Money Talks

Guest, Ray Higgins - Director of PERS This podcast has information about PERS for retirees, those close to retirement, and those employees still working with retirement in the future. You could read the Public Employee Retirement System of Mississippi handbook, or listen to MPB’s Money Talks broadcast and podcast with the director of PERS, Ray Higgins. You’ll get a good understanding of how PERS benefits state workers and retirees. Contact PERS at their statewide number: 1-800-444-7377 or email them at their email address: customerservice@pers.ms.govWebsite: pers.ms.govDepartment of Finance and Administration for Mississippi: Health Insurance for Retirees http://knowyourbenefits.dfa.ms.gov/ See acast.com/privacy for privacy and opt-out information.

What’s an annuity? Are they all the same? Who needs one? We’ll learn about these financial products from our financial analysists - Nancy and Ryder - who can also take your personal finance questions.Discussion about annuitiesCalls:paying off a student loanare annuities good or bad?what is an index fixed annuityhow to get started in investingpaying extra on a mortgagewhat's up with GameStopIRAs podcast: http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d57S and P 500 podcast: http://moneytalks.mpbonline.org/episodes/money-talks-s-and-p-500Baby Steps of Investing: http://moneytalks.mpbonline.org/episodes/money-talks-investing-baby-steps See acast.com/privacy for privacy and opt-out 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.Traile

We’ve made it to April in 2021. We’ve got some IRS tax tips to share, some April buy and not to buy suggestions. But this is just chit chat between your calls and emails. It’s an Open Topic show.In the News:IMF forcast for global growthYeld curveObservances in April:Fair Housing MonthFinancial Literacy MonthNational Financial Capability MonthNational Internship Awareness MonthMoney Smart Week - April 10-17, 2021Global Work From Home Day - April 10International Financial Independence Awareness Day - April 25 Ways to gain financial literacy:Bogle On Mutual Funds: New Perspectives For The Intelligent Investor (Wiley Investment Classics) John C. Vogel bookhttps://www.investopedia.com/https://twitter.com/LizAnnSondershttp://moneytalks.mpbonline.org/their book P.I.G.G.Y. Plan-It: Prudent Investors Get Going Young MSU extension service - guest on podcast for Dec 22, 2021Get Good with Money: Ten Simple Steps to Becoming Financially Whole by Tiffany the Budgetnista AlicheNew Perspectives website and twitter@New

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

It’s time to review all the topics we’ve covered on Money Talks in the past 12 months. If you’ve missed any episodes, we’ll give you the flavor of some of the episodes so you can find the ones that interest you on our podcast. Last Spring, we talked a lot about current events each week. We had guests from the Mississippi Department of Employment Security, we talked about fraud and the Cares Act and the Economic Impact Payments. We had a guest from Edmunds dot com talk about new car buying. A guest from the National Foundation for Credit Counseling. The executive director of Mississippi Food Network.Nancy remarked on the information that MDES gave us so often and so willingly for the first of three shows on 04/07/20.Kevin like the car buying show on 04/28/20 and fraud show on 04/14/20 that we were able to share with our listners.Producer, Liz, like the MS Food Network information from 06/02/20.In the Summer and Fall we had less Open Topics shows and more personal finance broadcasts. We recapped those orga

There’s been talk but no action on raising the federal minimum wage. On a recent Money Talks we had some passionate callers express their opinions on the minimum wage. We’d like to discuss the topic for the full hour today – between your personal finance questions. Our guest today is State Economist Corey Miller. http://www.mississippi.edu/urc/Calls:Automation instead of workersImpact on retired workersLiving wageDifferent amounts for different areasGovernment assistanceWage substituteLivable See acast.com/privacy for privacy and opt-out information.

Do you still have student loans? Do your grandchildren have student loans? Our guest today is Bruce McClary from the Nation Foundation for Credit Counseling. We’ll learn how the pandemic is affecting student loans and what to expect for those about to enter higher education.Call the Nation Foundation for Credit Counseling about student loans at 1-877-406-6322 or the general number 800.388.2227 https://www.nfcc.org/who-we-help/student-loan-borrowers/Discussion:You can stop paying on your student loan until Sept. of 2021. Or direct your payments to principal only for federal loans. No benefits for private loans.Check your annual credit report to see that your loan amount is being accounted for correctly. FREE CREDIT REPORTS AVAIALBLE WEEKLY UNTIL 04/2022Student loan benefits may be in unpassed legislation.Income driven repayment optionsPublic service loan forgiveness optionsMore information at https://studentaid.gov/ where you can find a student loan simulator to determine the best repayment program f

If you’re a regular listener to MPB Think Radio, you are a regular listener to news stories. Today, our experts are going to translate those news stories to how that information affects you – in Mississippi. Income tax, stimulus payments, minimum wageretail sales collectionsspecial perpose acquisitionsnew Treasury SecretarycryptocurrenciesIncome tax phase outthe next COVID relief - enhansed unemployment benefits extended and increased, $1400 stimulus checks$15 mimimum wage See acast.com/privacy for privacy and opt-out information.

Guests: MDES Executive Director, Jackie Turner, Deputy Executive Director-General Counsel, John Garrett, and Director, Office of ReEmployment Assistance, Erma CookHosts: 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://mdes.ms.gov/ 601-493-9427There is no fee for Unemployment Services through MDES. They do not solicit payments on social media and employees are prohibited from using social media to assist customers. If you are asked to pay a fee for these services, DO NOT PAY the fee and report this to MDES.If someone filed an unemployment claim using your information report this immediately to MDES. Beware of scams aiming to steal your personal information. Claimants should only use the agency’s official website: mdes.ms.gov to give out personal information. Some customers wer

Everyone likes free. Some folks need free versions of services or items. We’re working off a list from MSN 27 Things You Should Never Pay For — and How to Get Them for Free Birthday meals: 20 Restaurant Chains That Offer Free Food for Your Birthday Through April of 2021, you can get free credit reports from Equifax, Experian and TransUnion as often as once a week.  https://www.annualcreditreport.com/index.actionCredit cards: The words to look for: No annual fee. https://www.creditcards.com/ https://wallethub.com/credit-cards/no-annual-fee/ https://www.creditkarma.com/credit-cards/no-annual-feeStream entertainment for free. 15 Free Streaming Services to WatchDon’t forget MPB television is available all over the state for free. If you need help adjusting your antenna for better reception the technical service folks here at MPB can help you with that over the phone if you call the front desk during business hours (601) 432- 6565To see the free over-the-air channels available where you live, ente

Our experts discuss the saga of GameStop stock. With information about:The IMFCBOsilver marketbubbles: displacement, boom, uphoria, profit taking, panicshort sellshedge fundsretail investorscollusionRobinhood and the funds they have on handCalls about:mutual funds and how "big" is GameStopowning part of a companyearning per sharewhere to buy savings bonds: bankscommentWill there be Congressional investigations? See acast.com/privacy for privacy and opt-out information.

Our financial advisors Dr. Nancy Lottridge-Anderson and Ryder Taff teach us about stocks and fragments of stocks.And a discussion of Game Stop! https://www.cnbc.com/2021/01/26/gamestop-shares-are-jumping-again-but-short-sellers-arent-backing-down.htmlWhat is a stock?Where do you buy them?Buying slices of a stockChanges in investingWhat can you buy a slice of?RecordkeepingIPOChicago Board of Trade See acast.com/privacy for privacy and opt-out information.

After you’ve paid Rent, utility bills, debt payments, and groceries and set aside at least a little cash in an emergency fund, it's time to start investing. Magic of compounding interestDon't pass up free matching 401K moneyDecide how much to contributeWays to save for retirmentBrokerQuestions: lotterystock cerfificateearned income for Roth IRArolling over a Roth IRAstock optionsrobo advisors such as ACORNcash in checking accountSuggested articles: https://www.nerdwallet.com/article/investing/how-to-start-investinghttps://www.investopedia.com/articles/basics/06/invest1000.asphttps://www.fool.com/investing/how-to-invest/Investment podcast http://moneytalks.mpbonline.org/episodes/money-talks-retirement-investingBrokers podcast http://moneytalks.mpbonline.org/episodes/money-talks-brokersDetermining your invetment risk tolerance http://moneytalks.mpbonline.org/episodes/5cd31f1633f6c1be55607da7 See acast.com/privacy for privacy and opt-out information.

Our experts talk about what's in the news and answer your personal finance questions.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.Stimulus checks have been deposited, are being sent as paper checks, and sent as debit cards. The IRS Get My Payment tool is the most appropriate and timely avenue for status updates on your EIP. https://www.irs.gov/coronavirus/get-my-payment Visit the IRS.gov website with questionsSaturday, Jan 16th is National Use Your Gift Cards DayAdditional unemployment assistance is avaialble. https://mdes.ms.gov/unemployment-claims/covid19/pandemic-unemployment-assistance-pua/MDES: Call 7am to 7pm Monday to Friday: 601-326-1119, or 601-493-9427. You can leave a call back number. They are very busy so penitence is requested – so says MDES on THEIR twitter page. https:

Our guest today is Dr. Rebecca Campbell Smith, associate professor with the MSU Extension Service. Dr. Smith works with the Extension Center for Economic Education and Financial Literacy.http://extension.msstate.edu/Family finanical management websiteThe Healthy, Wealthy and Wise Program is designed to motivate adults to improve financial health and increase wealth by reducing debt, increasing savings and gaining confidence in the ability to make wise financial decisions.When Your Income Drops If your family suffers loss of income, try to remain calm and don’t waste time and energy blaming yourself. Instead, take control of the situation by doing the best you can with the resources available to your family.Managing Personal Finances During COVID-19: This toolkit provides information and resources to help individuals and families stabilize and improve their financial well-being as they weather loss of income and declining asset values. It is also intended to help consumers protect themselves now and position t

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/Blog: Leaving Money on the Table https://newper.blogspot.com/2020/12/leaving-money-on-table.htmltalking about when to take social security.Social Security https://www.ssa.gov/My Social Security https://www.ssa.gov/myaccount/Money Talks Social Security Podcast: http://moneytalks.mpbonline.org/episodes/money-talks-social-security-decemberMoney Talks on You Tube on the MPB Think Radio ChannelFrugal Fit Mom’s video called 132 meals for $42The Minimal Mom channel has a video called 57 Things We Don’t Buy AnymoreBlog: What Were We Thinking ?!? https://newper.blogspot.com/2020/10/reading-along-with-ryder-part-5-what.htmlDuring these times of COVID-19, accessing your credit is important. That's why Equifax, Exper

We’ve all been invited to a webinar. FICO – the credit score company – and the Mississippi Council on Economic Education has teamed up to teach us about our credit score and allow each of us to sign up for free one on one counseling from a local non-profit credit counselor.The invited guest speaker is Congressman Bennie Thompson -US Representative for our 2nd district.  https://www.fico.com/sabf?utm_source=social&utm_medium=social_SABF&utm_campaign=jackson_partnersAfter you register, you’ll get the link to the webinar, which will be held from noon to 1:15pm Wednesday Dec. 9th, 2020.Our guest, Shawn Mercer - District Manager for Social Security, takes your call and emails. ssa.govscam phone callsssa.govretirment estimatormy social securityDon't carry your card with you!Use the "office locator" on ssa.gov to get your local ssa phone numberdisability claims and medicare sign upCalls and emails:structured investmentsoptimal time to retireestimated benefitchange namegiving out your social security n

On Giving Tuesday, our guest is: Keith Fulcher, president of the Community Foundation for Northwest Mississippi https://cfnm.org/ Find out more on their YouTube Channel: https://www.youtube.com/user/CFNM2002/videosWe learned what a community foundation is and who the CFNM serves (eleven Mississippi counties: Bolivar, Coahoma, DeSoto, Leflore, Marshall, Panola, Quitman, Sunflower, Tallahatchie, Tate and Tunica)Other community foundations in the area:Community Foundation of East Mississippi: five county area, Lauderdale, Kemper, Neshoba, Newton and Clarke. https://www.cfem.org/The Gulf Coast Community Foundation: South Mississippi. https://www.mgccf.org/West Point Community Foundation http://www.wpnet.org/index.php/community/community_foundationCREATE Foundation serves Northeast MS: Alcorn, Benton, Calhoun, Chickasaw, Clay, Itawamba, Lafayette, Lee, Lowndes, Marshall, Monroe, Oktibbeha, Pontotoc, Prentiss, Tippah, Tishomingo and Union counties.  https://createfoundation.com/Pinebelt Fo

Our experts from New Perspectives discuss with our MPB host ways to cut expenses from your life.First: start by tracking your spending habits.Next, get on a budget.When looking to cut expense, re-evaluate your subscriptions.Utility and specifically electric use are large portions of the average household budget. The food budget is usually a pretty big part of a budget. If you’re looking to cut expenses, make it harder to spend money.( didn’t get to: Your insurance payments may be taking up more of your budget than needed.Sometimes cutting expenses means more drastic measures.Look at housing costsSometimes vices or bad habits are putting a drain on your wallet.A very drastic measure to save money might be have a family member live somewhere else – such as a pet. Also look at gift giving options, organized children’s activities, and personal grooming.)Websites to look at:https://www.debt.org/blog/how-to-cut-expenses/https://www.thesimpledollar.com/save-money/trimming-the-fat-forty-ways-to-reduce-your-monthly-re