1. Get Familiar with Your Credit Score and Monitor It

Understanding where you currently stand is the first step. Regularly check your credit score and review your credit report for any issues. Many banks, credit bureaus, and financial services provide low-cost or free credit monitoring, so you can keep tabs on your score and stay aware of any changes.

2. Pay Bills on Time, Every Month

Your payment history has a significant impact on your credit score. Even one late payment can hurt, so paying bills on time is essential. Consider setting up automatic payments to help ensure consistency.

3. Reduce Your Credit Card Balances

Your credit utilization—the amount of credit you’re using versus your limit—affects your score as well. Keeping this ratio below 30% is ideal. Begin by paying down existing balances and avoid charging large amounts to your cards.

4. Limit New Credit Applications

When you’re on the path to buying a home, it’s best to avoid opening new credit accounts. Each credit inquiry lowers your score slightly. Until you’re ready to move into your home, stick to the accounts you have to keep your score stable.

5. Keep Older Credit Accounts Open

The length of your credit history also impacts your score. Even if you don’t use certain older accounts frequently, keeping them open can help, as they show a track record of responsible use.

6. Check and Correct Any Credit Report Errors

Errors on your credit report, such as incorrect account details or unauthorized charges, can harm your score. Reviewing your credit report regularly and disputing inaccuracies with the credit bureaus can strengthen your credit score by removing any negative factors that aren’t accurate.

7. Explore Credit-Building Tools, Like Secured Credit Cards or Builder Loans

If you’re establishing or rebuilding credit, a credit-builder loan or secured credit card may be worth considering. These are designed for individuals working on credit improvement, allowing you to build positive payment history over time.

8. Consider a Rent-to-Own Option to Begin the Path to Homeownership

If you’re not ready for a mortgage but want to begin your homeownership journey, a rent-to-own home might be a suitable option. With rent-to-own, you lease a home with the option to buy it later. This arrangement lets you settle into your future home as you work on strengthening your credit score before buying. It’s essential to carefully review the agreement, as many rent-to-own contracts include an additional fee on rent payments that can later go toward the purchase price. Rent-to-own gives you flexibility and a head start toward owning a home, even if your credit needs time to improve.

Why a Strong Credit Score Matters in Homeownership

The stronger your credit score, the more favorable the mortgage terms you’re likely to receive. Buyers with good credit scores may qualify for lower interest rates, smaller down payments, and a wider selection of loan options. Building your credit takes time, but each step you take to strengthen your credit score before buying a home can lead to significant savings and a better path to homeownership.

Improving your credit score is a gradual process, but the rewards are well worth it. If homeownership is your goal, start implementing these steps now, and you’ll be well-positioned for a brighter financial future.

The post How to Strengthen Your Credit Score Before Buying a Home appeared first on Black Wall Street Canada.

The BFUTR 2024 Global Tech Summit is back and promises to be bigger and more impactful than ever. For tech enthusiasts, industry professionals, and companies eager to explore the latest advancements, this year’s BFUTR is the event to watch. This article breaks down what makes BFUTR stand out, from its lineup of sessions and workshops to the unique networking opportunities that await attendees.

What is the BFUTR 2024 Global Tech Summit?

BFUTR, organized by the Black Professionals in Tech Network (BPTN), has grown into North America’s largest gathering of Black tech professionals. Its mission? To connect Black talent with global companies while offering a platform for networking, growth, and career development. Obsidi®—the powerhouse platform for Black professionals in tech—is the driving force behind BFUTR. This year, in partnership with Visit Mississauga, Obsidi® is bringing BFUTR to The International Centre in Mississauga on November 6-7, celebrating diversity, tech innovation, and economic growth.

Why BFUTR 2024 is a Must-Attend Event

For Black tech professionals and allies, BFUTR offers an unparalleled experience focused on career growth and access to opportunities. With over 15,000 attendees, 1,200 tech leaders, 100+ speakers, and 40+ partners, BFUTR’s agenda is packed with sessions, immersive experiences, and exclusive networking events. Here’s why BFUTR 2024 is essential for anyone serious about tech and inclusivity:

1. Professional Growth: BFUTR’s programming is designed to help attendees reach new heights in their careers through interactive workshops, panels, and mentorship sessions.
2. Diverse Perspectives: This event brings together people from different backgrounds, showcasing the invaluable contributions of Black professionals to tech.
3. Networking and Recruitment: The summit offers direct access to recruiters from top tech firms, making it a great opportunity for those looking to advance their careers.

Key Themes and Topics at BFUTR 2024

The BFUTR 2024 Global Tech Summit will cover a range of timely topics, exploring the latest developments and future trends in the tech world:

• Artificial Intelligence (AI) and Machine Learning: Sessions will focus on how AI and machine learning are reshaping industries, from automation to predictive analytics. Attendees will learn how companies are adopting these technologies to gain a competitive edge.
• Cybersecurity in a Digital Age: With cybersecurity challenges on the rise, BFUTR will host workshops on keeping businesses and individuals secure in an increasingly digital world.
• Blockchain and Cryptocurrency: Experts will explore blockchain’s impact on digital currency, finance, and data security, providing insights into how it’s changing tech landscapes.
• Diversity, Equity, and Inclusion (DEI): BFUTR is built around the principle of inclusivity in tech. This year’s sessions will highlight the positive impact of diversity in tech spaces, focusing on actionable ways to promote equity and break down barriers.

Noteworthy Speakers and Special Events

BFUTR 2024 promises a stellar lineup of speakers, including high-profile leaders like Ja Rule, multi-platinum hip-hop legend, and prominent executives such as Dr. Denise Turley of the U.S. Chamber of Commerce and Jason Harvey, EVP of BET. Keynote speeches and interactive panels will provide insights into tech’s evolving landscape.

Highlights Include:

• Keynote Speeches: Hear from influential voices shaping tech, innovation, and diversity.
• Panels and Workshops: Engage in discussions covering everything from coding to digital marketing, offering hands-on experiences for attendees.
• Networking Lounges: Connect with industry leaders and peers in designated networking spaces, designed to foster meaningful conversations.
• Obsidi Recruit® and Mobile App: Discover Obsidi Recruit®—a specialized job board and networking tool—helping Black professionals navigate career opportunities.

Mississauga’s Partnership with BFUTR

This year, Visit Mississauga is thrilled to host the BFUTR 2024 Global Tech Summit, underscoring the city’s dedication to promoting diversity and local economic development. By attracting thousands of visitors, BFUTR not only boosts the local economy but also highlights Mississauga’s position as a dynamic hub for tech and multiculturalism.

Get Ready to Experience BFUTR 2024

Here are some quick tips for first-time attendees to make the most out of BFUTR 2024:

• Plan Ahead: With a packed schedule, prioritize sessions that align with your interests.
• Set Networking Goals: Whether it’s meeting potential employers or learning about a new field, set networking goals to make the most of your experience.
• Engage with Speakers: Use Q&A sessions and social media to connect with speakers for additional insights.
• Follow Up Post-Event: After BFUTR, continue the conversations and connections you’ve made by reaching out on LinkedIn and other platforms.

Final Thoughts

The BFUTR 2024 Global Tech Summit is more than an event—it’s a movement toward a more inclusive tech industry. For professionals passionate about diversity and innovation, BFUTR is the ultimate destination for learning, growth, and empowerment. Don’t miss this opportunity to be part of a transformative experience that’s shaping the future of tech.

Stay updated on BFUTR 2024 with Black Wall Street Canada and immerse yourself in this movement for tech excellence and inclusivity.

The post BFUTR 2024 Global Tech Summit: Celebrating Innovation and Diversity in Tech appeared first on Black Wall Street Canada.

This event is free for all Ages. Appetizers, desserts and refreshments will be served.

The post “My Kwanzaa Wish” Book Launch Event appeared first on Black Wall Street Canada.

You can skate, eat, play games, meet new parents, make new friends, be active, take a ton of pictures and most importantly, have a SUPER FUN day! Get your tickets: take advantage of group discounts and make sure your friends & fam do too!

Enjoy:

Roller Skating (rent or bring your own roller skates or blades)

Games + Social Activities

Exotic Pets (all hypoallergenic)

Complimentary Face Painting

Stuffy Riders (available for kid’s too small to skate, can support up to 300lbs)

TikTok Dance Party

Bouncy Castle

Onsite restaurant

Kid’s vendor market

Plus much more!

Got teens? Bring them to a safe environment to meet and engage with each other!

Tickets at www.FamFun.ca

(kids under 3 are free)

The post Super Fun Fair appeared first on Black Wall Street Canada.

Empowering the Next Generation: Free Summer Camp for Black and Indigenous Students

Are you looking for an enriching summer experience for your child? The University of Toronto Schools (UTS), in partnership with ACCN, is excited to offer a free 5-day summer camp designed specifically for Black and Indigenous students in grades 5-7. This unique program aims to empower and inspire young minds through a week of exploration, learning, and fun!

Program Overview

What to Expect

This summer camp promises to be an unforgettable experience, providing students with:

• Interactive Learning: Engage in hands-on activities that foster curiosity and creativity.
• Inspirational Workshops: Participate in sessions led by experienced educators and mentors.
• Cultural Enrichment: Celebrate and learn about Black and Indigenous cultures and histories.
• Fun Activities: Enjoy a mix of educational and recreational activities designed to make learning enjoyable.

Key Details

• Duration: 5 Days
• Dates: July 22-26, 2024
• Location: University of Toronto Schools
• Target Audience: Black and Indigenous students in grades 5-7
• Cost: Free

Register Today!

Space for this incredible camp is limited, and spots are filled on a first-come, first-served basis. Don’t miss out on this opportunity to give your child a summer to remember. Register today to secure your child’s spot.

• Registration Deadline: Sunday, July 14, 2024
• How to Register: Scan the QR code above or visit ACCN Toronto to complete the registration form.

Why This Camp is Important

Empowerment Through Education

Programs like this summer camp are crucial in providing young Black and Indigenous students with opportunities to thrive. By offering a supportive and stimulating environment, UTS and ACCN are helping to build confidence, encourage academic excellence, and foster a sense of community.

Representation Matters

Seeing mentors and educators who look like them can have a profound impact on young students. This camp ensures that participants see themselves reflected in their leaders, which can inspire them to achieve their own dreams and aspirations.

Join the Community

Be a part of a vibrant and dynamic community that values education, cultural enrichment, and personal growth. Follow @accntoronto for updates, and use the hashtags #KidsSummerCamp, #Toronto, #ACCN, and #UniversityofToronto to share your excitement and connect with other families.

Final Thoughts

The UTS Outreach Experience is more than just a summer camp—it’s a stepping stone to a brighter future for Black and Indigenous students. With a blend of learning, culture, and fun, this camp is set to make a lasting impact on every participant. Register now and give your child the gift of a transformative summer experience.

For more information and to register, visit ACCN Toronto.

Stay connected with BlackWallStreet.ca for more events and opportunities designed to uplift and empower our community.

The post University of Toronto Free Youth Summer Camp 2024 appeared first on Black Wall Street Canada.

Are you ready to take your business skills to the next level? The Black Men In Business Event hosted by the Black Business and Professional Association (BBPA) is just around the corner. Registered participants will join established businessmen and professionals from across Canada to learn about the tools, support, and resources needed to excel in entrepreneurship.

Event Details

• Date/Time: July 8th (Friday) at 5:30 pm / July 9th (Saturday) at 8:00 am
• Location: Hilton Garden Inn & Convention Centre, 500 Beck Crescent, Ajax, ON L1Z 1C9

If you’ve registered, be sure to check your inbox for more information. Stay tuned here for announcements and updates!

Event Schedule

July 8 – Friday

5:30 PM: Attendees Meet ‘n’ Greet

Kick off the event by meeting fellow participants. This is a great opportunity to start building connections.

5:55 PM: Welcome – Nadine Spencer, CEO BBPA

Nadine Spencer, CEO of BBPA, will welcome all attendees and set the stage for the event.

6:00 PM: Event Overview & Introduction of Keynote Speaker – Ross Cadasse, President BBPA

Ross Cadasse, President of BBPA, will provide an overview of the event and introduce the keynote speaker.

6:05 PM: Plenary: Keynote Speaker Trent Out Loud

Hear from Trent Out Loud, an inspiring keynote speaker, as he shares his journey and insights.

6:30 PM: Dinner & Networking Event

Enjoy dinner and network with other attendees, featuring Ray Williams, Professor at York University and President of Music Marketing Inc., and Roderick Brereton, BBPA Membership Director.

8:45 PM: Friday Night Wrap-up/ Prep for Tomorrow / Vote of Thanks – Ross Cadasse

End the evening with a wrap-up and a vote of thanks from Ross Cadasse.

July 9 – Saturday

8:00 AM: Breakfast

Start the day with a hearty breakfast.

9:00 AM: Workshop 1: Business Model Canvas/Creating Your Business Plan

• Presenter: Ed Delsol, CEO of SkillsLadder

Learn how to develop a solid business plan with Ed Delsol.

10:30 AM: Workshop 2: Core Business Financials | Financial Literacy Program (In Person & Zoom)

• Presenter: Andrew Smith, CPA, CA, AWS Consulting

Understand the essentials of business financials with Andrew Smith.

12:05 PM: Lunch

Take a break and enjoy lunch.

1:00 PM: Workshop 3: Digital Literacy

• Presenter: Charles Buchanan, CEO of Technology Helps

Topics covered:

• Collaboration tools
• Mobile security

2:30 PM: Workshop 4: Marketing, Sales, and Networking / Practice Your Pitch

• Presenter: Jonah Chininga, CEO of MIQ Financial

Gain insights into effective marketing and sales strategies with Jonah Chininga.

3:45 PM: Break

Take a short break to recharge.

4:00 PM: Workshop 5: Legal Basics for Entrepreneurs

• Presenter: Dalkeith Palmer, B.A., LL.B., LL.M, Managing Partner

Learn about the legal aspects of running a business with Dalkeith Palmer.

5:30 PM: Fireside Chat: Black Men in Business

• Host: Ross Cadasse
• Speakers:
  • Ray Williams
  • Trent Out Loud
  • Jonah Chininga
  • Ed Delsol
  • Michael Burgess, Nerpys Inc.
  • Charles Buchanan

Engage in an insightful discussion with successful black businessmen.

7:30 PM: Dinner & Round Table: Final Thoughts

• Host: Roderick Brereton

Enjoy dinner while participating in a round table discussion on the event’s highlights.

10:00 PM: Depart Location

The event concludes as attendees depart.

This event is a must-attend for aspiring and established black entrepreneurs looking to network, gain new insights, and grow their businesses. Don’t miss out on this incredible opportunity!

For more information and updates, stay tuned to BlackWallStreet.ca

The post Black Men In Business Event by BBPA: Empowering Entrepreneurs appeared first on Black Wall Street Canada.

 Looking to score big? Make your mark with NBA Canada as a Global Partnerships Project Employee! 

NBA Canada is seeking a detail-oriented self-starter to join their Global Partnerships’ team from September 2024-August 2025. This is a Hybrid position based in Toronto, Ontario.

This is an opportunity to make your mark in the sports industry, where you will be supporting key objectives across the Canadian basketball market  NBA Canada is looking for someone with a strong understanding of basketball and the NBA landscape in addition to strong interpersonal, communication and presentation skills.

The successful candidate will be working with the Global Partnerships department, key partners and stakeholders across various projects, campaigns, and in-market executions. Additionally they will be supporting the Managing Director with project management and account management for Jr. NBA and WNBA programming in Canada

The ideal candidate will have at least 2-4 years relevant working experience in addition to a Bachelor’s Degree in Business or related discipline.

For more information about this exciting role, please swipe to see the corresponding  job description.

If this sounds like you, please apply below

Applications will close on August 2nd 2024 at 11:59 PM EST.

#readytoplaywithintensity #Beyondthecourt  #BTITalent #BlackTalent #NBACanada @blacktalentinitiative

The post NBA Canada is Hiring appeared first on Black Wall Street Canada.

Join us for community & family friendly fun at Canada’s biggest waterpark! Limited Discounted tickets available, secure yours ASAP!

Join us at Canada’s biggest waterpark for a day of fun, sun and community! If you missed our first Community Day, you definitely don’t want to miss this one. A safe, exciting day for the children, teens, adults & seniors: invite your friends, family & community members and we’ll see you this Summer! You don’t have to be Black to attend, but you must be a part of the community.

ENJOY:

• Discounted community-exclusive tickets
• Discounted parking passes
• Lazy River, Wave pool, wading areas, kid’s play areas
• Kid’s Foam party
• Kid’s face painters
• Complimentary Cotton Candy
• Complimentary Treats
• Live DJs
• 19+ Licensed area
• BBQ available for sale
• Lots to entertain and to surprise
• Community, connections & reconnections

We’ve structured tickets so that the earlier you purchase, the more you save!

MAY: Child/Senior: $25.95 | Adults $34.95

JUNE: Child/Senior: $29.95 | Adults $39.95

JULY: Child/Senior: $34.95 | Adults $44.95

Reg: Child/Senior: $39.95 | Adult: $54.95-64.95

Kid’s under 2 are free!

Parking Passes: $14.95 | Reg: $20 (Available in July)

There are no promo codes, tickets are already heavily discounted. Tickets are non-refundable.

The post Black Toronto Community Day | Wet N Wild Waterpark appeared first on Black Wall Street Canada.

Exciting News! The Black Opportunity Fund (BOF) is growing and seeking a motivated team player to fill the position of Human Resource and Administration Specialist.

Job Responsibilities

As HR & Admin Specialist, you will be reporting to the Human Resources Manager, HR Systems & Implementation, the position is responsible for supporting the Human Resources and Operations activities, engaging with various staff, contractors, stakeholders, support organizations, and community members in the administration of BOF HR, Finance and Operations. The incumbent will possess a strong background in HR administration, supporting Performance Management and Human Resources Management Systems (HRMS) Implementation and Payroll and benefits administration.

Submission Details

To apply for this HR Role, please submit a resume and cover letter by July 12, 2024 to robert@hudsongroup.ca, with the email heading “Re: Human Resource & Administration Specialist”.

We sincerely appreciate all applications and will only directly contact candidates selected for an interview. BOF is a community-led registered Canadian charitable organization, whose mandate is to dismantle anti-Black racism by establishing a sustainable pool of capital to support Canada’s Black communities. This is achieved by allocating resources to Black-led community organizations leading initiatives that impact the quality of life in the Black community, and facilitating access to capital for Black-led businesses to drive economic empowerment throughout the community.

Follow Black Opportunity Fund on Instagram

#hiring #BOF #WeBackBlack #BLKOpportunity

The post Black Opportunity Fund is Hiring! appeared first on Black Wall Street Canada.

Earn Your Leisure is thrilled to announce the first part of the line-up for Invest Fest 2024! Prepare yourself for an unforgettable experience where you will learn, network, and entertain yourself like never before. This year’s Invest Fest event promises to be bigger and better, bringing together some of the most notable and influential figures in business, entertainment, and personal development.

Join the Earn Your Leisure team for an amazing show and relive the experience of a lifetime. Their all-star lineup includes:

• Steve Harvey
• Daymond John
• 50 Cent
• Steve Stoute
• T.I.
• Don Peebles
• Lauren London
• Steven A. Smith
• Monica
• EYL
• Ian Dunlap
• MG The Mortgage Guy
• And more!

Don’t miss out on this opportunity of a lifetime! Get your tickets now for a limited time early bird special rate and secure your spot at Invest Fest 2024 in Atlanta. This is your chance to gain valuable insights, expand your network, and enjoy top-tier entertainment all in one place.

Get Your Early Bird Tickets Now!

Event Details:

    •    Date: Aug 23, 2024 – Aug 25, 2024

    •    Location: Atlanta GA

    •    Time: Daytime Event!

Invest Fest is designed to empower you with the knowledge and tools to elevate your financial future. You’ll have the chance to network with industry leaders, attend informative sessions, and participate in hands-on workshops.

Why You Should Attend:

    •    Learn from Experts: Gain actionable strategies from Daymond John and other top speakers.

    •    Network: Connect with like-minded individuals and industry professionals.

    •    Grow Your Wealth: Discover new investment opportunities and innovative financial strategies.

How to Register: www.investfest.com

Best regards,
Invest Fest Team

The post Invest Fest 2024 by Earn Your Leisure (EYL) appeared first on Black Wall Street Canada.