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Getting rich is simpler than you think
Blend three ingredients -- a paycheck, discipline and time -- and, you, too, can be a millionaire. It's not always easy, but it's simple. And you have no excuse not to do it.
By Harry Domash
Here is the single most important thing you will ever hear about investing: Getting rich is simple.
Not easy, but simple.
And here is the second most important thing you will ever hear about investing: You have no excuse not to do it.
Only three ingredients are needed: income, discipline and time. Chances... |
Just how rich is rich, really? We all have our own idea of how much money it would take to fulfill our financial fantasies. Some say they want to be 'comfortable.' Me, I'd like to be rich.
By MP Dunleavey
Editor's note: Columnist MP Dunleavey and six other women have come together online to strip away the myths surrounding money, speak frankly about their finances and liberate themselves from debt. Follow the quest for financial fabulousness of these "Women in Red" every other Monday in Dunleavey's column on MSN Money.
Do you want to be rich? I want to be... |
9 ways to look rich but live cheap advertisement Rise above your measly income and worn-out shoes. You can live the Simply Fabulous lifestyle and enjoy cushy perks even without being adopted by the Rockefellers.
By MP Dunleavey
Want to look as if you’re living a wealthier lifestyle than you actually are? Me too! In fact, I come from a long line of frugal women who obeyed the motto: “Live well, look rich and never let the world know how little you're really paid.” An excellent philosophy, which can be summed up as “Live cheap, look rich.”
Sure, I daydream... |
The 3 worst reasons to buy a house Buying a home . . . that's what everyone says you should do, right? But it’s an increasingly expensive and risky proposition. Make sure you buy for the right reasons.
By Liz Pulliam Weston
The decision on whether to rent or buy has rarely been tougher.
On the one hand, spiraling real estate prices make people afraid they'll be priced out of the market if they don't buy soon. On the other hand, renting is a relative bargain in many high-cost areas, and a growing chorus of economists warns us about the possibility of housing... |
Is a condo a money pit? Don’t let the surge in prices fool you: The condo craze is all bubble. Worse, living in a condo can be maddeningly complex -- and costly.
By Liz Pulliam Weston
Any time speculators tell you that things are different this time, you should beware.
Yet that's exactly what some investors and experts are saying about the condominium market. They insist the wild upsurge in condo prices can be attributed to changing demographics.
Don't you believe it. This is the tech-stock bubble all over again. Consider:
# Condo builders... |
5 lessons the rich can teach you They don’t just have more money. They spend it, borrow it and save it in ways that might benefit you, too.
By Liz Pulliam Weston
Personally, I'm not sure how much the average person can learn from the Donald Trumps or George Soroses of the world.
We might envy their lifestyles or their bank accounts, but very, very few of us will ever approximate their wealth.
Most of us, though, have a shot at being millionaires. Last year the number of households worth $1 million, not counting their primary residence, grew 21%... |
FEATURE Black Wealth Initiative Staying Cash-Flow Positive Taught by grandparents who lived through the depression, Ayanna Goring knows how to hold on to money By Sheryl Nance-Nash Ayanna Goring is serious about managing her money. She has her grandparents, who told her stories of frugal and resourceful living during the Depression, to thank for that. Goring says the stories her grandparents shared with her gave her financial grounding. "They instilled in me the importance of saving, paying yourself first, supporting your community, and being cognizant of how you spend,"... |
An Investment of Priceless Returns Executive Profile: Carla Foster makes it her business to see that African Americans reap the benefits of participating in the stock market By Tennille M. Robinson
RELATED ITEMS
2005 Ariel/Schwab Black Investors Survey Outlook on Wall Street Jobs Women of Power Summit
Carla A. Foster Vice President Charles Schwab & Co. Inc. Founder and Director, African American Investor Services Program, Charles Schwab Age: 45 Work philosophy: “You are happiest and do your best work when your work and... |
MONEYWISE Investment Clubhouse Investing With Kin Family Tree Investment Club is building togethernessand financial futures By Vikki Conwell At the annual Clinton family reunion in South Carolina, there's plenty of food, fellowship, and fun. There's also a lot of finance, money management, and investment education going on. "We come together to share knowledge," says Jerraune Jenkins, 44, president of Family Tree Investment Club. "There's nothing really complex about what we discuss; we just try to get the information out there for everyone."
Organized in 1994... |
BankBlackwell Clears Last Major Regulatory Hurdle Organizers focus on boosting efforts to raise funds as they organize the nation's first African American-owned Internet bank By Philana Patterson
BankBlackwell, which is hoping to be the first African American-owned Internet bank, received deposit insurance approval from the Federal Deposit Insurance Corp., clearing its last major regulatory hurdle.
“We applied for FDIC insurance on May 28, 2004. It's something we've been working hard [to achieve],” says James R. Mundy, president and chief executive of BankBlackwell,... |
Artisanats de récupération en Afrique : une économie créative et écologique 31/08/2005
Loin des tambours du Nepad et sans compte tenir des savants avis des spécialistes en stratégies de développement, des milliers de jeunes africains créent au quotidien. Idées, objets, formes nouvelles ou anciennes surgissent au jour dans l’étouffant contexte des villes africaines. Particularité de ces artisanats et arts contemporains, ils créent par recyclage des rejets et ordures urbains. Prometteuse économie créative, concours à l’assainissement urbain.
Il faut une bonne... |
Le Savon Artisanal accessible aux Masses : Heureuse Initiative de Jeunes Africains en Lutte contre la Pauvreté 26/08/2005
Le Gic Bellomar est un groupe d'initiative commune crée le 18 juin 2002 à Douala au Cameroun, par un collectif de jeunes étudiants soucieux d'apporter leur contribution par les transferts de technologie et de capacités commutatives aux communautés en situations difficiles. Cette initiative s’inscrit aussi dans les efforts pour vaincre la pauvreté, le chômage, la lutte contre les infections sexuellement transmissibles [Sida] qui minent la jeunesse.
... |
Les Femmes Noires influenceront l’équilibre mondial ce 21ème siècle ! 02/09/2005
Communiqué de Presse. Août 2005. Le Congrès Mondial de Houston : “ l’Afrique rencontre les Amériques”. Houston. 7-11 Octobre 2005. Du 7 au 11 octobre 2005, Houston accueillera un événement historique pour les Femmes Noires du Monde entier. Le Global Council Of Black Women Leaders organise le “Congrès Global de Houston” à l’Hilton Americas-Houston et au George R. Brown Convention Center. Cet événement réunira une assemblée diversifiée de Femmes Noires Leaders et offrira des opportunités d’échanges... |
FEATURE Black Wealth Initiative Sheltering His Business James Wiley Uses Tax Strategies To Build Wealth By Nicole Lewis After nearly 10 years, James Wiley walked away from corporate America. Now he's on the path to entrepreneurship. Taking $22,000 from his IRA, the 34-year-old CPA opened J.E. Wiley CPA & Associates in June 2004. His Atlanta-based company has 45 clients, including high-net-worth individuals and local businesses. Wiley is growing the business through referrals, networking, and forming joint ventures with other CPA firms.
In February, he partnered... |
FEATURE Money Management Save Now For Later Here are 7 everyday strategies to put more cash in your coffers
By Siobhan Leftwich It may seem hard to believe, but purchasing that 40-inch plasma tv for next year's Super Bowl—or opening an IRA account—can be as easy as squirreling away your spare change, giving up those two large lattes at your local coffeehouse, and turning off the lights before you leave the room. Before you shake your head in disbelief, read on. We interviewed several financial experts—and two regular folks—about ways to save for short-term goals... |
MONEYWISE Investment Clubhouse A Sunny Outlook On Investing Rainy Day investment club has flourished by sticking to strict investment principles By Vikki Conwell Rainy Day investment club has weathered storms that might have sent other clubs running for cover. For starters, when it was first established, it rained every time the members met. Fortunately, that didn't dampen their determination to save.
Founded by 17 family members and friends who shared a common goal of saving money for retirement, the club has operated since 1995. It has survived the ups and... |
Five lessons about wealth By Michael Shinn, CFP Updated Feb 9, 2005, 07:17 am “The Five Lessons a Millionaire Taught Me About Life and Wealth,” by Richard Paul Evans, is an inspiring and well-written book about wealth-building and how money fits into the overall scheme of a successful life. It is not a “how to” book, but one that explores the mindset necessary to acquire and successfully build wealth. Quite simply, the author states, “The wealthy understand the principles of accumulating... |
BLACK ENTERPRISE - YEAR 2005 JUNE ISSUE FEATURE Board Of Economists Closing The Gap Our economists agree that homeownership and retirement planning are a potent pair when it comes to building net worth By Donald Jay Korn Maisha And Eric Davis made a major move last year, literally and financially. "We bought our first home, a three-bedroom house in Baltimore. It's in a quiet neighborhood, with a big yard where our children can play. It's a good feeling, knowing that it's ours," says Maisha, 30, "we're no longer throwing away money on rent."
Just a few... |
BLACK ENTERPRISE - YEAR 2005 JUNE ISSUE MONEYWISE Homeownership Managing Your Home Equity Line Todd Brown used credit to build his real estate business By Wayne Devonish Todd Brown, 28, stumbled onto his now full-time career of buying, rehabilitating, managing, and selling homes. From age 16 to 19, he worked in his brother's Queens, New York, barbershop, saving money while he lived at home with his mother. He persuaded his mother to let him use $7,500 of his savings and cosign on a used Lexus, but his fiancée and a few months of paying the weighty $900 car note persuaded... |
HOME BUYERSASSISTANCE PROGRAMS PROGRAM NAME/LOCATION GEOGRAPHICAL RESTRICTIONS INCOME RESTRICTIONS PHONE NUMBER/ WEBSITE DESCRIPTION BENEFITS/TYPE OF ASSISTANCE FIRST-TIME HOME BUYER AmeriDream Inc. Gaithersburg, MD Available in most parts of the U.S. None, but the price of a single-family unit must be less than $333,700, and multiunit properties must be less than $641,650 866-263-7437 www.ameridream. org Administers... |
BLACK ENTERPRISE - YEAR 2005 JANUARY ISSUE FEATURE Homeownership My First Home With the help of these first-time home buying programs, you too can have the American dream By K. C. Camille Raun and Christina Swafford of Clarksville, Tennessee, were thrilled when they found out they were expecting their first child. Now that their family would be expanding, the couple felt it was time to take inventory and make some changes in their lives. They started by thinking about moving. "We realized we needed more space for the baby," says Christina. "Also, we were considering... |
AFRIQUE….LA FORCE D’Y CROIRE 13/09/2004 Oh Afrique ! Afrique ! Une si belle terre qui a vu naître de si grands hommes, tes contours qui m’inspirent tantôt le visage d’une femme, tantôt une marée d’enfants partageant leurs sourires,…, tu es gravée dans mon cœur et j’ai ce besoin de partager ta flamme. Par Yannick Castanou
L’Afrique est une terre tellement riche. Je ne dis pas cela en me basant, seulement, sur toutes ces ressources qu’offre ce sol abondant et fertile. Je fais aussi référence à notre histoire, hors du... |
TODAY IS THE DAY I TAKE CONTROL OF MY FINANCIAL DESTINY.
DECLARATION OF FINANCIAL EMPOWERMENT
n order to attain a measure of success, power and wealth, I shall uphold the principles of saving and investing as well as controlled spending and disciplined consumerism. I vow to fully participate in the capital markets and make a solid commitment to a program of wealth accumulation. Determination and consistency will serve as my guides, and I shall not allow external or internal forces to keep me from reaching my goals. By adjusting my course and embracing a new... |
BLACK ENTERPRISE - YEAR 2001 JANUARY ISSUE Moneywise Investment Strategies Life After Retirement Managing your personal finances during your golden years Christine Albano When Yvonne Banks ap-proached retirement three years ago, she had no preconceived financial plan to facilitate a transition from her blue-collar job to a cushy retirement. The 54-year-old Baltimore resident, who spent 30 years at Bell Atlantic (now Verizon Communications, NYSE: VZ), had $5,611.92 worth of employee stock options. Faced with losing her $38,000-a-year salary, she needed a financial... |
BLACK ENTERPRISE - YEAR 2000 OCTOBER ISSUE Feature B.E. RETIREMENT GUIDE Retire Rich Developing a plan to make your golden years brighter Donald Jay Korn You're ready. You've finally come to the realization that if you don't get started now, retirement may just become an illusion. And the earlier that you get on track, the better-especially if you have thoughts of being one of the few who can retire early and truly enjoy it.
B.E. is here to tell you one simple fact of life: It's not too late. Whether you have just settled into your first job or are easing... |
BLACK ENTERPRISE - YEAR 2002 JANUARY ISSUE FEATURE Consumer Empowerment Tightening Your Belt Ten Simple Money-Saving Tips For The New Year By Leslie E. Royal Tiffany M. Fletcher of Philadelphia likes the good life. Raising her two grandchildren Zaikeyah, 17, and Komayah, 4, she spends at least $400 per month eating out with them at Applebee's, Houlihan's, and other area restaurants. She loves to shop for them and herself, buying the latest designer fashions and the hottest new CDs and albums. Having an annual income of more than $70,000 as co-owner of D&T Auto... |
BLACK ENTERPRISE - YEAR 2003 APRIL ISSUE FEATURE Family Finances Adopting A Wealthy Attitude Robert Jones has embraced the idea of acquiring wealth. Now he must take concrete steps. By Carolyn M. Brown Robert Jones, a 34-year-old tax auditor for the Cook County Department of Revenue in Chicago, is not unlike most young people who in their early work life spend money for immediate gratification—focusing more on wants than needs. He spent most of his 20s traveling extensively. "If someone called and said let's go somewhere, I would pick up and go," says the Chicago... |
Aggressive growth mutual funds: Funds that usually invest in smaller emerging companies that offer maximum growth potential. Balanced fund: A mutual fund with a mix of stocks and bonds. It offers safety of principal, regular income and modest growth. Bond: An interest-bearing government or corporate secu-rity in which you lend a corporation money. In turn, that company pays you, the bondholder, interest, usually at specific intervals, and pays the principal amount at maturity. Closed-end mutual funds: Funds that issue a fixed... |
Declaration of Financial Empowerment Worksheets 30 FINANCIAL PLANNING WORKSHEET Our first worksheet is designed to give you an overview of your financial state, pointing out both strengths and weaknesses. STEP 1: List your financial goals. G o a l Amount Needed Time Frame 1 ___________ $ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 2 ___________ $ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 3 ___________ $ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ For example, buying a house, paying off school loans, saving for additional educational expenses, paying off credit... |
One of the most important reasons for accumulating wealth is passing it on to the next genera-tion. For too long, this was not a tradition within the black community, but this has been changing. Transferring wealth means more than just building it through equity investments or building the value of a business. You must engage in solid tax planning for your heirs. Without careful plan-ning, your rock-solid estate could shatter, leaving your heirs with a mere fraction of the assets you intended. The following will safeguard your material legacy: Coordinate your assets |
Many communities embrace the practice of tithing—getting a congregation to contribute 10% of its income to the church. You may not be in a position to provide that level of funding, but you can make a donation. You should make it a habit to earmark a portion of your annual income to give back to nonprofit organizations. Donate to charities that have an established record of help-ing people in need. Make sure to factor such expenditures into your annual and monthly budget. Here‘s how you can serve your community: Work with your church to get involved in your community |
One of the cornerstones of wealth building is entrepreneurship. In boosting the value of a business, you create a powerful asset. What role should you play in developing viable black enterprises? One way to support black-owned businesses is as a consumer. The second method is by becoming an investor in a thriving entity. Here are the steps you can take to support black businesses: Seek out black-owned businesses One way that you can contribute more dollars to the African American community is through the patronage of black-owned businesses. In addition to... |
We should do whatever we can to introduce the children in our lives (that may include nieces, nephews, and grandchildren) to the fundamental principles of entrepreneurship and money management. Sending your child off to camp, taking field trips, and reading newsletters geared toward youth are activities that make learning the basics exciting and fun. Employing such methods will also help your child foster a healthy respect for money, responsibility and hard work. Here‘s what you can do: Teach financial literacy at home. You don’t have to wait until your child is about... |
To Be Proactive And Knowledgeable About Investing, PRINCIPLE NO. 6 TALE OF THE TAPE: STOCKS VS. MUTUAL FUNDS Trying to figure out where to invest your money? The table below will help you decide whether individual stocks or mutual funds are the better investment. Depending on your risk tolerance, you may want to build a portfolio of equities, mutual funds, or both. 24 DIVERSIFICATION INITIAL PURCHASE TAXES MANAGEMENT FEES RISKS RETURNS STOCKS Less diversification Usually purchased in a round lot, or 100 shares... |
Let’s get this straight: Your chances of building wealth are optimized when you invest. While it’s true that you should try to save every cent you can, your bank accounts will only take you so far. To the risk-averse, bank accounts offer reassurance, but the problem is that the average yield on a money market account is 3.5% and that can be easily eaten up by inflation and taxes. For instance, if inflation is a modest 1.5%, then the yield on your savings account has been reduced to a mere 2%—and that’s without the tax hit. By investing in equities, bonds, and/or mutual... |
Your net worth is not the equivalent of your paycheck nor the draw from your business. Rather it is calculated by subtracting your current liabilities from your current assets. By evaluating your wealth in this manner, you can better shape your financial goals and figure out what you have to leave to your loved ones in the case of your untimely death. If you have a negative net worth, which means that you owe more than you own, you should consult with a professional on how you can strengthen your financial position. The goal is to be able to provide for your family without... |
Everyone needs a financial safety net. To develop one, you must begin by having responsible money management habits. Acatastrophic event or the accumulation of massive credit card debt can wreck even the best of households. By establishing budgets and engaging in reg-ular planning, you can insure against such disasters. Here’s how to get and stay on track: Allocate time to plan your financial future Time is the biggest obstacle to plotting a budget. In order to best keep track of your finances, take a few hours each week to review your expenses, credit standing,... |
The good news is that you can expect to live for many years after you retire. That should be sobering news, too. Once you’re retired you won’t receive anymore paychecks. Nevertheless, the cost of living will continue to increase. If you assume a 3% inflation rate (the average for the past 75 years), prices will double over a 24-year retirement. Where will your retirement income come from? Some retirees can expect a lifetime pension from a former employer but such pensions are becoming the exception, rather than the rule. Social Security Shortfall You will be able... |
resources Pay yourself first. It’s the rock solid foundation of every wealth building strategy, and the most often compromised. Why be consistent? Because it works! Just as you allocate dollars to pay your bills and support your lifestyle, make it mandatory to sock away a portion of your income for savings and investments—as much as 15%, in addition to the money you invest in your employer’s 401(k) or other company-sponsored retirement plans. Also, and most important, once you’ve targeted these funds for your savings and investment program, leave it there. Allowing... |
steps Just as every home needs a foundation, so does every wealth building plan. In the U.S., that foundation has been homeownership. As the National Association of Homebuilders (NAHB) stated in 2003, approximately 28% of household net worth in the United States comes from homeownership. AARP has reported that the net worth of home-owning families is seven times that of renters. Housing’s role in wealth building has become increasingly evident since the year 2000. While the stock market suffered enormous losses, housing continued to surge. Unfortunately, the advantages... |
John Johnson (1917-2005) fondateur du magazine Ebony 09/08/2005 Le fondateur du magazine Ebony, véritable révolution culturelle en son temps, vient de perdre la vie à 87 ans. Retour sur sa carrière exceptionnelle Par Hervé Mbouguen John Johnson © Ebony Robert Johnson, le fondateur de BET lui a rendu hommage en disant "j'estime que John a prouvé que grâce au courage, à une vision et à de vraies qualités... |
Robert L Johnson : le noir le plus riche du monde 20/05/2003 Biographie d'une histoire pleine de succès Par Cyrille Nono Robert L Johnson © black-collegian.com Robert L Johnson dirige la franchise de Charlotte © nba.com Robert L Johnson est tout simplement le noir le plus riche au monde. Il est en effet... |
L'ascension de Pamela Thomas Graham, de Harvard à Cnbc 16/03/2003 La première femme noire associé chez Mc Kinsey Par Paul Yange Pamela Thomas Graham © cnbc Actuel président de CNBC, filiale de General Motors et première chaîne du câble américaine, Pamela Thomas Graham est noire et une des femmes les plus influentes dans le monde des affaires aux Etats-Unis. A 32 ans, en 1995, cette... |
Kibuga Kinyua Kariithi 27/08/2002 Responsable de la bourse de Nairobi Par Paul Yange Kibuga Kinyua Kariithi, responsable de la bourse de Nairobi Qu’est ce que cela signifie d’avoir été sélectionné comme un des 100 leaders les plus prometteurs de demain au forum économique mondial de Davos, session 2002? Ce nouveau rôle en tant que membre d’une organisation aussi influente va me donner la... |
Rebecca Enonchong : une africaine parmi les 100 leaders les plus prometteurs de demain 22/02/2003 Par Paul Yange Regard sur un parcours vers le succès... Une passion pour le monde du "Software" a poussé Rebecca Enonchong à passer de l’économie au conseil en technologie de l’information. Aujourd’hui, elle est à 36 ans président de Apps Tech, une firme internationale de conseil en technologie de l’information. Son entreprise est également internationalement... |
Des champs de coton de l'Alabama à l'élite mondiale de la finance à Wall-Street 22/02/2003 Lorsque David Komansky, l'ex pdg de Merril Lynch annonça que Stanley O'neal, un noir de 49 ans, lui succéderait d'ici à 3 ans, le New York Times résuma ainsi l'événement historique, « once traded, now trading ». En effet, pour Stanley O'neal, c'était presque vrai. Petit fils d'esclave, ce super banquier aujourd'hui payé 20 millions de dollars par an, cueillait encore, à l'âge de 16 ans le coton à Wedowee, petite bourgade de 800 habitants, en Alabama au tarif de 3 dollars les 45 kilos... |
Les 50 noirs les plus influents du monde des affaires aux Etats-Unis 24/07/2002 Un pouvoir grandissant Par Paul Yange Stanley O'neal, numéro 2 de Merril Lynch, est le plus influent "business man" noir des Etats-Unis Aux premiers rangs du classement établi par le très prestigieux magazine "Fortune", quelques icônes du monde des affaires aux Etats-Unis : aux cinq premières places, on retrouve dans l’ordre... |
Kevin Cohee dirige la première banque "black" des Etats-Unis 05/04/2003 Innovant et intelligent pour les uns, agressif et impitoyable pour les autres, Kevin Cohee ne laisse personne indifférent Par Paul Yange Clyde Holden à gauche et Kevin Cohee ont fusionné la Family Savings et la BBOC, ce qui a donné naissance à la première banque afro-américaine des Etats-Unis Au sommet de la BBOC (Boston Bank of... |
Par Hervé Mbouguen Daymond John © rothtalent.com LA LEGENDE A en croire la légende, en 1992, Daymond John cherchait à acheter un chapeau ressemblant à l'idée qu'il se faisait de lui-même, de l'image qu'il souhaitait donner à l'extérieur, et n'en trouva pas. Ca lui fit prendre conscience que de nombeux noirs américains devaient être dans son cas, et il décida de créer sa propre ligne de vêtements, la marque FUBU pour "For Us, By Us",... |
God bless black empowerment ! pour la famille Motsepe 31/07/2003 En dix ans et en partie grace au black empowerment, Patrice Motsepe s'est constitué en Afrique du Sud une fortune colossale de plusieurs centaines de millions de dollars Par Cyrille NONO Patrice Motsepe, le milliardaire sud-Africain © empowerment.co.za La vie de Patrice Motsepe avance à une allure folle ! A peine 41 ans, Patrice Motsepe est devenu... | |
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