11/05/19

Guests: Sharon Person discussing MPB's Nov. 20th Hiring Event and Adam Todd, Director of the Governor’s Job Fair Upcoming events:<a href="https://www.jobfairs.ms.gov/Pages/EventDetails.aspx?eid=94a1af2d-2897-40be-bacc-3129724cb3ba&amp;ts=1572985473676&amp;return=calendar" target="_blank">Forest Area Job Fair 2019</a>11/7/2019 9:00 AM - 12:00 PMNational Guard Armory 300 Frontage Rd.Forest, MS <a href="https://www.jobfairs.ms.gov/Pages/EventDetails.aspx?eid=7acf604b-bfdc-41f0-b2e3-f7198df9160b&amp;ts=1572985498622&amp;return=calendar" target="_blank">Southwest Regional Workforce Training Center Job Fair Nov. 2019</a>11/12/2019 9:00 AM - 1:00 PMSouthwest Regional Workforce Training Enter 1146 Horace Holmes Dr.Summit, MS <a href="https://www.jobfairs.ms.gov/Pages/EventDetails.aspx?eid=eef9a337-d249-4c8f-b37b-aaccc8912b7b&amp;ts=1572985512541&amp;return=calendar" target="_blank">American Graduate Job Fair 2019</a>11/20/2019 9:00 AM - 2:00 PMMississippi Public Broadcasting 3825 Ridgewood RdJackson, MS <a href="https://www.jobfairs.ms.gov/Pages/EventDetails.aspx?eid=d99f38bf-fe3b-4265-a9f9-8ac7cc41f096&amp;ts=1572985549272&amp;return=calendar" target="_blank">Meridian Area Job Fair 2020</a>2/6/2020 9:00 AM - 1:00 PMTommy E. Dulaney Center 915 Hwy 19 NMeridian, MS <a href="https://www.jobfairs.ms.gov/Pages/EventDetails.aspx?eid=75d62119-2035-42c7-89e4-251bd76c7812&amp;ts=1572985563081&amp;return=calendar" target="_blank">Flowood Chamber Job Fair</a>2/11/2020 10:00 AM - 1:00 PMThe Ivy Venue, 1170 Luckney Road Flowood, MississippiFlowood, MS Governor's Job Fair Network of Mississippi: <a href="https://www.jobfairs.ms.gov/Pages/home.aspx" target="_blank">https://www.jobfairs.ms.gov/Pages/home.aspx</a> More employment information and assistance at the Mississippi Department of Employment Security&nbsp;<a href="http://mdes.ms.gov/win-job-centers/" target="_blank">http://mdes.ms.gov/win-job-centers/</a> Listen to a&nbsp;previous Money Talks: Win Jobs Center: <a href="http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d85" target="_blank">http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d85</a>

Money Talks: Getting To Work

02/25/2020

Nancy and Ryder often give advice on what to do with your money. Today they’re going to remind you what you might NOT want to do with your savings, investments, or retirement funds. They also take other personal finance questions.&nbsp;<ul><li>Precious metals</li><li>Cryptocurrency</li></ul> <ul><li>Recent stock market drop</li><li>Young adult's debt</li><li>No credit score</li><li>Ginny Mac</li><li>Free IRS filing</li></ul><a href="https://www.irs.gov/" target="_blank">https://www.irs.gov/</a><a href="https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free" target="_blank">https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free</a> <h2>Income&nbsp;$69,000 and&nbsp;Below</h2><h2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Free File Online Products</h2><ul><li>File your taxes with free, easy to use software</li><li>Free state return options are available</li><li>Use the&nbsp;<a href="https://apps.irs.gov/app/freeFile/jsp/wizard.jsp" target="_blank">Free File Online Lookup Tool</a>&nbsp;to find free federal and free state return options</li></ul>

Money Talks: Investing Don'ts

02/11/20

It's National Second Hand Wardrobe Week February 9th - 15th! Guests from various types of stores -Thrift: Michelle Hatfield, Community Relations Director for The Salvation Army - Jackson <a href="https://salvationarmyalm.org/jackson/family-store-salvation-army/" target="_blank">https://salvationarmyalm.org/jackson/family-store-salvation-army/</a>Consignment: Parker Wilkinson, Store Manager for Repeat Street, Jackson <a href="https://www.repeatstreet.net/" target="_blank">https://www.repeatstreet.net/</a>Pawn: Monique Worthy, Store Manager for Plato's Closet, Ridgeland <a href="https://www.platoscloset.com/location/ridgeland-ms/" target="_blank">https://www.platoscloset.com/location/ridgeland-ms/</a> Our hosts also talked about the exchange of clothes through Classified Ads such as Facebook Marketplace or eBay.

Money Talks: Secondhand Wardrobe

02/04/20

Did you know your credit score will change this summer because of new metrics? Money Talks experts will explain what a FICO credit score is, how to obtain and understand your credit report, and take your personal finance questions. ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;UPDATE: Starting in 2020, everyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at AnnualCreditReport.com. Facts discussed in the show can be found:<a href="https://www.consumer.ftc.gov/articles/0155-free-credit-reports" target="_blank">https://www.consumer.ftc.gov/articles/0155-free-credit-reports</a><a href="https://www.finra.org/investors/personal-finance/how-your-credit-score-impacts-your-financial-future" target="_blank">https://www.finra.org/investors/personal-finance/how-your-credit-score-impacts-your-financial-future</a> Calls and emails:<ul><li>taxes</li><li>credit score</li><li>balance transfers</li><li>credit repair</li><li>student loans</li></ul>

Money Talks: Credit Reports and New FICO Score

01/28/20

We covered a lot of material on this broadcast! Where does $100,000 in retirement savings last the longest?&nbsp;Mississippi <a href="https://money.yahoo.com/retirement-savings-states-165907606.html" rel="noopener noreferrer" target="_blank">https://money.yahoo.com/retirement-savings-states-165907606.html</a> Powerball and Mega Millions lottery tickets go on sale Thursday, February 20th 2020 in Mississippi.<a href="https://www.mslotteryhome.com/" rel="noopener noreferrer" target="_blank">https://www.mslotteryhome.com/</a>We did an episode about the lottery in Mississippi (link to come)and an episode about winning the lottery (link to come)Our recent show about getting your taxes done early (link to come)What TO BUY in February:<ul><li>tvs and electronic</li><li>furniture and appliances</li><li>winter apparel and gear</li><li>tax software</li><li>jewelry</li><li>chocolate and other valentine's merchandise including flowers</li></ul>What NOT TO BUY in February:<ul><li>spring clothes</li><li>traditional valentine gifts</li><li>gym memberships</li><li>travel - exception cruises</li><li>luggage</li></ul>

Money Talks: February Open Topic

01/21/20

Our experts from New Perspectives discusses with host, Kevin Farrell, the SECURE Act. Increased the required minimum distribution ageIncreased the maximum contribution age No more stretch IRAsAnnuities in 401(k) plansBirth or adoption of a childStudent loan debtMultiple employer plans for small businessesEncouraging auto-enrollment in retirement plans by employers <a href="https://waysandmeans.house.gov/sites/democrats.waysandmeans.house.gov/files/documents/SECURE%20Act%20section%20by%20section.pdf" target="_blank">https://waysandmeans.house.gov/sites/democrats.waysandmeans.house.gov/files/documents/SECURE%20Act%20section%20by%20section.pdf</a>

Money Talks: SECURE Act

01/14/20

January is Financial Wellness Month, Get Organized Month, and Tax Identity Theft Week - January 27 - February 2, 2020 Internal Revenue Service announced last week that the official opening day of the 2020 tax season for individuals will be Jan. 27Reasons to file tax returns as soon as possible:<ul><li>Avoid tax identity theft: Tax Identity Theft Week - January 27 - February 2, 2020.</li><li class="ql-indent-1">&nbsp;This fraud is particularly worrisome because the legitimate taxpayer may have no way of knowing that fraud has been committed. The scam only works for returns that haven't been filed by legitimate consumers, so fraudsters are highly motivated to file as early as possible.</li><li class="ql-indent-1">Ways to prevent Tax Identity Theft:</li><li class="ql-indent-2">File early</li><li class="ql-indent-2">Review your credit reports for suspicious activity</li><li class="ql-indent-2">Protect your personal information – don’t provide a Social Security number at businesses; ask if another form of ID is acceptable</li><li class="ql-indent-2">Check your Social Security earnings statement to see if anyone is using your number</li><li class="ql-indent-2">Install antivirus software on your computers</li><li class="ql-indent-2">Change your passwords on online accounts regularly</li></ul>More reasons to file early:<ul><li>Get your refund faster: </li><li class="ql-indent-1">If you e-file and direct deposit – you could receive your refund in 1 to 3 weeks.</li><li class="ql-indent-1">Paper file, direct deposit – 3 weeks</li><li class="ql-indent-1">E-file, paper check – one month</li><li class="ql-indent-1">Paper file, paper check – 2 months</li><li class="ql-indent-1">If you claimed either the earned income tax credit or the Additional Child Tax Credit, law requires the IRS to hold these returns’ refunds until February 15.</li><li>Extra time to pay your taxes: You have until April 15 to pay your tax bill. If you know you owe you’ll have more time to save up.</li><li>Get filing responsibility out of the way. According to a recent TaxSlayer survey, a majority of taxpayers (52%) are stressed over filing their taxes. Any time you face an unpleasant task, it’s best to get it out of the way as soon as possible. </li><li>Early filers face less competition for access to their tax professional. Some tax pros will charge more to complete your taxes as the filing deadline approaches.&nbsp;</li></ul> How you can get your taxes filed electronically for free?the IRS announced it has signed a new agreement with companies that electronically prepare free returns for eligible taxpayers<ul><li>This year, taxpayers with adjusted gross incomes of $69,000 or less can use free commercial software by going to IRS.gov/freefile. Free File opened Jan. 10, although taxpayers won’t actually be able to file their returns until the start of the tax season – January 27th.</li><li>Before settling on one company, check to see if you can also file your state return. Some companies will prepare your state return and e-file it free through partnerships with participating state programs.</li><li> Mississippi Department of Revenue’s webpage with the free or low coast electronic filing partners: <a href="https://www.dor.ms.gov/Individual/Pages/e-file-Program.aspx" target="_blank">https://www.dor.ms.gov/Individual/Pages/e-file-Program.aspx</a></li></ul> National Consumer League - Tax ID Theft&nbsp;Information <a href="https://www.fraud.org/tax_id_theft" target="_blank">https://www.fraud.org/tax_id_theft</a>

Money Talks: Tax Prep Early

01/07/2020

Is your IRA &nbsp;&nbsp;made up of CDs, LLCs, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;or invested in the NASDAQ? Do you pay PMI &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;on your FHA loan? What do all these acronyms mean?&nbsp;Our CFAs &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;talk about some of these questions and take your personal finance calls. Calls: <ul><li>What affect do recent events have on oil company stock prices?</li><li>How much of one company's stock to hold in your portfolio?</li><li>When to take retirement account required minimum distributions (RMD) in light of the SECURE Act (&nbsp;Setting Every Community Up for Retirement Enhancement)</li><li>Listener wants to decide when to retire and how to change their investment strategy</li><li>What's an Index Fund?</li></ul>

Money Talks: Financial Acronyms

12/17/19

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.&nbsp; Contact PERS at their statewide number: 1-800-444-7377 or email them at their email address: <a href="mailto:customerservice@pers.ms.gov" target="_blank">customerservice@pers.ms.gov</a>Website: <a href="https://www.pers.ms.gov/" target="_blank">pers.ms.gov</a> Department of Finance and Administration for Mississippi: Health Insurance for Retirees <a href="http://knowyourbenefits.dfa.ms.gov/" target="_blank">http://knowyourbenefits.dfa.ms.gov/</a>

Money Talks: PERS

12/10/19

How do our financial indices compare to last year or 10 years ago? What do these financial terms mean?<ul><li>inflation</li><li>college loans</li><li>stocks </li><li>bonds</li></ul>

Money Talks: End of 2019

The show about you and your money.

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: Getting To Work

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Money Talks: Secondhand Wardrobe

Money Talks: Credit Reports and New FICO Score

Money Talks: February Open Topic