News coverage from the campaign press conference.
WELCOME
Welcome to my dfree® blog. I hope these thoughts will help someone think new thoughts and take new actions toward their financial freedom. The proverb says that "the borrower is slave to the lender." (Proverbs 22:7) I have dedicated the rest of my life to helping people obtain spiritual and economic freedom.
PBS: “NJ Spotlight News Newark launches a free ‘financial literacy’ program”
Video coverage of Newark Mayor Ras Baraka and first lady Linda Baraka launching the new financial literacy program aimed at the women of Newark, NJ.
Should I pay credit card debt that has been written off?November 12, 2024While creditors write off debt as a loss on their balance sheets, they typically don't forgive it. The debt remains yours to pay, and it will likely be sold to a collection agency, which can lead to further damage to your credit score. […]
Why States With No Income Tax Aren’t as Affordable as They SeemJuly 3, 2024If a state doesn’t charge income tax, it must find revenues elsewhere. […]
Once you hit this credit score ‘you’re good’—how to get even betterJune 19, 2024The average American credit score is 716, according to FICO. You'll need to get into the mid 750's to score the most attractive offers, credit experts say. […]
A new rent-versus-buy calculatorMay 14, 2024It is the biggest financial decision for many younger adults: Should I rent a home or buy one? The decision is especially difficult these days, with both interest rates and rents having risen in the past few years. […]
Some of the rules that protect wealthy savers’ bank deposits just changed. Here’s what to knowApril 9, 2024If you have more than $250,000 in deposits at a bank, you may want to check that all of your money is insured by the federal government. The Federal Insurance Deposit Corporation, or FDIC, implemented new requirements for deposit insurance for trust accounts starting April 1. […]
I’m a Financial Expert: 6 Misconceptions People Have About Their Credit ScoresMarch 25, 2024Some aspects of money management can get confusing at times, and one area that many people struggle with is building credit. […]
Pay Off Your Mortgage Early or Invest?March 20, 2024Higher safe yields in 2024 upend the old rules related to mortgage paydown. […]
An in-depth look at “buy now, pay later” (BNPL) payment services, including Affirm, Afterpay, Klarna, Sezzle, and ZipMarch 20, 2024While installment payment apps are an increasingly popular way to make interest-free online purchases, consumers should read the fine print before they opt to “pay later,” as it could affect their credit scores. […]
Dfree® Africa Foundation Helps Thousands Of Women And Children By Supporting Health Centers In GhanaJanuary 17, 2023On Tuesday, January 17, 2023, dfree® Africa Foundation responded to a call for help by the Abuakwa South Municipal Health Directorate to support their work in rural communities around the municipality with medical equipment. […]
Dfree Movement Hosts Inaugural Legacy GalaDecember 24, 2021This January, to kick off the season in which the nation pauses to commemorate Black history with celebration and reverence, the Dfree Global Foundation, Inc. will celebrate its 10th anniversary by hosting the first-ever Dfree Legacy Gala & Awards Ceremony. […]