December 22, 2014 2:13 PM • Log InREGISTER

Money

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Bankrate’s Laura Adams Explains C.L.U.E. Reports

Some surprising actions that can hike up your insurance rates.

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Credit Cards

CFPB Sues Company Over Misleading Credit Card

Bureau cracks down on Texas company

Union Workers Credit Services is being sued for allegedly tricking consumers into paying fees to…

By Sheiresa Ngo

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Decoded: 6 Power Women Who Drove Culture and Conversation in 2014

In 2014, women of color inspired conversations about issues that matter and shaped culture around…

By Kandia Johnson

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student loan debt

10 College Scholarships for Minority Students

Top college funding opportunities and resources

Check out this roundup of some of the top scholarship opportunities designed to benefit minority…

By Courtney Connley

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black-woman-shopping

Walgreens State of Small Gifting Report

Do you remember those who serve you?

If you’re still trying to figure out what to get your housekeeper or you just…

By Sheiresa Ngo

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Sprint Mifi

Sprint Overcharges Customers, Fined $105 Million

Company found to be practicing 'cramming' by U.S. Consumer Financial Protection Bureau

Sprint overcharges customers and faces a $105 million lawsuit.

By Essence Gant

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5 Tips for Lowering Your Winter Heating Bill

Keep more cash in your wallet

If you’re looking for ways to save on your heating bill, there are plenty of…

By Sheiresa Ngo

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Consumer Tip: Take Advantage of Free Shipping Day

You might not have to pay a dime for shipping today

If you’re still pulling your holiday shopping list together, today is your lucky day.

By Sheiresa Ngo

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American Airlines Rewards Top-Paying Flyers with Mileage

First and business class travelers score extra miles

American Airlines recently announced that they would be rewarding its travelers who pay top dollar…

By Essence Gant

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car insurance

Watch out for Car and Home Insurance Surprises

Don't get caught off guard

If your goal is to save money this coming year, then you should definitely be…

By Sheiresa Ngo

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CFPB Report Reveals Decline in College Credit Card Agreements

Credit card agreements becoming more difficult to locate

There has been a nearly 70% reduction in the number of credit card agreements since…

By Sheiresa Ngo

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Lack of Long Term Care Insurance Leaves Women Vulnerable (Part 2)

Are you prepared?

If you’re a woman, chances are you’ll require some long-term financial support when it comes…

By Sheiresa Ngo

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oil

How To Profit from Falling Oil Prices

Oil is the lowest its been since 2009

According to Time.com, oil prices are the lowest they’ve been since 2009 due to “stagnant…

By Essence Gant

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Employees Close to Retirement Wish They Had Saved Sooner

Did you start saving early enough?

Do you find yourself regretting the fact that you didn’t start saving for retirement when…

By Sheiresa Ngo

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(Image: Facebook)

BE Buy Black Holiday Gift Guide: Part Two

Great gifts for the foodie, reader, well-dressed gentleman and more

The Holiday season is officially upon us and that time to exchange gifts will be…

By Essence Gant

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MillenialsMain

Americans Say No to More Holiday Spending Depsite Lower Gas Prices

Americans, with the exception of millennials, shut their wallets despite cheaper gas

Gas prices are on a steady decline. According to USAToday.com, the Energy Department predicts that…

By Essence Gant

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young black family at park

Wealth Gap Widens Between Black and White Households

Wealth disparities between white, black and Hispanic families

As American families recover from the Great Recession’s brutal economic blow, the recovery in white and black households…

By Essence Gant

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EY seeks exceptional women entrepreneurs for its 2014 Entrepreneurial Winning Women™ Program

Four Funding Sources for Women

Going back to school or starting a business may be more realistic than you think

The average cost of a college education and starting a business is $30,000, according to College…

By Essence Gant

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10 Tools You Need to Launch Your Freelance Business

These apps provide time management and can increase your productivity

If you’re ready to join 53 million Americans working as a Freelancer, you should have…

By Kandia Johnson

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NFCC Offers Holiday Financial Checklist

Get your finances in order for the New Year

Have you been financially naughty or nice this holiday season?

By Sheiresa Ngo

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student loan

CFPB Fights Student Debt Relief Scams

Bureau aims to put an end to underhanded practices

Some students seeking debt relief were lured into a sneaky scam.

By Sheiresa Ngo

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Lack of Long Term Care Insurance Leaves Women Vulnerable

Are you covered?

Women are at a higher risk of needing long term care insurance.

By Sheiresa Ngo

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CFPB Announces Consumer Saving Research Project

Bureau aims to help consumers with saving

The CFPB announced a research program that would assess the effectiveness of certain habits designed…

By Sheiresa Ngo

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real-husbands-hollywood-kevin-hart-black-enterprise

Kevin Hart Turns Social Media Fans into Million-Dollar Wins At the Box Office

Check out a breakdown of how he did it with #HustleHart

With over 40 million followers across social-media channels, Kevin Hart used his #Hustlehart work ethic…

By Kandia Johnson

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18% of Consumers Say They’ll Never Get out of Debt

Will you be in debt for the rest of your life?

Do you feel like you’ll be be paying off your mountain of debt forever?

By Sheiresa Ngo

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black woman texting

Study: Generation X Unprepared for Healthcare Costs During Retirement

Are you ready for future healthcare costs?

Generation X is not prepared when it comes to managing healthcare costs during retirement.

By Sheiresa Ngo

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tax tips

Year-End Tax Planning Tips

Use this time to get on the right financial foot

The end of the year is the perfect time to get your taxes in order.

By Sheiresa Ngo

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CFPB Announces New Rules for Medical Debt Collection and Reporting

Bureau cracks down on medical debt reporting practices

If you have an outstanding medical debt on your credit report, then you understand the…

By Sheiresa Ngo

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irs

IRS Releases Updated Standard Mileage Rates

New rates are here

The standard mileage rates are used to figure the deductible costs of using a vehicle…

By Sheiresa Ngo

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identity theft

Tips for National Identity Theft Prevention and Awareness Month

Take steps to protect your identity

Identity theft is the top consumer fraud in the United States, according to the Federal…

By Sheiresa Ngo

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4 Easy Apps To Manage and Track Your Money

Get a great start on the New Year with these resources

The best mobile solutions for your finances can help you monitor your bank account, and…

By Kandia Johnson

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Photo: YouTube

YouTube Paying Top Dollar to Keep Big Stars

Vloggers have all the power

YouTube, an entitiy of Google Inc, is offering its “celebrities” top dollar to sign exclusive…

By Essence Gant

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Credit Cards

Three Things That Trigger a Hard Credit Inquiry

Tips for managing your credit

If your New Year’s resolution is to improve your credit, then you’re probably wondering which…

By Sheiresa Ngo

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Consumer Tip: Teaching Your Children about Philanthropy

Emphasize the importance of giving back

The holidays are an excellent time to teach your children about giving to those who…

By Sheiresa Ngo

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New Scam Lures Consumers with Letters from Santa

That note from the North Pole might bring you a world of trouble

You might want to do something extra special for the kiddos this Christmas, but you…

By Sheiresa Ngo

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5 Smart Gifts To Ask For While You’re Still Young

Save money and get money this Holiday

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Take advantage of your youth. You still have a little time before Mom, Dad, and…

By Essence Gant

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BE Buy Black Holiday Gift Guide: Part One

Gifts from Beyoncé's stylist, Shark Tank cooks and more!

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Despite African-Americans’ $1 trillion buying power, which is expected to reach $1.3 trillion by…

By Essence Gant

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How to Manage Hidden Holiday Costs

Hold on to more of your money

You love the holiday deals but you’re not so in love with those unexpected costs.…

By Sheiresa Ngo

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Medical Billing Provider Settles FTC Charges for Misleading Consumers about Privacy

Your information might not be safe

You might not give a second thought to how your information is going to be…

By Sheiresa Ngo

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Small Business Owners predicate a bounce in Holiday Sales

OneUnited Bank President Teri Williams Talks Holiday Money Management

Take charge of your money for a less stressful New Year

During this time of year, you may be facing a lot of stress when it…

By Sheiresa Ngo

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Five Legal Terms Every Business Owner Should Know

CFPB Takes Action Against Debt Settlement Firm

Bureau steps in to protect consumers

Sometimes debt collectors can be downright sneaky. Thankfully, the Consumer Financial Protection Bureau is here…

By Sheiresa Ngo

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Brian Williams pic

Entrepreneur Provides Resource for ‘Buying Black’

Elevator Pitch finalist Brian Williams' PurchaseBlack.com, provides a place to find black owned businesses.

Purchaseblack.com provides a place to find black businesses.

By Raqiyah Mays

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Close-up of a young businesswoman holding a pair of glasses

Report: Many Women Unprepared for Retirement

More than 20% associated the word “retirement” with insecurity

A number of women experience tremendous anxiety when it comes to preparing for retirement, according…

By Sheiresa Ngo

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How to Save Cash on a Kitchen Remodel

Electrolux’s Julie Fritz shares her tips

If you’re planning to do a kitchen remodel, you’re probably looking for ways to save…

By Sheiresa Ngo

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Image: ThinkStock

WalletHub Releases 2014 Mortgage Insurance Report

Results from this year's report

Personal finance site WalletHub recently unveiled its 2014 Mortgage Insurance Report in an effort to…

By Sheiresa Ngo

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Your partner is a credit fugitive…but there may be hope: The phone rings constantly throughout the day and early evening and your partner refuses to answer.  Or worse, you’re constantly meeting your partner somewhere new because they frequently have a new residence. While financial expert, Harrine Freeman notes such warning signals, she says before rushing to judgment one should attempt to have an open and honest conversation about credit. “In 2010, FICO Inc. showed that 25.5% of consumers—about 43.4 million people—have a credit score of 599 or below,” she states. “Many people have bad credit so don’t jump to conclusions. Find out the whole story before making decision if you want to continue dating them.”

Americans’ Top Financial Priority is Bills

Many Americans' focus is catching up on bills

Americans’ number one money concern is bills or staying current with living expenses for the…

By Essence Gant

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Poll: Consumers Have Post-Recession Spending Itch

Do you have the urge to splurge?

However, NFCC spokesperson Gail Cunningham warns that giving in to the temptation to spend in…

By Sheiresa Ngo

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ValPak 2014 Holiday Survey: Consumers are Shopping Smarter

Are you making wise shopping decisions?

This year, more consumers are focused on shopping smarter and saving money.

By Sheiresa Ngo

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Holiday Tipping: How Much Should You Tip?

Are you giving enough?

You want to show your appreciation for their help, but what dollar amount is appropriate?

By Sheiresa Ngo

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Reports: Sony Refunds Consumers After Misleading Advertisement

FTC busts the tech company for claims involving functions of PS3 and PS Vita

Sony settles charge with FTC and refunds customers after misleading advertisement surrounding the PS Vita…

By Essence Gant

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Nielsen Study: African American Income, Education Exceeds Expectations

Watch out for Dangerous Toys on Store Shelves

Use caution when shopping for children's toys

If you plan to do some holiday shopping for the children in your life, be…

By Sheiresa Ngo

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poverty gap

Book Review: “How The Poor Can Save Capitalism”

How The Poor Can Save Capitalism brings hope to struggling economy

John Hope Bryant is one of America’s most famed empowerment leaders. The founder, chairman and…

By Essence Gant

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Caregivers Spend $20,000 on Loved Ones with Alzheimer’s

Caring.com finds women majority of those looking after relatives with the illness

Family caregivers spend $20,000 or more a year on loved ones with Alzheimer’s according to…

By Essence Gant

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Watch out for Holiday Shopping Scams

Don't get fooled by fraudsters

You’re likely preparing to do some serious shopping this holiday season, but you need to…

By Sheiresa Ngo

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Teaching Kids about Holiday Shopping

Help your kids become better consumers

During this time of year, your children may be asking about giving holiday gifts to…

By Sheiresa Ngo

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Get Ready for Giving Tuesday

Be cautious when giving to charity

This time of year might put you in the giving mood. Luckily for you, the…

By Sheiresa Ngo

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Nielsen Study: African American Income, Education Exceeds Expectations

Survey: Consumers Likely to Rein in Holiday Spending

Will you be doing some belt tightening?

If you’re planning to cut back on holiday spending, you have some company.

By Sheiresa Ngo

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(Image: ThinkStock)

Holiday Tips: 3 Ways to Shop via Instagram

These social-media linked apps will make getting the perfect gift that much easier

Some of our favorite designers and bloggers are adding more power to our fingertips by…

By Kandia Johnson

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Decoded: Top Celebrity-Owned Liquor Brands

Check out a breakdown of entertainers who raised the bankability of spirits

Image: Wikipedia
Celebrities and liquor endorsements have been synonymous since the days of Prohibition, and in…

By Kandia Johnson

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Holiday Shopping: Get Ready for Goodshop Sunday

Yet another shopping day to gain savings and give back

You’re familiar with Black Friday and Cyber Monday, but you most likely haven’t heard about…

By Sheiresa Ngo

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Etiquette Tips for Black Friday

Tips for maintaining your composure while shopping for deals

Just because the “deal of the century” is within your grasp, does not give you…

By Sheiresa Ngo

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irs

IRS Offers Tips for Year-End Gifts to Charity

Familiarize yourself with updated rules for charitable donations

If you’re in the giving spirit and planning to make a few gifts to charity,…

By Sheiresa Ngo

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Score Holiday Deals on Twitter

Snag discounts on social media

Many stores advertise special discount codes for the holiday on their Twitter feed.

By Sheiresa Ngo

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AngryYoungWomanComputerNewsLetter

How to Get Rid of Junk Mail and Telemarketers Once and For All

Stop annoying emails and phone calls for up to five years or forever

Get rid of junk mail and telemarketers with these quick and easy steps.

By Essence Gant

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Decoded: 6 Made-For-TV Biopics and Why We Loved (or Hated) Them

As the public awaits the Whitney Houston film, check out this breakdown of past hits

With Lifetime’s Whitney Houston set to debut in 2015, here’s a breakdown of six other…

By Kandia Johnson

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Deck the Halls With Savings: 5 Tips to Slash Your 2014 Tax Liability

Before you ring in the New Year, take a look into last-minute savings

‘Tis the season to be jolly, but don’t forget about those last-minute tax strategies you…

By Marquita Miller

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Updates to Flexible Spending Accounts for 2015

Changes coming for next year

Be aware that Flexible Spending Accounts are going through a few changes next year.

By Sheiresa Ngo

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Photo: Apartment Therapy

Ways to Save When Finding Your First Apartment

Cut costs when finding your first apartment

Photo: Apartment Therapy
If ever in your teenage years you mumbled, “I can’t wait to get…

By Essence Gant

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5 Ways to Market Your Business for the Holiday Season

ICBA Urging Local Shopping for Holidays

Organization advocating for consumers to keep the money in communities

Community banks and the ICBA encourage local shopping for the holiday season.

By Essence Gant

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NFCC Warns Against Holiday Overspending

Don't break the bank this holiday season

Just because something is on sale doesn’t mean you have to buy it. This is…

By Sheiresa Ngo

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CFPB Proposes Expanded Foreclosure Protections

New rules offer assistance to home owners

In an effort to address unsatisfactory mortgage servicing practices, the CFPB introduced rules that would…

By Sheiresa Ngo

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Study: Men and Women Equally Guilty of Impulse Shopping

The need to for instant gratification gets the best of us all

A CreditCards.com report reveals that three in four adult Americans have made impulse purchases.

By Essence Gant

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seniors-smiling-couple

How to Use Life Insurance To Protect Your Wealth

Find the right policy to ensure security at any age

Being financially prepared for a breadwinner’s death saves families from the added grief of losing…

By Cliff Hocker

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Woman Shares How She Dug out of $50,000 Worth of Debt (Part 3)

Author shares how she assists college students with money management

If you want to get a handle on your debt, you’ll have to commit to…

By Sheiresa Ngo

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student loan

Wells Fargo to Provide Student Loan Modifications

Some private student loan borrowers will get relief

Eligible borrowers will be reviewed and approved on a case-by-case basis.

By Sheiresa Ngo

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Why Do 1 in 4 Women Take a Backseat When it Comes to Finances?

Fidelity's Kristen Robinson weighs in

Roughly 1 in 4 women are not taking part in household financial decision making.

By Sheiresa Ngo

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black-woman-shopping

The Do’s and Don’ts of Regifting Holiday Presents

Here's how not to offend your friends and family this holiday

One way to save some cash this holiday season is to regift unwanted items.

By Sheiresa Ngo

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Millennials and Money: The True Cost of Specialty Coffee

Stop drinking your money

Try adding up all your coffee purchases for just one week and see how much…

By Sheiresa Ngo

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Woman Shares How She Dug Out of $50,000 Worth of Debt (Part 2)

Tips for getting back on the right financial track

Are you part of the “microwave generation?” Do you expect everything now? Be careful, you…

By Sheiresa Ngo

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(Image: Thinkstock)

Living Single: 5 Easy Money-Saving Tips for Young Adults

What other money saving tips can you think of? Share below

Living single in your 20′s? Help maximize your funds by trying these five easy money…

By Essence Gant

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Image: Instagram

My Fab Finance’s Tonya Rapley Celebrates Black Enterprise Cover

Rapley uses networking celebration event to educate millennials on finances

Black Enterprise October cover subject, Tonya Rapley, host celebration event in New York City.

By Courtney Connley

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money and love

AXA Advisors’ Ainka Munroe Talks Women, Money and Divorce (Part 2)

Pay attention to your finances as much as your heart

Munroe offers her insights on how women can take control of their financial destiny no…

By Sheiresa Ngo

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BBB Offers Tips for Holiday Shopping

Here's how you can get the most out of your purchases

Black Friday, Small Business Saturday, and Cyber Monday are sure to yield some great deals.…

By Sheiresa Ngo

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Ja'Net Adams updated-headshot-2

Woman Shares How She Dug Out of $50,000 Worth of Debt

Tips for getting back on the right financial track

A few weeks ago we shared with you how David Bakke, a financial contributor for…

By Sheiresa Ngo

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(Image: Thinkstock)

How to Plan a Wedding on a Budget

'I do' doesn't have to mean going broke

When planning your nuptials, you don’t have to go broke. Here’s how to plan a…

By Kenny Pugh

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Survey: 45% of Couples Think They’d Be Richer if They Were Single

Will you have more money if you lose the dead weight?

Gender and age play a role in one’s opinion on whether staying single or coupling…

By Sheiresa Ngo

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Interest.com’s Mike Sante Talks Home Ownership

Expert discusses future of The American Dream

Housing prices have risen far faster than household income, making it more difficult for middle…

By Sheiresa Ngo

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NFCC Offers Tips for Covering Holiday Expenses

Foundation provides tools to help you keep more cash in your pocket

Last year, holiday shoppers spent an average of $407 during the Thanksgiving weekend.

By Sheiresa Ngo

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black woman texting

Fidelity Study: 1 in 4 Women Don’t Take the Lead When it Comes to Finances

Don't let your lack of confidence hold you back

Many women will become the sole financial decision maker at some point in their lives.…

By Sheiresa Ngo

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Home Ownership Out of Reach for Many Americans

The American Dream is becoming less attainable

Many Americans are having difficulty affording the price of home ownership.

By Sheiresa Ngo

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seniors-smiling-couple

How to Manage Finances for Senior Family Members

Finance leader Carla A. Harris shares insights on healthcare and cost-of-living planning

Finance leader Carla A. Harris shares how to manage finances for the elderly.

By Raqiyah Mays

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coupleoutonadate

AXA Advisors’ Ainka Munroe Talks Women, Money and Divorce

Pay attention to your finances as much as your heart, consultant says

Divorce can have an impact on not only your heart, but also your wallet. A…

By Sheiresa Ngo

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NFCC Unveils Updated Website with Enhanced Financial Education Tools

Foundation offers refreshed site and engaging resources

The NFCC recently announced a refreshed website with new tools to help increase financial literacy.…

By Sheiresa Ngo

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MONEY

Study: Student Debt and the Class of 2013

Students are attempting to dig themselves out of debt.

The Project on Student Debt at the Institute for College Access & Success (TICAS) released…

By Sheiresa Ngo

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Net neutrality protest washington

Why Everyone Should Care About Net Neutrality

The battle for how data across the Web and access to it is handled rages on

With President Obama in support of net neutrality and the Internet as a utility, now…

By Patrick Austin

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One Third of Part-Time Workers Are Struggling to Find Full-Time Work

A recent study by CareerBuilder shows many still having difficulty

A nationwide survey was conducted by CareerBuilder online, which took samples from 301 U.S. part-time…

By Cristie Leondis

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Decoding a Pop Culture Legend: Pharrell Williams

The style icon says his ingredients for success are quite simple

Pharrell Williams is a legendary hit-maker and collaborator at the intersection of music and fashion.…

By Kandia Johnson

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piggy-bank

Bankrate.com’s Greg McBride Talks Consumer Spending

Bankrate.com's analyst explains why consumers are leery

Two-thirds of Americans are reducing their monthly spending. One of the main reasons is, for…

By Sheiresa Ngo

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money

The Best Times of the Year to Snag a Deal

You can score a great deal if you know when to shop

Savings.com collected and analyzed shopping data from 2009 to 2013 to help you decide the…

By Sheiresa Ngo

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Image: Maya Elious

Entrepreneur Offers Mobile Money Advice

Finance coach Marsha Barnes provides services on the go

The Finance Bar is a premier mobile hub offering an array of personal finance products…

By Sheiresa Ngo

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mortgage-money

Infographic: Consumers Prefer Root Canal Over Over Mortgage

Would you prefer a trip to the dentist over applying to buy a home?

A recent study finds that most consumers say they would prefer to get a root…

By Sheiresa Ngo

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Image: Consumer Product Safety Commission

Product Recall: McDonald’s Hello Kitty Happy Meal Toy

Commission finds toy poses a choking hazard

The Consumer Product Safety Commission recalled 2.3 million whistle toys placed inside McDonald’s Happy Meals…

By Sheiresa Ngo

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Shawn Thompson2

Lincoln Motors’ Shawn Thompson Talks Philanthropy and Alpha Phi Alpha Win

The car company believes in giving back

BlackEnterprise.com chatted with Shawn Thompson, manager of Lincoln multicultural marketing, for more information about this…

By Sheiresa Ngo

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Credit Cards

Credit Card Penalty Rate Drops Slightly

Consumers get a small break

The survey found that 60 out of the 100 cards in the survey have some…

By Sheiresa Ngo

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old-black-couple-smiling

Consumer Tip of the Day: Protect Elderly Veterans from Financial Abuse

Guard older consumers from fraudsters

Be very leery if the caller asks you to wire funds or send personal information.…

By Sheiresa Ngo

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Mom-With-Kids-300x232

How to Teach Children About Money

Author Sabrina Lamb offers advice on starting money management training early

Author and financial expert Sabrina Lamb teaches parents how to teach children about money management.

By Raqiyah Mays

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Image: Thinkstock

Survey: African Americans Put Family First When Making Financial Decisions

Who influences your money choices? Voice your opinions on key financial topics below

The presence or absence of a sound financial foundation directly impacts overall well-being.

By Sheiresa Ngo

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irs

Take Advantage of the Saver’s Tax Credit

Don't miss out

One advantage of the saver’s credit is that it can increase your refund or reduce…

By Sheiresa Ngo

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7 SAVINGS ACCOUNT QUESTIONS  	1. Does this account fit my banking habits?  	Just like with a checking account you have to ask yourself (and the prospective bank) similar questions: Do you prefer meeting face-to-face with a teller or quick transactions online? How often do you tap into your savings, if at all? Do you prefer setting up automatic withdrawals or managing your account with a passbook? Your personal preference(s) play a major part in selecting a bank.

Bank of America’s Andrew Plepler Talks Khan Academy Partnership

Executive discusses importance of financial education

BlackEnterprise.com caught up with Andrew Plepler, Global Corporate Social Responsibility and Consumer Policy executive at…

By Sheiresa Ngo

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Beyond the Game: Michael Strahan’s Money and Power Moves

Football star turned TV host talks career transitions and brand

Michael Strahan, former defensive end for the New York Giants, is no stranger to the…

By Kandia Johnson

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MONEY

Man Who Dug His Way Out of $30,000 Debt Shares Advice

Four steps to getting back on the right financial track

Debt can slowly creep up on you until it suddenly gets out of control.

By Sheiresa Ngo

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Bank of America and Khan Academy Team Up

The website offers a customized financial education experience

Close to 70% of Americans say money is a major cause of stress.

By Sheiresa Ngo

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Debt Collection Practices a Top Complaint for Older Americans

Seniors are fed up with debt collectors

Older Americans voiced more complaints about debt collection than any other financial product or service.

By Sheiresa Ngo

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money

Consumer Tip of the Day: Enjoy a Luxury Suite Experience for Less

You can enjoy the luxe life without breaking the bank

Book an entire suite or an individual seat in a suite–no annual lease required.

By Sheiresa Ngo

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Cyber Crimes Top Consumers’ List of Fears

Many are spooked by potential identity theft

A Gallup study finds consumers fear getting their identity hacked more than any other crime…

By Sheiresa Ngo

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irs

Report Changes Affecting Your Premium Tax Credit Before It’s Too Late

There's still time to let the IRS know about changes

Make sure your information is up-to-date because inaccuracies could result in receiving too much or…

By Sheiresa Ngo

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Thanksgiving Shopping: Kmart to Stay Open 42 Consecutive Hours

It's a holiday. Why stay home?

Kmart will open at 6:00 a.m. on Thanksgiving morning and stay open late for your…

By Sheiresa Ngo

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Consumer Tip of the Day: Free Car Seat Inspections in November

Ensure your children are secure during National Child Safety Month

Even if you think your child is properly strapped in, it doesn’t hurt to be…

By Sheiresa Ngo

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car insurance

Infographic: Pre-Sale Car Fixes to Help You Get More Money Back

A few upgrades can mean more money in your pocket

Simple fixes could make a world of difference.

By Sheiresa Ngo

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Veteran Women and Spouses

NFCC Announces Financial Programs for Military Members

Servicemen and women will get the help they need

The organization has decided to make these programs available in light of recent results from…

By Sheiresa Ngo

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Economics Of LeBron: How He Became 6th Man For City Of Cleveland

James' return to Cleveland is a big assist to the City's economy

Lebron James’ return to Cleveland is a big assist to the City’s economy. Here’s how.

By Richard Spiropoulos

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jamaica island beach

CTO Launches 2014 Tourism Trends Report

Publication provides insight into global travel habits

CTO launches the 2014 Trends & Insight Report at the World Travel Market, providing insight…

By Cristie Leondis

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Study Reveals Some IRA Investors Take an Extreme Approach

An all-or-nothing approach is preferred by some investors

Roughly 56% of IRA owners had either all of their IRA money in equities or…

By Sheiresa Ngo

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Infographic: The Meaning of Investment

Your daily money bite

Did you know that the term “investing” has origins dating back to the 1600s?

By Sheiresa Ngo

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student loan

Infographic: What You Could Buy with the Nation’s Student Loan Debt

What could you purchase with $1 trillion?

According to the Consumer Financial Protection Bureau, total student loan debt is more than $1.2…

By Sheiresa Ngo

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Starbucks to Offer Delivery

Get caffeine at your door

Starbucks is working to make your coffee experience so effortless, you’ll barely have to speak…

By Sheiresa Ngo

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Product Recall: Tectron International Phone Chargers

This device could catch fire

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If you’re like most people, your cell phone charger is like a life line.…

By Sheiresa Ngo

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Infographic: Don’t Let Winter Heating Bills Burn Your Budget

Tips for saving money while staying warm

The cost of replacing windows and insulation can hit your wallet pretty hard.

By Sheiresa Ngo

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How Millennials Can Score in the Game of Wealth Building

Conserve your cash, increase your financial acumen, and invest money in vehicles that produce solid long-term returns

Millennials, when should you start planning for your financial future? Today. Here’s how.

By Earl "Butch" Graves Jr.

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Merrill Lynch Study Explores Impact of Health on Retirement

Poor health can ruin your wealth

Poor health can mean significant retirement challenges, so staying in top condition is important.

By Sheiresa Ngo

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Randal Pinkett and Lynnette Khalfani-Cox Join Financial Freedom Conference

Rev. DeForest Soaries' event teaches and empowers about healthy financial habits

Randal Pinkett and Lynnette Khalfani-Cox are featured speakers at this year’s dfree® Financial Conference, kicking…

By Raqiyah Mays

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10 Ways To Protect Your Mobile Payments

Follow these steps to protect yourself financially

With the announcement by Apple Inc., millions of Americans can now begin using a new…

By Carolyn M. Brown

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TIAA-CREF’s Sean Wilson Talks Millennials and Money (Part 2)

The wealth advisor explains how young people approach money

Roughly 47% of millennials, compared with 19% of the general population, look to Mom and…

By Sheiresa Ngo

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irs

IRS Increases Retirement Contribution Limits

Savers can save even more

There is terrific news for all of you investors out there. The Internal Revenue Service…

By Sheiresa Ngo

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TIAA-CREF Financial Expert Sean Wilson Talks Millennials and Money

The wealth advisor explains how young people approach money

Roughly 47% of millennials, compared with 19% of the general population, look to Mom and…

By Sheiresa Ngo

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Never Too Early to Plan: 5 Ways Millennials Can Build Wealth for the Future

Tips for getting young professionals prepared for retirement

It’s never too early to start planning for your future. One financial educator and consultant…

By Courtney Connley

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Best Metro Areas for Budgeters

How do you compare?

WalletHub.com released a study outlining the metropolitan areas with the best and worst track record…

By Sheiresa Ngo

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Some Consumers Treat Checking Account Like a Payday Loan

Are you using overdraft as a piggy bank?

Just 8% of bank customers are responsible for roughly 75% of all overdraft fees.

By Sheiresa Ngo

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Most Consumers Fear Running out of Money

Are you afraid of going broke?

If you want to get a handle on your debt, you’ll have to first identify…

By Sheiresa Ngo

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ICBA Study: Millennials Value Community Banks, Want to Be Bosses

New research analyzes opinions and values of generation Y

Roughly 46% of the respondents reported that they are interested in learning the process of…

By Sheiresa Ngo

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Money Advice for the Sandwich Generation

Don't let competing demands ruin your retirement plans

Many Sandwichers say their adult children pose more of a financial strain than their parents.…

By Sheiresa Ngo

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MONEY

Watch out for Ebola Charity Scams

Don't let your hard-earned cash slip through your fingers

The Federal Trade Commission warns that scammers are ready and waiting to take advantage of…

By Sheiresa Ngo

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retirement

Tips for Embarking on an Encore Career

Advice for your second act

About 52% have fully retired from the workforce, up from 45% in 2011. However, some…

By Sheiresa Ngo

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student loan debt

Report: Private Student Loan Borrowers Driven into Default

New report shows borrowers struggle to get help

Some borrowers say they don’t receive enough information or assistance from lenders and servicers when…

By Sheiresa Ngo

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Seniors Struggle to Replace Pre-Retirement Income

Older Americans in 49 of 50 states have trouble making ends meet

Across the nation, those age 65 and older have a median annual income that is…

By Sheiresa Ngo

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How to Run Your Home More Like a CEO

4 tips for time & budget management from a business development expert

All successful CEOs have one thing in common: They’re able to maintain a big-picture perspective.…

By Carolyn M. Brown

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MONEY

Infographic: Are You Taking on Too Much Student Loan Debt?

Don't dig yourself into a debt hole

Student loan debt is at an all-time high. In fact, nearly 11% of all student…

By Sheiresa Ngo

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[SURVEY] How Does Your Wealth Management Measure Up?

Voice your insights on key financial topics for your household below

Massachusetts Mutual Life Company (MassMutual) took an in-depth look at African American household finances to…

By Sheiresa Ngo

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student loan

10 Worst States for Student Loan Debt

Is your state one of them?

Personal finance website Wallet Hub recently conducted a study highlighting the best and worst states…

By Sheiresa Ngo

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scam

Scammers Take Advantage of Ebola Scare

Don't let fear cause you to lose your common sense

The FTC and FDA are making it clear that unsubstantiated claims will not be tolerated.…

By Sheiresa Ngo

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Women of Power

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Quality Connections: How to Use Social Media to Advance Your Professional Brand

Black Enterprise Women of Power Summit panelist LC Johnson teaches women how to brand themselves…

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Legacy Award Honoree: How Charlayne Hunter-Gault Helped Desegregate Schools

Legacy Award recipient and journalist Charlayne Hunter-Gault was one of the first blacks to desegregate…

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