Afro e-Edition 08-16-2024

We’re Still Here

Celebrating National Black Business Month

August is a time to recognize Black businesses and the entrepreneurs that keep them up and running. This week, the AFRO delves into the triumphs and challenges of Black entrepreneurs as they begin, grow and sustain their companies. Keep this edition handy, as it includes tips on avoiding scams, starting a 401 (k) plan as a business owner and more!

The power of Black entrepreneurship

By Alexis Taylor AFRO Managing Editor

When I think of the power of Black business ownership, I think of the first entrepreneur I met in life: one of my grandfathers, John Arthur “AB” Butts.

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Born to the late William and Courtney Butts on Nov. 28, 1943, my grandfather was a hard working man from Norfolk, Va. – a man’s man, with a big heart. Our paths first began to intertwine when he and his wife, a teacher, snatched one of her 14-year-old science students out of the Virginia foster care system. Together, they stood in the gap and created a family for not only the young lady who would later become my mother, but all of her children as well.

As a father to three and grandfather to many, my “grandaddy” was the definition of grit and determination. And he never missed a beat. He made no excuses– even when the going got tough.

After studying at Norfolk State University and serving time in the U.S. Army, John Arthur Butts decided on a career. For 25 years of his life he clocked in at Lone Star Cement Corporation, working as an industrial mechanic. And after two decades of loyal service, they let him go.

“The company did like companies do,” my grandmother, Marionette Butts, said over the phone, in an impromptu interview. Whether the jobs went overseas or just disappeared, John Arthur Butts found himself in a bind.

“Here he was 50 years

John Arthur Butts is fondly remembered as a Virginia business man with a mind for creative entrepreneurship, even in the face of familiar challenges.

old, having to start again–start anew,” she said. Then came an idea.

“He always loved the yard and people would always ask ‘Who did your yard?’” my grandmother recalled. The question then became why not make money doing what he lovedcreative landscaping?

“If I knew I could make a living like thisa better livingI would have left that job 20 years ago.”

“He thought he would try,” she said. “He thought he would start it part time and have a regular job, but he hated it. He was so unhappy- really.”

“He so hated it, he came to me and said ‘I don’t want to do this,’ and I said ‘Either you’re going to walk by faith or walk by sight.”

So, John Arthur Butts, like many smart men before him, listened to his wife and decided to do the former. By the time I came along, he was known throughout the Tidewater area in Virginia as a craftsman that could make magic with a bit of dirt, a selection of flower seeds and a lawn mower. He routinely received recognition and awards for the designs he created in his yard and the outdoor spaces he curated through his business, Nature’s Green.

But the journey to successful entrepreneurship wasn’t all roses. Along the way there was a trash collection service, Stubb’s (Butts spelled backwards), and other business ventures with less than favorable results.

“Before Stubb’s, he and three of his brothers had a canteen truck and an ice cream truck. That was the first entrepreneurial endeavor I knew from my father,” said my uncle, Sohn Butts. “It ran for about two or three years. I remember

it was parked at the house because I used to beg them to let me onto the truck.”

Eventually, with consistency and quality customer service, my grandfather rose to become a successful business owner and passed his landscaping skills down to my uncles. I’ve watched as they have used the landscaping and construction lessons my grandfather taught to survive and even thrive in adulthood. Both are entrepreneurs to this day, while also holding down careers related to education.

“There is always a way to put yourself to work–meaning, everyone has skills that can become a business,” said Sohn Butts, when asked what his father taught him about being an entrepreneur. “What can you do? And how do other people need it or benefit from it?”

My grandfather died on Nov. 12, 2008. He lived a good life. Still, when I drive through Norfolk’s industrial area, I can’t help but think of him slaving in a cement plant for 25 years, stifling the God-given talent and creativity that lie within because it seemed more secure– until it wasn’t. Then I remember his words to my grandmother, spoken on the other side of his giant leap of faith:

“If I knew I could make a living like this- a better living- I would have left that job 20 years ago.”

This National Black Business Month, I encourage aspiring Black business owners everywhere to create a plan, evaluate the risks and take the first step toward entrepreneurship. Maybe that means attending a networking event, a workshop for Black entrepreneurs or a seminar to learn the basics of business. If you are on the fence about striking out on your own, don’t let fear of the unknown hinder you! Study, prepare and see what opportunities are available today. The generations behind you are depending on it!

This National Black Business Month, AFRO Managing Editor Alexis Taylor speaks on the first Black business owner she ever met, her grandfather, John Arthur Butts. AFRO Photo / Alexis Taylor

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From the publisher’s desk: Never despise small beginnings

By Frances Murphy “Toni” Draper AFRO CEO and Publisher

I have been an entrepreneur for most of my life. My foray into business did not begin when I was elected president of the AFRO-American Newspaper in the mid-1980s. In fact, my entrepreneurial career began at the ripe old age of nine, when I passionately sold the most Girl Scout Cookies in my troop. It continued with the help of my brother, Jimmy, as we developed a robust AFRO paper route in our Hanlon Park neighborhood when I was 12. We were quite the partnership—he threw the papers on the porch, and I collected the money. Of course, we counted it together every week, put aside the cost of the papers and split the profit. It was a lucrative business for a pair of siblings who had not yet reached their teen years. Eventually, we “outgrew” our paper route, but my interest in business did not wane.

When I was in high school, my cousin Betty, her neighbor Adrian and I decided to join Junior Achievement (JA). I don’t even remember how we found out about Junior Achievement, but there we were, three Black teens from Bentalou Street in West Baltimore, traveling nearly

five miles every week to Harford Road in Northeast Baltimore on a Tuesday night to learn about business and entrepreneurship. I still remember our first JA meeting when the three of us walked into the room. You could hear a pin drop. We were the only Black students there, and we didn’t know whether to sit down in the hard wooden chairs or run back to Adrian’s well-worn station wagon as fast as we could. After all, this was Harford Road in the mid1960s. We chose the latter[1] [2][3] and remained active JA participants for two or three years.

Much to our delight and surprise, we were warmly welcomed into the group. Most of the other teens were friendly, and the adult leaders encouraged us to participate fully. We were taught about money management, banking and credit, investing, starting a business, branding and marketing. Most of all, we were encouraged to think creatively and develop new ideas. But it wasn’t all classroom learning. Each of us had to formulate a business plan for a new product or service. I don’t remember what Betty or Adrian came up with, but I decided to make name bracelets—taking individual letters, stringing them together to make someone’s name,

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AFRO CEO and Publisher

Dr. Frances Murphy “Toni” Draper speaks on the beauty of small beginnings when it comes to the entrepreneurship path.

and then selling them. We also learned about principled leadership and business ethics–and we were only 16!

As we grew our understanding of the business world, the Junior Achievement mentors also held a speaking contest, which was a highlight

for me. Now, some may wonder what that had to do with business, but for me, it was transformative. I had participated in a declamation contest in junior high school (yes, it was called junior high), but for the most part, I shied away from the public speaking spotlight. But here I was, all the way in Northeast Baltimore, learning about entrepreneurship, sales and public speaking. Each of us had to talk about our product, our pricing strategy, our sales, our customer base and how we planned to make a profit. We had five to seven minutes to convince the “audience” that our product was the best. My fellow Junior Achievers had all kinds of interesting and innovative products, and I had name bracelets, which –to me– paled in comparison. Well, I thought, if my grandfather could “sell ice to an Eskimo,” as he claimed, then surely, I could sell beautiful, one-ofa-kind, economical, colorful name bracelets to my fellow Junior Achievers. And sell I

did! In exactly six and a half minutes, I made bracelets sound like the best thing since sliced bread. I won the contest, which earned me a trip to the regional competition. I didn’t win the regional competition, but I learned a valuable lesson about business: When you have a good product or service that meets a perceived want or need, confidently presenting yourself and your company is crucial. So, I not only won the contest, but nearly every person in the room purchased bracelets.

Like many organizations founded in the early 20th century, JA was not always diverse, especially in its early years. Initially, the organization catered predominantly to White youth, reflecting the broader social and racial dynamics of the time. The integration of Black teens into Junior Achievement programs occurred gradually, largely in response to the Civil Rights Movement and changing societal norms in the United States. The inclusion of Black

teens in Junior Achievement began to take shape more significantly in the 1960s and 1970s, as the organization sought to become more inclusive and reflective of the diverse communities it served. JA helped me develop my love for business and understand the power of entrepreneurship. As James Bridgforth notes on page A4 of this edition, “The narrative of African American economic power is often overlooked or underestimated, overshadowed by persistent disparities and historical injustices. However, to truly grasp the impact and potential of this economic force, one must recognize its depth and breadth across various sectors—from entrepreneurship and consumer spending to workforce participation and investment.” This August, as we celebrate National Black Business Month, we continue to highlight the contributions of Black-owned businesses to the economy and our role in promoting equity and diversity.

Baltimore leaders speak on empowering the next generation of entrepreneurs

By Tashi McQueen AFRO Staff Writer tmcqueen@afro.com

Baltimore is home to a number of local businesses and organizations providing opportunities and supporting those within the community.

While many programs are geared towards adults, leaders and organizations around the city are taking the time to pour into Baltimore’s young entrepreneurs– especially when it comes to arts and agriculture.

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“The arts [have] a thriving community here in Baltimore, and allows our young people different opportunities to express themselves,” said Jamye Wooten, founder of CLLCTIVLY. “When you spend time with young people you’ll realize they have their own ideas and genius. It’s important to put them at the center of the process and help them with whatever resources they may need.”

CLLCTIVLY is a social change organization focused on fostering Black intelligence, mobilizing resources and funding other Black social change entities.

Wooten said his organization supports young entrepreneurs through funding opportunities.

Through the Black Futures MicroGrant, CLLCTIVLY has given over $1 million since 2019 to an array of Blackled businesses, with grants ranging from $500-$25,000.

“Often youth organizations are competing for the same resources,” said Wooten. “We allow them to see each other as resources and begin to partner and collaborate to build a greater capacity within youth-serving organizations.”

In addition to CLLCTIVLY, organizations like the Black Church Food Security Network and Joy Baltimore are also supporting young entrepreneurs on their journey. Read below to understand the work they are doing with youth entrepreneurs throughout Charm City.

Black Church Food Security Network

The Black Church Food Security Network is an organization of Black churches promoting health, power and prosperity within the Black community.

“Our organization provides internships, volunteer opportunities and other kinds of strategic partnerships for younger people who have an interest in agriculture and food justice,” said Rev. Heber Brown III, founder and executive director of the Black Church Food Security Network. “We also do workshops to help young people learn about farming.”

Brown said his organization also teaches young people about the intersection of farming and AfricanAmerican history.

“We have a lot of rich heritage and history when it comes to farming and food,” said Brown. “Unfortunately, this is not something that is regularly introduced to young people in schools.”

Brown said entrepreneurs in the agricultural space have long been an integral part of making change in the Black community- especially while working with young people during the Civil Rights Movement.

“Young college students and activists went down South to organize as a part of Freedom Summer. Sometimes they would get arrested for participating in civil disobedience,” said Brown. “Many times it was Black farmers who bailed them out. Farmers could put up their property to help bail somebody out of jail.”

Still today, Black farmers and people in the agricultural space like Brown are helping younger generations and providing opportunities for them.

One young entrepreneur who has benefited from the support of the Black Church Food Security Network is Naima Winston, 16.

Winston has a baking business called Cocina Naima, which is based in Baltimore. She started the baking business in December 2019 after appearing on season eight of the “Kids Baking Championship” on the Food Network.

“My mom and I found out about the Black Church Food Security Network and the farmer’s market they held after church,” said Winston. “Once I opened my business I was able to sell my baked goods. A lot of people, every week, would look forward to eating my baked goods.”

She said the opportunity the Black Church Food Security Network provided and the support of the buyers kept her motivated to keep going and participate in more events.

Cocina Naima offers all types of baked goods such as cupcakes, donuts, french macarons and parfaits.

J.O.Y Baltimore

J.O.Y (Just Our Youth) Baltimore is a grassroots organization aimed at connecting children who are experiencing homelessness with support while working to put an end to youth homelessness. One of the ways it supports Baltimore youth is by helping them start businesses.

“We get a lot of youth who want to be actors and rappers,” said Lonnie Walker, founder and CEO of JOY Baltimore. “What we do is connect them to people who are already doing the work.”

JOY Baltimore has worked in partnership with organizations such as Baltimore Center Stage, a performing arts theater, and introduced youths to celebrity makeup artists and local musicians.

“Over the last ten years, we’ve had 15 people who have become successful in entertainment,” said Walker.

Photo courtesy of Rev. Heber Brown III

Rev. Heber Brown III, founder and executive director of the Black Church Food Security Network, speaks on how his organization works to empower young entrepreneurs.

Photo courtesy of Jamye Wooten

Jamye Wooten, founder of CLLCTIVLY, discusses how his Black philanthropic organization assists young entrepreneurs and youth-serving organizations in Baltimore.

Photo courtesy of Lonnie Walker

Lonnie Walker, founder and CEO of J.O.Y (Just Our Youth) Baltimore, lays out how his nonprofit supports and inspires youth, their interests and entrepreneurial ideas.

COMMENTARY

Harnessing the economic power of the Black community

By James Bridgforth

In the intricate tapestry of the American economy, one thread stands out not only for its resilience but also for its potential to drive significant economic growth and social change. That thread is the African American economy — a force that not only supports its community but also bolsters the broader economic fabric of the United States.

The narrative of African American economic power is often overlooked or underestimated, overshadowed by persistent disparities and historical injustices. However, to truly grasp the impact and potential of this economic force, one must recognize its depth and breadth across various sectors — from entrepreneurship and consumer spending to workforce participation and investment.

African Americans represent a substantial consumer base in the United States, wielding immense purchasing power that influences industries ranging from fashion and entertainment to technology and healthcare.

According to a report by Nielsen, Black consumers collectively have a buying power projected to reach $1.8 trillion by the end of 2024. This economic influence extends beyond mere consumption; it shapes market trends, influences

product development, and drives innovation.

Moreover, the entrepreneurial spirit within the African American community is a cornerstone of economic vitality. Historically, Blackowned businesses have played a pivotal role in local economies, fostering job creation, community development, and economic empowerment.

Today, Black entrepreneurs continue to launch enterprises at a higher rate than the national average, contributing to economic diversity and resilience.

Investments in education and skills development further amplify the economic impact of African Americans.

As more individuals from this community pursue higher education and specialized training, African Americans contribute to a skilled workforce that drives productivity and innovation across industries.

The growing African American presence in professions such as law, medicine, academia, and technology not only enhance these fields but also advance the nation’s overall economic competitiveness.

Furthermore, the economic influence of African Americans extends beyond domestic borders. In an increasingly globalized economy, cultural exports from the Black

Dr. James Bridgeforth holds a Ph.D. from the University of Southern Mississippi. He has served as an adjunct professor at Virginia Tech, the University of South Alabama, the University of Southern Mississippi and Westfield State University. This week, Dr. Bridgeforth speaks on the economic power of the Black community.

community — including music, art, fashion, and entertainment — have garnered international acclaim and economic success.

These exports not only generate revenue but also promote American cultural influence worldwide, further solidifying the economic footprint of African Americans.

Despite these achievements, challenges persist. Structural barriers, systemic inequalities, and disparities in access to capital continue to hinder the

full realization of African American economic potential. Addressing these challenges requires concerted efforts from policymakers, business leaders, and the broader community to foster an inclusive economy where all individuals can thrive.

To harness the full economic power of the African American community, strategic initiatives are essential. These include: Promoting Entrepreneurship and Business Development: Enhancing access to capital,

mentorship programs, and networking opportunities for Black entrepreneurs can foster a thriving ecosystem of businesses that drive economic growth and job creation.

Investing in Education and Skills Training: Increasing access to quality education, vocational training, and STEM programs can equip African Americans with the skills needed to excel in a rapidly evolving economy and fill critical gaps in the labor market.

Advancing Financial Inclusion and Wealth Building: Encouraging financial literacy, homeownership programs, and equitable access to banking and investment services can empower African Americans to build generational wealth and economic stability.

Fostering Inclusive Corporate Practices: Promoting diversity, equity, and inclusion within corporate environments can create pathways for African Americans to advance professionally, contribute to innovation, and drive corporate profitability.

Supporting Cultural and Creative Industries: Investing in Black-owned media, arts, and entertainment ventures can amplify diverse voices, celebrate cultural heritage, and stimulate economic growth through creative expression.

In conclusion, the economic

power of the African American community is a formidable force that secures the financial outlook for the nation. Moreover, by leveraging this power through strategic investments, inclusive policies, and collective action, we can unleash untapped potential, drive sustainable economic growth, and create a more prosperous future for all Americans.

As we celebrate our achievements of African Americans and honor the many contributions to the nation’s economic landscape, let us also commit to building a more equitable and inclusive society—one where every individual, regardless of race or background, has the opportunity to thrive and contribute to the collective prosperity of our great nation.

By embracing diversity and harnessing the economic power of the African American community, we not only strengthen our economy but also uphold the principles of justice, equality, and opportunity upon which America was founded. Together, let us forge a path towards a brighter, more inclusive future where every individual has the chance to achieve the American dream.

This article was originally published by Word in Black.

Our tax code rewards corporate price gouging– next year, we can change that

By Rakeen Mabud

Next year, we’ll have to make one of the most important decisions about the future of our economy. Will we hand more power and wealth to big corporations and the rich — or invest in a healthy and resilient economy that works for all of us?

In 2017, Republican lawmakers passed tax loopholes and cuts that primarily benefited the wealthy and big corporations. President Trump signed these giveaways into law, spiking inequality and setting off a wave of corporate profiteering.

Next year, parts of that law will begin to expire, which gives us the opportunity to make changes.

For decades, both parties have created an economy where big corporations and the wealthy

aren’t pitching in like the rest of us. We’ve been sold a bill of goods known as “trickle down” economics. Trickle down goes like this: Feed the rich the best cut of meat and maybe we’ll get a bit of gristle that falls on the floor — and we’ll thank them for it.

The rich and most profitable corporations aren’t just contributing less and less to our collective coffers. They’re using their power to enrich themselves further while more of us struggle. Senator Elizabeth Warren recently described this as a “doom loop” for our tax code: the wealthy and corporations get richer from tax giveaways and then use their wealth and power to boost their profits — and then lobby for more tax cuts.

For example, the 2017 Trump tax cuts dropped the top corporate tax rate to 21 percent from 35

percent (compared to 40 percent in 1987). Supporters argued this would lead to better wages and supercharge economic growth. Instead, economic growth continued at about the same pace as before the tax breaks. And while 90 percent of workers did not see a raise, billionaire wealth has doubled.

In the same period in which corporations have enjoyed lower taxes, they’ve also raked in record profits. As my colleagues at Groundwork

Collaborative have highlighted, lowering corporate tax rates actually incentivized corporate profiteering in the wake of the pandemic, as companies that overcharged us got to keep more of their winnings. Trickle down theory says these windfall profits and lower taxes should encourage

companies to invest more in workers and innovation. But in an economy run by big corporations with enormous market share, that money ends up being funneled to shareholders instead of increasing worker wages, investing in new or more productive technologies, or holding critical inventories in case of a crisis.

If we want corporations to invest more in wages and productive investments, we should raise their taxes, since wages and research are mostly tax deductible.

In other words, corporate profiteering is not a foregone conclusion. Raising corporate taxes has the potential to boost investment, productivity, and economic growth — and get Americans some of their money back.

The Biden administration has taken critical steps to push back against failed trickle down economics and corporate profiteering. It capped the price of essential drugs like insulin, empowered regulators to go after corporations abusing their market power, and made historic investments in a green future. But more can be done by raising taxes on the largest, most profitable corporations.

Fundamentally, the coming tax debate is about who holds the reins in shaping our economy: megacorporations and their wealthy shareholders, or the everyday people who keep the economy humming. Next year is an opportunity for Congress to stand firm against the rich and powerful and build the economy that we want to see.

Finding the right balance: Addressing organized retail theft while upholding civil liberties

By Assemblymember Tina McKinnor

Organized retail theft is a significant issue that impacts both consumers and businesses.

While it is crucial to address theft and protect businesses from losses, we should also be mindful of safeguarding individuals’ constitutional rights, particularly the right to due process. AB 1990 by Assemblymember Wendy Carrillo, also known as the STOP Act, raises concerns about the balance between addressing theft effectively and ensuring civil liberties are upheld. This bill allows law enforcement officers to make warrantless arrests for shoplifting offenses not witnessed by the officer, as long as there is reasonable cause to believe the individual committed the crime. This bill has a dangerous potential for overreach and infringes on civil liberties, particularly the right to due process. While the stated intention behind the STOP Act is to combat organized retail theft and protect businesses, there are valid concerns that this bill is an

overreach and that existing law works, if properly enforced by our partners in law enforcement.

A petty theft involving property stolen valued at $950 or less may be charged as a felony or misdemeanor (called a wobbler) if the offender has the following prior convictions: 1) at least on prior petty or theft-related conviction for which a term of imprisonment was served, and 2) a prior conviction for a serious or violent offense, for any registerable sex offense, or for embezzlement from a dependent adult or anyone over the age of 65. A misdemeanor can result in a sentence of up to one year in jail, whereas a felon can mean incarceration for 16 months, two years or three years. Let’s look at shoplifting in California. It occurs when a suspect enters a store, while that establishment is open, intending to steal property worth less than $950. The crime is considered a misdemeanor, punishable by up to six months in the county jail.

Granting officers the authority to arrest individuals

based on reasonable cause, without witnessing the crime firsthand, can lead to negative consequences and possible violations of individual rights.

Probable cause is the legal standard by which police authorities have reason to obtain a warrant for the arrest of a suspected criminal and for the courts to issue a search warrant. A grand jury uses the probable cause standard to determine whether or not to issue a criminal indictment. The principle behind the probable cause standard is to limit the power of authorities to conduct unlawful search and seizure of a person or its property, and to promote formal, forensic procedures for gathering lawful evidence for the prosecution of the arrested criminal.

Reasonable cause does not require any of this due process and only requires that an officer reasonably believes that a crime has been committed. It is essential to find a middle ground that effectively addresses organized retail theft without compromising the fundamental rights of individuals.

California’s current laws, including the use of witness statements and surveillance evidence are sufficient for addressing suspected shoplifting and organized retail theft.

California Attorney General Rob Bonta recently prosecuted Michelle Mack, a suspected organized smash and grab ringleader who paid twelve women to travel around California and commit over $8 million in retail theft at 21 different stores. AG Bonta used California’s current laws to have the suspect arrested and brought to justice.

The State of California is also making significant investments to address retail theft. Just this past year California invested an additional $267 million to combat organized retail theft. It has been less than a year and our law enforcement partners should have the opportunity to address this recent spike in retail theft crime.

Los Angeles County recently applied for and received a grant for the State of California for $15.6 million dollars to address retail theft enforcement.

LA District Attorney George Gascon also recently formed an organized retail task force that partners with LA County Sheriff’s Department, Glendale, Beverly Hills, Burbank, Torrance and Santa Monica Police Departments to integrate their response to retail theft across the region. These collaborative efforts, such as those seen in initiatives like the organized retail task force in LA County, demonstrate the importance of a united approach to tackling theft while maintaining a balance between enforcement and civil liberties.

As we move forward, it is essential for policymakers, law enforcement agencies, businesses and communities to work together in finding solutions that effectively address organized retail theft without encroaching on individual rights. Ongoing evaluation and a commitment to thoughtful consideration will be crucial in navigating this challenge and fostering a safe and prosperous environment for all. Balancing the scales of justice to protect businesses while upholding civil liberties

Dr. Rakeen Mabud is the chief economist and a senior fellow at the Groundwork Collaborative. This week she discusses current tax code law and corporate price gouging.

Courtesy photo

Photo courtesy of Virginia Tech

Assemblymember Tina McKinnor (D-Inglewood) represents the 61st District in Los Angeles County, Calif., which includes parts of the South Bay, Inglewood, Hawthorne and Lawndale.

Courtesy photo

Hello Alice expands Boost Camps and accelerators for entrepreneurs

By Megan Sayles AFRO Business Writer msayles@afro.com

Hello Alice, a fintech platform serving over 1.5 million small business owners, is providing more opportunities for entrepreneurs across the country to scale their enterprises. The company announced July 23 that it would expand its small business accelerators and Boost Camp programs in 2024.

The Boost Camps, created in 2023, were designed to empower entrepreneurs with training and skill development to expedite the growth of their businesses. They also supply owners with a network of entrepreneurial peers for ongoing support.

“One of the greatest values that comes out of the Boost Camps is the connectivity to peers who are going through similar problems,” said Carolyn Rodz, co-founder and CEO of Hello Alice. “It’s one thing to learn from an expert that built a business 10 or 15 years ago. It’s

another to hear from somebody who’s dealing with that issue right now in your industry and at your stage of growth.”

Hello Alice collaborates with the Global Entrepreneurship Network and corporate partners

“It quite literally saved our business.”

to run the Boost Camps.

In 2024, Progressive Insurance, Antares Capital, Wells Fargo and FedEx will lead the programs.

The deadline for Antares Capital and Progressive Insurance’s Boost Camps has already passed. However, Wells Fargo will hold four virtual accelerator programs over the next 18 months. They will focus on business health and credit-building practices, and applications will be open until Aug. 16.

FedEx will also run a Boost Camp coaching program to supply

business owners with funding, resources and networks to streamline the success of their ventures.

The application period

will be announced this fall.

“We are thrilled to witness the remarkable success and growth of

the Boost Camp program initiated by Hello Alice,” said April Britt, director of global citizenship at FedEx, in a July 23 statement. “The impact it has had on small businesses nationwide is truly inspiring. Seeing the tangible improvements in business health and the increased optimism among participants underscores the value of providing tailored mentorship and resources.”

John Griveas, owner of Fetch Gourmet Dog Treats, participated in FedEx’s Boost Camp last year. His business, based in Buffalo, N.Y., manufactures and distributes handcrafted, all-natural dog biscuits, cookies, cakes and treats.

Griveas, and his wife and business partner, Jackie Lovern, discovered Hello Alice during the COVID-19 pandemic. The pair were looking for ways to keep their business going during the financially challenging time.

He said the funding and resources he received

after being selected for the Boost Camp kept them from closing Fetch Gourmet Dog Treats.

“It quite literally saved our business. We were at a point where the facility we were manufacturing out of was getting ready to close, and they were kicking out all of their tenants,” said Griveas. “We had a very short period of time to find a new location. We found one but the issue was the place we were getting kicked out of was about half the cost of the new place.”

The funding enabled the husband and wife to secure the new facility. Griveas said his biggest takeaway from the Boost Camp was that he is not alone.

“The people who you meet and talk to have gone through what you’re struggling with right now,” said Griveas. “They’re able to help you navigate, and, in turn, you are able to do the same for them. You start building relationships that could make a difference in your brand.”

Photo courtesy of Hello Alice

Eric Morrissette speaks on what’s next for the Minority Business Development Agency

By Mae Anderson The Associated Press

In March, a federal judge ruled that the Minority Business Development Agency (MBDA), an organization that has helped thousands of minority-owned businesses over the last 55 years, had to begin serving people regardless of race. The agency has since made adjustments to give help to all businesses owned by socially or economically disadvantaged people in obtaining financing and government contracts.

The Associated Press recently spoke to Eric Morrissette, acting undersecretary of commerce for minority business development and leader of the MBDA, about what comes next for the agency. The interview has been edited for length and clarity.

Q: How did you come to be the acting under secretary of commerce for minority business development?

A: My mom dedicated her life to public service. She worked in New York City public schools for around 20 years. Every Sunday, my sister and I would help her prepare meals for her students, many of whom didn’t have enough to eat at home. I was inspired by my mother’s selflessness and service, and it helped me recognize there were families that couldn’t put food on the table. For some of those kids, that was the only meal they were guaranteed each day.

Q: How have you seen the agency make a difference in minority communities and for minority businesses?

A: MBDA’s mission is to help create an economy that gives every American the opportunity to build a successful business. There remains a $6.3 trillion opportunity gap between minority and nonminority-owned firms. If we are to out-compete the rest of the world and have the strongest, most resilient economy, it is in our national interest to close that gap once and for all.

Last year, we helped businesses secure over $5.4 billion in capital and contracts. That is up from $2.9 billion in capital and contracts the year before — a nearly 90 percent increase — and it is in large part thanks to our expansion under the Biden-Harris Administration.

Q: Since the ruling came down, what changes have you had to make? What happens next for the agency?

A: MBDA’s doors are open for business and we will continue to

serve businesses owned and operated by socially or economically disadvantaged individuals, and we get results.

We are working closely with lawyers at the Department of Justice to weigh all of our options, but in compliance with the court’s order, we have updated our website and client engagement form and established new guidance for our Business Center operators, all while working with them to implement necessary changes.

MBDA, the Department of Commerce, and the Biden-Harris Administration are committed to ensuring that all people in all communities have the resources, access and opportunities necessary to succeed. We are going to keep fighting to close the opportunity gap and keep pursuing the mission Congress gave us.

Q: Has the racial and ethnic makeup of who is applying for programs changed significantly, or is it too soon to tell?

A: MBDA Business Center operators have been very supportive of MBDA. They want to know how they can help, they are committed to supporting their communities, and will continue to do extensive outreach to make sure people know that MBDA is there to provide

assistance. To me, that’s the main takeaway while we learn more about how potential clients and Business Centers adapt to any changes.

Something that has been really motivating to me has been the impact of our Business Centers. Our Missouri Business Center played a major role in helping Kingsway Development secure $62 million in financing to purchase a major residential development at the center of the historically redlined district north of the Delmar Divide in St. Louis. Along with helping to uplift the historically underserved neighborhood, the project is expected to create and retain over 300 jobs.

Q: Is there anything you feel like people misunderstand about the agency or the ruling?

A: Ensuring every American has the opportunity to build a successful business is critical to bridging the gap between what America is and what America can and should be.

MBDA was founded in 1969 by President Nixon and permanently reauthorized by a bipartisan coalition of lawmakers in 2021. It has historically enjoyed bipartisan support. Challenging the constitutionality of this organization questions the value of equal opportunity itself, which is incredibly frustrating and hurtful.

The work we do at MBDA benefits the entire country, not just the individual businesses we serve. When minority business enterprises succeed, our nation succeeds. Our work creating opportunities is not a zero-sum game. It is not about diminishing opportunities for some to give to others.

This work is about expansion. It is about creating a bigger pie with more slices. If the United States closes the opportunity gap between minority and non-minority firms, we would add an estimated $6.3 trillion and 20 million jobs to our economy. That benefits everybody, and it makes our country and our economy stronger.

Q: What do you want people that seek out services at the MBDA to know?

A: I want to make clear that MBDA is open for business. We are going to continue providing the services that have made MBDA a reliable business resource for business owners from all backgrounds for more than five decades. We help businesses overcome the greatest challenges minority business enterprises face, which is access, including access to capital, contracts, networks and markets.

This article was originally published by The Associated Press.

Eric Morrissette shares next steps for the Minority Business Development Agency.

Photo courtesy of X (Twitter) / Eric Morrissette

Morgan State University’s College of Interdisciplinary and Continuing Studies: Empowering Adult Learners to Achieve Their Dreams

For many adults in Baltimore and beyond, returning to college is not just an educational pursuit—it’s a transformative step toward new career opportunities and personal growth. Morgan State University’s College of Interdisciplinary and Continuing Studies (CICS) is dedicated to making that journey as smooth, supportive, and successful as possible.

Launched in 2021, CICS offers 18 diverse degree programs across undergraduate, master’s, and doctoral levels. These programs are specifically designed for nontraditional students, working professionals, and those seeking flexible education options. Whether you’re looking to advance in your current career or pivot to a new one, CICS provides the academic foundation and support needed to help you achieve your goals.

Why Choose CICS?

What sets CICS apart is its unwavering commitment to personalized student support. From the moment you express interest in returning to school, you are treated as an individual. CICS’s dedicated staff works one-on-one with each student, offering tailored guidance and assistance from application through to graduation. This relationship-focused approach is central to the college’s mission and a key reason why our students succeed.

“Our goal is to meet students where they are and help them succeed on their own terms,” says Laquetta Bryant, Senior Admissions Recruitment Advisor. “We

understand that adult learners face unique challenges, so we offer flexible course schedules, including hybrid, remote, evening, and weekend classes. Our programs are designed to fit into your life, not the other way around.”

crafted to equip students with the skills and knowledge needed to excel in today’s competitive job market.

For students balancing work and study, CICS offers a generous transfer credit policy, allowing up to 90 credits from regionally accredited institutions to be transferred.

Academic Excellence for the Modern World

CICS’s programs span a wide range of fields, including Technology Services, Health and Human Sciences, Engineering, and Information and Computational Sciences. These programs are carefully

Additionally, students currently employed can convert their work experience into academic credits, saving time and money on their path to graduation.

Breaking Barriers to Education

CICS is committed to making higher

education accessible to all. To ease the financial burden of applying, the college has eliminated the application fee, ensuring that everyone has the opportunity to pursue their educational dreams. The application for the Spring 2024 semester is now live, giving prospective students ample time to apply and prepare for their academic journey.

Join a Community Committed to Your Success

At CICS, your future is within reach. Whether you’re returning to school to complete your degree or starting a new academic chapter, CICS is here to support you every step of the way. Join a community that values your unique experiences and is dedicated to helping you succeed.

For more information and to schedule a one-on-one meeting with an admissions counselor, visit morgan.edu/CICS. Don’t miss out on this opportunity to transform your life through education.

Apply today and join a community committed to your success.

Contact Information

Morgan State University - College of Interdisciplinary and Continuing Studies

Website: morgan.edu/CICS

Email: mcy@morgan.edu

Phone: 443-885-4779

No Application Fee!

Sponsored Content

What Every Business Needs To Know About Payments Fraud

As the owner of a small business, Joan wears many hats – from innovator to publicist to accountant. To bring her vision to life, she regularly collaborates with a network of vendors, with email often serving as the primary channel for communications.

So, when Joan received a call from a longtime vendor about a missed payment for a recent order – a sizable payment Joan was certain she had paid several weeks earlier – her heart sank.

After cross-checking her bank statement with email correspondence to confirm she had remitted payment, Joan and the vendor arrived at the awful realization that a fraudster, posing as the vendor, had stealthily intercepted previous email correspondence between the vendor and Joan before sending Joan an invoice with new wiring instructions, which she dutifully followed.

In this case, Joan’s story is fictional, but her situation is not. Instances of fraud – and business email compromise, specifically – are playing out with increasing frequency.

As businesses of all types continue to innovate for scale and efficiency, fraudsters are fast-tracking their own capabilities with elevated sophistication and impact. Small businesses remain particularly vulnerable to fraud due to the likelihood of having fewer fraud prevention restrictions, controls and processes in place than larger organizations.

The 5 e’s: A checklisT of besT prAcTices for prevenTing pAymenTs frAud

Establish policies and procedures for payment and vendor management.

Require independent verification with the requestor and secondary approval for payment requests and instruction changes. Implement controls your financial institution offers.

Enforce the standards you’ve established.

Make sure that your company executives support and agree to follow the abovereferenced policies and procedures.

Educate your employees to recognize the warning signs.

Ensure employees know the characteristics of business email compromise, account takeovers and phishing attempts, understand and follow cyber best practices and smart social media usage habits.

Empower your employees to raise red flags.

Allow employees to question emails or payment requests, especially if they appear to come from company executives directly.

Evolve and enhance your risk controls to meet ever-changing threats.

Stay informed, leverage your banking relationships and network with other professionals.

According to a recent survey, a staggering 80% of organizations surveyed reported being the targets of actual or attempted fraud attacks in 2023 – up from 65% in 2022. And 63% of businesses reported experiencing some form of business email compromise in 2023. Additionally, fewer than 60% of organizations have developed the written policies and procedures necessary to limit exposure to business email compromise attacks and minimize the impact of fraud.

The scenario that befell Joan provides a teachable moment for any employee who plays a role in managing cash flow and payments on behalf of an organization. What could Joan have done differently to avoid falling prey to a fraudster who impersonated

her vendor? It’s important to never rely on email as the only communication method when transacting a payment. The importance of picking up the phone and speaking with a known vendor to verify payment requests cannot be overstated.

PNC encourages small business clients not to share their account numbers with vendors – because if a vendor is hacked, the

account number becomes compromised and fair game for fraudsters. One option that small businesses can consider is using an encrypted account number, which prevents businesses from having to share their true account number. If the encrypted number is compromised, it is useless to fraudsters. While the stakes for preventing and mitigating fraud have never been greater or more complex, we are committed to delivering the full scope of PNC’s insights and fraud mitigation solutions to help small businesses protect themselves from various forms of fraud.

A small business owner’s guide to starting a 401(k) plan

By Dom DiFurio

As a small business owner, planning for employees’ retirement may sound daunting, but it doesn’t have to be. To help demystify the process, Guideline compiled this list of introductory tips about 401(k) plans for small business owners using information from a variety of sources, including the IRS and the Department of Labor. There are many different approaches to create a 401(k) plan that fits a company, and while there is no one size fits all approach, this beginners’ guide can help business owners begin to explore options.

Whether it’s a traditional 401(k), a profit-sharing plan, or another retirement plan altogether, defined-contribution plans can provide your workers with more peace of mind about their futures. In fact, some states like Oregon, Illinois, and California have passed legislation requiring employers to allow paycheck deductions for retirement savings.

A 401(k) may be one of the simplest ways to differentiate your job benefits from peer companies in today’s tight labor market. There are nearly twice as many openings as there are workers looking for jobs, according to July 2022 data from the Labor Department’s Job Openings and Labor Turnover Survey, so making your company’s benefits more appealing can help with recruitment.

As of 2021, nearly 63 percent of U.S. households— which represents about 82 million Americans of all ages—had either an employer-sponsored retirement plan or IRA. And when it comes to small businesses, 58 percent of workers at companies with fewer than 100 employees have access to retirement benefits, per March 2021 data from the U.S. Bureau of Labor Statistics. These plans held assets totaling around $7.3 trillion in the first quarter of 2022, according to data from the Investment Company Institute.

This guide can help small business owners take part in boosting the ratio of Americans with access to retirement benefits—because planning ahead is good for business, workers, and the U.S. economy.

Types of 401(k) plans

A traditional 401(k) plan gives employees the option to regularly defer a portion of their pre-tax earnings to an account that invests that cash based on parameters they set. The employer can choose to contribute a set amount to plan participants’ retirement accounts or match a percentage of participants’ contributions. A profit-sharing retirement plan also allows the employer to adjust contributions annually depending on business performance.

Those investments grow over many years or until the worker surpasses the age of 59 ½. At this age, an account holder can make withdrawals from the account without penalty—however, any withdrawals from a traditional 401(k) are taxed similar to income.

It’s important to keep in mind, however, that there are more options besides the traditional 401(k).

A Roth 401(k) plan allows an employee to contribute a percentage of after-tax earnings. When withdrawals are made after age 59 ½, they are tax-free.

A profit-sharing 401(k) allows employees to defer a portion of their earnings and make retirement contributions, while also giving employers the ability to contribute to employees’ plans each year, including the ability to make large contributions.

A safe harbor 401(k) requires a minimum 3 percent contribution to all participants, or specified matching contributions of at least 4 percent from employers. This type of plan allows employers to pass most mandatory nondiscrimination testing, which would otherwise need to be completed annually to ensure fairness and equity in the company’s benefit programs.

And an automatic enrollment 401(k) plan operates the way it sounds—automatically enrolling every employee once they become eligible in a plan. It defers a set percentage of their paycheck into their 401(k) plan for each pay period. Employees who don’t opt-out can reduce their annual income for potential tax benefits while also growing a retirement nest egg. These savings can grow even faster if an employer offers a matching contribution.

What to consider when setting up a 401(k) plan

After deciding which 401(k) plan is best for your business, it’s time to set it up. The exact list of required documentation can vary depending on the business and plan chosen, but some of the items include a written plan document that outlines the plan itself, a trust to hold the plan’s assets, a system for keeping plan records, and informational resources for employees eligible to participate. How a business owner decides to roll these out depends on whether you choose to tackle it more hands-on or with professionals.

Financial advisors, institutions, and consultants can be hired to assist with these steps or carry out much of the process for you. Financial institutions often offer paid services to keep track of companies’ 401(k) plans, participants, investments, and distributions, but it can also be handled by the same party administering the plan. Proper record-keeping will be beneficial when the company files retirement plan documents with the IRS each year.

Employers are required to give employees what is called a summary plan description, which outlines the inner workings of the plan, any potential employer matching, and other essential plan details. An employer can also provide information regarding why they chose a specific retirement plan for employees and the perceived benefit over other types.

How to pick a service provider

With operating a retirement account comes fiduciary responsibility and, of course, potential liability.

Employers who wish to limit their liability sometimes opt to hire a service provider to handle operations. It’s worth noting, however, that bringing on a service provider doesn’t necessarily free the company from all liability.

When choosing a 401(k) service provider, the federal government recommends first considering the firm’s partners, financial stability, and assets already under management.

The company should also understand how the service provider conducts business. Your small business should be asking itself and prospective service providers: Will the firm handle selecting and managing investment for the assets in the plan? How? Who are the professionals handling the plan? Have they been the subject of any recent litigation? Has the firm?

It’s also recommended that a company keep tabs on the financial institution or retirement benefit professional hired over the lifetime of the contract.

What to report to the government

One of the most advantageous aspects of setting up a 401(k) retirement plan for employees is the fact that company contributions are tax-deductible from business income. And of course, the money that sits in these plans can grow with a deferred tax burden.

But a company is still expected to report some things to the government through an IRS document called Form 5500. Businesses with fewer than 100 employees enrolled in a 401(k) plan are required to file a Form 5500SF, specifically. You’ll be required to share some basic information about your plan and how many people use it, as well as details about the plan’s assets, liabilities, and income. If the plan for your small business only has one person enrolled, the company should file a Form 5500EZ.

Some employers will also have to undergo annual

testing of their plan to ensure it isn’t favoring employees with higher compensations nor discriminating against employees with lower incomes. The IRS provides a handy checklist for keeping your plan in compliance.

Terminating a 401(k) plan

Need to terminate your 401(k) plan? Retirement plans are intended to be set up and run in perpetuity, but there are times when a business may need to end its plan.

The company will need to prepare for this by amending its current 401(k) plan. Companies should establish a date by which they want to end the plan, stop all contributions, give all account holders affected by the plan’s termination full vesting benefits, and make sure the company can distribute all of the plan’s benefits to participants within a year of the termination date, according to the IRS. Importantly, don’t forget to notify participants about the plan’s termination.

Any outstanding amounts you are obligated to contribute under the plan must be paid prior to termination. You should also be sure to provide notice to affected participants about what to expect should they choose to roll their accounts over to another type of retirement account, such as an IRA.

This article was originally published by Stacker Studios.

Retirement planning is crucial for business owners looking to leave the workforce in their later years with financial security.

Unsplash / Towfiqu barbhuiya

How to spot online payment scams aimed at business owners

By Dennis Pederson

When it comes to online shopping, customers aren’t the only ones who can fall victim to scams. Whether you run your own full-time business or are making some extra cash through a summer side hustle, it’s important to be aware of how scams can target sellers as well – and what to do if you’re affected.

In fact, according to Business Wire, there was a 71 percent increase in payment fraud attempts on US businesses in 2023 – a statistic that highlights how important it is for online sellers to remain wary of practices that could undermine their services and cause financial damage.

With that in mind, read through the list below of common payment scams that online sellers should be aware of and how to respond in the unlucky event of experiencing them.

Phishing scams

Phishing scams are where criminals try to trick people into sharing their sensitive information, such as credit card details and passwords. They typically do this by sending fake texts or emails which direct to a third-party website that resembles a legitimate business. After clicking on the link, users are encouraged to enter their personal information.

Phishing doesn’t just hurt customers; businesses are often targeted, which can compromise the privacy and security of consumers and stakeholders. They can cause financial and data losses and cause the public to lose trust in the company, leading to a damaged reputation and

“Phishing doesn’t just hurt customers; businesses are often targeted, which can compromise the privacy and security of consumers and stakeholders.”

further monetary loss. To spot phishing scams, it’s important that sellers educate themselves on phishing red flags and regularly train their employees to spot them. These can include unexpected requests for personal information, spelling and grammar errors, unknown or suspicious senders and a sense of threat or urgency in the correspondence. Recipients should avoid clicking any unfamiliar websites and downloading attachments they don’t trust.

There are other measures that businesses and sellers can implement to reduce the risk of being hit by phishing scams, such as advanced email filtering tools and thorough assessment of thirdparty communication. It’s also a good idea to limit access to any sensitive data through multi-factor authentication and to always keep digital systems and software up to date.

Each year business owners fall prey to scammers looking to take advantage of entrepreneurs. Read to find out the best way

to avoid losing money in a phishing scheme, via chargeback fraud and more.

Chargeback fraud

Chargeback fraud – also known as friendly fraud – is when a seemingly wellintended customer makes a purchase with their credit card and then disputes the legitimate charge with their bank. These people request a chargeback after receiving their order, typically claiming that they did not receive the item or that the payment was unauthorized in an attempt to receive a refund.

This is different to true fraud, where a third-party bad actor makes a transaction using stolen personal information and the genuine cardholder files a chargeback for an unauthorized purchase – those who commit friendly fraud seem otherwise

trustworthy. These scams can be destructive to internet vendors, who must pay much of the losses when a bank accepts the dispute.

Good communication is key to preventing friendly fraud. It’s important that online businesses put merchant names and transaction details in banking apps to avoid customer confusion and that email confirmations are sent promptly after purchases are made.

Sellers should enable package tracking and delivery updates to ensure that consumers receive their goods. Internet vendors should enforce good customer service and inform recipients of delays. As well as this,

it’s ideal to enact two-factor authentication for payments and verify any suspiciouslooking purchases (e.g. large orders) before shipping.

Return fraud Return fraud is similar to chargeback fraud and occurs when a customer attempts to get a refund by manipulating the seller’s returns process. This might involve returning a different item, claiming the product arrived defective or exploiting the terms of the returns policy. They ask for a refund despite not being legally entitled to one.

These scammers might use the items for a one-off event – for example, a high-end camera to take on holiday or an expensive dress to wear to a wedding. They might return these items claiming that they are unused, thereby flouting the terms and conditions of the returns policy by requesting a refund.

To lower the chance of experiencing return fraud, sellers should develop and share clear, non-negotiable return policies and always follow them while processing returns. For example, items not returned in their original condition, without attached labels or that appear to be used should not be refunded.

Strict checks should be implemented to ensure that customers receive and return the correct item in perfect condition, and measures such as delivery tracking should be introduced to confirm that orders are not lost. It’s also recommended to monitor transactions for unusual activity and suspicious customer patterns.

Merchant fraud

How digital accessibility is good for business

By Paxtyn Merten Stacker Media

As lawmakers raise the bar for accessibility standards online, Americans with disabilities aren’t the only ones who will benefit. Digital accessibility also benefits businesses, boosting revenues and customer satisfaction.

That’s according to a 2023 survey of 1,000 decision-makers and technical/product specialists from U.S. businesses. Respondents widely reported that implementing digital accessibility improved their companies’ performance in major ways—including the bottom line.

Using results from this survey, accessiBe identified the areas where most businesses reported improved performance due to digital accessibility efforts.

Digital or web accessibility, used interchangeably here, refers to creating websites and applications without barriers preventing users with disabilities from using them. Web accessibility guidelines have existed for decades, including alternative text for images, closed captioning on videos/audio, and the ability to navigate a site entirely with a keyboard.

The Americans with Disabilities Act, which protects people with disabilities from discrimination, became a federal law in 1990. Today, that law is widely applied by many U.S. courts to the digital realm. In 2018, the Department of Justice confirmed the ADA’s application to websites, referencing the Web Content Accessibility Guidelines as the standards by which websites should conform under the law. Since then, and as recently as

April 2024, the DOJ has repeatedly reiterated this fact.

While some have heeded the call for equality and have taken the necessary steps to ensure their websites conform to WCAG, many more have yet to do so. Close to 96 percent of all the world’s websites have WCAG failures, according to WebAIM, which is part of the Institute for Disability Research, Policy and Practice at Utah State University. With the ADA being a federal law, failing to comply with it can result in fines and potential legal action.

In 2023, the number of web accessibility lawsuits grew dramatically, according to UsableNet’s 2023 Midyear Report on Digital Accessibility Lawsuits.

Accessible websites and apps have the opportunity to open businesses to an entirely new clientele while meaningfully shrinking the digital divide. Keep reading to see how digital accessibility has proven good for business

Accessibility drives customer experience, retention

About 85 percent of survey respondents called digital accessibility a competitive advantage. A majority also said that implementing digital accessibility directly improved several performance measures, mostly in the realm of customer experience. According to the results, 87 percent said digital accessibility improved user experience for their business, and 79 percent said brand reputation improved. Customer retention, which results in steady and increased profits, improved for survey respondents by 68 percent.

While accessibility in any area is critical for those with disabilities, it typically also improves experiences for people without disabilities. Offering closed captioning

Merchant fraud can harm a company’s reputation and incur financial loss through chargebacks and other financial liabilities. They can be subject to legal consequences, such as lawsuits and fines if it’s determined that they neglected to maintain proper fraud prevention measures. If rates of merchant fraud in a particular industry are high, businesses can be impacted by higher payment processing fees due to the elevated risk.

A major way that businesses and sellers can combat this is by ensuring that the company name, logo and transaction details appear on bank statements to distinguish legitimate purchases from fraudulent transactions at fake stores, preventing chargebacks. Implementing clear terms and conditions, secure payment methods and multifactor authentication will also signal to consumers that the business remains trustworthy in the event of merchant fraud. On top of this, it’s good practice to stay aware of the best ways to prevent fraud and ensure that fraud prevention measures and software are being maintained.

See more on afro.com

This article was originally published by fastopayments. com.

Merchant fraud is defined as scammers posing as real businesses to deceive their customers and make illegal profits. They might create fake online stores that let consumers unwittingly make purchases, often at temptingly low prices. They may then send a counterfeit or lowquality product, or no product at all. While this directly targets consumers, businesses are hurt as a result.

on videos, for example, can increase comprehension, memory, and language skills for everyone who watches. Subtitle use is rising even among those who aren’t deaf or hard of hearing, offering just one of many instances where accessibility benefits a wide, general audience.

Fundamentally, acquiring and retaining customers is the basis for maintaining and increasing revenues. Company leaders said their accessibility measures boosted their reputations among potential customers, business partners, and future employees. About 3 in 5 survey respondents said their company requires accessibility in the software and digital products they purchase, meaning digital accessibility is important for securing those customers and revenue.

Accessibility also unlocks a market segment left behind amid rapid technological advancements. In 2021, just 62 percent of U.S. adults with disabilities had a laptop or desktop computer, and 72 percent had a smartphone, according to a Pew Research Center survey. Ownership of each of these technologies among Americans with disabilities trailed over 15 percentage points behind that of those without disabilities. What’s more, 15 percent of Americans with disabilities say they never go online, and just 75 percent go online daily compared to 87 percent of Americans without a disability.

Prioritizing accessibility paves an essential road for the millions of Americans living with a disability, lowering barriers for people to enter the digital world. With heightened expectations for more universal access and better standards, everyone can reap the benefits.

Unsplash/ Bermix Studio

Unsplash / Elizabeth Woolner

Experts weigh in on the benefits of accessibility when it comes to serving

refreshable braille display.

Sponsored Content

Black small business owners more optimistic, ready for growth in 2024

Sponsored by JPMorgan Chase & Co.

Despite continuing concerns about inflation and economic uncertainty, Black small business owners are more optimistic about 2024 compared to small business owners overall, according to JPMorgan Chase’s 2024 Business Leaders Outlook survey.

Optimism this year starts at home, with Black (77%) small business owners more positive about the outlook for their own businesses, compared to all small business owners surveyed (69%). Those high hopes are figuring into their 2024 projections – 80% of Black small business owners expect substantial increases in revenue and sales compared to 69% of small business owners overall.

Here are the survey’s top 5 takeaways:

1) It’s going to be a good year

“We’re seeing that diverse small business owners are ready to hit the accelerator on growth in 2024 in order to reach their goals,” said Mikal Quarles, Head of Community Business Strategies for Chase Business Banking. “It’s all about access, whether that’s access to capital or opportunity. Through programs like our complimentary one-on-one coaching or Special Purpose Credit Program, diverse entrepreneurs gain access to resources that help get their small businesses to the next level.”

In addition to expressing confidence in their own businesses, more than half (51%) of Black small business owners expressed optimism about the state of the national economy, compared to 43% total small business owners, and 68% are more optimistic about their industry’s performance compared to 63% total small business owners surveyed.

2) Increasing credit needs

More than half of Black small business owners (52%) believe their credit needs will increase this year, compared to 45% of small business owners

overall. Additionally 57% Black small business owners surveyed expect capital expenditures to increase this year, compared to 48% total small business owners surveyed.

3) Inflation is top concern, but not a roadblock

Business owners are still cautious about the state of the economy, with Black small business owners citing inflation (44%), growing sales/revenues (23%) and rising taxes (22%) as the biggest challenges they expect in 2024. They are also more confident and most likely to hit the accelerator in the face of inflation this year.

4) Customers are the top priority

Among the priorities for Black small business owners this year, adding new customers (53%) topped the list, followed by retaining current customers (44%). Additional priorities include starting to use artificial intelligence/ AI (37%), reducing debt (30%) and increasing/improving employee benefits (30%).

5) Focusing on health and wellness

2024 is all about getting your health and wellness in check. Black small businesses are most likely to implement mental health days (42%), also citing increased awareness and education (39%) and added stress relieving activities in the workplace (38%) as mental health strategies for the year.

Things are looking up this year. While all small business owners surveyed were more upbeat about the economy and less worried about a recession compared to this time last year, Black, Hispanic and Latino small business owners expressed the most confidence about the national economy, the performance of their respective industries and their companies’ strength.

For more information on JPMorgan Chase’s Business Leaders Outlook survey, visit jpmorgan.com/insights/outlook/ business-leaders-outlook.

Black men speak on entrepreneurship in America

By Reginald Williams Special to the AFRO

According to the 2020 Census Bureau, Black men own 55 percent of the majority-owned Black businesses. Eight percent of the Black-owned companies are coowned by Black men and women.

While African Americans comprise approximately 14 percent of the population, they represent less than three percent of America’s businesses. White Americans comprise 59 percent of the population but own 86 percent of the registered companies.

Being a successful entrepreneur is widely promoted as one of the best ways to build wealth– but it comes with challenges– especially for Black men.

Dr. Nuri Tawwab is a pharmacist and the owner of the Happy Hippo Shaved Ice dessert truck. The truck serves shaved ice at school events, including Parents Teachers Association meetings, daycare, youth sports leagues and at the Prince George’s County Boys and Girls Club. Tawwab is more than a Black, male entrepreneur- he’s a man on a mission, giving back 15 percent of all sales to various organizations in need.

While he plays an important part in his local economy as a business owner, Tawwab says he does face challenges– and most daunting is the issue of employing dedicated workers.

“My biggest struggle right now is getting responsible employees,” said Tawwab, who tries to hire youth from the community.

Tawwab’s desires to scale his business, but his inability to keep good employees reduces his capacity. His ability to locate responsible employees causes a loss in revenue and earning opportunities.

“The good employees will eventually leave for school or leave for an internship,” said Tawwab, who established Happy Hippo in 2018. “It’s hard to keep them.”

Black-owned companies typically have four or fewer employees and 58 percent earn less than $100,000. When hiring issues come into play, revenue is undoubtedly impacted.

Beyond marketing, financing and growing a business, Otis Toussaint, owner of Wide Aperture Media, says an additional dynamic that stunts growth is Black people’s persistent tendency to “play small-ball business politics.” This is another way to describe the oft-repeated “crabs in the barrel” mindset.

Toussaint said smaller business owners can sometimes be slow to support each other, “meanwhile, those in a different tax bracket are saying, ‘Hey buddy, I know this person or that person—let’s connect and make a few million here and a few million there.’”

“There’s a nasty underbelly of racism where, as a Black man, you wish the things that you’ve done and things you are capable of were based on your merit. But simply because people don’t see you as good enough or skilled enough— they dismiss you.”

While some business owners may struggle to hire dependable employees, others say scaling their business can be tricky.

“I’m a disabled, minority-owned business [owner], and I don’t know of many community resources that

can help me make my business bigger and better,” said Toussaint, adding that when it comes to marketing and financing, he’s had to do his best to figure it all out as he goes along.

“I don’t have everything figured out–but still, I enjoy the journey,” he said.

Wide Aperture Media, a photography, videography and media company based in the D.C., Maryland and Virginia (DMV) area, was launched roughly 10 years ago after Toussaint’s military medical discharge.

“My business started as a means of trying to find myself once I was out of the military,” said Toussaint.

“In 2013, I was preparing to medically retire. All I knew was military and medical operations, but I had a love for videography and photography.”

The Trinidad, Tobago-born,

Brooklyn, NY-raised photographer admits that receiving retirement income while also working a government job as a photographer and videographer more than meets all financial needs. This allows him to truly enjoy his new career.

“Photography is the thing I do as therapy,” said Toussaint. “I get paid to do therapy.”

While some find a new career by following their passion, others are motivated by different factors— even if the road is rocky.

Edwin Sturdivant, a warehouse coordinator based in Detroit, Mich. never had a desire to work his life away as someone’s employee. Still, he admits he struggles to achieve his entrepreneurial aspirations– and sometimes, it’s because he can’t get out of his way.

Sturdivant has tried his hand at being an unlicensed freelance electrician, invested money into being a sneaker retailer along with other unsuccessful ventures. Over the years, he has learned many lessons and picked up many skills. Today, he is confident in one thing: the biggest threat to becoming a financially stable business owner is inconsistency.

“Looking back on it all, I know what the problem was in every situation. I wasn’t consistent enough,” said Sturdivant, describing himself as “a dabbler” when it comes to his brand of entrepreneurship in the past.

Sturdivant said in the past he has gotten stuck in a “cycle,” common for some aspiring entrepreneurs.

“You have one idea that you’re going to do, and for whatever reason, that changes,” he explained. “You might come across new information or you experience some struggles. Then you get a brand new idea, and you start chasing that idea.”

For some Black men, “betting on themselves” is difficult because of a lack of confidence. At least that is what stymied Sturdivant’s ascension.

Many Black men who own businesses essentially use them as their side hustles to earn additional income. The ability to completely “bet on themselves” via absolute self-employment becomes more complicated when companies provide family health insurance packages and retirement plans.

Still, he added that while racism can play a part in hindering Black men from business ownership, the negative voices on the inside can do just as much damage.

More often than not, [it’s] imposter syndrome,” he said. “Even when I’m talking about something I know that I know— for some reason, I still feel inadequate. I don’t have the things that other people think I need in order for them to believe I know what I’m talking about.”

According to Key Insights Counseling, there are multiple things business owners can do to build confidence as they move along the path to entrepreneurship, including learning “the competition and target audience well,” having daily short-term goals and learning “proper time management and organization techniques.”

Meet DeAnne Brookshire, CEO of Pink Leaf Consulting

By Ariyana Griffin AFRO Staff Writer agriffin@afro.com

August is National Black Business Month, a time to celebrate and acknowledge Black owned businesses around the world.

According to The Annual Business Survey (ABS), in 2021, there were a recorded 161,031 Black-owned businesses in the United States. This week AFRO spoke to the CEO of Pink Leaf Consulting, DeAnne Brookshire, about her entrepreneurship journey.

AFRO: What does your company do?

DB: My business is a consulting firm, I cater to creative introverts. I do one-on-one consulting, I have digital products. I also do intimate workshops and events. My business targets creative introverts who want to step out of their comfort zone and learn how to confidently show up to, sell products and market their businesses in a way that aligns with their introverted personality and real life.

AFRO:How did you find your niche?

they weren’t having them with them.

If someone did not show up and did not present well, people would talk trash behind their back and not hire them for the job. I would just hear the conversations that were happening behind closed doors. And in my mind, I thought if someone would just have these conversations with the actual business owner, they could then improve and be making more money in their business. Atthose networking events, I began to probe, ask questions and give them feedback just based on my experience being a director and vice president of

DB: Well, the funny thing about that is my business started by accident. In my previous position, I was the vice president of sales marketing. And because I’m an introvert and I knew I had to be social, I would host monthly networking events that allowed me to control the menu, the length of time and the invite list. Month after month, I would have conversations with local businesses. I would hear conversations that people were having about businesses– but

“I serve predominantly women. The best thing that I can do for a Black woman is teach her how to make money and teach her the skills.”

sales and marketing. And that actually blossomed into Pink Leaf Consulting. I did that for about a year, and then someone asked, ‘Can I pay you for a one-on-one session?’ and my company was born.

AFRO: Did you have any struggles with starting your business?

DB: I did not have a lot of struggles with starting my business,

but that is because of the background that I had. What I will say, as an introvert myself, is that the biggest struggle is balancing my desire for my solitude with the need to get out to create additional awareness and visibility for my brand and business. It doesn’t matter how great you are, if you’re the best kept secret, what good are you doing?

AFRO:What is your favorite part about being a business owner?

DB: The impact in the Black community. I serve predominantly women. The best thing that I can do for a Black woman is teach her the skills and how to make money. I know that when Black women get skills and access to money, we are going to multiply it. We are going to pour into our communities. We are going to share that information with someone else.

AFRO:How has owning a business changed your life?

DB: Owning a business has pushed me to my limits and it has pushed me so far out of my comfort zone. It has taught me a discipline that I’ve never experienced before. At the same time, this freedom of time and freedom of location is something that I’ve desired for a very long time. It has had a positive impact on my overall well being. I’m able to do the work that I love without restriction.

AFRO: What is your best piece of advice for someone who might want to start their own business or leave the workforce to become an entrepreneur?

DB: I would say craft an exit plan. I see so many people quit their jobs prematurely and then end up in a situation where the burnout and the stress really sets in. If you are someone that truly desires to quit your job, have an exit plan. One of the things that I did was put a year and a half plan in place. I made sure my finances were in order. I made sure I had a year worth of money stacked up. I made sure that my job funded the company. That was my first investor.

Unsplash / Adeolu Eletu

According to the 2020 U.S. Census, though the obstacles are plenty, Black men still own 55 percent of American businesses known to have majority- Black ownership.

Photo courtesy of DeAnne Brookshire

DeAnne Brookshire is the CEO of Pink Leaf Consulting. This week, she speaks to the AFRO about Black entrepreneurship.

AFRO spotlight on Black excellence: Meet Diedre Windsor, the Maryland entrepreneur on the Inc. 5000 list

By Aria Brent AFRO Staff Writer abrent@afro.com

When it comes to defying odds and blazing trails, the owner of Windsor Group knows a thing or two about it. Since starting in 2017, the leader of the Black, woman and veteran- owned business has worked hard to continuously raise the bar.

With a series of services offered including IT, project and program management, management consulting, staff augmentation and many more, the company is on the rise.

Diedre Windsor, president and CEO of Windsor Group, spoke with the AFRO to discuss her evergrowing business, how it started, the importance of supporting Black-owned businesses and the role they played in providing funding opportunities from the United States Department of Agriculture

(USDA) to over 58,000 agriculturists. This week, Windsor’s company was listed on the Inc. 5000 list. According to information released by Inc.com, “companies on the 2024 Inc. 5000 are ranked according to percentage revenue growth over the last three years. They generated 874,940 jobs, $317 billion in revenue, and show where the economy is going.”

Read below to learn more about this Black woman on the move and what she told the AFRO about discrimination when it comes to African-American entrepreneurship.

AFRO: Tell me about Windsor Group. When were you founded and what’s your purpose?

DW: We registered in January of 2014, but I did not start the business until 2017. In 2016, I quit my job in

the federal government. I was working at the U.S. Department of Justice. I left that job and decided to start the business full time.

We are a professional

services firm. Under the umbrella of professional services, we offer IT services, project and program management, management consulting, training, development and staff augmentation. We are 100 percent federal government contractors.

AFRO: How did you get involved with the Discrimination Financial Assistance Program and what was that like?

DW: Interestingly enough, in the federal government, they have what’s called a “multiple award schedule.” We’re on the schedule and last year I got a call from a large company that wanted to pursue this opportunity at the USDA. It’s the Discrimination Financial Assistance Program. The program came from legislation 22007, of the Inflation Reduction Act, which required the USDA to provide 2.2 billion in financial assistance to farmers, ranchers and forest landowners who had been discriminated against. You had the national administrator, who was the final decision maker, but also the vendor that would make sure the checks were distributed. You also had the regional hubs and these vendors were responsible for making sure that we communicated this information. Our job was outreach and technical assistance. We needed to find the farmers and make sure they understood this information–that this financial assistance

was available– and then help them with the application process. The application was 40 pages and that was daunting by itself. But that was our responsibility. They asked us if we were interested. We said “yes” and went forward.

We ended up being awarded the contract to execute East of the Mississippi River and that was 26 or 27 states, including Puerto Rico and the U.S. Virgin Islands. There were 43,000 financial assistance awards made and 33,000 of those came from the East Coast. Our technical approach was successful because we were able to get over 58,000 applications. I’m sure some of them fell out for one reason or the other, but we were responsible for about 78 percent of the applications and we were responsible for about 72 percent of the awards that were distributed. The program was a huge success.

AFRO: What does discrimination within the agriculture industry look like?

DW: It’s the same as what it looks like for me as a small business owner.

For example, “Mr. Smith goes to the USDA and says ‘Hey, I have 15 acres and I want to do X,Y and Z,’” but then he is discriminated against: He can’t get the loan to do what he needs to do to progress on his land. That can result in him maybe having to sell the land because he has no money to keep it.

The old saying goes, “You have to have some money, to make some money,” and sometimes having money just means getting a small loan. You can only do so much borrowing from friends and family. Most of us don’t have friends and family that can lend us the type of money we need to actually get something like that off the ground. How are you going to make progress without getting the money that you need?

There are people who told us they tried to get a loan, but couldn’t. When they didn’t get the loan they needed, they had their White neighbor go in and try to get the same loan.

The neighbor got the loan.

The Discrimination

Financial Assistance Program addressed all forms of discrimination.

AFRO: What’s next for Windsor Group?

DW: We’re looking to give back even more. For the last two years, we’ve been on the Washington Business Journal list of corporate philanthropists. I feel like the more we grow, the more we can give back. It’s made me think a lot about how I want to give back in the future because right now we help quite a few organizations. Right now, we are focused on a lot of veteran organizations. I try to stick to organizations where I know what kind of impact it will have on the person.

As a Black woman veteran, I know the trials people like me deal with, and I know organizations that support that population. I want to support them, but I also want to support scholarships at HBCUs. I also want to support food insecurity. On the business side, we’re diversified within the government, and right now I’m looking at how we move beyond the government to the commercial space. In order to truly grow and scale, that’s going to take something different and I’m not 100 percent sure what that is yet.

We’ve been very fortunate because we’ve grown every year. This week, we were notified we’re on the Inc. 5000 list– number 318. This is our fourth year in a row we’ve been on Inc. 5000 and that means that we’ve been consistently growing.

AFRO: Why is it important to support Black-owned businesses?

DW: I think it’s critical. Sometimes it’s only us helping each other. I’m not saying other people don’t help us, but if we don’t help us—who’s going to help us? Don’t get me wrong, there are a lot of great philanthropic organizations and people out there that are helping us because “they don’t see color.” However, for me, it’s important that I help Black-owned companies, women-owned companies and veteran-owned companies.”

Diedre Windsor is the president and CEO of Windsor Group, a professional service firm in Bethesda, Md.

Image courtesy of WindsorGroup-LLC.com

The people speak: What’s your favorite Black business?

By Tierra Stone AFRO Intern tierrastone@afro.com

And Lizzie Suber AFRO Intern lizziesuber@afro.com

In honor of National Black Business Month, the AFRO asked Black people about their favorite Black-owned businesses. Interviewees mentioned a range of businesses from tea shops to music production companies and hair salons, highlighting the diverse range of ventures that Black people are involved in. Take a look to see if your favorite establishment was mentioned!

“My favorite Black-owned business is Cuples Tea because it’s a nice little set up and a nice little vibe.”

25

“My favorite Black-owned business is Surprise Me Gifts because they offer customizations for special occasions like memorabilia for pets, shirts, mouse pads and cups. They have a bunch of different varieties that you can choose from or you can either create something with them to make your special occasion or memories memorable.”

Angie Stokes, 53 Human resources representative Baltimore Native

“My

Donnel Farrow, 67

Retired IT specialist Philadelphia

“It’s called Sharp Image Hair Studio. I like [the] customer service. I like the fact that when I go get my hair done, [the beautician is] focused on me as the client and not everyone else in the shop. You can have great conversations about life.”

Vonda Brister, 58

Special education teacher Greensboro, N.C.

“If I had to narrow my favorite Black business down to just one, I’d be honored to share my favorite sandwich spot in my neighborhood: Abby’s The Sandwich Specialist in Irvington, New Jersey.

New Jersey is known for our sub sandwiches and deli meats, but I love Abby’s because of how the owner focuses on centering around the community. From delivering to local schools and even halfway houses–it’s clear that Abby’s is more than just a regular deli shop- but a neighborhood staple. And, their Italian hot dogs and pastrami sandwiches are also a plus!”

Jeydah Jenkins, 23

Multimedia journalist New Jersey

business,

company.

“As many of us know, the ‘chicken box’ is a staple for Black Baltimore. Chef Saon Brice at

favorite Black-owned business is

Aja Anderson, 74 Retired Los Angeles, CA

“I love the coffee shop Archive CLT,

I love the flavors and the

is

in

of the shop, they have cool archives from Black history and culture.”

Jason Sanford, 24 Engineer Atlanta, GA

“My favorite Black owned business is the Adams Motorsport Park. It is part of my family’s legacy in Southern California. The go-kart track that was originally laid in 1959 is still in use, and the park has grown to include a number of motorsports.”

Ama Brown AFRO Editorial Assistant Wilmington, De.

Essence Stevenson,

Between Jobs Baltimore Native

favorite Black-owned business is my

Donnadon Productions. It’s a music production

I produce acts for other artists, take them to the studio and record.”

“My

Octavia’s Bookshelf in Pasadena, Calif. it is the first and only Black owned bookstore in the city.”

it

located

Charlotte, N.C.

vibe

AFRO Photo

Photo courtesy of Meta (Facebook) /

Motorsport Park

AFRO Photo

AFRO Photo

AFRO Photo AFRO Photo

Photo courtesy of Instagram / Abby’s The Sandwich Specialist Abby’s The Sandwich Specialist is located at 290 Orange Ave..Irvington, N.J.

Photo courtesy of octaviasbookshelf. com.

AFRO Photo

AFRO Photo

Black-owned construction companies merge in efforts to build six hotels across Africa

By Ariyana Griffin AFRO Staff Writer agriffin@afro.com

And Denim Fisher

AFRO Intern

dfisher@afro.com

Choates Family of Companies recently partnered with Urban Icon International to improve hotel accommodations in Africa. Together, they aim to support the building of hightech sports facilities and hotels throughout cities across the continent. Both companies are dedicated to pushing forward technology and infrastructure alongside community and economic efforts.

“We have collaborated with the Housing Authority of Tanzania. They just gave us a very large development project where we are going to be building an entire city in Tanzania that is going to consist of a hotel, hospital, residential and

“Multi-million-dollar project plans to provide world-class sports and entertainment as well as serve as a hub for economic development and cultural exchange.”

commercial area as well,” Darrell K. Choates Sr., CEO of Choates Family of Companies told the AFRO. “We have intentions on expanding into West Africa as well. Our goals is collaborating with local partners in the area of Africa and

continuing to expand and build our organization.”

Sports and entertainment amenities are at the center of this multi-million dollar venture, slated to feature resources that build Africa’s economy, as well as support cultural initiatives.

Urban Icon International is renowned for commitment to developing community landmarks that encourage cultural esteem, economic growth and viability for the environment.

Choates Family of Companies has a reputation for innovation. Their company provides adjustable, secure and technology-sufficient services and promotes innovative urban living. The company is minority-owned and has a mission to uplifting inclusive, diverse voices, create development projects, and broaden perspectives.

“During our research process we found that Africa is understated when it comes to new development and facilities,” said Coates. “With us being of African descent, we thought that it would be great for us to go ‘back home’ and start building and developing. That was one of our main missions, so we decided to move back to the Africa area.”

Read below to find details on the individual projects slated for the continent of Africa in the coming years.

Total Project Budget $812 Million:

1. Zanzibar, Tanzania: A state of the art digital sports arena and hotel are expected to bring in travelers from around the world. The project is supposed to cost roughly $180 million.

2. Nairobi, Kenya: In the same vein as the Zanzibar, Tanzania offerings, in the area of Nairobi, Kenya, another sports arena and hotel are being planned to the tune of $150 million.

3. Mombasa, Kenya: Technology, sports and luxury hotel accommodations will all intersect at the hotel being planned in Mombasa, Kenya, estimated to cost a total of $120 million.

4. Maputo, Mozambique: Members of the partnership are planning to take Mozambique’s sports and hotel offerings to the next level with a project that includes a budget of $108 million.

5. Kampala, Uganda: An estimated $134 million would be needed to help Kampala, Uganda build a sports arena and hotel with digital innovation in mind.

6. Cape Verde: Roughly $120 million would be needed in Cape Verde, Africa in order for a new sports arena and hotel to be built in honor of President Jorge Carlos Fonseca.

Two HBCUs named among world’s top music business schools

By Stacy M. Brown NNPA Newswire

Howard University, the renowned historically Black college in Northwest, D.C., and Tennessee State University are officially in esteemed company, now that they have been recognized on Billboard’s 2023 prestigious list of the best schools for music business degrees. The historically Black institutions now join the Abbey Road Institute in London, the Berklee College of Music in Boston and Spain, and the Liverpool Institute for the Performing Arts in Liverpool, England as distinguished higher education establishments with top tier programming for students looking to merge music and business.

Billboard’s selection process, which refrains from ranking the institutions, is based on a comprehensive evaluation that includes executive recommendations, alum feedback, information furnished by each school and a decade’s worth of reporting on music business programs. Publishers said the decision not to rank the schools stems from Billboard’s acknowledgment of widespread criticism

degrees, according to Billboard’s 2023 review of available collegiate programs.

surrounding conventional college ranking practices. American University, also located in Northwest, D.C., secured its place on the list, emphasizing Washington’s significance in music education.

Howard’s remarkable achievement is underpinned by

“By any measure, the colleges and universities here offer impressive opportunities for students seeking an edge in music-industry careers — running campus record labels, devising business plans, volunteering at top festivals, traveling to major music industry events and meeting with leading artists and executives.”

the establishment of the Warner Music/Blavatnik Center for Music Business in 2021, made possible by a generous $4.9 million donation.

Billboard highlights the center’s one-year fellowship program, which offers invaluable coaching, mentorship and real-world industry exposure through collaborations with partner organizations. The program is specifically designed to combat the underrepresentation of Black executives and professionals within the music and entertainment sectors.

According to Billboard, one of Howard’s standout offerings is the course “The History of the American Music Industry: What Isn’t Black Music.” This unique perspective aims to give students a comprehensive understanding of the industry’s roots and evolution.

Billboard’s methodology emphasizes more accessible public colleges and universities, focusing beyond the traditional music capitals of New York, Los Angeles and Nashville. The publication underscores that attendees of these top music business schools are primed for success in an increasingly intricate music industry landscape.

“The schools listed are selected through executive recommendations, alumni information provided by honorees from our multiple power lists, information requested from each school and a decade of reporting on these programs,” the Billboard publishers explained. Notably, the publishers said students could find robust curricula in cities such as Philadelphia, Memphis and New Orleans, as well as in Syracuse, N.Y.; Kennesaw, Ga.; Stillwater, Okla.; and Cleveland, Miss.

This extensive list encompasses the Valencia, Spain, campus of Boston’s renowned Berklee College of Music, the esteemed BRIT School located outside London, LIPA and the BIMM Institute, the largest provider of contemporary music education in Europe.

“By any measure, the colleges and universities here offer impressive opportunities for students seeking an edge in music-industry careers — running campus record labels, devising business plans, volunteering at top festivals, traveling to major music industry events and meeting with leading artists and executives,” Billboard affirmed, while also solidifying Howard University’s place among the foremost institutions in the field of music business education.

This article was originally published by NNPA Newswire.

Howard University and Tennessee State University are on the list of top institutions in the world for music business

Courtesy Photo

Darrell K. Choates Sr. (left), CEO of Choates Family of Companies, is working with Charles D. Smith, founder of Urban Icon International, to bring more sports arenas and hotels to the continent of Africa.

Photo courtesy of Choates Companies LLC

Photo courtesy of Charlesdsmith. com

Courtesy Photo

By Wade Zhou

It is a tough time to be in the retail business. Inflation has taken its toll on consumers’ wallets in the past few years, and although prices are no longer rising as quickly as they did in 2022, they still are up by around 20 percent compared to the start of 2020.

These price increases have caused consumers to find more ways to save money. Discount stores were the hottest segment of the retail sector in 2023 and spending at discount retailers grew by 26 percent, according to Deloitte research. In contrast, spending at department stores fell by nearly 20 percent.

This, in turn, has put pressure on retailers whose margins are already thin. Task Group analyzed survey data from Deloitte to see how retailers plan to face these challenges.

The Deloitte survey asked 50 senior executives from retail companies what they thought the biggest growth opportunities were for them in 2024. The most common response from the executives involved brand loyalty programs, such as those offering consumers points every time they make a purchase. Just over half of executives surveyed believed strengthening such programs would be a key area of potential.

Rewards are going digital

Unsplash/ Nathan Dumlao Business owners around the country are taking a hard look at reward programs they offer to the most valued of customers. Experts say the overhauls are being done in hopes of hooking loyal patrons that come back month after month.

Customer rewards programs are nothing new. Such loyalty incentives have existed since at least 1793, according to a 1971 New York Times report, which reported a merchant in “Sudbury, [New Hampshire]” giving customers copper tokens they could redeem for merchandise in the future.

“Trading stamps” were popularized by the Sperry and Hutchinson Company in 1896. The company provided these stamps to retailers in New England, who then gave them to customers. Once they had filled their books, customers could redeem their stamps for goods from Sperry and Hutchinson.

Loyalty programs have come a long way since. Reward stamps are now rare, having been mostly replaced by digital accounts, with mobile apps playing a big role. This has created many opportunities for retailers, including the chance to create personalized shopping experiences for

their customers by using data analysis to determine what kinds of rewards would work best for them.

The Deloitte report notes that Ulta Beauty grew its active loyalty program members from 30.7 million in the 2020 fiscal year to 40.2 million in 2022. This proved crucial, as over 94 percent of its sales came from such consumers.

Keeping customers is hard

The Deloitte report notes that digital rewards programs also give retailers a source of valuable data on their customers. When Apple launched stricter privacy rules on iOS in 2021, it hampered traditional media networks’ ability to track consumers. This created an opportunity for retailers wanting to sell their customers’ data to advertisers, though it raised questions about privacy.

Around two in three American consumers already belong to somewhere between one in five loyalty programs. Deloitte estimates most consumers use half or even fewer of their memberships. The challenge many retailers face is not signing up consumers but rather creating benefits and shopping experiences attractive enough for their existing consumers to use the memberships and stick around.

One potential source of silver lining is that customers are not solely focused on price. A different study, conducted by PwC, asked both company executives and consumers what they thought caused consumers to leave a company Some 37 percent of executives surveyed said they believed customers left following price increases or the cessation of discounts. Yet only 17 percent of consumers polled agreed. Consumers were more than twice as likely to say a bad experience with their products or services would make them leave a brand.

In a time of prolonged inflation, companies might not have much more room to adjust their prices. This suggests companies can do well by focusing on quality over making painful decisions about prices.

This article was originally published by Stacker Studios, with story editing by Mary Reardon and copy editing by Paris Close.

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Black businesses shine at “The Cookout” in Downtown Baltimore

By Ama Brown Editorial Assistant

Black entrepreneurs and their businesses were on full display at “The Cookout,” an annual event put on by Cordetta Bake Shop in partnership with The Downtown Partnership of Baltimore. The event, held from 2 p.m. to 7 p.m., provided networking opportunities for local businesses and artists, along with family friendly fun.

A panel discussion, live performance and live painting from a visual artist were all offerings available to engage those in attendance. Jamaal “Black Root” Collier, a popular figure on Baltimore’s creative scene, served as emcee of the event and joined the panel discussion on the intersections of business and art.

Vendors featured included chefs with handmade goods, and artisans representing more than 20 local creatives who were in attendance.

Adrian Bridgers (left) and Reality Smith enjoy “The Cookout.”

Azer (left), Nabi and Josiah Salaam, authors of the children’s book, “Unlocking the Hero Within,” show off their product.

Local artist Bryan Robinson of The Genius Art Show shows off his product.

Emmanuella Antonia, of Emmanuella’s Cuisine, whips up creations from her stand.

Jon Bricks creates a live painting at the event.

Todd Treehouse offers healthy options from his juicery.

Kelvin Johnson of For the Culture Games shows off his merchandise.

Thomas Read shows off his moves at the direction of Sarah Powell.

Participants of “The Cookout,” enjoy year two of the event. Shown here, Carmyn Wilson (back, left), Thomas Read; musician Jimmy Thomas of MRI Studios; Nikia K. Vaughan OF NKVSKIN (front); actor, poet and educator Khalid Bilal; Morgan Dominque of Sacred House Wellness and Jamaal “Black Root” Collier.

By Megan Sayles AFRO Business Writer msayles@afro.com

CLLCTIVLY, an ecosystem builder for social impact in Greater Baltimore, hosted CLLCTIVGIVE for the sixth time on Aug. 9. The annual 24-hour crowdfunding campaign, which encourages Baltimoreans to support Black nonprofits and businesses, raised $1,123,723 for 119 Black-led social change organizations.

African-American business owners and nonprofit leaders face unique challenges in securing capital and other resources to sustain their organizations. This annual day of giving enables them to gain nostrings-attached funding that can help them grow and scale their work across Baltimore.

“Social change organizations, whether for-profit, nonprofit or community-based organizations without a legal struggle, are dedicated to making a positive impact in their communities,” said Jamye Wooten, founder of CLLCTIVLY. “These organizations are on the ground, making a meaningful impact, but Black-led organizations often go underfunded. By mobilizing resources, CLLCTIVLY not only supports but also amplifies their efforts, ensuring they have the tools and funding needed to create lasting change in

our communities.”

CLLCTIVGIVE fittingly coincides with National Black Philanthropy Month and National Black Business Month. In addition to the donation drive, the campaign included several events for Baltimore’s Black entrepreneurs, including the Black Business Quest, Made in Black at Made in Baltimore and Black and Social at R. House.

One participating entrepreneur was Melva Harris of GentleMoonBell. Harris, who moved from New York to Baltimore a year ago, started her gently-made plush toy brand in 2014.

“When I was younger, we couldn’t afford stuffed animals

and toys. My mom and I lived in a shelter,” said Harris. “She used to sew and fabricate. When she died, I got all of her stuff, and I started sewing.”

Harris, who also works for Made in Baltimore, plans to settle down in Charm City and continue to expand GentleMoonBell. She emphasized the importance of buying Black and local.

“If you keep your money within the Black community, the community will give back to you in turn. It’s possible,” said Harris. “I see it every day when people come into Made in Baltimore and search for Blackowned businesses.”

Another participating business

owner, Randy Lewis, did not initially plan on becoming an entrepreneur. The West Baltimore native had dreams of becoming a veterinarian before he discovered how much schooling the profession required.

“I didn’t know what I was going to do, but I’ve been growing my beard since I was 20,” said Lewis. “I was buying stuff from the store that was breaking me out and eating my hair up. That’s what pr Lewis launched Five O’ Clock Co. out of his home in 2017, using herbs from his garden to craft organic beard and body care products. His wares include handmade beard wash and conditioner, balms and oils, as well as whipped body butters,

lotions, bar soaps and face oils.

In 2024, Lewis purchased his first production facility in Baltimore’s Old Town Mall. Next on the docket is acquiring a brick-and-mortar store to sell not just his products but those from other local Black-owned businesses too.

“It’s super important to not only buy local and from small businesses but also Black-owned businesses in particular. There are so many thriving throughout the city,” said Lewis. “You could be helping to make sure that someone’s family has food

AFRO Photo/Megan Sayles

Melva Harris is the owner of GentleMoonBell, a plush toy brand started in 2014. She recently moved to Baltimore to put down stronger roots and grow her business.

AFRO Photo/Megan Sayles Randy Lewis is a native of West Baltimore. He runs Five O’ Clock Co., an organic beard and body care brand.

Small businesses owners in D.C. speak on impact of COVID-19 pandemic

By Aria Brent AFRO Staff Writer abrent@afro.com

In March 2020, as life came to a halt due to the COVID-19 pandemic, businesses big and small found themselves struggling to stay open. Challenged by quarantine mandates and remote work, many entrepreneurs saw their companies go under. However, while some business struggled, others thrived. Many were able to take advantage of support made available via government and private funding.

“During COVID a lot of the money was distributed,” said Peter Opare, chef and manager of Open Crumb, a scratch kitchen serving a variety of Black foods. “I saw an increase in my sales because a lot of people in my community were receiving additional government assistance which gave them more disposable income.”

“Our community– like any community– loves food and loves supporting people. I saw more customers come to us,” he added.

Located in D.C.’s historic Anacostia area, Open Crumb’s story of increased sales amidst the pandemic is a bit of an anomaly. Opare’s meals caught the attention of residents across the city. In turn, he was afforded opportunities he never expected–but definitely needed to propel his business to the next level.

Although Opare was able to thrive amidst the pandemic, other businesses fought to create revenue and keep their doors open. Long time business

owner Julius Lofton Jr., of JC Lofton Tailors, had trouble with consistent clientele throughout the pandemic, due to the increased amount of remote jobs. He spoke to the AFRO on how the pandemic is still affecting his tailoring business today.

“When the pandemic came and people were working from home, it affected us because people weren’t really wearing suits. It’s still affecting us because people are working from home and don’t wear business attire,” said Lofton. “I knew we had to pivot and we started making masks. It was something to keep money flowing into the shop. However, no one was prepared for everything to just stop the way it did. When LISC came in and talked to me about some additional funding, it really helped.”

Local Initiative Support Corporation (LISC) is a nonprofit organization focused on forging resilient and inclusive communities of opportunity across the nation.The local chapter of the 501c3 helped bridge the financial gap created during COVID by connecting small, local businesses with Wells Fargo.

“We were thrilled to partner with Wells Fargo to ultimately inject money into small businesses that are critical to the local communities fabric, particularly East of the river,” said Ashley Rosado, assistant program officer for LISC D.C. “We were able to do that in collaboration with the Anacostia Business Improvement District who helped us identify and

connect with local businesses who needed the money the most.”

The Wells Fargo Open for Business Fund has played a key role in broadening the economic stimulation of small businesses. The program has not only helped businesses survive, but also create jobs and expand. Darlene Goins, Wells Fargo head of philanthropy and community impact, discussed the importance

of preserving and creating jobs at small businesses.

“Wells Fargo wanted to create a large-scale, inclusive small business recovery effort that focused on helping businesses stay open and preserve and create jobs,” she said. “We took the gross processing fees that we earned from administering the Paycheck Protection Program for the government in 2020 and we put that back into the small

“Black businesses tell a story and connect with the community on a different level than large corporations. Small Black businesses are more likely to hire within our community and give opportunities to people that have not had the same opportunities as us.”

business community to the tune of roughly $420 million and we created the Open for Business Fund.”

Lofton noted that the funding from Wells Fargo allowed him to keep paying his employees in spite of the company’s lack of constant business. It was also explained that the support

of long-time customers and the community at large helped keep the doors of the historic tailor shop open .

“We’ve been in business so long that we have a lot of longtime clients and I had a couple of clients that offered me loans because they didn’t want to see us shut down. People brought us stuff to make sure we survived,” Lofton said.

Opare was also a recipient of the funding provided by Wells Fargo, noting that

Photo courtesy of JC Lofton Tailors

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION

ADMINISTRATION NO. 2024ADM000858

SUZETTE SAMPEUR AKA

MARIE-ANGE SUZETTE SAMPEUR Name of Decedent

NICKEY EARLINE PATTERSON 6710 OXON HILL ROAD SUITE 210 OXON HILL, MD 20745 Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

MIKARL RICHARD SAMPEUR, whose address is 2255 VALENTANO DRIVE, DUBLIN, CA 94568 was appointed Personal Representative of the estate of SUZETTE SAMPEUR AKA MARIE-ANGE SUZETTE SAMPEUR who died on DECEMBER 06, 2023 with a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 02, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 02, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: AUGUST 02, 2024 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

MIKARL RICHARD SAMPEUR Personal Representative TRUE TEST COPY REGISTER OF WILLS 8/02, 8/09,8/16/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000881

Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 02, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: AUGUST 02, 2024 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers PATRICK ANDREW HUGGINS Personal Representative TRUE TEST COPY REGISTER OF WILLS 8/02, 8/09, 8/16/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000840

JOYCE A. HARIS AKA JOYCE

ALICE L. LOGAN Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs CHRISTINE HOWELL, whose address is 2203 SCOTT KEY DRIVE DISTRICT HEIGHTS, MD 20747 was appointed Personal Representative of the estate of ALICE L. LOGAN who died on JUNE 09, 2024 with a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 09, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 09, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: AUGUST 09, 2024 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

CHRISTINE HOWELL Personal Representative TRUE TEST COPY REGISTER OF WILLS 8/09, 8/16, 8/23/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000754 ELIJAH SUITT Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

DENISE S. ANTHONY, whose address is 12004 MANCHESTER WAY BOWIE, MD 20720 was appointed Personal Representative of the estate of ELIJAH SUITT who died on NOVEMBER 16, 2023 with a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 09, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 09, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: AUGUST 09, 2024 Name of newspaper and/or periodical: Washington Law Reporter

AFRO American Newspapers

DENISE S. ANTHONY Personal Representative

TRUE TEST COPY REGISTER OF WILLS 8/09, 8/16, 8/23/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA

PROBATE DIVISION

ADMINISTRATION NO. 2024ADM000889 HINTON G BATTLE JR. Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

LETTIE TRICE BATTLE, whose address is 29 GIRARD

STREET NE WASHINGTON DC 20002 was appointed Personal Representative of the estate of HINTON G. BATTLE JR. who died on JANUARY 30, 2024 without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 09, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 09, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: AUGUST 09, 2024 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers

LETTIE TRICE BATTLE Personal Representative TRUE TEST COPY REGISTER OF WILLS 8/09, 8/16, 8/23/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000871 JEROME BERNARD HERGENREDER Name of Decedent

MITCHELL I. ALKON, ESQUIRE 6110 EXECUTIVE BLVD STE 300 ROCKVILLE MD 20852 Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs KATHERINE LEIGH HERGENREDER, whose address is 3516 BRADLEY LANE, CHEVY CHASE MD 20815 was appointed Personal Representative of the estate of JEROME BERNARD HERGENREDER who died on JUNE 06, 2024 without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 09, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 09, 2025 or be forever barred.

Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: AUGUST 09, 2024 Name of newspaper and/or periodical: Washington Law Reporter

AFRO American Newspapers

KATHERINE LEIGH HERGENREDER Personal Representative

TRUE TEST COPY

REGISTER OF WILLS 8/09, 8/16, 8/23/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000851 MARY EPPS Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs

JIMMIE EPPS, whose address is 71 POTOMAC AVE

SE APT 710 WASHINGTON DC 20003 was appointed

Personal Representative of

Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 09, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 09, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship. Date of first publication: AUGUST 09, 2024 Name of newspaper and/or periodical: Washington Law Reporter AFRO American Newspapers KRISTIE PALMER Personal Representative TRUE TEST COPY REGISTER OF WILLS 8/09, 8/16, 8/23/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000894 KEITH DORIAN CRAVEN Name of Decedent HEATHER CHERRY ESQUIRE THE CHERRY LAW OFFICE LLC 9701 APOLLO DRIVE SUITE 100 UPPER MARLBORO MD 20774 Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs LISA CRAVEN DARLINGTON, whose address is 5603 CAMP SPRINGS

Payment Policy for legal notice advertisements.

Effective immediately, The Afro American Newspapers will require prepayment for publication of all legal notices

Payment will be accepted in the form of checks, credit card or money order. Any returned checks will be subject to a $25.00 processing fee and may result in the suspension of any future advertising at our discretion.

LEGAL NOTICES

ANNE ARUNDEL COUNTY, MARYLAND Annapolis, Maryland ANNOUNCEMENT REQUEST FOR BIDS

On or after August 5, 2024, Plans and Specifications may be obtained from the Anne Arundel County Web Page at the following address: https:// www.aacounty.org/departments/central-services/purchasing/P.O.R.T./ bids/index.html . Bids will be received until time/date shown below, please submit your bid electronically via the PORT. Bids received after the date and time set will be rejected.

Due by 1:30 p.m. Local Time, Tuesday, September 10, 2024 Project: P584501 – Jug Bay Environmental Education Center Sonication No.: CAP25000031

Contact: Julio Jimenez – 443-336-4648

CITY OF BALTIMORE DEPARTMENT OF TRANSPORTATION NOTICE OF LETTING

Sealed Bids or Proposal for the TR-24015, URGENT NEED CONTRACT, CITYWIDE will be received at the Office of the Comptroller, Room 204, City Hall, Baltimore, Maryland until SEPTEMBER 4, 2024, at 11:00 A.M. to receive Bids. Positively no bids will be received after 11:00 A.M. The bids will be publicly opened by the Board of Estimates in Room 215, City Hall at Noon. As of AUGUST 9, 2024, the Contract Documents may be examined, without charge by contacting Brenda Simmons at brenda.simmons@baltimorecity.gov or (443) 865-4423 to arrange for a copy of the bid book labeled “NOT FOR BIDDING PURPOSES” to be emailed to you. Anyone who desires to purchase a bid book to be used for bidding purposes must do so in person and by contacting Brenda Simmons at the email address or phone number above. The non-refundable cost is SEVENTY -FIVE DOLLARS AND NO CENTS ($75.00) Department of Transportation 417 E. Fayette Street, Baltimore, Maryland 21202 made payable to the Director of Finance. Conditions and requirements of the Bid are found in the bid package. All contractors bidding on this Contract must first be prequalified by the City of Baltimore Contractors’ Qualification Committee. Interested parties should call (410) 396-6883 or contact the Committee at 4 S. Frederick Street, 4 th Floor, Baltimore, Maryland 21202. If a bid is submitted by a joint venture (“JV”), then in that event, the document that established the JV shall be submitted with the bid for verification purposes. The Prequalification Categories required for bidding on this project are A02602 (Bituminous Paving) and D02620(Curbs, Gutters & Sidewalk). Cost Qualification Range for this project will be from $3,000,000.00 to $4,000,000.00. A “Pre-Bidding Information” session will be conducted via Microsoft Teams on AUGUST 23,2024 at 10:00 a.m. hosted by the Department of Transportation. All Bidders must email your contact information to include your name, company name, phone number and email address to uttam.khadka@baltimorecity.gov to receive an invite to the Microsoft Team (video conference meeting). Principle Items of work for this project are: Superpave Asphalt 12.SMM and 19.0MM and Various Mix 2,840 Tons; Curbs, Curbs & Gutters 4,000 LF; Sidewalk 24,400 SF. The MBE Goal is 20%; The WBE Goal is 11%. APPROVED: Celeste Amato, Board of Estimates

HOUSING AUTHORITY OF BALTIMORE CITY INVATATION FOR BIDS

CLASS 1 & 2 VANS, PICKUP TRUCKS AND SUVS HABC IFB NUMBER: B-2016-24 IFB NUMBER: B-2016-24

The Housing Authority of Baltimore City (“HABC”) will issue an Invitation for Bids (“IFB”) for interested and qualified vendors to supply Class 1 & 2 Vans, Pickup Trucks and SUVs.

BIDS WILL BE DUE no later than 2:00 p.m. Eastern Time on Friday, August 30, 2024

A non-mandatory pre-bid conference will be held on Wednesday, August 28, 2024, at 10:00 a.m., which will be scheduled as a virtual meeting.

BOARD OF LIQUOR LICENSE COMMISSIONERS FOR BALTIMORE CITY NOTICE – AUGUST 2024

Petitions have been filed by the following applicants for licenses to sell alcoholic beverages at the premises set opposite their respective names. The real property for these applications will be posted on or about August 19, 2024. Written protests concerning any application will be accepted until and including the time of the hearing. Public hearings may be scheduled on or after August 29, 2024 at 10:30 AM in City Hall; 100 N. Holliday Street, Room 215, Baltimore, Maryland 21202. Please visit llb.baltimorecity.gov under the link for "Hearing Schedules" for confirmation of the date, time, and place for all matters being heard by the Board.

1. CLASS “A” BEER, WINE & LIQUOR LICENSE

Applicant: Prapti Deep, LLC T/a Geri’s Liquors - Surendra Banjade

Petition: Transfer of ownership requesting delivery of alcoholic bever-

ages

Premises: 2200 N. Charles Street 21218

(City Council District: 12th; State Legislative District: 43A)

Applicant: Oksu, Inc. T/a Eaton Liquors - Su Ho Jung and Ok Ju Jung

Petition: Transfer of ownership

Premises: 101 S. Eaton Street 21224

(City Council District: 2nd; State Legislative District: 46th)

2. CLASS “B” BEER, WINE & LIQUOR LICENSE

Applicant: Rayne Supreme, LLC T/a Trade Name Pending - Valencia

Guess Petition: New restaurant license requesting delivery of alcoholic beverages

Premises: 617 N. Duncan Street 21205

(City Council District: 13th; State Legislative District: 45th)

Applicant: District Jerk, Inc. T/a Jerk at Nite - Denville Myrie and Loic

Samy

Petition: New restaurant license requesting live entertainment

Premises: 21 N. Eutaw Street 21201

(City Council District: 11th; State Legislative District: 40th)

Applicant: Fred and Margies, LLC T/a Fred & Margie’s - Keshav

Dahal and Larry Lair

Petition: Transfer of ownership with continuation of live entertainment

Premises: 3603-05 Fairhaven Avenue 21226

(City Council District: 10th; State Legislative District: 46th)

Applicant: The BeeGee’s Lounge, LLC T/a The BeeGee’s Lounge - Luis F. Cabrera, Oluwagbenga Ofi, and Bolaji Amoo

Petition: New restaurant license requesting live entertainment, outdoor table service, and off-premises catering

Premises: 4528 Harford Road 21214

(City Council District: 3rd; State Legislative District: 45th)

Applicant: Loving Every Endeavor-Lee Investments, LLC T/a PapillonsLarry Darnell Lee, Jr. and Monica Lee

Petition: New restaurant license requesting live entertainment, outdoor table service, off-premises catering and delivery of alcoholic beverages

Premises: 110 St. Paul Street 21202 (City Council District: 11th; State Legislative District: 46th)

3. CLASS “B”, BEER, WINE & LIQUOR LICENSE (ARENA)

Applicant: Levy Baltimore Convention Center, LLC T/a Baltimore Convention Center - Elizabeth Anne Shakespeare

Petition: Transfer of ownership

Premises: 1-3 W. Pratt Street 21201 (City Council District: 11th; State Legislative District: 46th)

4. CLASS “B”, BEER, WINE & LIQUOR LICENSE (HOTEL-MOTEL)

Applicant: 19 S Charles Hotel, LLC T/a Sonesta Baltimore Inner Harbor - Stefan Popescu

Petition: New Hotel-Motel license requesting live entertainment, off-premises catering and delivery of alcoholic beverages

Premises: 15-19 S. Charles Street 21201

(City Council District: 11th; State Legislative District: 46th)

5. CLASS “BD7” BEER, WINE & LIQUOR LICENSE

Applicant: Gunther Retail, LLC T/a Trade Name Pending - David Westcott Wells Obrecht

Petition: Amended – Transfer of ownership and location of a Class “B”

The

1.

2. Expertise in providing:

A. Field work, Data * field investigations

utility assessments * surveying

design investigations and research * Geographic Information Systems (GIS)

* AutoCAD

B. Design Services * design of new and rehabilitation of

and

mains of various material types including but not limited to ductile iron, steel, HDPE, PCCP, RCP etc.

* sizing of water mains

* design studies

* design reviews

* utility coordination

* contract documents development (drawings, specifications and cost estimates)

* reporting

* quality control * coordination of procurement processes of water main projects

C. Design and Construction Administration Support Services

* geotechnical engineering

* subsurface utility investigations

* preparation of traffic control plans

* erosion and sediment control plans

* permit applications

* construction sequencing

* corrosion protection

* bid-phase assistance

*post-award services during construction

D. Permitting and Legal Access

* right-of-way/ right-of-entry acquisitions

* permit applications

3. Expertise in decision-making and providing detailed recommendations to determine the method of water main improvements and knowledge of alternative methods and technology for replacement and rehabilitation.

4. Expertise in responding to water system emergencies involving water main and components by assessing the situation and recommending corrective measures, preparing fast-track design or sketches to address water system emergencies as needed.

The entire IFB can be viewed and downloaded by visiting https://habc. bonfirehub.com/projects on or after Monday, August 26, 2024 Questions regarding the IFB should be directed in writing to the address and individual indicated below and must include the reference: HABC IFB Number B-2016-24.

Housing Authority of Baltimore City Division of Fiscal Operations, Procurement Department 417 E. Fayette Street, Room 414 Baltimore, Maryland 21202 Attention: James Mobley, Senior Buyer Tel: 410-396-3105 james.mobley@habc.org

HOUSING AUTHORITY OF BALTIMORE CITY INVATATION FOR BIDS

CLASS 3, 4 & 5 TRUCKS

HABC IFB NUMBER: B-2017-24 IFB NUMBER: B-2017-24

The Housing Authority of Baltimore City (“HABC”) will issue an Invitation for Bids (“IFB”) for interested and qualified vendors to supply Class 3, 4 & 5 trucks.

BIDS WILL BE DUE no later than 2:00 p.m. Eastern Time on Friday, August 30, 2024

A non-mandatory pre-bid conference will be held on Wednesday, August 28, 2024, at 11:00 a.m., which will be scheduled as a virtual meeting. The entire IFB can be viewed and downloaded by visiting https://habc.bonfirehub.com/projects on or after Monday, August 26, 2024

Questions regarding the IFB should be directed in writing to the address and individual indicated below and must include the reference: HABC IFB Number B-2017-24.

Housing Authority of Baltimore City Division of Fiscal Operations, Procurement Department 417 E. Fayette Street, Room 414 Baltimore, Maryland 21202

Attention: James Mobley, Senior Buyer Tel: 410-396-3105 james.mobley@habc.org

BWL license presently located at 3500 Boston Street to 3600 Boston Street, Suite 20 and to convert current Class “B” BWL license to a Class “BD7” BWL license, requesting live entertainment, off-premises catering, and delivery of alcoholic beverages. Premises: 3600 Boston Street, Suite 20 21224

CERTIFICATION OF PUBLICATION CITY OF BALTIMORE OFFICE OF BOARDS AND COMMISSIONS PUBLIC NOTICE

PROJECT NO. 1380 – ENGINEERING AND DESIGN SERVICES FOR THE WATER MAIN REPLACEMENT PROGRAM

The City of Baltimore, Office of Boards and Commissions, has been requested by the Department of Public Works, Office of Engineering and Construction (OEC), to advertise for services from qualified civil engineering firms to perform design and engineering services for themHorizontal Water Utility Section’s water main replacement program. The City intends to select engineering services of two (2) firms for a period of three (3) years with one two (2) year

at

the amount of $5,700,000. Each

shall be

a

of $2,850,000. DPW reserves the right to have a second interview with the

firms. This project will be managed by Tarnisha Bailey. Should you have any questions regarding the scope of the project, please contact Tarnisha Bailey at (410) 396-8189 or

Black business events in the D.C., Maryland and Virginia area

By Ariyana Griffin AFRO Staff Writer agriffin@afro.com

In honor of National Black Business Month, the AFRO is publicizing a range of free events during the month of August. From information sessions and job fairs to networking events, take a look below to learn about programming aimed at helping Black business owners thrive.

The Whiting-Turner Contracting Company: Get Down To Business

The Whiting-Turner Contracting Company will host a networking event for minority, women-owned, and small subcontractors and vendors around the DMV area to connect. It will also allow attendees to help merge a relationship with the contracting company. They will have representatives available to help with the subcontractor prequalification process.

Date: Aug. 21

Time: 8 a.m. - 10 a.m.

Location: The Whiting-Turner Office 6305 Ivy Lane, Suite 520, Greenbelt, MD 20770

Cost: Free

Black Business Fair

Come support local entrepreneurs at the after-hours market full of Black-owned businesses to celebrate Black Business Month. There will be various vendors selling handmade items, providing wellness services, gourmet gifts and so much more. Also the first 100 attendees will receive a ticket for a free ice cream scoop from Taharka Brothers.

Date: Aug. 23

Time: 5 p.m. - 7 p.m.

Location: Towson Library

320 York Road, Towson, MD, 21204

Cost: Free

Black Business Soiree

The Maryland Black Chamber of Commerce will host a Black Business Soiree to celebrate Black businesses in the Prince George’s County area. The event will provide support and the opportunity for business owners to grow through education, networking and advocacy.

Date: Aug. 29

Time: 5:30 p.m. - 7:30 p.m.

Location: 4400 Forbes Boulevard #Suite B Lanham, MD 20706

Cost: $25

Black CEO Club Pop-Up Shop and Networking Party

Take the opportunity to mingle with entrepreneurs and grow your professional network and make meaningful connections. There will also be an opportunity to shop and support various Black businesses at the pop-up shop.

Date: Aug. 31

Time: 2 p.m. - 7 p.m.

Location: Largo, MD 20774

Address available upon registration on Eventbrite. Cost: Free

Black Investors Matter Seminar

Black Investors Matter will host their Black Investors Matter Seminar on Aug. 22 from 6 p.m. to 9 p.m. at the Anacostia Arts Center. Attendees are invited to enjoy an evening of networking, learning and empowerment as all things related to Black finances are discussed.

Date: Aug. 22

Time: 6 p.m.- 9 p.m.

Location: Anacostia Arts Center 1231 Marion Barry Avenue Southeast Washington, D.C. 20020

Cost: Free, however reservation is required. To register for this event, please visit the Black Investors Matter page on Eventbrite.

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000891

LAKEESHA MASHAUN BUTLER Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs CARROL STALLINGS ADAMS, whose address is 447 CHEROKEE DRIVE, NORTH AUGUSTA SC 29841 was appointed Personal Representative of the estate of LAKEESHA MASHAUN BUTLER, who died on JULY 14, 2024 without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 16, 2025. Claims against the decedent shall be presented to the undersigned with a copy to the Register of Wills or filed with the Register of Wills with a copy to the undersigned, on or before FEBRUARY 16, 2025 or be forever barred. Persons believed to be heirs or legatees of the decedent who do not receive a copy of this notice by mail within 25 days of its publication shall so inform the Register of Wills, including name, address and relationship.

Date of first publication: AUGUST 16, 2024

Name of newspaper and/or periodical: Daily Washington Law Reporter

AFRO American Newspapers

CARROL STALLINGS ADAMS Personal Representative

TRUE TEST COPY REGISTER OF WILLS 8/16, 8/23, 8/30/24

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION 2024FEP000093 JUNE 8, 2007 Date of Death VINCENT RONNIE JONES Name of Decedent NOTICE OF APPOINTMENT OF FOREIGN PERSONAL REPRESENTATIVE AND NOTICE TO CREDITORS

GWENDOLYN C. FORD whose address is 6499

WINDWARD PLACE, NW BREMERTON, WA 98312 was appointecd representative of the estate of VINCENT RONNIE JONES deceased, by the SUPERIOR COURT Court for KITSAP County, State of WASHINGTON, on NOVEMBER 18, 2008. Service of process may be made upon THECLA BETHEL, ESQ. 316 14TH PLACE NE WASHINGTON, DC 20002 whose designation as District of Columbia agent has been filed with the Register of Wills, D.C. The decedent owned the following District of Columbia real property: 1950 2ND STREET NW WASHINGTON DC 20001. Claims against the decedent may be presented to the undersigned and filed with the Register of Wills for the District of Columbia, Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001 within 6 months from the date of first publication of this notice.

Date of first publication: AUGUST 16, 2024 Name of newspaper, and/or periodical: Daily Washington Law Reporter AFRO-American GWENDOLYN C. FORD Personal Reperesenative

8/16, 8/23, 8/30/24

Black Business Showcase

The Black Business Showcase will provide an opportunity to support and shop with Black business owners on Aug. 23 in Springfield, Va. Vendors will have a variety of products from dessert treats to home decor. Be sure to celebrate National Black Business Month by patronizing a Black business!

Date: Aug. 23

Time: 2 p.m. - 7 p.m.

Location: Springfield Mall 6500 Springfield Mall Town Center Springfield, VA 22150

Cost: Free

BIT Alexandria Presents: Black Business Tech Spotlight

The Alexandria Chapter of Blacks in Technology will celebrate National Black Business Month with a spotlight on tech businesses and consulting firms owned by Black entrepreneurs. Find your way to Glue Up, located in Mclean, Va., for a night of networking on Aug. 29. The event will include discussions on how to use technology to improve and sustain Black businesses, and provide space for Black techies to share their experiences.

Date: Aug. 29

Time: 6 p.m. to 8 p.m.

Location: Glue Up 1600 Tysons Boulevard #Suite 400 McLean, VA 22102

Cost: Free

Cost: Free Aria Brent AFRO Staff Writer

Start Simple- Youth Entrepreneurship Monthly Meeting On the fourth Monday of each month youth in the Norfolk area can take advantage of programming aimed at putting young people on the path to entrepreneurship. Participants are able to explore their interests, learn about business concepts, budgeting and business planning. Goal setting is a crucial component, along with discussion on topics like responsibility.

Date: Aug. 26

Time: 5 p.m. to 7 p.m.

Location: Black BRAND 520 East Main Street, Suite 4 Norfolk, VA

SUPERIOR COURT OF THE DISTRICT OF COLUMBIA PROBATE DIVISION ADMINISTRATION NO. 2024ADM000893 MARY ALZERLEEN SMITH Name of Decedent Notice of Appointment, Notice to Creditors and Notice to Unknown Heirs RENEE M. SMITH, GABRIELLE D. DUBOSE, KELLY C SMITH, whose address is 1313 ROXANNA ROAD NW WASHINGTON DC 20012 was appointed Personal Representative of the estate of MARY ALZERLEEN SMITH, who died on MARCH 17, 2024 without a Will and will serve without Court supervision. All unknown heirs and heirs whose whereabouts are unknown shall enter their appearance In this proceeding. Objections to such, appointment shall be filed With the Register of Wills, D.C., Building A, 515 5th Street, N.W., 3rd Floor, Washington, D.C. 20001, on or before FEBRUARY 16, 2025. Claims against the decedent shall be presented to the undersigned with a copy to