Thrill of the Hunt
By Diaz Allen

One day I went with a couple of co-workers to a nearby shopping center for lunch. They told me to hurry and eat so we could go shopping. I was a little confused but I obliged and shortly after we proceeded through this strip mall. As we walked through, I recognized many of the names above the storefronts. As we made a left around a corner, a bright glow almost blinded me. As I regained my sight, I discovered that this overpowering brightness was the sign above a store that I had only been able to shop in other large cities. I discovered that this luxury department store was a discount store or outlet. Maybe I had been so consumed with work that I did not realize this treasure right around the corner. Needless to say, I cut a fool. I was a little late getting back to work that day, but it was okay because I was the boss.

The store became one of my ‘go to’ spots in the area. Some have frowned upon outlet stores. They gawked, “Those are last seasons’ clothes” or “I do not like to hunt for anything.” The key is purchasing items that are not too trendy. I only buy classic looks. And as far as hunting, most of the outlets that I have encountered since then are displayed and arranged just as well, if not better than the ‘regular’ store. So what if my Gucci sunglasses hit the runway in the fall of 2007, I purchased it in the fall of 2008 for less than half price. Yes I said Gucci! Names like Diane von Furstenberg, Giorgio Armani, Roberto Cavalli, Balenciaga, Escada, Fendi, Prada, and Dior will make your mouth water.

Some of the finest names in retail have opened stores across our country in outlet malls. It is a very smart marketing strategy that benefits the “Average Joe” (not Joe six pack, Average Joe). They rid themselves of fashions that are a season or so behind and items that might not have sold in the abundance they were expecting. So the next time you are out and see a sign that says “Outlet Next Exit”, brace yourself and get ready for a sure adrenaline rush.

Chelsea Premium Outlets

Tanger Outlets

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Soul Food

By Diaz Allen

Unless you have lived under a rock since 1926, you know that February is Black History Month. I know, I know, we should celebrate being of color every day. Many do. In these hard economic times we need to be more creative with our leisure time. For many the days of traveling to Disney World and Six Flags are over. We need to take the time now to pull our children away from the video game systems we charged on our credit cards and educate them about who they are. There are many museums and galleries right under our noses that hold a world of knowledge for our families. Remember when you said the last election showed you that it is a new day in America? Well now is the time to prove it. If we do not appreciate where we come from and what we have been through, how can we be appreciative of our blessings in the future?

Here is a short list of facilities that may be of interest to you in February and every month thereafter. Most major cities have something similar waiting for you.

African American Museum in Philadelphia

701 Arch Street

Philadelphia, PA 19106

215-574-0380

California African American Museum

600 State Drive

Exposition Park

Los Angeles, CA 90037

213-744-7432

African American Cultural Complex

119 Sunnybrook Road

Raleigh, NC 27610

919-250-9336

African American Museum of Nassau County

110 North Franklin Street

Hempstead, NY 11500

516-572-0730 Photo Courtesy of Greensboro News & Record

DuSable Museum of African American History

740 E. 56th Place

Chicago, IL 60637

773-947-0600

African American Museum Dallas, Texas

3536 Grand Avenue

Dallas Fair Park

Dallas, TX 75315

214-219-2049

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Shopping With A Twist

by Raphael Baker

If you are like me, shopping makes you hungry. During one of my visits to Atlanta’s Phipps Plaza, I discovered a trendy little spot called, Twist. Nestled in the middle of Atlanta’s upscale Buckhead neighborhood, Twist offers great food for a reasonable price.
The eclectic menu offers tapas, salads, entrees and even a full sushi menu. Most of the food is light, so you won’t become too tired to finish shopping. Twist is also famous for its delicious selection of martinis. There is definitely something for everyone here.
If you decide to dine in during a busy time, the noise can be a bit overwhelming. However, the excellent service provided by the diverse staff will make you forget the distractions altogether.
Overall every one of my visits to Twist has been positive. I highly recommend this restaurant to anyone who is looking for quick bite during a shopping break.

FOOD SERVICE ATMOSPHERE PRICE

Eclectic Excellent Trendy/Noisy $9-$35 approx.

Location: Phipps Plaza, 3500 Peachtree Rd. NE ( Lenox Rd.) Atlanta, GA 30326

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From Motel 6 to Cloud Nine
by Raphael Baker
About twelve years ago, some friends and I took a weekend trip to Washington, D.C. We were so excited to be out of town that we didn’t properly plan. We ended up at a place that made the Bates Motel look majestic. After I got home from what seemed to be the longest weekend in my life, I made a promise to myself. I would only stay in nice, reputable hotels. I determined to be greeted by concierges, heavenly beds and spa baths, and never again by pests, dirty sheets and broken sinks.
Since then, I have stayed in some beautiful hotels across the country. The Intercontinental, Sofitel and Loews have been a few of my favorite destinations. My friends now see me as a hotel guru, and rely on me for bookings and advice. What they don’t know is that I never pay full price.
Online booking is the key to getting a quality hotel room for a fraction of the price. Although there are many online resources, there are a few sites that are consistently reliable and some to avoid.
Hotwire has been a favorite of mine for many years. Many major hotels utilize this site to book hotel rooms that haven’t already been reserved. You can search and choose hotels based on star level, neighborhood and price. You can even book multiple rooms at a time (good for those church trips). Hotwire requires that you pay up front, so do not choose this site if your trip dates may change. One downside to Hotwire is that you blindly purchase your hotel. That means the name of your hotel is not revealed until you actually make your purchase. Don’t fret! There are not too many bad four star hotels, so be sure to choose the four star hotel, cross your fingers and say a prayer! I have not been disappointed yet.
Priceline is another one of my favorites. If Hotwire doesn’t have anything available that I like, Priceline is my next choice. While these two sites are strikingly similar, Priceline offers you the option to choose your own price. You blindly bid on a hotel room, and you are able to choose your star level and neighborhood. Please do not be crazy and to bid $20 for a four star hotel in New York City. You will swiftly be rejected. Make a sensible bid. If you are lucky, and Priceline accepts your bid, your card is automatically charged. If you aren’t so lucky, dust yourself off and try again. You can place another bid in 24 hours for hotels in the same rating level and neighborhood. Through this site I have gotten four star hotels at $60 per night.
Orbitz, Expedia, Travelocity and Hotels.com have been disappointments when trying to find discounted hotels. They give you lists and lists of available hotels, but frankly, the deals are nonexistent.
If all else fails, go directly to your desired hotel’s website. Many hotels post specials on their websites that are not available by calling the reservations line. Additionally, many hotels offer reward programs and chances to earn free nights.

Online Booking Tips:

  1. Plan ahead. You will have many more options available if you book your trip in advance.
  2. Be patient. Sometimes the prices on these sites rise and drop dramatically within days and sometimes hours. Some sites have email alerts, which notify you when the price drops for your desired location.
  3. Shop around. If one site seems too expensive, try another one.
  4. Be fearless. Online booking is not for the faint of heart. To reiterate, there are not too many bad four star hotels out there.
  5. Have fun. You will get much joy in knowing that you will be staying in a nice hotel and still have spending money.

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Resume Review

Use a sensible email address.
Have a short and relevant objective.
Honestly describe your experience and skills.
Customize your resume to the position you are seeking.
Use bulleted sentences instead of paragraphs.
Have resume proofread by someone else.
Send resume as attachment only if requested.

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Interview Etiquette

Always look your best. You can never be overdressed.
Know where you are going and arrive 5-10 minutes early.
If possible, do a test drive the day before at a comparable traffic time.
Be polite to everyone and smile. You never know who has influence
on the hiring within the company.
Keep eye contact with the interviewer. Be confident and sell, sell, sell yourself!
Stay positive and do not put down previous or current employers.
Use correct English, be honest, and provide examples when questioned.
Ask intelligent questions, but remain respectful. Do not ask disqualifying questions
like "Do I have to take a drug test?"
Send a thank you email or note to the interviewer.

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CREDIT 101

By Diaz Allen

FICO (Fair Isaac Corporation) has created the best-known and most widely used credit score model. The FICO score is calculated based on information from a consumer's credit files. This score is used in credit decisions made by banks and other institutions for secured and unsecured credit. A FICO score is between 300 and 850, with 60% of the population between 650 and 799. The higher your FICO score, the lower your chances of credit denial, higher interest rates, requested collateral, or income and asset verification. Scores are often used to determine rates for auto and homeowner's insurance. Some agencies that generate credit scores have been generating specialized insurance scores, which insurance companies will use to rate the quality of potential customers. Some companies request permission from job applicants to run a credit check as part of their application process. The information can be used as an indicator of an applicant’s level of financial responsibility. Applicants have rights under the Fair Credit Reporting Act and are not required to consent to the credit check.
The FACT Act (Fair and Accurate Credit Transactions Act), entitles each legal U.S. resident to one free copy of his or her credit report from each credit reporting agency once every twelve months. (Some states permit one free copy every six months.) There are three credit reporting agencies: Equifax, Experian, and TransUnion. Each of the agencies will have their own score. They usually differ from 50 to 100 points. Instead of visiting each agency’s website individually, go to annualcreditreport.com or call 1-877-322-8228.
Some tips for boosting your score are as follows:
1. Order a copy of each of your credit reports. You will be required to pay a small fee to find out your score. You may be surprised, so it is worth it.
2. Analyze the reports for errors. Look at previous addresses, all debt (paid and existing), and additional names listed. If there is anything that does not look familiar, dispute it. (Key: DISPUTE, DISPUTE, DISPUTE!)
3. Keep balances on credit cards at a median between zero and the limit. If you are not able to pay down the balance to that level, request a credit line increase from the lender (AND DO NOT USE IT!)
4. Contact creditors and ask for lower interest rates on credit cards. Do not hesitate and do not be rude. Consider doing a balance transfer to a card that offers a low balance transfer FIXED rate.

Experian Equifax TransUnion

888-397-3742 800-685-1111 800-888-4213

Experian.com Equifax.com Transunion.com

Understanding The Difference

Notice below how good credit will save you money. Interest rates accurate as of January 20, 2009 and payments are based on a 30-year fixed rate mortgage on $250,000:
FICO® score APR Monthly payment
760-850 4.612% $1,283
700-759 4.834% $1,317
680-699 5.011% $1,344
660-679 5.225% $1,377
640-659 5.655% $1,444
620-639 6.201% $1,531
Source: myfico.com

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