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How you can celebrate Financial Literacy Month

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April 1 was the primary day Financial Literacy Month. This month, we’ll be sharing tips about methods to improve your financial literacy and share your knowledge with others.

Here are some things you can do to celebrate this month:

Sign up for the webinar

There are many free financial literacy tools you can use. For example, International money management has an internet series on managing personal funds. Topics include goal setting, credit reporting, credit management, debt repayment, and budgeting.

Sign up for money camp

If you have children or know children who would profit from taking a financial literacy course, consider signing them up for financial camp. One of such camps is Camp millionaire, which has money camps each domestically (akin to Atlanta, California, and Virginia) and abroad (akin to Australia, Brazil, and Canada). For more details about money camps, see Take your kids to money school!

Pick up the book

There are many personal finance books that may help you construct your financial knowledge. For a beginner’s guide to money, visit by Eric Tyson (Wiley Publishing Inc.; $21.99) and Burton G. Malkiel (WW Norton & Co. Inc.; $15.95).


This article was originally published on : www.blackenterprise.com
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Business and Finance

Jayson Tatum wants to invest in a potential WNBA team in St. Louis

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Jayson Tatum, Boston Celtics, $1M, homeownership


The WNBA plans to add an expansion team to its current roster, and NBA champion Jayson Tatum of the Boston Celtics plans to grow to be an investor in bringing the team to his hometown of St. Louis.

According to , Tatum is connecting two billionaires who want to bring the league’s sixteenth team to Missouri City. The ownership group is headed by billionaires Richard Chaifetz and David Hoffman. Chaifetz’s previous investments include the Alpine F1 team, Major League Pickleball and the Drone Racing League. Hoffman is a developer and owner of the Florida Everblades, a minor league affiliate of the St. Louis Blues.

But despite interest in having a WNBA team in her city, WNBA commissioner Cathy Engelbert says at the least 10 other teams will pose stiff competition.

“The good news is that we have a lot of demand from many cities,” Engelbert said before the WNBA Finals. “I might say about 10 or possibly even plus at this point because I believe the more people watch the WNBA and see what we’re developing here and see these players and the product on the court, the more persons are interested in having it in their cities “.

Tatum has informally agreed to invest in a potential WNBA team. He wants to present the group’s offer to other potential investors and the league itself behind the scenes.

The presentation shown to other potential investors outlines town’s basketball history, dating back to the times of the St. Louis Hawks, which won the NBA championship in 1958. The team can have a home at Chaifetz Arena, where the University of St. Louis is home. The 10,600-seat arena was named in honor of Chaifetz, who donated $12 million to his alma mater in 2007 just over 15 years ago in 2007.


This article was originally published on : www.blackenterprise.com
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Yandy Smith-Harris strengthens melanin-rich skin with YELLE

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Yandy Smith-Harris is not any stranger to breaking barriers, making a seamless transition from entertainment mogul to beauty entrepreneur. Her latest enterprise, YELLE Skin careis greater than only a cosmetics brand; is an organization with a mission, specializing in meeting the unique needs of melanin-rich skin. In this exclusive interview with BLACK ENTERPRISESYandy shared her skincare journey, the vision behind YELLE, and her empowering advice for girls of color pursuing entrepreneurship.

Like a lot of probably the most successful entrepreneurs, Yandy’s entry into the sweetness industry was inspired by her personal struggles. She revealed TO BE“During a difficult period in my life, I struggled with depression, which clearly affected my skin.”

In search of solutions, she visited Sephora and located several reasonably priced options for dark skin using clean ingredients. This gap out there and her need for effective, reasonably priced skin care solutions motivated her to create YELLE Skincare.

“I wanted to build a brand that not only met these unmet needs, but also promoted holistic well-being,” she explained. “My previous experiences in branding and entrepreneurship have been invaluable in shaping YELLE, allowing me to create products that truly resonate with and serve our community.”

Yandy’s vision for YELLE was clear from the start: to create a brand that really understands the precise needs of melanin-rich skin.

“I wanted to create a skin care line that addressed issues like discoloration and sensitivity to harsh ingredients,” she said. “My goal was to use plant-based ingredients to create safe, effective and nutritious products.”

Representation can be crucial element of YELLE’s mission. “I wanted YELLE to be a brand that speaks to our community – those whose beauty is usually ignored by the mainstream. We offer solutions tailored to darker skin tones while promoting self-love and self-confidence.

Entering the sweetness industry was not without its challenges. While Yandy’s entertainment profession gave her a platform, she needed to prove herself in a brand new field.

“Coming from the entertainment industry, I had to gain knowledge about skin care, formulas and the beauty industry as a whole,” she said.

“The next challenge was constructing credibility in an industry I used to be recent to. However, I overcame this problem by working with experts and dealing closely with my team to make sure the prime quality of YELLE products.

Her persistence paid off.

“Leveraging my existing platform to build brand awareness was key,” notes Yandy. “Staying true to my vision and creating something that fills a gap in the market has kept me focused.”

One of the standout elements of YELLE Skincare is its holistic approach, combining topical products with ingestible supplements. Yandy explains that this decision got here from her belief that skin care should transcend surface solutions.

“Skin care is not just what you put on your skin, but also what you put in your body,” she says. “Healthy, glowing skin often starts from the inside, so including supplements made sense.”

YELLE supplements work with topical products to comprehensively address skin concerns.

“It’s about the well-being of the whole body, which is the basis of the YELLE philosophy,” adds Yandy.

As a successful entrepreneur, Yandy offers worthwhile advice to other women, especially women of color, who wish to enter industries through which they could haven’t any prior experience.

“First, believe in yourself and your vision, even if others don’t,” he emphasizes. “It’s incredibly important to be confident in your ideas and the value you bring.”

Yandy also emphasizes the importance of education and networking. “Take time to learn the ins and outs of your industry, connect with individuals who can make it easier to, and do not be afraid to ask questions. Finally, be patient and chronic. Success won’t occur overnight, but stay focused in your goals and be willing to alter when needed.

Looking ahead, Yandy is happy about what’s next for YELLE. “We are constantly improving YELLE to meet the changing needs of our customers,” he reveals. “Right now I’m particularly excited concerning the recent product rebrand, keeping the identical formula and refreshed look – and the fun 5vol– an anniversary event that you’ll should follow to seek out out more.

YELLE also focuses on accessibility. “We are working to increase access to YELLE by entering more retail spaces and expanding our digital presence,” he says. “The goal is for more women to experience the benefits of our products.”

Combining her roles as mother, entrepreneur and tv personality, Yandy admits that maintaining the balance is at all times a challenge. “I try to focus on what is most important — my family and health,” she shares. “For me, the most important thing is self-care and I take time for myself to recharge.”

Her advice to other women balancing multiple roles is to hunt support. “Don’t be afraid to ask for help, delegate tasks when you can and take time for yourself without feeling guilty. You can’t pour from an empty cup.”

Yandy’s approach to constructing YELLE is predicated on maintaining authenticity and understanding the audience. “One of the most important strategies was to build a strong brand that would resonate with our target group,” he explains. “Understanding the needs of my community and creating products that serve them has been critical to YELLE’s success.”

She also emphasizes the importance of influencer marketing and partnerships in the event of her brand. “These strategies have been a game changer in terms of spreading the word and building trust with our customers,” he says.

As Yandy continues to construct YELLE Skincare and empower women of color through her brand, her story serves as a robust reminder that with perseverance, passion and a transparent vision, success is within sight – even in recent and competitive industries.


This article was originally published on : www.blackenterprise.com
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Credit Bros. Help Prepare Black People for Homeownership

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While there is no such thing as a consensus on whether credit repair firms are definitely worth the money they charge (Experian, one in every of the leading credit monitoring services, says they aren’t), they continue to be one option for people attempting to repair their loan. As reported, The Credit Bros, run by Christopher Watson and Aaron Steede, operates for this purpose is becoming a well-liked and trusted alternative amongst Black people who wish to use skilled help.

Watson and Steele prefer to concentrate on a fact-based discussion, which, based on the Federal Trade Commission, involves contacting each the corporate that reported the knowledge in your credit report and the credit bureau to allow them to know you must dispute the knowledge in your report.

In addition to this approach, the pair strives to teach their clients on personal finance principles, corresponding to budgeting strategies or financial planning.

According to their website they concentrate on helping their clients improve their creditworthiness in order that they will have access to homeownership, a path to wealth constructing that has historically been denied to Black Americans.

They also stand out from the competition by offering a flat $100 monthly fee that also comes with a 90-day warranty.

As a result, if a customer spends $300 and doesn’t get the outcomes they expected, they will get their a refund.

According to CNBC, credit scores, that are mandatory to secure access to a house, aren’t necessarily race-neutral, but could also be influenced by structural racism.

Black individuals are more prone to report low or no creditworthiness in any respect.

A representative survey conducted in 2023 found that fifty% of Black Americans reported having low or no credit rating, in comparison with 37% of white Americans.

According to Frederick Wherry, director of the Dignity and Debt Network, a credit rating is “a passport to everything you need to do as an adult.”

But Aaron Klein, a senior fellow in economics on the Brookings Institute, said they aren’t and not using a tinge of racial bias.

“Credit scores are based on past performance,” Klein told CNBC. “The further back in history we go, the deeper structural racism has become in the United States.”

Sally Taylor, vice chairman and general manager of FICO, acknowledged that while credit scores didn’t cause economic disparities, they did provide a measure of them.

“It is important to note that credit scoring has not caused some of the social and economic disparities. They simply reflect existing socioeconomic disparities. The conversation should focus on eliminating the root cause of these differences.”


This article was originally published on : www.blackenterprise.com
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