August 27, 2014 3:23 PM • Log InREGISTER
HOT TOPICS:
Consumers Allowed More Time for Health Care Enrollment How To Blow The Whistle On A Tax Cheat Howard University Professor Gives Tips on Handling Economic Stress in New Book American Workers Still Struggling to Save for Retirement Personal Finance Word of the Day: Frugal Fatigue Lost Control of Your Finances? Here’s 5 Ways to Get Back on Track Personal Finance Word of the Day: Ponzi Scheme [Video] Are You an Unemployed College Grad? Here’s How to Manage Your Money Personal Finance Word of the Day: Identity Theft [Video] Identity Theft Listed as Top FTC Consumer Complain in 2013 Personal Finance Word of the Day: Tax Filing Extension Didn’t File Your Taxes in 2010? You Can Now! Tennessee Ranks No 1 With Highest State-Local Sales Tax, Hurting Local Businesses Personal Finance Word of the Day: Prepaid Card [Video] Pensions: Should You Take a Lump Sum or Monthly Payout? Consumer Financial Protection Bureau to Update Prepaid Card Disclosures Personal Finance Word of the Day: Rally [Video] 3 Tax Audit Triggers To Avoid Watch Out for Malaysia Airline Scams on Facebook Are You Living Paycheck to Paycheck? [Infographic] Tax Tip: Paying for Medical and Dental Expenses [Video] Personal Finance Word of the Day: Adjustable-Rate Mortgage Tax-Time Identity Theft: The IRS Tells You What to Do [Video] Personal Finance Word of the Day: FINRA What to Do If Someone Else Gets Your Tax Forms 7 Tax Tips for Your Home-Based Business 4 Things You Should Know About Bartering How to Invest in Emerging Markets [Infographic] Personal Finance Word of the Day: Uniform Transfer to Minors Act You Could Win Mega Millions And Still End Up Broke Charity Impersonation Listed as One of the IRS “Dirty Dozen” Tax Scams An Analysis of Money Laundering [Infographic] Personal Finance Word of the Day: Average Daily Balance Website Mistakes that Cost You Money [Infographic] Inflated Refunds Listed as One of the IRS “Dirty Dozen” Tax Scams Personal Finance Word of the Day: Mid-Cap Fund Personal Finance Word of the Day: Credit Utilization Ratio Don’t Get Hustled In Your Search for a Good Side-Hustle A New FICO Scoring Model is Coming Your Way The Anatomy of a Credit Card Payment [Infographic] Find a Real Estate Deal in the Next Hot ‘Hood A Brief History of Taxes [Infographic] Track Your Tax Refund [Video] Personal Finance Word of the Day: Tax Avoidance Transaction The Case for Investing in Global Fixed Income Personal Finance Word of the Day: Meeting of Creditors An Asset Allocation Guide [Infographic] How to Change Your Bad Money Habits [Infographic] Phone Fraud Listed as One of the IRS “Dirty Dozen” Tax Scams Personal Finance Word of the Day: Accelerated Depreciation The Cost of Raising a Child Continues to Rise National Consumer Protection Week Starts Now [Infographic] Personal Finance Word of the Day: Amortization WhatsApp Sales Means Major Payday for Employees Personal Income Slightly Rises in January Black Enterprise Financial All-Star: Sonya Smith-Valentine Where to Go to Crowdfund Your College Tuition Black Enterprise Financial All-Star: Michelle Oliver America Saves Week: Where Does Your Money Go? [Infographic] America Saves Week: “Why You Should Save” Wells Fargo and NeighborWorks America Offer Down Payment Assistance Black Enterprise Financial All-Star: Dwight Raiford America Saves Week: Play the Savings Game Bitcoin Exchange Mt. Gox Shuts Down, Leaves Investors Penniless Personal Finance Word of the Day: Adjusted Basis US News & World Report Editor Talks New Book “The Economy of You” Tax Season 2014: Watch Out for Tax-Related Identity Theft Learn How to Save Money During ‘America Saves’ Week How One Black Enterprise Reader is Helping Black-Owned Businesses The White House Emphasizes the Importance of Enrollment in Affordable Health Care Personal Finance Word of the Day: Automatic Stay Infographic: Two-Income Households Struggle More Than Single Income Ones? Five Factors That Affect Your Credit Score Do Men Still Earn More than Women? [Infographic] How to Choose the Right Tax Filing Status Looking for a Valentine’s Day Gift? Try Your Credit Report Love and Money: Dealing with Financial Crisis While in Love Love and Money: A Look at Valentine’s Day Shopping Behavior [Infographic] MetLife Offers Tips on Managing Love and Money 8 Ways to Fight Drip Pricing New Trading Service for Consumers Black Enterprise Financial All-Star: Katrina H. Everett Talks Income Strategy What to Look for in an IPO Ruben J. King-Shaw Jr., Reveals the ‘Excellent Opportunities’ in Domestic Healthcare Black Enterprise Financial All-Star: Lori Ann Douglass Talks End of Life Planning Black Enterprise’s Financial All-Stars: Aaron W. Smith Talks Raising Capital 5 Things You Should Know about Postnuptial Agreements Divorce and Your Finances: The Basics Personal Finance Word of the Day: Absorption Rate 3 Retirement Killers: Protect Yourself Now or Regret it Later Personal Finance Word of the Day: Financial Infidelity IRS Unveils Updated Smartphone App ‘IRS2GO’ Personal Finance Word of the Day: myRA Personal Finance Word of the Day: COB Fraud 4 Tips for Keeping Business and Personal Finances Separate Personal Finance Word of the Day: Data Breach Consumers Show Gains in Personal Income Bank President Talks Importance of Black Money Management IRS Makes Changes to Their Service Options Tips for Keeping Shopping Under Control US Lagging Behind Globally in Improving Credit Card Security Life Insurance 101: The Dos and Dont’s of Buying Life Insurance U.S. Workers Lose Hope for Higher Wages and Job Security Financial Lessons From Season Six of Real Housewives of Atlanta 10 Dumb Things We Do With Our Money Rapper Flo-Rida Owes Over a Million in Taxes Apple Inc. to Pay More Than $32 Million in Refunds Jobless Claims Dip to Pre-Thanksgiving Levels IRS Launching ‘Free File’ on January 17th 3 Habits For Better Money Outcomes in 2014 More Customers Affected By Target Data Breach 4 Reasons to Ditch Department Store Cards Right Now Ways to Save on Car Insurance Costs [Video] How to Replace a Lost or Stolen Gift Card Tips on Overcoming and Surviving a Financial Crisis ATM Fraud Explosion Might be Looming Don’t Make These Holiday Credit Mistakes Black Enterprise Financial Fitness Contest: Rodd Herbert Talks 1 Year Later Black Enterprise’s Financial Fitness Contest Recap: Lachelle Metcalf Talks 1 Year Later How to Start Your Retirement Planning in an Intelligent Manner The Lowdown on Investment Rewards Credit Cards IRS Announces 2014 Standard Mileage Rates for Business, Medical and Moving FTC Updates Online Complaint Site Is Mixing Business and Pleasure Worth the Risk? Personal Income and Savings Rate Dip, Report Says Is Money “Dripping” From Your Wallet Because of Drip Pricing? Bank of America Aims to Improve Financial Literacy with Campaign 5 Reasons To Get Real With Your Holiday Spending Are You Financially Dependent On Your Spouse? Black Enterprise Book Review: “Save Wisely, Spend Happily” by Sharon Lechter How to Give the Gift of Meals This Holiday Season FTC Warns: “Beware of Fake Debt Collectors” Did You Know These Surprising Facts About The World’s Billionaires? [Video] Is Your Financial Mindset About Prosperity—Or Lack? Why Your Financial Plan is a Failure [Infographic] FTC Cracks Down on Phantom Lender Tips for Staying within Your Holiday Budget 9 Steps To Protect Yourself From Crooks on Cyber Monday Walmart Announces Even Earlier Black Friday Sales How to Save Money When Starting a Business Consumer Financial Protection Bureau Prepares to Crack Down on Debt Collectors 5 Financial Questions You Must Ask Before Saying “I do” Best Times to Buy Holiday Gifts [Infographic] Treasury Modifies “Use-or-Lose” Rule for Health Flexible Spending Accounts Financial Planning Tips for New Entrepreneurs Top Expert Tips on How to Save With Coupons Wealth Builder Spotlight: The Inspirational Story of Kanyessa McMahon Hurricane Sandy Anniversary: A Primer on Catastrophe Tax Deduction Average 30-Year Mortgage Rate Dips to 4.13% Google Helps Consumers Prepare for Digital Afterlife

Money

(Image: Healthcare.gov)

Consumers Allowed More Time for Health Care Enrollment

(Image: Healthcare.gov)
If you think you might not be able to meet the March 31 deadline…

By Sheiresa Ngo

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tax tips

How To Blow The Whistle On A Tax Cheat

Do you know anyone trying to get by on Uncle Sam?

If you know someone who is cheating the Internal Revenue Service, you could be in…

By Sheiresa Ngo

Posted: Tags: , , ,
howard university entrance sign

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

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

Have you ever dealt with a lot of stress?

By Sheiresa Ngo

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retirement

American Workers Still Struggling to Save for Retirement

TIAA-CREF survey shows significant savings gap

The TIAA-CREF Lifetime Income Survey found that 65% of Americans are saving 10% or less…

By Sheiresa Ngo

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black-female-sad-at-work-pf

Personal Finance Word of the Day: Frugal Fatigue

Are you tired of being frugal and want to spend a little?

Frugal fatigue happens when consumers get tired of pinching pennies and delaying gratification

By Sheiresa Ngo

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piggy banks-300x232

Lost Control of Your Finances? Here’s 5 Ways to Get Back on Track

Have you been terrible with handling money?

Everyone struggles with money at some point in their lives

By Sheiresa Ngo

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Fraud-300x232

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

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

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

By Sheiresa Ngo

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after-school-daze-recent-grad-300x232

Are You an Unemployed College Grad? Here’s How to Manage Your Money

Were you unemployed after graduating school? Do you know of anyone who is?

Several factors are affecting the job market: the unstable economy, outsourcing, and baby boomers delaying…

By Sheiresa Ngo

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woman-on-computer-phone-300x232

Personal Finance Word of the Day: Identity Theft [Video]

Have you ever been the victim of identity theft?

Identity theft can be committed in several ways

By Sheiresa Ngo

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identity-theft-300x232.jpg

Identity Theft Listed as Top FTC Consumer Complain in 2013

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

More than half of the complaints were fraud based

By Sheiresa Ngo

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tax extension sheet

Personal Finance Word of the Day: Tax Filing Extension

Your daily money bite

You can get an automatic six-month extension

By Sheiresa Ngo

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tax tips

Didn’t File Your Taxes in 2010? You Can Now!

Procrastinators have a second chance

The IRS actually has good, not bad news for you

By Sheiresa Ngo

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Cash Mobs Support Small Businesses

Tennessee Ranks No 1 With Highest State-Local Sales Tax, Hurting Local Businesses

Higher taxes drive consumers to shop online, says report

Arkansas has the second highest state-local sales tax rate of all 50 states at 9.19%

By Carolyn M. Brown

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stk316204rkn

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

Your daily money bite

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

By Sheiresa Ngo

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money-fans-122312-575hc

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

Make sure to choose wisely

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

By Sheiresa Ngo

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

Consumer Financial Protection Bureau to Update Prepaid Card Disclosures

It will be easier to understand fees

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

By Sheiresa Ngo

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stocks rise

Personal Finance Word of the Day: Rally [Video]

Your daily money bite

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

By Sheiresa Ngo

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taxesforms

3 Tax Audit Triggers To Avoid

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

By Sheiresa Ngo

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

Watch Out for Malaysia Airline Scams on Facebook

Don't fall for scammers' tricks

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

By Sheiresa Ngo

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

Are You Living Paycheck to Paycheck? [Infographic]

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

By Sheiresa Ngo

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Female-doctor-patient-300x232

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

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

By Sheiresa Ngo

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money-house_crop.jpg

Personal Finance Word of the Day: Adjustable-Rate Mortgage

Your daily money bite

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

By Sheiresa Ngo

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identity theft

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

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

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

By Sheiresa Ngo

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Image: ThinkStock

Personal Finance Word of the Day: FINRA

Your daily money bite

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

By Sheiresa Ngo

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

What to Do If Someone Else Gets Your Tax Forms

A plan for dealing with tax trouble

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

By Sheiresa Ngo

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Taxes-620x480

7 Tax Tips for Your Home-Based Business

These strategies can benefit your small businesses

Home-based businesses, start-ups and solopreneurs are often serial late filers and miss out on maximizing…

By Alan Hughes

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

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

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

4 Things You Should Know About Bartering

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

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

By Sheiresa Ngo

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Florida Tech to Host Webinar on Supply Chain Risk Management

How to Invest in Emerging Markets [Infographic]

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

By Sheiresa Ngo

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estate planning

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

Your daily money bite

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

By Sheiresa Ngo

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Man-Cash-Money-620480

You Could Win Mega Millions And Still End Up Broke

Another huge jackpot has us thinking: If I could just hit the lottery, I'd be set for life. Or would you?

If you could just hit the lottery, you’d be set for life. Or would you?…

By Alfred Edmond, Jr.

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tax-bills-300x232

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

Don't donate blindly

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

By Sheiresa Ngo

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extra money

An Analysis of Money Laundering [Infographic]

Don't even think about taking dirty money

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

By Sheiresa Ngo

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credit-card-use

Personal Finance Word of the Day: Average Daily Balance

Your daily money bite

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

By Sheiresa Ngo

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internet_1

Website Mistakes that Cost You Money [Infographic]

Don't make these blunders

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

By Sheiresa Ngo

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tax tips

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

Don’t trust a tax preparer who makes outrageous promises

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

By Sheiresa Ngo

Posted: Tags: , , ,
Image: ThinkStock

Personal Finance Word of the Day: Mid-Cap Fund

Your daily money bite

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

By Sheiresa Ngo

Posted: Tags: , ,
credit2

Personal Finance Word of the Day: Credit Utilization Ratio

Your daily money bite.

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

By Sheiresa Ngo

Posted: Tags: , , ,
extra money

Don’t Get Hustled In Your Search for a Good Side-Hustle

Looking for a free, easy, fast way to get money? Then scam artists and other predators are looking for YOU

Know the signs of a bogus business or work-at-home opportunity

By Alfred Edmond, Jr.

Posted: Tags: , , , , , ,
creditscore

A New FICO Scoring Model is Coming Your Way

The credit-scoring leader announces updates

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

By Sheiresa Ngo

Posted: Tags: , , ,
CreditCards3

The Anatomy of a Credit Card Payment [Infographic]

A step-by-step guide

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

By Sheiresa Ngo

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Keller Williams NYC associate broker Jamella Swift

Find a Real Estate Deal in the Next Hot ‘Hood

It's all about up-and-coming locations when it comes to finding affordable homes that will appreciate

Jamella Swift, an associate broker at Keller Williams NYC, gives advice on buying and selling…

By Alisa Gumbs

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Taxes-620x480

A Brief History of Taxes [Infographic]

Fun tax facts

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

By Sheiresa Ngo

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taxes

Track Your Tax Refund [Video]

Find your money

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

By Sheiresa Ngo

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tax tips

Personal Finance Word of the Day: Tax Avoidance Transaction

Your daily money bite

Tax season is upon us

By Sheiresa Ngo

Posted: Tags: , ,
EY offers global mentoring opportunity to entrepreneurs

The Case for Investing in Global Fixed Income

Vanguard researchers explain why this asset class should have a place in your portfolio

However, many U.S. investors are not investing in these securities

By Sheiresa Ngo

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credit cards

Personal Finance Word of the Day: Meeting of Creditors

Your daily money bite

Even though it’s called a meeting of creditors, the creditors rarely attend

By Sheiresa Ngo

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investing

An Asset Allocation Guide [Infographic]

Don't put all your eggs in one basket

What does asset allocation mean?

By Sheiresa Ngo

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How to Change Your Bad Money Habits [Infographic]

You don't have to let routine ruin your finances

How will you improve?

By Sheiresa Ngo

Posted: Tags: , , ,
irs

Phone Fraud Listed as One of the IRS “Dirty Dozen” Tax Scams

Is your phone ringing? It could be a scammer on the line

Have you ever been scammed?

By Sheiresa Ngo

Posted: Tags: , , ,
MONEY

Personal Finance Word of the Day: Accelerated Depreciation

Your daily money bite

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

By Sheiresa Ngo

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black-baby-smiling

The Cost of Raising a Child Continues to Rise

Buy a Bentley? Or have a baby? The Bentley could be cheaper

Raising children is more expensive than you think

By Alfred Edmond, Jr.

Posted: Tags: , , ,
black-woman-shopper-300x232.jpg

National Consumer Protection Week Starts Now [Infographic]

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

What will you be doing this week?

By Sheiresa Ngo

Posted: Tags: ,
2. Reduce debt

Consumer Reports has found that in late 2011, 14 million Americans were still paying off their holiday bills from 2010. If you haven't been able to get out of credit card debt on your own, try boosting your financial fitness by joining a free financial boot camp offered online like MyMoneyCircles.com. This practical, step-by-step program, which I help lead with a team of experts, will help you reduce debt, figure out how to save money and reach a host of financial goals, including all of the financial New Year’s resolutions on this list.

Personal Finance Word of the Day: Amortization

Your daily money bite

Have you ever done this?

By Sheiresa Ngo

Posted: Tags: , ,
WhatsApp-Logo

WhatsApp Sales Means Major Payday for Employees

Employees to receive close to 1% share of company

One of the major headlines following the announcement of the purchase of WhatsApp by Facebook…

By Sasha King

Posted: Tags:
10 money moves - savings_crop

Personal Income Slightly Rises in January

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

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

By Sheiresa Ngo

Posted: Tags: , , ,
be-home-logo

Black Enterprise Financial All-Star: Sonya Smith-Valentine

Advice from Black Enterprise's top experts

Learn how to manage your credit

By Sheiresa Ngo

Posted: Tags: , ,
Should You Do a Crowdfunding Campaign?

Where to Go to Crowdfund Your College Tuition

Students think like entrepreneurs to meet school expenses

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

By Sheiresa Ngo

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be-home-logo

Black Enterprise Financial All-Star: Michelle Oliver

Advice from Black Enterprise's top experts

Life insurance purchases are important

By Sheiresa Ngo

Posted: Tags: , ,
(Image: Thinkstock)

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

Are you saving enough?

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

By Sheiresa Ngo

Posted: Tags: , , ,
america saves

America Saves Week: “Why You Should Save”

Your saving habits could have life-long consequences

Save now for a rainy day

By Sheiresa Ngo

Posted: Tags: , , ,
wells-fargo-lends-out-more-than-a-billion

Wells Fargo and NeighborWorks America Offer Down Payment Assistance

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

Help for homeowners is on the way

By Sheiresa Ngo

Posted: Tags: , , ,
black-enterprise-logo

Black Enterprise Financial All-Star: Dwight Raiford

Advice from Black Enterprise's top experts

Have you begun to plan for retirement?

By Sheiresa Ngo

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

America Saves Week: Play the Savings Game

Test your savings skills with this educational game

How did you do?

By Sheiresa Ngo

Posted: Tags: , , ,
The Japan-based cryptocurrency exchange filed for bankruptcy after losing $473 million in bitcoins.

Bitcoin Exchange Mt. Gox Shuts Down, Leaves Investors Penniless

The company's Twitter feed, like its website, has also been scrubbed

The world’s largest bitcoin trading company, Mt. Gox, has gone offline amid allegations of theft…

By Patrick Austin

Posted: Tags: , , , , ,
money-house_crop.jpg

Personal Finance Word of the Day: Adjusted Basis

Your daily money bite

What’s the definition?

By Sheiresa Ngo

Posted: Tags: , , ,
Economy of You ART

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

Kimberly Palmer talks about creating an economy that you control

Take hold of your financial destiny

By Sheiresa Ngo

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taxes

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

Keep an eye out for tax-time thieves

Your identity could be stolen

By Sheiresa Ngo

Posted: Tags: , , ,
(File)

Learn How to Save Money During ‘America Saves’ Week

Give your nest egg a boost

Use this week develop sound saving habits

By Sheiresa Ngo

Posted: Tags: , ,
support-black-business

How One Black Enterprise Reader is Helping Black-Owned Businesses

Vannessa Wade supports black business with her money and her talents

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

By Sheiresa Ngo

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healthcare story

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

Millions will have access to coverage

Nearly 6.8 million African Americans in the United States are uninsured

By Sheiresa Ngo

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BankruptcyCourt

Personal Finance Word of the Day: Automatic Stay

Your daily money bite

Learn what an automatic stay is

By Sheiresa Ngo

Posted: Tags: ,
Couple-managing-bills-300x232

Infographic: Two-Income Households Struggle More Than Single Income Ones?

Two incomes aren't necessarily better

Research shows two incomes aren’t necessarily better

By Sheiresa Ngo

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creditscore

Five Factors That Affect Your Credit Score

A guide to boosting your number

How high or low is your credit score?

By Sheiresa Ngo

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

Do Men Still Earn More than Women? [Infographic]

A recent study answers the question

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

By Sheiresa Ngo

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irs

How to Choose the Right Tax Filing Status

Picking the correct status will keep cash in your pocket

This status normally applies if you are not married

By Sheiresa Ngo

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ValerieMorris-300x225

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

Nothing says 'I love you' like financial planning together

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

By Alan Hughes

Posted:
Stop bickering and start building your nest egg.

Love and Money: Dealing with Financial Crisis While in Love

What to do when money woes hit close to home

Now is the time to stick together and work out an action plan

By Sheiresa Ngo

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Love doesn't have to put a damper on your finances.

Love and Money: A Look at Valentine’s Day Shopping Behavior [Infographic]

Women focus on saving money, while men pay more for gifts

Take a look at some fun love and money statistics

By Sheiresa Ngo

Posted: Tags: , , ,
black-couple-smiling

MetLife Offers Tips on Managing Love and Money

Guidelines for creating harmony between your money and your honey

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

By Sheiresa Ngo

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money-fans-122312-575hc

8 Ways to Fight Drip Pricing

Here’s what you need to do to protect yourself

Check your credit card statements for additional fees

By Sheiresa Ngo

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8. Barter services. If you have a friend who’s a genius when it comes to accounting, or you know someone who is an amazing artist, barter with them for their services. The more you can get for free, the faster you can grow your business. You don’t need big time capital (unless you’re building the next Facebook).Most business ,like my own, start from nothing. I had a word processor and my parents’ phone line. I bartered a lot early on, and as a result, I own 100% of my business today.

New Trading Service for Consumers

Website allows trading of goods and services through your social network

Igobono is a marketplace that helps members of a social network learn what their friends…

By Sheiresa Ngo

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katrina-leverett

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

Advice from Black Enterprise's top experts

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

By Sheiresa Ngo

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IPO

What to Look for in an IPO

Earnings, cash flow and revenue growth are the most important criteria

IPOs provide a rare chance to peek into a private company’s financials (as required by…

By Alan Hughes

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Ruben King2

Ruben J. King-Shaw Jr., Reveals the ‘Excellent Opportunities’ in Domestic Healthcare

Aging demographics expected to continue fueling growth

Demographics are a powerful driver of growth in healthcare expenditures

By Alan Hughes

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douglas_lori_crop

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

Advice from Black Enterprise's top experts

Do your disability and estate planning now

By Sheiresa Ngo

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aaron-w-smith

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

Advice from Black Enterprise's top experts

What are the best ways to raise capital?

By Sheiresa Ngo

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A ROSE BY ANY OTHER NAME IS STILL THE SAME:  Stay with in-season flowers. This may seem like a no-brainer but many brides get stuck on having popular peonies or calla lilies before they set a date and then become too stubborn to change. Be smart and flexible. Source flowers with wholesalers and farmers’ markets in your city or even on the Web, FiftyFlowers.com is a good place to start.

5 Things You Should Know about Postnuptial Agreements

Make plans for after you say "I do"

Even if you’re in a relationship that you think will last forever, things can change

By Sheiresa Ngo

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Divorce2

Divorce and Your Finances: The Basics

As with marriage, divorce is a major life-transition that requires financial planning

No one likes to plan for divorce, especially married people

By Alfred Edmond, Jr.

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(Image: Thinkstock)

Personal Finance Word of the Day: Absorption Rate

Your daily money bite

The final result will show how many months it will take to deplete the market’s…

By Sheiresa Ngo

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0722_retirement

3 Retirement Killers: Protect Yourself Now or Regret it Later

The odds are better than ever that you'll live long enough to regret not planning for retirement

If you haven’t started saving for retirement, you need to start today

By Alfred Edmond, Jr.

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lovemoney

Personal Finance Word of the Day: Financial Infidelity

Your daily money bite

Have you been financially unfaithful?

By Sheiresa Ngo

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smartphone

IRS Unveils Updated Smartphone App ‘IRS2GO’

Get the latest tax information on the go

Find the tax information you need in a breeze

By Sheiresa Ngo

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SHARE YOUR EXPERTISE BY TEACHING You've accumulated a lifetime of real-world work experience and general life experiences. Why not share your expertise with the world by becoming a teacher? A part-time teaching job or instructor position could help you bring in a steady paycheck during your golden years or amid a period of semi-retirement. Teaching is also a great way to keep your mind stimulated and help you connect with others. By contributing to young people's development, you'll make a difference in the world beyond your own life. You may not get rich teaching part-time; but you will enjoy a richer life.

Personal Finance Word of the Day: myRA

Your daily money bite

Description of new retirement account

By Sheiresa Ngo

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Tips for Getting Your Direct Mail Marketing Letters Read

Personal Finance Word of the Day: COB Fraud

Have you ever been a victim?

Do you know what this is?

By Sheiresa Ngo

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6 Steps for Getting Noticed in Any Setting

4 Tips for Keeping Business and Personal Finances Separate

Advice for keeping your money in order

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

By Sheiresa Ngo

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Shred, don’t toss, important papers.  Any sensitive documents that won’t be going with you should be shred, not just thrown into a trashcan. Identity thieves often go “dumpster diving” to find information or get paperwork they can use to illegally open accounts in your name.

Personal Finance Word of the Day: Data Breach

Your daily money bite

A data breach does not have to be digital

By Sheiresa Ngo

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money

Consumers Show Gains in Personal Income

Small improvements take place

Consumers demonstrate small improvements when it comes to personal income

By Sheiresa Ngo

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Teri-Williams-one-united-bank

Bank President Talks Importance of Black Money Management

OneUnited Bank recently launched the “Comeback Card” to support the financial comeback many are experiencing in America by helping to build and rebuild credit

What other black banks do you know of?

By Kimberly Wilson

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irs

IRS Makes Changes to Their Service Options

The IRS gets less personal

Changes affect areas such as tax return preparation and tax refund status

By Sheiresa Ngo

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black-woman-shopping

Tips for Keeping Shopping Under Control

Regain control over your cash

Close your wallet

By Sheiresa Ngo

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Credit Cards

US Lagging Behind Globally in Improving Credit Card Security

Merchants prepare for cards with embedded chips that make it harder for thieves to steal personal information

Small business owners may want to prepare for and embrace the change

By Carolyn M. Brown

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Life-Insurance-620x480

Life Insurance 101: The Dos and Dont’s of Buying Life Insurance

Learn about the different types of life insurance

There are different types of permanent life insurance. All of them have a death benefit,…

By Tamara E. Holmes

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woman-on-computer-phone-300x232

U.S. Workers Lose Hope for Higher Wages and Job Security

Don't hold your breath when it comes to improvements on the job

Have you gotten a raise lately or feel insecure about your job status?

By Sheiresa Ngo

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real housewives of atlanta season 6

Financial Lessons From Season Six of Real Housewives of Atlanta

Here are a few financial takeaways from Real Housewives of Atlanta

The Real Housewives of Atlanta are half way through their sixth season

By Sasha King

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debt2

10 Dumb Things We Do With Our Money

We need to unlearn bad habits, not just learn the right financial moves to make

As important as learning what to do with money is knowing what not to do

By Alfred Edmond, Jr.

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flo-rida-white-suit

Rapper Flo-Rida Owes Over a Million in Taxes

A lien has been put on his property by the federal government for the unpaid fees

Tax season isn’t always a good time of year for people

By Sasha King

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man screaming at cell phone

Apple Inc. to Pay More Than $32 Million in Refunds

Billing practices to change

Parents were unaware of charges

By Sheiresa Ngo

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Number of People seeking Unemployment drops to 2008 levels

Jobless Claims Dip to Pre-Thanksgiving Levels

U.S. applications for benefits show a decline

Initial jobless claims went down by 2,000 to 326,000 in the week ending Jan. 11.…

By Sheiresa Ngo

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tax tips

IRS Launching ‘Free File’ on January 17th

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

Choose from several free offerings from leading providers of tax software

By Sheiresa Ngo

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(File)

3 Habits For Better Money Outcomes in 2014

Make sure your money is right or else everything in your life will go wrong

Commit to good habits, not just desired outcomes

By Alfred Edmond, Jr.

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identity theft

More Customers Affected By Target Data Breach

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

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

By Sheiresa Ngo

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credit-card-use

4 Reasons to Ditch Department Store Cards Right Now

Don’t let the promise of rewards points keep you in debt

Why department store cards are a dead end

By Patrice C. Washington

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signing-documents-298x285.jpg

Ways to Save on Car Insurance Costs [Video]

Tips for keeping more cash in your pocket

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

By Sheiresa Ngo

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Swap your gift cards and get things you'll actually want.

How to Replace a Lost or Stolen Gift Card

Don’t panic if your gift card goes missing

If you can prove you purchased a gift card, or received one as a present,…

By Sheiresa Ngo

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"How will my business make money if no one wants to pay?"

Tips on Overcoming and Surviving a Financial Crisis

The best time to overcome a financial crisis is before there is one

Karl Hardesty, CEO of Hardesty LLC, offers tips for overcoming a financial crisis and avoiding…

By C. Daniel Baker

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ATM Keypad

ATM Fraud Explosion Might be Looming

Experts say fraudsters could be set to target ATMs

Skilled criminals are able to attach a skimmer to an ATM in less than a…

By Sheiresa Ngo

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The type of plastic you use matters

Don’t Make These Holiday Credit Mistakes

Don’t let these blunders ruin your holiday

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

By Sheiresa Ngo

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Rodd Herbert (Photo by Kevin Foley)

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

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

Herbert strives to manage finances in the face of declining health

By Sheiresa Ngo

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09WFL-Lachelle_Story1b

Black Enterprise’s Financial Fitness Contest Recap: Lachelle Metcalf Talks 1 Year Later

A look back at 2012 contest winners

Metcalf has made moves toward her financial goals

By Sheiresa Ngo

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retirement

How to Start Your Retirement Planning in an Intelligent Manner

Tips for planning for your golden years

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

By Sheiresa Ngo

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Credit Cards

The Lowdown on Investment Rewards Credit Cards

Weigh the pros and cons before making a decision

Investment rewards credit cards are touted as a savings tool

By Sheryl Nance-Nash

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irs

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

Updates for the new year

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

By Sheiresa Ngo

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woman-computer-internet

FTC Updates Online Complaint Site

Changes are coming to FTC complaint features

The FTC has redesigned its online Complaint Assistant

By Sheiresa Ngo

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coupleoutonadate

Is Mixing Business and Pleasure Worth the Risk?

Workplace love can be magical--or a complete disaster

It’s up to two responsible adults to make wise decisions so they don’t jeopardize their…

By Kenny Pugh

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(File)

Personal Income and Savings Rate Dip, Report Says

Consumers show slight declines

The Bureau of Economic Analysis reports a slight drop in savings and income

By Sheiresa Ngo

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Empty-Wallet-300x232

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

Beware of hidden fees

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

By Tory Parrish

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financial literacy

Bank of America Aims to Improve Financial Literacy with Campaign

Small, simple steps can build money smarts

Many Americans are still not confident when it comes to some aspects of money management

By Sheiresa Ngo

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Black-Christmas-620x480

5 Reasons To Get Real With Your Holiday Spending

It's okay to believe in Santa Claus, as long as you never forget that he won't be paying your bills

Reminders to avoid financial choices that detract from the true spirit of the season

By Alfred Edmond, Jr.

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marriage and money

Are You Financially Dependent On Your Spouse?

What happens when a relationship ends and financial stability is lost?

Whether you are a house wife or a house husband there can be certain risks…

By Sasha King

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piggy bank

Black Enterprise Book Review: “Save Wisely, Spend Happily” by Sharon Lechter

Tips for smart money management

Just about every personal finance topic imaginable is discussed

By Robin White Goode

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feeding america

How to Give the Gift of Meals This Holiday Season

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

Just $28 can feed a family for three weeks

By Darren Sands

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DebtCollection

FTC Warns: “Beware of Fake Debt Collectors”

Don’t get bullied into paying for a debt you might not owe

If you receive a call about a debt you don’t recognize, take action

By Sheiresa Ngo

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money-fans-122312-575hc

Did You Know These Surprising Facts About The World’s Billionaires? [Video]

Juicy tidbits about the world’s richest people

What do today’s billionaires know that you don’t?

By Sheiresa Ngo

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black-couple-and-stack-of-money-378x350

Is Your Financial Mindset About Prosperity—Or Lack?

You may need to change the way you think about money

Do you have a financial mindset?

By Alfred Edmond, Jr.

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(Image: ThinkStock)

Why Your Financial Plan is a Failure [Infographic]

Can't get your money right? The problem might be you

Several factors affect your ability to stay committed to getting your money in order

By Sheiresa Ngo

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Using Criminal Background Checks in Small Businesses

FTC Cracks Down on Phantom Lender

Company accused of collecting on fake loans gets its due

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

By Sheiresa Ngo

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holiday-shopping-sales-e1355955650770

Tips for Staying within Your Holiday Budget

Don’t let seasonal shopping wreck your finances

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

By Sheiresa Ngo

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cyber monday

9 Steps To Protect Yourself From Crooks on Cyber Monday

Don't get ripped off while holiday shopping online

Be careful where you input your information

By Alfred Edmond, Jr.

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Black-Friday-Shopping

Walmart Announces Even Earlier Black Friday Sales

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

The store announced that it will have two major sales events

By Sheiresa Ngo

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

How to Save Money When Starting a Business

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

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

By Sheiresa Ngo

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single-black-women-debt-bankruptcy

Consumer Financial Protection Bureau Prepares to Crack Down on Debt Collectors

New rules may be on the horizon

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

By Sheiresa Ngo

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CoupleWedding620480

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

Get the full picture before merging finances

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

By Kenny Pugh

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holiday-gifts-300x232

Best Times to Buy Holiday Gifts [Infographic]

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

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

By Sheiresa Ngo

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MoneyandHealth

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

Plan participants get to hold on to some of their money

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

By Sheiresa Ngo

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S

Financial Planning Tips for New Entrepreneurs

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

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

By Sheiresa Ngo

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coupons

Top Expert Tips on How to Save With Coupons

Savings and coupon advice from money expert Sami Cone

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

By Sheiresa Ngo

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kanyessa-mcmahon

Wealth Builder Spotlight: The Inspirational Story of Kanyessa McMahon

Learn how this young boss is growing her money through entrepreneurship

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

By Sheiresa Ngo

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

Hurricane Sandy Anniversary: A Primer on Catastrophe Tax Deduction

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

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

By Shandra Hill Smith

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money-house_crop.jpg

Average 30-Year Mortgage Rate Dips to 4.13%

Rates drop the lowest level in four months

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

By Sheiresa Ngo

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WomanComputerCity

Google Helps Consumers Prepare for Digital Afterlife

New feature helps you plan for the future

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

By Alanna Hunter

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Women of Power

(File)

REGISTER NOW: Black Enterprise Women of Power Summit’s 10th Anniversary

It will be a landmark year for the Black Enterprise Women of Power Summit in…

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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.

Read More »