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    3 Ways Social Security Recipients Can Guard Against Inflation


    Social Security plays a critical role in providing a financial safety net for American retirees, many of whom depend on it for half of their income – or in some cases much more than half.

    So it’s no wonder politicians and pundits frequently fret over Social Security’s health and how long it can continue to exist without changes. What they don’t talk as much about are problems with the program’s annual cost-of-living adjustments (COLA).

    “But you’ll likely get an earful on that topic down at your local senior center,” says Darryl Rosen, founder of the Rose Advisory Group (www.roseadvisorygroup.com).

    COLA is the annual raise Social Security beneficiaries receive each year – at least in theory. Some years (2010, 2011, 2016) there was no increase at all. For 2017, the bump was just 0.3% ­– the smallest year-to-year increase on record.

    Though recipients would like their raise to be equal to or greater than inflation, that’s rarely the case, Rosen says. In fact, a recent study from The Senior Citizens League says Social Security beneficiaries have lost nearly a third of their buying power since 2000.

    “And retirees are feeling that loss at the grocery store, the pharmacy, the gas station – even when paying their Medicare premiums,” Rosen says.

    While Washington lawmakers – and all those pundits – continue to ponder Social Security’s future, here are Rosen’s suggestions for how you can better protect your retirement from inflation:

  • Delay claiming your Social Security benefits until age 70. “The longer you can wait, the more you’ll get every year,” Rosen says. Each year you delay past your full retirement age, your benefit increases by 8 percent until you reach age 70. If you claim your benefits before your full retirement age, you’ll receive a reduced benefit. You can choose to retire as early as age 62, but doing so may result in a reduction of as much as 30 percent.


  • Find alternative ways to pay for health care and long-term care. Health-care costs have been projected to jump as much as 6 percent annually in coming years. “Over time, that’s going to consume more and more of your budget,” Rosen warns. “So finding the best way to cover those costs is crucial for retirees.” When you sign up for Medicare benefits, be careful to choose the supplemental insurance plan that best suits your needs. And don’t forget to plan for long-term care. “Those costs can demolish even the best-laid retirement plans,” Rosen says.


  • Keep some portion of your portfolio invested for growth. While you should gradually move to a more conservative investment mix in retirement, most “safe” investments don’t provide enough growth to outpace inflation, Rosen says. “Consider incorporating stocks and other investment vehicles that add a prudent level of growth.”


  • “Financial professionals spend a lot of time talking about market risk and what it can do to retirement, but inflation is another risk retirees need to be vigilant about,” Rosen says. “It should be a significant consideration when building any retirement plan.”

    About Darryl Rosen
    Darryl Rosen, founder of the Rose Advisory Group (www.roseadvisorygroup.com), is a financial advisor, CPA, educator, and author of eight books, including The Race of Your Life: How to Reach Retirement with Cash in the Bank and Fuel in the Tank! He also is a Retirement Income Certified Professional (RICP), focusing not only on the accumulation of assets, but also in helping clients best manage those assets in retirement to avoid running out of money. He has an MBA in Marketing and Organizational Behavior from Northwestern University’s Kellogg School of Management and holds a bachelor’s degree in accounting from Indiana University.


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    4 Tips For Limiting The Taxes On A Robust 401(k)


    Baby boomers must feel a little like lab rats when it comes to retirement. After all, their generation is the first to truly feel the effects of the shift from traditional pensions to employee-contribution plans that started in the 1980s.

    We’ve heard plenty about the failures: According to a 2016 PWC survey*, roughly half of all baby boomers have set aside $100,000 or less for retirement. And without a pension, that could leave them overly dependent on Social Security checks.

    What we haven’t heard nearly as much about are the people who get to the end of the savings maze with hundreds of thousands of dollars growing tax-deferred in 401(k)s and 403(b)s.

    Maybe that’s because the experiment isn’t over for them just yet.

    “There are many people out there with 401(k)s who suddenly must think about how those savings will be taxed by Uncle Sam,” says Ben Schrock, an Investment Adviser Representative and president of B.A. Schrock Financial Group in Ohio (www.baschrock-fg.com.)

    “The government can hardly wait to get its hands on all the money people didn’t pay taxes on while they were working.” When savers take distributions from those accounts in retirement, it’s taxed as ordinary income, just like a paycheck, he says. “And retirees are often surprised to see the effect it can have on their bottom line.”

    Here are a few ways you can avoid being caught unprepared by taxes in retirement:

  1. Think twice before withdrawing 401(k) funds to cover a big expense. “I never want to discourage people from making a big buy – a new car, a trip or some other big-ticket item,” Schrock says. “I just want to make sure they’re aware of the consequences. If they pull out a chunk of money from a tax-deferred account, it might increase their current tax bracket, triggering more taxes that year.”


  2. Be aware of how all your retirement income streams will be taxed. Taxes on your 401(k) distributions are a factor all on their own, but you also must keep tabs on how those distributions will affect the taxes on other income streams, including Social Security, Schrock says. In addition, if you withdraw money from a tax-deferred account before you reach age 59½ you will be charged a 10 percent penalty along with taxes.


  3. Watch out for required minimum distributions. Ready or not, when you reach 70½, the government is going to get its share of your tax-deferred savings, Schrock says. That’s because you’re required to withdraw a minimum amount each year and that withdrawal is taxed. “I often do Roth conversions for clients in their 50s and 60s to limit their exposure to RMDs,” Schrock says.


  4. Consider where you’ll put your money when you take your RMDs.Many people make the mistake of putting those RMDs into investments that don’t make any money or where the gains could be taxed again, Schrock says. “Your adviser can help you pick the path that’s best for you,” he says.


  5. Because they’re largely invested in 401(k)s, many baby boomers never get around to hiring a financial advisor. Schrock says you probably can get away with being hands-off during the years you’re contributing to those funds.

    “But in retirement,” Schrock says, “a specialist is needed to give you the strategies you’ll need to take control of your investments and avoid surprises.”

    * PwC, April 2016, “Employee Financial Wellness Survey 2016,” https://www.pwc.com/us/en/private-company-services/publications/assets/pwc-2016-employee-wellness-survey.pdf, July 20, 2017.

    About Ben Schrock
    Ben Schrock (www.baschrock-fg.com) is an Investment Adviser Representative, insurance professional and president of B.A. Schrock Financial Group, an independent, full-service financial advising firm in Wadsworth, Ohio. He holds a National Social Security Advisor™ designation, as well as a Behavioral Financial Adviser™ designation. He received a Bachelor of Arts degree in psychology from The College of Wooster in Wooster, Ohio, where he played football for The Fighting Scots for four years.

    Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and B.A. Schrock Financial Group are not affiliated companies. Investing involves risk, including the potential loss of principal.


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    African American Income Disparities And Bridging the Gap

    By Phil Andrews


    Phil Andrews


    African American Income Disparities has gained widespread attention over the last decade in many publications. The root of the problem of income disparities may be solved by creating an early track for financial empowerment for future generations. Mr. Earl Graves of Black Enterprise in the past has called upon all African Americans to make a declaration of financial independence and to become homeowners by the age of 25. I agree with Mr. Graves’ philosophy and I was fortunate to become a homeowner at the age of 25. Home ownership is one of the major areas where we can make a dent in the income gap that we currently have compared to other groups.

    I would also encourage all African Americans to begin to cultivate financial literacy in their offspring at an early age. Percy Sutton made a statement that affected my life at an early age; he stated, “I didn’t grow up in a culture of business.” He also said, “All of my life I have had access to people of ability, but I did not have access to capital, I believe anything is possible in life if one has access to capital and people of ability.” His statement encouraged me so much that I begin talking to a few co-workers about opening the Haircut Hut Barbershop Franchise, I immediately responded “ let’s get some investors.” Oftentimes, in life what we can’t do alone we can do together as a team. Business often needs different mindsets, skill sets, and people with different financial means to get a business off the ground.

    I am encouraged that our future generations will produce outstanding businessman and businesswomen. An old saying is that which first appears in the race, must first appear in the individual. We will begin to bridge the gap when we begin to teach our children the value of savings and investing at an early age. The establishment of youth entrepreneurial programs will be an added benefit to our future generations. The earlier we begin this new model of achievement, the more we will be able to stay ahead of the learning curve and program. Every African American Businessman and Businesswoman should look to mentor a member of the future generation to ensure an ongoing legacy, and to maximize the time our future generations with have to work with sound business concepts to grow their business enterprises.

    In the book “Rich Dad Poor Dad” Robert Kiosaki states that when you have the education and experience, increased capital while soon find a way into your purse in the form of savings, investment and real estate. W.E.B Dubois was an advocate of planning and stated “We should plan our lives fifty years in advance. He also said “To live life without planning is to live life as if it is not a serious thing.” I had the experience of running the the Haircut Hut Barbershop Franchise for a period of over ten years. In this experience, I learned how to make a million dollars, and it created a tremendous amount of leverage for me in my life.

    I was able to take the running of a simple barbershop and catapult that experience to open doors for me such as being elected to the Board of Directors of the 100 Black Men, Roosevelt Chamber of Commerce, Hempstead NAACP Executive Committee, West Indian American Chamber of Commerce PR Director, and receive the Nassau Council Chambers of Commerce/Roosevelt Small Business Person of the Year, and the Nassau County Council of Chambers/West Indian American Chamber of Commerce Small Business Person of the Year. I have served on the following committees during my tenure at the 100 black Men Membership, Gala, Mentoring, Education, and Public Relations. In 2009 I was elected to the presidency of the 100 Black Men by my local chapter and served in that capacity for two terms. Past PR positions included African Atlantic Genealogical Association, Harlem Book Fair on Long Island, Queens Book Fair, Black Business Circle, Awareness Magazine, and CB Books Distribution.

    In order for African Americans to bridge the gap between income disparities , we must start sooner than later. Time is one of the resources that we have of the planet. It is often said that Bill Gates is given the same 24 hours in a day as each and everyone of us. The question remains are you fully utilizing all of your God given attributes to your fullest potential. In our space, In our time, we can and must make a difference. Let do it!

    I recommend that we embrace Dr. Boyce Watkin’s Business School today online and begin the process of decreasing the income disparities through direction. Click on Black Business School to sign up today!

    Phil Andrews is the President of the Long Island African American Chamber of Commerce, Inc. an affiliate of the US Black Chambers, Inc. and Past President of the 100 Black Men of Long Island. Mr. Andrews is also the President of the Black Public Relations Society-New York an affiliate chapter of the National Black Public Relations Society. Mr. Andrews has appeared on WABC Here and Now and NBC’s Positively Black. Mr. Andrews is a Black Enterprise BE Modern Man.


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

    No Implied Endorsement:
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    D'Arcy Wealth Management YTD portfolio performances

    By Dempster R 'Bobby' Cherry


    Wealth Management general portfolios


    Dempster R 'Bobby' Cherry
    D'Arcy Wealth Management, Inc.
    Wealth Manager

    Inland Empire – San Diego
    909-754-1570 office

    619-251-7993 mobile
    CA Insurance License 0H34723


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

    No Implied Endorsement:
    BlackRefer.com does not endorse or recommend any article on this site or any product, service or information found within said articles. The views and opinions of the authors who have submitted articles to BlackRefer.com belong to them alone and do not necessarily reflect the views of BlackRefer.com. Resources/links that may be included in said articles are only suggested as sources for the reader to explore but we can't confirm or take responsibility for it's accurateness.






    8 WAYS TO LAND THE FIRST INVESTMENT IN YOUR STARTUP

    By Tara Reed


    Asking for money is never fun, but it can be a dreadful experience as a startup when you need people to invest in your ideas. Of course, if it’s a business, product or invention you are passionate about, it will pay off in the long run. Although you might be met by repeated rejection, you must persevere. If your idea provides enough value for people, solves a problem or helps them in some way, investors are going to be more likely to provide the necessary funding you desperately need.

    When presenting to your investor audience, do so with poise and preparation. Here are seven ways to land the first investment in your startup.

  1. Make Some Money


  2. Investors want to know your idea can make money. So, before you start looking for investments, build the first version of your product, get it in front of real users, and start generating revenue. Even your first few thousand dollars can go a long way in demonstrating the potential of your business. This kind of measurable result is especially important to angel investors and startup accelerators, more and more of whom are looking to invest in startups that have already proven the validity of their business model.

  3. Pitch Competitors


  4. Know your message well, and be prepared. You are not the first to make a pitch to them, so it needs to be well executed. Be prepared for the questions that are to come. Most of these will extend beyond the product or service itself, to you and your team.

    Investors are keen to the fact that a successful startup operates under many variables. Competitors offer key research for your market, and can absorb your company leading to expansion. Be sure to not give too many details, just in case you decide against their investment. Be careful, some competitors take these meetings to pick your brain.

  5. Startup Accelerators / Incubators


  6. Accelerators and incubators offer startups the opportunity to better secure VC (venture capitalist) funding later. Accelerators provide mentorship for a specific amount of time. Not only do you receive the knowledge and assistance of mentors, but a small amount of seed money is given, too. This assistance is in exchange of a portion of equity in the company.

    Incubators on the other hand are often funded by more public entities. Incubators provide office space in exchange of geographic relocation. Both accelerators and incubators are application processes, but incubators can be obtained through trusted partnerships as well. These options provide more support than financing. Often accelerators and incubators are a good first step.

  7. Treat Your Customers as Investors


  8. Your early customers can actually be some of the best investors in your business. Especially if you’re running a B2B startup, seek out arrangements in which you develop frequently requested features with their investment. If you’re marketing direct to consumers, be transparent about the vision for your company, and do not undervalue your product or service. Consumers who feel invested in your mission will reward you with loyalty and continuing business.

  9. Nonprofit Grants


  10. Grants are amazing because you don’t have to pay them back. Also, you do not have to give up any ownership of your company. However, applying for grants is endless and a constant consumption of time and energy. If you know how to write in the formulaic manner that grants require, you may be in luck.

  11. Angel Investors


  12. Oftentimes, these networks invest in companies that are operational and have a revenue stream established. Bio-tech is an exception. A polished presentation is a must. The presentation must discuss an in-depth business plan and projections. Angel Investors begin based on your idea, but invest based on confidence in management. Just remember, as with most investment deals, it usually comes down to who you know. Make sure to take advantage of your existing network, and ask your contacts for introductions to investors they may know.

  13. Crowdfunding


  14. Crowdfunding your startup investment is a great way to demonstrate transparency to your audience. It can cause your consumers to feel more personally invested in the company. Focusing on email campaigns is a great way to obtain pledges. Make it personal, to foster a more personal connection with customers. Include a little brand-specific thank you gift for those who donate. Design separate sponsorship levels or tiers for varying degrees of donations.

    There are crowdfunding platforms that target industry-specific projects. Little seeds of conversations with higher-ups at crowdfunding platforms can blossom into big investments. Take every opportunity to network and connect with those in the industry.

  15. Personal Contacts


  16. When raising money from non-business entities, two methods reign true: many small incremental investments or a few larger ones. Sometimes a combination of the two can be harnessed, but it depends on your product and company experience. When asking personal contacts, you are less likely to harm a relationship over a smaller donation. More money equals more investment, fiscally and personally. Often personal contact investments come from a more patient source.

    Make your pitch to personal contacts. Keep it business-like and professional with your personal touch. It is better to be more professional in these situations because you will be taken more seriously. Family and friends are more likely to invest if they feel confident in your business and abilities.

    It is up to you, which methods you will utilize in which order. Finding investments for your business is not easy, and requires serious hard work. Work hard and know yourself, the product, and your company. If you are genuine and determined, your passion will be contagious. The funding will come if the idea is strong and the need is there. Overall, be well-versed in your company and strategies.

    Tara Reed is CEO of AppsWithoutCode.com, where she helps non-technical founders build apps without code using the same process that got her a successful app, thousands of users, $100,000 in revenue and $300,000 in investments in less than a year. Twice a year, Tara runs Apps Without Code Bootcamp — an 8-week intensive program to validate your idea, build the first version of your app, and launch your startup. Learn more at webinar.appswithoutcode.com


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    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    New Report: U.S. Cities with the Best & Worst Credit Scores


    Did you know that cities from Massachusetts, California, Wisconsin, and New Jersey dominate the list of the 500 cities with the best average credit scores?

    We released a new report highlighting this data: https://lendedu.com/blog/best-credit-score/

    We used licensed data from Experian to formulate our rankings that include the following:

    500 U.S. cities with the best average credit scores
    500 U.S. cities with the worst average credit scores
    Credit score rankings for the 100 biggest U.S. cities
    VantageScore 3.0 credit scores for over 1,000 cities

    Read More About LendEDU:
    LendEDU Is Making Student Loan Refinancing Easier @ TechCrunch Medical, Dental, 401(k)? Now Add School Loan Aid to Job Benefits @ New York Times


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

    No Implied Endorsement:
    BlackRefer.com does not endorse or recommend any article on this site or any product, service or information found within said articles. The views and opinions of the authors who have submitted articles to BlackRefer.com belong to them alone and do not necessarily reflect the views of BlackRefer.com. Resources/links that may be included in said articles are only suggested as sources for the reader to explore but we can't confirm or take responsibility for it's accurateness.






    The Father's Recipe for Personal Finance: A Believer's Guide


    "The Father's Recipe for Personal Finance: A Believer's Guide," is a Christian Living short book using the Word of God as it relates to money management.

    The story is told of a father giving advice to his two adolescent children while they are preparing a family meal. They have a phenomenal new recipe to try as well as a deep conversation about personal finance. The father answers several questions the teenagers have regarding money management, retirement plans, debt, and a few other things that are relevant to the subject.

    He explains it in a very basic and godly way so that any late teen or young adult should be able to grasp. His prayer is that these principles can be passed down from generation to generation in order for his family to always be well positioned economically.

    The Father's Recipe for Personal Finance: A Believer's Guide

    The premier book for believers to learn and educate future generations on relevant money matters using a godly approach.

    Author's Amazon Profile: https://www.amazon.com/author/acboyd

    Amazon:
    https://www.amazon.com/Fathers-Recipe-Personal-Finance-Believers/dp/0692865292


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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AMIR CARD


    (BPRW) IN CELEBRATION OF BLACK HISTORY MONTH ONEUNITED BANK PARTNERS WITH #BLACKLIVESMATTER TO ORGANIZE BLACK AMERICA’S SPENDING POWER AND LAUNCH THE “AMIR” CARD


    (Black PR Wire) LOS ANGELES, CA— A historic partnership has been born between OneUnited Bank, the largest Black owned bank in the country, and #BlackLivesMatter to organize the $1.2 trillion in spending power of Black America and launch the “Amir” card during Black History Month.

    Both OneUnited Bank and #BlackLivesMatter are strong advocates for the empowerment of Black people, and have taken special care to communicate this focus through their messaging and their work.

    #BlackLivesMatter was sparked by the acquittal of the killer of 17 year-old Trayvon Martin and founded in 2013 as a rallying cry to decree that while every human life matters, it is the constant devaluing of Black life that must come to the forefront of social issues. #BlackLivesMatter works to end state-sanctioned violence against Black people and to vision and build the kind of world in which we want to live. #BlackLivesMatter is committed to mobilizing Black people and allies to engage in social action that will create a just and peaceful society.

    OneUnited Bank launched the #BankBlack Challenge after the summer of 2016 when America’s Black community galvanized in response to tragic events via social media, text messaging and word of mouth, answering the call to move their money from traditional banks to Black owned banks, like OneUnited Bank. The #BankBlack movement intensified when Rapper Killer Mike implored the Black community to deploy a portion of its financial resources to make a tangible difference during a town hall meeting on BET and MTV. Celebrities such as Solange, Jesse Williams, Alicia Keys, Beyonce, Queen Latifah, and others have joined the conversation urging Black people to move their money to Black owned banks.

    We unveiled Amir, a painting by the acclaimed artist, Addonis Parker, during our #BankBlack event in Miami this past July, and the response has been so positive we knew we needed to put the power of “Amir” in your hands! The Amir Visa Debit Card symbolizes the continued fight for justice and the power of our dollars. Yes…#BlackMoneyMatters #BlackLivesMatter.

    “We are honored to announce this partnership with #BlackLivesMatter during Black History Month to focus on our future,” said OneUnited Bank President & Chief Operating Officer, Teri Williams. We can empower our community by organizing our spending power to support social and economic justice. The #BankBlack movement and the “Amir” Visa debit card provide important tools to garner our spending power and channel it back into our community to #BuyBlack and make America great…for us.”

    Everyone who receives an Amir Visa debit card will receive communication on how to use their card to donate to #BlackLivesMatter!

    “Black economic power is a critical piece of the Black freedom struggle. Our partnership with OneUnited Bank during Black History Month honors the legacy of freedom fighters who walked before us, like Ida B. Wells, the architects of Black Wall Street in Tulsa, Oklahoma, and others who encouraged us to utilize our dollars intentionally as a means of making ourselves, our families and our communities strong,” said Dr. Melina Abdullah, organizer with Black Lives Matter and one of its original members. “This partnership is an important step towards building #BlackFutures and harnessing our collective economic power,” added Funmilola Fagbamila, also an original member of Black Lives Matter.

    During Black History Month, iconic leaders such as Dr. Martin Luther King, Jr. are lauded for their contributions to the Civil Rights Movement. During Dr. King’s last speech before the morning of his death, he preached for the boycotting of businesses that had racist and discriminatory practices, and instead moving dollars to Black businesses. This partnership between OneUnited Bank and #BlackLivesMatter will strengthen the call to action for social justice by also focusing on economic empowerment.

    ONEUNITED BANK:
    OneUnited Bank is the premier bank for urban communities, the largest Black-owned bank, the first Black internet bank and a Community Development Financial Institution (CDFI). Its mission is to provide affordable financial services to support economic development in urban communities and maintain superior financial performance to maximize shareholder value. OneUnited is an FDIC insured bank and an equal housing lender.


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    BlackRefer.com does not endorse or recommend any article on this site or any product, service or information found within said articles. The views and opinions of the authors who have submitted articles to BlackRefer.com belong to them alone and do not necessarily reflect the views of BlackRefer.com. Resources/links that may be included in said articles are only suggested as sources for the reader to explore but we can't confirm or take responsibility for it's accurateness.






    Romance & Personal Finance? Deception, Secret Accounts, Gender Views


    Would you say that honesty about personal finances is more important than honesty about fidelity? Guess what proportion of married individuals have a secret credit card or bank account?

    Ahead of Valentine's Day we released a new survey and report: Relationships & Personal Finance - Survey & Report

    Ahead of the big holiday, we thought it would be interesting to survey 800 individuals that are currently married or in a self described “significant relationship". In our survey, we asked individuals 20 different questions related to managing finances as a couple. '

    Here are the core themes:

    - Higher Income Equals Less Stress But More Deception
    - Males and Females View Spending and Saving Differently
    - Financial Stress Increases After Marriage

    Full 19-Question Survey ResultsQuestions #1 - #13 Asked to All Respondents

    1. Would you say that honesty about personal finances is more important than honesty about fidelity?
    a. Yes - 32.25%
    b. No - 67.75%

    2. Do you know your spouse or committed partner’s credit score?
    a. Yes - 69.88%
    b. No - 30.13%

    3. Would you say that financially savvy partners are more attractive?
    a. Yes - 52.88%
    b. No - 47.13%

    4. Do you talk about financial goals and values with your spouse or committed partner?
    a. Yes - 89.38%
    b. No - 10.63%

    5. Do you think your spouse or committed partner is bad at managing money?
    a. Yes - 34.63%
    b. No - 65.38%

    6. Have you ever hidden purchases from your spouse or committed partner?
    a. Yes - 31.25%
    b. No - 68.75%

    7. Do you consider finances to be the most stressful facet of your relationship?
    a. Yes - 48.88%
    b. No - 51.13%

    8. Do you wish that your spouse or committed partner saved more money?
    a. Yes - 64.13%
    b. No - 35.88%

    9. Do you think your spouse or committed partner spends money wisely?
    a. Yes - 63.13%
    b. No - 36.88%

    10. Do you avoid talking about personal finances in your relationship?
    a. Yes - 12.50%
    b. No - 87.50%

    11. Do you argue about finances on a regular basis?
    a. Yes - 20.13%
    b. No - 79.88%

    12. Are you aware of how much debt, if any, your spouse or committed partner is in?
    a. Yes - 84.25%
    b. No - 15.75%

    13. If your spouse or significant other had significant financial problems such as credit card debt or bankruptcy, would you leave the relationship?
    a. Yes - 5.75%
    b. No - 94.25%

    Questions #14 - #17 Asked to Only Married Individuals

    14. Before getting married, did you talk you regularly talk about money with your spouse or partner?
    a. Yes - 66.67%
    b. No - 33.33%

    15. Have you ever withheld information from your spouse or partner regarding spending on discretionary items, such as apparel, accessories, electronics and entertainment.
    a. Yes - 37.76%
    b. No - 62.24%

    16. Do you have a secret credit card or bank account used to spend money without telling your spouse or partner?
    a. Yes - 10.49%
    b. No - 89.51%

    17. Do you have a joint checking account, or do you maintain separate accounts?
    a. Joint checking account - 69.46%
    b. Separate accounts - 30.54%

    Questions #18 - #19 Asked Only to Unmarried Individuals in Significant Relationships

    18. Do you believe that it is important to talk about personal finance and your financial history before marriage?
    a. Yes - 93.80%
    b. No - 6.20%

    19. Do you help each other manage personal finances? Including help with budgeting, savings, investing, etc.
    a. Yes - 92.18%
    b. No - 7.82%


    Nate Matherson
    Co-founder & CEO of LendEDU

    Email: nate.matherson@lendedu.com
    LendEDU.com

    Read More About LendEDU:
    LendEDU Is Making Student Loan Refinancing Easier @ TechCrunch Medical, Dental, 401(k)? Now Add School Loan Aid to Job Benefits @ New York Times


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    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    D'Arcy Wealth Management - Introduces our web based investment platform


    Fact: Millennials are investing at a greater rate than Baby Boomers, however they are using financial innovations in technology rather than the traditional methods.

    D'Arcy Wealth Management - Introduces our web based investment platform.

    Using advanced technology in an interactive user experience, we are able to deliver an automated investment solution to help you pursue your financial goals. Whether you are just starting to save for your future, or are a seasoned investor, our concept of Lifestyle Management is to assist your wealth planning today and into the future.

    Our online wealth management service provides automated, algorithm-based portfolio management advice without the use of human financial advisors. The automated system utilizes the same software as traditional advisors while retaining our long-term investment ideology of delivering solid investment strategies, superior risk-adjusted returns, while adhering to the highest ethical standards and prioritizing your interests above everything else. Along with our traditional wealth management platform, the incorporation of cutting edge technologies allows D’Arcy Wealth Management to strategically and tactically allocate assets to maximize return potential within our client’s specific objectives, given the current market and economic environment.

    Opening an account is simple!

    - Answer a few questions about your goals, timeline, and risk tolerance and in a matter of seconds your personalized portfolio recommendation, appropriate to your investment goals, will be ready for you to review.

    - Automatically rebalance, invest, and reallocate according to your set target allocation.

    - No proprietary products. The investments utilized in the portfolio recommendations are nonproprietary, ensuring an objective based investment portfolio.

    - Your own, personal D’Arcy Wealth Manager to assist you in your financial journey.


    #investinyourself #embracetheparadigm

    No account minimums, low cost (NO COMMISSIONS), hassle free, automated, tax efficient, simplified access and account management, full range of diversified investments, easy-to-use tools, and your own, personal D’Arcy Wealth Manager.

     DArcy Wealth Management


    Dempster R 'Bobby' Cherry
    D'Arcy Wealth Management, Inc.
    Wealth Manager

    Loma Linda – San Diego
    619.251.7993 Direct
    CA Insurance License 0H34723


    http://www.darcywealthmanagement.com/

    https://www.linkedin.com/pulse/managing-your-401k-bobby-cherry?trk=hp-feed-article-title-publish


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    Introducing the D'Arcy Wealth Management Robo-Advisor


    Fact: Millennials are investing at a greater rate than Baby Boomers, however they are using financial innovations in technology rather than the traditional methods.

    Here at D'Arcy Wealth, we embrace the paradigms of the 21st Century and answer the requests of our clients. In the following weeks we will be rolling out our online wealth management platform - D'Arcy Wealth Management Robo-Advisor.

    A robo-advisor is an online wealth management service that provides automated, algorithm-based portfolio management advice without the use of human financial advisors. The Robo-advisor will utilize the same software as traditional advisors while retaining our long-term investment ideology of delivering solid investment strategies, superior risk-adjusted returns, while adhering to the highest ethical standards and prioritizing your interests above everything else.

    Along with our traditional wealth management platform, the incorporation of cutting edge technologies allows D’Arcy Wealth Management to strategically and tactically allocate assets to maximize return potential within our client’s specific objectives, given the current market and economic environment.

    #investinyourself #embracetheparadigm

    Dempster R 'Bobby' Cherry
    D'Arcy Wealth Management, Inc.
    Wealth Manager

    Loma Linda – San Diego
    619.251.7993 Direct
    CA Insurance License 0H34723


    http://www.darcywealthmanagement.com/

    https://www.linkedin.com/pulse/managing-your-401k-bobby-cherry?trk=hp-feed-article-title-publish


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    Managing Your 401(k)


    More than 73 million Americans actively participate in employer-sponsored defined-contribution plans such as 401(k), 403(b), and 457 plans.1 If you are among this group, you’ve taken a big step on the road to retirement, but as with all investing, it’s important to understand your plan and what it can do for you. Here are a few ways to make the most of this workplace benefit.

    Take the free money. Many companies match a percentage of employee contributions, so you may want to save enough to receive a full company match and any available profit sharing. Some workplace plans have a vesting policy requiring that workers be employed by the company for a certain period of time before they can keep the matching funds. If this applies to you, consider the effect of this policy when deciding whether to leave your current employer.

    Bump up your contributions. Saving at least 10% to 15% of your salary for retirement (including any matching funds) is a typical guideline, but your personal target could be more or less depending on your income and expenses. A traditional 401(k) plan enables you to defer income taxes on the money you save for retirement, which could enable you to save more. In 2016, the maximum employee contribution to a 401(k) plan is $18,000 ($24,000 for those 50 and older).

    Rebalance periodically. Your asset allocation — the percentage of your portfolio dedicated to certain types of investments — should generally be based on your risk tolerance and planned retirement timeline. But the allocation of your investments can drift over time due to market performance. Rebalancing returns a portfolio to its original risk profile. Consider reviewing your portfolio at least annually. Some workplace plans may offer automatic rebalancing. Asset allocation does not guarantee a profit or protect against investment loss; it is a method used to help manage investment risk.

    Know your investments. Examine your investment options and choose according to your personal situation; some employer-sponsored plans may automatically enroll new employees in default investments. Many plans have a limited number of options that may not suit all of your needs and objectives, so you might want to invest additional funds outside of your workplace plan. If you do, look at the risk and balance of your whole portfolio, including investments inside and outside your plan.

    Keep your portfolio working. Some 401(k) plans allow you to borrow from your account. It is generally wise not to use this option. But if you must do so, try to pay back your loan as soon as possible to give your investments the potential to grow.

    All investments are subject to market fluctuation, risk, and loss of principal. When sold, investments may be worth more or less than their original cost. Distributions from employer-sponsored retirement plans are generally taxed as ordinary income. Withdrawals prior to age 59½ may be subject to a 10% federal income tax penalty.

    1) American Benefits Council, 2014

    Dempster R 'Bobby' Cherry
    D'Arcy Wealth Management, Inc.
    Wealth Manager

    Loma Linda – San Diego
    619.251.7993 Direct
    CA Insurance License 0H34723


    http://www.darcywealthmanagement.com/

    https://www.linkedin.com/pulse/managing-your-401k-bobby-cherry?trk=hp-feed-article-title-publish


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    New Overtime Rules Take Effect in December


    On December 1, 2016, about 4.2 million workers who were previously classified as "exempt" could become eligible for overtime pay due to modifications to the Fair Labor Standards Act (FLSA), and many small businesses have been scrambling to comply with the new rules. Following is a brief summary of why the changes were enacted, and what they may mean for both workers and employers.

    In May 2016, President Obama and Secretary of Labor Thomas Perez announced major changes to the FLSA that are intended to improve the situations of lower-salaried workers who typically work more than 40 hours per week, such as restaurant and retail managers. Because of their long hours and relatively low salaries, such employees can potentially earn less, on an hourly basis, than the associates they manage. The Department of Labor (DOL) has said, "This long-awaited update will result in a meaningful boost to many workers' wallets." However, the new rules may complicate matters for small businesses struggling to maintain appropriate staffing levels while trying to contain labor costs.

    Specifically, the new rules increase the minimum salary that an executive, administrative, and professional employee must earn to be considered "exempt" from overtime pay. On December 1, the annual salary threshold rises to $47,476 ($913 per week), more than double the previous amount of $23,660 ($455 per week) established in 2004. This means that employers are considering several options:

  • Reclassify all employees making less than $47,476 per year as non-exempt, and therefore eligible to receive time and a half overtime pay when their hours exceed 40 per week.


  • Ensure that the salary for all executive, administrative, and professional employees is at least $47,476 per year.


  • Ensure that all executive, administrative, and professional employees who make less than $47,476 annually work no more than 40 hours per week.


  • One caveat is that the rule also allows employers to use nondiscretionary bonuses and incentive compensation (including commissions) to satisfy up to 10% of the new threshold salary requirement, as long as those payments are made on at least a quarterly basis. Also note that the new salary threshold will be adjusted every three years, beginning in 2020, based on wage growth, so affected employee salaries will need to keep pace with these adjustments.

    While the rules are intended to improve employee situations by helping them secure either higher paychecks or fewer hours at work — and may indeed achieve that goal for many American workers — the benefits may barely be noticed by employees whose salaries need to rise by small amounts to meet the new threshold. Employers, by contrast, are weighing the requirements of having to track salaried employee hours and potentially make overtime payments against the costs of lifting salaries to meet the threshold.

    For more specifics and information, please visit the Department of Labor website.

    https://www.linkedin.com/pulse/new-overtime-rules-take-effect-december-bobby-cherry?trk=prof-post


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    Disclaimer:
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    Picking Time Publishing, LLC


    I'm FaraJi GoreDenna, owner of Picking Time Publishing, LLC, in Layton,UT.

    In my business I create and publish software applications that help individuals and families manage their personal finance.

     FaraJi GoreDenna


    My latest software application, the Easy Financial Planner, allow a person or family to create a financial plan, for an entire year. Then, later use it to navigate the treacherous financial waters during coming year. Have a look at www.pickingtimepublishing.com

    It does much more, like track mortgages, debt accounts, cash flow and provide reports on sources and uses of income.

    ooOoo


    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

    No Implied Endorsement:
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    (BPRW) Citizens Bank Names Lamont Young Head of Digital


    (Black PR Wire) PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Bank recently announced the appointment of Lamont Young as Head of Digital. Young will also continue to manage his existing responsibilities for Multi-Channel Marketing. With more than 20 years of digital and marketing experience in the consumer goods and financial services industries, Young will oversee Citizens strategic investments in digital, online and mobile banking, digital marketing, user experience and social media. Young was also named to the Executive Committee for Citizens Consumer Bank.

     Lamont Young Head of Digital
    Lamont Young, Head of Digital for Citizens Bank
    (Photo: Business Wire)


    “Our digital capabilities are increasingly important to our customers and to our businesses,” said Beth Johnson, chief marketing officer and head of Consumer strategy for Citizens. “To meet our customers’ evolving needs, we are continuing to optimize our digital strategy and distribution capabilities to enable them to able to bank when, where and how they want. Lamont’s breadth of experience in digital and marketing will be pivotal to helping us move forward in this space.”

    Prior to assuming his new role, Young served as senior vice president of digital and direct marketing, a position he held since joining Citizens in 2012. Previously, Young held several leadership positions with Bank of America in digital sales, digital media, and content development. Before joining Bank of America, Young founded a firm that provided web and design services to small business. Young earned his BS in Marketing from Penn State University and his Master of Business Administration from Winthrop University.

    Young is a member of several organizations including Omega Psi Phi Fraternity, the American Marketing Association, the Consumer Bankers Association Digital Committee and the National Association of Black MBA’s.

    To learn more about Citizens Bank, customers can call the 24/7 customer contact center at 1-800-922-9999, Like the bank on Facebook, follow the bank on Twitter and Instagram or visit the Citizens Bank website.

    About Citizens Financial Group, Inc.
    Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $145.2 billion in assets as of June 30, 2016. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. In Consumer Banking, Citizens helps its retail customers “bank better” with mobile and online banking, a 24/7 customer contact center and the convenience of approximately 3,200 ATMs and approximately 1,200 Citizens Bank branches in 11 states in the New England, Mid-Atlantic and Midwest regions. Citizens also provides mortgage lending, auto lending, student lending and commercial banking services in select markets nationwide. In Commercial Banking, Citizens offers corporate, institutional and not-for-profit clients a full range of wholesale banking products and services including lending and deposits, capital markets, treasury services, foreign exchange and interest hedging, leasing and asset finance, specialty finance and trade finance. Citizens operates through its subsidiaries Citizens Bank, N.A., and Citizens Bank of Pennsylvania as Citizens Bank, Citizens Commercial Banking and Citizens One. Additional information about Citizens and its full line of products and services can be found at www.citizensbank.com.


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    (BPRW) Wells Fargo Introduces Go FarTM Rewards

    Go FarTM Rewards goes beyond traditional credit card rewards programs, offers customers a flexible platform to make the most of their rewards and feel truly rewarded


    (Black PR Wire) SAN FRANCISCO-- (BUSINESS WIRE)-- Wells Fargo & Company (NYSE: WFC) today announced Go FarTM Rewards, its enhanced credit card rewards program available to all customers with a rewards-based credit card from Wells Fargo. Through the program, customers can redeem their rewards at any Wells Fargo ATM, use rewards toward their qualifying Wells Fargo checking or savings account or apply toward the principal balance of a qualifying Wells Fargo line or loan. Customers can also take advantage of options to pool rewards with other customers, gift rewards to other customers or to charity, create wish lists and more – all while on-the-go. These features are in addition to all the things consumers have come to expect from a rewards program, like travel, merchandise and gift cards.

    “Customers use their credit cards to pay for ordinary things they do every day, and we want the rewards they earn from doing that to feel extraordinary,” said Beverly Anderson, head of Consumer Financial Services for Wells Fargo. “With an emphasis on the flexibility and accessibility our customers told us they want, we spent the past few years updating our rewards program so significantly we felt it deserved a new name.”

    Helping customers pay it down

    Because every little bit helps, the program supports customers as they work toward their financial goals. Go FarTM Rewards offers the ability to redeem rewards toward the principal balance of a qualifying Wells Fargo line or loan (mortgage, home equity, credit card, personal or auto loan).

    Helping customers pay it forward

    The program supports customers’ desires to help friends, family and their community. These features include pooling rewards with other rewards customers or gifting rewards to other program participants. Cardholders can also redeem their rewards toward a “CharityChoice” gift card, thereby making a donation to charity through the program.

    Helping customers reward themselves

    Last year, Wells Fargo announced the ability for customers to redeem their rewards as cash from any of Wells Fargo’s 13,000 ATMs with their Wells Fargo Debit or ATM card. Wells Fargo was the first major U.S. financial services provider to introduce this functionality, continuing the company’s history of customer-centered innovation. In addition, cardholders can redeem rewards as a deposit to their qualifying Wells Fargo checking or savings account.

    In addition, the program helps customers reward themselves through an enhanced travel search engine – including an interactive “How Far Can I Go” feature that provides destination recommendations based on accumulated rewards.

    Customers can also choose from redemption choices including merchandise, gift cards and digital downloads.

    Easy to access rewards when, where and how customers want

    Go FarTM Rewards also supports customers’ on-the-go lifestyles with adaptive design – the ability for customers to navigate the site on their mobile device, tablet or desktop. Customers can personalize their experience using the “Tailor Your Preferences” widget that allows them to “Love It” or “Leave It” with regard to certain categories.

    Recent updates to Go FarTM Rewards have already begun to receive accolades. The program received a grade of “A-” in the Credit Card MonitorSM report Rewards Redemption Options by Corporate Insight, a research company that focuses on financial institutions. The high grade, shared by only two other programs, came after Corporate Insight examined redemption options available through 11 card issuers’ programs with special focus on flexibility and choices as well as the design of the site and ease of use.

    About Wells Fargo
    Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.8 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through 8,700 locations, 13,000 ATMs, the internet (wellsfargo.com) and mobile banking, and has offices in 36 countries to support customers who conduct business in the global economy. With approximately 265,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 30 on Fortune’s 2015 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy our customers’ financial needs and help them succeed financially. Wells Fargo perspectives are also available at Wells Fargo Blogs and Wells Fargo Stories.

     Wells Fargo
    Wells Fargo's Go Far Rewards(TM) helps customers Pay It Down. (Photo: Business Wire)


     Wells Fargo
    Wells Fargo's Go Far Rewards(TM) helps customers Pay It Forward. (Photo: Business Wire)


     Wells Fargo
    Wells Fargo's Go Far Rewards(TM) helps customers Reward Themselves (Photo: Business Wire)


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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    Little Changes In Your Budget Can Add Up To Huge Savings In The Bank - Tips To Get Ahead


    We all dream of the day when we can retire, but retirement isn’t very much fun if you have to live off of no savings, or retirement funds that run out within the first couple of years. The good news is that it is never too late to start accumulating wealth for yourself. The key to saving is not to spend, don’t even consider loans. It really is as simple as that. The next time you see a sale tag, don’t say to yourself, “I am saving 10%,” say instead, “I am spending 90%.”

    It is those types of mental change that can have you approaching your budget differently and not coming up short at the end of the month. If you want to begin to turn your financial affairs around, start today. The key is to make subtle changes that start to accumulate a lot from different places. Try these tricks to reducing your budget.

    Ditch the high-priced cell phone package

    We all love to text and keep in touch, but using your smartphone may be like throwing money out the window. There are other ways to stay connected. Instead of getting the newest, latest and greatest smartphone, opt to use another mobile device and wait until you can use wifi. That makes connecting with friends and surfing the internet completely free. If you ditch those high-priced phone contracts, you can save fifty dollars or more a month. Over the course of a year, those numbers add up. The best part about getting unplugged? It will save you from being tempted to text while driving and allow you to open your eyes and see the real, not the virtual world, again.

    Bye bye high-priced television packages

    There really aren’t many choices for television and the ones you have, are a rip-off. If you want to see a minimum of one hundred dollars come out of your budget, try canceling the cable and getting a Netflix, Hulu, or Amazon Prime account. You can cut your television bill down to less than $10 a month, or if you have Amazon Prime, it is all free. The cool thing also about going with Prime is that they have a new Fire Stick that operates your television using apps for watching the shows you love. The new wave of the future, stop paying those satellite companies hundreds a month.

    Check insurance rates

    If it has been a while since you have checked on your insurance rates, you should do so a minimum of every six months. Many factors lead to a decrease in your car and home insurance rates that, if you don’t compare on a regular basis, you could be missing out. The internet has many resources for you to comparison shop online, but it isn’t the same as calling directly. Often if you pick up the phone, agents can help you to find additional savings that you can’t find using a computer program on the internet. Being a part of an association, good grades, and other discounts are available, all you have to do is ask. Also, it may make sense for you to bundle all your insurance under one company. Many insurance carriers will give discounts if you use only one insurance company for all your needs.

    Go over your credit card statements carefully

    Many of us get the credit card bill and pay it every month. Not taking the time to check the charges can add up significantly over the course of a year. Sometimes there are subscriptions added, charges you aren’t aware of, or “mistakes.” Being vigilant about your credit card spending is important, but so too is making sure that there aren’t any hidden charges on your credit card statement.

    Use online rebate programs

    There are many online shopping sites that will give you cash back rewards for buying through their site. jet.com, ebates.com, and ebay.com are just three of the numerous sites that offer consumers advantages like cash back bonuses to shopping online. jet.com will also give you an additional discount for using a debit versus a credit card. A significant savings, if you make your purchases online, it can pay you back quickly.

    The key to growing wealth is not to spend all you have. These are just some of the ways that you can examine the money going out to see if there is any way to stop the flow. It may take a little extra time to save, but in the end, if you stay on top of it, it will just become a new way of fiscally responsible living.

    Author Bio: Caitlin Foster, Financial Adviser and Blog editor.

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    Disclaimer:
    The articles on this website are provided as a community service for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the above article content. Use this information with caution and at your own risk.

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    Steve Harvey's Money Maven


    Whether you’re just starting out or need a fresh start, REAL MONEY ANSWERS FOR EVERY WOMAN: How to Win the Money Game With or Without A Man (HarperCollins; Jan. 16, 2016) by Money Maven of “The Steve Harvey Morning Show”, Patrice C. Washington (as seen on Bloomberg Television, “Steve Harvey”, CNN Money and more) is the money management guide to gain control of your financial future.

    REAL MONEY ANSWERS FOR EVERY WOMAN



    At twenty-two, Patrice was a recent college graduate with $18,000 in debt and sinking fast. By educating herself about finance, adopting a new attitude toward money and changing her spending habits, Patrice was debt-free at 25 and used the wisdom she gained to start her own successful real estate and mortgage brokerage. At 29, she started her own financial counseling business.

    Written in an accessible Q&A format, this book offers relatable and easy-to-understand advice on everything from credit card management, home ownership, and student loans to affordable childcare and negotiations for a higher salary.

    REAL MONEY ANSWERS FOR EVERY WOMAN teaches readers:

    · How to create wealthy habits
    · Money mindsets, attitudes and myths
    · How wealth begins within
    · How to set the foundation
    · How to earn more money
    · How to be your own best investment
    · How to manage money more wisely and budget effectively
    · How to save and reduce debt simultaneously
    · The fundamentals of banking
    · How to boost your credit
    · How to navigate money in a relationship
    · How to teach your kids about money

    Following Patrice’s practical advice, you’ll learn to form wealthy habits, establish an opportunity fund, avoid debt and discover the freedom that comes from feeling financially secure.

    Patrice C. Washington is the author of the financial series “Real Money Answers” and is a featured columnist and leading authority on personal finance. She hosts a weekly segment on the nationally syndicated “Steve Harvey Morning Show”. She has been featured in Women of Wealth Magazine, Black Enterprise, and The Huffington Post, and on Bloomberg TV and CNN Money. She lives in Atlanta with her husband and daughter.

    Patrice Washington rationalized her excessive spending. “I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free—and used the wisdom she gained to start her own successful real estate and mortgage brokerage—and by twenty-nine started her own financial counseling business.

    Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many—including most African American women—are choosing to stay single.

    REAL MONEY ANSWERS FOR EVERY WOMAN: How to Win the Money Game With or Without A Man

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    Disclaimer:
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    Fed Raises Interest Rates (Expert Commentary)


  • “The last time the Federal Reserve raised interest rates, Nokia was the biggest phone manufacturer in the world, Facebook was still fighting for subscribers with MySpace and notebooks had just overtaken desktops as the biggest selling computer.

  • “What consumers have to remember is that this 0.25% increase is a movement, but I don’t think it’s a major movement. Yes, you may feel it over the short and medium term, but will it affect your finances in the long run? Only slightly, if at all

  • “If it was a 1% increase, you’d certainly be feeling that.

  • “It’s up to consumers to keep an eye on banks and how they will pass on this rate rise in an effort to correct themselves – they’d been enjoying ‘cheap money’ for nine years.

  • “Investors will be hardest hit by yesterday’s announcement. Particularly those who have been surviving on borrowing – they may struggle to survive

  • “Yesterday’s decision may be the Federal Reserve future-proofing the emerging economic improvements by allowing them to cut back and provide further stimulus to the economy.

  • “Yesterday’s rate rise signals some good news for savers and anyone with significant funds in a bank account, however as it is only a small movement future decisions will have a more significant impact on savings. For an American with $10,000 in their account, this will amount to only $25 extra each year if your bank passed on the full interest rate rise, which they are not obliged to do.

  • “This could, however, signal an end to very low home loan deals for new buyers that have fueled the recovering housing market. With that in mind, we may see the US property market cool over the next 6-12 months, especially if another rate rise follows in 2016

  • “Student, car and home loans tend to be offered at fixed rates, which means the Fed rate rise will not affect these loans initially. However, if rates continue to rise, the rates of these loans will also rise.

  • “If student loans increase, people may look to alternative forms of education, including a bigger shift to online, as well as more on-the-job training such as cadetships and apprenticeships.”


  • Fred Schebesta, CEO of Finder.com

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    Money in Motion
    Money & Faith in Motion




    Former Seattle SuperSonics star Vin Baker is an Olympic gold medalist who played in four NBA All-Star Games. He had earned over 100 million during his time in the NBA, but because of his poor financial decisions he went broke and was forced to work at Starbucks in order to survive and provide for his family. Financial woes affect 80% of all Americans, and ICFE is a company that is trying to reduce that number. ICFE is an educational program that helps educate, motivate and empower Americans to put more of their discretionary dollars aside in investments for their future.

    ICFE has two motivational programs, Money in Motion ($17.95) and Money & Faith in Motion ($19.95), which lets the user gain the practical tools they need to manage their money, make good financial decisions, and reach their financial goals. Real-life stories are incorporated into the programs to demonstrate the benefits of wise money management.

    The Institute of Consumer Financial Education (ICFE) is a California based company and was founded as a non-profit organization in 1982 to help consumer improve spending habits, increase savings and use credit more wisely. Working in cooperation with government and business, the ICFE offers several certification programs with Continuing Education Units and Professional Development Units including Certified Identity Theft Risk Management Specialist Program and the Certified Consumer “Debt Collection Compliance Specialist®. Paul S. Richard is the ICFE President and Executive Director.

    To learn more about ICFE visit their websites at www.financial-education-icfe.org and www.studentdebthelp.org.


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    iCONSUMER TURNS ITS E-COMMERCE CUSTOMERS INTO STOCKHOLDERS

    - iConsumer Gets a Jumpstart Under The JOBS Act -


    (CHICAGO) – iConsumer is the first company of its kind: a coupon and cash back website/app that also rewards customer loyalty by giving away ownership. iConsumer turns their customers into stockholders every time they shop for deals and coupons, earn cash back rebates and refer friends to shop.

    iConsumer offers access to savings on more than 45,000 brands and cash back from 1600+ stores such as Target, Overstock.com and Expedia in addition to giving away stock in iConsumer.

    Founded by Robert Grosshandler, creator of the trailblazing e-philanthropy site iGive, iConsumer is the first company leveraging Title IV, Tier 2 (“Reg. A+”) of the 2012 JOBS Act. Upon iConsumer’s SEC qualification, iConsumer customers will receive freely tradeable stock in this new kind of public company.

    “iConsumer is the only company to offer tradeable stock to all of its customers,” says Grosshandler. “We’re building on the premise that ordinary people, the 99%, should have access to the startup economy. Consumers – if they know it or not – help companies grow big, go public and become very valuable; we at iConsumer believe those customers should be rewarded for their contributions.”

    Grosshandler adds, “Congress made crowdfunding a startup possible. The SEC’s rules made it practical. We turned it inside out by making every customer a shareholder.”

    iConsumer’s innovative features include:

    · Ownership: Sign up as a member on www.iconsumer.com to automatically receive 100 free shares of stock. Referring new users to iConsumer also earns customers 100 more free shares. With every dollar of cash back earned, they also earn a dollar of iConsumer stock.

    · Shopping: With more than 45,000 brands and 1600+ stores offering deals on iConsumer, there is an incredible selection of saving opportunities. Coupons and exclusive sales take place daily on iConsumer with thousands of cash back deals on everything from flowers to hotels. iConsumer also offers in-store coupons and deals for shoppers who prefer to shop in brick-and-mortar stores.

    · Benefits: Being an iConsumer owner is about more than money, it’s about being part of the iConsumer community – learning about startups, learning about investing and helping to build the business. iConsumer is releasing its Shareholder Academy next quarter, where shareholders and visitors can participate in the growth of a startup, learning about the thrills and opportunities a growing business encounters.

    iConsumer filed with the SEC in September. Once SEC qualified, iConsumer Corp. will comply with the heightened transparency and accountability the SEC regulations require. This includes audited financial statements, quarterly and annual reports and management discussions about performance. In keeping with its goal of educating its shareholders, iConsumer will host webinars, provide financial dashboards and opportunities for interaction with management (See Shareholder Academy above). In addition to customers earning stock, accredited and unaccredited investors will be able to invest in iConsumer via StartEngine.com, an equity crowdfunding portal.

    ABOUT ICONSUMER: iConsumer is the first company to make every customer a shareholder with tradeable stock. iConsumer offers great savings with deals and coupons from 45,000+ brands, and enables customers to earn cash back from 1600+ stores such as Target, Overstock and Expedia as well as earn stock in iConsumer with each purchase. Founded by e-philanthropy pioneer Robert Grosshandler, iConsumer is designed to help everyday people participate in building their financial future. For more information, visit www.iconsumer.com.


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    (BPRW) Prudential supports local financial empowerment initiative

    - Relationship with dfree® Financial Freedom Movement delivers financial education in the greater New York area -


    (Black PR Wire) – NEWARK, N.J.--(BUSINESS WIRE)--Prudential Financial, Inc., (NYSE:PRU) today announced an agreement between its Individual Life Insurance, Annuities and Prudential Advisors businesses and the dfree® Financial Freedom Movement to help individuals in the Greater New York area through financial education to help protect their family’s financial future. This independent community-based financial education program was developed by Dr. DeForest B. Soaries, Jr., senior pastor of the First Baptist Church of Lincoln Gardens in Somerset, N.J., and creator and founder of dfree.

    The announcement, which was made during an event hosted by Bridge Street AME Church at Brooklyn Borough Hall earlier today, marks the launch of a financial education initiative that aims to empower people to create a healthy financial future for themselves and their loved ones through valuable advice from and engagement with Prudential financial professionals.

    “Prudential has a rich history of deep relationships with diverse community-based organizations,” said Rodney Branch, senior vice president and chief marketing officer, Prudential Annuities. “This agreement with dfree is an extension of our efforts to engage at the local level and help more people address their financial challenges.”

    According to Prudential’s most recent African American Financial Experience survey, the African American community remains optimistic and continues to demonstrate financial confidence, with 52% of those surveyed considering themselves to be very well-prepared to make wise financial decisions. The survey also noted that reducing debt – especially credit card debt - remains a top financial priority for more than half of respondents. The African American Financial Experience is one in a series of biennial studies focused on the financial attitudes and behaviors of diverse markets.

    The dfree Financial Freedom Movement offers a training program designed to help individuals improve their financial situation, such as becoming debt-free and take more control of their money. “We’re looking forward to working with the dfree team and excited about the value this program can bring to the New York area and communities we serve,” said Donna Guglielmi, managing director of the Empire City Financial Group with Prudential Advisors. “Our financial professionals are skilled in working with clients at all different stages of their lives, including those in the rebuilding phase, participants with insurance needs and others who are looking for investment and income strategies.”

    In addition to the greater New York area, the program launched last year in Indianapolis and in June of this year in Washington, D.C. To date, the program is being implemented in more than 30 churches and community groups through this joint effort. Prudential will also be a leading sponsor of the dfree® third Annual Financial Freedom conference which takes place October 31, 2015 at First Baptist of Lincoln Gardens in Somerset, N.J.

    “Prudential’s commitment to the African American community complements the work that dfree is doing as we continue to build upon the number of churches and pastors that offer financial education to their members,” said Dr. Soaries. “We are proud to work with Prudential and value the strength it brings to the communities throughout the U.S.”

    Prudential will also be a leading sponsor of the dfree® fourth annual Financial Freedom conference which takes place October 31, 2015 at First Baptist of Lincoln Gardens in Somerset, N.J. dfree® is an independent program dedicated to providing financial education and empowering participants to change their perspectives related to money, alter behaviors and taking ownership of their financial future. For more information, please visit www.mydfree.org and www.billiondollarpaydown.com.

    Prudential Financial, Inc. (NYSE: PRU), a financial services leader, has operations in the United States, Asia, Europe, and Latin America. Prudential’s diverse and talented employees are committed to helping individual and institutional customers grow and protect their wealth through a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds and investment management. In the U.S., Prudential’s iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century. For more information, please visit http://www.news.prudential.com/.

    dfree™ and Financial Freedom Movement™ are trademarks of the Corporate Community Connections, Inc., which is not affiliated with The Prudential Insurance Company of America or its affiliates, Newark, NJ. Each company is solely responsible for its own financial condition, content, liabilities and contractual obligations.

    The Prudential Insurance Company of America Newark, NJ.

    “Prudential Advisors” is a brand name of The Prudential Insurance Company of America and its subsidiaries.


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    Don’t Break the Mobile Bank When Booking a Last Minute Labor Day Getaway

    - BankMobile Provides Labor Day Travel Tips to Have a Great Holiday on a Budget -


    NEW YORK, August 6, 2015 – Sadly, summer is rapidly winding down and with Labor Day just about a month away, BankMobile, America’s first and only absolutely no-fee, online and mobile bank, is providing tips on how to book a getaway on a budget.

    “The last summer holiday is quickly approaching and our company has a strong belief that having quality downtime and being wise about your money when planning a getaway to celebrate is important,” stated Luvleen Sidhu, Chief Strategy & Marketing Officer of BankMobile. “We are here to financially empower our customers by providing Labor Day travel tips to save money on a last minute getaway.”

    · Have a Staycation or Stay Local(ish): Go to a place you’ve never been in your own backyard! Look to explore attractions you’ve never visited, like local breweries, restaurants, parks, lakes and beaches. You can also try networking with your social circle to see if any family or friends are going out of town and would like you to house-sit for free—a win/win for all!.

    · Open Your Mind: Booking last minute can help you save, if you aren’t that picky. Take advantage of daily deal sites, like Groupon or LivingSocial, and vacation websites, like CheapCarribean.com, so you can save even more. Many of the really great offers you’ll find out there have timing restrictions, so if you’re booking last minute, you’ll probably be ok, but make sure to check the fine print.

    · Be Flexible: If you move your departure date, you may be able to save even more by flying and staying during the week vs. the weekend. Typically, the cheapest flights are on Tuesday, Wednesday and Saturday. If you fly out of a different airport or add a stop to your itinerary, that can help bring down the cost of your flight even more. Look for a location that is currently in their off-season to find an even better deal. The upside there is that you’ll get to avoid the crowds and settle in for some well-deserved relaxation.

    · Use Technology: To find deals, download a few different travel apps or check travel sites and social media pages. Many of these apps and websites will give you ideas for potential destinations and help you compare pricing. Keep in mind that not all apps or websites are created equal and there are specific apps and websites out there that cater to specific travel needs. For instance, if you’re looking to negotiate only with independent boutique hotels in a certain area to find a great deal and experience, try Stayful.com. Or, if you’re looking to find a last minute room, you can try HotelTonight’s app.

    To learn more about how BankMobile financially empowers its customers with tips they can bank on, visit https://www.bankmobile.com/blog/.

    About BankMobile:  Established in 2014, BankMobile is a division of Customers Bank, with headquarters in New York. It provides target customers – millennials and middle income households – a digital, effortless, and financially empowering experience. BankMobile offers checking, savings, lines of credit, joint accounts and access to over 55,000 surcharge-free ATMs nationwide (customers in the VIP Experience will have access to more than 400,000 FREE ATMs), a guaranteed higher savings rate than the top four banks in the nation, a personal banker available for all customers, and a financial advisor for those in the VIP Experience. It is a Federal Reserve regulated and FDIC insured commercial bank. Customers Bancorp is the bank holding company for Customers Bank. BankMobile is an independent operating Digital Banking Division of Customers Bank and hence also of Customers Bancorp. For more information, please visit www.bankmobile.com.


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    NOTE TO REPORTERS, PRODUCERS: PICO, the President, & Predatory PayDay Lending

    - President Obama Remarks on Consumer Protection and the Economy, One Man's Story Demonstrates His Point... -


    Yesterday, the Consumer Financial Protection Bureau (CFPB) released a first look at potential payday loan reforms that could end the industry’s worst abuses. Also yesterday, President Obama talked about the economy, payday lending practices and consumer protection during an address at Lawson State Community College in Birmingham, Alabama. Prior to the address, Obama held a small round table discussion with community leaders, including Birmingham Faith in Action clergy leader, Rev. Shannon Webster of First Presbyterian Church of Birmingham, working to protect Alabama's consumers. President Obama later quoted Rev. Webster in his speech, calling him to stand up. "When our people are trapped in debt and they cannot escape - then we're all hurt." Rev. Webster.

    Click here to watch a video of this part of our Presiden't address, referencing Rev. Webster.

    Take a look at the PICO National Network's "Moral Economy and Economic Dignity" campaign to help us make these rules stronger: Join us in urging the CFPB to put our families before excessive industry profit by closing potential lender loopholes in these drafted rules.

    Across our country, predatory lenders are charging triple digit interest, trapping most borrowers in crippling cycles of debt. For one man, Elliot, it started with a broken ankle and a $500 payday loan. It ended in a three-year ordeal that cost Elliott - a Marine Corps veteran - his wife, and five daughters more than $30,000 and their house. Read Elliot's story.

    There are twice as many payday loan shops as there are Starbucks across our country, growing rich off the financial crisis of our friends and families struggling to pay the bills and put food on the table. If strong federal rules had been in place when Elliott’s family faced a financial crisis, they would still be living in their house today.

    The CFPB draft takes a major step towards protecting the bank accounts of millions of hard-working American families - addressing a borrower’s ability to repay and limiting length of indebtedness. However, loopholes could allow lenders to ignore these important requirements. Read PICO's press statement regarding the possible rule changes.

    PICO National Network is the largest grassroots, faith-based organizing network in the United States. PICO works with 1,000 religious congregations in more than 200 cities and towns through its 60 local and state federations. PICO and its federations are non-partisan and do not endorse or support candidates for office. PICO urges people of faith to consult their faith traditions for guidance on specific policies and legislation. Learn more at www.piconetwork.org.


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    New "Pocket Guide to Sales" Release Dedicated to Financial Advisors

    - An invaluable resource for any financial professional looking for the right tools to grow a business, deal with clients more effectively, and plan intelligently for the future -


    MEDFIELD, Mass. - Dec. 9, 2014 - Advisors Trusted Advisor, a division of “The Collaborative,” announced a new business-building resource dedicated to financial advisors.

    “The Pocket Guide to Sales for Financial Advisors” by Beverly Flaxington, principal of The Collaborative, combines close to 30 years of experience on what works for financial advisors to grow their businesses and client bases.

    “Over the next three to five years, the most client-focused members of the advisory profession are going to have to become far more professional in their marketing activities,” said Bob Veres of Inside Information. (bobveres.com) “I predict that The Pocket Guide will be instrumental in that important transition."

    The Collaborative has worked with financial advisors for nearly 20 years and has observed that advisors constantly seek ways to actively grow their business, add to their client base and present their offering more effectively. “The book is very hands-on, easy to digest, and practical,” said Bev Flaxington, author and expert coach. “It is action-oriented, which allows an advisor to take the next step, best for their needs and their business."

    The need continues to grow for action-oriented resources, such as The Pocket Guide, designed around the needs of financial advisors. Gail Graham, chief marketing officer of United Capital Financial Advisors said, “I’ve seen Bev completely transform an advisor’s practice by giving them a clear and detailed path to follow for sustainable growth. She’s an expert marketer and sales coach, and her insights into how humans think, feel, and communicate can help anyone be more effective."

    “The Pocket Guide to Sales for Financial Advisors” is available for purchase online, at Amazon and Barnes & Noble. Or for more information, visit the-collaborative.com/advisorstrustedadvisor.

    About The Collaborative: the Advisor’s Trusted Advisor (the-collaborative.com/advisorstrustedadvisor)

    Dedicated exclusively to solving the unique challenges of the advisor market, the firm provides registered investment advisors and wealth managers a one-stop practice management source for organizing, managing, and growing an investment advisory business. Clients enjoy easy access to more than 20 years of research, experience, and information covering critical areas of practice management and growth – organized to fit any situation and budget.


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    (BPRW) Get to Know Lisa Frison, Expert on African American Culture and Financial Insights

    - Meet the woman at the helm of helping Wells Fargo build meaningful relationships with African American communities and consumers -


    (BLACK PR WIRE) – For many, it’s a dream to have your profession align with your personal passions and values. For Lisa Frison, vice president, African American segment manager at Wells Fargo, it’s a reality she truly appreciates and does not take for granted.

    Ngoma Africa Band
    Lisa Frison


    When it comes to understanding the segment, Lisa is keenly informed regarding what motivates and challenges African Americans as it relates to financial management. She is a zealous student of the segment, immersing herself in research, data and other literature to deepen her awareness and sharpen her acumen – making her a sought after subject matter expert on engaging African American consumers in impactful ways.

    In her role with one of the largest financial services companies in the country, Lisa is responsible for building and executing the enterprise marketing strategy for reaching the African American segment. As a thought leader, she has a vital role in shaping the company’s priorities on key initiatives to increase Wells Fargo’s brand presence among the segment. She leads these efforts by partnering with internal leaders and stakeholders across the company to deliver key knowledge and insights to ensure African American consumers are top of mind when developing business strategies, products and services. Lisa is committed to making sure that African Americans are well represented in every facet of company business.

    Lisa also works in close alignment with external stakeholders to support underrepresented communities through initiatives that provide financial empowerment and guidance.

    Prior to Wells Fargo, Lisa worked at Disney, holding several roles in brand and alliance development. She managed profit and loss, and successfully launched Disney’s Visa Credit Card. Her professional journey began at Xerox supervising a manufacturing product line until she eventually transitioned to finance and business strategy planner.

    Financial empowerment through education
    With a BS in Mechanical Engineering from Clarkson University and an MBA from the University of Rochester, Lisa believes that education, combined with discipline, proper guidance and smart decision making, is the true formula for financial success. She takes responsibility for using her voice to inform and empower others, helping them to become savers, owners, investors and philanthropists.

    She credits her niece Brianna as her inspiration to provide guidance for future leaders. Lisa aims to be someone she can look to for motivation as she carves her own path in life. The younger generation is one she holds near and dear as she encourages them to move from the consumer mentality and become responsible owners of their financial future.

    Dedicated to leadership and service
    Most recently, Lisa served as the board chair for KIPP Charlotte, a free open enrollment college preparatory school in underserved communities. As part of this commitment, she mentored students to support the school’s promise to open up a new future for youth by helping them get to and through college. She has also volunteered with Wells Fargo’s Reading First Program and tutored students at Highland Renaissance Academy in Charlotte.

    In 2012, she was recognized with the Wells Fargo Black/African American Connection Trailblazer Award and now serves as program officer on the Enterprise Leadership team. Her previous philanthropic efforts have resulted in her winning an “Ears to You” Volunteer Service award and being recognized twice with the President’s National Volunteer Service Award for community service and outstanding volunteer and civic participation.

    Work life balance
    In order to remain grounded, Lisa makes it a priority to maintain a healthy balance between work and life. She starts her mornings with personal devotion and exercise to help set the tone for the day. Even with her busy travel schedule for work, she carves out time to have meaningful time with her husband and take weekend trips to recharge.

    “I enjoy the times in my life and career when I can step up and take on something completely new,” says Lisa Frison. “I love immersing myself in learning and figuring out a way to create and add value.”

    In addition to being a continuous learner, her ability to remain calm is cited as one of her greatest strengths. This characteristic allows her to navigate through difficult situations and maintain great relationships. She speaks passionately about the work she does and encourages candid conversations around topics of empowerment. You can find Lisa Frison on Twitter @Lisa_Frison.


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    Eight in Ten Millennials Say Great Recession Taught Them to Save “Now,” Wells Fargo Survey Finds

    - Pronounced Income Gap Between Millennial Men and Women Sets up Differences in Saving and Sense of Financial Security -


    CHARLOTTE, N.C. June 10, 2014 – As millennial Americans have experienced the effects of the Great Recession of 2008, a strong majority (80%) say it has taught them they have to save “now” to “survive” economic problems down the road. Despite this generation's reported lesson, 45 percent are not saving for retirement, while slightly more than half (55%) are saving. The savings picture varies by gender with 61 percent of men and 50 percent of women reporting that they are saving. This difference in saving rates may hinge on the fact that the median annual household income reported by millennial men is $77,000 versus $56,000 for women. For college-educated millennials, median annual household income is reported to be $83,000 for men and $63,000 for women. About half of all millennials report they are “satisfied” with their savings at this point in their lives, but the gender discrepancy is pronounced, with 58 percent of men feeling satisfied, versus 41 percent of women. These findings are part of the 2014 Wells Fargo Millennial Study, conducted online by Harris Poll on behalf of Wells Fargo, released today at a Women’s Institute For A Secure Retirement (WISER®) forum in Washington, DC. The survey was conducted among over 1,600 U.S. adults aged 22-33 (“millennials”), and among over 1,500 U.S. adults aged 49-59 (“baby boomers”).

    “The silver lining of the recession that started over five years ago is that a majority of millennials get that saving is a necessity and even equate it with ‘surviving’ tough times. But millennial women are starting out their working lives making far less than men and, as a consequence, are saving less and feeling less contentment at the start of their working lives,” said Karen Wimbish, director of Retail Retirement at Wells Fargo.

    The Pressure of Debt
    Millennials are struggling under the pressure of debt, with 42 percent saying "it is their biggest financial concern currently.” Four in ten say their debt is "overwhelming" versus 23 percent of baby boomers. Forty-five percent of millennial women feel “overwhelmed” by debt, versus 33 percent of millennial men. Perhaps due to big debt obligations, over half of the millennials (56%) say they are “living paycheck to paycheck,” regardless of gender.

    What Kind of Debt?
    When asked to rank their number one financial concern after paying day-to-day bills, millennials cite paying off student loans (29%) as their top concern, whereas boomers cite saving for retirement (44%). When asked to estimate certain categories of debt as a percentage of monthly pay, millennials report their debt breaks down, on average, as follows: credit card debt, 16 percent; mortgage debt, 15 percent; student loan debt, 12 percent; auto debt, 9 percent; and medical debt, 5 percent. Among all millennials, 47 percent are allocating 50 percent or more of their paychecks to these types of debt.

    “People have to closely examine what they are spending their money on and figure out the best way to comfortably manage debt and savings levels,” said Wimbish.

    Retirement and Saving
    The progress in accumulating investable assets proves to be another area of difference between the genders, with college-educated millennial men reporting median household investable assets of $58,500 and college-educated millennial women reporting median household investable assets of $31,400.

    Of those millennials who have started saving, almost half (46%) are saving between 1-5 percent of their income for retirement; 31 percent are saving 6-10 percent; 18 percent are saving more than 10 percent. The percentage of income saved by men and women greatly varies, with half of women (53%) saving between 1-5 percent versus 39 percent of men. The percentages of men and women who are saving at the 6-10 percent level are both about a third; however, over a quarter of millennial men (26%) are saving at a rate greater than 10 percent versus only 9 percent of women.

    Seven in ten (72%) millennials are confident they will be able to save enough to create the lifestyle they want in the future, but millennial women are far less confident than their male counterparts, with 63 percent expressing confidence versus 80 percent of men.

    Of the four in ten millennials who are not saving yet, 84 percent say they are not doing so because they “do not have enough money to save right now,” with no difference between the genders. Perhaps as a way to lock down a savings discipline, over half of both boomers (56%) and millennials (55%) favor a mandatory retirement savings policy.

    “Millennial men are earning more, saving greater percentages of their income and report having more accumulated assets. Women are lagging behind men in their savings efforts, and this could explain why they feel less satisfied with their overall financial situation,” added Wimbish.

    Three-quarters of millennials are confident they have the knowledge to address any financial problems in the next ten years, with 70 percent of millennial women agreeing with this versus 84 percent of millennial men. While their confidence is high, when it comes to estimating their retirement needs, 40 percent of millennials say they have “no idea” what that amount will be. Nearly a third (31%), say they will need under $1 million while 15 percent say they will need $1 million to $2 million. For boomers, more than half (54%) say they “can’t estimate” how much they will need in retirement. Twelve percent say they will need $500,000 to $1 million, and 12 percent say $1 million to $2 million.

    Increased Confidence in the Stock Market
    Despite the ups and downs of the market, 59 percent of millennials and 66 percent of boomers say the stock market is the best place to invest for retirement, representing a roughly ten percentage point increase for both groups from last year’s study. However, the genders view the stock market differently, with only half of millennial women (49%), and 69 percent of millennial men agreeing that the stock market is the best place to invest for retirement. A quarter of those millennials saving for retirement are “not sure” how much of their savings are invested in stocks or mutual funds. About one in five (18%) millennials currently saving for retirement say they are invested 100 percent in stocks or mutual funds, 26 percent say they are in a range of 50 to 75 percent in stocks or mutual funds. Thirty percent say they are invested 25 percent or less in stocks or mutual funds.

    “I was pleased to see that millennials are warming up to the stock market, yet concerned to see the huge difference in sentiment among women, who should be on par with men at this stage,” said Wimbish. “Still there’s about a third who are underinvested in stocks or all in cash, and a quarter who aren’t even sure what they’re invested in. Optimism doesn’t always translate into investing in the stock market for retirement.”

    Millennial Optimism
    Millennials feel confident in many aspects of their personal lives, with seven in ten (69%) saying they feel better off financially than others in their own generation. In addition, 68 percent of millennials expect their standard of living before retirement to be better than their parents.

    A majority (84%) of millennials feel they have the skills to succeed in their career goals when they are 40. More than three quarters (78%) believe that if they lost their job they could find a comparable one within a year. This is in sharp contrast to boomers, of whom 58 percent believe they would be able to find a comparable job within a year.

    There is a difference between men and women millennials in the confidence they feel about building their careers, with one in five millennial women “worried” about their ability to build a career in their desired profession versus one in ten millennial men.

    The Value of College
    Though college debt makes up a big part of the millennial financial picture, three-quarters (76 %) of millennials who attended college agree that their college education was worth the cost. More than half of millennials (56%) report relying on student loans to finance college versus 35 percent of boomers.

    A look at the reported median household incomes of those millennials who attended college and those who did not demonstrates the gap in wages that not earning a college degree may produce.

    Household Income and Assets of College Grads vs. Non-College Grads

    College Grad
    Non-College Grad

    Income (Median)
    $72,800
    $34,700

    Investable Assets (Median)
    $43,300
    $21,600

    Advice to Others Starting Out In Their Careers
    Since debt is a top financial concern for most millennials, the most important financial advice they would impart to someone starting out is: “Don’t spend more than you earn” (33%), followed by “Get educated about your personal finances” (17%), and “Start saving for retirement now” (16%). This contrasts with boomers, 43 percent of whom would tell those starting out today to start saving for retirement now.

    Whom Do They Trust for Financial Advice?
    When millennials were asked whom they trust for credible information to help them make financial decisions, a majority cited “family” (57%), followed by “financial institutions” (54%) and “personal finance experts/personalities” (50%). Boomers cite “personal finance experts/personalities” as their first choice (57%), followed by “financial institutions” (45%) and then followed by “family” (40%) as their last choice for financial advice.

    While over half of millennials (55%) don’t think they have enough money to have a financial advisor, 16 percent are using a paid professional, up from 8 percent a year ago. Similar to last year, 59 percent of millennials who do not use a paid advisor say they would prefer a “seasoned advisor” with years of experience, but there was a slight rise this year (from 20% to 26%) among those who want an advisor closer to their age, who can potentially better understand their financial goals.

    For help understanding how to prepare for and live in retirement, visit Wells Fargo’s My Financial Guide. To find out how much you should be saving for retirement go to My Retirement Plan. Visit the Beyond Today blog to share your financial insight and join the conversation.

    About the Survey
    The 2014 Wells Fargo Millennial study was conducted online by Harris Poll on behalf of the Wells Fargo Wealth, Brokerage, and Retirement (WBR) team between April 15 and May 2, 2014. Survey respondents included 1,639 millennials between the ages of 22 and 33, as well as 1,529 baby boomers between the ages of 49 and 59. Oversample completes were collected for millennials and baby boomers in the Charlotte (134 millennials, 151 boomers), Minneapolis (156 millennials, 157 boomers), Atlanta (157 millennials, 160 boomers) and NYC (150 millennials, 158 boomers) markets. Results were weighted, as needed, to represent the most recent U.S. Census data based on: age, sex, race/ethnicity, education, region and household income.

    About Nielsen & Harris Poll
    On February 3, 2014, Nielsen acquired Harris Interactive and Harris Poll. Nielsen Holdings N.V. (NYSE: NLSN) is a global information and measurement company with leading market positions in marketing and consumer information, television and other media measurement, online intelligence and mobile measurement. Nielsen has a presence in approximately 100 countries, with headquarters in New York, USA and Diemen, the Netherlands. For more information, visit www.nielsen.com.

    About Wells Fargo (Twitter @WellsFargo)
    Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified, community-based financial services company with $1.5 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 9,000 locations, 12,500 ATMs, and the internet (wellsfargo.com), and has offices in 36 countries to support customers who conduct business in the global economy. With more than 265,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune’s 2014 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy all our customers’ financial needs and help them succeed financially. Wells Fargo perspectives and stories are also available at blogs.wellsfargo.com and at wellsfargo.com/stories.


    ooOoo


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