October 31, 2014 7:40 AM • Log InREGISTER
HOT TOPICS:
How to Apply a Tax Filing Extension How to Deal With a Financial Crisis How to Qualify for the FHA Back to Work Program How Can You Spend 1 Penny to Get Wal-Mart Workers off Food Stamps? Wells Fargo Introduces Interactive Tool for Parents and College Students Toyota Recalls 6.39 Million Cars Love and Money: Should You File a Joint Tax Return? Financial Literacy Month: Five Tips for Financial Well-Being Personal Finance Word of the Day: Consumer Confidence Results of the 2014 NFCC Financial Literacy Survey How You Can Celebrate Financial Literacy Month What You Should Know Before Investing in Municipal Bonds What Young Adults Think of the Affordable Care Act What Business Owners Should Know about the Affordable Care Act What Consumers Should Know about the Affordable Care Act 4 Interesting Credit Facts Consumer Spending and Personal Income Rise Personal Finance Word of the Day: Stress Test Howard University Professor Gives Tips on Handling Economic Stress in New Book Personal Finance Word of the Day: Ponzi Scheme [Video] Identity Theft Listed as Top FTC Consumer Complain in 2013 Personal Finance Word of the Day: Prepaid Card [Video] Pensions: Should You Take a Lump Sum or Monthly Payout? Consumer Financial Protection Bureau to Update Prepaid Card Disclosures Personal Finance Word of the Day: Rally [Video] 3 Tax Audit Triggers To Avoid Watch Out for Malaysia Airline Scams on Facebook Are You Living Paycheck to Paycheck? [Infographic] Tax Tip: Paying for Medical and Dental Expenses [Video] Personal Finance Word of the Day: Adjustable-Rate Mortgage Tax-Time Identity Theft: The IRS Tells You What to Do [Video] Personal Finance Word of the Day: FINRA What to Do If Someone Else Gets Your Tax Forms 4 Things You Should Know About Bartering How to Invest in Emerging Markets [Infographic] Personal Finance Word of the Day: Uniform Transfer to Minors Act Charity Impersonation Listed as One of the IRS “Dirty Dozen” Tax Scams An Analysis of Money Laundering [Infographic] Personal Finance Word of the Day: Average Daily Balance Website Mistakes that Cost You Money [Infographic] Inflated Refunds Listed as One of the IRS “Dirty Dozen” Tax Scams Personal Finance Word of the Day: Mid-Cap Fund Personal Finance Word of the Day: Credit Utilization Ratio A New FICO Scoring Model is Coming Your Way The Anatomy of a Credit Card Payment [Infographic] A Brief History of Taxes [Infographic] Track Your Tax Refund [Video] An Asset Allocation Guide [Infographic] How to Change Your Bad Money Habits [Infographic] Personal Finance Word of the Day: Accelerated Depreciation National Consumer Protection Week Starts Now [Infographic] Personal Income Slightly Rises in January Black Enterprise Financial All-Star: Sonya Smith-Valentine Where to Go to Crowdfund Your College Tuition Black Enterprise Financial All-Star: Michelle Oliver America Saves Week: Where Does Your Money Go? [Infographic] America Saves Week: “Why You Should Save” Wells Fargo and NeighborWorks America Offer Down Payment Assistance Black Enterprise Financial All-Star: Dwight Raiford America Saves Week: Play the Savings Game Personal Finance Word of the Day: Adjusted Basis US News & World Report Editor Talks New Book “The Economy of You” Tax Season 2014: Watch Out for Tax-Related Identity Theft Learn How to Save Money During ‘America Saves’ Week How One Black Enterprise Reader is Helping Black-Owned Businesses The White House Emphasizes the Importance of Enrollment in Affordable Health Care Personal Finance Word of the Day: Automatic Stay Five Factors That Affect Your Credit Score Do Men Still Earn More than Women? [Infographic] Looking for a Valentine’s Day Gift? Try Your Credit Report MetLife Offers Tips on Managing Love and Money Black Enterprise Financial All-Star: Katrina H. Everett Talks Income Strategy Black Enterprise Financial All-Star: Lori Ann Douglass Talks End of Life Planning Black Enterprise’s Financial All-Stars: Aaron W. Smith Talks Raising Capital 4 Tips for Keeping Business and Personal Finances Separate Tips for Keeping Shopping Under Control IRS Launching ‘Free File’ on January 17th More Customers Affected By Target Data Breach Ways to Save on Car Insurance Costs [Video] Don’t Make These Holiday Credit Mistakes Black Enterprise Financial Fitness Contest: Rodd Herbert Talks 1 Year Later How to Start Your Retirement Planning in an Intelligent Manner IRS Announces 2014 Standard Mileage Rates for Business, Medical and Moving FTC Updates Online Complaint Site Is Money “Dripping” From Your Wallet Because of Drip Pricing? How to Give the Gift of Meals This Holiday Season FTC Cracks Down on Phantom Lender Tips for Staying within Your Holiday Budget Walmart Announces Even Earlier Black Friday Sales How to Save Money When Starting a Business Consumer Financial Protection Bureau Prepares to Crack Down on Debt Collectors 5 Financial Questions You Must Ask Before Saying “I do” Best Times to Buy Holiday Gifts [Infographic] Treasury Modifies “Use-or-Lose” Rule for Health Flexible Spending Accounts Financial Planning Tips for New Entrepreneurs Top Expert Tips on How to Save With Coupons Wealth Builder Spotlight: The Inspirational Story of Kanyessa McMahon Hurricane Sandy Anniversary: A Primer on Catastrophe Tax Deduction Average 30-Year Mortgage Rate Dips to 4.13% Google Helps Consumers Prepare for Digital Afterlife Set Yourself up for Financial Success [Infographic] Wells Fargo Presents Video Series on Paying for College Retiring on Time is No Longer Realistic for Many Americans TIAA-CREF Release Results of Financial Advice Survey How to Get the Best Deals on Fall Shopping High School Students Receive $1,000 Prize from Wells Fargo The Financial Benefits of a College Degree [Infographic] How I Became a ‘Couponer’ More Banks Shun Mortgage Preapprovals The Surprising Benefits of Coupons Should You Let Your Sick Parent Move in? Home Improvements that Pay Off Start in the Bathroom [Infographic] Loophole Permits Loans at Non-U.S. Accredited Schools Options for Disabled Student Loan Borrowers Personal Income and Savings Slightly Rise Putting Patients in Charge of Their Health Tax-Filing and Payment Extensions Expire Soon Why Hospitals Taking Health Care Digital is Important Learn How to Plan More and Save More Money Saving for College: A Family Affair Don’t Let Boomerang Kids Ruin Your Retirement Former JPMorgan Chase Employees Charged The Roth IRA Still a Mystery for Some Tax Breaks for Going Back to School Wealthy Investors Wish They Could Save More 4 Quick Tips for Saving Money on Back-to-School Shopping 4 Tips for Managing Student Loan Debt #WealthforLife Wednesdays: Learn About ETFs, Mutual Funds and Stocks In Hedge Fund Manager’s Last Hours of Freedom, an Attempt at One Last Victim Living Single? You Still Need to Plan Financially #WealthforLife Wednesdays: Is it Time to Consult a Financial Planner? 5 Money Lessons From Kanye West’s ‘New Slaves’ Appreciation Is an Important Key to Wealth and Relationship Success Convenience Determines Best and Worst Cities For Summer Travel Report Paints Grim Financial Picture for City of Detroit Know the Signs of Telemarketing Fraud 20 Percent of African Americans Too Broke for Bank Accounts Need More Time? How to File an Extension on Your Taxes As Louisville’s Kevin Ware Cut Down Nets, Fiskars Scissors Gets the Big Stage Walmart Worker Finds $20,000, Returns it to Customer 5 Financial Pitfalls the Underinsured Must Avoid 5 Important Tips to Consider When Choosing a Financial Planner From Roblé Ali, Tasty Dishes to Wear Mindless Behavior: Behind the Business of America’s Hottest Boy Band 5 Money-Saving Skincare Tips For Your Budget Could Emergency Financial Management in Detroit Hurt Blacks? Sports Illustrated Says Barack Obama Is 44th Most Powerful Person in Sports Why you Should Avoid Prepaid Debit Cards at all Costs 5 Reasons the Obamas Should Bring the 2024 Olympic Games to Chicago Q&A: LaQuan Smith on Building a Brand, Dressing the Stars and Watching Boomerang

Money Featured

tax extension sheet

How to Apply a Tax Filing Extension

The extension only extends the due date for the paperwork--not for the money you owe.

Just in case you didn’t know—your taxes were due yesterday.  If you just didn’t get around to…

By Sheiresa Ngo

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PocketsBrokeMoney

How to Deal With a Financial Crisis

There are many successful people who had to start from scratch after a financial meltdown

Financial crisis does not, however, have to be the end of your world

By Sheiresa Ngo

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Image: ThinkStock

How to Qualify for the FHA Back to Work Program

The program has been extended through Sept. 30, 2016

That all changed with the FHA Back to Work Program, which lets homebuyers make a…

By Sheiresa Ngo

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Helping-Hand-620x480

How Can You Spend 1 Penny to Get Wal-Mart Workers off Food Stamps?

The Marketplace report says Walmart workers cost the government roughly $300 million a year in food-stamp costs

Would you pay extra to affect this social change?

By Sheiresa Ngo

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WellsFargo

Wells Fargo Introduces Interactive Tool for Parents and College Students

(Image: Thinkstock)
If you’re a parent or student preparing for college, Wells Fargo has a…

By Sheiresa Ngo

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be news

Toyota Recalls 6.39 Million Cars

Toyota says it is recalling 6.39 million cars worldwide due to five defects. Out…

By Sheiresa Ngo

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money and love

Love and Money: Should You File a Joint Tax Return?

When you choose married filing separately, you and your spouse file two separate tax returns instead of one joint return

Here’s some information to help you decide

By Sheiresa Ngo

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(File)

Financial Literacy Month: Five Tips for Financial Well-Being

(File)
Are you financially well? If you’re not, don’t feel bad. There are plenty of…

By Sheiresa Ngo

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(Image: Thinkstock)

Personal Finance Word of the Day: Consumer Confidence

The Bureau of Economic Analysis reported last week that consumer spending and income was on the rise in February

Despite all this good news, the University of Michigan and Thomson Reuters assert that consumer…

By Sheiresa Ngo

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Save-money-1-1-170943_L

Results of the 2014 NFCC Financial Literacy Survey

Each year, the National Foundation for Credit Counseling conducts a financial literacy survey.
This year’s survey…

By Sheiresa Ngo

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(File)

How You Can Celebrate Financial Literacy Month

Learn a lot about financial terms and how to handle your money

There are plenty of free financial literacy tools you can take advantage of

By Sheiresa Ngo

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savings-bonds

What You Should Know Before Investing in Municipal Bonds

When considering investing money in municipal bonds, you will want to know what you are…

By Sheiresa Ngo

Posted:
Eating-Healthy-300x232

What Young Adults Think of the Affordable Care Act

The Black Youth Project conducted a survey to find out how American youth feel about…

By Sheiresa Ngo

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black-woman-at-work-300x232.jpg

What Business Owners Should Know about the Affordable Care Act

Know the difference between being self-employed and an employer. Before applying for coverage, know that…

By Sheiresa Ngo

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(Image: Healthcare.gov)

What Consumers Should Know about the Affordable Care Act

(Image: Healthcare.gov)
Today is the last day to enroll for affordable health care through the market…

By Sheiresa Ngo

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creditcards1

4 Interesting Credit Facts

Here are a few things you might not know about credit cards:
1. You can…

By Sheiresa Ngo

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economy-rising

Consumer Spending and Personal Income Rise

There is more good news for consumers this month.
Personal income increased $47.7 billion, or 0.3%,…

By Sheiresa Ngo

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citigroup

Personal Finance Word of the Day: Stress Test

Citigroup Inc.’s capital plan was among five that failed Federal Reserve stress test. Also known…

By Sheiresa Ngo

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howard university entrance sign

Howard University Professor Gives Tips on Handling Economic Stress in New Book

Author Robert M. Brown III talks about managing the emotional impact of money trouble

Have you ever dealt with a lot of stress?

By Sheiresa Ngo

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Fraud-300x232

Personal Finance Word of the Day: Ponzi Scheme [Video]

Bernie Madoff made this word as famous as it has ever been

The U.S. Securities and Exchange Commission defines a Ponzi scheme as an investment fraud

By Sheiresa Ngo

Posted: Tags: ,
identity-theft-300x232.jpg

Identity Theft Listed as Top FTC Consumer Complain in 2013

Fraud and identity theft combined for almost 70% of complaints last year

More than half of the complaints were fraud based

By Sheiresa Ngo

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stk316204rkn

Personal Finance Word of the Day: Prepaid Card [Video]

Your daily money bite

In light of the Consumer Financial Protection Bureau’s recent push to update disclosures for prepaid…

By Sheiresa Ngo

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money-fans-122312-575hc

Pensions: Should You Take a Lump Sum or Monthly Payout?

Make sure to choose wisely

If you’re ever in a position where you’re offered to take your pension as either…

By Sheiresa Ngo

Posted: Tags: , , , , ,
prepaid cards marketed to small businesses

Consumer Financial Protection Bureau to Update Prepaid Card Disclosures

It will be easier to understand fees

The Consumer Financial Protection Bureau announced yesterday that it is working on new disclosures that…

By Sheiresa Ngo

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stocks rise

Personal Finance Word of the Day: Rally [Video]

Your daily money bite

A recent Marketwatch article discusses the stock market’s curious response to last weekend’s political news.…

By Sheiresa Ngo

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taxesforms

3 Tax Audit Triggers To Avoid

Tax season is a stressful time of year. Being audited by the Internal Revenue Service…

By Sheiresa Ngo

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Be honest in your financial dealings. “Dishonest money dwindles away, but he who gathers money little by little makes it grow.”     —Proverbs 13:11

Watch Out for Malaysia Airline Scams on Facebook

Don't fall for scammers' tricks

If you see a post in your Facebook feed with a video claiming the…

By Sheiresa Ngo

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<ul> 	<li><strong>Salary is inadequate:</strong></li> </ul> <strong> </strong>If you’re barely making ends meet when it comes to your bills, debt payments or providing for your family, then either you’re not budgeting correctly or your salary is too low.  If it’s the latter, Price suggests that you seek another job.  “If you don’t feel like you’re being compensated enough to handle living arrangements then something has to change,” he says.  “If you can look for another job that pays more then by all means go and pursue that.”

Are You Living Paycheck to Paycheck? [Infographic]

If you’re barely making ends meet when it comes to your bills, debt payments or…

By Sheiresa Ngo

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Female-doctor-patient-300x232

Tax Tip: Paying for Medical and Dental Expenses [Video]

Did you spend a large amount of your income on medical and dental expenses last…

By Sheiresa Ngo

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money-house_crop.jpg

Personal Finance Word of the Day: Adjustable-Rate Mortgage

Your daily money bite

Adjustable-rate mortgages are making a comeback. A recent article in The Wall Street Journal says…

By Sheiresa Ngo

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identity theft

Tax-Time Identity Theft: The IRS Tells You What to Do [Video]

Here's an action plan if your personal information is at risk

If you believe that you’re the victim of one of the IRS “dirty dozen” tax…

By Sheiresa Ngo

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Image: ThinkStock

Personal Finance Word of the Day: FINRA

Your daily money bite

Word of the day: FINRA
FINRA, which stands for Financial Industry Regulatory Authority, is a regulatory…

By Sheiresa Ngo

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File Electronically 	Last year alone, 99 million people—70 percent of all individual taxpayers—used IRS e-file to electronically transmit their tax returns, according to the government agency. With electronic filing, you can literally submit your taxes up until the very last second without penalty. E-filing is an easy and cost-effective method to filing your taxes. Plus, it does the math for you. If you’re concerned about not knowing all the credits you qualify for, remember, most software programs have step-by-step instructions, which increases accuracy and the possibility of receiving a larger refund. Those with an adjusted gross income of $58,000 or less may be able to use the IRS’s Free File option, where taxpayers use online software donated by TurboTax and other tax agencies.

What to Do If Someone Else Gets Your Tax Forms

A plan for dealing with tax trouble

Tax season can be a stressful time of year. You certainly don’t want to…

By Sheiresa Ngo

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3. Do seek "trade credit" from vendors and suppliers. 

Too many entrepreneurs dream of going to a bank and getting a business loan or line of credit for their enterprise. But maybe you don’t need a traditional bank loan at all to launch or grow your business. 

If you can get your vendors and suppliers to agree to provide you with trade credit---i.e., the ability to pay for goods and services over time---you can creatively and more frugally run your operations.

4 Things You Should Know About Bartering

Learn the rules so you can stay out of trouble with the IRS

Bartering can help you save money. However, it's important to be aware of the tax…

By Sheiresa Ngo

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Florida Tech to Host Webinar on Supply Chain Risk Management

How to Invest in Emerging Markets [Infographic]

If you’ve considered investing in an emerging market, you may not know how to get…

By Sheiresa Ngo

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estate planning

Personal Finance Word of the Day: Uniform Transfer to Minors Act

Your daily money bite

Word of the day: Uniform Transfer to Minors Act
If you are a parent or grandparent,…

By Sheiresa Ngo

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tax-bills-300x232

Charity Impersonation Listed as One of the IRS “Dirty Dozen” Tax Scams

Don't donate blindly

Each year, the IRS releases its list of “dirty dozen” tax scams to watch out…

By Sheiresa Ngo

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extra money

An Analysis of Money Laundering [Infographic]

Don't even think about taking dirty money

Chances are you’ve heard of money laundering, but do you really know what it is…

By Sheiresa Ngo

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credit-card-use

Personal Finance Word of the Day: Average Daily Balance

Your daily money bite

Word of the day: Average daily balance
The average daily balance is the average balance on…

By Sheiresa Ngo

Posted: Tags: , ,
internet_1

Website Mistakes that Cost You Money [Infographic]

Don't make these blunders

If you’ve been trying to cut corners when it comes to your business website, you…

By Sheiresa Ngo

Posted: Tags: , ,
tax tips

Inflated Refunds Listed as One of the IRS “Dirty Dozen” Tax Scams

Don’t trust a tax preparer who makes outrageous promises

Each year, the IRS releases its list of “dirty dozen” tax scams to watch out…

By Sheiresa Ngo

Posted: Tags: , , ,
Image: ThinkStock

Personal Finance Word of the Day: Mid-Cap Fund

Your daily money bite

Word of the day: Mid-cap fund
A mid-cap fund is a type of stock fund that…

By Sheiresa Ngo

Posted: Tags: , ,
credit2

Personal Finance Word of the Day: Credit Utilization Ratio

Your daily money bite.

Word of the day: Credit utilization ratio
Creditors use a calculation called a credit utilization ratio,…

By Sheiresa Ngo

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creditscore

A New FICO Scoring Model is Coming Your Way

The credit-scoring leader announces updates

FICO announced recently that the newest credit scoring model is coming soon. Known as FICO…

By Sheiresa Ngo

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CreditCards3

The Anatomy of a Credit Card Payment [Infographic]

A step-by-step guide

Have you ever wondered exactly what happens when you swipe your credit card? Well, a…

By Sheiresa Ngo

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Taxes-620x480

A Brief History of Taxes [Infographic]

Fun tax facts

It’s almost that time again. Tax day is just around the corner. In honor of…

By Sheiresa Ngo

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taxes

Track Your Tax Refund [Video]

Find your money

If you’ve recently filed your tax forms, you’re probably wondering when you’ll receive your refund.…

By Sheiresa Ngo

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investing

An Asset Allocation Guide [Infographic]

Don't put all your eggs in one basket

What does asset allocation mean?

By Sheiresa Ngo

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How to Change Your Bad Money Habits [Infographic]

You don't have to let routine ruin your finances

How will you improve?

By Sheiresa Ngo

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MONEY

Personal Finance Word of the Day: Accelerated Depreciation

Your daily money bite

It is legal to depreciate the cost at a rate faster than would be allowed…

By Sheiresa Ngo

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black-woman-shopper-300x232.jpg

National Consumer Protection Week Starts Now [Infographic]

This week is National Consumer Protection Week (March 2 to 8)

What will you be doing this week?

By Sheiresa Ngo

Posted: Tags: ,
10 money moves - savings_crop

Personal Income Slightly Rises in January

Private wages and salaries increased $14.8 billion, amongst other areas

Government wages and salaries increased $0.6 billion, compared with an increase of $1.3 billion in…

By Sheiresa Ngo

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be-home-logo

Black Enterprise Financial All-Star: Sonya Smith-Valentine

Advice from Black Enterprise's top experts

Learn how to manage your credit

By Sheiresa Ngo

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Should You Do a Crowdfunding Campaign?

Where to Go to Crowdfund Your College Tuition

Students think like entrepreneurs to meet school expenses

The average cost of tuition, fees, and room and board at a private, nonprofit, four-year…

By Sheiresa Ngo

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be-home-logo

Black Enterprise Financial All-Star: Michelle Oliver

Advice from Black Enterprise's top experts

Life insurance purchases are important

By Sheiresa Ngo

Posted: Tags: , ,
(Image: Thinkstock)

America Saves Week: Where Does Your Money Go? [Infographic]

Are you saving enough?

Does your pocket seem to always have a hole in it?

By Sheiresa Ngo

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america saves

America Saves Week: “Why You Should Save”

Your saving habits could have life-long consequences

Save now for a rainy day

By Sheiresa Ngo

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wells-fargo-lends-out-more-than-a-billion

Wells Fargo and NeighborWorks America Offer Down Payment Assistance

Low-to-middle-income consumers get the help they need

Help for homeowners is on the way

By Sheiresa Ngo

Posted: Tags: , , ,
Image: Black Enterprise

Black Enterprise Financial All-Star: Dwight Raiford

Advice from Black Enterprise's top experts

Have you begun to plan for retirement?

By Sheiresa Ngo

Posted: Tags: , ,
Be sure to also read...  	5 Podcasts to Boost Your Financial Brainpower 	7 Money Lessons from the Bible 	The 7 Deadly Sins of Money Management  How are you teaching your children about money? What age did you start?

America Saves Week: Play the Savings Game

Test your savings skills with this educational game

How did you do?

By Sheiresa Ngo

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money-house_crop.jpg

Personal Finance Word of the Day: Adjusted Basis

Your daily money bite

What’s the definition?

By Sheiresa Ngo

Posted: Tags: , , ,
Economy of You ART

US News & World Report Editor Talks New Book “The Economy of You”

Kimberly Palmer talks about creating an economy that you control

Take hold of your financial destiny

By Sheiresa Ngo

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taxes

Tax Season 2014: Watch Out for Tax-Related Identity Theft

Keep an eye out for tax-time thieves

Your identity could be stolen

By Sheiresa Ngo

Posted: Tags: , , ,
(File)

Learn How to Save Money During ‘America Saves’ Week

Give your nest egg a boost

Use this week develop sound saving habits

By Sheiresa Ngo

Posted: Tags: , ,
support-black-business

How One Black Enterprise Reader is Helping Black-Owned Businesses

Vannessa Wade supports black business with her money and her talents

Wade isn’t shy about her mission to help black businesses.

By Sheiresa Ngo

Posted: Tags: , ,
healthcare story

The White House Emphasizes the Importance of Enrollment in Affordable Health Care

Millions will have access to coverage

Nearly 6.8 million African Americans in the United States are uninsured

By Sheiresa Ngo

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BankruptcyCourt

Personal Finance Word of the Day: Automatic Stay

Your daily money bite

Learn what an automatic stay is

By Sheiresa Ngo

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creditscore

Five Factors That Affect Your Credit Score

A guide to boosting your number

How high or low is your credit score?

By Sheiresa Ngo

Posted: Tags: ,
black-couple-and-stack-of-money-378x350

Do Men Still Earn More than Women? [Infographic]

A recent study answers the question

If you’re a woman, most times you can expect a smaller paycheck than your male…

By Sheiresa Ngo

Posted: Tags: , , ,
ValerieMorris-300x225

Looking for a Valentine’s Day Gift? Try Your Credit Report

Nothing says 'I love you' like financial planning together

According to Morris, couples are often reluctant to discuss money matters and that finances are…

By Alan Hughes

Posted:
black-couple-smiling

MetLife Offers Tips on Managing Love and Money

Guidelines for creating harmony between your money and your honey

MetLife’s handy tips are from their love and money workshop, which is part of their…

By Sheiresa Ngo

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katrina-leverett

Black Enterprise Financial All-Star: Katrina H. Everett Talks Income Strategy

Advice from Black Enterprise's top experts

Make sure you have sufficient liquidity in cash reserves in case of an emergency

By Sheiresa Ngo

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douglas_lori_crop

Black Enterprise Financial All-Star: Lori Ann Douglass Talks End of Life Planning

Advice from Black Enterprise's top experts

Do your disability and estate planning now

By Sheiresa Ngo

Posted: Tags: , , , ,
aaron-w-smith

Black Enterprise’s Financial All-Stars: Aaron W. Smith Talks Raising Capital

Advice from Black Enterprise's top experts

What are the best ways to raise capital?

By Sheiresa Ngo

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6 Steps for Getting Noticed in Any Setting

4 Tips for Keeping Business and Personal Finances Separate

Advice for keeping your money in order

Don’t forget to keep a close eye on both your business and personal finances

By Sheiresa Ngo

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black-woman-shopping

Tips for Keeping Shopping Under Control

Regain control over your cash

Close your wallet

By Sheiresa Ngo

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tax tips

IRS Launching ‘Free File’ on January 17th

Free File Alliance and IRS team up to offer tax service free of charge

Choose from several free offerings from leading providers of tax software

By Sheiresa Ngo

Posted: Tags: , ,
identity theft

More Customers Affected By Target Data Breach

Retailer revises numbers to show a lot more customers were affected than originally thought

Make sure you check—and then double-check–your account statements

By Sheiresa Ngo

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signing-documents-298x285.jpg

Ways to Save on Car Insurance Costs [Video]

Tips for keeping more cash in your pocket

Does the cost of car insurance have you reeling? It might be time to look…

By Sheiresa Ngo

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The type of plastic you use matters

Don’t Make These Holiday Credit Mistakes

Don’t let these blunders ruin your holiday

Pay very close attention to the fine print and exercise self-control

By Sheiresa Ngo

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Rodd Herbert (Photo by Kevin Foley)

Black Enterprise Financial Fitness Contest: Rodd Herbert Talks 1 Year Later

A look back at contest winners from the Black Enterprise 2012 Financial Fitness Contest

Herbert strives to manage finances in the face of declining health

By Sheiresa Ngo

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retirement

How to Start Your Retirement Planning in an Intelligent Manner

Tips for planning for your golden years

Here’s how to make sure you’re on the right track for retirement

By Sheiresa Ngo

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irs

IRS Announces 2014 Standard Mileage Rates for Business, Medical and Moving

Updates for the new year

Updated rates are coming for the costs of operating an automobile for business, charitable, medical…

By Sheiresa Ngo

Posted: Tags: ,
woman-computer-internet

FTC Updates Online Complaint Site

Changes are coming to FTC complaint features

The FTC has redesigned its online Complaint Assistant

By Sheiresa Ngo

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Empty-Wallet-300x232

Is Money “Dripping” From Your Wallet Because of Drip Pricing?

Beware of hidden fees

Avoid getting hit with fees that weren’t in the original price quote

By Tory Parrish

Posted: Tags: , , , ,
feeding america

How to Give the Gift of Meals This Holiday Season

For 1 in 6 Americans, hunger is an everyday challenge. Here's how you can help

Just $28 can feed a family for three weeks

By Darren Sands

Posted: Tags: ,
Using Criminal Background Checks in Small Businesses

FTC Cracks Down on Phantom Lender

Company accused of collecting on fake loans gets its due

The FTC requested a U.S. court to shut down a fake lender

By Sheiresa Ngo

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holiday-shopping-sales-e1355955650770

Tips for Staying within Your Holiday Budget

Don’t let seasonal shopping wreck your finances

How do you make sure you get the most bang for your buck?

By Sheiresa Ngo

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Black-Friday-Shopping

Walmart Announces Even Earlier Black Friday Sales

To get great deals, you might have to eat Thanksgiving dinner on the go

The store announced that it will have two major sales events

By Sheiresa Ngo

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For too long women have been forced to figure out how to survive on their own. I wrote my book, SKIRTS in the Boardroom to equip women with the tools necessary to chart their own course. S.K.I.R.T.S. is actually an acronym that represents the characteristics that today’s woman must have to thrive in the boardroom, which ultimately represents any place of power that is male-dominated---a place where decisions are made and where you have a chance to show what you're made of. While it may change at different stages of your life, the boardroom is your playing field. It's also a place where the good ‘ole boys' network has, and continues to, flourish. It is time for the ladies to take their seats in the executive suite.   So how do you position yourself to thrive in and out of the boardroom?  Here seven savvy qualities that today’s S.K.I.R.T.S. must possess to go to the next level. (Pay attention, fellas---you can learn some fabulous tips, too!)---Marshawn Evans

How to Save Money When Starting a Business

Advice for holding on to your cash during the start-up phase

Get started on the right foot during the early stages of your new business

By Sheiresa Ngo

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single-black-women-debt-bankruptcy

Consumer Financial Protection Bureau Prepares to Crack Down on Debt Collectors

New rules may be on the horizon

The CFPB complaint database has more than 155,000 complaints on several financial consumer issues

By Sheiresa Ngo

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CoupleWedding620480

5 Financial Questions You Must Ask Before Saying “I do”

Get the full picture before merging finances

Discuss the topic of money prior to saying “I do” in order to get a…

By Kenny Pugh

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holiday-gifts-300x232

Best Times to Buy Holiday Gifts [Infographic]

Learn when to make purchases so you can save more of your cash

This handy infographic from Savings.com lists the best times to purchase your holiday gifts

By Sheiresa Ngo

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MoneyandHealth

Treasury Modifies “Use-or-Lose” Rule for Health Flexible Spending Accounts

Plan participants get to hold on to some of their money

The U.S. Department of the Treasury and the IRS will adjust the “use-or-lose” rule attached…

By Sheiresa Ngo

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Financial Planning Tips for New Entrepreneurs

So you want to be a boss? Make sure your finances are in order first

After years of running the proverbial rat race, you’re thinking of starting a business

By Sheiresa Ngo

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coupons

Top Expert Tips on How to Save With Coupons

Savings and coupon advice from money expert Sami Cone

You’ll never know how much you can save until you realize how much you’re spending

By Sheiresa Ngo

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kanyessa-mcmahon

Wealth Builder Spotlight: The Inspirational Story of Kanyessa McMahon

Learn how this young boss is growing her money through entrepreneurship

After a frustrating four-month stint at a video production company, she acted on her entrepreneurial…

By Sheiresa Ngo

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Business Continuity Tips Discussed at Free Webinar Hosted by SBA and Agility Recovery

Hurricane Sandy Anniversary: A Primer on Catastrophe Tax Deduction

Know what you're entitled to in the event of a disaster

If another major disaster were to strike, help may be available

By Shandra Hill Smith

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money-house_crop.jpg

Average 30-Year Mortgage Rate Dips to 4.13%

Rates drop the lowest level in four months

Freddie Mac’s Primary Mortgage Market Survey shows the average rates on fixed mortgages in the…

By Sheiresa Ngo

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WomanComputerCity

Google Helps Consumers Prepare for Digital Afterlife

New feature helps you plan for the future

Users of Google can entrust account information to family or friends or have the account…

By Alanna Hunter

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Set Yourself up for Financial Success [Infographic]

MetLife provides money management tips for young adults

Paying careful attention to your finances is the key to achieving financial freedom

By Sheiresa Ngo

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black student college loans

Wells Fargo Presents Video Series on Paying for College

Educational series offers tips to help students navigate the financial aid process

Wells Fargo recently produced a series of videos focused on financing college

By Sheiresa Ngo

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retirement

Retiring on Time is No Longer Realistic for Many Americans

An increasing number of workers will remain in the workforce longer than anticipated

If you’ve come to the realization that you won’t be able to fully retire when…

By Sheiresa Ngo

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man-counting-money-in-suit

TIAA-CREF Release Results of Financial Advice Survey

Survey shows some are fearful when it comes to managing money

A random group of 1,000 adults across the nation were asked about their attitudes, preferences…

By Sheiresa Ngo

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How to Get the Best Deals on Fall Shopping

Tips from shopping expert Patrice J. Williams

Now that Fall is here, it’s time to pack away your pastels and break out…

By Jamarris Richardson-Mcfield

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Grad-cap-money-620x480

High School Students Receive $1,000 Prize from Wells Fargo

Bank awards cash prizes to winners of their CollegeSTEPS® sweepstakes.

 

Wells Fargo is presenting $1,000 checks to 520 high school students who won …

By Sheiresa Ngo

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(Image: Thinkstock)

The Financial Benefits of a College Degree [Infographic]

A college degree could mean more money and lower unemployment

Benefits of getting higher education are highlighted in this infographic

By Sheiresa Ngo

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MONEY

How I Became a ‘Couponer’

Savings and coupon advice from money expert Kasey Trenum.

Black Enterprise got some juicy coupon tips from Kasey Trenum, Savings.com DealPro and co-founder of…

By Sheiresa Ngo

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home buyer

More Banks Shun Mortgage Preapprovals

Disappearing preapprovals will make it tougher for home buyers to stand out to prospective sellers

Some lenders are opting to do away with mortgage preapprovals

By Sheiresa Ngo

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coupons

The Surprising Benefits of Coupons

Savings.com editor Susan Yoo-Lee shares results of the 2013 ValPak Readership Survey

National Coupon Month ended last week, but that doesn’t mean the fun has to stop.…

By Sheiresa Ngo

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Couple-managing-bills-300x232

Should You Let Your Sick Parent Move in?

Moving a parent in could put a strain on love and money

The decision on whether to move a parent in can be an emotional and life-changing…

By Kenny Pugh

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money-house_crop.jpg

Home Improvements that Pay Off Start in the Bathroom [Infographic]

Five renovations that add value to your house.

The right updates could greatly increase the resale value of your home.

By Sheiresa Ngo

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(Image: Thinkstock)

Loophole Permits Loans at Non-U.S. Accredited Schools

U.S. taxpayers held responsible for loans made overseas

Why are we responsible for this?

By Sheiresa Ngo

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Options for Disabled Student Loan Borrowers

Tips for discharging student loan debt due to disability.

This past July, the U.S. Department of Education enforced new regulations that made it easier…

By Sheiresa Ngo

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Personal Income and Savings Slightly Rise

Consumers show small gains in pay and savings

(File)
Personal income increased $57.2 billion, or 0.4%, and disposable personal income (DPI) increased…

By Sheiresa Ngo

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HOW TO START AN EMPLOYEE WELLNESS PROGRAM

Putting Patients in Charge of Their Health

New electronic health records system gives control to patients.

Obtaining a copy of your medical records can be a hassle.

By Sheiresa Ngo

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tax tips

Tax-Filing and Payment Extensions Expire Soon

Hurry before it's too late.

If you are among the more than 12 million taxpayers who requested a six-month extension…

By Sheiresa Ngo

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Healthcare-job

Why Hospitals Taking Health Care Digital is Important

CEO Ryan Howard talks about the importance of electronic health records.

Many medical facilities are in the process of making the switch to electronic health records.…

By Sheiresa Ngo

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Saving on the fly is like not saving at all. The best savers are serious about financial planning.

Learn How to Plan More and Save More Money

Those who make a plan for their money save more cash.

Do you want to save more money? A recent survey shows that if you want…

By Sheiresa Ngo

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10) Age matters: If you’re a BE Nexter who’s looking to invest, White suggests you pay down the debts first and then start allocating a portion of your income into the equity market. “You can start with blue chip stocks, those companies that you know well, or you can invest in ETF's (exchange traded funds), which mimic whatever industry, index or country you’re trying to match. If you’re headed toward retirement, play it safe. “You don’t want to be 62 and have to experience the kind of correction that we’re having now in the stock market,” says White.” You want to have money in savings accounts, CDs or high grade US treasure bonds when you’re seven years or so out from retirement.”

Saving for College: A Family Affair

Turbocharge college savings with the help of family members.

The cost of a college education has dramatically increased over the past decade.

By Jennifer Streaks

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Don’t Let Boomerang Kids Ruin Your Retirement

Here’s how to protect your finances from children returning to the nest.

Tips for protecting your retirement funds when you have children.

By Sheryl Nance-Nash

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bank-sam

Former JPMorgan Chase Employees Charged

Two former JPMorgan Chase employees have been charged with trying to cover up last year’s…

By Sheiresa Ngo

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dollar question

The Roth IRA Still a Mystery for Some

Fear and lack of knowledge are holding some investors back.

Some investors are giving the Roth IRA the cold shoulder.

By Sheiresa Ngo

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Tax Breaks for Going Back to School

Get financial perks for hitting the books.

Tax breaks are a great way to reduce educational costs.

By Sheiresa Ngo

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piggy-bank

Wealthy Investors Wish They Could Save More

More money? More problems.

Even though rich people have fewer regrets, they still have concerns about money.

By Sheiresa Ngo

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back-to-school-shopping

4 Quick Tips for Saving Money on Back-to-School Shopping

Keep more cash in your pocket

Summer will soon draw to a close, and kids will be back on the school…

By Sheiresa Ngo

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4 Tips for Managing Student Loan Debt

Start life after college on the right foot

The joy of graduating can turn into dread once student loan notices start pouring in.

By Candace Myers

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Dominique Broadway, financial advisor and coach

#WealthforLife Wednesdays: Learn About ETFs, Mutual Funds and Stocks

What's the difference and how do I choose which is best for me?

A mutual fund is similar to a stock, but instead of investing in one company…

By LaToya M. Smith

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Fredrick-D-Scott-Image_21-e1369017263149

In Hedge Fund Manager’s Last Hours of Freedom, an Attempt at One Last Victim

Alleged scam artist wooed startup founder with fancy cars, back story

Mr. Bailey says he’s relieved he seems to have dodged a major bullet.

By Darren Sands

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Single-black-woman

Living Single? You Still Need to Plan Financially

Could the keys to your financial success be tied up in your relative freedom?

Watch how you spend!

By Jennifer Streaks

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(Image: Thinkstock)

#WealthforLife Wednesdays: Is it Time to Consult a Financial Planner?

After years of doing things on my own I knew it was time to get some professional advice

Before you dismiss the idea of working with a financial planner, find out how they…

By LaToya M. Smith

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5 Money Lessons From Kanye West’s ‘New Slaves’

The new single from Kanye West's forthcoming album, 'Yeezus'

Spending everything on Alexander Wang — not a good idea

By Darren Sands

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CoupleProfileHappy620480

Appreciation Is an Important Key to Wealth and Relationship Success

Why you should avoid investing in things & relationships that don’t appreciate

There aren’t too many people today who don’t desire success in the areas of love…

By Kenny Pugh

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(Image: ThinkStock)

Convenience Determines Best and Worst Cities For Summer Travel

Is Denver on your summer list of places to visit? Apparently, it should be

Convenience is the name of the game when it comes to summer travel.

By Darren Sands

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Detroit Bankruptcy Turns Spotlight to Business Development

Report Paints Grim Financial Picture for City of Detroit

Pension funds, borrowing capabilities in disarray

The report was completed by Washington, D.C.- based bankruptcy lawyer Kevyn D. Orr, who was…

By Darren Sands

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scam

Know the Signs of Telemarketing Fraud

Be aware of thieves looking to take advantage of you.

Telemarketing scams are everywhere…watch out!

By Sheiresa Ngo

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Photo Credit: NBC News

20 Percent of African Americans Too Broke for Bank Accounts

Banks charge an average of $6 to cash checks

A large segment of the black community is unbanked

By Makkada B. Selah

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(Image: ThinkStock)

Need More Time? How to File an Extension on Your Taxes

The form is as easy as 1-2-3

It’s April, and millions still haven’t filed their taxes.

By Darren Sands

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Kevin Ware is undoubtedly the face of the 2013 NCAA Tournament, and Adidas and the scissors company Fiskars are two major benefactors.

As Louisville’s Kevin Ware Cut Down Nets, Fiskars Scissors Gets the Big Stage

Iconic images at Final Four have little monetary benefit for players

Critics parse fairness of brand associations on the court at the Final Four.

By Darren Sands

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be news

Walmart Worker Finds $20,000, Returns it to Customer

Good Samaritan worker has been promoted

A kind-hearted Walmart worker defines customer service

By Makkada B. Selah

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the underinsured

5 Financial Pitfalls the Underinsured Must Avoid

The already susceptible should be extra careful

Waste no time getting into these tips.

By Darren Sands

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(Image: Thinkstock )

5 Important Tips to Consider When Choosing a Financial Planner

Need professional assistance to manage your finances?

Here’s some help how to choose the right person for you

By Black Enterprise

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Over the course of his career, Chef Roble has positioned himself as a serial entrepreneur.

From Roblé Ali, Tasty Dishes to Wear

#FoodPorn clothing line is a savvy merge of interests, business acumen

Chef Roblé, is at it again.

By Ashley R. Harris

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Mindless2

Mindless Behavior: Behind the Business of America’s Hottest Boy Band

A tried and true business model goes next-level with Prodigy, Ray Ray, Roc Royal and Princeton

The business of Mindless Behavior isn’t exactly ‘mindless’ at all.

By Darren Sands

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(Image: Thinkstock)

5 Money-Saving Skincare Tips For Your Budget

Smart spending and planning can help your skin rebound, our expert says

Being smart about your skincare doesn’t mean you have to break the bank.

By Dr. Michelle Henry

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Mayor Bing, budget, Black Enterprise

Could Emergency Financial Management in Detroit Hurt Blacks?

Is Detroit doomed?

The state of Michigan is threatening to take over Detroit

By Makkada B. Selah

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Barack-Obama-620x480

Sports Illustrated Says Barack Obama Is 44th Most Powerful Person in Sports

Obama speaks, and the sports world listens, SI says

Obama one of four African Americans on the list.

By Darren Sands

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credit-cards-620x480.jpg

Why you Should Avoid Prepaid Debit Cards at all Costs

The benefits of prepaid debit cards can often appear attractive

Companies peddling prepaid debit cards often use celebrities to target consumers.

By Jennifer Streaks

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michelle obama president obama

5 Reasons the Obamas Should Bring the 2024 Olympic Games to Chicago

After a failed bid for the 2016 Games, Chicago is an early favorite among U.S. cities to land the Olympics. Make no mistake: the Obamas can bring it home, in their case, literally

After a failed bid for the 2016 Games, Chicago is an early favorite among U.S.…

By Darren Sands

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LaQuanSmith

Q&A: LaQuan Smith on Building a Brand, Dressing the Stars and Watching Boomerang

Smith, just 24, is already at the top of his game -- and still rising

Business is “booming” for LaQuan Smith.

By Nikki Ogunnaike

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Women of Power

Lisa Nichols

Motivational Entrepreneur Lisa Nichols Talks How She Reclaims Her Power

Preparing for her appearance at the 2015 Women of Power Summit, motivation guru Lisa Nichols…

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Susan L. Tayloer, 10 Facts

Women of Power Summit: Ten Facts About Susan L. Taylor

Former Editor-In-Chief, Susan L. Taylor, is being honored at Black Enterprise’s Women of Power Summit…

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