Money Talks

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 mor

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://w

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-bud

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-bud

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.

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

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 fo

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 See acast.com/privacy for privacy and opt-out 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: money@mpbonoine.orgInsurance 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

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

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: money@mpbonoine.org See acast.com/privacy for privacy and opt-out 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.  See acast.com/privacy for privacy and opt-out 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: money@mpbonoine.org See acast.com/privacy for privacy and opt-out 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 See acast.com/privacy for privacy and opt-out 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: money@mpbonoine.orgChicken 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

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 See acast.com/privacy for privacy and opt-out 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/20

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