Readiness Checklist: 5 Steps to Prep for Buying a Home

For many Americans, making the jump to buying that first house is a significant achievement that allows them to put their mark on their own space, while creating room for family and pets.

But how do you know you’re ready?

Americans see homeownership as an investment in their future, yet they are concerned about the steps they need to take to put themselves into a position to buy, according to the “How Americans View Homeownership” survey conducted by The Harris Poll April 17–29, 2019, among 1,004 U.S. adults 21 and older on behalf of Wells Fargo. The study showed that 44 percent of non-homeowners identified saving for a down payment as a top barrier to buying, more so than any other obstacle.

“Homeownership is very much a part of the American Dream, yet too many first-time buyers don’t know where to start,” says Liz Bryant, Wells Fargo Home Lending’s national retail sales leader. “We find that a great way to get moving down the path to homeownership is with a conversation. By reaching out to your mortgage lender, your banker or even a housing counselor, you can start putting together a plan that will help get you on your way.”

Here are some steps to consider:

• Research lenders and loan options. Identify a lender who has a breadth of home loan options, including low down payment mortgages, and who is willing to provide you with personalized guidance. Then just start the conversation.

• Know your goal. Your mortgage consultant can help, and so can a financial health banker or a housing counselor. A discussion about spending, saving, debt and credit will help you make decisions about what you can afford, how much you need to save and whether you need to do work to improve your credit score.

• Get your down payment ready. If you don’t already have one, create a budget for your monthly spending, so you can identify areas where you can save. Set aside unexpected windfalls, such as tax refunds, to grow savings.

• Keep an eye on overall debt. While there’s room for student loans and credit card debt, a good rule of thumb is to keep your overall debt level — including your new mortgage — at or below 36 percent of gross monthly income.

• Think beyond the down payment. Consider setting aside 1-2 percent of the purchase price of your home each year for maintenance projects. If that seems like too much, start with less and work your way up.

More readiness tips can be found at wellsfargo.com/financial-education/homeownership/.

“Too many first-time buyers get intimidated by the down payment or the work they might need to do around credit,” says Bryant. “Many don’t realize that there are lending options available for homebuyers with a range of credit scores, and programs that require buyers to put as little as three percent down. It’s important to explore your options, take it step by step and work toward your homeownership goals.”

Cora Green: There’s Purpose Behind The Art

There are different ways that people love to express themselves. For Cora Green, her favorite way is through art.  Art was introduced to her at a young age.

Cora Green
Cora Green

“I started doing art at the age of four. My grandmother would always give me the Sunday comics and with Garfield or The Peanuts and I would sit and look at it and just start drawing it.”

This self-taught artist started liking art at that age and from there, it was always a part of her life, but it did not become something she thought she would be able to make a living on until recently:

“I would say in the last year to year and a half. I’ve had my moments where I thought was going to do it, but Tennessee was very behind in art and art wasn’t big in Tennessee until now. “

With artists, you usually can categorize their styles. What makes Cora unique is she does not really go by that structure:  “My art you really cannot put in a category, but I do focus on monochromatic, which basically is you taking one color and using it. For example, I can take a blue and mix it with a little white or a little black to make the different shades of blue. Sometimes I do multiple colors, but usually I stick to one color. I also dabble with pencil or charcoal, so I don’t just do just one thing.”

As far as what Cora’s art means and what makes it different than others, Green had a unique response: “My art pulls on your emotion. I focus on the emotion of what people face everyday. So my paintings, you will not be able to walk away. You’re going to study it and think, ‘Hmm… wonder what the artist was thinking, or I have been here before.’ So it kind of plays with your mind a little bit.”

More than pulling emotions, Green hopes to do a few things with her work: “Art is very healing. Art has healed me with a lot of things I have went through in my life and it gives you that creative release from tension, stress, depression. It just gives you that release because you are putting all of that into the painting or drawing.”

What started as a way to express herself as a young girl has now turned into something Green not only loves but is trying to use to help people around her.

“My ultimate goal with my art is to get people tapped into their creative side. There is an alternative to helping yourself deal with situations in art. So basically, art gives you that mental release of frustration. I want my art to heal people. “

Along with healing and pulling at emotions, Green also hopes to eventually give kids another outlet.

“There’s a lot of kids and people that don’t have access to art. They want to do art but they don’t have the funds. So, I am trying to create a way to get people that wouldn’t have the opportunity to do art class to do this.  There are too many kids out here that are doing things they don’t need to be doing and it boils down to their mental mind. They need something. Even if they can just come, sit down and write something. Just give them a release.”

With her paint parties like she recently had with a Lion King them and more things coming, Green is definitely making great strides towards introducing more people, young and old, to art, while healing people along the way.

Publishing CEO LaDonna Boyd honors family legacy with $1M contribution to National Museum of African American Music

As a child, LaDonna Boyd recalls her father’s desire to build a museum that would recognize African Americans’ contributions to music. 

“I remember going to meetings and fundraisers at people’s houses with my parents, but not really fully understanding what this would mean,” she says. 

More than 20 years later, the meaning is clear to the now CEO of Nashville-based R.H. Boyd Publishing Corp., which recently contributed a million dollars to the National Museum of African American Music scheduled to open in early 2020. 

Boyd, who became a fifth-generation CEO when she took over the publishing company in 2017, says her father, T.B. Boyd III, would be proud. 

“The museum was an initiative started by my father over 20 years ago,” says Boyd, who is a member of the museum’s board. “We’re very proud to see it come to fruition, and we’re certainly glad to be in a position to make such a large gift.”

She says the museum also honors her great-great-grandfather, Richard Henry Boyd, who in 1896 started the publishing company, considered the nation’s oldest minority-owned business. Eight years later, he launched Nashville-based Citizens Savings Bank and Trust Co., which is considered the nation’s oldest continually operating black-owned bank. 

“He was a leader in music, if you will, because our company printed hymnals and sheet music,” says Boyd of her great-great-grandfather. “So we have been able to tell the story and the narrative of the black experience for over 123 years, whether it be in music, or in faith-based initiatives.”

The website of the museum says it will be a “56,000-square-foot facility that will encourage visitors to discover the many connections and influences that composers have had on all genres of music.”

“From classical to country to jazz and hip hop, NMAAM will integrate history and interactive technology to share the untold story of more than 50 music genres and subgenres,” according to the site. “It will be an unparalleled institution, not confined by record label, genre or recording artist, but instead will tell a unique narrative through the lens of black music.” 

Boyd says she hopes the museum will help people better understand just how deep African American roots are in music. 

“We certainly deserve the recognition,” she says. “So for people that aren’t of this ethnicity to be able to see that, kind of front and center, I think it’s important.”

Boyd believes the museum will also “help further the conversation around diversity and equality, and equitable solutions to help alleviate some of the social concerns that black people still deal with today.”

Boyd, who chairs the committee charged with making sure construction of the museum is fully executed, says her company’s donation includes an endowment fund that will benefit students at historically black colleges and universities (HBCUs) pursuing music education. 

“I think that’s huge,” says Boyd. “We want to make sure we’re putting resources back into the community.”

To learn more about the National Museum of African American Music, visit https://nmaam.org.

Russians are still meddling in US elections, Mueller said. Is anybody listening?

Analysis by Zachary B. Wolf, CNN

(CNN) — The biggest takeaway from Robert Mueller‘s appearances on Capitol Hill is not that Donald Trump may have obstructed justice, although that’s what most people continue to argue about.

It’s that Russians are still interfering in US elections.

“They’re doing it as we sit here,” Mueller told lawmakers of Russian interference. Earlier he’d said how that aspect of his investigation has been underplayed will have a long-term affect on the US.

In his report, the former special counsel disclosed that Russian hackers compromised local election systems of two Florida counties in 2016, a development later confirmed by Florida Gov. Ron DeSantis, although he said no votes were changed. And while Mueller did not bring conspiracy charges, it’s been well documented that Russians in 2016 were doing their best to help Trump, not Clinton, win.

Yet despite Mueller’s testimony, the special counsel report and alarming statements from elsewhere in Washington, public urgency on addressing Russian interference for the 2020 election appears lacking.

The top Democrat on the House Intelligence Committee, Rep. Adam Schiff, said Wednesday it needs to be stopped.

“Russians massively intervened in 2016 and they are prepared to do so again in voting that is set to begin a mere eight months from now,” he said, pointing out the one thing the Mueller report makes absolutely clear. “(The) President seems to welcome the help again,” Schiff alleged, adding, “And so we must make all efforts to harden our elections infrastructure, to ensure there is a paper trail for all voting, to deter the Russians from meddling, to discover it when they do, to disrupt it and make them pay.”

It’s not just Democrats saying the Russians want to meddle again. FBI Director Christopher Wray said it during his own testimony on Capitol Hill Tuesday, but he said the bureau has the problem in hand.

“The Russians are absolutely intent on trying to interfere with our elections through the foreign influence,” Wray told the Senate Judiciary Committee. And he added they’re still at it. “Well, my view is until they stop, they haven’t been deterred enough.”

He said that the FBI handles efforts to deter foreign influence and they don’t need any new laws to help.

Trump joked with Russian President Vladimir Putin this year about it.

“Don’t meddle in the election, please,”he said, smirking, when the two met on the sidelines of a G-20 meeting in Japan in June.

Wray argued the government has significant resources devoted to combating foreign influence, but couldn’t think of anything else they need.

Democrats say the spreading of false information and other efforts by Russians to interfere are a massive issue. While leaders in the party are split over whether to pursue impeachment hearings against Trump for obstructing justice, they are united behind a new proposal to secure elections.

And there is bipartisan support for efforts to make campaign ads more truthful and to require citizens to report offers of election help for foreign actors.

But these proposals seem to be going absolutely nowhere at the moment.

That’s because the Republicans in the Senate who control what’s voted on in that chamber, don’t think any such bill is necessary. Senate Majority Leader Mitch McConnell feels elections should be controlled and safeguarded at the local level rather than managed by Washington, according to a recent CNN report on his thinking.

Democratic senators came to the floor shortly after 6 p.m. ET to ask for unanimous consent to pass three different election security bills they have authored, two of which would require campaigns to report to federal authorities any attempts by foreign entities to interfere in US elections, and a third aimed at protecting from hackers the personal accounts and devices of senators and some staffers.

In keeping with GOP arguments that Congress has already responded to election security needs for the upcoming election, Republican Sen. Cindy Hyde-Smith of Mississippi objected to each unanimous consent request.

Democrats, after Mueller’s testimony, will redouble their efforts to get some action from McConnell, but he’s already argued that Congress gave new election security money to states after 2016.

“The Democrats would like to nationalize everything,” McConnell said on Fox News in June. “They want the federal government to take over the election process because they think that would somehow benefit them.”

That election security has taken on such a partisan tinge might be some of the lasting effect on US democracy that Mueller is talking about.

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Equity Alliance Celebrates Black Women’s Empowerment at 2nd Annual Brunch

The Equity Alliance held its 2nd Annual Black Women’s Empowerment Brunch at Rocketown in Nashville Saturday, July 20. Nearly 400 community leaders, political candidates, elected officials and others came together to celebrate the many contributions Black women continue to make in the Middle Tennessee area. The purpose of the program was to honor specific notable Black women leaders and to raise funds to support the organization’s programs

Hosted by 92Q’s radio personality Sissy Brown, the brunch included a variety of food options, mimosas, live music performed by the Jason Eskridge Band, Spoken Word Artist Tia Smedley, a live auctioned painting by artist James Threalkill, presentation of awards to community leaders, and a keynote address by Kristen Clarkes, JD.

The brunch opened with an exciting set of African dance performed by the Sankofa African Drum & Dance Co. Draped in traditional African wear, the dance company started their performance among the tables of attendees before ending on stage with a huge splash of colors and African sounds.

From that point on the brunch remained high energy with MC Sissy Brown moving the event along at an exciting pace.

(l-r) Equity Alliance President Charlane Oliver and Vice President Tequila Johnson spoke about the mission of their organization (Photo by: Jason Luntz)
(l-r) Equity Alliance President Charlane Oliver and Vice President Tequila Johnson spoke about the mission of their organization (Photo by: Jason Luntz)

After being treated to spoken word by Tia Smedley, the audience was introduced to Equity Alliance President Charlane Oliver and Vice President Tequila Johnson. The two women explained the origin of the organization; three years ago six women met at Chili’s on West End in Nashville and decided that there was a need for Black Women to be heard in the political arena.  Since that time the Equity Alliance’s mission has grown to ‘proactively advocate for African-Americans and other community of color to have a fair and just opportunity of realizing the American dream’.

Also included in the event’s agenda was the presentation of two awards to Black women who have long played a part in Tennessee government. Former State Representative Johnnie Turner, a Memphis Democrat received the Pioneer in Politics Award. Freda Player-Peters, Senior Legislative Advisor or Mayor David Briley received the Unsung Shero Award. Both recipients spoke about the importance of the community remaining active in politics.

Included in the brunch was a Keynote Address delivered by Kristen Clarke, JD, who regularly speaks and write on issues about race, law and justice.

African-American culture was celebrated among the diverse crowd. “The Black Women’s Empowerment Brunch is always dripping in black girl magic and filled with culture,” explained Vice President Johnson. “Looking out into the crowd and seeing the joy and the smiles on the faces of the diverse group of leaders and community members that came out to support The Equity Alliance is why we wake up everyday and do this work, it makes all of the sacrifices and late nights well worth it.”

To learn more about the mission of The Equity Alliance visit their website at https://theequityalliance.org or search the hashtag #BETONBLACKWOMEN on all social media sites.

ESPN’s Dan Le Batard is taking the day off from his radio show after chiding network for its no-politics policy

By Brian Stelter, CNN Business

(CNN) — ESPN’s Dan Le Batard is at loggerheads with the head of the sports network, Jimmy Pitaro, over the network’s no-pure-politics policy.

Le Batard, a popular ESPN personality, is taking Monday off from his radio show, a source familiar with the matter confirmed to CNN Business.

But he is still planning to tape his daily TV show, “Highly Questionable,” later in the day.

On the radio last week. Le Batard ripped into President Trump for his racist attacks against four Democratic congresswomen.

“If you’re not calling it abhorrent, obviously racist, dangerous rhetoric, you’re complicit,” he said.

He also blasted ESPN as “cowardly” for instructing staff to eschew political conversations unless politics has intersected with sports in some way.

Following Thursday’s viral commentary, staffers — including Le Batard — were reminded that the policy is still in effect.

Le Batard was back on the air on Friday, and there is no indication that he has been suspended.

The host was “back and forth” with Pitaro all weekend, the source said.

Le Batard came away from the conversations feeling like he wasn’t ready to host his radio show on Monday, and ESPN accepted that.

“He is expected to be on tomorrow,” according to the Sports Business Journal’s John Ourand, who broke the news about the behind the scenes talks between Le Batard and Pitaro.

On Monday ESPN declined to comment on the matter, as it has done since last Thursday.

Le Batard did not immediately respond to a request for comment.

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‘Avengers: Endgame’ passes ‘Avatar’ to become the highest-grossing film ever

By Frank Pallotta, CNN Business

(CNN) — “Avengers: Endgame,” the Disney and Marvel blockbuster, will move past “Avatar” on the list of all-time highest grossing films on Sunday in its 13th weekend of release, Disney reported Saturday night.

“Avatar,” James Cameron’s science fiction film set on the planet of Pandora, held the record for 10 years.

The latest “Avengers” film, starring Robert Downey Jr. and Chris Evans, has made more than $2.789 billion worldwide.

“A huge congratulations to the Marvel Studios and Walt Disney Studios teams, and thank you to the fans around the world who lifted ‘Avengers: Endgame’ to these historic heights,” Alan Horn, co-chairman and chief creative officer of The Walt Disney Studios, said in a statement.

To get to the top spot, “Endgame” passed some of the biggest blockbusters in film history such as “Titanic,” “Star Wars: The Force Awakens” and its predecessor, “Avengers: Infinity War.”

“‘Endgame’ has cemented the Marvel Cinematic Universe as a cornerstone of modern mythos that will be passed down to generations of fans,” Shawn Robbins, chief analyst at Boxoffice.com, told CNN Business. “That would have been true regardless of its monetary position relative to ‘Avatar.'”

Robbins added that the title of highest-grossing film of all time is “the cherry on top for Marvel’s first decade.”

“Never before had audiences experienced an episodic, cinematic journey over the span of 11 years,” Robbins added. “It’s nearly impossible to predict something like that, just as ‘Avatar’s’ own run was widely unexpected. In a way, they share that common bond.”

“Endgame” shattered records when it opened in late April.

The superhero film, which had the Avengers take on the villainous Thanos, made $1.2 billion at the worldwide box office for its global opening. It took just five days for the film to cross $1 billion at the box office.

Disney acquired the “Avatar” franchise when it completed its $71 billion purchase of most of 21st Century Fox’s assets earlier this year.

The space series will have a chance to take back its box office crown from “Endgame.” Disney is planning four “Avatar” sequels between 2021 and 2027.

“Even with the passage of a decade, the impact of James Cameron’s ‘Avatar’ remains as powerful as ever,” Horn added. “The talented filmmakers behind these worlds have much more in store, and we look forward to the future of both the Marvel Cinematic Universe and Pandora.”

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Cameo Bobo Changing Nashville One Person at a Time

The power to effectively help people in life is a power very few have. Cameo Bobo is one of those people and she is right here in Nashville.

At a young age growing up in Jackson, Tennessee, Cameo had a pretty good idea of what she wanted to do.

“Growing up in Jackson, I loved to help people. If you ask anyone about Cameo from Jackson, they will say she had a kind heart.”

That kind spirit and servant’s heart followed Cameo all the way to college at Middle Tennessee and in her everyday life and now she is paying it forward with a few things she is doing.

“I have an organization called FAWM (Fearfully and Wonderfully Made). It’s all about letting girls know they are fearfully and wonderfully made and beautiful unique princesses. So, we are spreading that FAWM message through outreach, FAWM merchandise and we also have FAWN song. It’s just a thing that I do to uplift and encourage young girls because I really have a heart for that.”

Cameo is not only working to help young girls, but she is also bringing messages to women across the area too and her latest event is her goal setting workshop.

When asked how she began to get into doing goal setting, it was on the encouragement of a friend that got her going in this direction.

“I was on a New Year’s trip with two of my friends and one morning one of my friends, Dawn Harrington, and I were having breakfast and I was like ‘Okay Dawn. Let’s get our goals together. So, we’re going through them and she said ‘You know. You have been doing this for years.’ She reminded me of all the times I had gotten our friends together on conference calls and did email chains about goal-setting and she said ‘I want you to come share your goal-setting methods with my board.’ So, I went and I shared the information with her board. They loved it. So, I just started setting dates and did a mini-tour. Everyone loved that, so I started just doing it on a regular basis. I’ve been having the meetings monthly so far.”

As for the Best Life Now Formula, Bobo gives a little taste of what it is.

“The Best Life Now Formula and it is a proven method to help you achieve your goals. It is the method I have used to achieve goals in 90-day increments and I also have used it to achieve my personal goals, business goals, my goals to meet certain celebrities. Whatever it may be, I have used this formula for the last ten years of my life and I have seen proven results from it.”

The Goal Setting workshop: Come And Learn the Best Life Now formula, will take place on Sunday, July 21st at 2pm at Elevate Café. Cost is $30 for the workshop and if you pay an additional $15, you get a detailed action plan to help align your goals to meet in 90 days as well.

Cameo is taking the love for helping people and trying to help people be better one day at a time.

For more information on all the things Cameo is involved in, feel free to check out her websites iamcameo.com and http://wearefawm.com/ or you can find her on social media(Facebook, Instagram and Twitter) @iamcameo or @wearefawm.

COMMENTARY: Voting 4 Carol Swain is Voting 4 Racism, Homophobia, and Xenophobia

By The Nashville Voice Editorial Board

As election day in Nashville quickly approaches many Nashvillians are still in the process of researching each candidate. We recently endorsed Mayor David Briley for reelection and listed our reasons for that decision. It is also the view of this Editorial Board that there is case for why Mayoral Candidate Carol Swain should not be elected as the next mayor of our city.

Candidate Swain has a long history of disparaging remarks against Muslims, the LGBTQ community and even her own race of African Americans. Over the years she has made a career as the poster child for the far right movement in this country, appearing often on Fox News and CNN to represent the “black conservative voice”.

We have gathered 10 quotes from Swain that prove she is the mouthpiece of Racism, Homophobia, and Xenophobia.

Interview with The Daily Caller

“As a black person, it bothers me that the America I know and love I feel like is being destroyed by [President Barack Obama] a black man. I don’t understand why.” ~ Source

Interview with The Birther Report

“The changes that I think are so destructive to our Constitution and our American way of life is being led by someone [President Barack Obama] that’s not only a black man but he’s not even a native-born black man.” ~ Source

Tennessean Op-Ed

“What would it take to make us admit we were wrong about Islam? What horrendous attack would finally convince us that Islam is not like other religions in the United States, that is poses an absolute danger to us and our children unless it monitored better than it has been under the Obama administration?” ~ Source

Interview with Erico Matias Tavares 

“Right now it is far easier to continue the mantra of blaming white people and slavery for the plight of blacks.” ~ Source

Interview with The Birther Report

“There’s something terribly wrong in America and as a black person it bothers me that the America that I know and love is being destroyed by [President Barack Obama] a black man” ~ Source

From Swain’s 2011 book “Be The People”

“We are being confronted with numerous national disasters and freak weather patterns. Could some of these occurrences be related to our decision to reject biblical injunctions against abortion, greed, homosexuality, fornication, and adultery? Accept the fact that no matter what Christians and other believers do, it may be too late to save the United States of America….As it stands, we do not know if judgment has been determined for our nation.” ~ Source

Speaking at the Family Research Council’s Values Voters Summit 

“If we must live side-by-side with gay couples in a culture with a strong crusading homosexual agenda, our only hope is to strengthen ourselves spiritually and intellectually for the battle that awaits us.” ~ Source

MSNBC Interview

“And this Klan, David Duke endorsement or whatever you want to call it, I think that’s going to be a non-issue because people have said enough with political correctness and no candidate can totally control who supports that candidate. I think it would hurt Donald Trump [to disavow controversial endorsements] because he’s not into political correctness. If you’re trying to win, you’re trying to get votes from wherever they come.” ~ Source

Speaking on CNN

“Because I believe that it’s [Black Lives Matters] been a very destructive force in America, and I urge all of your viewers to go to that website and look at what they’re really about. It’s a Marxist organization all about black liberation. It’s not really addressing the real problems affecting African-Americans and so it’s problematic, it’s misleading black people, it needs to go.” ~ Source

Infowars Interview

“I believe that the Democratic party is clearly not the party that a lot of African Americans believe it is, they need to know it’s pure Marxism. ~ Source

 

 

‘Hustlers’ first look offers Jennifer Lopez, Constance Wu and Cardi B as strippers

By Lisa Respers France, CNN

(CNN) — Get ready to hand over your dollars — at the box office.

The first trailer for “Hustlers” has arrived and the ladies look ready to give you a good time.

The heist film starring Jennifer Lopez, Constance Wu, Cardi B, Julia Stiles, Keke Palmer, Lili Reinhart and Lizzo is set in a strip club and the trailer opens with Lopez demonstrating for Wu some impressive pole dancing.

That alone is worth the price of admission, wouldn’t you say?

Based on the true story first brought to the world in a 2015 New York Magazine article titled “The Hustlers at Scores,” the film is about a group of strippers who decide to rip off Wall Street types.

Lopez is an executive producer on the project as stripper Ramona, who enlists Wu’s character Destiny to take the guys for all they can.

“These Wall Street guys, you see what they did to this country?” Ramona says to Destiny. “They stole from everybody. Hardworking people lost everything and not one of these douchebags went to jail.”

“The game is rigged and it does not reward people who play by the rules,” Ramona adds.

All the action plays out in the trailer backed by Cardi B’s hit song “I Like It.”

And for those who don’t know, before she was a Grammy-winning rap artist, Cardi B was a stripper whose robust social media following helped her land a gig on the VH1 reality series “Love and Hip Hop.”

“Hustlers” dances into theaters on September 13.

For more on “Hustlers,” check out what “Transparent” actress Trace Lysette had to say about working on the film:

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