Money Talks

Do you have a part time gig? Do you have many part time gigs as your only source of income?We have some helpful tips for those who are looking to increase their income and some cautions for those who aren't considered "employees". Remember: if you aren't an employee, you probably aren't having Social Security, State and Federal Taxes with held from your payment. You are responsible for paying those amounts in each quarter. There are a few tests that must be passed to determine if a worker is an employee or if they are an independent contractor: https://www.dol.gov/newsroom/releases/whd/whd20190429 https://www.thebalancecareers.com/15-side-jobs-to-make-some-extra-money-4074574 has a list of 15 Side Jobs to Make Some Extra Money and web links to get you started:1. Ride Share/Delivery Driver2. Household Helper/Personal Assistant3. Care Giver4. Pet Sitter or Dog Walker5. Customer Service Representative6. Get a Freelance Gig7. Rent Your Extra Space8. Sell Your Stuff9. Get Some Micro Jobs10. Participate in Research Studies or Focus Group11. Organizer/Mover12. Party Planner13. Work for a Caterer14. Tutoring15. Work at a Market or Festival Hosted on Acast. See acast.com/privacy for more information.

Today's show was listener driven. Callers wanted to talk about Social Security and Student Loans. So that's what we did! Our experts are Dr. Nancy Lottridge-Anderson, President of New Perspectives and Ryder Taff, portfolio manager at New Perspectives. Nancy and Ryder are both Chartered Financial Analysts and Ryder also holds the Certificate in Investment Performance Measurement from the CFA Institute. https://www.newper.com/ Hosted on Acast. See acast.com/privacy for more information.

How should an investor evaluate a stock? Our financial advisers give some tips and take personal finance questions on the show. Our experts are Dr Nancy Lottridge Anderson, President of New Perspectives and Ryder Taff, Portfolio Manager at New Perspectives. https://www.newper.com/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're talking Individual Retirement Accounts on this episode of Money Talks with hosts Nancy Lottridge-Anderson and Ryder Taff from New Perspectives https://www.newper.com/The difference between an Traditional IRA, a Roth IRA, a Simple IRARules concerning contributionsRules concerning distributions Hosted on Acast. See acast.com/privacy for more information.

This was an Open Topic day with a few tips to help your clothing budget.Questions anwered: Roth IRAs for tuition paymentsIRA contribution capsSaving for retirement vs cash in the bank403B and Lifestyle accountsBanking interest ratesIRA withdrawals and charity contributionsMedicare plansClothing buying tips:Shop off season but NOT in April or OctoberItems may go on sale after 6 weeks in the storeShop thrift storesBe careful at outlet stores - factory line: made for outlet sales NOT regular merchandiseTreat clothing shopping like grocery shopping - make a listWhen shopping online "abandon" your cart. The site may send you a discount code to get you to come back and make a purchaseAvoid dry-clean only clothes to save moneyTake care of your clothing so they last longerBuy classic clothes they stay in stylePay in cash and ask for a discountLearn the price codes:  https://lifehacker.com/know-the-secret-price-codes-at-major-retailers-to-save-921445013 Hosted on Acast. See acast.com/privacy for more information.

Guests Marcia Reed and David Johnson from Bank Plus join financial adviser Ryder Taff to talk about establishing a banking relationship. Credit Plus https://www.bankplus.net/Personal/CreditPlus/CreditPlus/Want to access your free annual credit report? Get one free each year from each of the three credit reporting agancies at https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report 36 Best New Bank Account Promotions & Offers – March 2019  https://www.moneycrashers.com/best-new-bank-account-promotions-offers/ Hosted on Acast. See acast.com/privacy for more information.

Jay White, host, and Shawn Mercer, District Manager with the Social Security Administration, spend the entire hour taking listener questions only about Social Security matters.You can find many answers to your Social Security, disability, and Medicare questions at http://ssa.gov Hosted on Acast. See acast.com/privacy for more information.

Guest Roddy Merritt gives us inside information on financing a car purchase, cautions us on buying too much vehicle; relays the benefits of a Certified PreOwned car.Roddy produces a car buying podcast: The Smart Car Buyer https://itunes.apple.com/us/podcast/the-smart-car-buyer/id1449100874?mt=2&ign-mpt=uo%3D4 for Apple and for Google Podcasts https://www.google.com/podcasts?feed=aHR0cHM6Ly9hbmNob3IuZm0vcy84NjY0MDc0L3BvZGNhc3QvcnNz   Roddy aslo has a YouTube Channel: https://www.youtube.com/channel/UCE1rg1w3QdMLnosCx-pl5sQ/featuredA helpful website: https://www.edmunds.com/car-buying/Roddy Merritt was a recent guest on MPB's Auto Correct where he spoke about choosing a car to purchase http://www.mpbonline.org/blogs/auto-correct/auto-correct-choosing-a-ride/ Hosted on Acast. See acast.com/privacy for more information.

Could an executive search professional be a good resource for you to advance in your industry? Our guest, Jack Farrell managing director of Jack Farrell and Associates, explains the relationship between a job candidate, a recruiter, and hiring company.  http://jackfarrell.com/site/This information packed episode discusses estabishing a relationship with a headhunter, what the search professional can do for a candidate, ways to become noticed in your industry, and tips for a successful job search.Helpful websites: https://www.linkedin.com/  https://www.indeed.com/  https://www.glassdoor.com/index.htm Hosted on Acast. See acast.com/privacy for more information.

This Open Topic day had calls about saving on your utility bills and emails about stock splits and finding tax information concerning a company in bankruptcy. Nancy mentioned MarketWatch's tweet about budgeting: https://twitter.com/MarketWatch/status/1096990188864241666set goals for paying down debt, building an emergency fund, saving for retirmentcalcualte net incomeafter needs are met, pay towards goals, THEN wants.Southern Pine Electric has provided a list of 10 Easy Ways to Lower Your Power BillTurn Off The Lights: Mom was right. Turn off the lights when you’re not in the room. Even energy-efficient LED and florescent lights. Every little bit helps.Turn Off Ceiling Fans: Ceiling fans only make us feel cooler because they move air across our skin. If you’re not in the room, you’re wasting money if it’s on.Avoid Space Heaters: Space heaters aren’t meant to heat a whole room or run for very long. More often than not, it’s less expensive to run an energy-efficient home heating system instead.Line Dry Clothing: Instead of drying clothes in an electric dryer, hand them on a line and let the sunshine do the work. It’s free.Open Blinds on Cold Days: Open blinds during the day to let in extra warmth from sunlight. But shut them at night to keep your warm air in.Close Blinds on Hot Days: Shut your blinds during the day. That blocks out extra heat from sunlight, so your home stays cooler longer.Kill the Vampires: Anything plugged in keeps sucking electricity even when you aren’t using it. To kill these “vampire electronics” unplug anything you aren’t using : a phone charger, a microwave, a hairdryer. You get the idea.Close Doors & Windows: when your heater or a/c unit is running, your home should be sealed. The more inside air you lose, the higher your bill well be.Seal Up Cracks: Even with doors and windows closed, air can still escape through cracks, costing you money. The solution? A $3 tube of caulk and some inexpensive weather stripping.Set Your Thermostat: When it’s worm out, set your thermostat to 78 degrees. When it’s cold, 68 degrees. Hosted on Acast. See acast.com/privacy for more information.

Not as many people will be "celebrating" Valentine's Day this year but spending for the holiday continues to rise. We have projections for who is buying what for whom on February 14th from the National Retail Federation, Finder.com, and StatistaWho is getting a gift? Ranked by average dollar amount projected to spend: Wife, Kids, Myself, Girlfriend, Friends, Husband, Secret, Other family members, Boyfriend, Pet cat, Pet dog.2019 Average expected spend: Men - $229.54 Women - $97.77Gifts of experience such as tickets to an event or a trip to a spa are wanted by 40% and planned to be given by 25%.https://nrf.com/insights/holiday-and-seasonal-trends/valentines-dayWhere's My Refund website from the IRS: https://www.irs.gov/refunds   What you'll need: Social security number or ITIN,  Your filing status,  Your exact refund amount or for mobile users download the app. Hosted on Acast. See acast.com/privacy for more information.

Whether you're celebrating 2019 or the Chinese New Year, here are some resolutions to Get Your Finances in Shape.Resolution 1: Create a budget for lifeResolution 2: Manage your debtResolution 3: Optimize your portfolioResolution 4: Prepare for the unexpectedResolution 5: Protect your estateCalls discussed: paying off your martgage (is it good; its it bad); choosing a professional for help; reverse mortgages; loans, stockholder's meetings; retirment advice.Financial Indurstry Regulatory Authority Broker Check: https://brokercheck.finra.org/ Hosted on Acast. See acast.com/privacy for more information.

Many Mississippians were out of school or off work and were able to call in for this broadcast of Money Talks, with Nancy Anderson and Java Chatman. Discussed in this episode: hosing sales plunge, college savings, increased standard deduction, and required minimum distributions among others. Hosted on Acast. See acast.com/privacy for more information.

If you haven't been saving enough for retirement, this show has some ideas to help you catch up. Ryder Taff from New Perspectives http://newper.com and host Java Chatman discuss ways to build up your retirement savings. Retirment Savings (how much do you need) = Time (how long to you have to contribute)  x Risk (how aggressive can you afford to be) x Amount (how much can you put in each month)Tax questions? Look on the IRS's website http://irs.gov Hosted on Acast. See acast.com/privacy for more information.

To start your year, we want to help you take a look at your financial status. How do you compare to other Americans? What are your goals for improving?Here's a Make a Budget Wooksheet from https://www.consumer.gov/content/make-budget-worksheet Hosted on Acast. See acast.com/privacy for more information.

Do you or someone you know need help planning, preparing, or paying for education after high school? Our guest for this show is Stephen Brown from Get 2 College. The not for profit organization provides free counseling services and supports high school counselors throughout the state in helping students get to college and be successful there. https://get2college.org/Mississippi Gulf Coast:715 Cox Avenue, Ocean Springs, MS 39564, 228.875.4441, [email protected] Jackson: 2600 Lakeland Terrace, Jackson, MS 39216, 601.321.5533, [email protected] Mississippi: 5699 Getwell Road, Building H, Suite 3, Southaven, MS 38672, 662.349.2789, [email protected] Hosted on Acast. See acast.com/privacy for more information.

Kevin Farrell and Ryder Taff discuss some cost cutting tips today. Everyone needs a reminder of ways to save some money. Each of these tips could save you $1000 over the coming year. Cut the cord Switch your cell phone plan Rethink your remodel Get a roommate Get a gig with Postmates Get a gig with Uber Get a high-deductible plan Open and fund an HSA Eat at home Buy the store brand Just say no to impulse buys Use Mint Book holiday flights in advance Drive instead of flying Hosted on Acast. See acast.com/privacy for more information.

Money Talks "talks" about money in the news: stocks, oil prices, jobs, no cash accepted, bitcoin, year end money decisions.  Hosted on Acast. See acast.com/privacy for more information.

There are lots of ways to give money: cash, gift cards, gelt, collectible currency, stock, tips. We'll discuss what you need to know this Hanukkah, Christmas, Kwanzaa, end of year season. A listener recomended the Early Learning in Mississippi Collaborative. The Early Collaborative Act of 2013 provides funding to local communities to establish, expand, and support successful early childhood education and development services.  http://www.mississippifirst.org/education-policy/pre-kindergarten/early-learning-mississippi/U. S. Mint collectables https://catalog.usmint.gov/shop/gift-ideas.html Hosted on Acast. See acast.com/privacy for more information.

Experts Nancy and Ryder from New Perspectives https://www.newper.com/ , and host Kevin discuss why we give, where we give, and what we give to charities. The Annual Report on Charitable Giving by the Secretary of State's office is on their website: http://sos.ms.gov along with links to the American Institue of Philanthropy, Charity Navigator, Guide Star and other websites that can give you information about recognized charities in Mississippi.Ryder mentioned the Mississippi Public Service Commission is where you go to register a residential or cellular phone number for the Do Not Call List http://www.psc.state.ms.us/Ryder's 5 steps for setting up a Donor Advised Fund:Open an account onlineFund the account with cash or stockInvest the funds within the accountDirect to which charity the proceeds should be donatedDesignate a beneficiary charity or administrator for after you are gone.  Hosted on Acast. See acast.com/privacy for more information.

Tips on the best practices for holiday shopping from host Kevin Farrell and answers to your personal finance questions from expert Nancy Lottridge-Anderson. https://www.newper.com/peopleStart early tracking pricesKnow sale prices before you head to the storesUse price and coupon toolsUse loyalty programsAsk friends to helpBudget your moneyAsk about return policyhttps://www.consumerreports.org/shopping-retail/top-10-black-friday-shopping-tips/ Hosted on Acast. See acast.com/privacy for more information.

Financial Adviser, Ryder Taff, takes personal fiance questions and discusses different ways to stretch your retirement funds. https://www.newper.com/people1. Make a plan2. Work a Little Longer3. Is an annuity an option?4. Traditional pension plan or cash balance plan5. Treasury Inflation-Protected Securities6. investing in equities to manage inflation risk7. Protect Against Long-Term-Care Costs8. Use your Home Equity: Hosted on Acast. See acast.com/privacy for more information.

Millennials are earning $10,000 less than their parents' generation did at the same age. The average student debt for a millennial is double that of the previous generation. Ryder Taff gives advice and takes questions about millennials and their money plus other personal finance questions.  Hosted on Acast. See acast.com/privacy for more information.

Get Covered Mississippi! representatives, Michael and Lottie Minor, were guests on Money Talks. The Navigators for http://healthcare.gov explained how to sign up beginning November 1st, 2018. http://www.getcoveredms.org/Marketplace Application Checklist 2018 https://marketplace.cms.gov/outreach-and-education/marketplace-application-checklist.pdfMS Affordable Care Act Enrollment Assisters by County  http://www.getcoveredms.org/yahoo_site_admin/assets/docs/Walk_In_Locations_by_County_2018-19.301210333.pdf Hosted on Acast. See acast.com/privacy for more information.

We love our pets but they cost a lot! Here's some idea of the costs associated with our furry friends.Aquition fees: adoption or breeder costsFirst time costsspay / neuteringinitial examscollar and leasheslitter boxscrating postcratedog trainingfenced in backyardAnnual costsvaccinesflea controlheartworm proventiondental carelittertoys and treatshealth insurancegroomingpet sitting / kennel servicesFor those who have lottery fever: our August 29th, 2017 gave some advice on how to handle your windfall http://www.mpbonline.org/blogs/money-talks/2017/08/29/money-talks-lottery-advice/ Hosted on Acast. See acast.com/privacy for more information.

Travel Consultant, Kathy Young from McGehee Cruise and Vacation, gives us tips about getting our money's worth from a cruise. http://mcgeheecruise.com/ Hosted on Acast. See acast.com/privacy for more information.

Stephanie Bullock Project Coordinator for Complete 2 Compete,explains about the state wide initiative designed to help Mississippi adults, who have earned college credit but do not have a degree, better their lives by completing  a degree program. Complete 2 Compete website: http://www.msc2c.org/  phone number: (833) C2C - 4EDU  or (833) 222 - 4338 Hosted on Acast. See acast.com/privacy for more information.

Lenders often use  credit scores to help decide if they will extend credit to consumers. We talk  about  what does and doesn't affect your credit score. 10 Credit Score Myths and Truths Behind Them was our guide for this show.  https://www.msn.com/en-us/money/credit/10-credit-score-myths-and-the-truths-behind-them/ss-BBMDIAMThe 3 credit reporting agencies each have websites with consumer information about credit scores:https://www.equifax.com/personal/education/credit/score/https://www.experian.com/blogs/ask-experian/https://www.transunion.com/credit-scoreThe 2 companies that calculate your credit score are:FICO https://www.fico.com/VantageScore https://www.vantagescore.com/ Hosted on Acast. See acast.com/privacy for more information.

District Manager, Shawn Mercer answers questions about Social Security.https://www.ssa.gov/living overseaslife expectancy  worked overseascivil service and disabilitysurvivor benefits among half siblingsearned income while drawing changing your mind about drawingand more! Hosted on Acast. See acast.com/privacy for more information.

Here are some suggestions to consider when you inherit or leave financial assets.Inheritance:Think before you spendPay off debts, don't incur themMake investing a prioritySplurge thoughtfullyLeave something for your heirs - or charityDon't rush to switch financial advisorsPassing along assetsNon-probate assetsInter vivos giftsTrustWillIntestate succession Hosted on Acast. See acast.com/privacy for more information.

Tips on how you could cut your cell phone costs.Switch to a no-contract plan.Look to prepaid carriers.Keep your phone longer.Use Wi-Fi Cut the InsuranceNegotiate   Look at your current data usage Limit background data.Cut Out the Stuff You Don’t Use Sign up for automated payments and paperless billing.Be careful when making international calls.Add lines      Hosted on Acast. See acast.com/privacy for more information.

What  services does YOUR broker provide? What IS a broker? (What is ticker tape?)Kiplinger has a list of The Most-Overlooked Broker Perks https://www.kiplinger.com/slideshow/investing/T038-S002-most-overlooked-broker-perks/index.htmlIncome EstimatorsFreeFundsRock-Bottom CommissionsCutting-Edge PlatformsSign-Up BonusesCredit Card RewardsFree ATMs Hosted on Acast. See acast.com/privacy for more information.

Our guest, Matt Ribe from the National Foundation for Credit Counseling, talks about Student  Loans. This show will benefit those with debt, those who have family with debt, those who might marry someone with debt, and anyone with kids who may incur debt in the future.National Foundation for Credit Couseling https://www.nfcc.org/Special NFCC website for Student Loans https://www.studentloanhelp.org/Chartered Financial Analysts:  https://www.cfainstitute.org/ Hosted on Acast. See acast.com/privacy for more information.

Our guests are from the US Department of Agriculture, Rural Development division - committed to helping improve the economy and quality of life in rural America. State Director, John Rounsaville and Housing Programs Director Johnny Jones provided information about the loans and grants availalbe to Mississippiand and the services and projects they impliment to serve Mississippi.https://www.rd.usda.gov/ms Hosted on Acast. See acast.com/privacy for more information.

With our guest Robert Dozier, Executive Director of the Mississippi Independent Pharmacist Association, we’ll be suggesting different methods to save money on prescription medications. Some of our tips may just be a change in the way you pay for your prescriptions other methods require you to speak with your doctor and pharmacist to determine what is right for you.Tips gathered from Consumer Reports May 2018 Issue concerns prescription drug prices. https://www.consumerreports.org/drug-prices/shop-around-for-better-drug-prices/Check different pharmacies: locally owned, chain and mail order. The cost of the same prescription drug can vary by hundreds of dollars at different pharmacies, even within the same town.You can sometimes save money by not using your insurance but by paying cash. Ask your pharmacist how much you would pay if you didn’t use insuranceLook for coupon online. To see whether a drugmaker offers discounts for an expensive medication you take, check its website or go to the government's list of discount drug programs.                  We’ll have that website on our website: https://www.medicare.gov/pharmaceutical-assistance-program/You may have to ask pharmacists some direct questions. That’s because they’re sometimes bound by “gag clauses” in contracts with insurers that prohibit them from suggesting cheaper alternatives without first being directly asked by a consumer.Ask your doctor whether you need a drug in the first place. You might not. In an April 2017 nationally representative Consumer Reports survey of more than 1,000 adults who take prescription drugs, 70 percent of those who asked their doctor if they could cut down on their drugs were able to eliminate at least one.Ask your doctor whether a related but less expensive drug is an option. If a drug is necessary, ask how much it will cost.A more recent Consumer Reports survey found that most doctors don’t regularly talk about drug costs with patients. So you might need to take the lead. When you do, ask whether a less costly drug might work as well. For example, generic drugs have the same active ingredients as brand-name ones, they're regulated in the same way by the Food and Drug Administration, and they cost 80 to 85 percent less.Some drugs, prescribed so infrequently that when their patent expires, no company applies to the FDA to make a low-cost generic version. But a few years ago some drug companies started seeing a business opportunity in these overlooked drugs and began purchasing the rights to them—then jacking up the prices.Look into 90-day prescriptions. That's especially true for medication to treat chronic conditions such as high blood pressure and diabetes. Larger numbers of pill reduce how often you need to cover co-pays if you use insurance.Ask your healthcare provider whether an older drug would work just as well. Drugmakers often tweak older drugs, then apply for a new patent, allowing them to charge more for the “improved” product. But those changes are often minor—a slightly larger dose, or time-released—and the new drugs aren’t much better than the original..Another option for people with high-deductible plans is to look into health savings accounts, or HSAs. They allow people with high-deductible plans to spend up to $6,900 a year in tax-exempt dollars on out-of-pocket medical expenses.Compare plans before you enroll in Medicare. When you first sign up near your 65th birthday or during open enrollment in the fall, use Medicare's plan-finder tool or call 800-MEDICARE to see how well different plans cover the drugs you take and whether you’re likely to go over $3,750 in drug costs. Hosted on Acast. See acast.com/privacy for more information.

We've got personal finance habits everyone should follow to work toward good financial healthThis broadcast goes through a list from Time, online, that has 50 Personal Finance Habits Everyone Should Follow http://time.com/money/collection-post/4023439/personal-finance-habits/  Our hosts discuss some of them and their importance.Previous broadcasts discussing persoanl finance habits:http://www.mpbonline.org/blogs/money-talks/2018/05/29/money-talks-50-habits/http://www.mpbonline.org/blogs/money-talks/2018/04/17/money-talks-open-topic-april/ Hosted on Acast. See acast.com/privacy for more information.

Communications Manager for the ride hailing company Lyft was our guest on Money Talks. Lyft provides employment to independent contractors and convienient rides within a designated area.    https://www.lyft.com/              Hosted on Acast. See acast.com/privacy for more information.

Our guest, Adam Todd, Governor's Job Fair Director gives tips and dates for Job Fairs in Mississippi. Governor's Job Fair Network of Mississippi: http://www.jobfairs.ms.gov/Pages/home.aspxVicksburg Area Job Fair 2018     August 7th, 2018 9am - 1pm Vicksburg Convention Center, VicksburgMid-South Area Job Fair 218    August 16th, 2018 9am - 1pm Brown Baptist Church Family Life Center 980 Stateline Rd. E, SouthavenGreenwood Leflore Area Job Fair 2018  August 28th, 2018  9am - 1pm  Leflore County Center 200 Mississippi Hwy 7, GreenwoodListen to a previous Money Talks: Win Jobs Center http://www.mpbonline.org/blogs/money-talks/2018/05/01/money-talks-win-jobs-centers/More employment information and assistance at the Mississippi Department of Employment Security http://mdes.ms.gov/win-job-centers/ Hosted on Acast. See acast.com/privacy for more information.

Our financial experts give their input concerning managing a loved one's money.Additional information: https://www.aarp.org/caregiving/financial-legal/info-2017/managing-someone-elses-money.html?intcmp=AE-CAR-LEG-R2-C1 Hosted on Acast. See acast.com/privacy for more information.

Our host, Kevin Farrell, and our financial expert, Ryder Taff, take personal finance calls and discuss : Fourteen Retirement Mistakes You Will Regret Forever from Kiplinger dot com   https://www.msn.com/en-us/money/retirement/14-retirement-mistakes-you-will-regret-forever/ss-AAySerT?li=BBnbfcN Hosted on Acast. See acast.com/privacy for more information.

Our guest Bruce McClary, with National Foundation for Credit Counseling answers questions about credit scores and debt Their website has information about buying a home, make a budgets, and an online financial self-assessment tool:    https://www.nfcc.org/ Hosted on Acast. See acast.com/privacy for more information.

Guest Jason Hargraves from InsuranceQuotes.com talks about auto and home insurance. What determines your rates? What discounts are available? What can you do to lower your rates? How much coverage should you obtain? https://www.insurancequotes.com/ Hosted on Acast. See acast.com/privacy for more information.

Guest Adam Black, mortgage banker with Renassant Bank explained home loans. https://ablack-renasantbank.mortgagewebcenter.com/ Hosted on Acast. See acast.com/privacy for more information.

Guest Danny Lee, President of Gulf Coast Association of Realtors discusses shopping for your largest purchase - a home.Buy A Home: Step by Step https://www.houselogic.com/buy/how-to-buy-step-by-step/first-time-home-buying-tips/The Ultimate "I Wanna Buy A House!" Checklist https://static.houselogic.com/content/webfiles/c5b8efec-f322-4402-9ffe-73ffebc36423/HouseLogicThe_Ultimate_I_Wanna_Buy_lmXO9NE.pdf Hosted on Acast. See acast.com/privacy for more information.

Ryder Taff, CFA, CIPM and Portfolio Manager at New Perspectives, Inc talks about bond duration, online trading, margin accounts, and risk.Financial Industry Regulatory Authority information: https://www.finra.org/investors/advanced-investing Hosted on Acast. See acast.com/privacy for more information.

Time, online, has a list of 50 Personal Finance Habits Everyone Should Follow http://time.com/money/collection-post/4023439/personal-finance-habits/  Our hosts discuss some of them and their importance. Hosted on Acast. See acast.com/privacy for more information.

Guest attorney Richard Courtney discusses elder and disability money issues. http://www.elderlawms.com/richard-a-courtney/ Hosted on Acast. See acast.com/privacy for more information.

Don’t assuming coupons are always moneyCheck for coupons and sale items on an app   Don’t stay loyal to brands   Don’t ignore expiration dates   Don’t shop when you're hungry    Buying pre-made foods may be more expensive   Trends are a way to sell new items    Stock up on Sale Items    Check Unit Prices   Beware of entrances, the seasonal isle, and the homewaresCheck out the freezer isle for out of season produces   Bring a list and stick to it  At Kroger, use your SNAP card and receive a Fresh Savings coupon at checkout to save up to $10 on your next purchase of fresh produce.   At farmers markets and other select locations, spend up to $20 on SNAP-eligible food and get up to $20 more FREE to spend on fresh produce.   Fresh Savings is available in Tennessee and Mississippi. Contact us at [email protected] or 1-800-854-3324.    https://endseniorhunger.aarp.org/fresh-savings/ Hosted on Acast. See acast.com/privacy for more information.

Get your finances prepared for disasters and emergencies!2018 Emergency Financial First Aid Kit  https://www.fema.gov/media-library-data/1524144185649-5dd9736e7ff89b5997182396f4e13fee/Emergency_Financial_First_Aid_Kit_(EFFAK)_signed_04.09.18_508.pdf 2017 MEMA's Hurricane preparedness guide http://www.msema.org/wp-content/uploads/2012/06/2017-Hurricane-Guide.pdf Hosted on Acast. See acast.com/privacy for more information.

The WIN Job Center and their employment experts are resources that provide job placement assistance, job and skill training, priority services for veterans, career counseling and referral to many other valuable services. Guests:Daphne James and Robert Freeman http://mdes.ms.gov/win-job-centers/  Hosted on Acast. See acast.com/privacy for more information.