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4 Apps to Boost Your Score “Our Black Year” Rewarded for Loyalty IRS2Go 2.0 Places Tax Help at Your Fingertips Know Your Renter’s Rights Your Get-Out-of-Debt Checklist 12 Financial New Year’s Resolutions for 2012 To Sue or Not To Sue? What Kim Kardashian Can Teach You About Filing a Lawsuit 5 Ways to Maximize Coupon Campaigns Holiday Scams and How to Avoid Them Ask the Money Coach: 10 Easy Ways to Save Money on Gas for Your Car Attention Layaway Shoppers: 8 Tips to Know Before Using Layaway How to Use Coupons for Big Savings Recovering From Bank Fraud The DOs and DON’Ts of Charitable Giving How to Dump a Vacation Timeshare You Don’t Want When a Relative Dies and You Can’t Afford the Funeral Don’t Let Your Car Note Drive You Crazy 3 Reasons You Should Consider Buying Identity Theft Insurance 9 Most Irritating Bank Fees and What to Do About Them Credit Counseling Myths and Reality How to Make the Most Out of Groupon and Daily Deal Sites 6 Signs Your Extreme Couponing Has Gotten Too Extreme 6 Ways to Save Big on Back-to-School Shopping The Right Way to Use Coupons for Big Savings 3 Ways to Get Your Warranty Extended for Free Facebook to Offer Consumer Deals What to Buy in July What You Need to Know about Co-signing on a Loan Moving Soon? Be Careful Thieves Don’t Move with Your Identity Will the Consumer Financial Protection Bureau Do Any Good? Beware of Cross-selling Tactics How to Get the Most For Your Dollar When Traveling Abroad How to Score a Summer Vacation Deal! 5 Ways to Protect Your Mail from Identity Theft Consumer Alert: Watch out for Tax-Related ID Theft How Not to Get Scammed by Movers 3 Mobile Apps That’ll Help You Find the Cheapest Gas Prices Business Credit Cards Might Put Your Personal Credit at Risk Pay Your Bills…With a Gift Card Why Facebook’s New Offer Is Kind of a Big Deal 3 Things to Do if You Can’t Pay a Large Tax Bill 3 Things to Do Before You Start Banking From a Smartphone 4 Ways to Prevent Debt Collectors from Contacting You on Facebook Your Wallet: A Loser’s Manual Should Debt Collectors Use Facebook to “Poke” You? 4 Circumstances that Qualify You for a Free Credit Report Websites That Save You Money What to Buy in March What to Buy in February Keep Track of Recalls You the Consumer Have the Power How to Negotiate the Best Deal on a New Car Love & Money: Are You Legally Responsible for Your Stepchildren? Rental Payments Will Count Toward Credit History Save For a Rainy Day! Minorities Don’t Drive Green: 4 Ways Obama Can Change That 12 Things Every Entrepreneur Needs to Succeed in Marketing Surprise! The IRS Counts Forgiven Debt As Taxable ‘Income’ Love & Money: Online Dating Financial Scams What to Do If You’re Contacted about an Expired Debt The Statute of Limitations on Debt New Bank Fees? No Problem. You Can Still Get Free Checking 4 Things You Might Not Know About Credit 4/11: Leaders of the New School ‘Tis the Season to ‘Buy Black’ Your Get-out-of-Debt Checklist Opinion: Student Loans Should NOT Be Discharged in Bankruptcy Get Your Tax Credit Before It’s Too Late! Opinion: All Student Loans Should Be Discharged in Bankruptcy POLL: Payroll Debit Card or Paper Check? How to Get a Free TV SLIDESHOW: What to Look for When Buying Electronics on Black Friday Traveling? Know Your Rights When it Comes to Pat-Downs and Body Scanners 7 Ways to Profit on Small Business Saturday How Not to Go Broke on Black Friday Is Your Spouse Guilty of Financial Infidelity? Chase Waives Foreign Transaction Fees Credit Reporting Myths Exposed 4 Credit Reporting Myths and Realities How to be Frugal AND Fabulous The 7 Deadly Sins of Money Management 6 Financial Deadbeats to Avoid Do Money Disorders Exist? Could You Have a Money Disorder? How to Keep Up With Product Recalls Four Behaviors That Could Destroy Your Finances Tools to Curb Holiday Spending 5 Ways to Save Money in a Divorce Shopping Insider: Shopping While Black Love & Money: Managing Debt as a Couple Money Expert Q&A: How to Have Perfect Credit Shopping Insider: Stick To a List to Save Time And Money Managing Credit: How to Prove You’re Not Dead Shopping Insider: Don’t Let Your Gift Cards Go to Waste Kids & Money: Dollar Savvy Apps for Kids Shopping Insider: Online Labor Day Deals 5 Things You Should Know If Your Bank Fails Shopping Insider: Are You Addicted to Spending? Money Basics: How to Handle a Bank Error Economista: 5 Secrets to Getting Free Phone Service Shopping Insider: 5 Web Sources for Back-to-School Deals Fight Medical Billing Errors What the Future Holds for Consumers Cutting Edge: The Science of Booking Last-Minute Flights Help! I Can’t Open a Checking Account! On Standby: New Airline Passenger Rules Find the Best Summer Travel Deals for Your Family Get Ready for Changes to Your Debit Card Oil Spill Cleanup Scams Ask Your Advocate: Charge, Credit, Debit—What’s The Diff? Who Should Have Your Social Security Number? iPhone Apps that Save You Money Steer Clear of Moving Scams Cutting Edge: 9 Tweeters for the Cost-Conscious When Identity Theft Hits Close to Home Ask Your Advocate MasterCard Opens Online Store Cash for Clunker Appliances: Time is Running Out Ask Your Advocate: Protecting Your Identity While Shopping Cyberwise: How to Choose an E-Reader Beware of Census Scams Protect Your Privacy Six Ways to Save Navigating the Abyss of Airline Customer Service Cutting Edge: Check Yourself with Self-Checkout Ask Your Advocate: Winter Heating Bill Woes Credit Card Reform Starts Today Get Ready For The New Credit Card Rules Cutting Edge: Move Your Money What to Know Before You Donate to Haitian Relief 3 Things to Know About Debt Collectors Auto Financing or Bust Check Yourself Before You Wreck Yourself I’m Not Rosa Parks. He’s Not Dr. King. How Healthcare Reform Affects You My Powerful Life As Mrs. Buy-Black America Five Need-to-Know Tips Before Closing Your Checking Account Your Back to School Shopping — Made Affordably Easy Our Choice: To Empower Banking on Our Own Oh, the Mumbo-Jumbo The Cutting Edge: Why I Paid $180 for an $80 Auto Repair ‘One Size Does Not Fit All’ FCC to Hold ‘Soft Test’ for DTV Transition A Random Walk Down Wall Street (With Protesters) Fools Gold? The Cutting Edge: ‘Just in Case’ Recession Specials The Cutting Edge: Recession Specials The Cutting Edge: Beware of Stimulus-Related Scams

Money > Consumer Affairs

Michael Nolen (Photo by Quantrell D. Colbert)

4 Apps to Boost Your Score

Michael Nolen was unhappy with his credit report. It was back in 2010 when the…

By Bridget McCrea

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our black year

“Our Black Year”

The story of one family’s mission to buy black

A little more than three years ago, John and Maggie Anderson decided to spend more…

By Alfred Edmond, Jr.

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02Money-V-Ashford1a

Rewarded for Loyalty

Using rewards programs to save money

Victoria Ashford is a maven of reward and cash-back programs.

By Bridget McCrea

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Overall Satisfaction among Small Business Banking Customers Drops

IRS2Go 2.0 Places Tax Help at Your Fingertips

The Internal Revenue Service app now offers a YouTube feature, news feed and tax transcript service for Android and iPhone (iOS) users

The latest version of the Internal Revenue Service’s tax app IRS2Go 2.0 is available…

By Sheiresa Ngo

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Rachel Mixon (Photo by John Bashian)

Know Your Renter’s Rights

Learn how to protect yourself in landlord–tenant disputes

In February 2010, Rachel Mixon of Cleveland was disgusted to find sewage seeping into her…

By Tamara E. Holmes

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Take control of debt. “The rich rule over the poor, and the borrower is servant to the lender.” —Proverbs 22:7

Your Get-Out-of-Debt Checklist

A new year is upon us and, according to Experian, the average consumer owed more…

By Sheiresa Ngo

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If one of your New Year’s resolutions for 2012 is to improve your finances in some way, join the club.

According to a survey from TD Ameritrade, 73% of Americans will make at least one money-related New Year’s resolution. Regardless of your current economic circumstances, here are 12 crucial and doable financial goals worth putting on your list of New Year’s resolutions for 2012 – along with some tips and resources to ensure your financial success.---Lynnette Khalfani-Cox, Askthemoneycoach.com

12 Financial New Year’s Resolutions for 2012

Money Coach Lynnette Khalfani-Cox tells you 12 easy steps to get your money matters in order for 2012!

Money Coach Lynnette Khalfani-Cox tells you 12 easy steps to get your money matters in…

By Lynnette Khalfani-Cox

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Kim-Kardashian-Kris-Humphries-300x232

To Sue or Not To Sue? What Kim Kardashian Can Teach You About Filing a Lawsuit

What you need to know before threatening to sue

Money coach Lynnette Khalfani-Cox tells you what you need to know before filing a lawsuit

By Lynnette Khalfani-Cox

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coupons

5 Ways to Maximize Coupon Campaigns

Consumers are inundated these days with special offers including online codes and social coupons. For…

By Carolyn M. Brown

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(Image: Thinkstock)

Holiday Scams and How to Avoid Them

What the (real!) Better Business Bureau wants you to know about this familiar holiday scam

Money Coach Lynnette Khalfani-Cox warns of the holiday scam the Better Business Bureau wants you…

By Lynnette Khalfani-Cox

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man-driving-car-111111-300x232.jpg

Ask the Money Coach: 10 Easy Ways to Save Money on Gas for Your Car

Tips on how to cut costs at the gas pump

Save money on gas prices with tips from Money Coach Lynnette Khalfani-Cox

By Lynnette Khalfani-Cox

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black-woman-shopper-300x232.jpg

Attention Layaway Shoppers: 8 Tips to Know Before Using Layaway

Why you need read the fine print before committing to that purchase

Money coach Lynnette Khalfani-Cox tells what you need to know before you commit to putting…

By Lynnette Khalfani-Cox

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coupons

How to Use Coupons for Big Savings

The process can be worth the time and investment

Do you see people in line at the supermarket handing over a stack of coupons…

By Sheiresa Ngo

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Patricia Washington  (Photo by Alex Jones)

Recovering From Bank Fraud

What to do if your bank account is wiped out

Last October, Patricia Washington’s doctor’s office informed her that her debit card payment for the…

By Leslie E. Royal

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Layla Doman

The DOs and DON’Ts of Charitable Giving

Give with your heart, but don’t forget to use your head

Layla Doman donates to a range of charities. This helped the Washington, D.C., resident lower…

By Tory Parrish

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timeshare.jpg

How to Dump a Vacation Timeshare You Don’t Want

Here are some strategies to unload or manage a timeshare you no longer want or simply can’t afford

Here are some strategies to unload or manage a timeshare you no longer want or…

By Lynnette Khalfani-Cox

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mourning-300x232.jpg

When a Relative Dies and You Can’t Afford the Funeral

The Money Coach tells you what to do if a relative passes away and the burial costs are out of your budget

Money Coach Lynnette Khalfani-Cox tells you what to do if a relative passes away and…

By Lynnette Khalfani-Cox

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black-man-driving-car-300x232.jpg

Don’t Let Your Car Note Drive You Crazy

Four ways to deal with overdue car payments or other issues when you’re struggling to pay for your vehicle

Money Coach Lynnette Khalfani-Cox gives four ways to deal with overdue car payments or other…

By Lynnette Khalfani-Cox

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identity-theft-300x232.jpg

3 Reasons You Should Consider Buying Identity Theft Insurance

You'd be surprised by the people you know who have victims of identity theft. Here's how and why you should protect yourself

You’d be surprised by the people you know who have victims of identity theft. Here’s…

By Lynnette Khalfani-Cox

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Cashing it In
Ever feel like your feeding a slot machine when pouring all your change into a coin-counter? Perhaps that's because your bank is taking a cut from your cash. The standard fee is 5 percent of the total amount converted.

What you can do: Don't wait until you have bags and bags of loose change before wrapping them in paper rolls. Instead, pick up the empty paper coin tubes at your bank and wrap as you go.

Andrea Woroch is a nationally recognized consumer and money-saving expert for Kinoli, Inc.

9 Most Irritating Bank Fees and What to Do About Them

Useful tips to help you cope with rising bank fees and constant changes

Black Enterprise explores the 9 most irritating bank fees and what can be done about…

By Andrea Woroch

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credit cards

Credit Counseling Myths and Reality

Knowing the truth can help you make the best decisions about your finances

If you’re struggling to keep up with your credit card payments, credit counseling is probably…

By Sheiresa Ngo

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(Image: Thinkstock)

How to Make the Most Out of Groupon and Daily Deal Sites

Getting a good deal is one thing; being a "shopping fool" who gets scammed is another. Here's how to play it smart

Getting a good deal is one thing; being a “shopping fool” who gets scammed is…

By Lynnette Khalfani-Cox

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coupons

6 Signs Your Extreme Couponing Has Gotten Too Extreme

Don’t let your coupon behavior become obsessive

Saving money is always a plus but when your obsession with clipping coupons borders on…

By Sheiresa Ngo

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(Image: Thinkstock)

6 Ways to Save Big on Back-to-School Shopping

Whether you’re shopping for a kindergarten tyke or a college kid, here are a few tips on how to get the best deal

Whether you’re shopping for a kindergarten tyke or a college kid, here are a few…

By Sheiresa Ngo

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Money-Cash-Black-Enterprise-Business-Large

The Right Way to Use Coupons for Big Savings

The process can be worth the time investment to cut costs

Here are four tips on how to work those coupon savings in your favor.

By Sheiresa Ngo

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warranty

3 Ways to Get Your Warranty Extended for Free

Don’t pay if you don’t have to

Extended warranties are expensive. Extra coverage on a new car, for instance, can cost an…

By Sheiresa Ngo

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facebook

Facebook to Offer Consumer Deals

If you thought the folks over at Facebook were done making changes, you’re wrong.

By Sheiresa Ngo

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WhatToBuyIn

What to Buy in July

July is chock-full of bargains.

By Sheiresa Ngo

Posted:
co-sign-loan-300x232.jpg

What You Need to Know about Co-signing on a Loan

When friends and family ask you to co-sign on a loan you might think you’re doing them a favor, but you’re actually entering into some risky business.

If you decide to co-sign on a loan for someone, there is a three out…

By LaToya M. Smith

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Couple moving

Moving Soon? Be Careful Thieves Don’t Move with Your Identity

A lot goes into moving, and often times identity protection is not top of mind. Here's how to protect yourself during the transition

A lot goes into a big relocation, and often times identity protection is not top…

By Lynnette Khalfani-Cox

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new-home-owners-300x232.jpg

Will the Consumer Financial Protection Bureau Do Any Good?

New agency aims to have your back when dealing with financial institutions

On July 21, consumers will officially have a new watchdog in the form of the…

By Sheiresa Ngo

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Woman-on-phone

Beware of Cross-selling Tactics

Before you buy this with that, make sure you're getting what you need; not just what they sell you

When you’re at the store getting ready to purchase an item, don’t automatically be lured…

By Sheiresa Ngo

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international-travel-couple-070511-300x240

How to Get the Most For Your Dollar When Traveling Abroad

Smart travel tips to help you save before and during your trip

Money columnist Lynnette Khalfani-Cox gives you smart travel tips that will help you save before…

By Lynnette Khalfani-Cox

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family vacation

How to Score a Summer Vacation Deal!

Kick off the summer travel season with a sweet deal

You don’t have to break the bank to enjoy a fun, satisfying summer vacation. There…

By Sheiresa Ngo

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3 Tips for Getting Your Direct Mail Marketing Letters Read

5 Ways to Protect Your Mail from Identity Theft

Don't let sensitive information get into the wrong hands

Mail theft is one of the top ways that people’s identities are compromised. But there…

By Sheiresa Ngo

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M

Consumer Alert: Watch out for Tax-Related ID Theft

See what steps you can take to protect yourself

You’ve filed your taxes, dropped the forms in the mail, and now you’re breathing a…

By Sheiresa Ngo

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Moving-In-300x232

How Not to Get Scammed by Movers

Moving season is around the corner. Be sure follow these tips to protect yourself from movers who mean you harm

Summer is just around the corner, and moving season will soon be in full swing.…

By Sheiresa Ngo

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Looking-for-Gas-300x232

3 Mobile Apps That’ll Help You Find the Cheapest Gas Prices

With gas prices on the rise, getting the most out of your tank is a must. Don't worry there's an app for that!

To help you manage the rising price of gas, I recommend these three mobile apps…

By John Simons

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Credit-Card-Statement-300x232

Business Credit Cards Might Put Your Personal Credit at Risk

Business never personal, except when it comes to the company credit card as the CARD Act has left small business owners unprotected

The Pew Charitable Trust’s Safe Credit Cards Project recently released a study showing millions of…

By Sheiresa Ngo

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paying-bills-300x231

Pay Your Bills…With a Gift Card

A new way to pay

If you don’t know what to do with those unused gift cards, not to fear.…

By Sheiresa Ngo

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facebook-deals1-200x300

Why Facebook’s New Offer Is Kind of a Big Deal

See how the social network lets you save on events and activities

If you thought the folks over at Facebook were done making changes, you were wrong.…

By Sheiresa Ngo

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tax-bills-300x232

3 Things to Do if You Can’t Pay a Large Tax Bill

Ignoring you tax bill won't help. Fortunately, you have options!

Ignoring you tax bill won’t help. Fortunately, you have options!

By Sheiresa Ngo

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Overall Satisfaction among Small Business Banking Customers Drops

3 Things to Do Before You Start Banking From a Smartphone

Mobile banking offers convenience and flexibility. But here's what you need to know before you tap in to this resource

Mobile banking offers convenience and flexibility. But here’s what you need to know before you…

By BLACK ENTERPRISE

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debt-collectors-facebook-300x232

4 Ways to Prevent Debt Collectors from Contacting You on Facebook

Fight back with these tips.

Fight back with these tips.

By Sheiresa Ngo

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Empty-Wallet-300x232

Your Wallet: A Loser’s Manual

4 ways not to lose your mind when you lose your wallet

4 ways not to lose your mind when you lose your wallet

By BLACK ENTERPRISE

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Should Debt Collectors Use Facebook to “Poke” You?

New measures aim to protect consumers from debt collectors abusing social media

Recently, consumers have reported harassement by debt collectors on Facebook and other social media. In…

By Sheiresa Ngo

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credit report

4 Circumstances that Qualify You for a Free Credit Report

Knowing the facts will allow you to get the information you need

If you think the only time you can get free credit reports is when you…

By Sheiresa Ngo

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free-shipping

Websites That Save You Money

Buzzillions features consumer reviews of a wide range of products. You can get helpful feedback…

By Sheiresa Ngo

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wintercoat

What to Buy in March

If you’re looking for savings on food and clothing, March is your month.

By Sheiresa Ngo

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What to Buy in February

Timing your purchases can help you snag a great deal and save a ton of…

By Sheiresa Ngo

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Keep Track of Recalls

A new way to keep you and your loved ones safe

Hearing about a product recall on television weeks after the product has been declared unsafe…

By Sheiresa Ngo

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customer_is_always_right

You the Consumer Have the Power

Black Enterprise's President/CEO reminds consumers of their financial power and right to great customer service

For decades, African Americans have been hit with what has been called the “Black tax.”…

By Earl "Butch" Graves Jr.

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JaguarXJ

How to Negotiate the Best Deal on a New Car

Arm yourself with the right information and snag a great price

Here’s what you need to know and what you need to do to get the…

By Tamara E. Holmes

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Love & Money: Are You Legally Responsible for Your Stepchildren?

You might be surprised about what you can and cant do.

If you’ve gotten married recently and your new love has kids, congratulations—you’re a step parent!…

By Sheiresa Ngo

Posted: Tags: , , , , ,
renter2

Rental Payments Will Count Toward Credit History

How paying your rent on-time is a new way to build good credit

If you don’t own a home, have little credit card history, or don’t own a…

By Sheiresa Ngo

Posted: Tags: , , , , , ,
pig bank

Save For a Rainy Day!

Join the America Saves Week Challenge this week and learn how to stash your cash

February 20 through February 27 is America Saves Week. Take on this week’s challenge to…

By Sheiresa Ngo

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Lexus goes hybrid with the 2011 CT200 (Source: Press)

Minorities Don’t Drive Green: 4 Ways Obama Can Change That

Despite the President's push to get more electric cars on the roads, many in the Black community remain resistant to change

In President Obama’s recent State of the Union Address, he called on the car industry…

By Jeff Fortson

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Happy-businesswoman

12 Things Every Entrepreneur Needs to Succeed in Marketing

Tina Wells continues dishing out invaluable advice with this 12-step program to a better business strategy

<ul> <li><em>(All Images: Thinkstock)</em></li> </ul> If you’ve taken a marketing class—whether it was at the…

By Tina Wells

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stk127354rke

Surprise! The IRS Counts Forgiven Debt As Taxable ‘Income’

Just because your lender cleared you of a debt doesn't mean Uncle Sam will when filing your tax return

Consumers are receiving so-called 1099-c “cancellation of debt” tax notices, informing them that the IRS…

By John Simons

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Love & Money: Online Dating Financial Scams

Dont let your search for love ruin your finances.

Valentine’s Day is quickly approaching. If Cupid hasn’t been returning your texts, it might be…

By Sheiresa Ngo

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What to Do If You’re Contacted about an Expired Debt

The wrong move could wreak havoc on your finances by having you pay for something you didn't have to

In part one of this article, we explained what the statute of limitations is and…

By Sheiresa Ngo

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The Statute of Limitations on Debt

Make sure you know the rules of how to deal with long-term debt

The statute of limitations. You’ve most likely heard the term before, but you may not…

By Sheiresa Ngo

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New Bank Fees? No Problem. You Can Still Get Free Checking

Look for the loopholes and don't get charged for accessing your own money

You might see a new addition to your checking account in a few weeks. No,…

By Sheiresa Ngo

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4 Things You Might Not Know About Credit

Think you know everything about credit? You might be surprised by these overlooked options

How much do you know about credit? Below are four things you might not be…

By Sheiresa Ngo

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For more 4/11 coverage, read: 4/11: Green Machines - 11 Eco-Friendly Cars for 2011 4/11: 11 Life-Altering Trends to Watch For in 2011 4/11: Get Your Money Right - Financial advice for 2011

4/11: Leaders of the New School

Schools in session! See why these 11 young, innovative leaders will soar in the new year

</a>With 2010 logged into the history books, it’s time to look forward to the future…

By Janel Martinez

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For more holiday tips, read: Holiday Bonuses: A Thing of the Past or on the Comeback? Holiday Entertaining on a Budget  Holiday Gift-Giving Made Easy

‘Tis the Season to ‘Buy Black’

The Anderson family shares tips on how to check "shop at Black-owned businesses"

Blackenterprise.com spoke with the Andersons, founders of EE, about the importance of supporting black-owned businesses,…

By Janel Martinez

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Your Get-out-of-Debt Checklist

Celebrate the New Year by resolving to attack debt with these simple steps

A new year is almost upon us. If you’re struggling with a mountain of debt,…

By Sheiresa Ngo

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Take control of debt. “The rich rule over the poor, and the borrower is servant to the lender.” —Proverbs 22:7

Opinion: Student Loans Should NOT Be Discharged in Bankruptcy

Students in financial trouble do deserve a break. But bankruptcy is not the answer

The last thing a young person needs on their credit report coming out of college…

By Alfred Edmond, Jr.

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Get Your Tax Credit Before It’s Too Late!

See how your plans to do energy-efficient improvements on your home could lead to cash back

If you plan on doing energy-efficient home improvements, now’s the time to do them. The…

By Sheiresa Ngo

Posted: Tags: , , , ,
graduationeducation

Opinion: All Student Loans Should Be Discharged in Bankruptcy

Students in financial trouble deserve a break.

For many of you, student loans were a necessary evil that have remained a thorn…

By Sheiresa Ngo

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POLL: Payroll Debit Card or Paper Check?

Some employers are giving employees another option for getting paid: paper check or debit card. Is this a good idea or a terrible mistake?

More companies are offering their employees the option to receive their salary via payroll debit…

By Sheiresa Ngo

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02MONEY-TV

How to Get a Free TV

An informed consumer is an empowered consumer

Many of us cringe at the thought of making the dreaded phone call to a…

By Sheiresa Ngo

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Don't buy a product that doesn't meet your needs “It looks like a lot of the e-readers advertised on Black Friday sales are pretty good deals,” says Bradford. It is rumored that the Barnes and Noble Nook, which is usually $150 will be $99 just for Black Friday at Best Buy. “The only caveat is that it has WiFi and not 3G,” says Bradford. 3G is better because you can get an internet connection anywhere there is a cell phone signal, regardless of whether or not there is a WiFi signal. Also, the Nook gets free access to 3G and WiFi on AT&T’s network. “If WiFi is fine with you then that is a really good deal, says Bradford. “Most people aren’t going to need to download a book while standing out on a street corner.” But if downloading a book on the fly is your thing then you might want to spend more for 3G. Leading up to Black Friday stay informed about new models that are soon to be released. A lot of brands will be releasing newer models towards the end of this year and the beginning of the next year. If having the latest product is important to you, don’t buy an older version just because it is on sale.

SLIDESHOW: What to Look for When Buying Electronics on Black Friday

Make your list and check it twice. We tell you what to look for when hitting the store

Planning to purchase a laptop or other electronic on Black Friday, but not sure if…

By Marcia Wade Talbert

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airlineSecurity2

Traveling? Know Your Rights When it Comes to Pat-Downs and Body Scanners

Know what should and should not happen at airport check points

The reality of terrorism in the United States has resulted in tighter airport security procedures.…

By Sheiresa Ngo

Posted: Tags: , , , , , , , , , , ,

7 Ways to Profit on Small Business Saturday

Follow this action plan for entrepreneurs who want to rack up big sales on Nov. 27

Tips that will help small business owners hear the cash register, paypal or online shopping…

By Melinda F. Emerson

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blackfriday

How Not to Go Broke on Black Friday

For the best deals, planning is key

Though Black Friday is all about getting the most bang for your short buck, there…

By Renita Burns

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Is Your Spouse Guilty of Financial Infidelity?

Take this quiz and find out

Financial infidelity is one of the top reasons for divorce. Many couples lie about their…

By Sheiresa Ngo

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credit card images

Chase Waives Foreign Transaction Fees

Planning a trip overseas? You might want to take one of these cards with you

If you have a specialty credit card with Chase and you’re a frequent overseas traveler,…

By Sheiresa Ngo

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Credit Reporting Myths Exposed

Know how your report can affect your financial future

Your credit report and score can hold the key to your financial future. One mistake…

By Sheiresa Ngo

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4 Credit Reporting Myths and Realities

Arm yourself with the right information

If you plan to make a big purchase in the near future, it’s important to…

By Sheiresa Ngo

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FrugalistaFiles

How to be Frugal AND Fabulous

Author Natalie P. McNeal tells you how to save money without sacrificing your lifestyle

Being frugal doesn’t have to be painful. Finding ways to save money can be fun…

By Sheiresa Ngo

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money_burning

The 7 Deadly Sins of Money Management

Avoid these blunders to save your finances.

Avoid these blunders to save your finances.

By Sheiresa Ngo

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The "forgetful" borrower. Don't be surprised when you lend money to a cousin or your favorite uncle and you never get it back. If you lend money to a family member, consider it a gift. Family members are usually the worst when it comes to repaying a loan. So when Christmas comes around and they find an empty box under the tree, say Christmas came early—when you “lent” them $200 earlier in the year.

6 Financial Deadbeats to Avoid

Make sure you don't turn into one

Make sure you don’t turn into one

By Sheiresa Ngo

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Do Money Disorders Exist?

What it means to have a dysfunctional relationship with money

During one of our daily meetings, I brought up the topic of money disorders and…

By Sheiresa Ngo

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Your problems with money could be deeper than you realize.

Could You Have a Money Disorder?

If money controls you, the reason could be deeper than a lack of willpower.

The act of shopping and spending money is a normal activity that we all in…

By Sheiresa Ngo

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How to Keep Up With Product Recalls

A couple of government agencies can help

I’m expecting my first child and preparing to buy things she’ll need like a stroller…

By Sheiresa Ngo

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Dysfunctional spending habits could eventually blow up in your face

Four Behaviors That Could Destroy Your Finances

What you don't know about your spending habits can hurt you

Each one of us has a certain “money personality” that drives our financial behavior. And…

By Sheiresa Ngo

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Tools to Curb Holiday Spending

Getting a jump on holiday plans? Here are three resources to get you through the season

Along with browsing for gifts and holiday party wear, you may want to peruse these…

By Renita Burns

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5 Ways to Save Money in a Divorce

Getting divorced doesnt mean going broke

Divorce isn’t something that anyone hopes for but life happens. Here are five cost-cutting moves…

By Sheiresa Ngo

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Shopping Insider: Shopping While Black

How to get the best steals and deals, for people who take their shopping seriously

I’m sure it has happened to you. You’re shopping in a store, minding your own…

By Sheiresa Ngo

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Love & Money: Managing Debt as a Couple

Your guide to managing matters of finance and romance

Debt is never pleasant, but when you’re in a relationship and you share the bills,…

By Sheiresa Ngo

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Money Expert Q&A: How to Have Perfect Credit

Anyone can have great credit. Read on and find out how.

In personal finance expert Lynnette Khalfani-Cox’s latest book, Perfect Credit: 7 Steps to a Great…

By Sheiresa Ngo

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Shopping Insider: Stick To a List to Save Time And Money

How to get the best steals and deals, for people who take their shopping seriously

Shopping isn’t always fun. The reality is, shopping for items such as groceries or school…

By Sheiresa Ngo

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Managing Credit: How to Prove You’re Not Dead

Your guide to building and protecting your credit

It’s time to replace your car, so you shop around for the best deal, pick…

By Sheiresa Ngo

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Shopping Insider: Don’t Let Your Gift Cards Go to Waste

How to get the best steals and deals, for people who take their shopping seriously

As the holidays approach, many well-meaning relatives will be doling out gift cards—often because they…

By Shandra Hill Smith

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Kids & Money: Dollar Savvy Apps for Kids

Money lessons we need to teach to our kids from K-12

Whether you’re on an Apple, Droid or RIM operating system, more and more companies are…

By Renita Burns

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Shopping Insider: Online Labor Day Deals

How to get the best steals and deals, for people who take their shopping seriously

The Labor Day holiday is once again upon us. If you plan to take a…

By Sheiresa Ngo

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5 Things You Should Know If Your Bank Fails

2010 may bring more bank collapses than last year. Here's how to protect your money

Through June of this year, 118 banks have failed—and have been taken over by the…

By John Simons

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Shopping Insider: Are You Addicted to Spending?

How to get the best steals and deals, for people who take their shopping seriously

Do you like to shop a little too much? Occasionally treating yourself to something…

By Sheiresa Ngo

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Money Basics: How to Handle a Bank Error

Lessons on the fundamentals of personal finance and money management

A bank error can take days, sometimes weeks, to resolve. Here are the steps you…

By Sheiresa Ngo

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Economista: 5 Secrets to Getting Free Phone Service

Don't renew your phone contract without negotiating for the best possible deal

Just because a phone provider offers one and two-year-contracts doesn’t mean you can’t ask for…

By Renita Burns

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Shopping Insider: 5 Web Sources for Back-to-School Deals

How to get the best steals and deals, for people who take their shopping seriously

Summer will soon be coming to a close. It’s almost time to stay up late…

By Sheiresa Ngo

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The American Medical Association announced in June that 20% of medical claims are processed inaccurately by health insurers. Medical billing advocates say the number is even higher.

Fight Medical Billing Errors

Failure to look at bills closely could cost you thousands. Here's how to protect yourself.

When Beverly Browning of Mesa, Arizona, checked into a hospital for a biopsy in 2003,…

By Tamara E. Holmes

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What the Future Holds for Consumers

In 40 years, �the customer is always right� will be more than a catchphrase

I remember how excited my husband and I were when we first ordered groceries online.…

By Sheiresa Ngo

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Cutting Edge: The Science of Booking Last-Minute Flights

It�s good to wait, but not too late

When looking for cheap flights, when is too late, well, too late?

By Renita Burns

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Help! I Can’t Open a Checking Account!

3 ways to get your check-writing privileges restored

If you’ve been reported to a consumer checking history database such as ChexSystems, you won’t…

By Sheiresa Ngo

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On Standby: New Airline Passenger Rules

These proposed changes might take the frustration out of your next flight

If you’ve ever been bumped from a flight, you know the frustration that comes with…

By Sheiresa Ngo

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Find the Best Summer Travel Deals for Your Family

Vacations don't have to cost an arm and a leg. Here's how one family saves and still has fun

Summer vacations–whether for families, couples, singles or groups– don’t have to be expensive to be…

By Leslie E. Royal

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Get Ready for Changes to Your Debit Card

You can say buh-bye to those pesky overdraft fees, but you'll have to really watch your balance

As of July 1, new changes are coming to debit card overdraft fees. The Federal…

By Sheiresa Ngo

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Oil Spill Cleanup Scams

From bogus stocks to fake job opportunities, don�t let con artists get away with your cash

Whenever there’s an opportunity, scammers often find a way to use their dirty little tricks…

By Sheiresa Ngo

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Ask Your Advocate: Charge, Credit, Debit—What’s The Diff?

They're all plastic, but the features are not the same

I recently got an offer in the mail for a charge card. How is this…

By Sheiresa Ngo

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Who Should Have Your Social Security Number?

Protect one of your most valuable pieces of information

Last July, Harrine Freeman was at a gas station when thieves busted her car window…

By Tamara E. Holmes

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iPhone Apps that Save You Money

Tools to help you keep a handle on debt, score great deals, and save some hard-earned cash

If you own an iPhone, you probably have dozens of apps and can’t wait for…

By Sheiresa Ngo

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Steer Clear of Moving Scams

From hidden fees to damaged belongings, unscrupulous movers can take you for a ride

Whether you’re relocating to another state or moving into your dream home, you should be…

By Sheiresa Ngo

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Cutting Edge: 9 Tweeters for the Cost-Conscious

Twitter accounts sure to help you save a buck or two

I like to consider myself a connoisseur of “free.” Not just of free, but of…

By Renita Burns

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When Identity Theft Hits Close to Home

What to do when a family member steals your identity

Imagine if when you were a child, one of your parents opened a few credit…

By Renita Burns

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Ask Your Advocate

I try to take advantage of deals when I go shopping and compare prices. But…

By Sheiresa Ngo

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MasterCard Opens Online Store

Another advancement for online shopping, but be sure to protect your privacy and your money

Do you like to shop online? If you do, one credit card company would be…

By Sheiresa Ngo

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Cash for Clunker Appliances: Time is Running Out

Don't delay�get your rebate before it's gone

If you’re planning to take advantage of the appliance rebate program, you better put some…

By Sheiresa Ngo

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Ask Your Advocate: Protecting Your Identity While Shopping

Know your rights when asked for ID

When I pay for an item with a credit card, sometimes I’m asked to show…

By Sheiresa Ngo

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Cyberwise: How to Choose an E-Reader

I really want to get an e-reader, but I’m not sure which one is right…

By Dale Coachman

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Beware of Census Scams

Fill out your form, but keep in mind these four tips to keep you and your information safe

It’s that time again. The deadline to submit your census form is drawing near–April 1,…

By Sheiresa Ngo

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Protect Your Privacy

Once it's gone, it�s hard to get it back. Avoid these three common mistakes.

In this fast-paced, digital age, everyone is connected. Unfortunately, that makes it very easy for…

By Sheiresa Ngo

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Six Ways to Save

These tips will help you build a cash cushion in no time

Whether you need a professional financial plan or just a “Savings 101” refresher, these six…

By Keesa Schreane

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Navigating the Abyss of Airline Customer Service

Steps for getting a complaint resolved

I flew the friendly skies for my honeymoon last month. The honeymoon was great but…

By Sheiresa Ngo

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Cutting Edge: Check Yourself with Self-Checkout

How paying more attention can save you dollars

When it comes to budgeting your dollars, paying attention to every detail—from the coupons you…

By Renita Burns

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Ask Your Advocate: Winter Heating Bill Woes

How to lighten the load on your wallet

My heating bill tends to be very high each winter. What can I do to…

By Sheiresa Ngo

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Credit Card Reform Starts Today

Consumers gain rights with new provisions

The landmark legislation that Obama signed in the spring of 2009 that was designed to…

By Renita Burns

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Get Ready For The New Credit Card Rules

Excellent advice from the National Foundation for Credit Counseling

The clock is ticking toward implementation of the Credit Card Accountability Responsibility and Disclosure Act…

By BLACK ENTERPRISE

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Cutting Edge: Move Your Money

Consumers offer banks a lesson, but will they learn?

Can you be part of the campaign to move your accounts from large banks to…

By Renita Burns

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What to Know Before You Donate to Haitian Relief

There�s nothing charitable about getting scammed

Before you give to any organizations, here are a couple of tips to help you…

By Renita Burns

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3 Things to Know About Debt Collectors

What they can and can�t do when collecting on a debt

While the days of debt collectors sending sheriffs to your home are long gone, for…

By Renita Burns

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Auto Financing or Bust

Getting auto financing when you�ve been rejected

After months of sputtering hither and to, days spent in the shop, and that noxious…

By Renita Burns

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Check Yourself Before You Wreck Yourself

Before hitting stores, take the NFCC's Holiday Spending Quiz

Once again, it’s the time of year when pressure on consumers to do their part…

By Alfred Edmond, Jr.

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I’m Not Rosa Parks. He’s Not Dr. King.

But they are The Empowerment Experiment

Dr. King tells me that even though he and Rosa Parks and all the other…

By Maggie Anderson

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How Healthcare Reform Affects You

Separating fact from fiction

The ongoing debate over healthcare reform is as intense as ever, but nothing has been…

By Joyce Jones

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My Powerful Life As Mrs. Buy-Black America

Thanks to the Empowerment Experiment, we've met some extraordinary entrepreneurs

When we created The Empowerment Experiment, we knew things would be different. We knew…

By Maggie Anderson

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Five Need-to-Know Tips Before Closing Your Checking Account

It�s not as simple as you think

Let’s face it, bounced checks, account overdrafts, and poor account management can make severing ties…

By Renita Burns

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Your Back to School Shopping — Made Affordably Easy

Find the best deals through proper planning

There’s something about the August air that stirs a sense of uneasiness and excitement among…

By Renita Burns

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Our Choice: To Empower

Can a middle-class, professional, suburban black couple lead a Black Power movement?

My family made a choice, publicly, to spend as much money as possible with Black…

By Maggie Anderson

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Banking on Our Own

Investing in black-owned financial institutions is investing in ourselves

It’s expensive to be black in America. Recent studies and lawsuits prove we are overcharged…

By Zachary Raynell Rinkins

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Oh, the Mumbo-Jumbo

Don't let jargon lead you into a bad deal

At the behest of my landlord, I alone signed the lease on our first post-college…

By Renita Burns

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The Cutting Edge: Why I Paid $180 for an $80 Auto Repair

Failing to maintain your car could cost you time and money

Misty BleuIt was a dark and stormy night – well, it was by no means…

By Renita Burns

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‘One Size Does Not Fit All’

NAACP panelists want more diversified healthcare approach

At two forums on healthcare reform at the NAACP’s Centennial Convention Saturday, panelists presented a…

By Marcia Wade Talbert

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FCC to Hold ‘Soft Test’ for DTV Transition

Analog programming to be interrupted with reminders

Local broadcasters will be participating in coordinated digital television (DTV) transition “soft tests” Thursday in…

By Deborah Creighton Skinner

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A Random Walk Down Wall Street (With Protesters)

With the economy in terrible shape, everyone has a favorite scapegoat. For some, it's bankers and bureaucrats.

On my lunch hour last Friday, I went down to lower Manhattan’s financial district—the nerve…

By John Simons

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Fools Gold?

Determining if Cash4Gold is worth its weight

Out of all the cash for gold companies shilling on television, Cash4Gold has managed to…

By Renita Burns

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The Cutting Edge: ‘Just in Case’ Recession Specials

Companies offer deals tailored to an uncertain job market

Yesterday, I blogged on recession-friendly deals companies are offering. But there’s more to the wave…

By Renita Burns

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The Cutting Edge: Recession Specials

Deals sure to be kind to your wallet

For consumers clutching their purse strings and wallets, companies are hoping to loosen that grip…

By Renita Burns

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The Cutting Edge: Beware of Stimulus-Related Scams

Don't get sucked in by con artists with fraudulent claims

Waiting for your cut from President Barack Obama’s $787 billion stimulus package? Well, don’t hold…

By Renita Burns

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Women of Power

Venus Williams

Watch Sonia Alleyne’s Interview with Venus Williams at This Year’s Women of Power Summit [Video]

Venus Williams was one of the featured speakers at this year’s Women of Power Summit.

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Women of Power: Pushing Past Fear To Make Your Next Career Move

At the Black Enterprise Women of Power summit, attendees learn how to push past fears…

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