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	<title>BLACK ENTERPRISE &#187; Personal Finance</title>
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		<title>Growing The Net Worth of Black Women</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 19:47:17 +0000</pubDate>
		<dc:creator>Sakina P. Spruell</dc:creator>
				<category><![CDATA[B.E. Exclusives]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Women of Power Exclusives]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[gender bias]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[liabilities]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[wealth]]></category>
		<category><![CDATA[wealth disparities]]></category>
		<category><![CDATA[wealth gap]]></category>
		<category><![CDATA[women and money]]></category>
		<category><![CDATA[women and work]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70873</guid>
		<description><![CDATA[Don't be alarmed by the recent news that African American women only have a median net worth of $100. I'm actually glad to see that it wasn't in the negative. The reality of the situation is that too many people define themselves based on income.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing Rules for Women: Invest for Your Retirement</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/19/investing-rules-for-women-invest-for-your-retirement/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/19/investing-rules-for-women-invest-for-your-retirement/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 15:19:30 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Women of Power Exclusives]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[women and investing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69206</guid>
		<description><![CDATA[There are countless resources available to help you learn the fundamentals of investing. This week, Black Enterprise  shares the top five investing rules for women. Today's tip: Invest for Your Retirement.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/19/investing-rules-for-women-invest-for-your-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Resisting the Credit Temptation</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 17:49:51 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Credit Card spending]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70331</guid>
		<description><![CDATA[When saying no to that impulse purchase is just too hard
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Investing Rules for Women: Don&#8217;t Go it Alone</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/18/investing-rules-for-women-dont-go-it-alone/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/18/investing-rules-for-women-dont-go-it-alone/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 15:12:17 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Women of Power Exclusives]]></category>
		<category><![CDATA[investment club]]></category>
		<category><![CDATA[The DIVA!Group]]></category>
		<category><![CDATA[women and investing]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69205</guid>
		<description><![CDATA[There are countless resources available to help you learn the fundamentals of investing. This week, Black Enterprise shares the top five investing rules for women. Today's tip: Don't Go it Alone.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/18/investing-rules-for-women-dont-go-it-alone/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Pep Talk: Ready to be Debt-Free</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/16/pep-talk-ready-to-be-debt-free/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/16/pep-talk-ready-to-be-debt-free/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 20:58:52 +0000</pubDate>
		<dc:creator>Tennille M. Robinson</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[cutting spending]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[managing debt]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[reducing debt]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60095</guid>
		<description><![CDATA[I’m a 32-year-old mother of two and I’ve spent a great deal of time living paycheck to paycheck, but now I want to improve my credit and become financially responsible. I’ve cut down on spending, but my bank account is always overdrawn so bills go without payment. How can I get on track if I am always in the hole?        

]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/16/pep-talk-ready-to-be-debt-free/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing Rules for Women: Educate Yourself</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/16/investing-rules-for-women-educate-yourself/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/16/investing-rules-for-women-educate-yourself/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 19:02:55 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69201</guid>
		<description><![CDATA[nce you start investing, it’s important not to lose sight of your financial goals. Whether your investments are earning a lot or a little, stay focused on building wealth for the long term, rather than seeking a quick profit. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/16/investing-rules-for-women-educate-yourself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Six Ways to Save</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/16/six-ways-to-save/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/16/six-ways-to-save/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 18:21:50 +0000</pubDate>
		<dc:creator>Keesa Schreane</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[money-saving ideas]]></category>
		<category><![CDATA[personal savings]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69702</guid>
		<description><![CDATA[Whether you need a professional financial plan or just a “Savings 101” refresher, these six tips will get you started on the road to building a cash cushion.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/16/six-ways-to-save/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Why Financial Planning Ain&#8217;t Just For The Rich</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 20:53:38 +0000</pubDate>
		<dc:creator>Eric D. Grant</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69340</guid>
		<description><![CDATA[Let’s say you’re a first year school teacher, with a Masters degree, and you're making about $45,000 a year. Yes, you need financial planning—and in all likelihood, a professional financial planner to help. How about the second-year city bus driver with no degree? Does he need help too? What about the union machinist? I’ve offered professional advice to these types of average, middle class clients for 24 years. Yes, everyone should do financial planning, and probably hire a financial planner. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Investing Rules for Women: Get Over Your Fear</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/15/investing-rules-for-women-get-over-your-fear/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/15/investing-rules-for-women-get-over-your-fear/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 18:09:37 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[investment club]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[risk tolerance]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69204</guid>
		<description><![CDATA[One way to get over your fear is to become familiar with the culture of investing. Another part of overcoming fear is dispelling misconceptions about investing, mainly that you need a lot of money to do it.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/15/investing-rules-for-women-get-over-your-fear/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing Rules for Women: Start Early</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/15/investing-rules-for-women-start-early/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/15/investing-rules-for-women-start-early/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 17:52:41 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[women and investing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69200</guid>
		<description><![CDATA[Sure, investing can be intimidating. And if you’re averse to what can appear to be an endless stream of formulas, ratios, and financial jargon, now is the time to get over it. Women, especially, must invest early because they tend to live longer and therefore require more money to maintain their standard of living after retirement. Some 80% of women will die single whereas approximately 80% of men will die married, according to the Women’s Institute for a Secure Retirement.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2010/03/15/investing-rules-for-women-start-early/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Food for the Journey</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 17:36:43 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69128</guid>
		<description><![CDATA[According to Napoleon, an army marches on its stomach. On our journey we need something just as basic to keep ourselves nourished. We need a budget. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Overlooked Tax Breaks</title>
		<link>http://www.blackenterprise.com/magazine/2010/03/15/overlooked-tax-breaks-2/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/03/15/overlooked-tax-breaks-2/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 16:01:19 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[tax breaks]]></category>
		<category><![CDATA[tax refunds]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60075</guid>
		<description><![CDATA[Though you have three years to file an amended return if you missed out on a money saving deduction, the best way to stay on top of changing tax codes is to look for a certified public accountant, enrolled agent or tax attorney who undergoes continuing education courses,” says Cindy Hockenberry, research coordinator for the Appleton, Wisc.-based National Association of Tax Professionals. If you choose to go it alone, here are some credits and deductions that are often overlooked.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/03/15/overlooked-tax-breaks-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Bank of America Ends Overdraft Fees</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 23:53:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[Bank of America Corp.]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[personal banking]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=67907</guid>
		<description><![CDATA[Bank of America customers say sayonara to overdraft fees.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Happy Anniversary, Investors!</title>
		<link>http://www.blackenterprise.com/business/2010/03/09/happy-anniversary-investors/</link>
		<comments>http://www.blackenterprise.com/business/2010/03/09/happy-anniversary-investors/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 22:01:12 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Business News]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[market rally]]></category>
		<category><![CDATA[NASDAQ]]></category>
		<category><![CDATA[S&P 500]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=67136</guid>
		<description><![CDATA[Financial experts weigh in on why the S&#038;P 500 market has bounced back so powerfully, whether the rally can continue, and how investors should proceed in the coming year.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/business/2010/03/09/happy-anniversary-investors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Do I Make Money Now?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/05/how-do-i-make-money-now/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/05/how-do-i-make-money-now/#comments</comments>
		<pubDate>Sat, 06 Mar 2010 02:23:08 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[CDs]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investment options]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=65757</guid>
		<description><![CDATA[Sooner or later there comes a time on every journey, real or virtual when someone says, “Are we there yet?” Or in this case, “Learning more about what makes me tick and setting goals is all well and good, but how do I make money now?” ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/05/how-do-i-make-money-now/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Check Yourself with Self-Checkout</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/04/cutting-edge-check-yourself-with-self-checkout/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/04/cutting-edge-check-yourself-with-self-checkout/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 19:27:51 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[cutting expenses]]></category>
		<category><![CDATA[grocery savings]]></category>
		<category><![CDATA[money-saving ideas]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[self-checkout]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=65422</guid>
		<description><![CDATA[When it comes to budgeting your dollars, paying attention to every detail—from the coupons you use to the on-sale items you purchase—is crucial.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/04/cutting-edge-check-yourself-with-self-checkout/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Ask Your Advocate: Winter Heating Bill Woes</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/03/ask-your-advocate-winter-heating-bill-woes/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/03/ask-your-advocate-winter-heating-bill-woes/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 20:29:33 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Energy Star]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[utility costs]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60111</guid>
		<description><![CDATA[My heating bill tends to be very high each winter. What can I do to keep costs down? 
—R. Brown Hartford, CT 
Winters can be tough on the wallet, but there are several steps you can take to keep cash in your pocket:
Request a payment plan. Ask your energy provider if it offers a level [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/03/ask-your-advocate-winter-heating-bill-woes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Homebuyer’s Toolkit: Do it Yourself!</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/03/02/the-homebuyer%e2%80%99s-toolkit-do-it-yourself/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/03/02/the-homebuyer%e2%80%99s-toolkit-do-it-yourself/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 00:06:09 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[fixer-upper]]></category>
		<category><![CDATA[Home improvements]]></category>
		<category><![CDATA[home renovations]]></category>
		<category><![CDATA[home repairs]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60420</guid>
		<description><![CDATA[From time to time, you may have to make interior improvements to your home such as add a new fixture, paint, or patch up a hole. How much of it can you do on your own? Roll up your sleeves and take notes.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/03/02/the-homebuyer%e2%80%99s-toolkit-do-it-yourself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Talking Points: UNCF Colleges More Affordable Than Their Peers</title>
		<link>http://www.blackenterprise.com/entrepreneurs/2010/03/01/talking-points-uncf-colleges-more-affordable-than-their-peers/</link>
		<comments>http://www.blackenterprise.com/entrepreneurs/2010/03/01/talking-points-uncf-colleges-more-affordable-than-their-peers/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 20:21:35 +0000</pubDate>
		<dc:creator>Deborah Creighton Skinner</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[HBCUs]]></category>
		<category><![CDATA[stimulus contracts]]></category>
		<category><![CDATA[stimulus money]]></category>
		<category><![CDATA[Tution]]></category>
		<category><![CDATA[UNCF]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=59625</guid>
		<description><![CDATA[The 39 HBCUs that are members of the UNCF cost less than comparable institutions.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/entrepreneurs/2010/03/01/talking-points-uncf-colleges-more-affordable-than-their-peers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing Rules for Women</title>
		<link>http://www.blackenterprise.com/magazine/2010/03/01/investing-rules-for-women/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/03/01/investing-rules-for-women/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 18:42:05 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Magazine Features]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[entrepreneurship]]></category>
		<category><![CDATA[investment strategies]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[women and investing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=55256</guid>
		<description><![CDATA[Sure, investing can be intimidating. And if you’re averse to what can appear to be an endless stream of formulas, ratios, and financial jargon, now is the time to get over it. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/03/01/investing-rules-for-women/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Poll: More Consumers Going the DIY Route for Taxes</title>
		<link>http://www.blackenterprise.com/business/2010/02/25/poll-more-consumers-going-the-diy-route-for-taxes/</link>
		<comments>http://www.blackenterprise.com/business/2010/02/25/poll-more-consumers-going-the-diy-route-for-taxes/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 16:19:14 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[E-filing]]></category>
		<category><![CDATA[filing]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[poll]]></category>
		<category><![CDATA[tax refunds]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=62113</guid>
		<description><![CDATA[It's tax-filing season, and whether taxes are done in January or at midnight on April 15, the question isn’t “Will you file your taxes?” but rather “Who will do them for you?”]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/business/2010/02/25/poll-more-consumers-going-the-diy-route-for-taxes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Best Offense: Defensive Investing</title>
		<link>http://www.blackenterprise.com/magazine/2010/02/24/the-best-offense-defensive-investing/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/02/24/the-best-offense-defensive-investing/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 18:20:07 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[hedge funds]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Moneywise]]></category>
		<category><![CDATA[mutual funds]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44084</guid>
		<description><![CDATA[Why do wealthy investors and institutions pay millions of dollars in admission fees to get into hedge funds? Because hedging—or using investment strategies that reduce financial risk—works. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/02/24/the-best-offense-defensive-investing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Green Investing</title>
		<link>http://www.blackenterprise.com/magazine/2010/02/23/green-investing/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/02/23/green-investing/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 18:00:11 +0000</pubDate>
		<dc:creator>Alan Hughes</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Magazine Features]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Green stocks]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43966</guid>
		<description><![CDATA[In the dot-com-crazed ’90s, a good number of investment firms chased big returns by employing high-risk strategies. As equity markets produced double-digit gains, portfolio managers seemed to view any tech venture as a boundless opportunity to reap huge profits. That is, until the dot-com boom went bust. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/02/23/green-investing/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Credit Card Reform Starts Today</title>
		<link>http://www.blackenterprise.com/business/2010/02/22/credit-card-reform-starts-today/</link>
		<comments>http://www.blackenterprise.com/business/2010/02/22/credit-card-reform-starts-today/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 21:00:17 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card issuers]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=61186</guid>
		<description><![CDATA[The landmark legislation that Obama signed in the spring of 2009 that was designed to protect consumers from abusive credit card practices went into effect Monday.

]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/business/2010/02/22/credit-card-reform-starts-today/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It’s All About You … and Money</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/22/it%e2%80%99s-all-about-you%e2%80%a6and-money/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/22/it%e2%80%99s-all-about-you%e2%80%a6and-money/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 20:55:47 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Certified financial planner]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[money autobiography]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=61143</guid>
		<description><![CDATA[Welcome to the Women &#038; Money Blog! Join personal financial expert Patricia Stallworth each week as we build a road to financial independence and control. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/22/it%e2%80%99s-all-about-you%e2%80%a6and-money/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Get Ready For The New Credit Card Rules</title>
		<link>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/02/19/get-ready-for-the-new-credit-card-rules/</link>
		<comments>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/02/19/get-ready-for-the-new-credit-card-rules/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 23:55:12 +0000</pubDate>
		<dc:creator>BLACK ENTERPRISE</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[CARD Act]]></category>
		<category><![CDATA[consumer credit]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[Credit Card Accountability Responsibility and Disclosure Act]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card issuers]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit counseling]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60463</guid>
		<description><![CDATA[The clock is ticking toward implementation of the Credit Card Accountability Responsibility and Disclosure Act of 2009, commonly referred to as the CARD Act.  On February 22, consumers will have a new set of financial protections in place.  However, in order to maximize the provisions of the Act, consumers need to take action.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/02/19/get-ready-for-the-new-credit-card-rules/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Tell if You Need a Financial Planner</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/19/how-to-tell-if-you-need-a-financial-planner/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/19/how-to-tell-if-you-need-a-financial-planner/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 19:48:14 +0000</pubDate>
		<dc:creator>Bridget McCrea</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Wealth Building Tools & Resources]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial fitness]]></category>
		<category><![CDATA[financial health]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[financial solutions]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60326</guid>
		<description><![CDATA[Families and individuals seek out financial advisers for any number of reasons. The National Association of Personal Financial Advisors has compiled a list to help you determine whether you need professional help with your finances.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/19/how-to-tell-if-you-need-a-financial-planner/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2009 Tax Tips</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/18/2009-tax-tips/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/18/2009-tax-tips/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 22:34:01 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[first-time homebuyer]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[tax breaks]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[tax refunds]]></category>
		<category><![CDATA[tax returns]]></category>
		<category><![CDATA[Year-end Tax Tips]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60079</guid>
		<description><![CDATA[Take advantage of these tax changes for 2009.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/18/2009-tax-tips/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Cutting Edge: Uncle Sam Gives Back to Students</title>
		<link>http://www.blackenterprise.com/wealth-for-life/taxes/2010/02/17/uncle-sam-gives-back-to-students/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/taxes/2010/02/17/uncle-sam-gives-back-to-students/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 21:24:39 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[education funding]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[tax credits]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=59564</guid>
		<description><![CDATA[Looks like Uncle Sam has a little treat for cash-strapped college students.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/taxes/2010/02/17/uncle-sam-gives-back-to-students/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Poll: Paying the Tax Man</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/11/poll-paying-the-tax-man/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/11/poll-paying-the-tax-man/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 16:31:46 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[electronic filing]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[poll]]></category>
		<category><![CDATA[Poll of the Week]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=55776</guid>
		<description><![CDATA[Who will prepare your taxes this year?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/11/poll-paying-the-tax-man/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Cutting Edge: Standardized v. Itemized Deductions</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/11/the-cutting-edge-standardized-v-itemized-deductions/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/11/the-cutting-edge-standardized-v-itemized-deductions/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 13:05:46 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[deductions]]></category>
		<category><![CDATA[itemized deduction]]></category>
		<category><![CDATA[standard deduction]]></category>
		<category><![CDATA[tax returns]]></category>
		<category><![CDATA[taxable income]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=57590</guid>
		<description><![CDATA[I got to tweeting with a friend about filing tax returns. Specifically, we were discussing the difference between standardized and itemized deductions and which would work best for us.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/11/the-cutting-edge-standardized-v-itemized-deductions/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Homebuyer’s Toolkit: Choosing the Right Neighborhood</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/02/08/the-homebuyer%e2%80%99s-toolkit-choosing-the-right-neighborhood/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/02/08/the-homebuyer%e2%80%99s-toolkit-choosing-the-right-neighborhood/#comments</comments>
		<pubDate>Mon, 08 Feb 2010 14:45:31 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[first-time homebuyer]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate investment]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=55694</guid>
		<description><![CDATA[Found the perfect house? Make sure the environment is equally ideal. There's nothing to be gained by finding the right house if it is in the wrong neighborhood.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/02/08/the-homebuyer%e2%80%99s-toolkit-choosing-the-right-neighborhood/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<item>
		<title>The Cutting Edge: Why The IRS Might Pick On You</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/02/04/the-cutting-edge-why-the-irs-might-pick-on-you/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/02/04/the-cutting-edge-why-the-irs-might-pick-on-you/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 14:39:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[capital gains tax]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[tax audit]]></category>
		<category><![CDATA[tax returns]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=55240</guid>
		<description><![CDATA[Ever wonder how the IRS chooses to audit someone? Well, wonder no more.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/02/04/the-cutting-edge-why-the-irs-might-pick-on-you/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>How Safe Are My IRA Funds?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2010/02/03/how-safe-are-my-ira-funds/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2010/02/03/how-safe-are-my-ira-funds/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 14:40:05 +0000</pubDate>
		<dc:creator>Carolyn M. Brown</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[money managment]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=46956</guid>
		<description><![CDATA[Are my retirement funds also safe under FDIC protection or should I move that money elsewhere?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2010/02/03/how-safe-are-my-ira-funds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Life Raft for Student Loan Borrowers</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 08:29:09 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=52965</guid>
		<description><![CDATA[If you’re experiencing financial difficulty, student loan payments can feel like a weight on your chest. Thankfully, there might be help on the way.  In response to the squeeze the ailing economy has put on the middle class, President Obama announced initiatives to help alleviate the pain. The Task Force on the Middle Class, appointed by President Obama when he first took office, came up with several recommendations. In addition to proposals to assist families with rising child care costs and help those caring for elderly relatives, is a change that could help borrowers coping with crippling student loan debt.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<item>
		<title>Money Matters: Preparing for Retirement</title>
		<link>http://www.blackenterprise.com/magazine/2010/02/01/money-matters-preparing-for-retirement/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/02/01/money-matters-preparing-for-retirement/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 22:02:46 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Moneywise]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[Wealth Management Network]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=57049</guid>
		<description><![CDATA[I’m 61 years old and  would like to retire in seven years. I have a pretty diverse portfolio, but I’d like to know how I should structure my investment holdings.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/02/01/money-matters-preparing-for-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Woman’s Guide to Money Management</title>
		<link>http://www.blackenterprise.com/magazine/2010/02/01/a-woman%e2%80%99s-guide-to-money-management/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/02/01/a-woman%e2%80%99s-guide-to-money-management/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 15:10:03 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Magazine Features]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=48958</guid>
		<description><![CDATA[Creating a financial plan should be on everyone’s to-do list. Financial planning is not solely for the rich, nor should it be left up to your significant other. It is important for everyone—especially women—to develop a financial plan. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/02/01/a-woman%e2%80%99s-guide-to-money-management/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Safe Haven</title>
		<link>http://www.blackenterprise.com/magazine/2010/02/01/safe-haven/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/02/01/safe-haven/#comments</comments>
		<pubDate>Mon, 01 Feb 2010 14:59:54 +0000</pubDate>
		<dc:creator>Sheryl Nance-Nash</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26180</guid>
		<description><![CDATA[Sylvia King's financial discipline kept her afloat during tough times]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/02/01/safe-haven/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Play Games with Your Money</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/01/29/play-games-with-your-money/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/01/29/play-games-with-your-money/#comments</comments>
		<pubDate>Fri, 29 Jan 2010 22:50:07 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[stock market games]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=53790</guid>
		<description><![CDATA[If you’ve always wanted to start investing but have always been afraid of losing money, get over it.  It’s time to jump in there and make your money work for you. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/01/29/play-games-with-your-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Inquiries—Hard Pulls vs. Soft Pulls</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/#comments</comments>
		<pubDate>Fri, 29 Jan 2010 17:43:22 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=53808</guid>
		<description><![CDATA[Learn how certain types of inquiries on your credit report can impact your credit standing.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Demystifying the Mortgage Modification Process</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/22/demystifying-the-mortgage-modification-process/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/22/demystifying-the-mortgage-modification-process/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 21:45:22 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=50188</guid>
		<description><![CDATA[Loan modification counselor discusses when homeowners should modify their loan, why banks are not modifying loans, and resources homeowners can use to get help when your payments are delinquent.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/22/demystifying-the-mortgage-modification-process/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>The Homebuyer&#8217;s Toolkit: Title Insurance</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/19/the-homebuyers-toolkit-title-insurance/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/19/the-homebuyers-toolkit-title-insurance/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 20:47:41 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49717</guid>
		<description><![CDATA[Buying a home entails much more than I anticipated. Just when I thought I had learned all there was about the costs involved with becoming a homeowner, here comes another expense called title insurance.   Before you purchase a home, it may have gone through several ownership changes, title changes, or problems, such as [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/19/the-homebuyers-toolkit-title-insurance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>3 Things to Know About Debt Collectors</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/01/15/3-things-to-know-about-debt-collectors/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/01/15/3-things-to-know-about-debt-collectors/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 16:14:38 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[managing debt]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49674</guid>
		<description><![CDATA[While the days of debt collectors sending sheriffs to your home are long gone, for some, contemporary debt collection methods can still cross the line.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/01/15/3-things-to-know-about-debt-collectors/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<item>
		<title>Andersons Complete Year of &#8216;Buying Black&#8217;</title>
		<link>http://www.blackenterprise.com/lifestyle/2010/01/12/andersons-complete-year-of-buying-black/</link>
		<comments>http://www.blackenterprise.com/lifestyle/2010/01/12/andersons-complete-year-of-buying-black/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 22:14:52 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[buying black]]></category>
		<category><![CDATA[consumer issues]]></category>
		<category><![CDATA[economic empowerment]]></category>
		<category><![CDATA[Empowerment Experiment]]></category>
		<category><![CDATA[John Anderson]]></category>
		<category><![CDATA[Maggie Anderson]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49422</guid>
		<description><![CDATA[The Empowerment Experiment's Anderson family discuss the successes that kept them empowered, the struggles that challenged them, and why they won’t be continuing the experiment.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/2010/01/12/andersons-complete-year-of-buying-black/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Homebuyer’s Toolkit: Condo or Co-Op?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/11/the-homebuyer%e2%80%99s-toolkit-condo-or-co-op/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/11/the-homebuyer%e2%80%99s-toolkit-condo-or-co-op/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 19:45:34 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[Housing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49381</guid>
		<description><![CDATA[If shoveling snow, mowing the lawn, and general maintenance is not up your alley then purchasing a condo or a cooperative (co-op) might be a better option for you. They may appear to be one in the same, but there are some striking differences that you should make yourself aware of before you make your [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2010/01/11/the-homebuyer%e2%80%99s-toolkit-condo-or-co-op/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Help! My Dad Has a Credit Card in My Name</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 21:02:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit fraud]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=48980</guid>
		<description><![CDATA[When “Jonathan” was 14-years-old, his Dad opened a few credit cards and acquired a few utilities in his name—unbeknownst to him. Fast-forward four years and Jon, now with enough money saved for a down payment on a vehicle, is denied financing from a used car dealership. Frustrated but not discouraged he tries another—rejected again. Annoyed but still not discouraged he tries another—rejected a third time. But this time Jon asked why. The car salesman explained to Jon that he pulled his 25-page credit report and found that his credit was terrible. You see, Dad never paid any of the bills he racked up in Jon’s name and now lawyers, bill collectors, and a sheriff with a warrant are coming after Jon—while Dad cannot be found.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<item>
		<title>Money Matters: Should I Ditch My Home?</title>
		<link>http://www.blackenterprise.com/magazine/2010/01/01/qa-money-matters/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/01/01/qa-money-matters/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 21:17:40 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Moneywise]]></category>
		<category><![CDATA[mortgage payments]]></category>
		<category><![CDATA[personal banking]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[short sales]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44098</guid>
		<description><![CDATA[I don’t have equity in the home I bought three years ago. When is it time to ditch a house, even if you are current on your mortgage payments?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/01/01/qa-money-matters/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Where To Invest In 2010</title>
		<link>http://www.blackenterprise.com/magazine/2010/01/01/where-to-invest-in-2010/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/01/01/where-to-invest-in-2010/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 18:00:47 +0000</pubDate>
		<dc:creator>James A. Anderson</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Magazine Features]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dow Jones]]></category>
		<category><![CDATA[Moneywise]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44049</guid>
		<description><![CDATA[Tea leaves, tarot cards, roots, potions, and Mattel’s Magic 8 Ball. If any of these things actually worked to predict the future, what questions might you pose—as an investor, that is? Here’s one: Can the financial markets continue their amazing—sometimes logic-defying—rebound in 2010? And another: Regardless of the broad market’s direction, which companies are in a position to grow profits and reward shareholders this year? Imagine what you could do if you had the answers. With apologies to the infamous Magic 8 Ball, black enterprise took a more scientific approach to get a read on the investment picture, surveying a handful of expert market watchers.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/01/01/where-to-invest-in-2010/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>5 Ways to Reduce Debt</title>
		<link>http://www.blackenterprise.com/magazine/2010/01/01/5-ways-to-reduce-debt/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/01/01/5-ways-to-reduce-debt/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 04:10:07 +0000</pubDate>
		<dc:creator>Leslie E. Royal</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[managing debt]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Shopsmart]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44100</guid>
		<description><![CDATA[In 2002, Kristen Tate decided that debt free was the way to be. With a debt load of $28,000 that included student loans, credit cards, and a car note, Tate, who earned $65,000 as an account manager for a global public relations firm, began to pay triple the minimum payment of $200 each month. Tate eventually withdrew money from her savings account and paid off the balance—by 2008, she was completely debt free. Now a self-employed communications consultant, the 29-year-old says she met her goals by drawing on the values she was raised with. “My parents and grandparents stressed the importance of being financially responsible. Rather than buying everything I wanted, I lived frugally and paid down my debt. I wanted the peace of mind of knowing I didn’t owe anyone.” 		       — 
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/01/01/5-ways-to-reduce-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>How to Choose a Financial Planner</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/12/22/how-to-choose-a-financial-planner-2/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/12/22/how-to-choose-a-financial-planner-2/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 15:10:08 +0000</pubDate>
		<dc:creator>Bridget McCrea</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Moneywise]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42831</guid>
		<description><![CDATA[The key to finding the right financial planner is to find a competent, qualified professional whose approach fits your needs. But, the selection process isn’t always easy.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/12/22/how-to-choose-a-financial-planner-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>The Homebuyers Toolkit: Renting vs. Buying</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/21/the-homebuyers-toolkit-renting-vs-buying/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/21/the-homebuyers-toolkit-renting-vs-buying/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 19:18:43 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[buy vs. rent]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[rent vs. buy]]></category>
		<category><![CDATA[security deposit]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=46313</guid>
		<description><![CDATA[In today’s market should you rent or buy? “Your decision to buy or rent depends on your financial situation and your lifestyle,” said Lynn Tollett, vice president of business and community development for HSBC bank. Although interest rates are at historic lows, homes are selling below their market value and several tax incentives are available, still buying may not be the best option for you. There are many other things to consider. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/21/the-homebuyers-toolkit-renting-vs-buying/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Value vs. Growth: Which Way of Evaluating a Stock&#8217;s Potential is Better?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/12/21/value-vs-growth-which-way-of-evaluating-stock-potential-is-better/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/12/21/value-vs-growth-which-way-of-evaluating-stock-potential-is-better/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 18:44:50 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[growth investing]]></category>
		<category><![CDATA[stock evaluation]]></category>
		<category><![CDATA[value investing]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=46266</guid>
		<description><![CDATA[Though objective experts believe neither philosophy is better than the other, each school of thought has armies of staunch, single-minded supporters.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/12/21/value-vs-growth-which-way-of-evaluating-stock-potential-is-better/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Identity Theft on Campus</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/12/16/identity-theft-on-campus/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/12/16/identity-theft-on-campus/#comments</comments>
		<pubDate>Wed, 16 Dec 2009 16:45:11 +0000</pubDate>
		<dc:creator>Brittany Hutson</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[ID theft]]></category>
		<category><![CDATA[Shopsmart]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42852</guid>
		<description><![CDATA[You can’t prevent identity theft, but you can take precautions. Here are four ways to decrease your risk of being a victim of ID theft.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/12/16/identity-theft-on-campus/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Homebuyer&#8217;s Toolkit: How Your Credit Score Adds Up</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 16:09:24 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[TransUnion]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44649</guid>
		<description><![CDATA[Do you request your credit report every year? Admittedly, I have to say I don’t. I’ve probably accessed it twice in the past four years. But after attending this week’s homebuyer’s class sponsored by the Bedford Central Community Development Corp., I was reminded of how important it is to monitor and review my report annually.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Just Toss Those Credit Card Notices</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/12/14/dont-just-toss-those-credit-card-notices/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/12/14/dont-just-toss-those-credit-card-notices/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 15:16:50 +0000</pubDate>
		<dc:creator>Bridget McCrea</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44261</guid>
		<description><![CDATA[Here's what to do when your credit card issuer wants to change your terms, raise your interest rate, or add fees.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/12/14/dont-just-toss-those-credit-card-notices/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Reaching the Next Level</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/12/11/reaching-the-next-level-2/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/12/11/reaching-the-next-level-2/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 20:26:33 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[homeowership]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[WFL winners]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44633</guid>
		<description><![CDATA[This year has been tough for almost everyone. Belts are tighter and wallets are opening less often. Finances are strained as paychecks have been cut and jobs eliminated. Black Enterprise reached out  to all 11 of last year’s Financial Fitness contest winners to see how they fared. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/12/11/reaching-the-next-level-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Homebuyer&#8217;s Toolkit: Building Financial Security</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 20:27:22 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[home owner]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43791</guid>
		<description><![CDATA[Over the Thanksgiving break I became addicted to a show called Till Debt Do U$ Part on HGTV. Financial wizard Gail Vaz-Oxlade helps families go from red to black by getting to the root of their destructive spending habits. Most families on the show did what it took to own a home, but quickly forgot about the money saving principles that got them there. Why work so hard to buy a home, and then dig yourself into debt? Buying a home is just the first step. Once you become a homeowner you still have to understand how to pave the way to financial security or, better yet, financial freedom. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/12/07/the-homebuyers-toolkit-building-financial-security/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Don’t Miss the Tech Stock Revival</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/12/07/don%e2%80%99t-miss-the-tech-stock-revival-2/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/12/07/don%e2%80%99t-miss-the-tech-stock-revival-2/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 19:42:01 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Moneywise]]></category>
		<category><![CDATA[stocks]]></category>
		<category><![CDATA[Technology]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43803</guid>
		<description><![CDATA[The economy will always have its booms and busts—and the same goes for financial markets. But the advance of technological innovation is constant. That’s Richard Shaw’s core belief, a principle that guides his research into technology and telecommunications investments as senior vice president and equities analyst at Bessemer Trust in New York City.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/12/07/don%e2%80%99t-miss-the-tech-stock-revival-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Reviving Your Credit Score</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/12/04/reviving-your-credit-score/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/12/04/reviving-your-credit-score/#comments</comments>
		<pubDate>Fri, 04 Dec 2009 21:03:28 +0000</pubDate>
		<dc:creator>Heather Boerner</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43551</guid>
		<description><![CDATA[Foreclosure can be the scarlet F, branding your credit report and docking up to 200 points off your credit score automatically. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/12/04/reviving-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Foreclosures of the Rich and Famous</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/24/foreclosures-of-the-rich-and-famous/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/24/foreclosures-of-the-rich-and-famous/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 20:55:26 +0000</pubDate>
		<dc:creator>Janell Hazelwood</dc:creator>
				<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43277</guid>
		<description><![CDATA[Since the highly publicized foreclosure woes of Evander Holyfield and Michael Jackson, more celebrities have joined the thousands of homeowners hit by financial strain of a weakened economy.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/24/foreclosures-of-the-rich-and-famous/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Taking Advantage of Takeovers</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/24/taking-advantage-of-takeovers/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/24/taking-advantage-of-takeovers/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 18:14:21 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[acquisition]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43264</guid>
		<description><![CDATA[When stocks rise, corporate takeovers usually aren’t far behind. Those takeovers can generate profits for investors–if you happen to own stock in the company being acquired.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/24/taking-advantage-of-takeovers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Buy Retail Stocks?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/23/why-buy-retail-stocks/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/23/why-buy-retail-stocks/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 16:25:21 +0000</pubDate>
		<dc:creator>Vicki Lee Parker</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[retail]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43243</guid>
		<description><![CDATA[As investors hunt for bargain stocks with strong growth potential, many are taking a closer look at retail stocks - and for a good reason.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/23/why-buy-retail-stocks/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Homebuyers Toolkit: Money Attitudes and Budgeting</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 22:58:00 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43188</guid>
		<description><![CDATA[Last weekend I attended The Money Conference for Women in Hartford, CT. A 26-year-old woman stood up and shared how she is more than $60,000 in debt as a result of student loans and credit cards. She makes about $40,000 a year working for a non-profit and one of her immediate goals was to purchase a home. The keynote speaker, Michelle Singletary, a nationally syndicated columnist, told her to pump her breaks and focus on paying off her debt first. Her story is all too familiar. A lot of people want to take on more debt before addressing their current issues.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/20/the-homebuyers-toolkit-money-attitudes-and-budgeting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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[Personal Finance]]></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>The Homebuyers Toolkit: Let&#8217;s Talk Money</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 00:16:16 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[grants]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[individual development account]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42935</guid>
		<description><![CDATA[The biggest hurdle to homeownership for some is the down payment and closing costs. These two expenses often deter low and moderate income individuals/families from even thinking about living the American Dream. Many people pass up the opportunity to own their own home because they’re unaware of the thousands of dollars in grant money available to assist with these expenses. The money is out there, but you need to know where to look. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/16/the-homebuyers-toolkit-lets-talk-money/feed/</wfw:commentRss>
		<slash:comments>2</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[Personal Finance]]></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>2</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[Personal Finance]]></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>2</slash:comments>
		</item>
		<item>
		<title>The Homebuyers Toolkit: Key Players</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/#comments</comments>
		<pubDate>Mon, 09 Nov 2009 23:18:41 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[home inspector]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[real estate agent]]></category>
		<category><![CDATA[real state attorney]]></category>
		<category><![CDATA[realtor]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42673</guid>
		<description><![CDATA[Buying a home is a personal decision, but the process is not so private. Generally, you’ll work with about ten people. These include the seller, attorney, real estate agent/broker, home inspector, insurance agent, surveyor, appraiser, mortgage lender, title insurance officer, and an escrow officer. The attorney, real estate agent/broker, and the home inspector are the key players.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/09/the-homebuyers-toolkit-key-players/feed/</wfw:commentRss>
		<slash:comments>4</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[Personal Finance]]></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>
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		<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[Personal Finance]]></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>The Homebuyers Toolkit: Qualifying For A Mortgage</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 16:09:50 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[adjustable-rate mortgage]]></category>
		<category><![CDATA[ARMs]]></category>
		<category><![CDATA[fixed-rate mortgage]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=42247</guid>
		<description><![CDATA[“What happens when you go to a lender,” asked Deborah Johnson, vice president and relationship manager for J.P. Morgan Chase. I didn’t know the answer and from the silence in the room, I was in good company. But Johnson, who was this week’s presenter at the Bedford Central Development Corp. homebuyer seminar series, schooled us on the mortgage process.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/11/02/the-homebuyers-toolkit-qualifying-for-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Live Large With Less Cash</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/01/live-large-with-less-cash/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/01/live-large-with-less-cash/#comments</comments>
		<pubDate>Sun, 01 Nov 2009 19:55:53 +0000</pubDate>
		<dc:creator>Lauren Lea</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40990</guid>
		<description><![CDATA[Living well on a limited budget means maximizing what you get out of life for the amount of  money you spend, says blogger J.D. Roth, a contributor to the book 10,001 Ways to Live Large on a Small Budget (Skyhorse Publishing; $14.95). Roth, Trent Hamm, and 18 other bloggers have written an easy-to-read guidebook about saving money, making sound investments, increasing earnings, and much more. The book’s money-saving techniques speak to a broad range of readers, from high school students to baby boomers.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/01/live-large-with-less-cash/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Making Changes</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2009/11/01/making-changes/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2009/11/01/making-changes/#comments</comments>
		<pubDate>Sun, 01 Nov 2009 17:09:50 +0000</pubDate>
		<dc:creator>Sheryl Nance-Nash</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Financial Fitness Contest]]></category>
		<category><![CDATA[military]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=40833</guid>
		<description><![CDATA[Richard Battles created a lifetime of memories during his 20-year Naval career. He lived in Japan for nearly three years while assigned aboard the USS Midway aircraft carrier. Over the years his travels took him to such far-off places as Hong Kong, South Korea, and Thailand. But Battles retired from his military career in 2002. “I miss the friends I made over the years, and traveling overseas,” says Battles.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2009/11/01/making-changes/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[Personal Finance]]></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>3</slash:comments>
		</item>
		<item>
		<title>The Homebuyer’s Toolkit: Getting Started</title>
		<link>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/#comments</comments>
		<pubDate>Mon, 26 Oct 2009 14:19:45 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[home buyer]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mortgage Bankers Association]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=41838</guid>
		<description><![CDATA[The process of buying a home can be overwhelming. I feel your pain, I’m there too. But there are several resources available. Let’s do this together step by step, week by week. Follow me as I go through a 16 week Home Buyer Seminar sponsored by the Bedford Central Community Development Corp. in Brooklyn, NY. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/homeownership/2009/10/26/the-home-buyer%e2%80%99s-toolkit-getting-started/feed/</wfw:commentRss>
		<slash:comments>4</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[Personal Finance]]></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>1</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[Personal Finance]]></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>1</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[Personal Finance]]></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[Personal Finance]]></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[Personal Finance]]></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[Personal Finance]]></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>2</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[Personal Finance]]></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[Personal Finance]]></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[Personal Finance]]></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>2</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[Personal Finance]]></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[Personal Finance]]></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>2</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[Personal Finance]]></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[BE Next]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[college financing]]></category>
		<category><![CDATA[Department of Education]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[money for college]]></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.]]></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>6</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[Personal Finance]]></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>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/2009/06/22/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>
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