Financial Well-Being

How to Increase Your Credit Score

A poor credit score can significantly hinder your ability to improve your quality of life. Bad credit causes us to overpay for almost every major asset we will ever...

How a Black Woman Obtained an 800 Credit Score

Unfortunately, being black and having bad credit seem to be two things that often go hand in hand....

4 Credit Cards for People with Bad credit

Credit scores are normally ranked from Poor to Excellent. According to Experian, a bad credit score is one...

Retirement or Starbucks?

Are you living from paycheck to paycheck?  Do you think that you cannot afford to have any extra...

The Most Important Date On Your Credit Card is NOT the Due Date

Credit cards are great for establishing credit or improving your credit over time. However, if you do not...

These States Offer Tax-Free Holidays for Your Back to School Needs

As summer winds down, parents nationwide are gearing up for the annual back-to-school shopping frenzy. In an effort to ease the financial strain on...

Understanding the Difference Between Liability and Full Coverage Auto Insurance

Auto insurance is essential for protecting yourself financially in the event of an accident. It can help pay for repairs to your vehicle, medical...

Understanding the Tax Extension

April 15th is Tax Day in the United States. While many expecting refunds may opt for early filing, those who owe the IRS may...

Wants versus Needs, A Conversation on Black Finances. Part 1

A Piece of the Pie A slice of the American dream seems so tantalizing. Cars, homes, and trips around the world sound like...

Wants versus Needs, A Conversation on Black Finances. Part 2

Looking Back To have a good harvest one must follow certain steps. Breaking the soil, placing the seed at the right depths. Supplying the right...

What is a Certificate of Deposit (CD)?

A certificate of deposit (CD) is a savings tool offered by banks and credit unions that allows you to earn a fixed interest rate...