Money Talks

Get Covered Mississippi! representatives, Michael and Lottie Minor, were guests on Money Talks. The Navigators for http://healthcare.gov explained how to sign up beginning November 1st, 2018. http://www.getcoveredms.org/

Marketplace Application Checklist 2018 https://marketplace.cms.gov/outreach-and-education/marketplace-application-checklist.pdf

MS Affordable Care Act Enrollment Assisters by County  http://www.getcoveredms.org/yahoo_site_admin/assets/docs/Walk_In_Locations_by_County_2018-19.301210333.pdf

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We love our pets but they cost a lot! Here's some idea of the costs associated with our furry friends.

• Aquition fees: adoption or breeder costs
• First time costs
  • spay / neutering
  • initial exams
  • collar and leashes
  • litter box
  • scrating post
  • crate
  • dog training
  • fenced in backyard
• Annual costs
  • vaccines
  • flea control
  • heartworm provention
  • dental care
  • litter
  • toys and treats
  • health insurance
  • grooming
  • pet sitting / kennel services

For those who have lottery fever: our August 29th, 2017 gave some advice on how to handle your windfall http://www.mpbonline.org/blogs/money-talks/2017/08/29/money-talks-lottery-advice/

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Stephanie Bullock Project Coordinator for Complete 2 Compete,explains about the state wide initiative designed to help Mississippi adults, who have earned college credit but do not have a degree, better their lives by completing  a degree program. 

Complete 2 Compete website: http://www.msc2c.org/  phone number: (833) C2C - 4EDU  or (833) 222 - 4338

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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:

https://www.equifax.com/personal/education/credit/score/

https://www.experian.com/blogs/ask-experian/

https://www.transunion.com/credit-score

The 2 companies that calculate your credit score are:

FICO https://www.fico.com/

VantageScore https://www.vantagescore.com/

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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!

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Here are some suggestions to consider when you inherit or leave financial assets.

Inheritance:

1. Think before you spend
2. Pay off debts, don't incur them
3. Make investing a priority
4. Splurge thoughtfully
5. Leave something for your heirs - or charity
6. Don't rush to switch financial advisors

Passing along assets

1. Non-probate assets
2. Inter vivos gifts
3. Trust
4. Will
5. Intestate succession

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Tips on how you could cut your cell phone costs.

1. Switch to a no-contract plan.
2. Look to prepaid carriers.
3. Keep your phone longer.
4. Use Wi-Fi 
5. Cut the Insurance
6. Negotiate   
7. Look at your current data usage 
8. Limit background data.
9. Cut Out the Stuff You Don’t Use 
10. Sign up for automated payments and paperless billing.
11. Be careful when making international calls.
12. Add lines     

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What  services does YOUR broker provide? What IS a broker? (What is ticker tape?)

Kiplinger has a list of The Most-Overlooked Broker Perks https://www.kiplinger.com/slideshow/investing/T038-S002-most-overlooked-broker-perks/index.html

1. Income Estimators
2. FreeFunds
3. Rock-Bottom Commissions
4. Cutting-Edge Platforms
5. Sign-Up Bonuses
6. Credit Card Rewards
7. Free ATMs

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Our guest, Matt Ribe from the National Foundation for Credit Counseling, talks about Student  Loans. This show will benefit those with debt, those who have family with debt, those who might marry someone with debt, and anyone with kids who may incur debt in the future.

National Foundation for Credit Couseling https://www.nfcc.org/

Special NFCC website for Student Loans https://www.studentloanhelp.org/

Chartered Financial Analysts:  https://www.cfainstitute.org/

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