African Americans Face Barriers to Realizing Financial Goals
Financial Wake Up For Black Professionals
Financial Warning for African Americans - Blacks
(BPRW) African American Investors Optimistic About Financial Future and the Economy, but Concerned About Retirement, According to Recent Wells Fargo Survey
- Saving for Retirement Moves to Back-Burner as Investors Focus on Day-to-Day Financial Challenges -
(BLACK PR WIRE) – SAN FRANCISCO, April 10, 2013 – African American investors report high levels of confidence in their financial future, along with optimism about the political and economic future of the country, according to a recent Wells Fargo nationwide survey. Despite proactive planning and intentional cuts in spending, African American investors remain focused on day-to-day living expenses, with a large majority concerned about having enough money to retire.
Three in five (60%) African American investors express confidence in their own financial future, slightly higher than the national response (52%), while half (52%) report they are better off now than they were three years ago, same as the general population.
“The optimism and confidence articulated by African American investors is encouraging, particularly as those surveyed are feeling financially better off than they were three years ago,” said Jeff Cosby, Financial Advisor and Vice-President, Investment Officer in the Bloomington, Minnesota office of Wells Fargo Advisors, Wells Fargo. “Where we see the biggest opportunity is helping people really consider how they are approaching saving and planning for retirement. It is important for financial advisors to help investors think through long-term strategies for investment planning, while also providing guidance on common concerns like how to balance paying off debt while continuing to save for retirement.”
While African American investors have made progress in retirement planning and preparation, most are concerned about having enough money to retire. African American investors are taking necessary steps toward preparing for retirement, as 45% of those surveyed have cut back on their spending to put away money for retirement (compared to 36% of the national population), and two in five (40%) non-retired African-American investors have a retirement savings plan in place (similar to the national population, 42%). Among non-retired African-Americans, having a plan is most prevalent among those earning over $100,000 annually (68% earning more than $100,000 have a plan vs. 35% of those earning less than $100,000.).
Compared to the US overall, African American investors are less likely to consider themselves financially comfortable (38% vs. 51% overall). More than a third (36%) of non-retired African American investors surveyed report that their biggest financial concern is paying their monthly bills; saving for retirement ranks second at 22%, followed by healthcare costs at 15%. Three in five African American investors are more focused on debt reduction (59%) than saving for retirement. And just over half (52%) of those surveyed are concerned they won’t have enough saved for retirement (similar to all adults). African-American investors less than 50 years old are particularly concerned (64%, vs. 39% of those ages 50 and over).
Just over a third (36%) of African American investors are confident in knowing where to invest in today’s market (similar to the national population, 31%).
“All investors – regardless of age or level of savings – should be focused on planning for retirement, and turning plans into actual saving and investing,” said Cosby. “Many African American investors, much like the general population of overall investors, find investing in today’s economy daunting. It’s important to seek advice from a trusted professional to help navigate the ups and downs of the market, with an eye on long-term financial goals. It can be scary, but with all the resources and tools available, it can be done.”
Living in multi-generational households also has a significant impact on African American investors' savings, as a number of respondents are caring for their own children, as well as aging parents or grandparents. One in five (20%) African American investors surveyed report living in three-generational households. Three in four (77%) African American adults surveyed who live in three-generational households are concerned they will not save enough to support themselves in retirement, compared to just 46% of those outside of multi-generational households.
Almost three quarters of African American investors (73%) are optimistic about the political direction of the country, significantly higher than the general population (43%), while four in five (83%) feel the U.S. economy will improve in the next two years (compared to 47% of the general population). Seventy-two percent of those surveyed expect their local economy to improve in the next two years (compared to 45% of the overall adult population), and nearly three in four see improvements in their local housing market (71%, vs. 54% nationally).
As part of Wells Fargo’s proactive outreach to the segment, the company is focused on providing financial education for African American consumers to empower them to achieve financial success. Wells Fargo has developed a comprehensive financial education platform that offers guidance on financial topics that resonate with the segment. Through relationships with national and community organizations and media outlets nationwide, Wells Fargo uses print, digital and workshop formats to deliver financial solutions to a broad range of audiences. An additional Wells Fargo resource is My Financial Guide, an online resource consisting of articles, videos and tools aimed at helping consumers become more confident and knowledgeable in money management.
About the Study
These survey findings are based on an online survey conducted November 9 – December 3, 2012 among adults nationwide (N=1,105) and African American adults (N=500). Qualified respondents were non-students, ages 25-75, who are the primary or joint financial decision-maker in the household with household investable assets of at least $10,000. Survey results are weighted to reflect Census data for gender, age, race/ethnicity, region and household income to ensure representativeness. Assuming no sample bias, the maximum margin of error for the National sample is ± 2.9% and ± 4.4% for African American adults.
Note: Complete survey results are available upon request.
About Market Probe
Market Probe is a full-service market research firm, headquartered in Milwaukee, WI, with offices in Evanston, IL, specializing in behavioral and opinion research among hard-to-reach populations and professional communities. For more information, visit marketprobe.com.
About Wells Fargo Wealth, Brokerage and Retirement
Wells Fargo Wealth, Brokerage and Retirement (WBR) is one of the largest wealth managers in the U.S. WBR includes Wells Fargo Advisors, the third-largest brokerage in the U.S.; Wells Fargo Private Bank, serving high-net-worth individuals and families; Abbot Downing, serving ultra-high-net-worth families; and Wells Fargo Retirement, which manages $266 billion in institutional retirement plan and pension assets for 3.7 million Americans. Wells Fargo Advisors is the trade name used by two separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company: Wells Fargo Advisors, LLC, and Wells Fargo Advisors Financial Network, LLC (members SIPC).
About Wells Fargo Advisors
With $1.2 trillion in client assets as of December 31, 2012, Wells Fargo provides investment advice and guidance to clients through 15,414 full-service financial advisors and 3,248 licensed bankers. This vast network of advisors, one of the nation’s largest, serves investors through locations in all 50 states and the District of Columbia. Wells Fargo Advisors is the trade name used by two separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC (members SIPC). Statistics include other broker-dealers of Wells Fargo & Company. www.wellsfargoadvisors.com Investment products and services are offered through Wells Fargo Advisors, LLC.
About Wells Fargo (Twitter @WellsFargo)
Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified, community-based financial services company with $1.4 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 stores, 12,000 ATMs, the Internet (wellsfargo.com), and has offices in more than 35 countries to support the bank’s 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. 26 on Fortune’s 2012 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy all our customers’ financial needs and help them succeed financially.
Contact Information
Media:
Matt Hurwitz
415-396-6964
Matthew.s.hurwitz@wellsfargo.com
Sarah Tonigan
505-818-7480
Sarah.h.tonigan@wellsfargoadvisors.com
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(BPRW) Prudential Financial and The Root launch weekly personal finance video series
- Personal finance and careers experts to deliver practical tips and advice through February -
(BLACK PR WIRE)--NEWARK, N.J.--(BUSINESS WIRE)-- In line with its increased focus on multicultural markets, Prudential Financial, Inc. (NYSE: PRU) is partnering with TheRoot.com to create The Root Live, a 10-week live-video series featuring thought leaders discussing careers, personal finance and long-term financial planning.
“Our collaboration with The Root allows us to tap into an extensive network of experts to bring insight about today’s financial and career challenges to a diverse audience,” said Alexandra Galindez, vice president, at Prudential. “We believe this partnership provides a timely and unique forum to have a two-way dialogue with consumers about many of the concerns that Americans are facing today.”
The series, which began in early December and will continue through February, airs every Monday at noon EST and can be accessed at www.theroot.com. It is hosted by The Root's contributing editor Harriette Cole and produced by Elon James White, also a contributing editor, the series, and features well-known experts who will answer questions and guide viewers on entrepreneurship, college savings, career changes, investments and a variety of other financial topics.
Experts from Prudential include Donald Smith, manager of financial services, and Michele Meyer-Shipp, vice president and chief diversity officer. The live web series has featured high profile guests including Michelle Singletary, nationally syndicated columnist for The Washington Post, and Dr. Michael Lomax, president and CEO of the United Negro College Fund. Viewers can also interact with one another and participate with The Root Live guests through the site’s live chat and on Twitter by following the conversation at #therootlive. A listing of upcoming programs is available on Prudential’s newsroom.
"Partnering with Prudential to present The Root Live has afforded us the opportunity to enlighten and engage our readers in an interactive forum with real-time financial solutions from the best and brightest industry professionals" said Donna Byrd, Publisher of The Root. "The response has been overwhelming with nearly 5,000 viewers tuning in each week to get information on a variety of financial topics, including entrepreneurship, college savings, career changes, investments and more."
The Root is the leading online source of news and commentary from an African-American perspective. Founded in 2008 under the leadership of Prof. Henry Louis Gates Jr. of Harvard University, The Root offers a unique take on breaking news, provides solid analysis and presents dynamic multimedia content. The Root raises the profile of black voices in mainstream media and engages anyone interested in black culture around the world. The Root is owned by the Washington Post Company.
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 www.news.prudential.com.
Source: Prudential Financial, Inc.
Contact Information
Prudential Financial, Inc.
Alicia Alston
973-802-4446
alicia.rodgersalston@prudential.com
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NACBA: COSTLY DEBT SETTLEMENT SCHEMES PREY ON THE MOST DEBT-BURDENED CONSUMERS
STRUGGLING TO RECOVER FROM ECONOMIC DOWNTURN
- What a Half Million Unwary Consumers Don’t Know: Schemes Only Work for 1 in 10 Who
Pay for Them; Consumer Alert: Debt Settlement Programs Seen as “#1 Threat to
America’s Most Indebted Consumers.” -
WASHINGTON, D.C. – October 17, 2012 – As few as one in 10 unwary consumers who are
lured into so-called “debt settlement” schemes actually end up debt free in the
promised period of time, making the risky schemes the No. 1 threat facing America’s
most deeply indebted Americans, according to a major new consumer alert issued today
by the nonprofit National Association of Consumer Bankruptcy Attorneys (NACBA).
Available online at http://www.nacba.org,
the NACBA consumer alert notes: “Already
struggling with home foreclosures, harsh bank and credit card fees, and other major
financial challenges, America’s most deeply indebted consumers are now falling
victim to a major new threat: so-called ‘debt settlement’ schemes that promise to
make clients ’debt free’ in a relatively short period of time. Unfortunately, most
consumers who pursue debt settlement services find themselves facing not relief but
even steeper financial losses. Even the industry acknowledges – though not in its
ever-present radio and online advertising – that debt settlement schemes fail to
work for about two thirds of clients. Federal and state officials put the
debt-settlement success rate even lower – at about one in 10 cases – meaning that
the vast majority of unwary and uninformed consumers end up with more red ink, not
the promised debt-free outcome.”
The private debt-settlement industry remains robust. More than 500,000 Americans
with approximately $15 billion of debt are currently enrolled in debt settlement
programs, according to industry estimates. And there is room for further growth:
One in 8 U.S. households has more than $10,000 in credit card debt.
Durham, NC bankruptcy attorney Ed Boltz, NACBA Board member and incoming NACBA
president, said: “Based on what bankruptcy attorneys are seeing across the nation,
we believe that debt settlement schemes are the number one problem facing America’s
most deeply indebted consumers today. Bombarded with slick radio and Web advertising
falsely promising a smooth road to being debt free in a short period of time, these
companies prey on the most desperate victims of the economic downturn. These
particularly vulnerable consumers usually end up getting sued, stuck with outrageous
fees, more deeply in debt, and far worse off in terms of their credit score.”
Earlier this year, NACBA focused national attention on the “student debt bomb,”
which then was identified as the fastest growing consumer debt problem being handled
by consumer bankruptcy attorneys.
Richard Thompson, a Rialto, California, retiree and victim of a debt settlement
scheme, said: “I was told they could settle my $89,000 in debts for a total of
$39,000 if I made payments of $1,800 for 22 months. I was contacted about a chance
to settle $15,000 debt for $6,000 but my debt-settlement company ignored the offer.
In fact, I paid them a total of $25,200 as they kept on ignoring settlement offers
from creditors. I thought they were taking care of me by bringing my debt down, but
all they were doing was taking my money. I ended up with $25,000 more in debt than
I started out with. Before I retired I worked 25 years as a manager, now I have
had to go back to work as a part-time security guard to help make ends meet.”
Bankruptcy attorney Trisha Connors, a NACBA member from Glen Rock, New Jersey who
has testified before the New Jersey Law Revision Commission on debt settlement
abuses, said: “Over the last three years, I have worked with 12 different
for-profit debt settlement companies and over 25 clients who came to me after their
debt settlement program failed to serve them. The results with each client were the
same: exorbitant fees being paid, settlement (at best) of one small credit card
debt, and mounting late fees and penalty interest charges on the unsettled debts.
When clients informed the debt settlement companies of their desire to exit the
program, the firms kept all or most of the accumulated savings for debt reduction as
‘fees.’ Every person I dealt with who had been current on their debts prior to
contacting a debt settlement program told me that the sales representative told him
the only way to be successful in the program is to stop paying credit card bills.”
Ellen Harnick, senior policy counsel, Center for Responsible Lending, said: “Debt
settlement companies require clients to default on their debts before they will
negotiate. This adds late fees and penalty interest to their debt and frequently
results in the client being sued by creditors. Since only a tiny proportion of
debts are actually settled by these companies, clients are typically left worse off
than they were when they started.”
In addition to highlighting the stories of three victims of debt settlement schemes,
the NACBA consumer alert notes the following:
* There is now across-the-board agreement on the danger that debt settlement schemes
pose to consumers. The Better Business Bureau has designated debt settlement as an
“inherently problematic business.” Similarly, the New York City Department of
Consumer Affairs called debt settlement “the single greatest consumer fraud of the
year.” Across the country, the U.S. Government Accountability Office (GAO), the
Federal Trade Commission, 41 state attorneys general, consumer and legal services
entities, and consumer bankruptcy attorneys have all uncovered substantial evidence
of abuses by a wide range of debt settlement companies.
* Debt settlement schemes encourage consumers to default on their debts. Because
creditors frequently will not negotiate reduced balances with consumers who are
still current on their bills, debt settlement companies often instruct their clients
to stop making monthly payments, explaining that they will negotiate a settlement
with funds the client has paid in lieu of their monthly debt repayments. Once the
client defaults, he or she faces fines, penalties, higher interest rates, and are
subjected to increasingly aggressive debt-collection efforts including litigation
and wage garnishment. Consequently, consumers often find themselves worse off than
when the process of debt settlement began: They are deeper in debt, with their
credit scores severely harmed.
* “Self help” may be the best answer for smaller debt burdens. If you have just a
single debt that you are having trouble paying (such as a single credit card debt)
and you have cash on hand that can be used to settle the debt, you may be able to
negotiate favorable settlement terms with the creditor yourself. Creditors
typically require anywhere from 25 to 70 percent on the dollar to settle a debt so
you will need that much cash for a successful offer. Be sure to get an explicit
written document from the creditor spelling out the terms of the debt settlement and
relieving you of any future liability. Also be prepared to pay income taxes on any
of the forgiven debt.
* Nonprofit credit counseling agencies can help, but must be vetted carefully. If,
like most people, you owe multiple creditors and do not have the cash on hand to
settle those debts, you may want to consult a non-profit credit counseling agency to
see if there is a way for you to get out of debt. But make sure to check it out
first: Just because an organization says it’s a “nonprofit” there is no guarantee
that its services are free, affordable or even legitimate. Some credit counseling
organizations charge high fees (which may not be obvious initially) or urge
consumers to make “voluntary” contributions that may lead to more debt. The federal
government maintains a list of government-approved credit counseling organizations,
by state, at www.usdoj.gov/ust.
If a credit counseling organization says it is
“government approved,” check them out first.
* Bankruptcy will be an option for some consumers. Bankruptcy is a legal proceeding
that offers a fresh start for people who face financial difficulty and can’t repay
their debts. If you are facing foreclosure, repossession of your car, wage
garnishment, utility shut-off or other debt collection activity, bankruptcy may be
the only option available for stopping those actions. There are two primary types
of personal bankruptcy: Chapter 7 and Chapter 13. Chapter 13 allows people with a
stable income to keep property, such as a house or car, which they may otherwise
lose through foreclosure or repossession. In a Chapter 13 proceeding, the
bankruptcy court approves a repayment plan that allows you to pay your debts during
a three to five year period. After you have made all the payments under the plan,
you receive a discharge of all or most remaining debts. For tax purposes, a person
filing for bankruptcy is considered insolvent and the forgiven debt is not
considered income.
Chapter 7 also eliminates most debts without tax consequences, and without any loss
of property in over 90 percent of cases. To learn more about bankruptcy and whether
it makes sense for you, go to http://www.nacba.org/Home/AttorneyFinderV2.aspx.
NACBA urges consumers to steer clear of any companies that:
* Make promises that unsecured debts can be paid off for pennies on the dollar.
There is no guarantee that any creditor will accept partial payment of a legitimate
debt. Your best bet is to contact the creditor directly as soon as you have problems
making payments.
* Require substantial monthly service fees and demand payment of a percentage of
what they’ve supposedly saved you. Most debt settlement companies charge hefty fees
for their services, including a fee to establish the account with the debt
negotiator, a monthly service fee, and a final fee-- a percentage of the money
you’ve allegedly saved.
* Tell you to stop making payments or to stop communicating with your creditors. If
you stop making payments on a credit card or other debts, expect late fees and
interest to be added to the amount you owe each month. If you exceed your credit
limit, expect additional fees and charges to be added. Your credit score will also
suffer as a result of not making payments.
* Suggest that there is only a small likelihood that you will be sued by creditors.
In fact, this is a likely outcome. Signing up with a debt settlement company makes
it more likely that creditors will accelerate collection efforts against you.
Creditors have the right to sue you to recover the money you owe. And sometimes when
creditors win a lawsuit, they have the right to garnish your wages or put a lien on
your home.
* State that they can remove accurate negative information from your credit report.
No company or person can remove negative information from your credit report that is
accurate and timely.
Boltz emphasized: “Many different kinds of services claim to help people with debt
problems. The truth is that no single solution works in all cases. Bankruptcy is
an option that makes sense for some consumers, but it’s not for everyone. For
example, the National Association of Consumer Bankruptcy Attorneys and its
individual consumer bankruptcy attorney members do not encourage every person who
looks at bankruptcy to enter into it. What makes sense for each consumer will
depend on their individual circumstances. We encourage everyone to get the facts
and do what makes the most sense in their situation.”
ABOUT NACBA
The National Association of Consumer Bankruptcy Attorneys (http://www.nacba.org) is
the only national organization dedicated to serving the needs of consumer bankruptcy
attorneys and protecting the rights of consumer debtors in bankruptcy. Formed in
1992, NACBA now has more than 4,000 members located in all 50 states and Puerto
Rico.
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(BPRW) Wells Fargo and One Solution presents, “Aspirations: Helping You Empower Your Financial Future”
- Financial experts participate in a candid conversation about Money Management, Credit and Wealth Building -
(BLACK PR WIRE) – (CHARLOTTE- July 20, 2012) – On Saturday, July 21 at 9:00 a.m. EST (and 9:00 a.m. CST), One Solution (Radio One, TV One, Interactive One) will air a Wells Fargo sponsored hour-long roundtable discussion titled “Aspirations: Helping You Empower Your Financial Future”, featuring acclaimed financial experts Michelle Singletary (author, TV personality and Washington Post columnist), Gail Perry Mason (financial coach and author), and Michelle Thornhill, Senior Vice President and African American segment manager and Jeff Cosby, Senior Vice President and Wells Fargo Advisor.
One Solution and Wells Fargo teams join with panelists (L-R) Michelle Singletary (author, TV personality and Washington Post columnist), Michelle Thornhill, Senior Vice President and African American segment manager, Jeff Cosby, Senior Vice President and Wells Fargo Advisor and Gail Perry Mason (financial coach and author).
The discussion allows for candid dialogue around credit, money management and building wealth. Featured panelists will address pre-submitted audience questions, providing professional guidance as well as personal insights based on experience.
“The subject of money has traditionally been a very private matter within the African American community, most likely because of our strong sense of self-reliance and pride,” says Michelle Thornhill, “Whatever the reason, it’s time to get comfortable with talking about money matters so we can learn and grow .”
The program will air across multiple One Solution platforms:
• Radio One: Listeners can tune in on the following stations: Atlanta (WAMJ-FM), Baltimore (WWIN-FM), Charlotte (WQNC-FM), Cleveland (WZAK), Columbus (WXMG-FM), Dallas (KSOC-FM), Detroit (WDMK-FM), Houston (KMJQ-FM), Indianapolis (WTLC-FM), Philadelphia(WRNB-FM), Raleigh (WFXK-FM), Richmond (WKJM-FM, WKJS-FM), St. Louis (WFUN-FM) and Washington D.C. (WMMJ-FM).
• NewsOne: Viewers can watch a live stream of the panel at Newsone.com.
• TvOne: Video vignettes featuring Wells Fargo panelists proving important financial tips will air on TVOne throughout July and August
Wells Fargo is committed to delivering financial education to the African American community to help them reach their financial goals. For more financial tips, audiences are encouraged to visit My Financial Guide at https://www.wellsfargo.com/my-financial-guide for a wide range of helpful resources, interactive tools and more.
About Wells Fargo
Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified, community-based financial services company with $1.3 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 stores, 12,000 ATMs, the Internet (wellsfargo.com), and has offices in more than 35 countries to support the bank’s customers who conduct business in the global economy. With approximately 265,000 full-time equivalent team members, Wells Fargo serves one in three households in United States. Wells Fargo & Company was ranked No. 26 on Fortune’s 2012 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy all our customers’ financial needs and help them succeed financially.
About Radio One
Radio One, Inc. (http://www.radio-one.com) is a diversified media company that primarily targets African-American and urban consumers. The Company is one of the nation's largest radio broadcasting companies, currently owning or operating 51 broadcast stations located in 15 urban markets in the United States. As a part of its core broadcasting business, Radio One operates syndicated programming including the Russ Parr Morning Show, the Yolanda Adams Morning Show, the Rickey Smiley Morning Show, CoCo Brother Live, the Reverend Al Sharpton Show, and the Warren Ballentine Show. The Company also owns a controlling interest in Reach Media, Inc. (http://www.blackamericaweb.com), (http://www.blackamericaweb.com), owner of the Tom Joyner Morning Show and other businesses associated with Tom Joyner. Beyond its core radio broadcasting business, Radio One owns Interactive One (http://www.interactiveone.com), an online platform serving the African-American community through social content, news, information, and entertainment, which operates a number of branded sites, including BlackPlanet, News One, UrbanDaily, HelloBeautiful. In addition, the Company owns a controlling interest in TV One, LLC (http://www.tvoneonline.com), a cable/satellite network programming primarily to African-Americans.
About One Solution
One Solution (OS) is the strategic and integrated marketing division of Radio One, TV One and Interactive One. The combined media assets reach 82% of the African American audience. OS develops best-in-class integrated marketing programs that enable leading brands and marketers to achieve and exceed their business objectives through strategic integration, and deeper insights and connections with consumers.
Contact Information
Media
Valerie Miller Williams
704-383-8025
Media
C. Nicole Pierce
312-228-8820
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Rebuild Credit Scores... Improve credit scores, remove negative entries, non-chexsystems banks, first-time homebuyer programs, rehabilitate defaulted student loans, get small business financing and establish business credit.
Robert E. Rainer, MD... Author of a "A Doctor's Guide to Wealth". A remarkable book that unlocks the secrets to systematically accumulate wealth. Take command of your mind, body, and spirit while pursuing a course to financial freedom.
SmartSisters ... SmartSisters is the first place on the web for Black Women to talk about having, keeping and growing money.
Synergy-360... We specialize in investment management and wealth planning and we are located in Indianapolis Indiana. We specialize in retirement planning and business planning along with 401k plans, IRA’s, etc.
The Mocha Cheap Chick... A blog about living frugally and fabulously from an African American perspective.
Webb Market...
Improve your financial position with Market America UnFranchise Business Development System.
Whatablessing Matchrate Plus ... We're a Merchant Account Provider that gives back a 25% Cash Rebate Monthly on your Credit Card Fee's plus a Lowest Rate Guarantee.
