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	<title>BLACK ENTERPRISE &#187; Wealth For Life</title>
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	<link>http://www.blackenterprise.com</link>
	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>Identity Protection Programs: How Do They Stack Up?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/18/identity-protection-programs-how-do-they-stack-up</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/18/identity-protection-programs-how-do-they-stack-up#comments</comments>
		<pubDate>Wed, 18 Nov 2009 18:08:48 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[ID theft]]></category>
		<category><![CDATA[personal banking]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43020</guid>
		<description><![CDATA[You can’t stop identity theft, but you can take measures to protect your personal information. Along with shredding personal documents, regularly checking your credit report for abnormal or unauthorized activity, there are also a number of services available which guarantee to protect consumers against identity theft. But, are they worth it?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/18/identity-protection-programs-how-do-they-stack-up/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>An Eye for Innovation</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/16/an-eye-for-innovation</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/16/an-eye-for-innovation#comments</comments>
		<pubDate>Mon, 16 Nov 2009 07:35:09 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[business innovation]]></category>
		<category><![CDATA[coinstar]]></category>
		<category><![CDATA[DTS]]></category>
		<category><![CDATA[economic recovery]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Moneywise]]></category>
		<category><![CDATA[NetSuite]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40977</guid>
		<description><![CDATA[David E. Saunders II is the very definition of a growth investor. Saunders seeks high returns by owning a piece of companies that are expected to post revenue and earnings growth in the coming years. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/16/an-eye-for-innovation/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Boost Your Credit Score</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/10/boost-your-credit-score-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/10/boost-your-credit-score-2#comments</comments>
		<pubDate>Tue, 10 Nov 2009 16:05:17 +0000</pubDate>
		<dc:creator>Lauren Lea</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42742</guid>
		<description><![CDATA[The rules for boosting credit have not changed in light of the new Credit CARD Act. “The rules have stayed the same: Pay bills on time, keep credit card balances low, and avoid bankruptcy and foreclosure,” says LaToya Irby, credit and debt management expert for About.com.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/10/boost-your-credit-score-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Top 10 Tax Issues to Consider When Your Job Status Changes</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/09/the-top-10-tax-issues-to-consider-when-your-job-status-changes</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/09/the-top-10-tax-issues-to-consider-when-your-job-status-changes#comments</comments>
		<pubDate>Mon, 09 Nov 2009 19:23:36 +0000</pubDate>
		<dc:creator>Vicki Lee Parker</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[sole proprietorship]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40975</guid>
		<description><![CDATA[Many workers have been pushed into self-employment and freelance work this year. A leap into entrepreneurship presents a new set of tax rules.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/09/the-top-10-tax-issues-to-consider-when-your-job-status-changes/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial Expert Learns Hard, Valuable Lesson After ID Theft</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/05/financial-adviser-learned-valuable-lesson-after-id-theft</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/05/financial-adviser-learned-valuable-lesson-after-id-theft#comments</comments>
		<pubDate>Thu, 05 Nov 2009 16:49:59 +0000</pubDate>
		<dc:creator>Letita M. Aaron</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Better Business Bureau]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[ID theft]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42551</guid>
		<description><![CDATA[“I felt violated and victimized,” Harrine Freeman says of the day her purse was stolen from the passenger seat of her locked car at a Hyattsville, Maryland gas station in late July. No one at the busy corner station offered much information after the thief smashed a window and sped off with her house keys, checkbook, driver’s license, car insurance, vehicle registration, nearly $100 in cash, as well as her credit, ATM, and health insurance cards.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/05/financial-adviser-learned-valuable-lesson-after-id-theft/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don’t Be Bamboozled</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/01/dont-be-bamboozled</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/01/dont-be-bamboozled#comments</comments>
		<pubDate>Sun, 01 Nov 2009 06:11:41 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[pretexters]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40973</guid>
		<description><![CDATA[Tips for avoiding financial fraud]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/01/dont-be-bamboozled/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Choose a Financial Planner</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/10/23/how-to-choose-a-financial-planner</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/10/23/how-to-choose-a-financial-planner#comments</comments>
		<pubDate>Fri, 23 Oct 2009 14:26:19 +0000</pubDate>
		<dc:creator>Bridget McCrea</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41625</guid>
		<description><![CDATA[Having the right questions for a planner is critical. Here are six questions to ask financial planners before you decide to work with one.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/10/23/how-to-choose-a-financial-planner/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Finding the Sweet Spot of Investing</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/10/19/finding-the-sweet-spot-of-investing</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/10/19/finding-the-sweet-spot-of-investing#comments</comments>
		<pubDate>Mon, 19 Oct 2009 15:59:06 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41588</guid>
		<description><![CDATA[Here is a collection of investments that can help to minimize the chance of losses while maximizing your portfolio’s earnings.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/10/19/finding-the-sweet-spot-of-investing/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seven Things to Know Before Investing in Rental Property</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/10/15/seven-things-to-know-before-investing-in-rental-property</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/10/15/seven-things-to-know-before-investing-in-rental-property#comments</comments>
		<pubDate>Thu, 15 Oct 2009 18:04:09 +0000</pubDate>
		<dc:creator>Vicki Lee Parker</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[National Association of Realtors]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41230</guid>
		<description><![CDATA[For potential investors who have good credit, savings, and a dose of patience, the time is ripe for being a landlord. Like many potential real estate investors these days, you may be worried that the national trend toward declining property values might crimp your ability to draw income from rental property.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/10/15/seven-things-to-know-before-investing-in-rental-property/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When Two Becomes One</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/10/06/how-to-live-on-one-income</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/10/06/how-to-live-on-one-income#comments</comments>
		<pubDate>Tue, 06 Oct 2009 18:11:43 +0000</pubDate>
		<dc:creator>Sakina P. Spruell</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40622</guid>
		<description><![CDATA[Pat Houston, 38, remains one of the 14.5 million unemployed, according to the July 2009 report from the Bureau of Labor Statistics.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/10/06/how-to-live-on-one-income/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing in the Future</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/10/02/investing-in-the-future-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/10/02/investing-in-the-future-2#comments</comments>
		<pubDate>Fri, 02 Oct 2009 14:02:26 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40625</guid>
		<description><![CDATA[Educating young minds for some 30 years is no small feat. But it was a love for children that inspired Larry and Brenda Breland to become schoolteachers. While educators don’t always get paid their true worth, these native Mississippians managed to retire from the public school system in 2002 with $180,000 combined from their state retirement plans. The couple also owns several rental properties valued at nearly $1 million, which provides about $3,000 in monthly rental income.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/10/02/investing-in-the-future-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Choosing a Contractor</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/01/choosing-a-contractor</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/01/choosing-a-contractor#comments</comments>
		<pubDate>Thu, 01 Oct 2009 17:29:59 +0000</pubDate>
		<dc:creator>Lauren Lea</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home repair]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=39523</guid>
		<description><![CDATA[After experiencing a home break-in this summer, Atlanta residents Jamilia and Charles Smith decided to look for a contractor to repair the damages. During the invasion, a burglar damaged the alarm system, broke the rear door of their home, and tore their flat-screen televisions from the walls in the living room and master suite, causing extensive damage to the walls. But they were soon in for another surprise.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/01/choosing-a-contractor/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Manage Your Tax Obligations</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/09/28/manage-your-tax-obligations</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/09/28/manage-your-tax-obligations#comments</comments>
		<pubDate>Mon, 28 Sep 2009 16:01:29 +0000</pubDate>
		<dc:creator>Vicki Lee Parker</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[career advancement]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40456</guid>
		<description><![CDATA[Thousands of laid-off workers have been pushed into self-employment and freelance work this year. A leap into entrepreneurship presents a new set of tax rules. Here are seven key tax issues to address in the first year of striking out on your own. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/09/28/manage-your-tax-obligations/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Properly Insured?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/08/31/are-you-properly-insured</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/08/31/are-you-properly-insured#comments</comments>
		<pubDate>Mon, 31 Aug 2009 14:53:05 +0000</pubDate>
		<dc:creator>James A. Anderson</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Metlife]]></category>
		<category><![CDATA[New York State Insurance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38641</guid>
		<description><![CDATA[Pushing a pencil to add up just how much life insurance you need isn’t easy. At first glimpse, the math can seem invasive and complicated.  The subject—death—is quite touchy. Add to the discomfort a good measure of guilt and confusion. Still, everyone needs to confront the issue of life insurance. It’s an important financial tool that will assist your family in the event of you untimely demise.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/08/31/are-you-properly-insured/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Avoid the Pitfalls of a Short Sale</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/08/27/how-to-avoid-the-pitfalls-of-a-short-sale</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/08/27/how-to-avoid-the-pitfalls-of-a-short-sale#comments</comments>
		<pubDate>Thu, 27 Aug 2009 13:34:58 +0000</pubDate>
		<dc:creator>Janell Hazelwood</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38888</guid>
		<description><![CDATA[As many distressed homeowners await relief from the White House’s loan modification and refinancing program, a growing number of distressed homeowners are considering a short sale -- or a deal in which the homeowner sells a home for less than the value of the mortgage, with the blessing of his/her lender. Short sales can be good for both buyers and sellers, but there are a few things both parties should be aware of before taking the leap.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/08/27/how-to-avoid-the-pitfalls-of-a-short-sale/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Consumer Advocates Fighting Against &#8216;Legal Loan Sharking&#8217;</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/08/19/consumer-advocates-fighting-against-legal-loan-sharking</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/08/19/consumer-advocates-fighting-against-legal-loan-sharking#comments</comments>
		<pubDate>Wed, 19 Aug 2009 15:27:50 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[payday loan]]></category>
		<category><![CDATA[personal banking]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38622</guid>
		<description><![CDATA[Take a walk through any predominantly black or Latino neighborhood and the signs are unavoidable: “Get Cash Now,” or “Quick Cash Here.” Turn the dial to most urban radio stations and ads touting payday loans play regularly between morning talk and the evening drive.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/08/19/consumer-advocates-fighting-against-legal-loan-sharking/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Making Long-Term Care Plans for Elderly</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/08/18/making-long-term-care-plans-for-elderly</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/08/18/making-long-term-care-plans-for-elderly#comments</comments>
		<pubDate>Tue, 18 Aug 2009 16:32:32 +0000</pubDate>
		<dc:creator>James A. Anderson</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[elder care]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38517</guid>
		<description><![CDATA[People who want to help aging parents can use common sense and a little bit of planning to make a difficult process a bit easier. The right steps, in fact, can also open important options to stretch tight. There are several steps you can take to do the right thing and establish a sure foundation for seniors.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/08/18/making-long-term-care-plans-for-elderly/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How Creative Planning Can Help Beat Costs of Elder Care</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/08/17/how-creative-planning-can-help-beat-costs-of-elder-care</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/08/17/how-creative-planning-can-help-beat-costs-of-elder-care#comments</comments>
		<pubDate>Mon, 17 Aug 2009 16:40:16 +0000</pubDate>
		<dc:creator>James A. Anderson</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[elder care]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38579</guid>
		<description><![CDATA[Just five years ago Jan Bryant, an executive for a non-profit television network, CoLours TV, found herself squeezed into “the sandwich generation”— the legion of adults who are now advancing their careers, starting families of their own, while at the same time turning their attentions to elderly parents.      ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/08/17/how-creative-planning-can-help-beat-costs-of-elder-care/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Save Money on Your Healthcare Costs</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/08/03/save-money-on-your-healthcare-costs</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/08/03/save-money-on-your-healthcare-costs#comments</comments>
		<pubDate>Mon, 03 Aug 2009 15:24:03 +0000</pubDate>
		<dc:creator>Leslie E. Royal</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[flexible spending account]]></category>
		<category><![CDATA[health savings account]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38092</guid>
		<description><![CDATA[There are several options for saving money on healthcare while getting the proper treatment needed.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/08/03/save-money-on-your-healthcare-costs/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Find Lucrative Financial Institution Stocks</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/27/how-to-find-lucrative-financial-institution-stocks</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/27/how-to-find-lucrative-financial-institution-stocks#comments</comments>
		<pubDate>Mon, 27 Jul 2009 13:54:17 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[AIG]]></category>
		<category><![CDATA[American International Group]]></category>
		<category><![CDATA[Citigroup]]></category>
		<category><![CDATA[exchange-traded fund]]></category>
		<category><![CDATA[Wall Street]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37722</guid>
		<description><![CDATA[The recent economic and stock market meltdown started with the implosion of a handful of big banks and Wall Street brokerage firms. And the financial sector continues to feel the pain. Shares of Citigroup (NYSE: C), for example, traded at more than $55 a share in mid-2007 but sell for less than $3 now. American International Group (NYSE: AIG), once considered an outstanding insurance company, has seen its stock plunge by 96% in the past 12 months.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/27/how-to-find-lucrative-financial-institution-stocks/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Black Enterprise Stock Picks Collectively Outperform S&amp;P 500</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/23/black-enterprise-stock-picks-collectively-outperform-sp-500</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/23/black-enterprise-stock-picks-collectively-outperform-sp-500#comments</comments>
		<pubDate>Thu, 23 Jul 2009 15:41:25 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37782</guid>
		<description><![CDATA[Black Enterprise’s stock-picking experts for the first half of 2009 are experiencing higher gains than they would have if they’d invested in a fund that tracks the S&#038;P 500 Index.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/23/black-enterprise-stock-picks-collectively-outperform-sp-500/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Planning for the End</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/07/20/planning-for-the-end</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/07/20/planning-for-the-end#comments</comments>
		<pubDate>Mon, 20 Jul 2009 18:18:37 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[will]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37704</guid>
		<description><![CDATA[In the wake of the sudden death of Michael Jackson, his fans are likely questioning their mortality, but legal experts say they should be questioning the state of their affairs in the event of their own unexpected demise.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/07/20/planning-for-the-end/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Invest in Hot TIPS</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/10/invest-in-hot-tips</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/10/invest-in-hot-tips#comments</comments>
		<pubDate>Fri, 10 Jul 2009 13:36:12 +0000</pubDate>
		<dc:creator>James A. Anderson</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Morningstar]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[TIPS]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37166</guid>
		<description><![CDATA[Perhaps you’ve noticed that the investment landscape has been long on turbulence and short on stability recently. It’s in times like these that investors often seek out shelter in sound, conservative investments such as TIPS, or Treasury Inflation-Protected Securities, U.S. government bonds that go up and down in value to keep pace with inflation. Peace of mind has been a luxury of late.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/07/10/invest-in-hot-tips/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Relief for Student Loan Borrowers</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/07/01/relief-for-student-loan-borrowers</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/07/01/relief-for-student-loan-borrowers#comments</comments>
		<pubDate>Wed, 01 Jul 2009 21:55:37 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Department of Education]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37059</guid>
		<description><![CDATA[College graduates facing mounting student loan debt may find relief in the new Income-Based Repayment plan that took effect Wednesday. Designed to take into account monthly income and family size, graduates with outstanding federal loans can see their minimum payments cut to less than 10% of their earnings.
"We know many graduates are concerned about their [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/07/01/relief-for-student-loan-borrowers/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Is Now the Time to Buy Real Estate?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/07/01/is-now-the-time-to-buy-real-estate</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/07/01/is-now-the-time-to-buy-real-estate#comments</comments>
		<pubDate>Wed, 01 Jul 2009 14:55:55 +0000</pubDate>
		<dc:creator>Bridget McCrea</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36154</guid>
		<description><![CDATA[If you believe in the investment philosophy “buy low and sell high,” then you’re probably already starting to wonder if now is the right time to begin buying real estate. The market is flush with foreclosures (homes that have already “gone back” to the bank/lender) and short sales (those ripe for negotiation with lenders that have yet to “take back” the homes through the foreclosure process), both of which present good opportunities for investors looking for a beneficial place to put their money.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/07/01/is-now-the-time-to-buy-real-estate/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Tackling the Black-White Wealth Gap</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/06/30/tackling-the-black-white-wealth-gap</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/06/30/tackling-the-black-white-wealth-gap#comments</comments>
		<pubDate>Tue, 30 Jun 2009 18:21:01 +0000</pubDate>
		<dc:creator>Joyce Jones</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36947</guid>
		<description><![CDATA[The Joint Center for Political and Economic Studies convened a group of economic, community, and political leaders Monday to confront the persistent wealth gap between blacks and whites. The statistics cited by these experts were dire.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/06/30/tackling-the-black-white-wealth-gap/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>College Finance 101: A Money-Saving Crash Course for Parents</title>
		<link>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/25/college-finance-101-a-money-saving-crash-course-for-parents-5</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/25/college-finance-101-a-money-saving-crash-course-for-parents-5#comments</comments>
		<pubDate>Thu, 25 Jun 2009 14:37:10 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[College Savings]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[higher learning]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[SAT]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36610</guid>
		<description><![CDATA[In the closing portion of this crash course, we encourage parents and students to be resourceful in their thinking. To help, we offer a final collection of creative tips to help you whittle away at the high cost of college. If there’s anything we’ve neglected to mention, we hope you’ll share some of your own [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/25/college-finance-101-a-money-saving-crash-course-for-parents-5/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>College Finance 101: A Money-Saving Crash Course for Parents</title>
		<link>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/25/college-finance-101-a-money-saving-crash-course-for-parents-4</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/25/college-finance-101-a-money-saving-crash-course-for-parents-4#comments</comments>
		<pubDate>Thu, 25 Jun 2009 14:35:15 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[College Savings]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36614</guid>
		<description><![CDATA[HBCU1

It’s great that you’re still basking in the warm, proud glow of your child’s high school graduation. Brace yourself, though. Come autumn, the cold realities of paying for college are sure to come rushing in. As you’re no doubt aware, higher learning comes at a high price. The latest report from the College Board puts average total charges at $14,333 a year for public colleges and $34,132 for private schools. But there’s no need to worry.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/25/college-finance-101-a-money-saving-crash-course-for-parents-4/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>College Finance 101: A Money-Saving Crash Course for Parents</title>
		<link>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/24/college-finance-101-a-money-saving-crash-course-for-parents-3</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/24/college-finance-101-a-money-saving-crash-course-for-parents-3#comments</comments>
		<pubDate>Wed, 24 Jun 2009 17:17:26 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[College Savings]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36602</guid>
		<description><![CDATA[To save on room and board, consider a housing purchase. One way to trim this cost—and possibly turn a profit—is to buy your child a place to live near campus. In many markets, housing prices are appealingly low, even in some college towns. When your student graduates, you might sell the property at a gain.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/24/college-finance-101-a-money-saving-crash-course-for-parents-3/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>College Finance 101: A Money-Saving Crash Course for Parents</title>
		<link>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/23/college-finance-101-a-money-saving-crash-course-for-parents-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/23/college-finance-101-a-money-saving-crash-course-for-parents-2#comments</comments>
		<pubDate>Tue, 23 Jun 2009 16:35:51 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[College Savings]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36532</guid>
		<description><![CDATA[Most students finance their education with borrowed funds. According to FinAid.org, 65.6% of students graduate with education debt, and of students who attend private college, 72.8% graduate with debt. The average amount of money owed by African American students leaving school is $19,800. For those who don’t have enough ready cash, Uncle Sam has a federal loan program that may provide an answer, but it pays to be an educated consumer.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/23/college-finance-101-a-money-saving-crash-course-for-parents-2/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>College Finance 101: A Money-Saving Crash Course for Parents</title>
		<link>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/22/college-finance-101-a-money-saving-crash-course-for-parents</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/22/college-finance-101-a-money-saving-crash-course-for-parents#comments</comments>
		<pubDate>Mon, 22 Jun 2009 16:14:07 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[College Savings]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36518</guid>
		<description><![CDATA[It’s great that you’re still basking in the warm, proud glow of your child’s high school graduation. Brace yourself, though. Come autumn, the cold realities of paying for college are sure to come rushing in. As you’re no doubt aware, higher learning comes at a high price. The latest report from the College Board puts average total charges at $14,333 a year for public colleges and $34,132 for private schools. But there’s no need to worry.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/college-savings/2009/06/22/college-finance-101-a-money-saving-crash-course-for-parents/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Fair Access to Mortgages Still Illusive for Minority Women</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/06/12/fair-access-to-mortgages-still-illusive-for-minority-women</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/06/12/fair-access-to-mortgages-still-illusive-for-minority-women#comments</comments>
		<pubDate>Fri, 12 Jun 2009 17:45:29 +0000</pubDate>
		<dc:creator>Janell Hazelwood</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=36050</guid>
		<description><![CDATA[African American and Hispanic women continue to receive disparate treatment in the mortgage lending process, according to a new report from the National Council of Negro Women.
The report, “Assessing the Double Burden: Examining Racial and Gender Disparities in Mortgage Lending,” indicates that in many cases, disparities by race widened as income levels increased -- one [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/06/12/fair-access-to-mortgages-still-illusive-for-minority-women/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The SEC’s New IDEA to Help Investors</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/06/11/the-sec%e2%80%99s-new-idea-to-help-investors</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/06/11/the-sec%e2%80%99s-new-idea-to-help-investors#comments</comments>
		<pubDate>Thu, 11 Jun 2009 20:48:52 +0000</pubDate>
		<dc:creator>Vicki Lee Parker</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Securities and Exchange Commission]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=35625</guid>
		<description><![CDATA[The Securities and Exchange Commission will unveil a new financial reporting system that it claims will lend clarity to public financial filings and make it easier, quicker, and cheaper for investors to access tangible data about the companies and funds in which they’re invested.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/06/11/the-sec%e2%80%99s-new-idea-to-help-investors/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How New Credit Card Reform Affects You</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/06/03/how-the-new-credit-card-reform-affects-you</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/06/03/how-the-new-credit-card-reform-affects-you#comments</comments>
		<pubDate>Wed, 03 Jun 2009 19:49:07 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=35615</guid>
		<description><![CDATA[With economic conditions taking a hit over the past several months, consumers found solace in credit cards, filling a financial void created by salary cuts, layoffs, skyrocketing bills, and unemployment. Credit card companies notably, upped the ante hiking interest rates along with other unfair practices that forced Capitol Hill to clamp down on the issuers.
In [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/06/03/how-the-new-credit-card-reform-affects-you/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>When Bankruptcy is Best</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/06/03/when-bankruptcy-is-best</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/06/03/when-bankruptcy-is-best#comments</comments>
		<pubDate>Wed, 03 Jun 2009 13:36:04 +0000</pubDate>
		<dc:creator>Cliff Hocker</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Chapter 11]]></category>
		<category><![CDATA[Chrysler]]></category>
		<category><![CDATA[General Motors]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=35599</guid>
		<description><![CDATA[Chrysler and General Motors have done what was previously unthinkable – filed for bankruptcy. Even for your small business, there may be circumstances where bankruptcy is your best option. Chapter 11 bankruptcy protection is a tool that can be used to help a struggling company survive bad times.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/06/03/when-bankruptcy-is-best/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Can Still Get a Mortgage</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/21/you-can-still-get-a-mortgage</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/21/you-can-still-get-a-mortgage#comments</comments>
		<pubDate>Thu, 21 May 2009 15:20:07 +0000</pubDate>
		<dc:creator>Chana Garcia</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Federal Housing Authority]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=35081</guid>
		<description><![CDATA[Bankers, brokers, and swindlers aren’t the only ones to blame for the subprime mortgage mess. Homeowners who purchased houses they couldn’t afford in the snatch-and-grab real estate rush of the late ’90s and early 2000s also played a key role.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/21/you-can-still-get-a-mortgage/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Top Stock Picks of Some of BE’s Young Investors</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/05/18/top-stock-picks-of-some-of-bes-young-investors</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/05/18/top-stock-picks-of-some-of-bes-young-investors#comments</comments>
		<pubDate>Mon, 18 May 2009 19:19:23 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Intel]]></category>
		<category><![CDATA[Oracle]]></category>
		<category><![CDATA[Procter & Gamble]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=34975</guid>
		<description><![CDATA[Confident in the market’s recovery, many young investors have ventured into stocks with a buy low and hold strategy. You’ve read what they had to say about getting started, now, check out their favorite stocks picks. Charles Weems, 27, Erika Smith, 25, Andrew Simon, 23, and Kevin Njeru, 18, share their top funds as financial [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/05/18/top-stock-picks-of-some-of-bes-young-investors/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Foreclosure Lifelines</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/11/foreclosure-lifelines</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/11/foreclosure-lifelines#comments</comments>
		<pubDate>Mon, 11 May 2009 16:50:30 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[RealtyTrac]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=32558</guid>
		<description><![CDATA[Nearly one in three Americans, or 31%, say they know someone who has already lost their home to foreclosure, according to a survey by legal information site FindLaw.com. In addition, the survey found that one in four Americans, or 27%, say they know someone who is currently going through the foreclosure process.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/05/11/foreclosure-lifelines/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Get Schooled On Thriving in Hard Times</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/05/08/get-schooled-on-thriving-in-hard-times</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/05/08/get-schooled-on-thriving-in-hard-times#comments</comments>
		<pubDate>Fri, 08 May 2009 15:34:10 +0000</pubDate>
		<dc:creator>Cliff Hocker</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Great Depression]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=31977</guid>
		<description><![CDATA[When thinking about how today's financially-stressed African Americans can update the survival strategies of earlier generations of blacks, Dr. Cecilia A. Conrad keeps returning to the economic significance of the old-fashioned rent party.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/05/08/get-schooled-on-thriving-in-hard-times/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Former Fed Governor Sees Light at the End of the Tunnel</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/05/04/former-fed-governor-sees-light-at-the-end-of-the-tunnel</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/05/04/former-fed-governor-sees-light-at-the-end-of-the-tunnel#comments</comments>
		<pubDate>Mon, 04 May 2009 21:48:22 +0000</pubDate>
		<dc:creator>Alan Hughes</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Roger Ferguson]]></category>
		<category><![CDATA[TIAA-CREF]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=31726</guid>
		<description><![CDATA[Roger W. Ferguson, CEO of financial services giant TIAA-CREF and one of the nation's leading economists, was recently named to President Obama’s Economic Recovery Advisory Board, the influential body charged with providing recommendations on remaking America’s battered economy.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/05/04/former-fed-governor-sees-light-at-the-end-of-the-tunnel/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Hard Lessons in Education Funding</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/04/27/hard-lessons-in-education-funding-101</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/04/27/hard-lessons-in-education-funding-101#comments</comments>
		<pubDate>Mon, 27 Apr 2009 14:47:58 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[Howard University]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30588</guid>
		<description><![CDATA[Toward the end of the 2007 fall semester, Erin Jackson went from tears of joy to tears of sorrow when she was forced to withdraw from Howard University, her dream school, after only one semester of studies. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/04/27/hard-lessons-in-education-funding-101/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Three Reasons Why Small Banks Are a Big Hit</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/04/24/3-reasons-why-small-banks-are-a-big-hit</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/04/24/3-reasons-why-small-banks-are-a-big-hit#comments</comments>
		<pubDate>Fri, 24 Apr 2009 17:09:49 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[community banks]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30482</guid>
		<description><![CDATA[The banking industry’s problems are well known—perhaps too much so. Fortunately, though, consumers have choices that go beyond big, super-sized financial institutions: community banks. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/04/24/3-reasons-why-small-banks-are-a-big-hit/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>HBCU Students Seek More Avenues for Funding</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/04/23/hbcu-students-seek-more-avenues-for-funding</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/04/23/hbcu-students-seek-more-avenues-for-funding#comments</comments>
		<pubDate>Thu, 23 Apr 2009 15:18:36 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[HBCU]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30407</guid>
		<description><![CDATA[Audia Cook, a sophomore at Hampton University (No. 4 on the Black Enterprise Top 50 Colleges for African Americans list), passed up an opportunity to apply for an internship this summer as a pharmaceuticals sales representative with Blue Care Network of Michigan. She says waitressing will allow her a better chance to enroll next fall.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/04/23/hbcu-students-seek-more-avenues-for-funding/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Is The Stock Market Rebound Real?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/04/20/is-the-stock-market-rebound-real</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/04/20/is-the-stock-market-rebound-real#comments</comments>
		<pubDate>Mon, 20 Apr 2009 15:09:14 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30259</guid>
		<description><![CDATA[A six-week rally in the stock market is creating new optimism among investors. Since its low on March 9, the Dow Jones Industrial Average has jumped 24%. Better-than-expected earnings reports from firms such as JPMorgan Chase &#038; Co., Goldman Sachs Group, and Wells Fargo are helping to power the upswing. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/04/20/is-the-stock-market-rebound-real/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>HBCU Financial Forecast: Part I</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/04/17/hbcu-financial-forecast-part-i</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/04/17/hbcu-financial-forecast-part-i#comments</comments>
		<pubDate>Fri, 17 Apr 2009 14:36:58 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[endowment]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[funding]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=29537</guid>
		<description><![CDATA[The country’s economic quagmire has reached far beyond Wall Street to the hallowed halls of academe. Take for example recent news that Harvard University is planning “across-the-board” budget cuts. If the Ivy League school, which has a $36.9 billion endowment, is in trouble, imagine the situation at minority-serving institutions, whose endowments are a small fraction of Harvard’s.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/04/17/hbcu-financial-forecast-part-i/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>In a Declining Market, Forward Thinking Could Pay Off</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/04/13/in-a-declining-market-forward-thinking-could-pay-off</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/04/13/in-a-declining-market-forward-thinking-could-pay-off#comments</comments>
		<pubDate>Mon, 13 Apr 2009 13:52:24 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Danny Freeman]]></category>
		<category><![CDATA[Darda Wealth Management]]></category>
		<category><![CDATA[Gwendolyn V. Kirkland]]></category>
		<category><![CDATA[Kirkland]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[Turnbo & Associates]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=28787</guid>
		<description><![CDATA[Don’t panic. Stay the course and focus on your long-term goals. This continues to be the rallying cry of financial gurus during today’s market mayhem.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/04/13/in-a-declining-market-forward-thinking-could-pay-off/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Closing the Wealth Gap</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/04/09/closing-the-wealth-gap</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/04/09/closing-the-wealth-gap#comments</comments>
		<pubDate>Thu, 09 Apr 2009 14:58:28 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[unemployment]]></category>
		<category><![CDATA[wealth gap]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=29504</guid>
		<description><![CDATA[Even before the financial crisis hit Wall Street, the net worth of the average American family was spiraling downward over the past six years. If that’s not bad enough, the gap between the wealth of white Americans and African Americans not only remains wide, it has grown.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/04/09/closing-the-wealth-gap/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Voices of Economic Survival</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/04/07/voices-of-economic-survival</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/04/07/voices-of-economic-survival#comments</comments>
		<pubDate>Tue, 07 Apr 2009 15:08:57 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Great Depression]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=29250</guid>
		<description><![CDATA[As bad as the economy has gotten in the past few months, the hardships many are encountering pale in comparison with the challenges endured by those who lived through the Great Depression. Between 1929 and the early 1940s, Americans suffered the longest, most devastating economic period in history. Self-sufficiency was the key to getting through those tough times, survivors say, and the importance of saving was the greatest lesson.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/04/07/voices-of-economic-survival/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Summer Camp Teaches Teens Ingenuity, Enterprise, Integrity</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/04/01/summer-camp-teaches-teens-ingenuity-enterprise-integrity</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/04/01/summer-camp-teaches-teens-ingenuity-enterprise-integrity#comments</comments>
		<pubDate>Wed, 01 Apr 2009 18:53:56 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Brian Jenkins]]></category>
		<category><![CDATA[Entrenuity Summer Business Camp]]></category>
		<category><![CDATA[Speed Alley]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=28525</guid>
		<description><![CDATA[Many high school students plan their summer vacations around what malls, beaches, and amusement parks they plan to visit. But thanks to Brian Jenkins, some 450 teens across the nation will get the chance to maximize their business capital when they apply to compete at the 2009 Entrenuity Summer Business Camp at Wheaton College in Illinois this summer.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/04/01/summer-camp-teaches-teens-ingenuity-enterprise-integrity/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>National Urban League Report Finds Blacks Continue to Lag</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/03/25/national-urban-league-report-finds-blacks-continue-to-lag</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/03/25/national-urban-league-report-finds-blacks-continue-to-lag#comments</comments>
		<pubDate>Wed, 25 Mar 2009 20:20:42 +0000</pubDate>
		<dc:creator>Joyce Jones</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Barack Obama]]></category>
		<category><![CDATA[National Urban League]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=28393</guid>
		<description><![CDATA[
Blacks are twice as likely as whites to be unemployed; three ties more likely to live in poverty; and more than six times as likely to be incarcerated, according to the National Urban League’s annual “State of Black America” report.
The report, released today, examines the socio-economic differences between blacks and whites in such areas as [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/03/25/national-urban-league-report-finds-blacks-continue-to-lag/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Robbing Peter to Pay Paul</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/03/24/robbing-peter-to-pay-paul</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/03/24/robbing-peter-to-pay-paul#comments</comments>
		<pubDate>Tue, 24 Mar 2009 15:04:29 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[Bernard Madoff]]></category>
		<category><![CDATA[Charles Ponzi]]></category>
		<category><![CDATA[investment fraud]]></category>
		<category><![CDATA[Ponzi scam]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[U.S. Securities & Exchange Commission]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=28283</guid>
		<description><![CDATA[News about the $65 billion Ponzi scheme perpetrated by former NASDAQ chairman Bernard Madoff has set off the alarms in people’s heads about investment fraud. While Ponzi schemes have been around for nearly a century, people continue to fall prey to the false promises of their promoters. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/03/24/robbing-peter-to-pay-paul/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Empowerment Experiment Shines Light on Black Business Blight</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/03/20/empowerment-experiment-shines-light-on-black-business-blight</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/03/20/empowerment-experiment-shines-light-on-black-business-blight#comments</comments>
		<pubDate>Fri, 20 Mar 2009 15:40:10 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[consumer issues]]></category>
		<category><![CDATA[economic empowerment]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[self-determination]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=28044</guid>
		<description><![CDATA[Like many other blacks in Illinois who live in areas where mainstream grocery stores are absent or distant, Maggie Anderson travels quite a distance to find a grocery store that sells fresh food. The difference is Anderson doesn’t live in a food desert. She travels 14 miles into Chicago’s inner city to Farmers Best Market because it is black-owned. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/03/20/empowerment-experiment-shines-light-on-black-business-blight/feed</wfw:commentRss>
		<slash:comments>53</slash:comments>
		</item>
		<item>
		<title>HUD Outlines Homeowners&#8217; Rescue Plan</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/03/16/hud-outlines-homeowners-rescue-plan</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/03/16/hud-outlines-homeowners-rescue-plan#comments</comments>
		<pubDate>Mon, 16 Mar 2009 18:07:09 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[subprime loans]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=27459</guid>
		<description><![CDATA[
If you’re one of the seven to nine million homeowners whose monthly mortgage payments are taking their toll, the Obama administration’s Homeowner Affordability and Stability Plan, could help you refinance that loan into more affordable payments. This plan will be crucial to many black families who were disproportionately targeted by subprime loans.
“We’ve got to make [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/03/16/hud-outlines-homeowners-rescue-plan/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>1. I Will Live Within My Means</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-live-within-my-means</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-live-within-my-means#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:37:04 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26958</guid>
		<description><![CDATA[Many people get into a bad habit of spending more than they earn or spending money on items they want rather than on those they need. In turn, they get trapped in more debt than they can handle.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-live-within-my-means/feed</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>2. I Will Maximize My Income Potential Through Education and Training</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-maximize-my-income-potential-through-education-and-training</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-maximize-my-income-potential-through-education-and-training#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:35:15 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[Five O'clock Club]]></category>
		<category><![CDATA[Karen D. Bowser]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26941</guid>
		<description><![CDATA[In today’s swelling jobless environment, most people are trying to batten down the hatches, hoping to hang on to their current employment and to avoid rocking the boat. Who would dare request a raise or seek a promotion? In fact, a number of companies have asked employees to take a salary reduction to help the company survive this economic tsunami.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-maximize-my-income-potential-through-education-and-training/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>3. I Will Effectively Manage my Budget, Credit, Debt, and Tax Obligations</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-effectively-manage-my-budget-credit-debt-and-tax-obligations</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-effectively-manage-my-budget-credit-debt-and-tax-obligations#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:30:25 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[philanthropy]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26960</guid>
		<description><![CDATA[Regardless if you earn $45,000 or hundreds of thousands of dollars a year, a budget is the most important step you can take toward putting your money to work for you instead of being controlled by it. A budget will reveal how much disposable income you have to save.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-effectively-manage-my-budget-credit-debt-and-tax-obligations/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
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		<item>
		<title>4. I Will Save At Least 10% of My Income</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-save-at-least-10-of-my-income</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-save-at-least-10-of-my-income#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:25:41 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26963</guid>
		<description><![CDATA[It’s not enough to just make ends meet with the salary you are earning. You need to be able to sock away a portion of you income for savings and investments—at least 10% of your take-home pay. In addition, you need to invest 15% of your income in a 401k or other retirement plans.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-save-at-least-10-of-my-income/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<item>
		<title>5. I Will Use Homeownership as a Foundation for Building Wealth</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-use-homeownership-as-a-foundation-for-building-wealth</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-use-homeownership-as-a-foundation-for-building-wealth#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:21:59 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26973</guid>
		<description><![CDATA[While these are uncertain economic times, financial experts agree that owning a home is still a key cornerstone in accumulating assets that are likely to appreciate over time. Real estate moves in cycles with its ups and downs.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-use-homeownership-as-a-foundation-for-building-wealth/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>6. I Will Devise an Investment Plan for My Retirement Needs and Childrens&#8217; Education</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-devise-an-investment-plan-for-my-retirement-needs-and-childrens-education</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-devise-an-investment-plan-for-my-retirement-needs-and-childrens-education#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:18:57 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26987</guid>
		<description><![CDATA[The reality is that your chances of building wealth are optimized when you invest. It doesn’t matter if there is economic or stock market mayhem, you should never retreat from saving and investing for your future and that of your loved ones. You need to devise a plan with the goal in mind of being able to provide for your family without worry as well as to retire hassle-free, say financial experts.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-devise-an-investment-plan-for-my-retirement-needs-and-childrens-education/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>7. I Will Ensure That My Entire Family Adheres to Sensible Money Management Principles</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-ensure-that-my-entire-family-adheres-to-sensible-money-management-principles</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-ensure-that-my-entire-family-adheres-to-sensible-money-management-principles#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:15:09 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=27051</guid>
		<description><![CDATA[Talking about money matters at the dinner table may not have been polite conversation long years past. But the bombardment of news about the economy and market has forced many families to face facts and talk up. More than ever you need to work on the household finances as one cohesive unit.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-ensure-that-my-entire-family-adheres-to-sensible-money-management-principles/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>8. I Will Support the Creation and Growth of Minority-Owned Businesses</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-support-the-creation-and-growth-of-minority-owned-businesses</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-support-the-creation-and-growth-of-minority-owned-businesses#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:10:51 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[EuQuant]]></category>
		<category><![CDATA[Thomas Boston]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26988</guid>
		<description><![CDATA[Disposable income in the black community is still on the rise. Black buying power today is $913 billion strong and is predicted to reach an all-time high of $1.2 trillion by 2013. Yet, studies show that African Americans spend only five cents out of every dollar with black-owned businesses.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-support-the-creation-and-growth-of-minority-owned-businesses/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>9. I Will Guarantee My Wealth is Passed On To Future Generations Through Proper Insurance and Estate Planning</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-guarantee-my-wealth-is-passed-on-to-future-generations-through-proper-insurance-and-estate-planning</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-guarantee-my-wealth-is-passed-on-to-future-generations-through-proper-insurance-and-estate-planning#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:05:43 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=27041</guid>
		<description><![CDATA[Let’s face it: Nobody lives forever. No matter how much you want to deny it, you need to prepare for this fateful event. Your loved ones will have some tough and critical decisions to make, from handling funeral arrangements to managing your financial matters.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-guarantee-my-wealth-is-passed-on-to-future-generations-through-proper-insurance-and-estate-planning/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>10. I Will Strengthen my Community Through Philanthropy</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-strengthen-my-community-through-philanthropy</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-strengthen-my-community-through-philanthropy#comments</comments>
		<pubDate>Fri, 13 Mar 2009 18:00:51 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[philanthropy]]></category>
		<category><![CDATA[wealth-building]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26993</guid>
		<description><![CDATA[Contrary to some people’s perceptions, you don’t have to have the big bucks like Oprah Winfrey or Bill Gates to be philanthropic. “Philanthropy is about giving of one’s time, talents and treasures,” says Diane Bell McKoy, president and CEO of Associated Black Charities. “Giving back is born out our faith and family traditions.”]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2009/03/13/i-will-strengthen-my-community-through-philanthropy/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Survey Finds Disconnect Between Beliefs and Financial Planning for Blacks</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/02/26/survey-finds-disconnect-between-beliefs-and-financial-planning-for-blacks</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/02/26/survey-finds-disconnect-between-beliefs-and-financial-planning-for-blacks#comments</comments>
		<pubDate>Thu, 26 Feb 2009 16:20:36 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[Nationwide]]></category>
		<category><![CDATA[Tavis Smiley]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=25825</guid>
		<description><![CDATA[Released today, the Nationwide Insurance and Tavis Smiley Consumer Survey identified disturbing trends behind what blacks believe and how they react to financial planning and economic empowerment.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/02/26/survey-finds-disconnect-between-beliefs-and-financial-planning-for-blacks/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Eliminating Red Flags on Your Tax Return</title>
		<link>http://www.blackenterprise.com/wealth-for-life/taxes/2009/02/25/eliminating-red-flags-on-your-tax-return</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/taxes/2009/02/25/eliminating-red-flags-on-your-tax-return#comments</comments>
		<pubDate>Wed, 25 Feb 2009 17:37:27 +0000</pubDate>
		<dc:creator>Margarette Burnette</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[audit]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=25805</guid>
		<description><![CDATA[Getting audited is probably not on your list of goals for this year. However, if you’re sloppy with your tax returns, you’re practically asking for a review from the IRS.  To reduce the red flags on your paperwork, here’s what certified public accounts (CPAs) and enrolled agents (EAs, or tax professionals who are licensed to represent clients before the IRS) say you need to watch out for:]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/taxes/2009/02/25/eliminating-red-flags-on-your-tax-return/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Books and Web Resources for Investment Success</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2009/02/10/women-money-books-and-web-resources-for-investment-success</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2009/02/10/women-money-books-and-web-resources-for-investment-success#comments</comments>
		<pubDate>Tue, 10 Feb 2009 19:11:22 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[H.E. Freeman Enterprises]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=24315</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part “Women &#038; Money” series. In our final installment, Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, offers some great books and Web resources to check out before you decide to invest your money.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2009/02/10/women-money-books-and-web-resources-for-investment-success/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: When to File Bankruptcy</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/02/05/women-money-when-to-file-bankruptcy</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/02/05/women-money-when-to-file-bankruptcy#comments</comments>
		<pubDate>Thu, 05 Feb 2009 21:10:11 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=24140</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part “Women &#038; Money” series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/02/05/women-money-when-to-file-bankruptcy/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Opportunity Knocks</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/02/01/opportunity-knocks-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/02/01/opportunity-knocks-2#comments</comments>
		<pubDate>Sun, 01 Feb 2009 19:03:00 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[wealthbuilding]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26444</guid>
		<description><![CDATA[ Wealth For Life Principle No. 5: I will use homeownership as a foundation for building wealth.
Tyre Sperling dreamed of owning his own home as early as his senior year at Florida A&#38;M University. The Los Angeles native graduated in 2005 and moved to the South a year later. “I couldn’t afford a home in [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/02/01/opportunity-knocks-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Your Finances at Your Life Stage</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/29/woman-money-your-finances-at-your-life-stage</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/29/woman-money-your-finances-at-your-life-stage#comments</comments>
		<pubDate>Thu, 29 Jan 2009 18:54:30 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23534</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/29/woman-money-your-finances-at-your-life-stage/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Conflict Resolution for Your Financial Woes</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/28/women-money-conflict-resolution-for-your-financial-woes</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/28/women-money-conflict-resolution-for-your-financial-woes#comments</comments>
		<pubDate>Wed, 28 Jan 2009 15:12:31 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[conflict]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23469</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/28/women-money-conflict-resolution-for-your-financial-woes/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: When &#8216;Mine&#8217; Becomes &#8216;His &amp; Hers&#8217;</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/27/women-money-when-mine-becomes-his-hers</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/27/women-money-when-mine-becomes-his-hers#comments</comments>
		<pubDate>Tue, 27 Jan 2009 14:30:32 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23417</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/27/women-money-when-mine-becomes-his-hers/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Handling Your Spouse&#8217;s Financial Missteps</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/26/women-money-handling-your-spouses-financial-missteps</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/26/women-money-handling-your-spouses-financial-missteps#comments</comments>
		<pubDate>Mon, 26 Jan 2009 20:46:27 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23379</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/26/women-money-handling-your-spouses-financial-missteps/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Tips for Financial Empowerment</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/23/women-money-tips-for-financial-empowerment-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/23/women-money-tips-for-financial-empowerment-2#comments</comments>
		<pubDate>Fri, 23 Jan 2009 17:49:44 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[H.E. Freeman Enterprises]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[salary]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23228</guid>
		<description><![CDATA[Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/23/women-money-tips-for-financial-empowerment-2/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Tips for Financial Empowerment</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/22/women-money-tips-for-financial-empowerment</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/22/women-money-tips-for-financial-empowerment#comments</comments>
		<pubDate>Thu, 22 Jan 2009 14:45:51 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23168</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part Women &#038; Money series.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/22/women-money-tips-for-financial-empowerment/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Planning, Diligence Key in Re-entering Workforce after Retirement</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2009/01/21/planning-diligence-key-in-re-entering-workforce-after-retirement</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2009/01/21/planning-diligence-key-in-re-entering-workforce-after-retirement#comments</comments>
		<pubDate>Wed, 21 Jan 2009 18:46:19 +0000</pubDate>
		<dc:creator>Margarette Burnette</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[First Genesis Financial Group]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Steven Sanders]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23147</guid>
		<description><![CDATA[If you're a retiree who has been receiving Social Security benefits, pension payments, or distributions from retirement accounts, a return to the workforce could cause a complicated tax situation. To prevent any unwelcome surprises, ask yourself a few questions before accepting a new job.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2009/01/21/planning-diligence-key-in-re-entering-workforce-after-retirement/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Pay Down Debt, Plan for Success</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/01/06/pay-down-debt-plan-for-success</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/01/06/pay-down-debt-plan-for-success#comments</comments>
		<pubDate>Tue, 06 Jan 2009 17:56:24 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=22230</guid>
		<description><![CDATA[Grappling with excessive debt or poor money management skills is no easy task. As the economy continues to contract, credit card companies lowering credit limits, and job security tenuous, keeping track of your money and wealth is paramount.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/01/06/pay-down-debt-plan-for-success/feed</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Did They Cause the Credit Crisis?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/01/01/did-they-cause-the-credit-crisis-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/01/01/did-they-cause-the-credit-crisis-2#comments</comments>
		<pubDate>Thu, 01 Jan 2009 19:04:30 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[credit crisis]]></category>
		<category><![CDATA[housing crisis]]></category>
		<category><![CDATA[subprime lending]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26453</guid>
		<description><![CDATA[ The loud, angry chorus of blame began almost immediately. As big banks and brokerage houses crumbled, and the financial markets spiraled downward last fall, observers searched for someplace—anyplace—to cast culpability. Was it greedy lenders? Lax regulators? Money-hungry Wall Streeters? For some political conservatives, none of those familiar culprits would do. For them, one group [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/01/01/did-they-cause-the-credit-crisis-2/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What You Should Know Before Filing for Bankruptcy</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2#comments</comments>
		<pubDate>Fri, 26 Dec 2008 16:10:02 +0000</pubDate>
		<dc:creator>Ilana Polyak</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=21778</guid>
		<description><![CDATA[It was the daily flood of phone calls that finally did it. They became so overwhelming that Sabrina Young stopped answering her phone and resolved to give out her phone number to family, friends, and a few chosen others. As many as four creditors a day would call, demanding payment.

]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Your Home Maintenance Checklist</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-maintenance-checklist</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-maintenance-checklist#comments</comments>
		<pubDate>Mon, 22 Dec 2008 18:14:27 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Consumer Reports]]></category>
		<category><![CDATA[home maintenance]]></category>
		<category><![CDATA[National Center for Healthy Housing]]></category>
		<category><![CDATA[True Value Co.]]></category>
		<category><![CDATA[Unigard Insurance Group]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=21107</guid>
		<description><![CDATA[Routine home maintenance is essential to keeping your house running and preventing minor problems from turning into major headaches. Proper home inspection can also increase the efficiency of your house and appliances. “If you don’t [maintain your house] there’s a risk of becoming sick or even dying in your home,” says Rebecca Morley, executive director of the National Center for Healthy Housing, a home research organization.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-maintenance-checklist/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Home Insurance Checklist</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-insurance-checklist</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-insurance-checklist#comments</comments>
		<pubDate>Mon, 22 Dec 2008 18:14:27 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[C.L.U.E.]]></category>
		<category><![CDATA[Comprehensive Loss Underwriting Exchange]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[State Farm Insurance Co.]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=21123</guid>
		<description><![CDATA[Your home is your castle, and probably your biggest investment. So, it’s essential that whatever homeowners insurance you have or plan to purchase covers all your needs. Coverage protects you in case a fire or hurricane destroys your house or “even for smaller items like if someone burglarizes your home,” says Loretta Worters, vice president of communications at the Insurance Information Institute. It can also protect you in the case of liability for any accidents on your property.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/12/22/your-home-insurance-checklist/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Give Yourself A Holiday Tax Gift</title>
		<link>http://www.blackenterprise.com/wealth-for-life/taxes/2008/12/12/give-yourself-a-holiday-tax-gift</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/taxes/2008/12/12/give-yourself-a-holiday-tax-gift#comments</comments>
		<pubDate>Fri, 12 Dec 2008 15:09:25 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[exchange-traded fund]]></category>
		<category><![CDATA[wash sale]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=19710</guid>
		<description><![CDATA[It’s not too late to trim your tax bill for 2008. Here’s what you can do now:]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/taxes/2008/12/12/give-yourself-a-holiday-tax-gift/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>An Alternative to Credit: Layaway</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway#comments</comments>
		<pubDate>Wed, 10 Dec 2008 16:07:27 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Burlington Coat Factory]]></category>
		<category><![CDATA[layaway]]></category>
		<category><![CDATA[Marshalls]]></category>
		<category><![CDATA[retail]]></category>
		<category><![CDATA[T.J. Maxx]]></category>
		<category><![CDATA[Wealth For Life]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=18616</guid>
		<description><![CDATA[With its roots in the Great Depression, layaway allows shoppers who don’t have enough money to pay for merchandise at once to put the item on hold while they pay over time. While layaway gives shoppers more leeway over purchases, is it a good deal for consumers in today's economy?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Black Wealth Initiative: Wealth for Life</title>
		<link>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2008/12/08/black-wealth-initiative-wealth-for-life</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2008/12/08/black-wealth-initiative-wealth-for-life#comments</comments>
		<pubDate>Mon, 08 Dec 2008 15:08:03 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Wealth For Life Principles]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=18007</guid>
		<description><![CDATA[As times have changed, so too has the Black Wealth Initiative. This year, Black Enterprise is introducing 10 new Wealth for Life principles, the next step in the evolution to financially sustain the African American community. It is a step-by-step guide that encourages readers to generate wealth for themselves in this lifetime and for generations to come.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/wealth-for-life-principles/2008/12/08/black-wealth-initiative-wealth-for-life/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Can Blacks Build Wealth and Remain Charitable?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2008/12/05/can-blacks-build-wealth-and-remain-charitable</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2008/12/05/can-blacks-build-wealth-and-remain-charitable#comments</comments>
		<pubDate>Fri, 05 Dec 2008 14:42:38 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[charitable giving]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[generational wealth]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[living will]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=17538</guid>
		<description><![CDATA[The Northern Trust Corp. questioned affluent blacks about their giving habits and published their findings in a study called “Wealth in Black America,” which was released last month. The study shows that giving and wealth building, even within affluent black communities, seem to be at odds with the temperament of most blacks.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2008/12/05/can-blacks-build-wealth-and-remain-charitable/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Our New Wealth For Life Principles</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2008/12/01/our-new-wealth-for-life-principles</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2008/12/01/our-new-wealth-for-life-principles#comments</comments>
		<pubDate>Mon, 01 Dec 2008 19:13:53 +0000</pubDate>
		<dc:creator>Sheiresa McRae</dc:creator>
				<category><![CDATA[Wealth For Life]]></category>
		<category><![CDATA[financial fitness]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=16416</guid>
		<description><![CDATA[The 10 Black Enterprise Wealth for Life principles are meant to serve as a step-by-step guide to responsible saving, investing, and spending to build wealth and pass it on to future generations. Wealth preservation goes hand-in-hand with wealth accumulation. Consequently, the new principles place greater emphasis on financial discipline. Through consistent application of these principles, you and your family will be well on your way to establishing a financial legacy that will survive the test of time. We resolve to give you the tools you need to not just survive, but thrive, regardless of what the condition of the economy and financial markets.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2008/12/01/our-new-wealth-for-life-principles/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Stock Conversion Offers Tax-Free Rebound</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2008/11/20/stock-conversion-offers-tax-free-rebound</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2008/11/20/stock-conversion-offers-tax-free-rebound#comments</comments>
		<pubDate>Thu, 20 Nov 2008 19:54:23 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=9066</guid>
		<description><![CDATA[If you take losses in a tax-deferred account such as an IRA, you won’t get any benefits. That said, there may be a way to cash in on an IRA that has been depleted by sinking stocks. Convert your traditional IRA to a Roth IRA. In order to convert, your income must be $100,000 or less this year.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2008/11/20/stock-conversion-offers-tax-free-rebound/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Get Caught in a Foreclosure Scam</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/dont-get-caught-in-a-foreclosure-scam</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/dont-get-caught-in-a-foreclosure-scam#comments</comments>
		<pubDate>Mon, 17 Nov 2008 02:08:23 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[NeighborWorks America]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=7430</guid>
		<description><![CDATA[Thanks to today's economic turmoil, sparked by an ongoing mortgage crisis, a record number of Americans are facing fears of not being able to keep up with mortgage payments on their home. Home foreclosures are at record highs, and many people are desperate to save their homes or get out from under the pressure. Unfortunately, this makes them perfect targets for con artists who run foreclosure scams, promising to help you save your home, but actually stealing your money and/or home equity while doing nothing to prevent your eviction.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/dont-get-caught-in-a-foreclosure-scam/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Buying a Foreclosed Home: Good or Bad?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/is-buying-a-foreclosed-home-a-good-idea-of-course-maybe</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/is-buying-a-foreclosed-home-a-good-idea-of-course-maybe#comments</comments>
		<pubDate>Mon, 17 Nov 2008 01:30:05 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[bank-owned properties]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home foreclosure]]></category>
		<category><![CDATA[mortgage crisis]]></category>
		<category><![CDATA[REO]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=7420</guid>
		<description><![CDATA[You've heard that the silver lining to all of the change and turmoil of the subprime mortgage crisis is that there are great deals to be had for would-be home buyers, specifically in the foreclosure market. You've heard the stories and seen the commercials, but some still want to know: Is buying foreclosed property a good idea? The short answer to this question is, "It depends." ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/11/16/is-buying-a-foreclosed-home-a-good-idea-of-course-maybe/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Don&#8217;t Have to Cancel Christmas, but&#8230;</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/11/16/you-dont-have-to-cancel-christmas-but</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/11/16/you-dont-have-to-cancel-christmas-but#comments</comments>
		<pubDate>Mon, 17 Nov 2008 00:17:40 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[emergency savings]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[The Doug Banks & DeDe McGuire Show]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=7406</guid>
		<description><![CDATA[ I've stressed that the two most important things we need to do to survive the current financial crisis is to focus on building up emergency savings and paying down our credit card debt. However, with the economy in dire straights, the pressure has already started to get us to start our holiday shopping and [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/11/16/you-dont-have-to-cancel-christmas-but/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Retirement Funds and Your Small Business</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2008/11/03/retirement-funds-and-your-small-business</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2008/11/03/retirement-funds-and-your-small-business#comments</comments>
		<pubDate>Mon, 03 Nov 2008 22:53:06 +0000</pubDate>
		<dc:creator>Margarette Burnette</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement funds]]></category>
		<category><![CDATA[Roth IRA]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=5943</guid>
		<description><![CDATA[With the current economic environment, many entrepreneurs believe they can’t afford to give their employees retirement benefits. But, offering a retirement package can help attract talent, which is crucial to business success. Fortunately, SEP-IRAs and even 401(k) retirement plans can be cost-effective options for employers.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2008/11/03/retirement-funds-and-your-small-business/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Blacks Lag in Retirement Savings</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2008/10/15/blacks-lag-in-retirement-savings</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2008/10/15/blacks-lag-in-retirement-savings#comments</comments>
		<pubDate>Wed, 15 Oct 2008 20:46:14 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Ariel Investments]]></category>
		<category><![CDATA[Charles Schwab]]></category>

		<guid isPermaLink="false">http://beta.blackenterprise.com/?p=4564</guid>
		<description><![CDATA[African Americans save far less each month and have considerably smaller nest eggs than their white counterparts, according to a recent survey. The 11th annual Ariel/Schwab Black Investor Survey, sponsored by Ariel Investments L.L.C. and The Charles Schwab Corp., found that saving for retirement does not resonate in the same way for blacks as it does among whites.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2008/10/15/blacks-lag-in-retirement-savings/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Saving Early for Your Retirement</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2008/10/03/saving-early-for-your-retirement</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2008/10/03/saving-early-for-your-retirement#comments</comments>
		<pubDate>Fri, 03 Oct 2008 20:30:24 +0000</pubDate>
		<dc:creator>Ilana Polyak</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>

		<guid isPermaLink="false">http://beta.blackenterprise.com/?p=4559</guid>
		<description><![CDATA[n your 20s, retirement is a bit like global warming. You know the day of reckoning will come, but it's still decades away. But those years have a way of creeping up on you. Better to develop good saving habits now than to be staring down the barrel of 50 with just your collection of iTunes and Crocs in 20 colors as the sum total of your net worth.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2008/10/03/saving-early-for-your-retirement/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Report: Economic Gains for Blacks Reversing</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/29/report-economic-gains-for-blacks-reversing</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/29/report-economic-gains-for-blacks-reversing#comments</comments>
		<pubDate>Mon, 29 Sep 2008 18:24:13 +0000</pubDate>
		<dc:creator>Aisha I. Jefferson</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Economic Policy Institute]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/?p=8408</guid>
		<description><![CDATA[Released by the Economic Policy Institute (EPI), a report, "Reversal of Fortune: Economic Gains of 1990s Overturned for African Americans From 2000-07," examines how employment rates, homeownership gains, increased poverty rates, and crime have contributed to a reversal that took place between 2000 and 2007. Even though there was economic growth from 2000 to 2007, the benefits have been concentrated among the very wealthy of Americans, the EPI report states.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/29/report-economic-gains-for-blacks-reversing/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>From Wall Street to Main Street</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/09/26/from-wall-street-to-main-street</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/09/26/from-wall-street-to-main-street#comments</comments>
		<pubDate>Fri, 26 Sep 2008 18:16:56 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[rescue plan]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/?p=8410</guid>
		<description><![CDATA[The wave of bank failures and the wrangling in Congress over a $700 billion rescue plan for banks has many investors and small businesses reeling at the turmoil's possible impact. The events hit close to home for many, yesterday, as JP Morgan Chase purchased parts of Washington Mutual after a government seizure. With the effects now rippling into Main Street, individual investors and small business owners can take steps to weather the crisis and possibly gain from it too.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/09/26/from-wall-street-to-main-street/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>In Your 30s, Think About Your 60s</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/19/in-your-30s-think-about-your-60s</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/19/in-your-30s-think-about-your-60s#comments</comments>
		<pubDate>Fri, 19 Sep 2008 17:49:56 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement funds]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/?p=8389</guid>
		<description><![CDATA[Young investors have a valuable asset, yet many neglect to take advantage. The more years you invest prior to retirement, the more time you have to profit from the earnings on your investments. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/19/in-your-30s-think-about-your-60s/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Five Investment Sectors to Consider</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2008/09/10/five-investment-sectors-to-consider</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2008/09/10/five-investment-sectors-to-consider#comments</comments>
		<pubDate>Wed, 10 Sep 2008 17:08:09 +0000</pubDate>
		<dc:creator>Jeffrey McKinney</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[AFLAC]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[Johnson & Johnson]]></category>
		<category><![CDATA[Nike]]></category>
		<category><![CDATA[SBK-Brooks]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/?p=8353</guid>
		<description><![CDATA[The equity markets have been battered, largely driven by the sour economy: Through the first eight months of this year, the Dow Jones Industrial Average dropped nearly 13%, the Nasdaq composite index fell 10.7% and the S&#038;P 500 slid 12.6%, according to Eric Fitzwater, an associate director at SNL Financial LC, a Charlottesville, Virginia-based financial services research firm.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2008/09/10/five-investment-sectors-to-consider/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Government Takes Control of Fannie Mae, Freddie Mac</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/09/08/government-takes-control-of-fannie-mae-freddie-mac</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/09/08/government-takes-control-of-fannie-mae-freddie-mac#comments</comments>
		<pubDate>Mon, 08 Sep 2008 14:40:59 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/?p=8323</guid>
		<description><![CDATA[The federal government yesterday took control of mortgage giants Freddie Mac and Fannie Mae in a dramatic attempt to shore up the nation's weakened housing market.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2008/09/08/government-takes-control-of-fannie-mae-freddie-mac/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Retiring In Your 40s</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/03/retiring-in-your-40s</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/03/retiring-in-your-40s#comments</comments>
		<pubDate>Wed, 03 Sep 2008 19:04:18 +0000</pubDate>
		<dc:creator>Ilana Polyak</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Retirement Accounts]]></category>

		<guid isPermaLink="false">http://beta.blackenterprise.com/?p=4555</guid>
		<description><![CDATA[Those intermittent aches and pains in your 40s are a very powerful reminder that retirement isn't as far away as it used to be. But with two decades or more to go, you still have many years of disciplined, systematic savings in front of you.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2008/09/03/retiring-in-your-40s/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market Fluctuation</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2008/08/04/market-fluctuation</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2008/08/04/market-fluctuation#comments</comments>
		<pubDate>Mon, 04 Aug 2008 08:25:00 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[President Bush]]></category>
		<category><![CDATA[Profit Investment Management]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/08/04/market-fluctuation/</guid>
		<description><![CDATA[Stock predictions for the first week in August do not seem too promising.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2008/08/04/market-fluctuation/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Risky Solutions to Debt Elimination</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination#comments</comments>
		<pubDate>Fri, 01 Aug 2008 05:00:00 +0000</pubDate>
		<dc:creator>Zakiyyah El-Amin</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt consolidation]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/08/01/risky-solutions-to-debt-elimination/</guid>
		<description><![CDATA[Desperate for alternative ways to pay down debt, many people rely on quick-fix solutions that often cause more harm than good.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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