Money Talks

We’ve got some suggestions on how to travel with your money concerning safety, convenience, and fees.Traveler’s ChequesCredit CardsATM CardsCashExchange Rates Behavior tipsRyder Taff from New Perspectives, gives expert advice. https://www.newper.com/ See acast.com/privacy for privacy and opt-out information.

How do you know you need a new mattress? How do you choose one?Our guest, Horace McMillon from Miskelly's Furnature will guide us through how to tell when it's time for a new mattress, what are our options, and how to choose a mattress.https://www.consumerreports.org/mattresses/buy-a-better-mattress/https://brandongaille.com/31-mattress-industry-statistics-and-trends/ See acast.com/privacy for privacy and opt-out information.

We let the listeners decide what to talk about on this Open Topic day. The results: savings bonds, 401 K contributions, what to do with your cash, and credit card debt. We also suggested what to buy in May and what gifts a new graduate might like.Savings Bonds information: https://www.treasurydirect.gov/ See acast.com/privacy for privacy and opt-out information.

You've got 11 months before the next tax day. What can you do to make it easier on yourself?How long do you need to keep what paper? It's time for Financial Spring Cleaning. Listen to the show to learn what you should do about your retirement accounts, insurance, beneficiary information, debts, and automated payments.It's time to evaluate your tax withholding, charitable giving, and scheduled medical procedures. Keep good records for yourself and your family for emergencies, disasters, or in case of death. Keep Sales Receipts until warranty expires or can no longer return or exchangeWhat to keep for 1 month:  ATM Printouts (When you balance your checkbook each month throw out the ATM receipts)What to keep for 1 year:Paycheck StubsUtility BillsCancelled ChecksCredit Card ReceiptsBank StatementsQuarterly Investment StatementsWhat to keep for 3 yearsIncome Tax Returns (Please keep in mind that you can be audited by the IRS for no reason up to three years after you filed a tax return. If

Do you have a part time gig? Do you have many part time gigs as your only source of income?We have some helpful tips for those who are looking to increase their income and some cautions for those who aren't considered "employees". Remember: if you aren't an employee, you probably aren't having Social Security, State and Federal Taxes with held from your payment. You are responsible for paying those amounts in each quarter. There are a few tests that must be passed to determine if a worker is an employee or if they are an independent contractor: https://www.dol.gov/newsroom/releases/whd/whd20190429 https://www.thebalancecareers.com/15-side-jobs-to-make-some-extra-money-4074574 has a list of 15 Side Jobs to Make Some Extra Money and web links to get you started:1. Ride Share/Delivery Driver2. Household Helper/Personal Assistant3. Care Giver4. Pet Sitter or Dog Walker5. Customer Service Representative6. Get a Freelance Gig7. Rent Your Extra Space8. Sell Your Stuff9. Get Some Mi

Today's show was listener driven. Callers wanted to talk about Social Security and Student Loans. So that's what we did! 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/ See acast.com/privacy for privacy and opt-out information.

How should an investor evaluate a stock? Our financial advisers give some tips and take personal finance questions on the show. Our experts are Dr Nancy Lottridge Anderson, President of New Perspectives and Ryder Taff, Portfolio Manager at New Perspectives. https://www.newper.com/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're talking Individual Retirement Accounts on this episode of Money Talks with hosts Nancy Lottridge-Anderson and Ryder Taff from New Perspectives https://www.newper.com/The difference between an Traditional IRA, a Roth IRA, a Simple IRARules concerning contributionsRules concerning distributions See acast.com/privacy for privacy and opt-out information.

This was an Open Topic day with a few tips to help your clothing budget.Questions anwered: Roth IRAs for tuition paymentsIRA contribution capsSaving for retirement vs cash in the bank403B and Lifestyle accountsBanking interest ratesIRA withdrawals and charity contributionsMedicare plansClothing buying tips:Shop off season but NOT in April or OctoberItems may go on sale after 6 weeks in the storeShop thrift storesBe careful at outlet stores - factory line: made for outlet sales NOT regular merchandiseTreat clothing shopping like grocery shopping - make a listWhen shopping online "abandon" your cart. The site may send you a discount code to get you to come back and make a purchaseAvoid dry-clean only clothes to save moneyTake care of your clothing so they last longerBuy classic clothes they stay in stylePay in cash and ask for a discountLearn the price codes:  https://lifehacker.com/know-the-secret-price-codes-at-major-retailers-to-save-921445013 See acast.com/privacy for privacy and opt-out

Guests Marcia Reed and David Johnson from Bank Plus join financial adviser Ryder Taff to talk about establishing a banking relationship. Credit Plus https://www.bankplus.net/Personal/CreditPlus/CreditPlus/Want to access your free annual credit report? Get one free each year from each of the three credit reporting agancies at https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report 36 Best New Bank Account Promotions & Offers – March 2019  https://www.moneycrashers.com/best-new-bank-account-promotions-offers/ See acast.com/privacy for privacy and opt-out information.

Jay White, host, and Shawn Mercer, District Manager with the Social Security Administration, spend the entire hour taking listener questions only about Social Security matters.You can find many answers to your Social Security, disability, and Medicare questions at http://ssa.gov See acast.com/privacy for privacy and opt-out information.

Guest Roddy Merritt gives us inside information on financing a car purchase, cautions us on buying too much vehicle; relays the benefits of a Certified PreOwned car.Roddy produces a car buying podcast: The Smart Car Buyer https://itunes.apple.com/us/podcast/the-smart-car-buyer/id1449100874?mt=2&ign-mpt=uo%3D4 for Apple and for Google Podcasts https://www.google.com/podcasts?feed=aHR0cHM6Ly9hbmNob3IuZm0vcy84NjY0MDc0L3BvZGNhc3QvcnNz   Roddy aslo has a YouTube Channel: https://www.youtube.com/channel/UCE1rg1w3QdMLnosCx-pl5sQ/featuredA helpful website: https://www.edmunds.com/car-buying/Roddy Merritt was a recent guest on MPB's Auto Correct where he spoke about choosing a car to purchase http://www.mpbonline.org/blogs/auto-correct/auto-correct-choosing-a-ride/ See acast.com/privacy for privacy and opt-out information.

Could an executive search professional be a good resource for you to advance in your industry? Our guest, Jack Farrell managing director of Jack Farrell and Associates, explains the relationship between a job candidate, a recruiter, and hiring company.  http://jackfarrell.com/site/This information packed episode discusses estabishing a relationship with a headhunter, what the search professional can do for a candidate, ways to become noticed in your industry, and tips for a successful job search.Helpful websites: https://www.linkedin.com/  https://www.indeed.com/  https://www.glassdoor.com/index.htm See acast.com/privacy for privacy and opt-out information.

This Open Topic day had calls about saving on your utility bills and emails about stock splits and finding tax information concerning a company in bankruptcy. Nancy mentioned MarketWatch's tweet about budgeting: https://twitter.com/MarketWatch/status/1096990188864241666set goals for paying down debt, building an emergency fund, saving for retirmentcalcualte net incomeafter needs are met, pay towards goals, THEN wants.Southern Pine Electric has provided a list of 10 Easy Ways to Lower Your Power BillTurn Off The Lights: Mom was right. Turn off the lights when you’re not in the room. Even energy-efficient LED and florescent lights. Every little bit helps.Turn Off Ceiling Fans: Ceiling fans only make us feel cooler because they move air across our skin. If you’re not in the room, you’re wasting money if it’s on.Avoid Space Heaters: Space heaters aren’t meant to heat a whole room or run for very long. More often than not, it’s less expensive to run an energy-efficient home heating sy

Not as many people will be "celebrating" Valentine's Day this year but spending for the holiday continues to rise. We have projections for who is buying what for whom on February 14th from the National Retail Federation, Finder.com, and StatistaWho is getting a gift? Ranked by average dollar amount projected to spend: Wife, Kids, Myself, Girlfriend, Friends, Husband, Secret, Other family members, Boyfriend, Pet cat, Pet dog.2019 Average expected spend: Men - $229.54 Women - $97.77Gifts of experience such as tickets to an event or a trip to a spa are wanted by 40% and planned to be given by 25%.https://nrf.com/insights/holiday-and-seasonal-trends/valentines-dayWhere's My Refund website from the IRS: https://www.irs.gov/refunds   What you'll need: Social security number or ITIN,  Your filing status,  Your exact refund amount or for mobile users download the app. See acast.com/privacy for privacy and opt-out information.

Whether you're celebrating 2019 or the Chinese New Year, here are some resolutions to Get Your Finances in Shape.Resolution 1: Create a budget for lifeResolution 2: Manage your debtResolution 3: Optimize your portfolioResolution 4: Prepare for the unexpectedResolution 5: Protect your estateCalls discussed: paying off your martgage (is it good; its it bad); choosing a professional for help; reverse mortgages; loans, stockholder's meetings; retirment advice.Financial Indurstry Regulatory Authority Broker Check: https://brokercheck.finra.org/ See acast.com/privacy for privacy and opt-out information.

Many Mississippians were out of school or off work and were able to call in for this broadcast of Money Talks, with Nancy Anderson and Java Chatman. Discussed in this episode: hosing sales plunge, college savings, increased standard deduction, and required minimum distributions among others. See acast.com/privacy for privacy and opt-out information.

If you haven't been saving enough for retirement, this show has some ideas to help you catch up. Ryder Taff from New Perspectives http://newper.com and host Java Chatman discuss ways to build up your retirement savings. Retirment Savings (how much do you need) = Time (how long to you have to contribute)  x Risk (how aggressive can you afford to be) x Amount (how much can you put in each month)Tax questions? Look on the IRS's website http://irs.gov See acast.com/privacy for privacy and opt-out information.

To start your year, we want to help you take a look at your financial status. How do you compare to other Americans? What are your goals for improving?Here's a Make a Budget Wooksheet from https://www.consumer.gov/content/make-budget-worksheet See acast.com/privacy for privacy and opt-out information.

Do you or someone you know need help planning, preparing, or paying for education after high school? Our guest for this show is Stephen Brown from Get 2 College. The not for profit organization provides free counseling services and supports high school counselors throughout the state in helping students get to college and be successful there. https://get2college.org/Mississippi Gulf Coast:715 Cox Avenue, Ocean Springs, MS 39564, 228.875.4441, gulfcoast@get2college.orgMetro Jackson: 2600 Lakeland Terrace, Jackson, MS 39216, 601.321.5533, jackson@get2college.orgNorth Mississippi: 5699 Getwell Road, Building H, Suite 3, Southaven, MS 38672, 662.349.2789, nms@get2college.org See acast.com/privacy for privacy and opt-out information.