Do you consider yourself a savvy investor? Would you like to become one? Let’s learn about valuation. How can you tell if a security is undervalued or overvalued? What metrics are used? What is fundamental analysis? We’ll answer these questions and your personal finance calls and emails. Questions: Payoff car or save Savings rates https://www.bankrate.com/ Able accounts http://moneytalks.mpbonline.org/episodes/money-talks-able-accounts July 2, 2019 Vangard opinion explained Investing in private ...
Jun 07, 2022•50 min
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 professional goal of retiring in 40s to either do nothing o...
May 31, 2022•50 min
Who needs a job? Who needs a better job? Who has no idea what they want to do so they need help figuring out what kind of job would suit them? If you answered yes to any of these – have we got a broadcast for you. Our guests are Daphne James from WIN Job Centers and Adam Todd from the Governor’s Job Fair Network. https://mdes.ms.gov/ WIN Job Centers https://mdes.ms.gov/win-job-centers/ Governor's Job Fairs https://www.jobfairs.ms.gov/ Don't forget to register to attend! https://wings.mdes.ms.gov...
May 24, 2022•49 min
We always talk about what’s in the news at the top of the show but today we’ll discuss what’s in the news the whole show. It’s an Open Topic Day. Our experts take any personal finance question you’d like. They can answer a question about a news story you heard or maybe you’d like a financial term explained better. Ask us anything – within reason. Gold standard Twitter and the collective wisdom of the market Housing – feds supporting more housing https://www.ssa.gov/ Financial terms Comforting wo...
May 17, 2022•50 min
Do you have a “My Social Security Account”? After listening to this show, you’ll learn why you need one. Our guest is District Manager for Social Security, Shawn Mercer who is a fantastic resource Money Talks has from time to time to answer your questions personally. Ryder is in the studio taking your personal finance questions. https://www.ssa.gov/ https://www.medicaid.gov/ National Social Security Phone Number: 1-800-772-1213 Questions: International access Deceased spouse Turning 65 “State Bu...
May 10, 2022•49 min
If you aren’t married to the other adult in your home, how do you handle your household finances? The relationships in an unmarried home could be Cohabitation, Roommates, or Intergenerational. Do you discuss who pays the bills? How should expenses be handled? These are some of the questions Money Talks address today in addition to taking your personal finance questions. Discuss finances Nonmarital Agreement Join Purchase Agreement Have a will Questions: I Bonds and interest rates (Previous MT sh...
May 03, 2022•50 min
We throw around financial terms on Money Talks. Maybe you’re familiar with them or maybe you’re not. We’ll talk today about some vocabulary that’s good to know. We also answer questions that relate to your personal finances. In the news: streaming twitter Terms: APR Blue Book Value COBRA DRIP escrow Joint tenancy with right of survivorship verses tenancy in common Liability Load Nonmarital agreement Term life insurance verses whole life insurance An official website of the United States governme...
Apr 26, 2022•50 min
One way to increase your earning potential may be attending a Community College. Who are they for? Those right out of college? Those who may have started but not finished a degree? Someone wanting to retrain for a new career? We’ll learn today with our guest Kell Smith, Interim-Executive Director for the Mississippi Community College Board. (601) 432-6518 https://www.mccb.edu/ info@mccb.edu Accelerate Mississippi: https://acceleratems.org/ If you cheer for an educational institution because of t...
Apr 19, 2022•50 min
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 Group https://www.magnoliatravelgroup...
Apr 12, 2022•49 min
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 1 W-2 and W-4 Chapter 7 and Chapter 13 65 years old 70 and 1/2 years old Rule of 72 https://www.investopedia.com/terms/r/ruleof72.asp 401(k), 403(b), and 457 529 1099 By 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.h...
Apr 05, 2022•40 min
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...
Mar 29, 2022•49 min
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.html Credit building loan: https://www.experian.com/blogs/ask-experian/how-do-I...
Mar 15, 2022•49 min
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 03/01/2022 Bills 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 deeds Bills dead (? dead dead?): SB 2643: Divorce law reform, SB 2634: TANF savings ac...
Mar 08, 2022•50 min
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 whol...
Mar 01, 2022•49 min
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://...
Feb 22, 2022•49 min
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=govdelivery You can help stop scammers by reporting suspicious profiles or messages to the dating app or social media platform whe...
Feb 15, 2022•49 min
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 ...
Feb 08, 2022•49 min
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...
Feb 01, 2022•51 min
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 usage make sure your home is insulated and well maintained do your own maintenance and repairs improve your credit before gettin...
Jan 25, 2022•49 min
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 software What are examples IRS news Budgeting software What to lookout for https://www.nerdwallet.com/article/taxes/best-tax-software https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free https://www.irs.gov/ne...
Jan 18, 2022•49 min
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? News If you receive extra money New financial contribution limits Look over last year's financial plan Budget Is 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...
Jan 11, 2022•50 min
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? News If you receive extra money New financial contribution limits Look over last year's financial plan Budget Is 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...
Jan 11, 2022•50 min
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, 2021 On Preparedness Friday, February 19, 2021 In the News: PPP loans expanded Job losses going down Suez Canal ship stuck Non-fungible tokens Emergencies savings for loss of income, vehicle replacement, medical c...
Jan 04, 2022•49 min
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 re...
Dec 28, 2021•50 min
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 Sure...
Dec 21, 2021•49 min
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 multiples After you calculate a company’s financial ratio, what do you do then? Enterprise value multiples and equity multiples What would we want to know about the company “Kevin’s Sneakers” to evaluate its stock price? Calls: TIPS IRA funds to charities RMD age Hosted on Acast. See acast.com...
Dec 14, 2021•50 min
https://newper.blogspot.com/2021/11/insurance-series-post-3-home-base.html Money Talks expert hosts are Chartered Financial Analysts from New Perspectives. They’ve posted a new blog on their website new per.com Money 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: money@mpbonoine.org Insurance Series - Post 3: Home Base Our home is the physical center of our lives. It shelters us. It houses ou...
Dec 10, 2021•1 min
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 paper Where to store digital Tax returns and supporting documents Pay stubs, bank statements, credit card statements Utility bills ATM receipts Home purchase records Home mortgage records Rental records Brokerage statements What to keep forever What else to keep Dispose of paper Safe digital records I...
Dec 07, 2021•49 min
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-charity https://www.fbfs.com/learning-center/6-surprising-facts-about-charitable-giving Scams 3/13/2018 http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d8c Community Foundation 12/0...
Nov 30, 2021•49 min
https://newper.blogspot.com/2021/11/your-spending-and-your-values.html Friday, November 19, 2021 Your Spending and Your Values Money Talks expert hosts are Chartered Financial Analysts from New Perspectives. They’ve posted a new blog on their website new per.com Money 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: money@mpbonoine.org Hosted on Acast. See acast.com/privacy for more info...
Nov 26, 2021•1 min
