Money Talks

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 economy COVID on the economy how to get a credit report what will they ask why freeze creating new credit after you freeze your credit if your credit report is wrong check your Social Security Information at ssa.gov You might not be able to keep...

Credit card debt is on the rise. We give some cautionary advice and answer your questions. What do you need to be careful about when using credit cards? Is our situation right now typical? We answer debt or other personal finance questions.  Current stock market Bonds Private loads can not be converted to Federal Student Loans Credit Cards podcast - 08/08/2020 http://moneytalks.mpbonline.org/...

According to the Mississippi State Treasurer’s office, the average Mississippi student graduates college with $30,000 worth of debt. Also, 30% of these graduates are reporting delaying major life milestones (getting married, buying a house or car, and even having kids!) We'll discuss and answer questions about student loans. Blog post that the New Perspectives interns wrote that ties in with the e...

Our guest for the show today is Adam Black, Senior Mortgage Loan Specialist with First Commercial Bank. We’ll talk about getting a home loan in today’s climate. Are you considering buying a home or refinancing? https://www.firstcommercialbk.com/ S&P Case-Shiller home price index recent history of mortgages length of time types credit score down payment shopping for a mortgage 7/14/2020 Money T...

This show isn’t really intended to teach kids about money but today we’ll try to help YOU teach your kids and grandkids about money. We’ll discuss what they need to know at various ages. We’ll also take your “grown-up” money questions. New Perspectives Blog https://newper.blogspot.com/ https://www.consumerfinance.gov/consumer-tools/money-as-you-grow/ 20 Things Kids Need To Know To Live Financially...

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.mpb...

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% o...

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...

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 wisdo...

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 Securi...

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...

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 agreeme...

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 Accele...

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....

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 abo...

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 fili...

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-...

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 lan...

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 nee...

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 volat...

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...

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 o...

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”. h...

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...

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/be...