Zoom meeting link - Friday July-12- 2024 /9pm est https://us06web.zoom.us/j/87388922752?pwd=UwwfuYwzjA61yqcUjCJq6qWFYbV0Ji.1 passcode 123456 Renee Bobb is an authority in the field of self-publishing and small business development. Her company, Renee Bobb Training LLC, (www.ReneeBobbTraining.com) is an Empowerment Training and Development Firm, specializing in Grant Funding, Small Business Development, Financial Empowerment, and Book Publishing Training. She the founder of the Grant Funding Academy (www.GrantFundingAcademy.com) where they have helped small business owners to win over $1.9 Million dollars in grant funding and sponsorship dollars. Renee’s expertise extends to securing significant sponsorships from high-profile organizations and businesses including The Green Zone, Chicago Bulls, Wells Fargo, Advance Spine & Wellness, Synovus Bank, US Community Credit Union, Metro EMS, Allure Quest Travel, and 360 Inventory Solutions. A decorated Military Veteran and community leader, Renee has received numerous accolades for her work with military veterans and entrepreneurs, including the Mighty 25 Military Influencer Award and the Dr. Paris Love 2021 Military/Entrepreneur Award. Her other awards include the Tennessee Christian Chamber of Commerce “Community Impact Award” in Education, the Tennessee Black Chamber of Commerce “Rising Star Award,” and the Nashville Entrepreneur Center “Member of the Year Award.” Over the past two years, Renee has launched many programs for several nonprofit agencies including Bunker Labs. As an independent contractor in the role of Training and Development Manager, she led their Diversity, Equity, and Inclusion Leadership Team. She created the Black Veteran Entrepreneur Workshop Series, an 8-week training course that has significantly impacted military veterans and their families by educating them on securing over $1.5

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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.