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.

Money Talks

Money Talks: 3 Topics

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 You Can: Purchasing your own supplies and cooking-in can save you big bucks while you travel. Use Coupons: Do your research to find travel discounts and coupons for the areas you are visiting. Check out the brochure shelf in the lobby of your hotel. Visit the local tourist information offices for free maps and ideas. Tourist booklets and brochures. Back of supermarket receipts.Websites (local tourist boards and businesses and coupon sites).Have Breakfast Included: When booking a hotel or hostel look for one with breakfast included.Eat Street Food: The reasons are because it’s cheap, you help the locals, and it’s safe – you can see what is actually being cooked and is cooked fresh right in front of you. SHOP AROUND FOR TRAVEL INSURANCE – it can vary by company and how inclusive the insurance it is. Will it cover pandemics? Check and see – IF you want to pay for that level of coverage. Calls:IRS tracking your moneytourist vs. localbeware of skimmingcamping, eat localeat local See acast.com/privacy for privacy and opt-out information.

Money Talks: Travel Tips

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.

Money Talks: Stocks 2021

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.

Money Talks: Social Security September

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 get involved.Videos:Confessions of a Word Nerd - February 2021 https://www.youtube.com/watch?v=ji1YBYS_kuA&ab_channel=MPBEducationHow to Improve Your Personal Brand on Zoom - March 2021 https://www.youtube.com/watch?v=XIjElyuzsGk&t=14s&ab_channel=MPBEducationPlease Wear Pants to Work – April 2021 https://www.youtube.com/watch?v=ctLxbZ0dsc4&t=1664s&ab_channel=MPBEducationCustomer Service Still Matters – May 2021  https://www.youtube.com/watch?v=ut-NhDPV--I&ab_channel=MPBEducationGetting Back to Work in Mississippi – June 2021 https://www.youtube.com/watch?v=H4PXQbos m8k&ab_channel=MPBEducationAmerican Graduate Path to the Future – July 2021  https://youtu.be/F_qdZeMrsNkCustomer Service Employment Academy – August 2021  https://youtu.be/-FQNTx1XtXkPast Workforce Wednesdays with blog summaries:Lunch and Learn with CN Railroad https://gettingtowork.mpbonline.org/blogs/community-events/lunch-and-learn-workforce-wednesday-with-cn-railroad/MS Coding Academy featured at Workforce Wednesday https://gettingtowork.mpbonline.org/blogs/community-events/workforce-wednesday-with-ms-coding-academy/Secretary of State Delbert Hosemann speaks at MPB's Workforce Wednesday Luncheon  https://gettingtowork.mpbonline.org/blogs/community-events/secretary-of-state-delbert-hosemann-speaks-at-mpbs-workforce-wednesday-luncheon/Counselor's Workforce https://gettingtowork.mpbonline.org/blogs/community-events/counselors-workforce-luncheon/Military OneSource Offers Myriad Services to Service Members and https://gettingtowork.mpbonline.org/blogs/community-events/military-onesource-offers-myriad-services-to-service-members-and-civilians/Why Hiring a Veteran is a Plus for Employers https://gettingtowork.mpbonline.org/blogs/community-events/why-hiring-a-veteran-is-a-plus-for-employers/Murphy Shares Lessons on Mentoring at Workforce Wednesday Event https://gettingtowork.mpbonline.org/blogs/community-events/murphy-shares-lessons-on-mentoring-at-workforce-wednesday-event/Commissioner Cecil Brown shares state’s problems, solutions during Workforce Wednesday Luncheon https://gettingtowork.mpbonline.org/blogs/community-events/commissioner-cecil-brown-shares-states-problems-solutions-during-workforce-wednesday-luncheon/Apprenticeship is a workforce development solution benefiting individuals and employers   https://gettingtowork.mpbonline.org/blogs/community-events/apprenticeship-is-a-workforce-development-solution-benefiting-individuals-and-employers/Waller talks opportunity, career coaches and strengthening Mississippi's workforce https://gettingtowork.mpbonline.org/blogs/community-events/waller-talks-opportunity-career-coaches-and-strengthening-mississippis-workforce/ See acast.com/privacy for privacy and opt-out information.

Money Talks: Workforce Wednesdays

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.

Money Talks: Shared Fears

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://moneytalks.mpbonline.org/episodes/money-talks-cyber-securityCheck your credit report: https://www.consumer.ftc.gov/blog/2021/03/free-weekly-credit-reports-during-covid-extended-until-april-2022Phone numbers for the 3 credit reporting bureaus: Equifax:1 (888) 766-0008             Experian:1 (888) 397-3742  TransUnion:1 (800) 680-7289 See acast.com/privacy for privacy and opt-out information.

Money Talks: New Credit Freeze

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.

Money Talks: Emergency Fund

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.

Money Talks: Open Topic August

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.

Money Talks: Auctions

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.

Money Talks: Women and Money

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.

Money Talks: IRAs in 2021

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) Sell some items for extra cash. 8) Use your card’s rewards points or cash rewards for holiday shopping.9) Set expectations for the gift exchange. 10) Book holiday travel early.https://www.forbes.com/sites/billhardekopf/2020/11/17/10-tips-to-avoid-credit-card-debt-during-the-holidays/https://www.hallmarkchannel.com/home-and-family/how-to/how-to-avoid-holiday-debthttps://www.biblemoneymatters.com/begin-preparing-now-for-christmas-expenses-to-avoid-holiday-debt/https://www.consumerfinance.gov/about-us/blog/five-step-spending-plan-avoid-holiday-debt/ See acast.com/privacy for privacy and opt-out information.

Money Talks: Avoiding Holiday Debt

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.  https://blog.ssa.gov/Calls:getting marriedunemployment benefits62 year oldhow much can you earn?SSDI increaseRMDdisability time limitremarried and benefitsex-spouse benefitsRMDkids and disabilitysocial security "year"can payment date be moved?divorced See acast.com/privacy for privacy and opt-out information.

Money Talks: Social Security 2021

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-talks-529-savings-planswhen we discussed 529 plans.In Legal Terms discussed Section 1031 property exchanges on June 15th, 2021 http://inlegalterms.mpbonline.org/ See acast.com/privacy for privacy and opt-out information.

Money Talks: Financial Fears

Money Talks focuses on personal finance as it applies to Mississippians. In any given week, we’ll talk about anything from preparing your taxes to saving for college or investing in the stock market. 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. They join Kevin Farrell in the studio to answer your personal finance questions about family budgeting, retirement savings, Social Security, investments, debt management and more. Email the show at anytime at money@mpbonline.org. Money Talks airs Tuesday mornings at 9 Central Time on MPB Think Radio and over the internet at mpbonline.org

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Money Talks

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