Rank #1: Money Talks: Time for a Financial Check Up?
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
Jan 15 2019
Rank #2: Money Talks: 50 Good Personal Finance Habits
We've got personal finance habits everyone should follow to work toward good financial health
This broadcast goes through a list from Time, online, that has 50 Personal Finance Habits Everyone Should Follow http://time.com/money/collection-post/4023439/personal-finance-habits/ Our hosts discuss some of them and their importance.
Previous broadcasts discussing persoanl finance habits:
Aug 07 2018
Rank #3: Money Talks: Budgets
We used as our guide for today's show: How to Choose the Right Budget System from Nerd Wallet https://www.nerdwallet.com/blog/finance/how-to-build-a-budget/
Examples of 4 types of budgets systems are THE 50/30/20 BUDGET, THE ENVELOPE SYSTEM, PAY YOURSELF FIRST, and THE ZERO-BASED BUDGET
· Automate your savings as much as possible so the money you’ve allocated for a specific purpose gets there with minimal effort on your part. An accountability partner or online support group can help, so that you’re held accountable for choices that blow the budget.
· Revisit your budget as needed. Your income, expenses and priorities will change over time. Adjust your budget accordingly, but always have one.
Sep 17 2019
Rank #4: Social Security
Aug 23 2017
Rank #5: Money Talks: Credit Score
Lenders often use credit scores to help decide if they will extend credit to consumers. We talk about what does and doesn't affect your credit score.
10 Credit Score Myths and Truths Behind Them was our guide for this show. https://www.msn.com/en-us/money/credit/10-credit-score-myths-and-the-truths-behind-them/ss-BBMDIAM
The 3 credit reporting agencies each have websites with consumer information about credit scores:
The 2 companies that calculate your credit score are:
Oct 02 2018
Rank #6: Money Talks: Social Security and Student Loans
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/
Apr 23 2019
Rank #7: Money Talks: Debt and Credit Counseling
Jul 03 2018
Rank #8: Money Talks: Retirement Mistakes
Jul 11 2018
Rank #9: Money Talks: Refinancing Mortgages
Guest: Adam Black, mortgage broker from Renasant Bank https://ablack-renasantbank.mortgagewebcenter.com/
The show discussed current interest rates, costs to refinance, and how to decide if you would benefit from refinancing your mortgage. Did you know most mortgages are originated by online, non depository lenders?
Calls talked about home equity loans, reverse mortgages, and cash out mortgages.
Jun 11 2019
Rank #10: Money Talks: 50 Habits
May 29 2018
Rank #11: Money Talks: Travel and Money
We’ve got some suggestions on how to travel with your money concerning safety, convenience, and fees.
- Traveler’s Cheques
- Credit Cards
- ATM Cards
- Exchange Rates
- Behavior tips
Ryder Taff from New Perspectives, gives expert advice. https://www.newper.com/
May 28 2019
Rank #12: Money Talks: How Much Car Can You Afford?
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/featured
A 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/
Mar 05 2019
Rank #13: Money Talks: Retirement Investing
Ryder Taff, our investment expert from New Perspectives https://www.newper.com/, suggests reading J.P. Morgan's Guide To Retirment https://am.jpmorgan.com/blob-gim/1383280097558/83456/JP-GTR.pdf
There are a number of retirement calculators available on the internet. Each person’s situation will be different. You will need to enter your current age, income, savings balance and how much you save toward retirement each month. Estimating travel expenses, health care, and if your home is paid for are all factors in deciding how much money you will need to live on during retirement. Vanguard and Nerd Wallet dot com each have a calculator you can play around with, putting in different amounts.
Aug 13 2019
Rank #14: Money Talks: Financial First Aid Kit
Get your finances prepared for disasters and emergencies!
2018 Emergency Financial First Aid Kit https://www.fema.gov/media-library-data/1524144185649-5dd9736e7ff89b5997182396f4e13fee/Emergency_Financial_First_Aid_Kit_(EFFAK)_signed_04.09.18_508.pdf
2017 MEMA's Hurricane preparedness guide http://www.msema.org/wp-content/uploads/2012/06/2017-Hurricane-Guide.pdf
May 08 2018
Rank #15: Money Talks: Millennial Money Advice
Nov 06 2018
Rank #16: Money Talks: Ways To Save $1,000
Dec 18 2018
Rank #17: Money Talks: All Social Security Hour
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
Mar 19 2019
Rank #18: Money Talks: Cutting Cell Phone Costs
Tips on how you could cut your cell phone costs.
- Switch to a no-contract plan.
- Look to prepaid carriers.
- Keep your phone longer.
- Use Wi-Fi
- Cut the Insurance
- Look at your current data usage
- Limit background data.
- Cut Out the Stuff You Don’t Use
- Sign up for automated payments and paperless billing.
- Be careful when making international calls.
- Add lines
Sep 11 2018
Rank #19: Money Talks: 529 Savings Plans
Sep 03 2019
Rank #20: Money Talks: Social Security September
District Manager, Shawn Mercer answers questions about Social Security.https://www.ssa.gov/
- living overseas
- life expectancy
- worked overseas
- civil service and disability
- survivor benefits among half siblings
- earned income while drawing
- changing your mind about drawing
- and more!
Sep 25 2018