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/

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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

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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/

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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

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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/1096990188864241666

1. set goals for paying down debt, building an emergency fund, saving for retirment
2. calcualte net income
3. after needs are met, pay towards goals, THEN wants.

Southern Pine Electric has provided a list of 10 Easy Ways to Lower Your Power Bill

1. Turn 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.
2. 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.
3. 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 system instead.
4. Line Dry Clothing: Instead of drying clothes in an electric dryer, hand them on a line and let the sunshine do the work. It’s free.
5. Open Blinds on Cold Days: Open blinds during the day to let in extra warmth from sunlight. But shut them at night to keep your warm air in.
6. Close Blinds on Hot Days: Shut your blinds during the day. That blocks out extra heat from sunlight, so your home stays cooler longer.
7. Kill the Vampires: Anything plugged in keeps sucking electricity even when you aren’t using it. To kill these “vampire electronics” unplug anything you aren’t using : a phone charger, a microwave, a hairdryer. You get the idea.
8. Close Doors & Windows: when your heater or a/c unit is running, your home should be sealed. The more inside air you lose, the higher your bill well be.
9. Seal Up Cracks: Even with doors and windows closed, air can still escape through cracks, costing you money. The solution? A $3 tube of caulk and some inexpensive weather stripping.
10. Set Your Thermostat: When it’s worm out, set your thermostat to 78 degrees. When it’s cold, 68 degrees.

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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 Statista

Who 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 - $97.77

Gifts 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-day

Where'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.

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Whether you're celebrating 2019 or the Chinese New Year, here are some resolutions to Get Your Finances in Shape.

Calls 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/

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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.

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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

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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

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