Dividend stocks are shares of companies that regularly pay investors a portion of the company's earnings. The average dividend yield of some of the top dividend stocks is 12.69%. The best dividend stocks are shares of well-established companies that increase their payouts over time. Companies that pay dividends tend to be well-established, so dividend stocks may also add some stability to your portfolio. Below is a list of 20 of the highest-dividend stocks headquartered in the U.S., ordered by annual dividend yield. This list also takes into account the 5-year average dividend growth rate and dividend payout consistency and includes companies from either the S&P 500 or Russell 2000. Always make sure to invest wisely. We are just giving you the information to make your own decisions. Invest at your own risk. Information gathered from NerdWallet.com

What is the worst thing you can do to your credit? Missing payments can damage your credit score more than anything else. Payment history is the most important factor in your FICO score, and even a 30-day late payment can have a negative impact. To avoid missing payments, you can set up automatic bill payments or make at least the minimum payment.

Here is a breakdown of what makes up your credit. Payment History- Are you paying on time? This can make up 35% of your credit score. This is one of the most important parts of a credit report. This tells them how reliable you are. Credit History- How long have you had credit Amounts owed- This is how much you owe each creditor individually. Credit mix- This is the ability that you have to successfully manage multiple debts and different credit types. Credit Utilization- How much available credit you use. This applies to revolving accounts such as credit cards. Think of it as how much credit you owe versus what you have. Credit Accounts- How many open accounts you have. Finance company accounts- These are mortgage loans, public record, and collections. Credit limits- Max amount of money you can spend on a credit card Credit age- This is the length of credit history. Hard inquiries- These occur when you apply for a new line of credit such as a credit card or a loan. Balances- This is the measurement of total balances. Hope this breaks down some common wording that you see when it comes to credit. Please make sure to monitor your credit regularly, this way if you see something off you can take care of it faster. Good credit is the key to wealth.

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