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During her workshops, she focused on finances and how to secure grant funding for their businesses. I spoke with her about how Black entrepreneurs can set themselves up for financial success in both business and personal finance. In 2023, we saw an increase in the number of grants available for Black entrepreneurs. Lastly, she said, "Create a grant funding budget. Books and podcasts for Black entrepreneursFinally, I asked Bobb what resources Black entrepreneurs should look to for more ideas.

Persons: Renee Bobb, —, Bobb, Rashad Bilal, Troy Millings, Brown, Mandi Woodruff, Tiffany Aliche, Dennis Kimbro, Daymond John Organizations: Service, Bunker Labs, Entrepreneurship, Music, Tennessee Titans, American Express, Black Chamber of Commerce, Business Development Agency Locations: Black

☆ Pay secrecy norms have ‘simply lost their teeth,’ say experts. Here's why
▼ + stars: | 2023-09-18 | by ( Greg Iacurci | ) www.cnbc.com time to read: +3 min

Westend61 | Westend61 | Getty ImagesNew York just adopted a pay transparency ruleNew York on Sunday became the latest state to adopt a pay transparency law. The pay transparency movement is relatively new. Fifty-six percent are more likely to apply for a company — even if they don't recognize the company name — if the salary range is listed, Indeed found. For one, pay transparency may lower overall wages of the broader population of employees, even while raising them for the "inequitably underpaid," Obloj and Zenger said. 'There's still plenty to negotiate' beyond salaryOf course, applicants aren't necessarily beholden to the salary or the pay range posted on a job ad, Woodruff-Santos said.

Persons: NCSL, Salary.com, Zenger, Mandi Woodruff, Santos, Woodruff, you've, they've, there's Organizations: Westend61, Getty, Sunday, Employers, National Conference of State Legislatures, National Women's Law Locations: York, California , Colorado, Washington, New York City, Colorado, Ithaca, Albany, Westchester, New York, Jersey, New Jersey, Cincinnati, Toledo, Ohio ; Maryland ; Connecticut, Rhode, Nevada

Marco Vdm | E+ | Getty ImagesThe wage gap costs women in the U.S. about $1.6 trillion a year, a new report finds. Women earned 78 cents for every dollar that men made in 2022, according to National Partnership for Women and Families. Forty-two percent of the wage gap is the result of occupational segregation, which was exacerbated by the pandemic, the U.S. Department of Labor has found. To that point, half of U.S. adults said women being treated differently by employers contributes to the pay gap, the Pew Research Center found. That pay scale worsens for each major racial or ethnic group in the country, with white female workers paid 74 cents to the dollar; Black female workers, 66 cents; and Latina female workers, 52 cents.

Persons: Marco Vdm, We've, Jocelyn Frye, Mandi Woodruff, Santos, Frye, Woodruff, Jose Luis Pelaez Organizations: National Partnership for Women, U.S . Census Bureau, U.S . Department of Labor, Pew Research Center, Latina, MandiMoney, Jose Luis Pelaez Inc, Getty Locations: U.S

"You can put that toward goals such as paying down debt and paying yourself so that you can start investing." Don't overthink the best way to invest — just startThere are many avenues for building wealth while paying down debt. Be careful about withdrawing from retirement accounts to pay down debtMaking withdrawals from IRAs, 401(k)s, or similar employer-sponsored accounts to pay down debt is a risky proposition. "It is exceedingly rare where I would suggest or be OK with withdrawing from any investing account to pay off debt," Matthews said. AdvertisementBe sure to consult a financial planner or financial advisor before deciding to take out any loans from retirement accounts to pay off debt.

Persons: Kevin Matthews II, Mandi Woodruff, Santos, BuildingBread, Woodruff, Matthews, it's, " Matthews, — Organizations: Insider's, Fidelity, Public Locations: IRAs

☆ I asked ChatGPT how to negotiate a raise. Career coaches said I'd probably get one by following the AI chatbot's steps and script.
▼ + stars: | 2023-01-28 | by ( Sarah Jackson | ) www.businessinsider.com time to read: +4 min

I put ChatGPT to the test for a situation that many workers find stressful: asking for a raise. But can ChatGPT help you get a raise? I started simple: I told ChatGPT "ask my boss for a raise" to see what response that would yield. ChatGPT then gave me a very similar list of preparation steps but also tacked on a brief script template. Career coaches Esther Leonard and Mandi Woodruff-Santos told me ChatGPT's answers didn't seem obviously AI-generated and that a person could probably get a raise if they followed those steps and the script template.

Make life on the road a little less complicated. shutterstockLiving on the road can be tough, but business travelers often have traveling down to a science. From scoring upgrades to the best way to pack a suitcase, anything that can make the hassle of jet-setting a little easier can be a lifesaver. We reached out to several frequent flyers to find out their favorite travel strategies. Mandi Woodruff contributed to an earlier version of this post.

Persons: Mandi Woodruff

☆ 9 Body Parts You Can Sell For Profit
▼ + stars: | 2012-04-10 | by ( Mandi Woodruff | ) www.businessinsider.com time to read: 1 min

Flickr/dumbledadWhen funds are tight, sometimes getting a second job or refinancing your home just won't cut it. AdvertisementThere's no shame in turning to your own body to make extra cash–so long as it's legal. The problem is it can be tricky nailing down just how much your assorted body parts are worth, so we did a little digging to find out. You won't believe what it costs to get a decent semen donor in this town.

Organizations: Flickr

Credit card companies may be targeting consumers with great credit with a host of new perks recently, but CreditCards.com warns against falling for 0% balance transfer fee offers. In a study looking at offers from 37 lenders, the site found offers to waive these fees for as many as 21 months on balance transfer cards. "After the CARD Act, we thought zero percent balance transfer offers would just go away," Linda Sherry, director of national priorities for Consumer Action, told the site. Another way they've compensated for keeping the waiver alive is by nixing the usual $50-$75 balance transfer fee caps. CreditCards.com's survey found 12 cards offer the fee waiver for six months, three for a year and seven for 15 months.

Consumers in Iowa and Ohio had the most trouble saving while shopping online in 2011, according to Savings.com. shoppers topped the list of super savers, but cities on the West Coast dominated the category overall. The worst cities for saving were in the Southeast and Midwest, overwhelmingly. Ohio cities made up seven of the 20 picks for worst savers. Check out the full infographic below:Http://www.savings.comNow see the dirty dozen scams to watch out for this holiday season >

Organizations: West Coast Locations: Iowa, Ohio, Salisbury, Md, Washington, California, Midwest

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