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	<title>BLACK ENTERPRISE &#187; Personal Finance</title>
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	<link>http://www.blackenterprise.com</link>
	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>Staying on Track</title>
		<link>http://www.blackenterprise.com/magazine/2010/02/25/staying-on-track/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/02/25/staying-on-track/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 13:00:42 +0000</pubDate>
		<dc:creator>Sheryl Nance-Nash</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Magazine Features]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=48927</guid>
		<description><![CDATA[Like mother, like daughter. And that’s just fine by Dasha Lundy. Her mother taught her the importance of saving at least 10% of whatever she had.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/02/25/staying-on-track/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Living the Frugal Life</title>
		<link>http://www.blackenterprise.com/magazine/2010/01/01/living-the-frugal-life/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/01/01/living-the-frugal-life/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 18:00:51 +0000</pubDate>
		<dc:creator>Glenn Townes</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Magazine Features]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Chad Dion Lassiter]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Wanda Lassiter]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=43937</guid>
		<description><![CDATA[As a social worker, Philadelphia native Chad Dion Lassiter is used to encouraging people to take risks. He often pushes people to explore new ways to overcome obstacles in both their personal and professional lives. Lassiter’s view of risk-taking, however, doesn’t extend to how he handles money. He and his wife, Wanda, are careful and thrifty in their spending habits.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/01/01/living-the-frugal-life/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Getting on Track</title>
		<link>http://www.blackenterprise.com/magazine/2009/09/01/getting-on-track/</link>
		<comments>http://www.blackenterprise.com/magazine/2009/09/01/getting-on-track/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 15:47:31 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[financial discipline]]></category>
		<category><![CDATA[Financial Fitness Contest]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=38655</guid>
		<description><![CDATA[Tyvi Small is pursuing a doctorate in higher education administration. But when it comes to personal finance, he admits he could use a little after-school tutoring. The 31-year-old Knoxville, Tennessee, resident has a newly purchased home, a fulfilling job, and no credit card debt but he says he lacks financial discipline. As a single man with no dependents, Small spends more than he should— and therefore saves too little. Now, however, he’s determined to get his finances in order. “I entered the contest because I want to get my finances in the best shape possible. I want to get on the right track,” says Small, a diversity coordinator at the College of Business Administration, University of Tennessee.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2009/09/01/getting-on-track/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Empowering the Black Community</title>
		<link>http://www.blackenterprise.com/magazine/2009/09/01/empowering-the-black-community/</link>
		<comments>http://www.blackenterprise.com/magazine/2009/09/01/empowering-the-black-community/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 15:21:44 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Magazine]]></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://blackenterprise.com/?p=38652</guid>
		<description><![CDATA[John and Maggie Anderson are hoping to start a movement. Through their Website, the suburban Chicago couple has, so far, convinced some 7,000 consumers and businesses nationwide to join in the Empowerment Experiment.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2009/09/01/empowering-the-black-community/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Continuing Education</title>
		<link>http://www.blackenterprise.com/magazine/2009/08/13/continuing-education/</link>
		<comments>http://www.blackenterprise.com/magazine/2009/08/13/continuing-education/#comments</comments>
		<pubDate>Thu, 13 Aug 2009 17:23:13 +0000</pubDate>
		<dc:creator>Donnell Suggs</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[Continuing education]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37226</guid>
		<description><![CDATA[A recent study by the Bureau of Labor Statistics reports that master’s degree recipients earn about $13,000 more in wages per year than those who hold a bachelor’s degree alone.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2009/08/13/continuing-education/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Preparing for the Future</title>
		<link>http://www.blackenterprise.com/magazine/2009/08/12/preparing-for-the-future/</link>
		<comments>http://www.blackenterprise.com/magazine/2009/08/12/preparing-for-the-future/#comments</comments>
		<pubDate>Wed, 12 Aug 2009 17:12:24 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37223</guid>
		<description><![CDATA[Herb White, a certified financial planner and founder of Life Certain Wealth Strategies in Denver, helped Jason and Carol Wooden develop a financial plan.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2009/08/12/preparing-for-the-future/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do As I Say, Not As I Do?</title>
		<link>http://www.blackenterprise.com/blogs/2009/04/17/do-as-i-say-not-as-i-do/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/04/17/do-as-i-say-not-as-i-do/#comments</comments>
		<pubDate>Fri, 17 Apr 2009 20:31:24 +0000</pubDate>
		<dc:creator>John Simons</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=30069</guid>
		<description><![CDATA[A few days ago,  I was confronted with a very interesting issue by Black Enterprise magazine reader G. Scurry-Smith of Fleming, Florida: "Our family has stuck to Black Enterprise’s Wealth for Life principles for the last five years, and with a lot of discipline, we’ve reduced our debt by 50%.  We teach our [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/04/17/do-as-i-say-not-as-i-do/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>State of Black America: Wealth for Life</title>
		<link>http://www.blackenterprise.com/blogs/2009/04/08/state-of-black-america-wealth-for-life/</link>
		<comments>http://www.blackenterprise.com/blogs/2009/04/08/state-of-black-america-wealth-for-life/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 16:21:01 +0000</pubDate>
		<dc:creator>Earl "Butch" Graves Jr.</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[National Urban League]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=29367</guid>
		<description><![CDATA[ In its State of Black America 2009 report, the National Urban League examines challenges President Barack Obama's administration must address. The report includes essays by leading scholars, analysts, and practitioners, asking their government to respond to their concerns – and offers its specific recommendations for effectively tackling these issues.  In his essay, Black [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/blogs/2009/04/08/state-of-black-america-wealth-for-life/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making A Mark</title>
		<link>http://www.blackenterprise.com/magazine/2009/03/01/making-a-mark/</link>
		<comments>http://www.blackenterprise.com/magazine/2009/03/01/making-a-mark/#comments</comments>
		<pubDate>Sun, 01 Mar 2009 18:23:45 +0000</pubDate>
		<dc:creator>Glenn Townes</dc:creator>
				<category><![CDATA[Magazine]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=26113</guid>
		<description><![CDATA[ENTREPRENEUR ETU EVANS ENSURES THE VITALITY OF HIS COMMUNITY]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2009/03/01/making-a-mark/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>An Alternative to Credit: Layaway</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway/#comments</comments>
		<pubDate>Wed, 10 Dec 2008 16:07:27 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Burlington Coat Factory]]></category>
		<category><![CDATA[layaway]]></category>
		<category><![CDATA[Marshalls]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[retail]]></category>
		<category><![CDATA[T.J. Maxx]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=18616</guid>
		<description><![CDATA[With its roots in the Great Depression, layaway allows shoppers who don’t have enough money to pay for merchandise at once to put the item on hold while they pay over time. While layaway gives shoppers more leeway over purchases, is it a good deal for consumers in today's economy?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Blacks Build Wealth and Remain Charitable?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2008/12/05/can-blacks-build-wealth-and-remain-charitable/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2008/12/05/can-blacks-build-wealth-and-remain-charitable/#comments</comments>
		<pubDate>Fri, 05 Dec 2008 14:42:38 +0000</pubDate>
		<dc:creator>Marcia Wade Talbert</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[charitable giving]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[generational wealth]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[living will]]></category>

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

		<guid isPermaLink="false">http://blackenterprise.com/?p=16416</guid>
		<description><![CDATA[The 10 Black Enterprise Wealth for Life principles are meant to serve as a step-by-step guide to responsible saving, investing, and spending to build wealth and pass it on to future generations. Wealth preservation goes hand-in-hand with wealth accumulation. Consequently, the new principles place greater emphasis on financial discipline. Through consistent application of these principles, you and your family will be well on your way to establishing a financial legacy that will survive the test of time. We resolve to give you the tools you need to not just survive, but thrive, regardless of what the condition of the economy and financial markets.  ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2008/12/01/our-new-wealth-for-life-principles/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Financial Meltdown</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2008/03/20/financial-meltdown/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2008/03/20/financial-meltdown/#comments</comments>
		<pubDate>Thu, 20 Mar 2008 23:55:00 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Ariel Capital Management]]></category>
		<category><![CDATA[Bear Stearns]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/03/20/financial-meltdown/</guid>
		<description><![CDATA[With the Bear Stearns collapse underscoring the vulnerability of the nation’s financial institutions, leaders of African American-owned companies are facing their own challenges. The tumultuous market and economy continue to impact black-owned organizations. The subprime mortgage crisis, financial downturn, and current credit crunch still weigh heavily on their portfolios and business operations. The action the Fed took earlier this week to stimulate the economy is likely to offer some relief to black asset management firms and investment banks, but it won’t be immediate financial experts say.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2008/03/20/financial-meltdown/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Market Mayhem</title>
		<link>http://www.blackenterprise.com/wealth-for-life/retirement/2008/03/19/market-mayhem/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/retirement/2008/03/19/market-mayhem/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 13:50:00 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Ariel Capital Management]]></category>
		<category><![CDATA[Bear Stearns]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/03/19/market-mayhem/</guid>
		<description><![CDATA[The federally backed buyout of Bear Stearns Cos. Inc. by J.P. Morgan Chase &#038; Co. over the weekend was perhaps the most glaring example yet of a dismal economic climate. But while acknowledging its significance, financial experts and advisers say African American investors should keep the collapse of Bear Stearns in perspective when considering its impact on their own financial strategies.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/retirement/2008/03/19/market-mayhem/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Weekly Market Preview &#8212; 1/14/08</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/14/the-weekly-market-preview-11408/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/14/the-weekly-market-preview-11408/#comments</comments>
		<pubDate>Mon, 14 Jan 2008 16:40:00 +0000</pubDate>
		<dc:creator>William E. Thompson</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Citigroup]]></category>
		<category><![CDATA[J.P. Morgan Chase]]></category>
		<category><![CDATA[Merrill Lynch]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[State Street Corp.]]></category>
		<category><![CDATA[Wells Fargo]]></category>
		<category><![CDATA[William E. Thomason]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/01/14/the-weekly-market-preview-11408/</guid>
		<description><![CDATA[The moment of truth has arrived. Most of us in the investment community are looking for a bottom in the financial stocks and an end to the bad news around credit, subprime losses, and consumer confidence. Will this be it? Several financial services firms (I’ll call them the financial titans) are on tap to report quarterly results this week. Wall Street will have its eye on Citigroup (C), State Street Corp. (STT), JP Morgan Chase (JPM), Wells Fargo &#038; Co. (WFC), Merrill Lynch (MER), and Washington Mutual (WM) as all announce their results. I expect the market to take another beating this week. It could get ugly folks.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/14/the-weekly-market-preview-11408/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Weekly Market Preview &#8212; 1/8/2008</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/09/the-weekly-market-preview-182008/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/09/the-weekly-market-preview-182008/#comments</comments>
		<pubDate>Wed, 09 Jan 2008 02:00:00 +0000</pubDate>
		<dc:creator>William E. Thompson</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[William E. Thomason]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/01/09/the-weekly-market-preview-182008/</guid>
		<description><![CDATA[This week, I don’t think we’ll see any news or economic data that will help investors get their arms around the market and provide a catalyst.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/09/the-weekly-market-preview-182008/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Last Week in Brief &#8212; 1/4/2008</title>
		<link>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/07/last-week-in-brief-142008/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/07/last-week-in-brief-142008/#comments</comments>
		<pubDate>Mon, 07 Jan 2008 17:15:00 +0000</pubDate>
		<dc:creator>Ann Brown</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Def Jam]]></category>
		<category><![CDATA[Essence]]></category>
		<category><![CDATA[Fisk University]]></category>
		<category><![CDATA[Jay Z]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Susan L. Taylor]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/01/07/last-week-in-brief-142008/</guid>
		<description><![CDATA[Key departures and financial woes rock institutions]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/investing/2008/01/07/last-week-in-brief-142008/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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