [email protected] LittleThe sky is falling! The sky is falling!Or is it?We just got the latest numbers on inflation. The data show that inflation increased 6.2% for the 12 month period ending in October of this year. That’s WAY beyond the historical average of 3% annually and stirred up the inflation ghosts of the 80s.  While we take inflation pressures seriously, we find there are some mitigating factors here and some variables that mean these numbers will moderate.First, this is being measured against the twelve months ending in October, 2020, when we were, mostly, in pandemic mode. Much of the twelve months from November, 2019, through October, 2020, were spent in full or partial lockdown. That means we are measuring from a low point. The previous inflation rate for that period is 1.2%, much lower than the historical average.And what determines prices? Supply and demand. And we have some weird things going on for both sides of the equation.On the supply side, we our seriously bogged down. Factories are trying to gear back up to full steam. Ships are backed up at ports. There are not enough drivers to deliver goods. There is a multitude of variables contributing to the mess, but it’s not permanent. Gradually, we will see  the chain unkink, but, right now, inventory levels are low. Want the hottest Christmas toy? You’re going to pay big bucks.And what of the demand side? We’ve all been hunkered down, spending less and accumulating more. As my mother used to say, “The money is burning a hole in our pockets.” And we’re not just buying stuff. Now, we are buying experiences—booking travel like there’s no tomorrow.More people chasing fewer goods/services. It’s a recipe for classic inflation. But will we keep spending like drunken sailors? Probably not. Things will slow down. We’ll get it all out of our system and settle back into normal patterns.And what about the biggest cost of business? Labor. Well, we are waiting to see how this pans out. Yes, the labor market is tight, and wages are increasing. Will they stick? In some cases, yes. In areas with a lot of turnover, maybe not.Ultimately, we believe prices will moderate, but don’t expect to go all the way back down to earth. For the last decade, inflation has been in the 2% range or less. We expect it to go above historical levels in the next year or two and hover in the mid 3% range. That’s highER inflation but not HYPER inflation.So, when it comes to inflation, it’s a little cloudy, but we don’t think the sky is falling. Hosted on Acast. See acast.com/privacy for more information.

We hope our listeners are familiar with some of the different types of financial institutions. Many in Mississippian aren’t. Many of us are un-banked. Money Talks going to talk about Credit Unions today with our guests from Hope Credit Union. Felicia Lyles, HOPE Senior Vice President of Retail Operations and Carrus King, HOPE Vice President and a Branch Manager of Hope Credit Union will tell us how they are trying to help educate Mississippians against predatory lending and the benefits of having a banking relationship. Ryder will be taking your general personal finance questions.Jackson branch of Hope Credit Union 601-965-7100https://hopecu.org/https://www.mycreditunion.gov/Discussion:GE stockHope historyTransformational depositsMember benefitsServices availalbleUnbankedPredatory lendingCalls:infrastructurehome loans with student loan debthow to invest Hosted on Acast. See acast.com/privacy for more information.

Money Talks loves bringing in expert guests to bring you a variety of topics but sometimes we just sit back and encourage you to call in about anything you’d like to discuss when it comes to your personal finance. We do have a selection of stories that have been in the news to discuss between your questions.Discussion:"Stay the course" - S & P up this yearMeta -verseOn April 13th, 2021 Money Talks hosted Executive Director for Mississippi Home Corporation, Scott Spivey. We learned about the Rental Assistance For Mississippians Program known as RAMP. You can find our podcast from April 13th 2021 for additional information. http://moneytalks.mpbonline.org/episodes/money-talks-ms-home-corp https://ms-ramp.com/NPR recently reported that a California man in 2014 bought a season pass at Six Flags for $150 that included two meals a day. He has eaten nearly every meal at Six Flags over the last 6 years. He says with all his savings, he paid off his student loans and bought a house.https://www.npr.org/2021/10/26/1049222059/california-man-has-eaten-nearly-every-meal-at-six-flags-over-the-last-6-yearsThe head of the office of Federal Student Aid told lawmakers that his agency is preparing for federal student loan repayments to resume early next year. https://www.npr.org/2021/10/28/1050110273/4-things-to-know-about-possible-changes-to-your-student-loan-debtIf you are employed by a U.S. federal, state, local, or tribal government or not-for-profit organization, you might be eligible for the Public Service Loan Forgiveness Program. https://studentaid.gov/manage-loans/forgiveness-cancellation/public-serviceAccording to various websites, here are recommendationsOn what TO buy in November: Smart home devices, Cookware and small kitchen appliances, Smartwatches and wearables, Smartphones, wine, baking ingredients, travel - other than Thanksgiving, tools, and cookwareHere’s what NOT TO buy in November:Doorbuster TVs – wait to buy before the Superbowl, Ultra-low-price laptops (There is disagreement about these items. Some say the electronics offered aren’t the best quality.) Jewelry, Holiday merchandise – buy after Christmas, A new car – there’s a tight supply due to chip shortage, Large appliances and mattresses – buy these Independence Day, Labor Day and Memorial Day sales. Mississippians enrolled in the Supplemental Nutrition Assistance Program are eligible for a supplemental benefit in November. Similar benefits were offered over the previous months to assist certified SNAP households during the pandemic, Mississippi Department of Human Services officials said last week. Check for eligibility for SNAP benefits https://www.mdhs.ms.gov/economic-assistance/snap/ Calls:debt ceilingmeta moneyIRAs and Roth IRAs Hosted on Acast. See acast.com/privacy for more information.

As you age or your parents age, discussions and planning may need to take place concerning paying for nursing home care. Our guest, attorney Kelly Kyle from Kyle Wynn and Associates http://www.kyle-wynn.com/ will answer your questions about how to protect your family’s assets from nursing home costs.  Kelly Kyle even helped write the book: How to Protect Your Family’s Assets from Devasting Nursing Home Costs – the Mississippi Edition. It's Open Enrollment - now to Dec 7 for Medicare. The website medicare.gov might answer your questions. The Social Security Administration’s website: ssa.gov also has Medicare information for you. Discussion:covid economy recovery supply of goodsCalls:how to protect your assetsMedicaid with a home Hosted on Acast. See acast.com/privacy for more information.

We’re covering 3 topics today: Cryptocurrencies, Required Minimum Distributions, signing up for Health Care. This is a special Money Talks. We didn't take your personal finance phone calls because we’re giving you the opportunity to call and make a contribution to support Money Talks and MPB. The contribution phone number is 1-888 – 372 – GIVE. 1-888-372-4483 or contribute online at mpbonline.org or click the support button on the MPB Public Media App. Fall 2021 Drive Time link: https://donate.mpbfoundation.org/mspb/podcast DiscussionSocial Security Cost of Living AdjustmentHow the finanical markets are doingHealthcare.govWho needs to sign upHow to sign upCryptocurrenciesExtra info: New Exchange-traded fund tied to Bitcoin futures begins trading on Wall Street https://www.marketplace.org/shows/marketplace-morning-report/new-exchange-traded-fund-tied-to-bitcoin-futures-begins-trading-on-wall-street/Required Minimum Distributions Hosted on Acast. See acast.com/privacy for more information.

Want to save money while you travel? Will you be traveling during the holidays? Whether it’s traveling around town, the state, or the country, we’ve got some tips to discuss that will help you stretch your dollars. https://www.ytravelblog.com/Free things:Catch a magnificent sunset or sunriseTake a walk or bike ride.Play in the park.Swim at the beach or lake.Visit a state park and walk their trailsVisit a market.If you like libations on your vacation - purchase your alcohol from a store. Or take advantage of any happy hours and don’t drink expensive import stuff – give the local stuff a go. Eat out for Breakfast, Lunch or Brunch: Try and avoid dinner as restaurants raise prices. OR, have brunch instead of 3 meals a day.Eat Away from the Tourist Streets: Just go one street or one block over and it will usually be much cheaper and more authentic!Have Picnics:  Purchase food in a local grocery store or a market and arrange a picnic in one of the city’s parks with great views. Self-Cater Where You Can: Purchasing your own supplies and cooking-in can save you big bucks while you travel. Use Coupons: Do your research to find travel discounts and coupons for the areas you are visiting. Check out the brochure shelf in the lobby of your hotel. Visit the local tourist information offices for free maps and ideas. Tourist booklets and brochures. Back of supermarket receipts.Websites (local tourist boards and businesses and coupon sites).Have Breakfast Included: When booking a hotel or hostel look for one with breakfast included.Eat Street Food: The reasons are because it’s cheap, you help the locals, and it’s safe – you can see what is actually being cooked and is cooked fresh right in front of you. SHOP AROUND FOR TRAVEL INSURANCE – it can vary by company and how inclusive the insurance it is. Will it cover pandemics? Check and see – IF you want to pay for that level of coverage. Calls:IRS tracking your moneytourist vs. localbeware of skimmingcamping, eat localeat local Hosted on Acast. See acast.com/privacy for more information.

What do you need to know to invest in the stock market? How does an investor pick a stock? Are stocks that pay dividends better than those that don’t? We take your stock questions and your personal finance questions.Seven things an investor should consider when picking stocks:Earnings growthStabilityRelative strength in industryDebt-equity ratioPrice-earnings ratioManagementDividends Hosted on Acast. See acast.com/privacy for more information.

We’ve got one of our most popular shows each year for you today. Our guest, Shawn Mercer from Social Security will answer your questions. Ryder Taff can take your personal finance questions.https://www.ssa.gov/ Hosted on Acast. See acast.com/privacy for more information.

Workforce Wednesdays is a program from the Education Department of MPB. Dr. Tara Wren, Director of Education and Jasmine Harvey, Student Engagement Specialist are with us today to explain the initiative and let us know how anyone in Mississippi can participate.   https://gettingtowork.mpbonline.org/ https://education.mpbonline.org/Participants in Workforce Wednesday get information about workforce development including mentoring programs, apprenticeships, work-based learning and soft skills. With the pandemic these networking get togethers are virtual so anyone can participate.Workforce Wednesday occurs every third Wednesday at 11:30 a.m. It’s a service of the Education Department of Mississippi Public Broadcasting.Project SEARCH Mississippi: An MDRS Workforce InitiativeSeptember 15, 202111:30 a.m. - 12:30 p.m.Project SEARCH connects high school seniors with disabilities to employers waiting to hire them after they graduate. Learn more about this program and how your school or employer can get involved.Videos:Confessions of a Word Nerd - February 2021 https://www.youtube.com/watch?v=ji1YBYS_kuA&ab_channel=MPBEducationHow to Improve Your Personal Brand on Zoom - March 2021 https://www.youtube.com/watch?v=XIjElyuzsGk&t=14s&ab_channel=MPBEducationPlease Wear Pants to Work – April 2021 https://www.youtube.com/watch?v=ctLxbZ0dsc4&t=1664s&ab_channel=MPBEducationCustomer Service Still Matters – May 2021  https://www.youtube.com/watch?v=ut-NhDPV--I&ab_channel=MPBEducationGetting Back to Work in Mississippi – June 2021 https://www.youtube.com/watch?v=H4PXQbos m8k&ab_channel=MPBEducationAmerican Graduate Path to the Future – July 2021  https://youtu.be/F_qdZeMrsNkCustomer Service Employment Academy – August 2021  https://youtu.be/-FQNTx1XtXkPast Workforce Wednesdays with blog summaries:Lunch and Learn with CN Railroad https://gettingtowork.mpbonline.org/blogs/community-events/lunch-and-learn-workforce-wednesday-with-cn-railroad/MS Coding Academy featured at Workforce Wednesday https://gettingtowork.mpbonline.org/blogs/community-events/workforce-wednesday-with-ms-coding-academy/Secretary of State Delbert Hosemann speaks at MPB's Workforce Wednesday Luncheon  https://gettingtowork.mpbonline.org/blogs/community-events/secretary-of-state-delbert-hosemann-speaks-at-mpbs-workforce-wednesday-luncheon/Counselor's Workforce https://gettingtowork.mpbonline.org/blogs/community-events/counselors-workforce-luncheon/Military OneSource Offers Myriad Services to Service Members and https://gettingtowork.mpbonline.org/blogs/community-events/military-onesource-offers-myriad-services-to-service-members-and-civilians/Why Hiring a Veteran is a Plus for Employers https://gettingtowork.mpbonline.org/blogs/community-events/why-hiring-a-veteran-is-a-plus-for-employers/Murphy Shares Lessons on Mentoring at Workforce Wednesday Event https://gettingtowork.mpbonline.org/blogs/community-events/murphy-shares-lessons-on-mentoring-at-workforce-wednesday-event/Commissioner Cecil Brown shares state’s problems, solutions during Workforce Wednesday Luncheon https://gettingtowork.mpbonline.org/blogs/community-events/commissioner-cecil-brown-shares-states-problems-solutions-during-workforce-wednesday-luncheon/Apprenticeship is a workforce development solution benefiting individuals and employers   https://gettingtowork.mpbonline.org/blogs/community-events/apprenticeship-is-a-workforce-development-solution-benefiting-individuals-and-employers/Waller talks opportunity, career coaches and strengthening Mississippi's workforce https://gettingtowork.mpbonline.org/blogs/community-events/waller-talks-opportunity-career-coaches-and-strengthening-mississippis-workforce/ Hosted on Acast. See acast.com/privacy for more information.

We’ve got a variety of financial scenarios to discuss today. Maybe one of them speaks to your financial mindset. Listen along and ask questions about your situation. Discussions: state income tax elimination9/11/2001 impact on US's financial marketsParents who haven't saved for collegeCaring for aging parentsWorrying about cybercrimeWhat if I lose all my moneyQuestions:disabilty insuranceearned income and social securityadvisorpaying for a nursing home Hosted on Acast. See acast.com/privacy for more information.

With identity and data theft on the rise, we’d like to suggest what you can do now and if you are informed of a data breach. Discussion:Ida on the economyCOVID on the economyhow to get a credit reportwhat will they askwhy freeze creating new creditafter you freeze your creditif your credit report is wrongcheck your Social Security Information at ssa.govYou might not be able to keep your data from being stolen but we’ve got tips on what to do if it is. These are tips anyone can use to protect their bank account, the retirement, their credit record. ? https://www.fultonbank.com/Education-Center/Privacy-and-Security/personal-data-breach-tipsChange your passwords                Sign up for two-factor authenticationCheck for updates from the companyWatch your accounts, check your credit reports Consider identity theft protection services Freeze your creditIdentitytheft.govCyver Security podcast from Aug. 9the 2019 http://moneytalks.mpbonline.org/episodes/money-talks-cyber-securityCheck your credit report: https://www.consumer.ftc.gov/blog/2021/03/free-weekly-credit-reports-during-covid-extended-until-april-2022Phone numbers for the 3 credit reporting bureaus: Equifax:1 (888) 766-0008             Experian:1 (888) 397-3742  TransUnion:1 (800) 680-7289 Hosted on Acast. See acast.com/privacy for more information.

Your emergency fund is our topic today. How large should YOUR fund be, where should you keep your emergency fund, what IS a financial emergency and what isn’t. In addition, Ryder takes your personal finance questions.Calls:working with a CPAcredit profilingdo you need a credit scoreFurther information:https://www.bigpictureloans.com/blog/what-is-financial-emergency-what-is-nothttps://www.bigpictureloans.com/blog/get-money-fast-financial-emergencyhttps://due.com/blog/what-is-considered-a-financial-emergency/https://www.forbes.com/advisor/banking/best-places-to-keep-your-emergency-fund/Kv3uRkyfpYKyhCYyeHx6 Hosted on Acast. See acast.com/privacy for more information.

It’s an Open topic show today. We have emails we’ll address on various topics. We have money saving tips and a suggestion to calm your financial fears. And we take your questions. Discussion:decrease of retail spendingwar isn't "good" for economyemail - canceling credit cards https://www.consumer.ftc.gov/blog/2021/03/free-weekly-credit-reports-during-covid-extended-until-april-2022how many credit cards do I have Call 1-877-322-8228sell or rent out property?can you have a zero credit scoreemail - ibondsfear of finance after breadwinner diesFEMA funeral assistance https://www.fema.gov/disaster/coronavirus/economic/funeral-assistancepandemic money lessons https://www.fool.com/the-ascent/personal-finance/articles/5-money-saving-hacks-our-readers-swear-by/https://www.nerdwallet.com/article/finance/what-to-buy-august Hosted on Acast. See acast.com/privacy for more information.

What can you do with a houseful of Grandma’s things? Where can you go to find that perfect retro dining set? Maybe you need to learn about auctions. We’re happy to have Dwight Stephens from Stephens Auction House with us today to answer our questions about this method of shopping and selling. Suggested website:https://www.auctionzip.com/https://www.liveauctioneers.com/https://www.mississippiauctioneers.org/https://www.keyauctioneers.com/auction-tips/ Hosted on Acast. See acast.com/privacy for more information.

We’ve got some personal finance statistics to share with you today. We hope by learning these facts you can change your life or help someone you care about change theirs. Our data comes from Morningstar. Their website says:Morningstar has been empowering investors since 1984 through research. https://www.morningstar.com/companyDiscussion:COVID rates in MississippiInflation talkways to gather finanical informationThe Earnings Gap - why?Retirement fundsImportance of savings Hosted on Acast. See acast.com/privacy for more information.

IRAs and Roth IRAs - what are the rules if you need to withdraw money? How do you set one up? What’s the difference between the 2 anyway? What about an inherited IRA or RMDs?What about the new rules concerning RMDs – required minimum distributions?Why do we have RMDs?Who takes them?When do you have to take them?Is there a special time of the year to take them?What can you do or what can you NOT do with the funds?Calls:RMD to a charityinherited IRAwhat to do with an old employers 401KSIMPLE IRAs: Savings Incentive Match PLan for Employeesemail difference between IRA and 401K RMDlimit to contributionshow kids learn money skills http://moneytalks.mpbonline.org/episodes/money-talks-kids-learning https://mscee.org/money and taxes Hosted on Acast. See acast.com/privacy for more information.

It’s less than 6 months before the gift giving holidays at the end of the year. Time to remind ourselves to not go into holiday debt. We’ve got some tips to discuss between your personal finance questions. Discussion:child tax credit - different amounts depending on age of child and income. IT'S AN ADVANCE CHILD TAX CREDIT ON TAX RETURN. If you want to "opt out" go to https://www.irs.gov/credits-deductions/advance-child-tax-credit-payments-in-202110 tips for avoiding holiday debt:1) Start with a firm budget for the holidays. Include gifts, decorations, travel, Christmas cards and even stamps. What did you spend last year? What are you comfortable spending this year?2) Make a gift list and stick to it. Keep track of your spending.3) Pay in cash. Studies have shown that consumers spend less when paying cash. 4) Pay off current credit card debt before adding additional charges. 5) If you’re crafty, start now making gifts. 6) Start tucking away a portion of each paycheck into a holiday fund now. 7) Sell some items for extra cash. 8) Use your card’s rewards points or cash rewards for holiday shopping.9) Set expectations for the gift exchange. 10) Book holiday travel early.https://www.forbes.com/sites/billhardekopf/2020/11/17/10-tips-to-avoid-credit-card-debt-during-the-holidays/https://www.hallmarkchannel.com/home-and-family/how-to/how-to-avoid-holiday-debthttps://www.biblemoneymatters.com/begin-preparing-now-for-christmas-expenses-to-avoid-holiday-debt/https://www.consumerfinance.gov/about-us/blog/five-step-spending-plan-avoid-holiday-debt/ Hosted on Acast. See acast.com/privacy for more information.

We’ve got one of our long-time guests on the show today – Shawn Mercer, from the Social Security Administration. He’ll take your social security questions. Our expert hosts take your personal finance questions. https://www.ssa.gov/The social security administration has gotten nimble with looking up baby names. You can read the top national names. You can look up the top 100 names per state. You can also look up the most popular names by year. https://www.ssa.gov/oact/babynames/There are 23 Social Security Offices in Mississippi. The phone number for Social Security in Jackson is 1-866-331-8135For Olive Branch the phone number is 1-866-739-4771If you need to reach the Gulfport office, you can call 1-877-897-0609https://www.ssofficelocation.com/mississippi-social-security-offices-sos24If you like little tips and tricks about social security, when you go to the ssa dot gov website – if you scroll to the bottom and click on “Connect with us – Blog” you’ll find informational articles from time to time.  https://blog.ssa.gov/Calls:getting marriedunemployment benefits62 year oldhow much can you earn?SSDI increaseRMDdisability time limitremarried and benefitsex-spouse benefitsRMDkids and disabilitysocial security "year"can payment date be moved?divorced Hosted on Acast. See acast.com/privacy for more information.

What are you afraid of? Do you have financial worries? We’d like to address some common financial fears. We want to help you label the fear and give you ways to face the fear. Our experts are on hand to answer personal financial concerns and questions. Producer Liz Gill came across an article on the website: https://womenwhomoney.com/common-financial-fears-overcome-money-worries/ and wanted to get OUR experts opinions on the money fears the article brought up. Discussion:Financial Fear #1 – Never getting out of debt Financial Fear #2 – Losing my job Financial Fear #3 – Something terrible happening to me (or my partner) Calls:Inherited IRAToo much money1031 exchange of propertyAnother inherited IRAWhere to get tax infoIf you’d like more information about saving for your child’s education find the Money Talks podcasts from: September 15th, 2020 http://moneytalks.mpbonline.org/episodes/money-talks-treasurer-david-mcraeand August 27th, 2019 http://moneytalks.mpbonline.org/episodes/money-talks-529-savings-planswhen we discussed 529 plans.In Legal Terms discussed Section 1031 property exchanges on June 15th, 2021 http://inlegalterms.mpbonline.org/ Hosted on Acast. See acast.com/privacy for more information.

Everyone wishes they handled money better. The Mississippi Council of Economic Education hopes to increase economic and financial literacy in Mississippi. We learn from our guest, Selena Swartzfager, President of MCEE how they do this, and we take your personal finance questions. Family Financial Fun DaySaturday June 12th – Lynn Meadow’s Discovery Center, Gulfport9-11am Register online by Friday June 11th, 2021Register here: https://form.jotform.com/MSEconEd/FFFDAYFamilies should plan to remain for the entirety of the 2-hour event. Parents/Guardians MUST accompany their children.Website for MCEE: https://mscee.org/Social media: https://www.facebook.com/mseconeducationhttps://twitter.com/mseconeducationhttps://www.instagram.com/mseconeducation/https://www.youtube.com/channel/UCyAzG-xXanobxdWvUkBxgPwEconomic ChallengePersonal Finance ChallengeDegree ProgramsCEUs for teachersWhy learn?PartnersCalls:one parents experenceunemployment taxesinvestment advice1st time home buyers http://moneytalks.mpbonline.org/episodes/money-talks-first-mortgage Hosted on Acast. See acast.com/privacy for more information.

Whether you’re 25, 55, or 75, maybe you’re dreaming of retirement. Today, we’ve got some tips geared for the 25 year-olds but everyone else will find some great information. Are you on fire for retirement? We're talking F. I. R. E.? We learn what that is and take your personal finance questions. Financial Independence, Retire Early from the 1992 book "Your Money or Your Life"save up to 70% of annual income, invest it with the help of a professionalgoal of retiring in 40s to either do nothing or travel or be selective in their jobonce savings reaches 30 times annual expenses you could retireCalls: saving advicesaving adviceemail - bond interestsavings bondsOther resources:https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/)https://www.ramseysolutions.com/retirement/what-is-the-fire-movement#:~:text=Movement%3F-,F.I.R.E.,Be%20confident%20about%20your%20retirement.https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asphttps://www.investopedia.com/articles/retirement/08/retiring-early-retirement.asphttps://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/ Hosted on Acast. See acast.com/privacy for more information.

Are you interested in a better job? Looking for a first job or are unemployed? The Mississippi Department of Employment Security is a resource for you. Experts from MDES will answer your job fair, win job center, and unemployment questions.  Our guests are from the Mississippi Department of Employment Security. Daphne James with the WIN Jobs Center, Adam Todd with the Governor’s Job Fair, and Jeff Rhodes a Benefits specialist. Podcasts about MS 529 College Savings Plans:http://moneytalks.mpbonline.org/episodes/money-talks-treasurer-david-mcraehttp://moneytalks.mpbonline.org/episodes/money-talks-529-savings-planshttp://moneytalks.mpbonline.org/episodes/money-talks-back-to-school-financesWebsite for Mississippi Department of Employment Security: https://mdes.ms.gov/Job Fair Calendar: https://www.jobfairs.ms.gov/event-calendarLook for the MDES MS Works app in the Apple app store. For android: https://play.google.com/store/apps/details?id=edu.msstate.nsparc.mdes&hl=en_US&gl=USLocal Win Job Centers are now open - 05/18/2021Governor's Job Fair Network are drive through now - 05/18/2021 Hosted on Acast. See acast.com/privacy for more information.

Thursday, May 13, 2021Tales from the Crypt Is Bitcoin and its sister digital currencies really money? Money represents work and earnings on that work or skill. It has 3 functions. It’s a medium of exchange. You can buy stuff with it-- trade it for food, housing, clothing, etc. Certainly, we are hearing more and more about cryptocurrency being accepted as a form of payment.Money is also a store of value. The money I make today doesn’t have to be spent today. I can put it in the bank or under my mattress and store those earnings for another day. Okay, so crypto qualifies here.Money is also a unit of account. That means the number of dollars, euros, renminbi, required to purchase something has meaning. When I travel overseas and find myself looking at price tags in another country, I’m clueless. They have no meaning to me, but prices in dollars and cents help me to peg a value on a good or service. Wow! That’s a good deal. Or, wow! That’s expensive. This is where crypto falters. Valuations fluctuate so widely that it is hard to translate the numbers to real value. Cryptocurrency lacks stability, and, so, fails the test on this function.But crypto is pushing the bounds of our definition of money. We have used many types of currency through the ages. Maybe this is just a new one taking hold. At one time, we used whale teeth for money. Of course, the precious metals have had their run—gold, silver, copper. We’ve even used salt for money! Heaven help you if you had a hole in your pocket. Money has gone through many iterations as we humans have looked for ways to move beyond bartering as we trade goods. For a look at a really strange currency, check out The Island of Yap.Money has 2 forms: commodity money and fiat money. Commodity money has value in and of itself. Think of gold and silver and even that salt. But fiat money has no real intrinsic value. Its value comes from the entity backing the currency. Anyone with old Confederate dollars in your attic? They only had value when the Confederacy was alive. Now, they are worthless (thank goodness). Ever pull out some coins from your trip to Canada at the convenience store? Sorry, worthless here. When it comes to fiat money, location is everything. Euros in Europe. Pound sterling in London. Renminbi in China. Each government issues its own currency, and the strength and stability of that currency is correlated to the strength and stability of that government.But crypto is different. It isn’t issued by a government. As such, it’s not confined to a location and particular borders. And that’s what makes it so appealing. No converting from Euros to dollars and back again, with all the requisite fees in between. Supposedly, it would be universally accepted. No banker is keeping track of your account. The system is self-contained to assure coins are transmitted appropriately.And crypto seems the natural transition as fewer and fewer actual coins and dollars are used. Rarely do I have actual dollars in my purse. My money is recorded in an account somewhere, and I pull out a debit card or use PayPal or Venmo to make purchases. The currency in my name is just a number on a computer screen somewhere, and isn’t that what crypto is? It’s just a digital currency.In 2009, someone or some people with the name of Satoshi Nakamoto invented the first truly digital currency called bitcoin. The ability to move vast sums across borders very quickly made it quite appealing to the criminal element. The dark side of this currency caused it to languish until recently. More and more, reputable businesses are trading in and accumulating digital currency.New digital currencies have sprouted up with names like Dogecoin, Ethereum, and even Polkadot. None are related to a particular government, but each serves different functions. Recently, we heard a presentation by an investment group solely focused on cryptocurrency. They have created exchange traded funds that own crypto and are encouraging advisors to include this in a diversified portfolio. We’re not convinced yet.Implicit in our current system is the position of an intermediary. These are the folks who are in between each transaction as money changes hands throughout the day. They are the bankers. A digital currency that is self-contained does not need an intermediary. That sounds appealing since it would reduce cost and increase speed. Imagine going to your house closing and pushing the button at the table to transmit your down payment. Voila! Deal done.But we still worry about the security of such a system. And we worry that the crypto we own today will lose value overnight. So, maybe it’s just not money… yet.Certainly, crypto investors have been reaping big benefits in the last couple of years. Our presenters from Bitwise Asset Management told us to NOT think of it as a medium of exchange. They describe it as a new technology that can speed up the pace of business while keeping costs low. They also said to think of dif

We love to have guests and special topics on Money Talks but sometimes we like to just see what you’d like to ask. We call these Open Topic shows. We’ll have some current events to discuss. You’re welcome to call in with your opinions and questions about what’s going on in the news now. Discussion:gasoline supply8th of May Emancipation https://themsms.org/8th-of-may-emancipation-celebration/April Jobs ReportShortages! such as truck drivers, boba, manufactured items, chlorine, wood, silicon chips, childcareEmergency Broadband Benefit Eligible households can enroll through an approved provider or by visiting GetEmergencyBroadband.org. Find broadband service providers more information here.Calls:What to read unemployment benefitsinherited IRAJobs commentstimulus check Hosted on Acast. See acast.com/privacy for more information.

Money Talks will de-mystify asking for a raise with this broadcast. Our guest today is Scott Stinson – Director of Human Resources here at Mississippi Public Broadcasting who will give us inside information on the best time and the best way to ask for a bigger salary. Discussion:Why don't we talk about salaries more?What are the laws?Prepare to ask for a raiseKnow what your job could payIs your agency healthy enough to give raisesDocument your abilitiesWhat should you actually say?Yes, Maybe, NoWhat else could you ask for?What about government employees?Promotions?Unions? Hosted on Acast. See acast.com/privacy for more information.