Tag Archives: Retirement

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5 Ways to Prep for Retirement

Consider these tips if you're near retirement

We know retirement is inevitable, but it can feel far away so we drag our…

By Essence Gant

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Employees Close to Retirement Wish They Had Saved Sooner

Did you start saving early enough?

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

By Sheiresa Ngo

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Study: Generation X Unprepared for Healthcare Costs During Retirement

Are you ready for future healthcare costs?

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

By Sheiresa Ngo

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Report: Many Women Unprepared for Retirement

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

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

By Sheiresa Ngo

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How Millennials Can Score in the Game of Wealth Building

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

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

By Earl "Butch" Graves Jr.

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Merrill Lynch Study Explores Impact of Health on Retirement

Poor health can ruin your wealth

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

By Sheiresa Ngo

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

Tips for getting young professionals prepared for retirement

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

By Courtney Connley

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

New research analyzes opinions and values of generation Y

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

By Sheiresa Ngo

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Money Advice for the Sandwich Generation

Don't let competing demands ruin your retirement plans

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

By Sheiresa Ngo

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Tips for Embarking on an Encore Career

Advice for your second act

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

By Sheiresa Ngo

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Seniors Struggle to Replace Pre-Retirement Income

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

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

By Sheiresa Ngo

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7 Savvy Year-End Tax Tips for Smart Consumers

It's never to early to plan, saving time and stress

These tax tips will help you save time and money. It’s never too early to…

By Sheiresa Ngo

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[Part 2] How to Catch Up With Your Retirement Savings

Tips for boosting your nest egg

For 2014, the limit for employees who participate in 401(k), 403(b), most 457 plans, and…

By Sheiresa Ngo

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[Part 1] How to Catch Up With Your Retirement Savings

Tips for getting back on track

Roughly 55% say they are in “fair” or “poor” shape when it comes to being…

By Sheiresa Ngo

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AARP Family Expert Offers Coping Tips for the Sandwich Generation

If you're taking care of your parents and children financially, this advice is for you

If you’re overwhelmed by family obligations, know that it’s OK to reach out for support.

By Sheiresa Ngo

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AARP and SBA Share Start Up Advice on Entrepreneurship for the 50 Plus

[Part 2] Retirement Tips for the Sandwich Generation

Advice from TIAA-CREF financial planner Shelly-Ann Eweka

Are you caught between saving for retirement while taking care of your children’s needs as…

By Sheiresa Ngo

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

Retirement Tips for the Sandwich Generation

Tips from TIAA-CREF Financial Planner Shelly-Ann Eweka

If you’re stuck in the middle between college savings and caring for aging parents, you…

By Sheiresa Ngo

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TIAA-CREF Survey Details Retirement Contribution Challenges

Workers are losing out hugely. Here's why

Research has found that workers are losing out hugely in terms of retirement contributions, with…

By Sheiresa Ngo

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Survey: Gen Xers Still Recovering From Recession

Many are not saving enough for retirement and plan to work beyond age 65

Research finds many Generation Xers aren’t saving for retirement.

By Carolyn M. Brown

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Women of Power: Spelman College President Beverly Tatum Talks Fundraising, Fitness and Retirement

Barbara Graves Award honoree stresses need for education on health and wellness

Spelman’s President Dr. Beverly Daniel Tatum talks hitting her historic fundraising goal, changes at Spelman…

By Courtney Connley

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AARP and SBA Share Start Up Advice on Entrepreneurship for the 50 Plus

New Social Security Rule Affects Boomers

Those who've had both private and public jobs may see adjustments

Social Security is calculated in favor of low wage earners.

By Sheiresa Ngo

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How to Avoid an IRA Early-Withdrawal Fee

These exceptions to the rule can save you money

Generally, withdrawing funds before age 59 ½ will cause you to get slapped with a…

By Sheiresa Ngo

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Report Finds Differences in Retirement Savings Habits

Roth IRA investors tend to be consistent savers

A recent report shows in any given year, more than three in 10 Roth IRA…

By Sheiresa Ngo

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retirement

Caution: FTC Warns Against Pension Advances

Additional costs might not make this such a sweet deal

Many pension advances require that you sign over all or some of your monthly pension…

By Sheiresa Ngo

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AARP and SBA Share Start Up Advice on Entrepreneurship for the 50 Plus

Senior Sensibilities: How to Talk to Aging Parents About Money

Use this strategy to help senior loved ones manage their finances in retirement

Talking about money can be challenging, but it gets even more tricky when it’s your…

By Leslie E. Royal

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What You Should Know About the Roth 401(k)

Determining when to pay taxes could make all the difference in your retirement nest egg

While many people save for retirement in a 401(k) plan because it lets them defer…

By Tamara E. Holmes

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AARP and SBA Share Start Up Advice on Entrepreneurship for the 50 Plus

AARP Releases Survey of African American Baby Boomers

African Americans over 50 share concerns about employment, education and workforce discrimination

AARP recently came out with a survey assessing the concerns that matter most to…

By Sheiresa Ngo

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retirement

5 Things to Know about Phased Retirement

Is easing into your golden years right for you?

Here’s what you need to know about phased retirement:
1) You’ll see whether your retirement savings is…

By Sheiresa Ngo

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4. Increase your savings

Don’t feel like you can save more money---or are you simply fed up with getting next to nothing on the savings you are stashing away? Maybe the best way to begin saving more money is just by getting a different savings account; online savings accounts boast rates that are sometimes five times the national average.

Use MoneyRates.com to find which banks are offering the highest interest rates on savings accounts, CDs and money market accounts.

Retirement Planning Milestones

How to plan for your golden years at each life stage

Are you prepared for retirement? If not, you have plenty of company.
The Center for Retirement…

By Sheiresa Ngo

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Entrepreneurs Conference: How to Grow, Protect and Distribute Your Assets

Insurance can make rebounding after losses that much easier. Here's how

Insurance can make rebounding after business losses that much easier for entrepreneurs. Leaders share how…

By Janell Hazelwood

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retirement

Organization Proposes Changes to myRa

Among the proposals to assist consumers with saving for retirement, is President Obama’s  proposed myRA…

By Sheiresa Ngo

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

Make sure to choose wisely

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

By Sheiresa Ngo

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3 Retirement Killers: Protect Yourself Now or Regret it Later

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

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

By Alfred Edmond, Jr.

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

Personal Finance Word of the Day: myRA

Your daily money bite

Description of new retirement account

By Sheiresa Ngo

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How to Start Your Retirement Planning in an Intelligent Manner

Tips for planning for your golden years

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

By Sheiresa Ngo

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If you are considering offering a retirement plan for your employees, doing so before the end of the year could provide tax benefits.  Your business might be eligible for a $500 tax credit for the first three years of your plan to help defray setup costs. In addition, any employer contributions to employee plans enjoy tax deductions, and a business owner can realize personal tax savings by contributing to a plan.

5 Must-Haves to Get Your Retirement Plan Started

Financial planner offers tips to help get you on the right track

Financial planner offers tips to help get you on the right track

By Alan Hughes

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Retiring on Time is No Longer Realistic for Many Americans

An increasing number of workers will remain in the workforce longer than anticipated

If you’ve come to the realization that you won’t be able to fully retire when…

By Sheiresa Ngo

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Don’t Let Boomerang Kids Ruin Your Retirement

Here’s how to protect your finances from children returning to the nest.

Tips for protecting your retirement funds when you have children.

By Sheryl Nance-Nash

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How Do You Get Started on your Business Continuity Plan?

Can Your Retirement Fund Your Next Business?

Retirement accounts can fund your next business, but beware of tax penalties

Can you use the money in your retirement account as capital for your business without…

By C. Daniel Baker

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#WealthforLife Wednesdays: Retirement Plan Options for Small Businesses

Make your money work for you after you've worked for it

“Small business owners need to think about the what if,” says McKenzie Slaughter. Reinvesting all…

By LaToya M. Smith

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Several Factors Determine Best States to Retire in, Expert Says

Bankrate rated the best and worst states to retire in

Relatively cold states with high taxes and a high cost of living such as Oregon…

By Darren Sands

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Help Mom Build Wealth for Mother’s Day

She's spent your whole life investing herself in you. Doesn't she deserve financial security for herself?

Your mother has probably spent your entire life investing in you. Mother’s Day is a…

By Alfred Edmond, Jr.

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Financial Woes: Workers are Saving too Little to Retire

New survey reveals Americans are not enough retirement dollars.

Fifty-seven percent of surveyed Americans reported less than $25,000 in savings and investments.

By Gerren Keith Gaynor

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Looking Back: 4 Signs Your Career is Going Nowhere

If you want to make your days worthwhile, take heed to these suggestions

At the end of the day, you want a lasting legacy that was fulfilling and…

By Sasha King

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taxes

Wealthy Giving Big Gifts Before 2013 Tax Hike

The fiscal cliff has scared some to giving away fortunes

Could this trend prove prudent?

By Ashley R. Harris

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The Talk: Um, Mom … Just How Much Are You Worth?

Kids worry they'll have to take care of their parents after retirement, but most parents are OK

A familial financial dilemma

By Ashley R. Harris

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Hey Small Business Owners: Do You Have a Nest Egg?

40% of small business owners have no retirement savings

40% of small business owners have no retirement savings

By C. Daniel Baker

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Generation X’ers Retirement Fears Grow as Economy Slowly Recovers

What's retirement mean for the generation who thought they'd never die?

Their fears can be attributed to the decline in wage earnings during the recession and…

By Ashley R. Harris

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Evander Holyfield Retiring?

It's been fifteen years since he lost part of his ear to Mike Tyson

It’s been fifteen years since he lost part of his ear to Mike Tyson

By Makkada B. Selah

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Are You Confused About Retirement?

Find out the reality of retirement options with this quiz

Find out the reality of retirement options with this quiz

By Sakina P. Spruell

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Black Grads: ‘We’re More Financially Responsible Than Past Generations’

Do you agree or disagree?

Seventy percent of African Americans age 18 to 34 said they were either “disciplined” or…

By Darren Sands

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Startup Lessons from an NFL Coach

Former Player Prepares Athletes for Success in Franchising Post-Retirement

Pro athletes get valuable financial advice on franchising from former NFL player Anthony Simmons

Former NFL player Anthony Simmons’ bi-annual Franchise & Investors Show provides pro athletes with tools…

By Branden J. Peters

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Farrah Gray (@RealFarrahGray)  	The entrepreneurial spirit burns bright in Farrah Gray. Since the age of 6, the CEO of Farrah Gray Publishing has been a salesman and by the age of 16, he launched close to a dozen small businesses and social enterprises. This entrepreneur has received many awards and accolades for his noteworthy accomplishments, including the Young Entrepreneur Trumpet Award, an honorary doctorate degree of humane letters from Allen University, The National Urban League Whitney M. Young Jr. Entrepreneurship Award and The Urban Business Roundtable's Top 40 Game Changers of Chicago.

Free!! Books of the Week – Get Real, Get Rich

Having a hard time controlling your personal expenses, or could you be looking toward future…

By Sasha King

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

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

12 Financial New Year’s Resolutions for 2012

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

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

By Lynnette Khalfani-Cox

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Frank Rice

Former NFL Player Finds Success in Franchising & Television

From the gridiron to the grill, Frank Rice tackles the restaurant business and Hollywood

After a career-ending injury, NFL star Frank Rice found success through family franchising and appearing…

By Mia N. Hall

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Kason Davis

Too Young to Think About Retirement? Think Again!

Just ask today’s retiring boomers whose retirement plans have fallen short. Even for those with…

By LaToya M. Smith

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Photo by Chris Hamilton

Tackling a Prosperous Retirement

Business investments are paying off for ex-football player Tony Jones and wife Kamilla

Retired NFL offensive tackle Tony Jones and his wife, Kamilla, have heard the horror stories…

By Aisha I. Jefferson

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When it comes to success in getting and making a living from freelance work, the more resources, the better. Here are 6 resources every independent worker should know about, from health insurance information to getting your next gig.  --- Starrene Rhett

6 Resources Every Freelancer Should Know

From health insurance to job opportunites, these will ensure your career success

When it comes to success in getting and making a living from freelance work, the…

By Starrene Rhett

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How much do you think you need to save for retirement? According to a survey of registered investment advisors (RIAs) commissioned by Scottrade Services, the average American believes they need around $1 million to retire comfortably. However, many advisors say that most couples could need two to three times this amount to make sure they don't outlive their money. (Use this calculator from cnnmoney.com to estimate how much you need.)  Regardless of whether you’ll truly need $300,000 or $3 million, The cold, hard truth is that many baby boomers and pre-retirees simply will not save enough money to retire comfortably. Thus, retirement in the traditional sense is simply out of the question. If you’re one of those people, what choices do you have? Here are some options to consider.---Lynnette Khalfani-Cox

What to Do If Retirement is No Longer an Option

Times have changed, and so have dreams of an early retirement. Use these tips to make sure to make sure you prepare for your future

Times have changed, and so have dreams of an early retirement. If you’re close that…

By Lynnette Khalfani-Cox

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Playing Catch-Up

To reach their retirement goals, Lee and Tayo Ferguson must save more and spend less

Lee and Tayo Ferguson have all the trappings of middle-class success: two stable careers, a…

By Carolyn M. Brown

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End of the World Checklist: Do You Have Your Financial House in Order?

What will your financial legacy say about you when your world ends?

BlackEnterprise.com’s checklist to prepare to leave behind your financial legacy via estate planning and living…

By Janell Hazelwood

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Switching Jobs: What Happens to My 401(k)?

When making a career move, be sure to know your options and protect your retirement money

Four options for handling retirement plan assets when you change jobs

By LaToya M. Smith

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On Their Behalf

Choose the best retirement plan for your employees

Only 18% of small business owners participate in a 401(k) or thrift plan according to…

By Renita Burns

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According to the 2010 Ariel Black Investor Survey, African Americans consistently saved and invested less than whites of similar incomes over the past decade. As BLACK ENTERPRISE CEO Earl "Butch" Graves, Jr. wrote in a recent Executive Memo: "Make money work for you, not against you. We must reverse this trend by taking a disciplined approach." For the February issue of BLACK ENTERPRISE magazine, I charged our Finance Editor John Simons and our Consumer Affairs Editor Sheiresa Ngo with wwweloping 10 power moves to improve our readers' finances. Follow these tips to better manage your money today an dreap huge benefits tomorrow!--Derek Dingle

10 Power Moves to Help You Better Manage Your Money

Simple steps to help you spend, save and invest smarter

According to the 2010 Ariel Black Investor Survey, African Americans consistently saved and invested less…

By Derek T. Dingle

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6) The rich versus the wealthy: Chris Rock says there's a big difference between rich and wealthy. (Remember? “If Bill Gates woke up with Oprah’s money he’d jump out a [bleeping] window.”) Maybe not; but White believes the true definition is when you no longer have to work for your money; instead your money works for you, your children, your grandchildren... "If you can invest and have your money yield whatever the prevailing interest rate is on that amount at the time, say 3%, and you can live off that interest, you're on your way to being wealthy.”

4/11: 11 Ways to Get Your Money Right for the New Year

Time to get serious about your money matters. Here's how!

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

By Elayne Fluker

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Year-End Financial Checkup

Use this guide to help you evaluate your financial health

Here are some guidelines to help you conduct your own financial checkup.

By Sheryl Nance-Nash

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Middle age. In your 40s and 50s, retirement should be top of mind now more than ever. Make sure that you’re taking full advantage of your company’s retirement plan. Contribute at least enough to receive the full match. Also make sure that you haven’t underestimated your time horizon. You don’t want to run out of money too soon.

Smart Money Moves for Every Stage of Life

You're never too young to start planning for your financial future

No matter what stage of life you’re in, it’s never to early–or late–to begin managing…

By Sheiresa Ngo

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Building Wealth Requires Do-it-Yourself Investing

Increasingly, we must all fend for ourselves when it comes to living comfortably in our golden years

This year, my 6-year-old daughter, Ella, learned how to count money. I burst with…

By John Simons

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Plan Well, Retire Rich

How Tony Gittens and Jennifer Lawson invested for a long, healthy retirement

If You were to accuse Tony Gittens and his wife, Jennifer Lawson, of being obsessive…

By Glenn Townes

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Middle-class African Americans are more likely than whites to have cut back on saving and investing in order to make it through the recession, according to the 2010 Ariel Black Investor Survey. The data is not unexpected since the unemployment rate for African Americans (15.4%) continues to track higher than the overall jobless rate for all Americans (9.5%). “In times of economic hardship, people have to make difficult decisions,” said Mellody Hobson, Ariel president and columnist for Black Enterprise magazine. “Unfortunately, the resulting trade-offs mean many in our community are slipping even further behind.”

African American Investors are Down, but Not Out

Cutting back on saving and spending, helps blacks make it through recession

Middle-class African Americans are more likely than whites to have cut back on saving and…

By Deborah Creighton Skinner

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eyesontheprize

Eyes on the Prize

April McLemore wants to �retire by age 55. But will she have enough money saved in 16 years to live �comfortably?

Friends and family aren’t likely to find April McLemore shopping in stores such as Nordstrom…

By Carolyn M. Brown

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Investing 101: Which Method Will You Use to Invest?

Do you go it alone or use a financial adviser? Your answer will determine your investing plan

Before you get too far along in creating your investment plan, stop and take a…

By Patricia Stallworth

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Investing 101: How to Create the Perfect Financial Plan

Don't wait. Prioritize your goals and get started now!

A good plan is key to a successful investment program. The basis or foundation of…

By Patricia Stallworth

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End Your Comfortable Relationship With Debt

Financial freedom gives you real control over your life, but it comes at a price

In many cases, the biggest determiner of whether or not you achieve financial independence lies…

By Patricia Stallworth

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Money Matters: Managing Retirement Accounts

I have a few retirement accounts set up. Can you provide me with a list…

By John Simons

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Investing Rules for Women: Invest for Your Retirement

Once you start putting money in that retirement purse, don't take it out

There are countless resources available to help you learn the fundamentals of investing. This week,…

By Sheiresa Ngo

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Investing Rules for Women: Start Early

Sure, investing can be intimidating. And if you’re averse to what can appear to be…

By Sheiresa Ngo

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Family Ties

How three generations of one family work together to build a financial legacy

Avery Allen isn’t your typical 12-year-old. Unlike most of his peers, he doesn’t see his…

By Bridget McCrea

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Investing Rules for Women

These tips will make your money grow

Sure, investing can be intimidating. And if you’re averse to what can appear to be…

By Sheiresa Ngo

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03WFL-Smith

Building Wealth

Ebony Smith seeks the tools to increase her net worth

Ebony Smith says losing her job was a blessing in disguise. In 2008, the former…

By Sheryl Nance-Nash

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How Safe Are My IRA Funds?

Are my retirement funds also safe under FDIC protection or should I move that money…

By Carolyn M. Brown

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Money Matters: Preparing for Retirement

Ask yourself key questions to reveal how best to structure your investments

I’m 61 years old and would like to retire in seven years. I have…

By John Simons

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Super Savers

Derick Pearson and Felecia Hatcher and committed to building their nest egg

Newlyweds Derick Pearson and Felecia Hatcher are first-rate savers. Pearson was raised in a large…

By Dale Coachman

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Investing in the Future

Larry and Brenda Breland devised a savings plan that funded their retirement and put their children through college

Educating young minds for some 30 years is no small feat. But it was a…

By Carolyn M. Brown

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How to Close the Savings Gap

What business and government can do to address racial disparities in retirement investing

When it comes to retirement savings plans, African Americans and Hispanics participate less often, contribute…

By Mellody Hobson

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All Star Advice

Financial Planners, investment gurus, realtors, tax advisers, and insurance agents share their best advicein their own words

Now that the world’s economic outlook appears less gloomy than in months past, black enterprise…

By Renita Burns

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Rethink Your Retirement Plan

What you can learn from expert makeovers of real-life retirement savings strategies

There are few guarantees in life—especially when it comes to planning for your golden years.…

By Donald Jay Korn

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Investing in the Future

Larry and Brenda Breland's savings plan funded their retirement andput their kids through college

Educating young minds for some 30 years is no small feat. But it was a…

By Carolyn M. Brown

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Financial Desperation Can Derail Your Retirement Plan

I have never been a fan of the old saying, “Desperate times call for desperate…

By Earl "Butch" Graves Jr.

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Making Long-Term Care Plans for Elderly

Six steps to usher aging relatives into their golden years

People who want to help aging parents can use common sense and a little bit…

By James A. Anderson

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How Creative Planning Can Help Beat Costs of Elder Care

Handle the financial pinch with diligence, understanding

Just five years ago Jan Bryant, an executive for a non-profit television network, CoLours TV,…

By James A. Anderson

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Preparing for the Future

Jason and Carol Wooden are expecting a bundle of joy. Will they be able to quit their day jobs early and enter semiretirement?

Herb White, a certified financial planner and founder of Life Certain Wealth Strategies in Denver,…

By Sheiresa Ngo

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A Bird in the Hand

Annuities have become popular among investors who fear they'll outlive their assets

Even the best prepared seniors enter retirement facing a dilemma: Is it possible to live…

By John Simons

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Aviation Veteran Talks Re-entering the Workforce

Skills upgrade, confidence important for retirees, seniors

With company layoffs and cutbacks, workers across the nation are struggling to navigate a tough…

By Janell Hazelwood

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Not Quite a Bull’s Eye

Imagine an investment that magically adjusts itself over time to reflect your financial needs—as you…

By Dale Coachman

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wflprinciple6

6. I Will Devise an Investment Plan for My Retirement Needs and Childrens’ Education

The reality is that your chances of building wealth are optimized when you invest. It…

By Carolyn M. Brown

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Medgar Evers College President Retiring

Edison O. Jackson leaves distinguished academic legacy

After 20 years, Edison O. Jackson will retire this summer as president of Medgar Evers…

By Renita Burns

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Saving Early for Your Retirement

Though decades away, developing a plan in your 20s vital

n your 20s, retirement is a bit like global warming. You know the day of…

By Ilana Polyak

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Diversifying Pays Off

The Browns use disciplined investment approach

Taking Risks isn’t easy—especially when it comes to one’s finances. Over the years, Bruce Brown…

By Sakina P. Spruell

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You Can Retire Early

Live off of your retirement income before age 62

If you’re not sure about when to retire, you’re not alone.

By Donald Jay Korn

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Seeking A Golden Retirement

Using shrewd, disciplined investing, the Smiths prepare themselves for life after work

The birth of their first child in 1984 prompted Johnny and Karen Smith to embark…

By Nicole Lewis

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