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6 rules any investor should follow, from beginners to pros

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Many of us may have learned more about space travel than buying stocks — and we pay for this lack of knowledge when we miss out on the returns investing can bring.

For instance, less than half of millennials are putting their money in the stock market, according to Gallup. But that market is one of the surest ways to accumulate wealth over time.

Meanwhile, some people in older generations are working longer than they’d planned. So it’s important to have an effective investing strategy for the short and long term.

These investing rules can help you get started in investing, or grow your money if you’re already an investment pro:

Read full story @ Business Insider

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HOW TO NEGOTIATE FEARLESSLY—EVEN IN TOUGH TIMES

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In her first book, negotiation guru Mori Taheripour offers readers more than a decade of expertise honed as both a faculty member at the Wharton School of Business and adviser to organizations such as the NFL and Goldman Sachs 10,000 Small Businesses program. Even in the midst of economic crisis, she insists, it’s important to negotiate—and to get creative about how.

Negotiations become more, not less, critical at times like these, when the economy is struggling and unemployment is running high. Whether you’re setting a price for your side hustle, or bargaining with clients or an employer seeking to downsize your regular pay, while you may not have much leverage in the moment, setting the stage for the comeback is key.

“It’s important to make sure that your clients don’t expect deep discounts to continue,” she says.

Read full story at Black Enterprise

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The Black Tax: Why African Americans Must Work Harder to Build Wealth

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After 400 years in this country, black families hold a fraction of the wealth of white families. And that is due, in part, to what is referred to as the “black tax.”

The term “black tax” is commonly used in South Africa, where it refers to the financial support that black professionals are expected to give their extended families. In the U.S. it also describes the racial dimensions that perpetuate a cycle of inequality such as lower pay and a lower standard of education.e

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US lenders overlook minority-owned businesses in allocating covid-19 aid

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As US lenders strive to divvy up the government’s $349bn aid package, Black-owned and other minority-owned businesses are struggling to meet the banks’ requirements.

Thousands of minority-owned businesses—which have traditionally been less likely to secure bank loans—are at risk of being shut out of the government rescue package, as banks favour existing customers.

The aid package, known as the Paycheck Protection Program, could be a lifeline, especially for minority-owned businesses, whose limited resources are quickly depleted as a result of the government-mandated lockdown.

Read full story @
The Verdict

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