Money Talks

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

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 See acast.com/privacy for privacy and opt-out 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/ See acast.com/privacy for privacy and opt-out 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 ge

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 See acast.com/privacy for privacy and opt-out 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://mon

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/ See acast.com/privacy for privacy and opt-out 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 See acast.com/privacy for privacy and opt-out 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/ See acast.com/privacy for privacy and opt-out 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 See acast.com/privacy for privacy and opt-out 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 See acast.com/privacy for privacy and opt-out 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)

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. 

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-t

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.mpbonlin

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:

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 Cente

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

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 See acast.com/privacy for privacy and opt-out 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? See acast.com/privacy for privacy and opt-out information.