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Looks at the approach needed in developing a financial plan for Afro-American stepfamilies. Description of the situation of the Moyo and Hales family; Tips on managing the household finances of merged families; Financial issues needed to be addressed in merged households.

Presents information on the financial strategy used by self employed Ellen Hendrix of Winston Salem, North Carolina to decrease her debts and increase her savings. Use of equity lines of credit to build emergency fund; Establishment of a single member liability company to hold real estate; Creation of an estate plan.

The article offers suggestions by personal finance expert Dominique Broadway related to management of finances by single women along with savings for financial freedom. Topics discussed include assessment of realistic goal of the business with analysis of its budget; association with different digital platforms for assistance in saving criteria with automatically saving small amounts such as Digit; and maintenance of balance between saving goals and social life.

The article provides information on future prospects of financial security and a study revealed by the Lincoln Financial Group. including financial goals of U.S. citizens, distribution of income, and availing workplace benefits.

The article reports on 47-year-old Angela Moore who had a late start in planning for her future finances but who is now intent on continuing to manage her money better. Two years ago the legal secretary started cleaning up her act and educating herself, using personal finance books and magazines. She hopes stock market returns and her home resale value will make up for lost time. She has come a long way in two years, but she's still concerned about the mistakes of her youth.

The article discusses how Ricky Stith, an information technology professional, is making sure that he and his son can survive the current financial crisis. Stith has spent a lot when he adopted his son. However, he states that adoption experience has been priceless. He started living on a strict budget in 2009 and he has about $2,500 savings. He also started a 529 college savings plan for his son.

This article looks at the way divorced mother Stacy Hall would achieve her own financial goals. In 10 years, Hall sees herself retiring from a job as a production-team member with Toyota. Financial Services Group President Kathleen Williams suggests that Hall should determine her most important goals over the next years. She should take a basic investing course at a community college or technical school, along with reading investment books. INSET: THE ADVICE.

This article provides information on Teen Financial Camp, a one-week summer program that helps children to learn the basics of money management. The camp was founded by Reverends Kevin G. Swann and Jerome A. Barber. It introduces young people to stocks, bonds and mutual fund investing. The program promotes smart spending and budgeting tactics and it highlights the importance of a good credit history and entrepreneurial growth.

The article features Ayanna Goring, a human resource generalist from Alameda, California whose approach to managing her money were influenced by her grandparents. According to Goring, her grandparents told her stories about how they survived during the Depression period. Thus, she was inspired to save some of her money and plan for her retirement. Goring also reveals her investment and consumer strategies as well as the amount of her debt as of 2005. Finally, Goring discusses her techniques in budgeting and shopping.

Presents suggestions from financial adviser Danny Freeman on how couple Treviette Sauls and Reginald Turner can increase their savings. Factors to consider in drawing up a buy-sell agreement of the laundromat business co-owned by Sauls and her mother; Recommended finance companies wherein to invest to obtain higher rates of return; Replacement of Putnam Fund for Growth & Income B with American Funds Washington Mutual for shared investment.

Deals with the financial planning strategies adopted by African American Albert Sweets. Principles of financial empowerment adopted; Importance of seeking financial education; Benefits from buying real estate properties. INSET: Declaration Of Financial Empowerment PRINCIPLE 3.

Offers tips on managing personal finances and cutting down on household expenses. List of financial empowerment pledges.

Focuses on how Robert and Wanda Chalk, an Afro-American couple with three children, managed to survive financial hardship after Wanda lost job because of the bankruptcy of Enron Corp. Position of Wanda at Enron; Amount of her salary at Enron; Information on the work and salary of Robert; Financial plan they adopted to survive and manage their expenses.

Offers financial and savings tips for single women. Recommended target savings for single women; Details of several financial goals for single women; Reasons for the significance of investing in mutual funds. INSET: WHAT YOU SHOULD KNOW.

Offers savings and investment advice for married couples with children. Common financial challenges faced by married couples; Factors to consider when conducting financial planning; Ways of avoiding debt; Financial mistakes committed by married women. INSET: WHAT YOU SHOULD KNOW.

Offers saving and investment tips for divorced women. Challenges faced by divorced women when rebuilding their financial life; Steps that may be taken to prepare the couple prior to their divorce; Recommended Web sites for women who are conducting financial planning after a divorce. INSET: WHAT YOU SHOULD KNOW.

Offers savings and investment advice for single mothers. Background on the case of Sandra Thompson, a single mother who works as a music professor at the University of Central Oklahoma; Financial concerns of Thompson; Primary goals of single mothers; Significance of an emergency fund for single mothers. INSET: WHAT YOU SHOULD KNOW.

The article discusses a warning about investing in bonds in the U.S. It is asserted that the sharp losses in equities from late 2007 to early 2009 have caused people to rush into investing in bonds, which they associate with lower risk. African Africans whose bond investments have grown are advised to rebalance their portfolios due to a perceived bond bubble.

The article calls on for financial literacy among Blacks in the U.S. It suggests that African Americans should invest wisely in insurance, pension or other financial institutions for their future. It proposes that they should know how to manage their personal finance or wealth. It emphasizes that Blacks need to plan for their retirement.

The article offers tips for college graduates on how to start investing and saving for their future. Financial planner Bobby Munroe recommends saving at least six months of salary in an accessible account. Instead of a restrictive money plan, find ways to save money each week. To help get things started, Munroe recommends bringing in a support system like a financial planner who can bring accountability. Periodically, check financial progress and make adjustments as necessary.

Addresses a question about financial management. Advice on saving money; Guide to informing children about the financial status of the family; Information resources about financial planning.