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	<title>BLACK ENTERPRISE &#187; Blogs</title>
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	<link>http://www.blackenterprise.com</link>
	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>Growing The Net Worth of Black Women</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 19:47:17 +0000</pubDate>
		<dc:creator>Sakina P. Spruell</dc:creator>
				<category><![CDATA[B.E. Exclusives]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Women of Power Exclusives]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[gender bias]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[liabilities]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[wealth]]></category>
		<category><![CDATA[wealth disparities]]></category>
		<category><![CDATA[wealth gap]]></category>
		<category><![CDATA[women and money]]></category>
		<category><![CDATA[women and work]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70873</guid>
		<description><![CDATA[Don't be alarmed by the recent news that African American women only have a median net worth of $100. I'm actually glad to see that it wasn't in the negative. The reality of the situation is that too many people define themselves based on income.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Long-Term Investing to Create the Future You Deserve</title>
		<link>http://www.blackenterprise.com/magazine/2010/03/19/long-term-investing-to-create-the-future-you-deserve/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/03/19/long-term-investing-to-create-the-future-you-deserve/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 19:00:47 +0000</pubDate>
		<dc:creator>Earl "Butch" Graves Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Executive Memo]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[401(k) plans]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[long term investing]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=64964</guid>
		<description><![CDATA[In today’s unpredictable environment, far too many of us operate in survival mode, suffering from myopia when it comes to planning for our financial future. Sadly, I’ve found an overwhelming number of African Americans have made fear-fueled, short-term investment decisions that will clearly wreck their long-term wealth-building prospects.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/03/19/long-term-investing-to-create-the-future-you-deserve/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Calling on a New Generation of Giants</title>
		<link>http://www.blackenterprise.com/magazine/2010/03/19/calling-on-a-new-generation-of-giants/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/03/19/calling-on-a-new-generation-of-giants/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 19:00:08 +0000</pubDate>
		<dc:creator>Earl G. Graves, Sr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Publisher's Page]]></category>
		<category><![CDATA[Inner City Broadcasting]]></category>
		<category><![CDATA[Lee Archer]]></category>
		<category><![CDATA[Percy Sutton]]></category>
		<category><![CDATA[Reginald Lewis]]></category>
		<category><![CDATA[TLC Beatrice]]></category>
		<category><![CDATA[Tuskegee Airmen]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=64996</guid>
		<description><![CDATA[I’m calling on the next generation of black leaders and courageous visionaries, dedicated soldiers in the ongoing battle for equal justice and opportunity, to be the giants our world needs now.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/03/19/calling-on-a-new-generation-of-giants/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Protect Your Privacy</title>
		<link>http://www.blackenterprise.com/lifestyle/2010/03/19/protect-your-privacy/</link>
		<comments>http://www.blackenterprise.com/lifestyle/2010/03/19/protect-your-privacy/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 18:16:33 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[B.E. Exclusives]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Lifestyle Exclusives]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[LinkedIn]]></category>
		<category><![CDATA[privacy]]></category>
		<category><![CDATA[Twitter]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70752</guid>
		<description><![CDATA[In this fast-paced, digital age, everyone is connected. Unfortunately, that makes it very easy for someone to gain access to your personal information. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/2010/03/19/protect-your-privacy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Resisting the Credit Temptation</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 17:49:51 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Credit Card spending]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70331</guid>
		<description><![CDATA[When saying no to that impulse purchase is just too hard
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Jumpstarting Your Personal Brand After Mommy-hood</title>
		<link>http://www.blackenterprise.com/careers/2010/03/18/jumpstarting-your-personal-brand-after-mommy-hood/</link>
		<comments>http://www.blackenterprise.com/careers/2010/03/18/jumpstarting-your-personal-brand-after-mommy-hood/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 15:05:04 +0000</pubDate>
		<dc:creator>Karen Taylor Bass</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Careers]]></category>
		<category><![CDATA[Careers Exclusives]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Women of Power Exclusives]]></category>
		<category><![CDATA[branding]]></category>
		<category><![CDATA[career development]]></category>
		<category><![CDATA[career reinvention]]></category>
		<category><![CDATA[Monica]]></category>
		<category><![CDATA[parenting]]></category>
		<category><![CDATA[reinvention]]></category>
		<category><![CDATA[single mothers]]></category>
		<category><![CDATA[single parent]]></category>
		<category><![CDATA[the mommy track]]></category>
		<category><![CDATA[work-life balance]]></category>
		<category><![CDATA[working mothers]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70255</guid>
		<description><![CDATA[In mommy-hood, how do you re-invent your personal brand to incorporate your new status when its time to go back to work?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/careers/2010/03/18/jumpstarting-your-personal-brand-after-mommy-hood/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why Financial Planning Ain&#8217;t Just For The Rich</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 20:53:38 +0000</pubDate>
		<dc:creator>Eric D. Grant</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69340</guid>
		<description><![CDATA[Let’s say you’re a first year school teacher, with a Masters degree, and you're making about $45,000 a year. Yes, you need financial planning—and in all likelihood, a professional financial planner to help. How about the second-year city bus driver with no degree? Does he need help too? What about the union machinist? I’ve offered professional advice to these types of average, middle class clients for 24 years. Yes, everyone should do financial planning, and probably hire a financial planner. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>From Tiger to Elephants, Lizards And Frogs</title>
		<link>http://www.blackenterprise.com/careers/2010/03/15/from-tiger-to-elephants-lizards-and-frogs/</link>
		<comments>http://www.blackenterprise.com/careers/2010/03/15/from-tiger-to-elephants-lizards-and-frogs/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 18:50:23 +0000</pubDate>
		<dc:creator>Marshawn Evans</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Careers]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Small Business Exclusives]]></category>
		<category><![CDATA[Accenture]]></category>
		<category><![CDATA[brand messaging]]></category>
		<category><![CDATA[branding]]></category>
		<category><![CDATA[crisis management]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[personal brand]]></category>
		<category><![CDATA[rebranding]]></category>
		<category><![CDATA[Tiger Woods]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69247</guid>
		<description><![CDATA[Accenture may have gotten lost in the “woods,” but they somehow ended up in the wild.  In their new campaign, Accenture replaced their wounded Tiger with images of elephants, fish, lizards and frogs - oh my!  As I stood at the airport looking at an elephant surfing and some leaping frogs, I was taken aback.  The job of the most in-demand, iconic global athlete on the plant was outsourced.  Tiger was replaced with a cheaper, risk-adverse form of labor - all hired from the local zoo.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/careers/2010/03/15/from-tiger-to-elephants-lizards-and-frogs/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Recession Depression</title>
		<link>http://www.blackenterprise.com/lifestyle/health-wellness/2010/03/15/recession-depression/</link>
		<comments>http://www.blackenterprise.com/lifestyle/health-wellness/2010/03/15/recession-depression/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 17:55:59 +0000</pubDate>
		<dc:creator>Dr. Andrea Pennington</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Health & Wellness]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Anxiety]]></category>
		<category><![CDATA[chronic disease]]></category>
		<category><![CDATA[depression]]></category>
		<category><![CDATA[economic recession]]></category>
		<category><![CDATA[executive health]]></category>
		<category><![CDATA[holistic health]]></category>
		<category><![CDATA[preventive health]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[stress]]></category>
		<category><![CDATA[workplace anxiety]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=68522</guid>
		<description><![CDATA[The worldwide economic recession has affected African Americans in more ways than meet the eye. The stress and pressure to make ends meet, pay college tuition and plan for the future is taking a toll on our psyche. For many, the bleak economic climate has cast a cloudy shade of gray on overall mood. For some, such a dire sense of hopelessness has taken hold that entire families have been wiped out—literally.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/health-wellness/2010/03/15/recession-depression/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Food for the Journey</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 17:36:43 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69128</guid>
		<description><![CDATA[According to Napoleon, an army marches on its stomach. On our journey we need something just as basic to keep ourselves nourished. We need a budget. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Navigating the Abyss of Airline Customer Service</title>
		<link>http://www.blackenterprise.com/lifestyle/travel/2010/03/12/navigating-the-abyss-of-airline-customer-service/</link>
		<comments>http://www.blackenterprise.com/lifestyle/travel/2010/03/12/navigating-the-abyss-of-airline-customer-service/#comments</comments>
		<pubDate>Fri, 12 Mar 2010 20:24:40 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[air travel]]></category>
		<category><![CDATA[airline]]></category>
		<category><![CDATA[customer service]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=68255</guid>
		<description><![CDATA[I flew the friendly skies for my honeymoon last month. The honeymoon was great but my flight experience was a nightmare. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/travel/2010/03/12/navigating-the-abyss-of-airline-customer-service/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Bank of America Ends Overdraft Fees</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 23:53:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[Bank of America Corp.]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[personal banking]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=67907</guid>
		<description><![CDATA[Bank of America customers say sayonara to overdraft fees.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>PR Guru Re-Invents With a Purpose</title>
		<link>http://www.blackenterprise.com/lifestyle/2010/03/11/pr-guru-re-invents-with-a-purpose/</link>
		<comments>http://www.blackenterprise.com/lifestyle/2010/03/11/pr-guru-re-invents-with-a-purpose/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 22:37:12 +0000</pubDate>
		<dc:creator>Karen Taylor Bass</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Health & Wellness]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[branding]]></category>
		<category><![CDATA[depression]]></category>
		<category><![CDATA[mental health]]></category>
		<category><![CDATA[Mental Illness]]></category>
		<category><![CDATA[re-invention]]></category>
		<category><![CDATA[Stay Strong Foundation]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=67897</guid>
		<description><![CDATA[Somewhere along the way, we got a memo saying that we had to be fabulous–all the time. How is this possible? How many of us are pretending to be a superwoman when we are a super wreck? It’s time to re-invent.
Re-invention is the process of being honest about what’s compromising your spirit and preventing you [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/2010/03/11/pr-guru-re-invents-with-a-purpose/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>How Do I Make Money Now?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/05/how-do-i-make-money-now/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/05/how-do-i-make-money-now/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 02:23:08 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investment options]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=65757</guid>
		<description><![CDATA[Sooner or later there comes a time on every journey, real or virtual when someone says, “Are we there yet?” Or in this case, “Learning more about what makes me tick and setting goals is all well and good, but how do I make money now?” ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/05/how-do-i-make-money-now/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>Cutting Edge: Check Yourself with Self-Checkout</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/04/cutting-edge-check-yourself-with-self-checkout/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/04/cutting-edge-check-yourself-with-self-checkout/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 19:27:51 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[cutting expenses]]></category>
		<category><![CDATA[grocery savings]]></category>
		<category><![CDATA[money-saving ideas]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[self-checkout]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=65422</guid>
		<description><![CDATA[When it comes to budgeting your dollars, paying attention to every detail—from the coupons you use to the on-sale items you purchase—is crucial.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/04/cutting-edge-check-yourself-with-self-checkout/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Homebuyer’s Toolkit: Do it Yourself!</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/03/02/the-homebuyer%e2%80%99s-toolkit-do-it-yourself/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/03/02/the-homebuyer%e2%80%99s-toolkit-do-it-yourself/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 00:06:09 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[fixer-upper]]></category>
		<category><![CDATA[Home improvements]]></category>
		<category><![CDATA[home renovations]]></category>
		<category><![CDATA[home repairs]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60420</guid>
		<description><![CDATA[From time to time, you may have to make interior improvements to your home such as add a new fixture, paint, or patch up a hole. How much of it can you do on your own? Roll up your sleeves and take notes.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/03/02/the-homebuyer%e2%80%99s-toolkit-do-it-yourself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Misfired Desire</title>
		<link>http://www.blackenterprise.com/careers/2010/03/02/misfired-desire/</link>
		<comments>http://www.blackenterprise.com/careers/2010/03/02/misfired-desire/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 19:58:26 +0000</pubDate>
		<dc:creator>Marshawn Evans</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Careers]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[career advice]]></category>
		<category><![CDATA[career setbacks]]></category>
		<category><![CDATA[career strategies]]></category>
		<category><![CDATA[Desirée Rogers]]></category>
		<category><![CDATA[Julianna Smoot]]></category>
		<category><![CDATA[personal branding]]></category>
		<category><![CDATA[professional advice]]></category>
		<category><![CDATA[White House Social Secretary]]></category>
		<category><![CDATA[White House state dinner]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=64546</guid>
		<description><![CDATA[Let’s face it.  An early “departure” from a coveted position in the White House is a re-branded way of saying you were fired—plain and simple. It broke my heart to see a brilliant, beautiful black woman “fired” in such a way for making a mistake—a dangerous mistake—but a mistake nonetheless. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/careers/2010/03/02/misfired-desire/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>No Business Without Technology</title>
		<link>http://www.blackenterprise.com/magazine/2010/03/01/no-business-without-technology/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/03/01/no-business-without-technology/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 20:28:37 +0000</pubDate>
		<dc:creator>Earl G. Graves, Sr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Publisher's Page]]></category>
		<category><![CDATA[Start-Up]]></category>
		<category><![CDATA[aspiring entrepreneurs]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[interactive media]]></category>
		<category><![CDATA[magazine startups]]></category>
		<category><![CDATA[start-up ideas]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Website]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=54896</guid>
		<description><![CDATA[I received an e-mail recently from a pair of intrepid college graduates seeking my advice as they start a magazine. They laid out their idea with great enthusiasm, slathering on lots of personal compliments for good measure (works every time).]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/03/01/no-business-without-technology/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Is Your Money Working For You?</title>
		<link>http://www.blackenterprise.com/blogs/2010/03/01/is-your-money-working-for-you/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/03/01/is-your-money-working-for-you/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 14:00:15 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=62396</guid>
		<description><![CDATA[So often, we live in the day-to-day, allowing the demands of the present to swallow up our time and our money, and we don’t make time to set goals and prioritize where we want our money to go.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/03/01/is-your-money-working-for-you/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Positioning Yourself for an Opportunity</title>
		<link>http://www.blackenterprise.com/entrepreneurs/2010/02/25/positioning-yourself-for-an-opportunity/</link>
		<comments>http://www.blackenterprise.com/entrepreneurs/2010/02/25/positioning-yourself-for-an-opportunity/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 19:43:48 +0000</pubDate>
		<dc:creator>Karen Taylor Bass</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Start-Up]]></category>
		<category><![CDATA[branding]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[networking]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[start-ups]]></category>
		<category><![CDATA[success strategies]]></category>
		<category><![CDATA[success tips]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=62435</guid>
		<description><![CDATA[With high unemployment, now is the time to position yourself as an authority in your field, commit to doing something different, and offer your talent/services to businesses.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/entrepreneurs/2010/02/25/positioning-yourself-for-an-opportunity/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>BE Next is Now</title>
		<link>http://www.blackenterprise.com/lifestyle/2010/02/24/be-next-is-now/</link>
		<comments>http://www.blackenterprise.com/lifestyle/2010/02/24/be-next-is-now/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 23:57:28 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Entreprenuers]]></category>
		<category><![CDATA[Franchise]]></category>
		<category><![CDATA[future leaders]]></category>
		<category><![CDATA[swagger]]></category>
		<category><![CDATA[young achievers]]></category>
		<category><![CDATA[young executives]]></category>
		<category><![CDATA[young leaders]]></category>
		<category><![CDATA[young professionals]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=62209</guid>
		<description><![CDATA[Black Enterprise held the BE Next kick-off reception, Tuesday, in New York City to celebrate its latest endeavor in spotlighting young entrepreneurs and corporate executives.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/2010/02/24/be-next-is-now/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>It’s All About You … and Money</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/22/it%e2%80%99s-all-about-you%e2%80%a6and-money/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/22/it%e2%80%99s-all-about-you%e2%80%a6and-money/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 20:55:47 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Certified financial planner]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[money autobiography]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=61143</guid>
		<description><![CDATA[Welcome to the Women &#038; Money Blog! Join personal financial expert Patricia Stallworth each week as we build a road to financial independence and control. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/22/it%e2%80%99s-all-about-you%e2%80%a6and-money/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Is Your Brand Bold, Beautiful, &amp; Determined?</title>
		<link>http://www.blackenterprise.com/entrepreneurs/start-up/2010/02/19/is-your-brand-bold-beautiful-determined/</link>
		<comments>http://www.blackenterprise.com/entrepreneurs/start-up/2010/02/19/is-your-brand-bold-beautiful-determined/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 21:29:36 +0000</pubDate>
		<dc:creator>Karen Taylor Bass</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Start-Up]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[branding]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[inspiration]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[Mo’Nique]]></category>
		<category><![CDATA[Precious]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60309</guid>
		<description><![CDATA[How do you create the perfect brand - in life and in business? Branding is simply a consistent feeling, image, and experience desired from a product conveyed to the general public. Basically, you - the entrepreneur - are the brand. The minute someone interfaces with you, they are deciding if they should do business with your brand based on their perception of you.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/entrepreneurs/start-up/2010/02/19/is-your-brand-bold-beautiful-determined/feed/</wfw:commentRss>
		<slash:comments>24</slash:comments>
		</item>
		<item>
		<title>My Turn to Take the Stage</title>
		<link>http://www.blackenterprise.com/blogs/2010/02/18/my-turn-to-take-the-stage/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/02/18/my-turn-to-take-the-stage/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 17:23:22 +0000</pubDate>
		<dc:creator>Chana Garcia</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[cancer]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[healthcare reform]]></category>
		<category><![CDATA[Lisa Nichols]]></category>
		<category><![CDATA[Women of Power Summit]]></category>
		<category><![CDATA[women's health]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=59912</guid>
		<description><![CDATA[At the Women of Power Summit, moderator Chana Garcia loved all the bold-faced names in attendance, but found herself most inspired by the other attendees. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/02/18/my-turn-to-take-the-stage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Cutting Edge: Uncle Sam Gives Back to Students</title>
		<link>http://www.blackenterprise.com/wealth-for-life/taxes/2010/02/17/uncle-sam-gives-back-to-students/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/taxes/2010/02/17/uncle-sam-gives-back-to-students/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 21:24:39 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[education funding]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[tax credits]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=59564</guid>
		<description><![CDATA[Looks like Uncle Sam has a little treat for cash-strapped college students.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/taxes/2010/02/17/uncle-sam-gives-back-to-students/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do Historic Events Add Up To a Resurgence for NOLA?</title>
		<link>http://www.blackenterprise.com/blogs/2010/02/17/do-historic-events-add-up-to-a-resurgence-for-nola/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/02/17/do-historic-events-add-up-to-a-resurgence-for-nola/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 19:47:22 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Hurricane Katrina]]></category>
		<category><![CDATA[Lombardi Gras]]></category>
		<category><![CDATA[Mardi Gras]]></category>
		<category><![CDATA[Mayor Ray Nagin]]></category>
		<category><![CDATA[Mitch Landrieu]]></category>
		<category><![CDATA[New Orleans]]></category>
		<category><![CDATA[New Orleans Saints]]></category>
		<category><![CDATA[Super Bowl]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=59168</guid>
		<description><![CDATA[Yesterday, I attended my first ever Mardi Gras celebration in New Orleans. It was an ideal time to check the pulse of a city still recovering, both in terms of buildings and infrastructure and its psyche, from the devastation of Hurricane Katrina nearly five years ago.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/02/17/do-historic-events-add-up-to-a-resurgence-for-nola/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Blueprint for Success</title>
		<link>http://www.blackenterprise.com/entrepreneurs/2010/02/16/blueprint-for-success/</link>
		<comments>http://www.blackenterprise.com/entrepreneurs/2010/02/16/blueprint-for-success/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 23:46:10 +0000</pubDate>
		<dc:creator>Karen Taylor Bass</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Beverly Kearney]]></category>
		<category><![CDATA[career coach]]></category>
		<category><![CDATA[entrepreneur]]></category>
		<category><![CDATA[faith]]></category>
		<category><![CDATA[Mentors]]></category>
		<category><![CDATA[mentorship]]></category>
		<category><![CDATA[success strategies]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=59228</guid>
		<description><![CDATA[This year is a chance to be better, smarter, prouder, stronger, and take no mess.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/entrepreneurs/2010/02/16/blueprint-for-success/feed/</wfw:commentRss>
		<slash:comments>28</slash:comments>
		</item>
		<item>
		<title>&#8216;Yes! Yes!&#8217; Live Blogging Lisa Nichols at the Summit</title>
		<link>http://www.blackenterprise.com/blogs/2010/02/12/yes-yes-live-blogging-lisa-nichols/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/02/12/yes-yes-live-blogging-lisa-nichols/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 16:33:47 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[inspiration]]></category>
		<category><![CDATA[Lisa Nichols]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[self-help]]></category>
		<category><![CDATA[Women of Power Summit]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=58192</guid>
		<description><![CDATA[Motivational Speaker Lisa Nichols: "I'm having my strongest financial year because I decided not to check yes to the Evite to the recession."]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/02/12/yes-yes-live-blogging-lisa-nichols/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Cutting Edge: Standardized v. Itemized Deductions</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/11/the-cutting-edge-standardized-v-itemized-deductions/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/11/the-cutting-edge-standardized-v-itemized-deductions/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 13:05:46 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[itemized deduction]]></category>
		<category><![CDATA[standard deduction]]></category>
		<category><![CDATA[tax returns]]></category>
		<category><![CDATA[taxable income]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=57590</guid>
		<description><![CDATA[I got to tweeting with a friend about filing tax returns. Specifically, we were discussing the difference between standardized and itemized deductions and which would work best for us.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/11/the-cutting-edge-standardized-v-itemized-deductions/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Who Is Your Woman of Power?</title>
		<link>http://www.blackenterprise.com/blogs/2010/02/10/who-is-your-woman-of-power/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/02/10/who-is-your-woman-of-power/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 23:14:12 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[immigrant]]></category>
		<category><![CDATA[mentor]]></category>
		<category><![CDATA[mentorship]]></category>
		<category><![CDATA[role model]]></category>
		<category><![CDATA[Role Models]]></category>
		<category><![CDATA[Women of Power]]></category>
		<category><![CDATA[Women of Power Summit]]></category>
		<category><![CDATA[working mother]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=57490</guid>
		<description><![CDATA[As I sit on the Greyhound on my way to Palm Springs for the Women of Power Summit, I can't help but think about the powerful woman who helped me get where I am today. Enid Francita Jackson, my mother.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/02/10/who-is-your-woman-of-power/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>How To Get Into Black Enterprise: Pitch The Right Editor</title>
		<link>http://www.blackenterprise.com/blogs/2010/02/09/how-to-get-into-black-enterprise-pitch-the-right-editor/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/02/09/how-to-get-into-black-enterprise-pitch-the-right-editor/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 23:33:23 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[media coverage]]></category>
		<category><![CDATA[media relations]]></category>
		<category><![CDATA[pitching stories]]></category>
		<category><![CDATA[publicity]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[story ideas]]></category>
		<category><![CDATA[what editors want]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=57124</guid>
		<description><![CDATA[When it's time to pitch yourself or your business to Black Enterprise for a possible story, who do you send your information to? Let me start by telling you who you shouldn't send it to:]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/02/09/how-to-get-into-black-enterprise-pitch-the-right-editor/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>The Homebuyer’s Toolkit: Choosing the Right Neighborhood</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/02/08/the-homebuyer%e2%80%99s-toolkit-choosing-the-right-neighborhood/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/02/08/the-homebuyer%e2%80%99s-toolkit-choosing-the-right-neighborhood/#comments</comments>
		<pubDate>Mon, 08 Feb 2010 14:45:31 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[first-time homebuyer]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate investment]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=55694</guid>
		<description><![CDATA[Found the perfect house? Make sure the environment is equally ideal. There's nothing to be gained by finding the right house if it is in the wrong neighborhood.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/02/08/the-homebuyer%e2%80%99s-toolkit-choosing-the-right-neighborhood/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<item>
		<title>The Cutting Edge: Why The IRS Might Pick On You</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/04/the-cutting-edge-why-the-irs-might-pick-on-you/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/04/the-cutting-edge-why-the-irs-might-pick-on-you/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 14:39:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[tax audit]]></category>
		<category><![CDATA[tax returns]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=55240</guid>
		<description><![CDATA[Ever wonder how the IRS chooses to audit someone? Well, wonder no more.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/04/the-cutting-edge-why-the-irs-might-pick-on-you/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Mission to Beijing: From Dialogue To Partnership</title>
		<link>http://www.blackenterprise.com/business/2010/02/03/mission-to-beijing-from-dialogue-to-partnership/</link>
		<comments>http://www.blackenterprise.com/business/2010/02/03/mission-to-beijing-from-dialogue-to-partnership/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 23:44:37 +0000</pubDate>
		<dc:creator>Marc H. Morial</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Business News]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[Confucius Institute]]></category>
		<category><![CDATA[foreign trade]]></category>
		<category><![CDATA[Global Business]]></category>
		<category><![CDATA[international trade]]></category>
		<category><![CDATA[Marc H. Morial]]></category>
		<category><![CDATA[National Urban League]]></category>
		<category><![CDATA[student exchange programs]]></category>
		<category><![CDATA[trade missions]]></category>
		<category><![CDATA[U.S.-China relations]]></category>
		<category><![CDATA[Xavier University]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=55258</guid>
		<description><![CDATA[More than 40 of black America’s best and brightest joined the National Urban League on a global mission to plant the seed for what we hope will become a long-term, fruitful relationship with China and African-American communities and businesses. We came away from a meeting with the Department of International Cooperation and Exchange Deputy Director Shen Yang celebrating two significant commitments from the Chinese.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/business/2010/02/03/mission-to-beijing-from-dialogue-to-partnership/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Mission to Beijing: Seeking Equal Opportunity in China</title>
		<link>http://www.blackenterprise.com/business/2010/02/02/mission-to-beijing-seeking-equal-opportunity-in-china/</link>
		<comments>http://www.blackenterprise.com/business/2010/02/02/mission-to-beijing-seeking-equal-opportunity-in-china/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 20:27:42 +0000</pubDate>
		<dc:creator>Marc H. Morial</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[China]]></category>
		<category><![CDATA[foreign trade]]></category>
		<category><![CDATA[Global Business]]></category>
		<category><![CDATA[international trade]]></category>
		<category><![CDATA[Marc Morial]]></category>
		<category><![CDATA[National Urban League]]></category>
		<category><![CDATA[trade missions]]></category>
		<category><![CDATA[U.S.-China relations]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=54851</guid>
		<description><![CDATA[The National Urban League's 40 plus member delegation has embarked on a historic cultural and trade mission to China to begin a dialogue of mutual interests and potential opportunities to bring Chinese investment to African-American communities. NUL CEO Marc Morial provides an exclusive inside look to BlackEnterprise.com.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/business/2010/02/02/mission-to-beijing-seeking-equal-opportunity-in-china/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>A Life Raft for Student Loan Borrowers</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 08:29:09 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=52965</guid>
		<description><![CDATA[If you’re experiencing financial difficulty, student loan payments can feel like a weight on your chest. Thankfully, there might be help on the way.  In response to the squeeze the ailing economy has put on the middle class, President Obama announced initiatives to help alleviate the pain. The Task Force on the Middle Class, appointed by President Obama when he first took office, came up with several recommendations. In addition to proposals to assist families with rising child care costs and help those caring for elderly relatives, is a change that could help borrowers coping with crippling student loan debt.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Play Games with Your Money</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/01/29/play-games-with-your-money/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/01/29/play-games-with-your-money/#comments</comments>
		<pubDate>Fri, 29 Jan 2010 22:50:07 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[stock market games]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=53790</guid>
		<description><![CDATA[If you’ve always wanted to start investing but have always been afraid of losing money, get over it.  It’s time to jump in there and make your money work for you. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/01/29/play-games-with-your-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Inquiries—Hard Pulls vs. Soft Pulls</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/#comments</comments>
		<pubDate>Fri, 29 Jan 2010 17:43:22 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=53808</guid>
		<description><![CDATA[Learn how certain types of inquiries on your credit report can impact your credit standing.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Move Your Money</title>
		<link>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/01/28/move-your-money/</link>
		<comments>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/01/28/move-your-money/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 15:58:41 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[credit unions]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[Move Your Money Campaign]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=53380</guid>
		<description><![CDATA[Can you be part of the campaign to move your accounts from large banks to community banks and credit unions?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/01/28/move-your-money/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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		<item>
		<title>Can This Woman Get You A Job?</title>
		<link>http://www.blackenterprise.com/politics/politics-news/2010/01/27/can-this-woman-get-you-a-job/</link>
		<comments>http://www.blackenterprise.com/politics/politics-news/2010/01/27/can-this-woman-get-you-a-job/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 02:12:10 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Politics News]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[economic stimulus]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[job creation]]></category>
		<category><![CDATA[Obama administration]]></category>
		<category><![CDATA[State of the Union Address]]></category>
		<category><![CDATA[U.S. Dept. of Labor]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=53245</guid>
		<description><![CDATA[It's about an hour before President Barack Obama delivers his first State of the Union Address. I'm sitting in my room at the Liaison Hotel in Washington, D.C., having just left a VIP reception for 20/20 Vision, a landmark economic forum presented by Black Enterprise and hosted by WalMart. The highlight of the reception was [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/politics/politics-news/2010/01/27/can-this-woman-get-you-a-job/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What to Know Before You Donate to Haitian Relief</title>
		<link>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/01/21/what-you-need-to-know-before-donating/</link>
		<comments>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/01/21/what-you-need-to-know-before-donating/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 23:49:14 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[charitable giving]]></category>
		<category><![CDATA[Haiti]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=50021</guid>
		<description><![CDATA[Before you give to any organizations, here are a couple of tips to help you maximize your donation and make sure your money is going to the right place.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/01/21/what-you-need-to-know-before-donating/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>One Year Into The Obama Era: A Reader’s Thoughts</title>
		<link>http://www.blackenterprise.com/blogs/2010/01/21/one-year-into-the-obama-era-a-reader%e2%80%99s-thoughts/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/01/21/one-year-into-the-obama-era-a-reader%e2%80%99s-thoughts/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 22:06:48 +0000</pubDate>
		<dc:creator>Robert E.  Dorsey Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Politics Blogs]]></category>
		<category><![CDATA[president barack obama]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49771</guid>
		<description><![CDATA[My fellow Americans, those of us who voted for the President Barack Obama need to stand up, get together and push back.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/01/21/one-year-into-the-obama-era-a-reader%e2%80%99s-thoughts/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Homebuyer&#8217;s Toolkit: Title Insurance</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/19/the-homebuyers-toolkit-title-insurance/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/19/the-homebuyers-toolkit-title-insurance/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 20:47:41 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49717</guid>
		<description><![CDATA[Buying a home entails much more than I anticipated. Just when I thought I had learned all there was about the costs involved with becoming a homeowner, here comes another expense called title insurance.   Before you purchase a home, it may have gone through several ownership changes, title changes, or problems, such as [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/19/the-homebuyers-toolkit-title-insurance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Auto Financing or Bust</title>
		<link>http://www.blackenterprise.com/blogs/2010/01/15/auto-financing-or-bust/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/01/15/auto-financing-or-bust/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 15:14:18 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[auto financing]]></category>
		<category><![CDATA[auto investments]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49557</guid>
		<description><![CDATA[After months of sputtering hither and to, days spent in the shop, and that noxious odor emanating from the vents, Old Reliable has finally kicked the bucket. If you need a car but have less than perfect credit or have already been rejected for financing from the auto manufacturer, there is some action you can take.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/01/15/auto-financing-or-bust/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gaining Concensus on &#8216;Green Jobs&#8217;</title>
		<link>http://www.blackenterprise.com/blogs/2010/01/13/gaining-concensus-on-green-jobs/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/01/13/gaining-concensus-on-green-jobs/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 17:25:50 +0000</pubDate>
		<dc:creator>Andre Williams</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[EnerGreen Capital Management]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[Georgia Power]]></category>
		<category><![CDATA[Green]]></category>
		<category><![CDATA[Progress Energy Carolinas]]></category>
		<category><![CDATA[Shell WindEnergy]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49482</guid>
		<description><![CDATA[During the Black Enterprise "Conversation on Energy" forum, panelists discussed strategies for creating and getting green jobs. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/01/13/gaining-concensus-on-green-jobs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting the Green Conversation Started</title>
		<link>http://www.blackenterprise.com/blogs/2010/01/12/getting-the-green-conversation-started/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/01/12/getting-the-green-conversation-started/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 00:21:01 +0000</pubDate>
		<dc:creator>Andre Williams</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[Environment]]></category>
		<category><![CDATA[Green]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49470</guid>
		<description><![CDATA[Black Enterprise gathered top-level executives from businesses and organizations within the energy industry in Washington Tuesday to discuss how African Americans can participate in the green energy economy. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/01/12/getting-the-green-conversation-started/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>The Homebuyer’s Toolkit: Condo or Co-Op?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/11/the-homebuyer%e2%80%99s-toolkit-condo-or-co-op/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/11/the-homebuyer%e2%80%99s-toolkit-condo-or-co-op/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 19:45:34 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[Housing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49381</guid>
		<description><![CDATA[If shoveling snow, mowing the lawn, and general maintenance is not up your alley then purchasing a condo or a cooperative (co-op) might be a better option for you. They may appear to be one in the same, but there are some striking differences that you should make yourself aware of before you make your [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/11/the-homebuyer%e2%80%99s-toolkit-condo-or-co-op/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>BE Next: Making the January 2010 Cover</title>
		<link>http://www.blackenterprise.com/blogs/2010/01/06/be-next-making-the-january-2010-cover-2/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/01/06/be-next-making-the-january-2010-cover-2/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 23:08:37 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[BE Next]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[young business leaders]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49008</guid>
		<description><![CDATA[Behind the scenes at a BE Next cover shoot.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/01/06/be-next-making-the-january-2010-cover-2/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Help! My Dad Has a Credit Card in My Name</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 21:02:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit fraud]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=48980</guid>
		<description><![CDATA[When “Jonathan” was 14-years-old, his Dad opened a few credit cards and acquired a few utilities in his name—unbeknownst to him. Fast-forward four years and Jon, now with enough money saved for a down payment on a vehicle, is denied financing from a used car dealership. Frustrated but not discouraged he tries another—rejected again. Annoyed but still not discouraged he tries another—rejected a third time. But this time Jon asked why. The car salesman explained to Jon that he pulled his 25-page credit report and found that his credit was terrible. You see, Dad never paid any of the bills he racked up in Jon’s name and now lawyers, bill collectors, and a sheriff with a warrant are coming after Jon—while Dad cannot be found.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<item>
		<title>Tiger Woods: Golfer or Inmate?</title>
		<link>http://www.blackenterprise.com/blogs/2010/01/06/tigers-wood-golfer-or-inmate/</link>
		<comments>http://www.blackenterprise.com/blogs/2010/01/06/tigers-wood-golfer-or-inmate/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 13:56:43 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[black media images]]></category>
		<category><![CDATA[Tiger Woods]]></category>
		<category><![CDATA[Vanity Fair]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=48850</guid>
		<description><![CDATA[Was "Vanity Fair" magazine fair in its portrayal of Tiger Woods, or did the magazine go too far by portraying him as someone more comfortable in a prison yard than on a golf course?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2010/01/06/tigers-wood-golfer-or-inmate/feed/</wfw:commentRss>
		<slash:comments>21</slash:comments>
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		<title>Say Buh-Bye to Your Bank?</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/30/say-buh-buy-to-your-bank/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/30/say-buh-buy-to-your-bank/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 17:55:12 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit unions]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=47697</guid>
		<description><![CDATA[If you’re thinking about giving your bank the old heave-ho, joining a credit union may be the right move for you. Last week, credit card holders sounded off on card issuers about unfair rate hikes and slashed lines of credit. With all that’s going on in the banking industry, credit unions are looking even more attractive.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/30/say-buh-buy-to-your-bank/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Hell Hath No Fury Like a Credit Cardholder Scorned</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/23/hell-hath-no-fury-like-a-credit-card-holder-scorned/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/23/hell-hath-no-fury-like-a-credit-card-holder-scorned/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 17:50:39 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[CARD Act]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=46646</guid>
		<description><![CDATA[Oh geez, you’ll never guess who decided to take up arms and join the civil war between consumers and their credit cards currently brewing on American soil. That’s right, my mother. Mama Burns is just one of the countless Americans fed up with the shady antics of credit card companies, and she’s fighting back.
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/23/hell-hath-no-fury-like-a-credit-card-holder-scorned/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>The Homebuyers Toolkit: Renting vs. Buying</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/21/the-homebuyers-toolkit-renting-vs-buying/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/21/the-homebuyers-toolkit-renting-vs-buying/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 19:18:43 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[buy vs. rent]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[rent vs. buy]]></category>
		<category><![CDATA[security deposit]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=46313</guid>
		<description><![CDATA[In today’s market should you rent or buy? “Your decision to buy or rent depends on your financial situation and your lifestyle,” said Lynn Tollett, vice president of business and community development for HSBC bank. Although interest rates are at historic lows, homes are selling below their market value and several tax incentives are available, still buying may not be the best option for you. There are many other things to consider. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/21/the-homebuyers-toolkit-renting-vs-buying/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>We Can’t Forget the Poor in the Climate Change Debate</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/18/we-can%e2%80%99t-forget-the-poor-in-the-climate-change-debate/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/18/we-can%e2%80%99t-forget-the-poor-in-the-climate-change-debate/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 22:57:52 +0000</pubDate>
		<dc:creator>Phaedra Ellis-Lamkins</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Climate change]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[global warming]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=46184</guid>
		<description><![CDATA[As international climate talks conclude in Copenhagen, it is clear that we are on the verge of a historic moment.  Today, 130 heads of state seek to reach an agreement on clear steps forward to solve the climate crisis. The significance of this moment cannot be overstated, especially for historically disadvantaged communities.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/18/we-can%e2%80%99t-forget-the-poor-in-the-climate-change-debate/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>BE Next 2010: Blazing a Path to Success</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/18/be-next-2010-blazing-a-path-to-success/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/18/be-next-2010-blazing-a-path-to-success/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 21:03:39 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[career advancement]]></category>
		<category><![CDATA[Generation Y]]></category>
		<category><![CDATA[Innovation]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=45842</guid>
		<description><![CDATA[BlackEnterprise.com caught up with the 2010 BE Next subjects and talked about everything from their competitive advantage to how they turned their passion into profit.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/18/be-next-2010-blazing-a-path-to-success/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
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		<title>Can COP15 Be Trusted in Your Neighborhood?</title>
		<link>http://www.blackenterprise.com/being-green/2009/12/17/can-cop15-be-trusted-in-your-neighborhood/</link>
		<comments>http://www.blackenterprise.com/being-green/2009/12/17/can-cop15-be-trusted-in-your-neighborhood/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 17:25:07 +0000</pubDate>
		<dc:creator>Andre Williams</dc:creator>
				<category><![CDATA[BEing Green]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Climate change]]></category>
		<category><![CDATA[energy]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=45632</guid>
		<description><![CDATA[As crucial agreements are made in Copenhagen, we should question how these decisions will directly affect our local communities.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/being-green/2009/12/17/can-cop15-be-trusted-in-your-neighborhood/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Actions Speak Louder Than Words in the New Year</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/16/actions-speak-louder-than-words-in-the-new-year/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/16/actions-speak-louder-than-words-in-the-new-year/#comments</comments>
		<pubDate>Wed, 16 Dec 2009 19:31:22 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=45529</guid>
		<description><![CDATA[It feels good to have goals, doesn’t it? I mean, to really have something that you know--if you set your mind to it--is actually achievable. If you’re awaiting the new year like a lot of us are, you probably have a few things you’d like to accomplish during 2010 --  yep, those pesky resolutions. It’s no secret that for most of us, somewhere around February, these goals fall by the wayside and many of us slip back into old habits.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/16/actions-speak-louder-than-words-in-the-new-year/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>How to Finance a Fixer-Upper on a Modest Budget</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/15/how-to-finance-a-fixer-upper-on-a-modest-budget/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/15/how-to-finance-a-fixer-upper-on-a-modest-budget/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 23:19:43 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[home repairs]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[remodeling]]></category>
		<category><![CDATA[renovations]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=45439</guid>
		<description><![CDATA[A reader recently wrote to me asking about options for financing the purchase of a home that needs a good deal of repair work. The reader implied her and her husband would have no problem getting a mortgage, but wondered where they might find the additional financing to make repairs and renovations.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/15/how-to-finance-a-fixer-upper-on-a-modest-budget/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Reflections on the Way to the Climate Change Summit</title>
		<link>http://www.blackenterprise.com/being-green/2009/12/15/reflections-on-the-way-to-copenhagen-summit/</link>
		<comments>http://www.blackenterprise.com/being-green/2009/12/15/reflections-on-the-way-to-copenhagen-summit/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 22:20:22 +0000</pubDate>
		<dc:creator>Phaedra Ellis-Lamkins</dc:creator>
				<category><![CDATA[BEing Green]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Climate change]]></category>
		<category><![CDATA[Copenhagen conference]]></category>
		<category><![CDATA[Green For All]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=45456</guid>
		<description><![CDATA[As she heads to Copenhagen for the Climate Change Conference, Green for All's Phraedra Ellis-Lamkins discusses why she is attending the summit.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/being-green/2009/12/15/reflections-on-the-way-to-copenhagen-summit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Get Ready For Your 2010 Upgrade!</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/15/get-ready-for-your-2010-upgrade/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/15/get-ready-for-your-2010-upgrade/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 17:58:04 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[40th Anniversary]]></category>
		<category><![CDATA[BE Next]]></category>
		<category><![CDATA[black business site]]></category>
		<category><![CDATA[Black Enterprise]]></category>
		<category><![CDATA[e-newsletters]]></category>
		<category><![CDATA[registration contest]]></category>
		<category><![CDATA[web site makeover]]></category>
		<category><![CDATA[web site redesign]]></category>
		<category><![CDATA[Women of Power]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44367</guid>
		<description><![CDATA[In 2010, Black Enterprise will celebrate its 4oth anniversary as the nation's No. 1 multi-media source on entrepreneurial success, corporate achievement and wealth creation for African Americans. As the New Year kicks off, in anticipation of the publishing of the landmark 4oth Anniversary Issue of Black Enterprise magazine in August 2010, Black Enterprise will begin to unveil major improvements to existing franchises, as well as new programs and features aimed at further positioning Black Enterprise for a new generation of entrepreneurs, executives, professionals and wealth builders in the decades to come. The upgrade of BlackEnterprise.com, to be unveiled to all users for beta testing on January 1, 2010, represents the vanguard of these changes.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/15/get-ready-for-your-2010-upgrade/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>The Homebuyer&#8217;s Toolkit: How Your Credit Score Adds Up</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 16:09:24 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[TransUnion]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44649</guid>
		<description><![CDATA[Do you request your credit report every year? Admittedly, I have to say I don’t. I’ve probably accessed it twice in the past four years. But after attending this week’s homebuyer’s class sponsored by the Bedford Central Community Development Corp., I was reminded of how important it is to monitor and review my report annually.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Five Credit Repair Tips for the Recent Grad</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/09/five-credit-repair-tips-for-the-recent-grad/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/09/five-credit-repair-tips-for-the-recent-grad/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 21:04:58 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44093</guid>
		<description><![CDATA[You made it! The tassel has been moved to the other side of the cap and the diploma is in the mail. And unlike the rest of your friends who moved back home, you, mon frère, landed a job and you’ve got your eye on a sweet studio apartment. But there’s just one hitch—you can’t get the apartment because you just found out that your credit score is terrible—524 to be precise. In fact, those credit cards that came with that free t-shirt (oops! you never got around to paying any of the bills) have gone to collections. What can you—the recent graduate—do to boost your credit score? While paying bills on time is a surefire way to get your numbers up (since it counts for 35% of your credit score), here are a few tips to understanding and raising your score.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/09/five-credit-repair-tips-for-the-recent-grad/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
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		<title>The Homebuyer&#8217;s Toolkit: Building Financial Security</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 20:27:22 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[home owner]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43791</guid>
		<description><![CDATA[Over the Thanksgiving break I became addicted to a show called Till Debt Do U$ Part on HGTV. Financial wizard Gail Vaz-Oxlade helps families go from red to black by getting to the root of their destructive spending habits. Most families on the show did what it took to own a home, but quickly forgot about the money saving principles that got them there. Why work so hard to buy a home, and then dig yourself into debt? Buying a home is just the first step. Once you become a homeowner you still have to understand how to pave the way to financial security or, better yet, financial freedom. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Why I Hate The Hook-Up</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/03/why-i-hate-the-hook-up/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/03/why-i-hate-the-hook-up/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 22:19:57 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[black business]]></category>
		<category><![CDATA[black consumers]]></category>
		<category><![CDATA[buying black]]></category>
		<category><![CDATA[consumer issues]]></category>
		<category><![CDATA[economic empowerment]]></category>
		<category><![CDATA[self-determination]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43609</guid>
		<description><![CDATA[One of the biggest drags on black economic empowerment is the "hook-up": black people expecting other black people to provide them with free goods and services just because they're black. We need to stop it. Today. NOW.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/03/why-i-hate-the-hook-up/feed/</wfw:commentRss>
		<slash:comments>56</slash:comments>
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		<title>Should You Have Faith In A Good Faith Estimate?</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/03/should-you-have-faith-in-a-good-faith-estimate/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/03/should-you-have-faith-in-a-good-faith-estimate/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 19:52:19 +0000</pubDate>
		<dc:creator>Kirk Charles</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[good faith estimate]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage companies]]></category>
		<category><![CDATA[refinancing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43495</guid>
		<description><![CDATA[I was speaking with a client yesterday who was thoroughly confused by the good faith estimates he received from three different mortgage companies for his refinance.  He and his better half are dream candidates for a loan officer.  They each have great jobs, better than average credit and are highly educated.  If I was still originating mortgages I’d be salivating over them.  Anyway, I looked over the good faith estimates and admittedly I was also confused although I thoroughly understand the process. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/03/should-you-have-faith-in-a-good-faith-estimate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Things You Should Know Before Applying for an ARC Loan</title>
		<link>http://www.blackenterprise.com/blogs/2009/12/02/things-you-should-know-before-applying-for-an-arc-loan/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/12/02/things-you-should-know-before-applying-for-an-arc-loan/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 19:42:12 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[ARC Loan Program]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Small Business Administration]]></category>
		<category><![CDATA[startup]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43524</guid>
		<description><![CDATA[For struggling small business owners, there may be help with the government’s ARC Loan Program. The interest free loans are intended to aid small businesses in combating short-term hardship.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/12/02/things-you-should-know-before-applying-for-an-arc-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>What&#8217;s A Short Sale In The Long Run?</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/30/whats-a-short-sale-in-the-long-run/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/30/whats-a-short-sale-in-the-long-run/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 19:18:07 +0000</pubDate>
		<dc:creator>Kirk Charles</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43367</guid>
		<description><![CDATA[Yesterday afternoon I was in an attorney's office and a gentleman came in for a real estate consultation. Unfortunately he fell way behind on his mortgage and he had to face the fact that a short sale was his only option. He then asked me, "How will the short sale affect me when I try to buy another home?" Well, it ain't pretty, so let's see what we can do.
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/30/whats-a-short-sale-in-the-long-run/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Free and Low-Cost Resources to Help College Students Stay Afloat</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/25/free-and-low-cost-resources-to-help-college-students-stay-afloat/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/25/free-and-low-cost-resources-to-help-college-students-stay-afloat/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 18:06:44 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43333</guid>
		<description><![CDATA[There’s no question that college is one of the most memorable experiences in the transition from teen to adult. It can also be one of the most costly with $200 books, incidentals, and accidentals -- $115 parking ticket, $10 to replace your student ID, $15 for the on-campus comedy show (because after that week of tests and projects you need a reprieve.) Though the costs keep rising, there are a number of free and low-cost resources that can help college students keep a balanced budget.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/25/free-and-low-cost-resources-to-help-college-students-stay-afloat/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>An Action Plan for Black Friday</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/24/an-action-plan-for-black-friday/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/24/an-action-plan-for-black-friday/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 23:27:21 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[bargains]]></category>
		<category><![CDATA[Black Friday]]></category>
		<category><![CDATA[consumer spending]]></category>
		<category><![CDATA[holiday spending]]></category>
		<category><![CDATA[retailers]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[Thanksgiving]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43311</guid>
		<description><![CDATA[While the holiday shopping season is in full swing, the “official” kick off is nigh: Nov. 27 to be exact, a.k.a. Black Friday. But with the economy in a slump and unemployment at record numbers, how do we shop smarter for the holidays—if we’re even shopping at all?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/24/an-action-plan-for-black-friday/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The FDIC’s &#8216;Red&#8217; Menace</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/24/the-fdic%e2%80%99s-%e2%80%9cred%e2%80%9d-menace/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/24/the-fdic%e2%80%99s-%e2%80%9cred%e2%80%9d-menace/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 22:41:20 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[bank deposits]]></category>
		<category><![CDATA[bank failures]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[government insurance]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43327</guid>
		<description><![CDATA[A few hours ago, news came across the transom that the government insurance fund that protects consumer bank deposits “slipped into the red,” after some 50 banks collapsed between July and the end of September this year. Such headlines are more than a little disturbing for the average bank account-holder. We all know by now that the Federal Deposit Insurance Corporation (FDIC) is the government entity that guarantees the safety of the money we’ve deposited into its member banks.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/24/the-fdic%e2%80%99s-%e2%80%9cred%e2%80%9d-menace/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The Homebuyers Toolkit: Money Attitudes and Budgeting</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 22:58:00 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43188</guid>
		<description><![CDATA[Last weekend I attended The Money Conference for Women in Hartford, CT. A 26-year-old woman stood up and shared how she is more than $60,000 in debt as a result of student loans and credit cards. She makes about $40,000 a year working for a non-profit and one of her immediate goals was to purchase a home. The keynote speaker, Michelle Singletary, a nationally syndicated columnist, told her to pump her breaks and focus on paying off her debt first. Her story is all too familiar. A lot of people want to take on more debt before addressing their current issues.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Check Yourself Before You Wreck Yourself</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/18/check-yourself-before-you-wreck-yourself/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/18/check-yourself-before-you-wreck-yourself/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 22:11:47 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Black Friday]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Consumers]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[holiday spending]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43092</guid>
		<description><![CDATA[Once again, it's the time of year when pressure on consumers to do their part to boost the engine of our economy begins to build. The "official" start of the holiday shopping season, November 27 (also known as Black Friday—so named because the spending beginning that weekend is expected to bring retailers from being in the red to being in the black, i.e., into profitability for the year), is just over a week away.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/18/check-yourself-before-you-wreck-yourself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Slash Your College Prep Expenses</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/18/slash-your-college-prep-expenses/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/18/slash-your-college-prep-expenses/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 20:07:58 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[SAT]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43049</guid>
		<description><![CDATA[Your college prep budget doesn’t have to break the bank. Check out these quick tips to defray costs.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/18/slash-your-college-prep-expenses/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>ARMed And Dangerous? Don&#8217;t File For Bankruptcy</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/18/armed-and-dangerous-dont-file-for-bankruptcy/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/18/armed-and-dangerous-dont-file-for-bankruptcy/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 17:14:20 +0000</pubDate>
		<dc:creator>Kirk Charles</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[adjustable-rate mortgage]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[refinancing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43026</guid>
		<description><![CDATA[Just got a phone call from a couple thinking of filing Chapter 13 bankruptcy.  However, their adjustable rate mortgage is about to adjust—most likely upward—within the next five to six months.  They want to know how the Chapter 13 filing will affect their opportunity to refinance? In short, it's going to be ugly.  It's always best to avoid filing bankruptcy, especially if you need to refinance any time soon.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/18/armed-and-dangerous-dont-file-for-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>The Homebuyers Toolkit: Let&#8217;s Talk Money</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 00:16:16 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[grants]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[individual development account]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42935</guid>
		<description><![CDATA[The biggest hurdle to homeownership for some is the down payment and closing costs. These two expenses often deter low and moderate income individuals/families from even thinking about living the American Dream. Many people pass up the opportunity to own their own home because they’re unaware of the thousands of dollars in grant money available to assist with these expenses. The money is out there, but you need to know where to look. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Tech Guru Helps You Choose Right Phone For Your Lifestyle</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/11/tech-guru-helps-you-choose-right-phone-for-your-lifestyle/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/11/tech-guru-helps-you-choose-right-phone-for-your-lifestyle/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 22:42:22 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[BlackBerry]]></category>
		<category><![CDATA[iPhone]]></category>
		<category><![CDATA[smartphones]]></category>
		<category><![CDATA[Technology]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42854</guid>
		<description><![CDATA[When thinking about a new phone, consider “the network coverage in your area, what unique needs do you have when customizing your phone, and think about your budget,” says Wasow. Make sure the phone and its price plan are affordable. The last thing you want is be stuck with excess hidden and not-so-hidden charges.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/11/tech-guru-helps-you-choose-right-phone-for-your-lifestyle/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>The Homebuyers Toolkit: Key Players</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 23:18:41 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home inspector]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[real state attorney]]></category>
		<category><![CDATA[realtor]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42673</guid>
		<description><![CDATA[Buying a home is a personal decision, but the process is not so private. Generally, you’ll work with about ten people. These include the seller, attorney, real estate agent/broker, home inspector, insurance agent, surveyor, appraiser, mortgage lender, title insurance officer, and an escrow officer. The attorney, real estate agent/broker, and the home inspector are the key players.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>Congress Expands Homeowner Tax Breaks</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/06/congress-expands-homeowner-tax-breaks/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/06/congress-expands-homeowner-tax-breaks/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 18:51:31 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42608</guid>
		<description><![CDATA[If you were rushing to close on a house before the end of the year, slow down. Congress voted to extend the $8,000 first-time homebuyer tax credit, Thursday.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/06/congress-expands-homeowner-tax-breaks/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>6 Things You Can Do To Stop Diabetes</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/05/6-things-you-can-do-to-stop-diabetes/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/05/6-things-you-can-do-to-stop-diabetes/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 21:41:20 +0000</pubDate>
		<dc:creator>Vanessa Jones Briscoe</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[American Diabetes Association]]></category>
		<category><![CDATA[Black Health]]></category>
		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[health care]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42456</guid>
		<description><![CDATA[Through the American Diabetes Association I have been able to reach thousands of individuals with information to equip them to better understand and take control of their diabetes. The American Diabetes Association estimates that nearly 24 million children and adults in the United States have diabetes, and an additional 57 million Americans are at risk for developing the disease. 
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/05/6-things-you-can-do-to-stop-diabetes/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Is Your Job Search Tax Deductible?</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/04/is-your-job-search-tax-deductible/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/04/is-your-job-search-tax-deductible/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 21:03:41 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42482</guid>
		<description><![CDATA[Just the thought of searching for a job can be exhausting. With all these necessary items and “things to do,” organizing a job search can be stressful, and this doesn’t even include the cost of the hunt. Fortunately, you can ease the financial burden when you file your 2009 taxes. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/04/is-your-job-search-tax-deductible/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>One Year Later: Why My First Vote Won&#8217;t Be My Last</title>
		<link>http://www.blackenterprise.com/blogs/2009/11/03/one-year-later-why-my-first-vote-wont-be-my-last/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/11/03/one-year-later-why-my-first-vote-wont-be-my-last/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 22:01:52 +0000</pubDate>
		<dc:creator>Christine L. Edmond</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[2008 elections]]></category>
		<category><![CDATA[Al Gore]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[Election 2008]]></category>
		<category><![CDATA[first-time voters]]></category>
		<category><![CDATA[George W. Bush]]></category>
		<category><![CDATA[new voters]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42376</guid>
		<description><![CDATA[In 2000, I had my first taste of the democratic voting process. I was in the 6th grade and we were learning about how the voting process works by watching and reporting the presidential race between Al Gore and George W. Bush. We did lots of research on their platforms, policies and backgrounds. It was so exciting to see the process in action. By unanimous vote, Al Gore was my class' pick for president. In our eyes,he couldn't lose; logic and fairy-tale endings were on his side. Boy, were we in for a rude awakening from our dream of American democracy.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/11/03/one-year-later-why-my-first-vote-wont-be-my-last/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The Homebuyers Toolkit: Qualifying For A Mortgage</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 16:09:50 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[adjustable-rate mortgage]]></category>
		<category><![CDATA[ARMs]]></category>
		<category><![CDATA[fixed-rate mortgage]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42247</guid>
		<description><![CDATA[“What happens when you go to a lender,” asked Deborah Johnson, vice president and relationship manager for J.P. Morgan Chase. I didn’t know the answer and from the silence in the room, I was in good company. But Johnson, who was this week’s presenter at the Bedford Central Development Corp. homebuyer seminar series, schooled us on the mortgage process.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>The Y(awn) Generation? I Beg To Differ</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/30/the-yawn-generation-i-beg-to-differ/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/30/the-yawn-generation-i-beg-to-differ/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 17:38:30 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[Generation Y]]></category>
		<category><![CDATA[graduates]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[teens]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42164</guid>
		<description><![CDATA[We only buy designer duds. The latest smart phone is No.1 on our priority list (if we even have a priority list.) For some members of Generation Y, saving is more like a mythological creature than something you actually do.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/30/the-yawn-generation-i-beg-to-differ/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>What To Do Today to Prepare For This Year&#8217;s Taxes</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/28/what-to-do-today-to-prepare-for-this-years-taxes/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/28/what-to-do-today-to-prepare-for-this-years-taxes/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 18:34:39 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42069</guid>
		<description><![CDATA[It’s not tax season yet, but by the time you finish feasting on turkey and calculating the damage from holiday spending, it’ll be time to gather receipts, fill out forms, and calculate deductions. Before Uncle Sam comes knocking like an unexpected visit for that surly, lazy cousin you tried to avoid all holiday season, check out what you can do today to prepare your 2009 taxes.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/28/what-to-do-today-to-prepare-for-this-years-taxes/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Natural Born Hustler</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/26/natural-born-hustler/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/26/natural-born-hustler/#comments</comments>
		<pubDate>Mon, 26 Oct 2009 15:55:33 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[family business]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Teenpreneur]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41956</guid>
		<description><![CDATA[Is entrepreneurship learned or innate? While working on a young entrepreneurs package slated to run on BlackEnterprise.com tomorrow, a co-worker questioned how many of the subjects in the series had a family member who inspired them to venture into entrepreneurship.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/26/natural-born-hustler/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>The Homebuyer’s Toolkit: Getting Started</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/#comments</comments>
		<pubDate>Mon, 26 Oct 2009 14:19:45 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgage Bankers Association]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41838</guid>
		<description><![CDATA[The process of buying a home can be overwhelming. I feel your pain, I’m there too. But there are several resources available. Let’s do this together step by step, week by week. Follow me as I go through a 16 week Home Buyer Seminar sponsored by the Bedford Central Community Development Corp. in Brooklyn, NY. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>Yes We Can Make Local Elections Count</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/22/yes-we-can-make-the-mid-terms-count/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/22/yes-we-can-make-the-mid-terms-count/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 19:56:08 +0000</pubDate>
		<dc:creator>Randal Pinkett</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[election day]]></category>
		<category><![CDATA[mid-term elections]]></category>
		<category><![CDATA[voting]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41800</guid>
		<description><![CDATA[On November 4, 2008, Americans of all race, creeds and colors voted for change – and we poured into the streets with absolute joy and pride in what we accomplished as a nation. It was a proud and profound moment for America. But we cannot rest on the laurels of 2008 and expect that to sustain our objectives into the future. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/22/yes-we-can-make-the-mid-terms-count/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Yeah, I Got It On Layway. What About It?</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/21/yeah-i-got-it-on-layway-what-about-it/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/21/yeah-i-got-it-on-layway-what-about-it/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 22:27:03 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[consumer issues]]></category>
		<category><![CDATA[consumer spending]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[layaway]]></category>
		<category><![CDATA[online shopping]]></category>
		<category><![CDATA[retailers]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41721</guid>
		<description><![CDATA[The buy-now, pay-later mentality of credit cards has been a major factor in reckless and irresponsible consumer behavior. Replacing layaway plans with easy access to high-interest credit has had devastating consequences for lower- and middle-income families, and black people in particular. The public embarrassment of buying goods on layaway (an admission that you were too poor to just buy what you wanted outright), has been replaced with the private shame of crushing credit card debt.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/21/yeah-i-got-it-on-layway-what-about-it/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<item>
		<title>Down But Not Out</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/21/down-but-not-out-2/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/21/down-but-not-out-2/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 17:58:12 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[career advancement]]></category>
		<category><![CDATA[energy programs]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41685</guid>
		<description><![CDATA[If you find yourself in need, or someone you know is in need of home, career, or health assistance, check out this roundup of low-cost and free programs that could be your lifeline.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/21/down-but-not-out-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Hold On To Your Wallet</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/16/hold-onto-your-wallet/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/16/hold-onto-your-wallet/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 20:32:42 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[air fares]]></category>
		<category><![CDATA[air travel]]></category>
		<category><![CDATA[American Airlines]]></category>
		<category><![CDATA[Continental Airlines]]></category>
		<category><![CDATA[Delta Air Lines]]></category>
		<category><![CDATA[surcharges]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[US Airways]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41362</guid>
		<description><![CDATA[With domestic holiday airfares as much as 15% lower than last year, carriers are making up for it elsewhere, namely with a $10 “holiday surcharge” adding to the mounting list of flight fees. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/16/hold-onto-your-wallet/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>What Dow 10,000 Means—This Time</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/14/what-dow-10000-means%e2%80%94this-time/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/14/what-dow-10000-means%e2%80%94this-time/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 20:10:25 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Dow Jones Industrial Average]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[financial markets]]></category>
		<category><![CDATA[publicly-traded companies]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41203</guid>
		<description><![CDATA[As the Dow Jones Industrial Average powers through the 10,000-point threshold today, millions of investors are no doubt searching for meaning. But, is there any deep significance here?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/14/what-dow-10000-means%e2%80%94this-time/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Tools to Help You Track Your Dollars</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/14/tools-to-help-you-track-your-dollars/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/14/tools-to-help-you-track-your-dollars/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 19:20:02 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41155</guid>
		<description><![CDATA[I recently tested three programs, Microsoft Excel, Mint.com, and Google Docs, to find the pros and cons of each. While all of these programs have value, one was clearly a cut above the rest: Mint.com.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/14/tools-to-help-you-track-your-dollars/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Don&#8217;t be Afraid&#8211;Twitter Won&#8217;t Bite</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/09/dont-be-afraid-twitter-wont-bite/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/09/dont-be-afraid-twitter-wont-bite/#comments</comments>
		<pubDate>Fri, 09 Oct 2009 21:53:56 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[social networking]]></category>
		<category><![CDATA[Twitter]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41018</guid>
		<description><![CDATA[There’s a monster lurking in the shadows. The million-headed beast reveals itself from the midst of darkness, propositioning you to join its alliance. But the gushing saliva, malodorous breath, and scaly skin frighten you, prompting you to flee shrieking in fear.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/09/dont-be-afraid-twitter-wont-bite/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>If Diversity Is America&#8217;s &#8220;Secret Weapon&#8221;&#8230;</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/09/if-diversity-is-americas-secret-weapon/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/09/if-diversity-is-americas-secret-weapon/#comments</comments>
		<pubDate>Fri, 09 Oct 2009 15:09:16 +0000</pubDate>
		<dc:creator>Derek T. Dingle</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[corporate diversity]]></category>
		<category><![CDATA[corporate leadership]]></category>
		<category><![CDATA[Diversity]]></category>
		<category><![CDATA[executive talent]]></category>
		<category><![CDATA[top black executives]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40914</guid>
		<description><![CDATA[Over the past two days the Executive Leadership Council has been holding its annual series of meetings -- private CEO summits, its hot-ticket recognition awards gala and a mid-level managers conference. For those of you who haven't heard of ELC, it is an organization composed of senior African American executives who help manage major corporations across the globe or as the group's CEO Carl Brooks says: " our membership includes the baddest brothers and sisters on the planet."]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/09/if-diversity-is-americas-secret-weapon/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Scam Alert: Cash For Home Offer May Not Be What You Think</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/07/scam-alert-cash-for-home-offer-may-not-be-what-you-think/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/07/scam-alert-cash-for-home-offer-may-not-be-what-you-think/#comments</comments>
		<pubDate>Wed, 07 Oct 2009 19:13:11 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40824</guid>
		<description><![CDATA[“Sell you home for cash” signs are ubiquitous, and unfortunately, sketchy, says Manny Alvarado, operation specialist for the New York Regional office of the U.S. Department of Housing and Urban Development (HUD).]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/07/scam-alert-cash-for-home-offer-may-not-be-what-you-think/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Will Obama’s Year-end Challenges Define His Presidency?</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/06/will-obama%e2%80%99s-year-end-challenges-define-his-presidency/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/06/will-obama%e2%80%99s-year-end-challenges-define-his-presidency/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 22:25:50 +0000</pubDate>
		<dc:creator>Derek T. Dingle</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[financial markets]]></category>
		<category><![CDATA[foreign affairs]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40798</guid>
		<description><![CDATA[As we enter the final quarter of a historic but tumultuous year, I can't think of a better time to review the complexities and challenges of the Obama Presidency. I know it seems like every week, one pundit or another reviews the 100-day mark of one of the administration’s or the president’s popularity rating. But there is much agreement among most analysts, regardless of the political persuasion, that the recent confluence of events will prove to be telling. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/06/will-obama%e2%80%99s-year-end-challenges-define-his-presidency/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I&#8217;m Not Rosa Parks. He&#8217;s Not Dr. King.</title>
		<link>http://www.blackenterprise.com/blogs/2009/10/06/im-not-rosa-parks-hes-not-dr-king/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/10/06/im-not-rosa-parks-hes-not-dr-king/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 19:05:21 +0000</pubDate>
		<dc:creator>Maggie Anderson</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[buying black]]></category>
		<category><![CDATA[consumer issues]]></category>
		<category><![CDATA[economic empowerment]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[self-determination]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40783</guid>
		<description><![CDATA[Dr. King tells me that even though he and Rosa Parks and all the other heroes did so much, I don’t have the luxury of giving up, or giving in.   I no longer have the right to live the empty and easy life.  I cannot choose between Living his Dream and Fighting for his Dream anymore. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/10/06/im-not-rosa-parks-hes-not-dr-king/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Finding the Right Personal Finance Applications</title>
		<link>http://www.blackenterprise.com/blogs/2009/09/30/finding-the-right-personal-finance-app/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/09/30/finding-the-right-personal-finance-app/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 19:49:22 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[iPhone]]></category>
		<category><![CDATA[iPod Touch]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40575</guid>
		<description><![CDATA[For your convenience – and my own – I tested three personal finance apps, iBear Money Lite, Money Trackin’, and Tap Expense Lite, to see which is best for tracking your money. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/09/30/finding-the-right-personal-finance-app/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>How I Landed My Gig</title>
		<link>http://www.blackenterprise.com/blogs/2009/09/23/how-i-landed-my-gig/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/09/23/how-i-landed-my-gig/#comments</comments>
		<pubDate>Wed, 23 Sep 2009 14:32:21 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[career advancement]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[human resources]]></category>
		<category><![CDATA[jobs]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40065</guid>
		<description><![CDATA[Instead of sending out mass resumes and cover letters, I decided to tailor each cover letter to the company.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/09/23/how-i-landed-my-gig/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>Tax Collectors Mine Social Networks</title>
		<link>http://www.blackenterprise.com/blogs/2009/09/21/tax-collectors-mine-social-networks/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/09/21/tax-collectors-mine-social-networks/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 20:11:28 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[MySpace]]></category>
		<category><![CDATA[social networking]]></category>
		<category><![CDATA[Twitter]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=39963</guid>
		<description><![CDATA[Uncle Sam is tracking down tax deadbeats through social networks and making them pay up.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/09/21/tax-collectors-mine-social-networks/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
