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<title>Lois Center-Shabazz - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Lois_Center-Shabazz</link>
<pubDate>Wed, 15 Feb 2012 06:11:18 -0600</pubDate>
<image><title>Lois Center-Shabazz - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Lois Center-Shabazz is the founder of the personal finance website, Msfinancialsavvy.com and the author of the award-winning book, Let's Get Financial Savvy!]]></description>
<lastBuildDate>Fri, 15 Jul 2011 09:57:08 -0500</lastBuildDate>
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<item>
<title>Top 5 Things To Consider When Choosing A College or University</title>
<link>http://EzineArticles.com/6424565</link>
<guid>http://EzineArticles.com/6424565</guid>
<pubDate>Fri, 15 Jul 2011 09:57:08 -0500</pubDate>
<description><![CDATA[The top colleges and universities recommended by major publications; most American students can't afford. Several national magazines publish the top colleges and universities in the U.S. yearly. All of the top colleges listed have one thing in common, extreme high cost. Because the cost are so high, most Americans cannot afford to attend these so-called "top colleges" unless they acquire an...]]></description>
</item>
<item>
<title>Seniors, Do Your Homework Before Considering A Reverse Mortgage</title>
<link>http://EzineArticles.com/6305153</link>
<guid>http://EzineArticles.com/6305153</guid>
<pubDate>Fri, 27 May 2011 15:08:32 -0500</pubDate>
<description><![CDATA[I have spoken to a few senior citizens who obtained reverse mortgages, but felt nothing but regrets afterward. Perhaps they did not read the fine print in a brochure that is required by FHA to read before they purchase the loan.]]></description>
</item>
<item>
<title>Renters Are the New Casualty of the Foreclosure Crises</title>
<link>http://EzineArticles.com/1222052</link>
<guid>http://EzineArticles.com/1222052</guid>
<pubDate>Tue, 08 Jul 2008 09:18:10 -0500</pubDate>
<description><![CDATA[We saw many programs on television during the real estate boom, about flipping houses. Flipping is buying, remodeling, and immediately selling homes for profit. There were signs posted all over my community, stating "we buy houses quick". There were real estate meetings...]]></description>
</item>
<item>
<title>Current Financial Woes Makes Life Tough For All of Us</title>
<link>http://EzineArticles.com/1210965</link>
<guid>http://EzineArticles.com/1210965</guid>
<pubDate>Tue, 03 Jun 2008 08:05:53 -0500</pubDate>
<description><![CDATA[Life is tough. It's not tough for some of us; it's tough for all of us. So, for those of you who spend a lot time boo-hooing about your financial status, you no longer have a reason. Join the crowd of well-wishers, and do something  about your situation.]]></description>
</item>
<item>
<title>Treasury Inflation Indexed Securities Or Tips May Help During A Recession</title>
<link>http://EzineArticles.com/1189262</link>
<guid>http://EzineArticles.com/1189262</guid>
<pubDate>Fri, 23 May 2008 11:56:59 -0500</pubDate>
<description><![CDATA[Treasury Inflation Indexed Securities also known as TIPs, are a unique asset class, dollar denominated, inflation protected, and backed by the faith and credit of the United States. Investors who are looking for a low cost, low risk investment may want to study TIPS for consideration.]]></description>
</item>
<item>
<title>Save Money On Gas In 9 Absolute Ways</title>
<link>http://EzineArticles.com/1178424</link>
<guid>http://EzineArticles.com/1178424</guid>
<pubDate>Sun, 18 May 2008 16:09:23 -0500</pubDate>
<description><![CDATA[We live in a time where gas prices have risen faster and higher than anytime  in our countries history. We as Americans cannot control this problem, but  there are steps we can take to lessen the financial impact our gas tank has  our your wallet.]]></description>
</item>
<item>
<title>Wild Caught Salmon Versus Farm Raised Salmon</title>
<link>http://EzineArticles.com/1029560</link>
<guid>http://EzineArticles.com/1029560</guid>
<pubDate>Thu, 06 Mar 2008 16:41:06 -0600</pubDate>
<description><![CDATA[Salmon is my favorite fish. I like the pink color, rich texture, and delicious light  taste. Salmon has omega 3 fat, which is all the rage now. Omega 3 is considered an  essential fat that most Americans don't get because of the depletion of the omega 3 fats in most other foods. Salmon is also a quality protein chocked with lots of vitamins  and minerals.  So, salmon is both delicious and healthy, the problem is which to choose,   ]]></description>
</item>
<item>
<title>Why Home Foreclosure Rescue Plans Aren't Enough</title>
<link>http://EzineArticles.com/986645</link>
<guid>http://EzineArticles.com/986645</guid>
<pubDate>Fri, 15 Feb 2008 11:11:38 -0600</pubDate>
<description><![CDATA[As most Americans know, America is experiencing its worse foreclosure  crises in history caused, in part, by adjustable rate subprime loans and job losses. Now, the government is offering a couple of alternatives  to the constant flow of foreclosure homes onto the market. ]]></description>
</item>
<item>
<title>The Blame For The Largest Real Estate Home Foreclosure Crisis In US History</title>
<link>http://EzineArticles.com/968799</link>
<guid>http://EzineArticles.com/968799</guid>
<pubDate>Thu, 07 Feb 2008 08:30:05 -0600</pubDate>
<description><![CDATA[Many daily newspapers are asking a question I have asked  for a long time before the residential real estate bubble finally burst, and foreclosures, not sales, became the norm. The question is "Who was to blame for the rapid increase in real estate prices and most of the obvious fraud that followed, resulting in the worst foreclosure crisis in American history?" ]]></description>
</item>
<item>
<title>Delicious Mushroom and Carrot Soup</title>
<link>http://EzineArticles.com/631054</link>
<guid>http://EzineArticles.com/631054</guid>
<pubDate>Thu, 05 Jul 2007 13:14:28 -0500</pubDate>
<description><![CDATA[This delicious and nutritious carrot and mushroom soup will work well with dinner or as a one 
course lunch meal. Enjoy!]]></description>
</item>
<item>
<title>Chicken and Vegetable Kabob</title>
<link>http://EzineArticles.com/479004</link>
<guid>http://EzineArticles.com/479004</guid>
<pubDate>Tue, 06 Mar 2007 15:28:31 -0600</pubDate>
<description><![CDATA[Chicken and Vegetable kabob is a good cheap recipe that is also low in calories. Use peppers from your garden or find some at a discount. Price of the peppers depends on the time of year and the area of the country you live in.]]></description>
</item>
<item>
<title>Putting Low Tax Investments In A Tax Deferred Account</title>
<link>http://EzineArticles.com/432647</link>
<guid>http://EzineArticles.com/432647</guid>
<pubDate>Fri, 26 Jan 2007 17:42:20 -0600</pubDate>
<description><![CDATA[A recent study showed that Americans still don't understand how to
choose investments for tax deferred accounts such as a tax-deferred 
IRA accounts. Many investors are still putting low tax investments
in tax-deferred accounts. The problem with this is that your taxes could]]></description>
</item>
<item>
<title>Low Fat Lasagna Recipe With A Twist</title>
<link>http://EzineArticles.com/432636</link>
<guid>http://EzineArticles.com/432636</guid>
<pubDate>Fri, 26 Jan 2007 16:46:54 -0600</pubDate>
<description><![CDATA[This is a great low fat, low cost lasagna recipe that decreases the amount of 
lasagna noodle, and uses low fat cheeses and meat. Ground turkey has less fat 
than ground beef, but use what you prefer.]]></description>
</item>
<item>
<title>Energy Efficient Home Tax Credits</title>
<link>http://EzineArticles.com/432644</link>
<guid>http://EzineArticles.com/432644</guid>
<pubDate>Fri, 26 Jan 2007 16:25:56 -0600</pubDate>
<description><![CDATA[Under the Energy Policy Act of 2005 you can get a tax credit if you installed 
energy efficient windows in the year 2006. Due to a new law created in 2006 
the government is encouraging energy efficient homes. To qualify for energy 
efficient tax credits on your home it must be 1. Your primary home, and 2. 
Be located in the United States. ]]></description>
</item>
<item>
<title>The People of Katrina And The Taxes They Pay</title>
<link>http://EzineArticles.com/292875</link>
<guid>http://EzineArticles.com/292875</guid>
<pubDate>Thu, 07 Sep 2006 12:07:52 -0500</pubDate>
<description><![CDATA[I have watched several documentaries on Kartrina and the existing devastation of the New Orleans area. It seems the major corporate entities such as the Superdome in New Orleans and the Gambling Casinos in Mississippi have been restored quickly and are functioning. ]]></description>
</item>
<item>
<title>Certificates of Deposits For Retired Workers</title>
<link>http://EzineArticles.com/220961</link>
<guid>http://EzineArticles.com/220961</guid>
<pubDate>Thu, 15 Jun 2006 15:50:45 -0500</pubDate>
<description><![CDATA[After retirement sets in the investment years are mostly over.
We saw a glowing example of a retiree losing a huge amount of 
his retirement money in the Enron debacle. I saw him on television
testifying in the Enron investigation that he lost $4 million dollars.]]></description>
</item>
<item>
<title>Credit Counselor Audits And The IRS Focus</title>
<link>http://EzineArticles.com/215751</link>
<guid>http://EzineArticles.com/215751</guid>
<pubDate>Thu, 08 Jun 2006 20:47:32 -0500</pubDate>
<description><![CDATA[In the past few years a lot of folks have complained about so-called credit counselors who don't get them out of debt and charge them a lot of money. They pay a fee to get counseling and receive nothing in return.]]></description>
</item>
<item>
<title>The Future of Social Security And Those Who Stand To Loose</title>
<link>http://EzineArticles.com/204012</link>
<guid>http://EzineArticles.com/204012</guid>
<pubDate>Tue, 23 May 2006 19:42:55 -0500</pubDate>
<description><![CDATA[Social security as we know it now may change drastically in the future if some politicians have their way. It may be taken from a government-managed system where the interest rate is about 1.8% to a private system that has not yet been determined.]]></description>
</item>
<item>
<title>Investing During Retirement To Maintain The Good Life</title>
<link>http://EzineArticles.com/187264</link>
<guid>http://EzineArticles.com/187264</guid>
<pubDate>Sat, 29 Apr 2006 06:45:26 -0500</pubDate>
<description><![CDATA[Investing during retirement is different than investing for retirement. In investing during retirement seniors need to weigh and measure several different factors to assure that their money last for all necessities, and if they want to leave some money to your children or grandchildren. ]]></description>
</item>
<item>
<title>7 Ways To Organize Yourself For Taxes</title>
<link>http://EzineArticles.com/169483</link>
<guid>http://EzineArticles.com/169483</guid>
<pubDate>Tue, 04 Apr 2006 13:28:35 -0500</pubDate>
<description><![CDATA[Don't let your accountant organize your receipts for taxes.
You and only you are responsible to the IRS if your receipts
are not categorized correctly. Take your time, lay out your
reciepts, and place them in the category you think they
belong in. Attach each category to a sheet, list the
category at the top of the sheet, list each item on each
sheet and why it is deductible.]]></description>
</item>
<item>
<title>Money The Government Wants Your Tax Client To Have</title>
<link>http://EzineArticles.com/162200</link>
<guid>http://EzineArticles.com/162200</guid>
<pubDate>Tue, 21 Mar 2006 08:27:14 -0600</pubDate>
<description><![CDATA[Earned Income Tax Credit or EITC as the Internal Revenue calls it is a special tax credit the U.S. government has provided for low income and moderate income individuals. Another way of putting it is, it's money the government is giving your low-income wage earner tax clients, as a bonus for working hard for a low wage. ]]></description>
</item>
<item>
<title>5 Reasons To Choose An Enrolled Agent Tax Professional</title>
<link>http://EzineArticles.com/138575</link>
<guid>http://EzineArticles.com/138575</guid>
<pubDate>Thu, 02 Feb 2006 16:16:33 -0600</pubDate>
<description><![CDATA[There are many types of tax professionals who can prepare 
your  taxes. What difference does it make whom you choose? 
It makes a  lot of difference. As a consumer your goal 
should be to NOT overpay  for  professional tax services by 
getting those you don't need,  and don't under pay for a 
professional, that is, use one who cannot  address your 
concerns. ]]></description>
</item>
<item>
<title>Traditional Versus Interest Only Home Loans</title>
<link>http://EzineArticles.com/124490</link>
<guid>http://EzineArticles.com/124490</guid>
<pubDate>Sat, 07 Jan 2006 08:52:05 -0600</pubDate>
<description><![CDATA[Interest only mortgages gained  popularity during the recent home sales
price boom. Now that homes sales have slowed and prices have leveled out,
will the number of interest only mortgages also decrease?
   
Once only a tiny percentage of the mortgage market; interest only mortgages 
consist of about 10% of the current market. And mortgage companies seem 
to advertise them quite a bit during the recent housing boom. ]]></description>
</item>
<item>
<title>Know Your Tax Preparer To Avoid Preparer Disasters</title>
<link>http://EzineArticles.com/116676</link>
<guid>http://EzineArticles.com/116676</guid>
<pubDate>Fri, 23 Dec 2005 14:47:39 -0600</pubDate>
<description><![CDATA[Tax preparation and tax preparer selection is not all that difficult, but there are those who make it difficult by not adhering to a few simple rules. It begins with choosing your tax preparer carefully and carefully communicating with that
preparer once he or she is chosen. 

Here are questions you can ask your tax preparer before you get started.]]></description>
</item>
<item>
<title>14 Essential Tips For Small  Business Startup</title>
<link>http://EzineArticles.com/109585</link>
<guid>http://EzineArticles.com/109585</guid>
<pubDate>Fri, 09 Dec 2005 12:27:43 -0600</pubDate>
<description><![CDATA[Starting and owning your own business can be a very gratifying experience if done correctly. If done incorrectly and without the proper preparation, it can be a nightmare. Since competition in most businesses is fierce, you must become an expert at your business and develop a niche in your field.]]></description>
</item>
<item>
<title>The Problem With Shopping Mall Car Giveways</title>
<link>http://EzineArticles.com/106265</link>
<guid>http://EzineArticles.com/106265</guid>
<pubDate>Sat, 03 Dec 2005 21:29:49 -0600</pubDate>
<description><![CDATA[Going shopping or are you being shopped, that is the question. 
But, that may very well be the case if you fall into prize scams in exchange for your valuable personal information, such as your name, address, email address, and phone number. If you ]]></description>
</item>
<item>
<title>Teach Your Teens About Credit And Reports</title>
<link>http://EzineArticles.com/98790</link>
<guid>http://EzineArticles.com/98790</guid>
<pubDate>Mon, 21 Nov 2005 09:52:52 -0600</pubDate>
<description><![CDATA[We are failing our children in one of the most important areas of life. But, if more parents and schools understood the significance of credit reports and early credit education, that could be fixed.]]></description>
</item>
<item>
<title>3 Sure Ways to Trump Your Investing Fears</title>
<link>http://EzineArticles.com/95242</link>
<guid>http://EzineArticles.com/95242</guid>
<pubDate>Sat, 12 Nov 2005 08:21:53 -0600</pubDate>
<description><![CDATA[Often times when people here the word "invest" they become
frightened. It is probably one of the most misunderstood
words on the planet. As a result, many employees as well
as other individuals refuse to invest their money in anything
other than a passbook savings or money market account. 
]]></description>
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