Money Talks

Host(s): Dr. Nancy Lottridge-Anderson, President of New Perspectives, Ryder Taff, Portfolio Manager with New Perspectives & Kevin Farrell, Producer

Guest(s): Joseph Yoon, Insights Analyst, Edmunds.com

Topics Discussed: Car buying.

Email:  [email protected].

If you enjoyed listening to this podcast, please consider making a contribution to MPB: https://donate.mpbfoundation.org/mspb/podcast.

Hosted on Acast. See acast.com/privacy for more information.

Host(s): Dr. Nancy Lottridge-Anderson, President of New Perspectives, Ryder Taff, Portfolio Manager with New Perspectives & Kevin Farrell, Producer

Guest(s): Pam Pybas, ASHI certified inspector at Inspect It Like a Girl

Topics Discussed: Home Inspections.

Email:  [email protected].

If you enjoyed listening to this podcast, please consider making a contribution to MPB: https://donate.mpbfoundation.org/mspb/podca

Hosted on Acast. See acast.com/privacy for more information.

Host(s): Dr. Nancy Lottridge-Anderson, President of New Perspectives, Ryder Taff, Portfolio Manager with New Perspectives & Kevin Farrell, Producer

Topics Discussed: Open topic.

Email:  [email protected].

If you enjoyed listening to this podcast, please consider making a contribution to MPB: https://donate.mpbfoundation.org/mspb/podca

Hosted on Acast. See acast.com/privacy for more information.

Host(s): Dr. Nancy Lottridge-Anderson, President of New Perspectives, Ryder Taff, Portfolio Manager with New Perspectives & Kevin Farrell, Producer

Topics Discussed: Credit card terminology, benefits and risks.

Email:  [email protected].

If you enjoyed listening to this podcast, please consider making a contribution to MPB: https://donate.mpbfoundation.org/mspb/podca

Hosted on Acast. See acast.com/privacy for more information.

Host(s): Ryder Taff, Portfolio Manager with New Perspectives & Kevin Farrell

Topics Discussed: Valentine's Day spending trends, answers to your financial questions and your personal Valentine's Day messages read!

Email:  [email protected].

If you enjoyed listening to this podcast, please consider making a contribution to MPB: https://donate.mpbfoundation.org/mspb/podcast.

Hosted on Acast. See acast.com/privacy for more information.

We've got one of our longtime guests on the show today, Shawn Mercer from the Social Security Administration. He's ready to take your Social Security questions and Ryder Taff, Portfolio Manager with New Perspectives will handle your personal finance questions this morning. Email the show: [email protected].

Helpful Info & Links:

https://www.ssa.gov/

What should I do if I get a call claiming there's a problem with my Social Security number or account? https://faq.ssa.gov/en-us/Topic/article/KA-10018

https://www.ssa.gov/myaccount/

That national phone number is 1-800-772-1213.

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Investing in the stock market can be smart way of helping you reach short term and long-term financial goals. But if you're just starting out, how do you know how much to invest and what to invest in? Today Dr. Nancy Lottridge-Anderson, President of New Perspectives, Ryder Taff, portfolio manager and Kevin Farrell discuss investing and give you suggestions for starting out on the right foot.

Email the show: [email protected].

Hosted on Acast. See acast.com/privacy for more information.

There's several advantages to maintaining good credit, and it's important to review your credit report periodically to ensure that the information it contains is accurate. Today, in between your personal finance questions, Dr. Nancy Lottridge-Anderson, President of New Perspectives, Ryder Taff, portfolio manager and Kevin Farrell discuss credit.

Email the show: [email protected].

Hosted on Acast. See acast.com/privacy for more information.

Are you looking to buy a house in 2023? We don’t know the future, but we can learn about the possibilities. Our guest is Senior Mortgage Loan Specialist, Adam Black from First Commercial Bank. We talk about interest rates, applying for a mortgage, and the housing market. Our regular experts take personal finance questions.

Adam Black

Senior Mortgage Loan Specialist

NMLS 121384

1076 Highland Colony Parkway Ridgeland, MS 39157

Main 601.487.9120

www.firstcommercialbk.com

Our guest Adam Black a mortgage specialist has taught us a thing or two over the years. He joined us to talk about various aspects of home buying four times over the last four years.

062122 http://moneytalks.mpbonline.org/episodes/money-talks-mortgages-2022

071420 http://moneytalks.mpbonline.org/episodes/money-talks-first-mortgage

061119 http://moneytalks.mpbonline.org/episodes/money-talks-refinancing-mortgages

061918 http://moneytalks.mpbonline.org/episodes/5cd31f1533f6c1be55607d7e

According to the US Census Bureau: the number of New Houses Sold in November of 2022 were 640,000 with a Median Sales Price: $471,200 https://www.census.gov/construction/nrs/pdf/newressales.pdf

According to the website Red Fin dot com, in November of 2022 1,107 homes were sold in Mississippi with a median sales price of $244,000 https://www.redfin.com/state/Mississippi/housing-market

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Happy New Year! Welcome to 2023. We’ll talk today about information you might need for this new year. We learn about new tax amounts; ways to save money, ways to get back lost money, and ways to win money. Our experts take questions concerning personal finance.

2023

$66,000 - Defined contribution plan (401k, 403b) total limit per participant 

$66,000 - SEP IRA contribution limit 

$22,500 - 401k, 403b, 457 contribution limit (Salary deferrals)

$7,500 - 401k, 403b, 457 catch up

$6,500 - IRA contribution limit

$1,000 - IRA catch up 

$15,500 - SIMPLE IRA contribution limit

$3,500 - SIMPLE IRA catch up

$27,700 - Standard deduction (MFJ)

$20,800 - Standard deduction (Head of Household)

$13,850 - Standard deduction (Single, MFS)

$44,625 - Taxable income limit for 0% long-term capital gains (single)

$89,250 - Taxable income limit for 0% long-term capital gains (MFJ)

$17,000 - Gift tax exclusion 

$Unlimited - Brokerage account contribution limit

$160,200 - Social security wage base (No longer pay social security tax after this)

The amount of your taxable Social Security benefits depends on your combined income or the sum of:

1. 50% of all your Social Security benefits for the year
2. The adjusted gross income (AGI), which is your total income minus adjustments to that income, such as deductions and exclusions
3. Tax-exempt interest income, such as interest received on municipal bonds

Unearned / Earned income

Strategies for minimizing taxes

Registration is now open for the 10th Annual College Savings Mississippi Art Contest. The contest will run from January 1 through February 28. Students from across Mississippi will be competing for over $3,000 in Mississippi Affordable College Savings (MACS) scholarships by submitting an original piece of art based on the theme, “What do you want to be when you grow up?” https://treasury.ms.gov/artcontest/

The weather and other operational delays and cancelations that occurred at the end of December and the beginning of January show the importance of knowing your rights and keeping receipts. Southwest airlines has a website where you can make claims due to flight cancellations. We’ll have a link to their website and also the US Department of Transportation’s website where you can learn more about your customer rights.

https://www.southwest.com/traveldisruption/ 

https://www.transportation.gov/airconsumer/airline-customer-service-dashboard  

The United States Postal Service filed notice of Mailing Services price changes to take effect January 22, 2023. The new rates include a three-cent increase in the price of a First-Class Mail® Forever stamp from 60 cents to 63 cents. https://faq.usps.com/s/article/2023-Postage-Price-Changes

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