Business Journal 155

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BUSINESS JOURNAL

Entrepreneur | Business | Education and Career | Finance | Legal | Real Estate | Technology | Insurance

July 2020

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Inspire, Inform & Educate

|

155th Edition

Women in the

Roofing Industry

Chyna “The Roofing Lady” Gragg 8-9

INSIDE

10

Mayor Turner announces Virtual Town Hall Focused on Mental Health

11

Delta Education and Charitable Foundation: 2020 Scholarship Award Program

10

Earl Lewis Thomas: A Life Dedicated to Service and Achievement

July 2020 | 3

PUBLISHER’S MESSAGE

MR. D-MARS CERTIFIED:

HMSDC

d-mars.com is proud to share the success stories of African American businesses and civic and community leaders. We know that success does not always come easy and it is not always measured in money. How have you helped your fellow entrepreneur? Have you supported your locally-owned African American business?

Have you donated to a nonprofit that is working in our underserved communities?

Questions to think about and actions to take.

This month’s issue highlights Roofing Designs by JR, LLC, a GAF and OSHA certified business as well as a member of the National Roofing Contractors Association and Houston BBB. This

Port of Houston

BEHIND THE JOURNAL PUBLISHER & CEO Keith J. Davis, Sr. COO & MANAGING EDITOR Kimberly Floyd ACCOUNTING MANAGER Eugenie Doualla STAFF WRITER Carly Hammack ART DIRECTOR Angel Rosa DISTRIBUTION Rockie Hayden PHOTOGRAPHY L.C. Poullard Grady Carter CONTRIBUTING WRITERS Noel Pinnock Stacy M. Brown d-mars.com

“I see what’s possible when we recognize that we are one American family, all deserving of equal treatment.“

METRO

-Barack Obama

City of Houston

minority woman-owned company got its start in residential roofing. Since day one they have been providing unforgettable service to homeowners across the state of Texas. Founder Chyna Gragg and her crew take personal pride in every roof they replace, treating every home as if it were their own. Roofing Designs is rolling out their new financing program, which allows customers to improve their home and make the necessary repairs without laying out all the cash at once.

As always, thank you for your continued support of d-mars.com. When you support us, you are supporting more than just our company; you are supporting the communities in which we live and work. Working together, we can succeed in making positive things happen

HISD

CONTENTS 04 BUSINESS 04 Black Workers More Likely to Face Retaliation for Raising Coronavirus Concerns 04 Texas One of Best States for Businesses to Survive COVID-19 Economic Turmoil 06 “Leadership without Followership is Simply Walking” 12 Nearly 500 Small Businesses File Bankruptcy Using Increased Eligibility Limit Since February 23-26 LAWYER 23-26 Attorney Willie Powells: Finding His Passion in Personal Injury Law 10 DID YOU KNOW? 10 Earl Lewis Thomas: A Life Dedicated to Service and Achievement 10 MAYOR’S OFFICE 10 Mayor Turner announces Virtual Town Hall Focused on Mental Health, Healing and Wellness in the Houston Community Registration Now Open for Event with the H.E.R. Task Force.

11 EDUCATION & CAREER 11 Delta Education and Charitable Foundation: 2020 Scholarship Award Program 08-09 COVER STORY 08-09 Roofing Designs by JR, LLC: Standing Out Among the Rest 13-20 HEALTH & WELLNESS JOURNAL 14 A guide to virtual health care: 4 common telehealth myths debunked 16 A Journey Through COVID Testing 16 Leading By Example During COVID-19 18 Fuel your fitness at home: 5 tips and tricks

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VBE

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22 FINANCE 22 Eight Quick Tips for Saving Money 28 TECHNOLOGY 28 Report: Navigating the Changing Nature of Work

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4 | July 2020 BUSINESS

Black Workers More Likely

to Face Retaliation for Raising Coronavirus Concerns

By Stacy M. Brown NNPA Newswire

A

s more corporations jump into the fray, offering statements of support for African Americans in the aftermath of the police killing of George Floyd and the ensuing protests, a new study reveals that many companies’ actual policies and practices contradict their public statements.

With just a small amount of research, short-term marketing and public relations positioning using words proclaiming empathy, understanding and support of Black causes can too often be found to be in direct contrast of long-term human resources dictates.

A survey by the National Employment Law Project (NELP) about working conditions during the COVID-19 pandemic confirms that corporate America has treated Black workers categorically worse than White workers during the pandemic.

African Americans were twice as likely to answer “Yes,” or “Maybe,” when asked if they or anyone at their company had been punished for raising COVID-19 safety concerns. The survey found that Black workers were roughly twice as likely to have been retaliated against by their employers for speaking up about health concerns and requesting time off work.

For instance, Amazon fired Black and brown workers who have organized to demand more substantial health and safety protections. Thousands of Instacart workers, many of whom are women of color, are reportedly waiting for face masks and hand sanitizer promised months ago.

Three out of four Black workers who took the survey said they showed up to work during the pandemic even though they believed they might have been seriously risking their health or the health of family members. Less than half of White workers said they had done the same.

“Our results suggest that virus transmission in the workplace may be exacerbated by employer repression and that the disproportionate impact of COVID-19 on Black communities may be related to greater exposure of Black workers to repressive workplace environments,” the study’s authors wrote.

“While Black workers at any given worksite tend to be treated worse than their white counterparts, the study’s authors suggest that Black workers, as a whole, tend to work in more repressive environments than White workers,” noted vice.com.

The higher likelihood of retaliation that Black workers face means fewer of them feel safe reporting concerns or have had their concerns addressed.

The survey found that Black Workers were more

than twice as likely to have unresolved concerns about coronavirus at their workplace than their White counterparts.

Thirty-nine percent of workers surveyed reported that they had either raised concerns to their employer and did not receive a satisfactory response or did not out of fear of retaliation.

Meanwhile, only 18 percent of White workers found themselves in the same position.

“This is saddening to hear and somewhat unsurprising. I can’t believe the world we live in. Still, as I have lived in it for a great number of years, I am actually thankful that such practices are coming to light now,” Andrew Taylor, the director of the Net Lawman. This firm provides legal document templates

and law-related services to individuals and businesses who are looking for an alternative to using a traditional firm of lawyers.

“My thoughts on this study pushed me to ask about the segregation of employment and where these people are working. Obviously, we must focus on the roles Black workers are in to make changes from here.”

Amit Raj said he was working part-time as a pharmacist earlier this year when he raised concerns.

“As we were working within an office within a warehouse where there were almost no changes to working practice despite the pandemic. Since we were deemed an ‘essential service,’ we were also not allowed to work from home,” Raj stated in an email.

“Despite bringing this up on many occasions and management being aware, I was first just ignored. And was soon demoted from an assistant manager position,” he said.

“However, the reason given for the demotion was that my part-time hours were not allowing me to manage effectively. I have now decided to place my focus on my digital marketing business.”

Raj has since founded Amit Digital Marketing.

Talia Fox, the CEO of KUSI Training, a global transformational leadership development firm, said in an email that the study concerns her mostly because of her two sons who have to work in the current environment.

“I have two sons and wear three hats, mother, Black woman, leadership strategist. If I am honest, I am afraid, afraid of the challenges my two young black men will face in the world,” Fox noted via email.

“When my fear settles, it turns to anger, and I wonder why people are not doing anything. I want to blame someone, anyone for the injustices in the world,” Fox noted.

“Then, my anger leads me to look in the mirror. What do I have to give? What is my role in this? I am a leadership strategist and an educator. I have seen knowledge, understanding, and strategy, and implementation transform businesses and inspire people to drive and lead change, which anchors my hope that a better future is possible for my two black men.”

Source: NNPA

BUSINESS

Texas One of Best States for Businesses to Survive COVID-19 Economic Turmoil

By Maggie Martin News Provider

T

exas is one of the best states for businesses to weather economic challenges brought on by COVID-19.

As reported by InnovationMap, a new study from Fit Small Business ranked Texas #3 when it came to business owners weathering the economic fallout from the pandemic. Ohio and South Dakota

ranked #1 and # 2 respectively. New York was last.

The study analyzed several metrics, including infection rates, consumer confidence and overall financial health.

Texas ranked #1 in the Emergency Reserves & Relief category, which considered the overall reserve of funds the state has to help provide financial relief to those affected by the pandemic. The study noted the state's adequate economic reserves and unemployment compensation. Authors also cited an article by

Reserve Bank of Dallas, who called Texas "the case study for economic recovery from the COVID-19 recession."

The study also pointed to the state's diversified economy, noting it as a key aspect of a state's ability to recover, and said while Texas has felt some affects of the economic downturn, it has enough resources to weather the storm.

Richard Fisher, former president and CEO of the Federal

Experience Our World of Advertising, Marketing, Media and Communication

Source: Greater Houston Partnership

July 2020  |  5

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6 | July 2020 BUSINESS

Leadership without Followership is Simply Walking

By Noel Pinnock Contributing Writer

Y

ogi Berra was inducted into the Baseball Hall of Fame in 1972 and is considered by many to be the greatest Major League Baseball catcher ever. He was a 15x All-Star, 13x World Series winner, and 3x AL MVP. He also went to the World Series as a manager with the Yankees and with the New York Mets, winning with the 1969 “Miracle Mets”. But, to many, Berra is most (in) famous for his colorful quotes, known as Yogiisms. One of Berra’s Yogissms directly applies to this months D-mars business journal that is published to inspire, inform, and educate its readers in the month of July on economic development.

Berra once said, “A nickel ain’t worth a dime anymore!” I know that you can definitely relate and attest to the notion that we are living in tight economic times, and it behooves businesses to explore more creative and strategic ways to utilize their resources effectively and efficiently. In D-mars 41st Business Journal Edition, I wrote: “The difference between a viable and unviable business is equivalent to the difference between doing right things and doing things right. Although it is of high importance to do right things, it is just as critical to ensure you doing things right.”

If you want to maintain a competitive edge or a prominent presence in your industry, then you will have to re-examine the way your company leverages scarce resources, (wo)manpower, materials, methods, machines and money. The resources are scarce because they are limited in supply. There are never enough. If they were unlimited, we could continue to through them at a problem until the problem is solved. But the limited nature of resources is the major reason it is paramount that businesses (non-profit, government, municipal, private companies, etc.) must decide how to best use them.

Economic development is extremely important as it is essential to generating new employment, retaining existing jobs and stimulating industrial and

commercial growth. So, how do we maximize our resources to reach increased levels of proficiency and profitability in order to grow and survive? Well, it will require leadership, direction and transparency. Leaders within your organization must be empowered to lead and make real-time decisions that support their business units.

Rosalyn Carter once wrote, “Good leaders take people where they want to go but great leaders take people where they do NOT want to go but ought to be!”

An important part of leadership involves casting vision. Some leaders forget to cast vision because they get caught up in managing. True leaders recognize a difference between leaders and managers.

Managers are maintainers, tending to rely on systems and controls. Leaders are innovators and creators who rely on people. Creative ideas become reality when people who are in a position to act catch the vision of their innovative leader. An effective vision provides guidance. It gives direction for an organization . . . direction that cannot effectively result from rules and regulations, policy manuals or organizational charts. True direction for an organization is born with a vision. It begins when the leader accepts it. It gains acceptance when the leader models it.

And it becomes reality when the people respond to it. Therefore, a transformation leader is the one that creates a vision where position incumbents transform their vision into reality…are you a transformational leader? If you believe that you are…remember this: leadership without followership is merely taking a walk and the ROI will be transparent in those you are leading and inspiring. #getatit

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For more information on diversity at H-E-B, visit

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©2008 H-E-B Food Stores

July 2020  |  7

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8 | July 2020

“So kn offe tra our t

Chyna “The Roofing Lady” Gragg

MINORITY WOMANOWNED BUSINESS IS CHANGING THE ROOFING GAME By d-mars.com News Provider

C

hyna “The Roofing Lady” Gragg has a long history of setting herself apart.

After obtaining a BBA in Business Management from Georgia State University and an MBA in Business Administration from Southern Arkansas University and having a successful career as catastrophe adjuster, she went on to start one of the only black and woman-owned roofing companies.

In its fourth year of business, Roofing Designs by JR, LLC is thriving, and one thing that Gragg has continued to excel at is setting herself apart from industry competitors.

Roofing Designs, a GAF and OSHA certified business as well as a member of the National Roofing Contractors Association and Houston BBB, got its start in residential roofing. Since day one they have been providing unforgettable service to homeowners across the state of Texas.

Gragg and her crew take personal pride in every roof they replace, treating every home as if it were their own.

“We love our residential projects because we get to interact with homeowners, which allows more personal

Chyna “The Roofing Lady” Gragg gives powerful speech at 2020 Top 50 P&E about the importance of women in construction. connections than our work on commercial projects,” Gragg said. “We treat every home as if it was our home and make sure to carry a continued dignity and respect in our work.”

Roofing Designs’ assurance that every customer is satisfied has done more than give them a stellar reputation. While Gragg has utilized and benefitted from traditional advertising methods, the greatest source for continued, abundant business has been the word-of-mouth praise and referral from previous clients.

“So many of our clients referred us to people they knew,” Gragg said.

“They loved what we had to offer and the services we provided. They saw the transformation we are able to achieve. Some of our transformations have stopped traffic in neighborhoods. It totally changes the curb appeal of the homes.”

Another aspect that sets Gragg and her roofing company apart is the value placed in every position of her team. From the person responsible for picking up jobsite trash to the foreman on the roof to her position as the business owner, she believes every part carries equal weight.

“A lot of owners just sit in the truck or don’t even come to job site,” Gragg said. “But I’m very hands on. Through previous jobs, I learned a lot. When you under pay your labor, you get poor results. We have a happy work force. Everybody is important. If one person doesn’t do their job, it sabotages the whole project. No one

Experience Our World of Advertising, Marketing, Media and Communication

C

July 2020 | 9

o many of our clients referred us to people they new,” Gragg said. “They loved what we had to er and the services we provided. They saw the ansformation we are able to achieve. Some of transformations have stopped traffic. It totally changes the curb appeal of the homes.”

Chyna “The Roofing Lady” Gragg 5970 N. Sam Houston Pkwy E Ste. 501 | Humble, TX 77396 Roofingdesigns.com info@roofingdesigns.com 832.899.4000

Chyna “The Roofing Lady” Gragg receives award for 2020 Top 50 Professionals and Entreprenuers.

would be surprised to see me out there on site picking up the trash. I am not too good. Every job on site is just as important as the next.”

Gragg’s compassionate leadership style carries beyond the treatment of her staff and over into the needs she is willing to meet for her clients.

The COVID-19 Pandemic has created great financial struggles for many people, and even though some sources of income may have stopped, the demands of life have not.

“I have clients who are in desperate need of roofing repairs but don’t have the money to pay for them right now,” Gragg said. “So, I wanted to offer them the option to have their needs met and be able to pay at a later date. We are able to do that through our new financing program.”

Roofing Designs has several financing packages available, an example of one being 24 months with no payments and no interest. These types of programs allow the customer to improve their home and make the necessary repairs without laying out all the cash at once.

“We created this program in response to the COVID-19 pandemic,” Gragg said. “This pandemic isn’t going to last forever, but I want to be able to give people some sense of security.”

In addition to having financing options available, every client of Roofing Designs receives a weather stopper warranty for 50 years. This applies to all GAF materials used in roofing restorations. Also, Roofing Designs provides a five-year labor warranty.

Whatever the clients roofing needs are, Gragg and her team are capable and ready to meet those needs.

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10 | July 2020 DID YOU KNOW?

MAYOR’S OFFICE

EARL LEWIS THOMAS

A Life Dedicated

to Service and Achievement By d-mars.com News Provider

T

he fourth of seven children born to Jimmie and Mae Frances (Thomason) Thomas, Earl Lewis Thomas was born on Monday, October 4, 1948 in Greenville (Hunt County) Texas. Earl attended the Booker T. Washington Elementary School and George Washington Carver and Greenville High Schools, graduating in 1967.

He was recruited with a scholarship by the University of Houston (UH), played tight end on three nationally ranked Cougar teams, and thoroughly enjoyed the many new friendships of college life. Prior to graduation from UH in 1971, Earl was selected by the Chicago Bears in the sixth round of the National Footba ll League draft, as Jimmy, his older brother, had been by the San Francisco 49’ers two years earlier. He was even prouder when the two older Thomas brothers were followed into the League by their youngest brother, Malcolm “Mike” Thomas, as a fifthround pick in 1975.

Earl played wide receiver in six NFL seasons with the Bears (1971-73), St. Louis Cardina ls (19741975) and Houston Oilers (1976). He caught 106 passes in his NFL career for 1,651 yards and 14 touchdowns. He also returned a kickoff 82 yards for a touchdown.

Retirement from the football field allowed Earl’s energies to be directed toward a professional business career that began with serving as the owner and Chief Executive Officer of Gold Line Refining Company. Gold Line, a petroleum refining company in Lake Charles, Louisiana, was recognized by Black Enterprise magazine as one of the top black businesses in the nation. Later, he went into partnership to form WTM Investments, an affordable housing development and management company. As part of the “Kitchen Cabinet” of the newly formed William A. Lawson Institute for Peace and Prosperity (WALIPP), Earl spearheaded construction of the 50-unit WALIPP Senior Housing project on Scott Street in Houston’s historic Third Ward. He also organized its annual fundraising golf tournaments.

Earl’s heartfelt passion was inspiring youth development in the sports arena. For over thirty-five years, Coach Thomas trained thousands of boys and girls in track and field skills with TrackHouston track club,

other track organizations and at high schools in the local area. As President of Track Houston, he zealously spent hours preparing them for district and regional competitions and was named the first National Coach of the Year by USA Track and Field. To his fellow coaches and grateful track parents, he was a Godsend who propelled their kids into scholarship opportunities, identifying potential college referrals and contacting administrators and faculty to promote recruitment.

Many scholarships were awarded because of his efforts.

Earl was also selected as Program Director for the NFL Alumni Association-Houston Chapter whose mission was “Caring for Kids”. On March 3, 2020, Earl announced the creation of the “Touchdown Guys,” an additional non-profit to counsel and provide residential placement-- a second chance-- for challenged youth.

Last year, he was honored by the Windsor Village Church’s Kujichagulia Girls Ministry receiving its 2019 Living Legend Award and having March 2, 2019 proclaimed “Earl Thomas Day” in the city of Houston

by Mayor Sylvester Turner, with additional recognition from Congresswoman Sheila Jackson Lee for the work he did in helping to get the ministry established and his service to the community.

Because of his achievements, Earl was inducted, in 2009, into the Greenville Hall of Fame.

In an inexplicable twist of fate, Earl, who was always so cautious and would text about the dangers of this siege of COVID-19 virus, somehow contracted the disease and became its victim after a short hospital stay. On July 4, 2020, he joined his beloved family members -his parents, Jimmie and Mae Frances Thomas, his brothers, Jimmy, Mike, Adolphus and Lamar, in the arms of the God he worshipped consistently and served in earnest. He leaves to cherish his memories his daughters, Connie (Ve) Lovelace of Dallas, TX and Kirbi Thomas (Lanny) Smith of Los Angeles, CA; sons, Christopher Earl (Ann) Thomas and Earl Lewis Thomas, II, both of Houston TX; four grandchildren Taylor, Jayson, Nicholas, and Sydney Thomas of Houston, TX; God daughter, Dr. Olivia Kizzee of Houston, TX; sisters, Reverend Cecelia (James) Barr of Greenville, TX and Glenda Sue (Charles) Venters of Dallas, TX; the widows of his late brothers, Joyce Ashford Thomas of Ft. Worth, TX; and Sylvia Wilkerson Thomas of Houston, Texas, nieces and nephews, other family members and many friends.

Mayor Turner announces Virtual Town Hall Focused on Mental Health, Healing and Wellness in the Houston Community Registration Now Open for Event with the H.E.R. Task Force.

By d-mars.com News Provider

M

ayor Sylvester Turner and the Houston Health Equity Response (H.E.R.) Taskforce invite you to the Mental Health in Minority Communities During the Pandemic, a virtual town hall focused on mental health, healing, and wellness in our community.

Hosted by the H.E.R. Faith-Based Subcommittee, this forum will take place on Friday, July 24, 2020 from 6 p.m. – 7:30 p.m.

For this town hall, the Faith-Based Subcommittee will gather mental health experts and faith leaders from across the Houston area to facilitate conversations on important topics such as: the Intersection of Racial Injustice and Mental Health; Grieving: Processing Death in the Pandemic; Community-Led Alternatives to Mental Health Crisis; and the Unraveling of Social Networks: Social Isolation.

This discussion comes at a crucial moment in our history as many Houstonians grapple with the devastating health and socioeconomic effects of the COVID-19 pandemic.

“Mental health affects our overall health and wellbeing.

The COVID-19 pandemic has created additional fear and anxiety for many people because of a job loss, illness, death of a loved one, or other factors. Mayor Sylvester Turner said, “As we maintain physical distance, it is important for people to know they are not alone. The virtual town hall will provide meaningful information.

Our goal is to help people regain control and become more resilient.”

The H.E.R. Initiative and Task Force was launched in April 2020 by Mayor Turner and is a vital component of the City of Houston’s COVID-19 Response and Recovery Effort, especially for vulnerable and at-risk populations. This initiative is led by five Mayor’s Office Division Directors with implementation visioning and support from the H.E.R. Task Force, which is comprised of more than 50 civic leaders. Mayoral appointees to the Task Force include medical specialists, public health professionals, communications creatives, data scientists, technology experts and faith leaders.

Experience Our World of Advertising, Marketing, Media and Communication

Source: City of Houston

June 2020 | 11 EDUCATION & CAREER

Delta Education and Charitable Foundation

2020 Scholarship Award Program

Left to right: Front Row: Sinclaire Hoyt, Daisy Chukwu, , Kya Carpenter Left to right: Back Row: Nycoi Jones , Micah Johnson, Sydney Slyvester, Micah Chevannes, Nkozi Jones

By d-mars.com News Provider

T

he Delta Education and Charitable Foundation (DECF) proudly presents the 2020 Scholarship awards to eight area high school graduates at the Arena Theatre – DMars Conference room. The Foundation was created to provide needed services (literacy, cultural enrichment, physical and mental health, STEM HIV/AIDS awareness and prevention, etc.) to the Houston community in collaboration with our community partners. The Foundation has been able to award scholarships for the past 25 years with donations from the members and community supporters.

Keith “MR. D-MARS” Davis, Sr., a Houstonian and entrepreneur served as our host and guest speaker. He shared knowledge from his experiences and lessons well learned as described in his book “Maximizing Your Own Treasure Chest”. He also gave well wishes to the recipients.

The 2020 Scholarship recipients were congratulated on their achievements and given well wishes as they continue to navigate through this “new normal” as a result of the Pandemic

Barbara Branch Financial Secretary

Gtace Macklin Treasurer

Cynthia Jones Board Member

Dave Moss President Emeritus

Pamela Cashaw President

Daphne Moss Vice President

(COVID-19), as well as the additional focus on justice and peace for African Americans.

In closing, the recipients received encouraging words from Matthew 5:14-16 - Be reminded that you too can influence the world; “You are the light of the

Fraulyn Baisey Board Member

Maureen Gordon Board Member

Jacquelyn Blossom Secretary

world. A city that is set on a hill cannot be hidden. Nor do they light a lamp and put it under a basket, but on a lampstand, and it gives light to all who are in the house. Let your light so shine before men, that they may see your good works and glorify your Father in heaven”.

DECF is confident that these scholarships will enhance the recipient’s opportunities as they endeavor to pursue higher education in the various fields of study.

-Pamela Cashaw, President

Josephine Daniels Board Member

Experience Our World of Advertising, Marketing, Media and Communication

Marna Arvie Board Member

LindaBrown Board Member

12 | July 2020 BUSINESS

Nearly 500 Small Businesses

File Bankruptcy Using Increased Eligibility Limit Since February By d-mars.com News Provider

N

ew statistical table and analysis available on the American Banking Institute’s (ABI) SBRA Resources website show that 471 small businesses have elected to file for bankruptcy relief under new subchapter V to chapter 11 of the Code since it was enacted.

The Small Business Reorganization Act of 2019 (SBRA) took effect on February 19, 2020, to provide a better path for small businesses to successfully restructure, reduce liquidations, save jobs and increase recoveries to creditors, and it also recognizes the value provided by entrepreneurs.

In response to the economic distress caused by the COVID-19 coronavirus pandemic, the CARES Act on March 27 increased the eligibility limit for small businesses looking to file under subchapter V from $2,725,625

of debt to $7,500,000. The threshold will return to $2,725,625 after 1 year.

While no official (e.g., government) figures on subchapter V cases have been released to date, ABI’s Ed Flynn compiled the figures after a case-by-case review of records from the PACER system. A consultant and special editor to the ABI Journal, Flynn previously worked for more than 30 years at the Executive Office for U.S. Trustees and the Administrative Office of the U.S. Courts. In addition to providing the monthly totals of subchapter V elections, he included an analysis of the filings on the SBRA Resources website that also breaks down the subchapter V elections by circuit.

“The data on subchapter V elections

and additional analysis from Ed Flynn will help provide a better picture to practitioners, researchers and the public about how struggling small businesses are utilizing the new law,” said ABI Executive Director Amy Quackenboss. “These statistics, and the wealth of information contained within ABI’s SBRA Resources site, make the site an invaluable reference.”

ABI launched the “SBRA Resources” website in February to help practitioners and struggling small businesses learn about the new law and stay updated on SBRA developments. The site features information on ABI events on the new law, FAQs about the SBRA, an infographic, the legislative history of the SBRA, informative videos of ABI presentations on the SBRA, updated news and commentary, articles from the ABI Journal and ABI committee newsletters, and more.

ABI is the largest multi-disciplinary, nonpartisan organization dedicated to research and education on matters related to insolvency. ABI was founded in 1982 to provide Congress and the public with unbiased analysis of bankruptcy issues. The ABI membership includes nearly 11,000 attorneys, accountants, bankers, judges, professors, lenders, turnaround specialists and other bankruptcy professionals, providing a forum for the exchange of ideas and information.

Source: NNPA

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d-mars.com

July 2020 | 13 June 2020 | 13

FREE

® ®

HEALTH & WELLNESS JOURNAL

BIOTECH | BUSINESS | CAREER | EDUCATION | HEALTHY LIFESTYLES | MEDICAL | MENTAL HEALTH | POLICY | RESEARCH | SPORTS MEDICINE

July 2020

|

Inspire, Inform & Educate

|

97th Edition

A Journey Through

COVID TESTING 16

INSIDE

16

Leading By Example During COVID-19

14

A guide to virtual health care: 4 common telehealth myths debunked Experience Our World of Advertising, Marketing, Media and Communication

18

Fuel your fitness at home: 5 tips and tricks

14 | July 2020 HEALTH

common telehealth myths

A guide to virtual health care:

4

debunked

By d-mars.com News Provider

F

ollowing the outbreak of the COVID-19 pandemic in the United States, the adoption of telehealth services has been on the rise and people are turning to digital technology more than ever to address their personal health care needs without having to leave their homes.

But while many have begun to embrace telehealth offerings as a new way to connect to care and address their personal health needs, myths surrounding what telehealth services are intended for and how they compare to in-office visits continue to prevail.

To help determine how digital care can best meet health care needs during quarantine and beyond, here are the facts behind four common misconceptions about telehealth:

MYTH#1: #1:Telehealth Telehealthisisonly onlyfor for MYTH basic or urgent care needs. basic or urgent care needs.

FACT: Telehealth can often be the first stop for preventive, primary care and other health and wellness needs. Patients can connect with a doctor or nurse practitioner to receive care for a range of acute, preventive and chronic care needs, including illness and injury, mental health services, and management of conditions like asthma, diabetes and more. Whether patients live in a rural area or simply want an easier way to manage their health, telehealth can adapt to their needs.

MYTH #2: #2: There There aren‘t MYTH aren'tany any telehealth providers telehealth providers in in the the area. area.

FACT: Many trusted local and national health care systems provide telehealth services across the nation. Today, more than half of providers in the United States currently offer some form of telehealth service, according to an April 22, 2020 Merritt Hawkins survey, "Physician Practice Patterns Changing as a Result of COVID-19." Additionally, recent government, health system and reimbursement policy changes have improved patient access to telehealth services and are encouraging use as a safe way to access care during the pandemic.

In fact, locating telehealth providers is easier than ever before with platforms like Walgreens.com/FindCareServices which helps patients access care when and how they need it from providers they know and trust. Patients can choose from more than 30 telehealth providers treating over 100 conditions in one place, while searching from the comfort of their own home. Available through an app and online, the platform makes it easy to find and compare available providers by

location, preference, insurance coverage, services and price.

MYTH#3: #3:Virtual Virtualcare careisn't isn‘tas as MYTH goodas asin-person in-personcare. care. good FACT: Telehealth services can offer high-quality, convenient access to care.

Much like face-to-face office visits, telehealth visits can facilitate a trusting, open dialogue with a doctor or nurse practitioner. Most providers have a web-based interface or mobile app, making it easy to log onto and use secure, quality video for consultations and to visually help communicate about injuries or conditions.

Telehealth also reduces time spent in waiting rooms and commuting to appointments, putting more power in the hands of patients. It can be particularly valuable for enabling remote monitoring and regular check-ins for patients with chronic conditions.

While telehealth can be a convenient alternative to in-person care, there are still instances where in-person appointments are recommended, such as in the case of a medical emergency. To consider the best option for care needs, check with a doctor.

MYTH#4: #4:Telehealth Telehealth is MYTH is too too expensive. expensive.

FACT: Telehealth and other services can help save money while expanding access to care. When looking for a telehealth provider, it can prove cost-effective to compare options based on pricing, insurance coverage, preferences and services provided. Look for telehealth options that list transparent pricing information to help guide the search.

If a consultation requires a prescription, Walgreens also has 24/7 pharmacy chat capabilities through its app and Walgreens.com/SaveOnRX with discounted pricing to help save money on a wide range of medications.

Telehealth is more accessible than ever as more providers evolve and adapt technologies to meet patient needs at a safe distance. But even as social distancing constrictions lift, digital wellness offerings will present greater flexibility and convenience in meeting individual health care needs.

Source: BPT Experience Our World of Advertising, Marketing, Media and Communication

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16 | July 2020 HEALTH

A Journey Through

COVID TESTING By d-mars.com News Provider

C

OVID testing is one of the main tracking tools in place to monitor the spread and infection rate of the disease. Testing is done for free but will cost you time to schedule the appointment and get assigned a personal testing ID number and wait in line to be tested. This article takes you through the testing process for Harris County and Fort Bend County testing sites and dismantles many of the false ideas associated with the process. The testing details provided observed and reported on Saturday, June 13, 2020.

Go to your local 1 county COVID Self-Assessment Tool website to schedule a test. The questionnaire is brief and asks for information about exposure to the virus and any symptoms you have. Do not be alarmed if you are not an immediate testing concern.

Depending on the current COVID environment in your county, healthcare workers, first responders, citizens caring for the elderly or sick, and those with active symptoms are a greater testing priority. If you are determined ineligible, try the Self-Assessment Tool again- at a later date or go to your primary caregiver to get a “referral” for testing. If you do not have a healthcare provider, dial 4-1-1 and ask for free COVID health care options in your zip code. When testing is scheduled, the appointment may be available for scheduling 3-14 days from the date you visit the site.

A drive though testing date and time frame will be

issued once testing is confirmed. Sites include drug stores, schools and sports area parking lots.

Print the unique ID code or save an electronic 2 version to your device. Testing site personnel may ask for other identifiers such as car model and type.

Multiple testers are allowed in one vehicle as long as each person completed the Self-Assessment Tool and was issued a unique ID number.

Plan 60-90 minutes for the entire process on a 3 weekend although there are reports that weekday testing has a much shorter wait time. Be punctual to help expedite the process. Keep windows rolled up until the medical staff asks for access to your vehicle.

When you arrive be prepared to show 4 your ID, the unique code, and some testing site personnel may ask for insurance information even though there is no charge to your insurance.

Staff will confirm your information 5 several times so do not be annoyed.

This is to ensure accurate specimen testing. Pictures and recordings are not allowed to keep the process confidential.

6 Some sites may take your nasal samples while others will require you to collect the sample yourself.

7 The cotton swab is inserted into each nostril, rotate the swab for 15-20 seconds to get a good collection. Next the handle of the swab is separated, and the cotton tip is placed in a plastic specimen container and given to the medical staff.

8 Results can take up to a week. Notifications are made by phone calls, so be sure to answer unfamiliar phone numbers while you are waiting for test results.

9 Follow after testing instructions.

10 Stay Safe & Healthy.

DIFFERENCES IN PROCESS BY LOCATIONS: Harris County Public Health testing site @ Pridgeon Stadium

Fort Bend Accesshealth COVID-19 public testing @ Marshall High School

Immediate Auto generated appointment within 3 days of online assessment completed

Staff calls to make appointment with 21-72 hours after online assessment completed and appointment with 3-5days after call

Busy but organized testing site 90 minutes from start to finish

Slow & friendly testing site 10 minutes start to finish

Display state issued ID and unique code without rolling window down t station one

Staff in PPE at station one takes state issued ID and scans unique code through lowered window

Lab slip and specimen placed in plastic lab bag and secured under windshield wiper, then drive to station two

ID info written on car window for medical tester at next station, tester signs consent forms

Contactless process- self swab with guidance from Medical staff takes the sample through the widow medical professional outside car with window rolled up after explaining procedure.

Remove after care instructions from plastic bag

Tester observes medical staff seal nasal sample in lab bag

Once complete put testing items back in the plastic bag Envelope with after testing instruction given to and place all items in small bin on a table outside of tester. vehicle.

COVID testing is an excellent way to determine if you have been exposed to the virus and if you are contagious even if there are no symptoms. Get tested if you haven’t already. Knowledge can be power when used to protect yourself and your loved ones. For more information visit: www. readyharris.org or www.fortbendcountytx.gov .

HEALTH

Leading By Example During COVID-19

By Rhonda Dallas Contributing Writer

W

here has all the time gone? We all started out in February 2020 with plans on how March would look in our lives and even our summer and where we would go and who we would go with. But an unfortunate Pandemic hit us and hit us hard at the end of February 2020 and now we find ourselves still processing it as well as some of us being shelter in place.

And who would have thought that a mask and or face covering would be part of our day to day wardrobe? I don’t know about you, but I didn’t.

So, the question is how do we lead our people by example? How do we keep pushing through during a Pandemic? These questions for me lie within myself. How do I keep people motivated by staying healthy and fit? I mean mentally, physically, and spiritually.

First of all, maintaining a routine is very important. I have found this to be very vital in my physical, mental and spiritual health even if I am going to my home office to work.

Secondly, reading is so soothing and great for your mental health. I regained my love and passion for reading more than ever during this Pandemic. It helps to stimulate the mind and stirs up juices in the brain. Next, I found an awesome park to exercise at. Walking, running or jogging is a real game changer to the physical self, and it helps excrete hormones and helps with depression. Lastly and most important is my spiritual Health. I am a church member.

I go to church during the week and on Sundays, and I am involved in various ministries. Now this one took me some time to watch church service on-line, and oh how I miss the fellowship. I discovered that I can still call members and check on them, I can use ZOOM and Facetime to see people I miss seeing every Sunday, and I get up on Sunday and get dressed and I go to church in my living room.

Having Trouble getting back on Track, Contact Rhonda Dallas Coaching and Personal Development at 832-429-8479 and if you need a great All Natural Vitamin Company, visit us at www.d3health.net and order from the comfort of your home.

Certified Nutritional Counselor Certified Health and Wellness Life Coach

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18  |  July 2020 HEALTH

Fuel your fitness at home: 5 tips and tricks By d-mars.com News Provider

F

ace it, finding time to achieve your fitness goals while balancing work and home life can be a struggle. However, while many people are spending more time at home, here's a great opportunity to start fresh with a new fitness routine.

Here are some helpful tips for helping you live your best, healthiest life:

1.

2.

3.

Create a realistic schedule It's a lot easier to blow off your at-home workout than a one-on-one training session or group class. What's the secret to success? Put your fitness routine on your calendar! Instead of telling yourself, "I'll exercise after I'm done with work," switch your thinking to, "I'll exercise at 6 p.m," that way you're more likely to hold yourself accountable. Pro-tip: Make sure it's actually written in your calendar and set an alarm to remind you.

Prioritize sleep To maximize the work you put in during exercise, be sure to get enough rest every night. A full night's sleep aids your muscle growth, enhances muscle recovery, regulates weight management and can help boost your metabolism. Turning off electronics and other distractions at least 30 minutes before bed helps you fall asleep faster and achieve a higher quality sleep.

Designate a fitness space You don't need a full in-house gym to have a successful workout, but it is important to think about what you'll be doing. Yoga, core exercises or Pilates only require

enough space for a yoga mat, whereas a cardio workout EB Fish Taco Bowl may need a larger area or harder surface. Consider your Time: 25 minutes. Makes 6 servings. preferred activities before you set up your space and try to set up camp somewhere quiet with few distractions. Ingredients:

4.

5.

Stay hydrated Caffeinated energy drinks are a trendy pre-workout beverage, but they can lead to negative side effects like jitters and energy crashes. The best way to avoid cramps and fatigue is to drink water before, during and after a workout. Sports drinks with electrolytes are a good option for high-intensity exercise, but be mindful of their sugar content.

Add fueling ingredients to your diet Registered Dietitian and Nutritionist Dawn Jackson Blatner recommends incorporating nutrient-dense foods into your diet that support your fitness goals.

"It's important to fuel your body with high-quality ingredients all the time, but especially when you are being more active," said Blatner. "For example, Eggland's Best (EB) eggs make a perfect pre- or post-workout snack or meal because they offer superior nutrition compared to ordinary eggs at the grocery store. EB eggs contain six times more vitamin D and double the omega-3s compared to other eggs, which aid in muscle recovery and strengthening bones. Plus, they contain double the vitamin B12, which can help boost energy and keep you fueled throughout the day."

If you're looking for a tasty and nutritious meal that will help keep your fitness goals on track, try the Fish Taco Bowl from Eggland's Best:

2 tilapia fish fillets 2 tablespoons olive oil 1 tablespoon cumin 1 teaspoon chili powder 2 cloves garlic, minced 1 cup kale 1/2 cup corn 1 cup black beans 1/2 avocado, sliced 2 cups cooked white rice 4 Eggland's Best Eggs (large), scrambled

Preparation: Cook 1 1/2 cups of white rice as directed.

Mix cumin, cayenne pepper and chili powder in small bowl. Rub generously over tilapia fillets on both sides.

Heat olive oil in large skillet over medium heat. Add fish and cook about 3 minutes each side until almost blackened and fish is cooked through. Remove from skillet and shred with fork.

In same skillet, add garlic, corn and kale. Stir and cook until kale is wilted. Add beans and cook until heated through.

Crack 4 eggs into bowl and whisk. Pour eggs into kale, corn and bean mixture and allow to sit for a minute until they begin to cook through. Then scramble everything together.

To serve: Layer rice, egg, corn, kale and bean mixture, fish and avocados.

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22 | July 2020 FINANCE

8 Quick Tips for Saving Money By d-mars.com News Provider

S

aving money is a top priority for many Americans, but it becomes even more important during times of economic turmoil.

Luckily, there are many simple steps you can take to eliminate wasteful spending in your daily life.

4. Check your bank and credit card statements or online account information for any automatic charges you are paying for services that you no longer use. A $5 charge per month for a service that you don’t need is equivalent to throwing away $60 every year.

Here are eight easy strategies to start saving more money now: 1. Track your personal expenses in a notebook or spreadsheet for 30 days.

Doing this is as easy as writing down what, where, when and how much you spend on every transaction. It is only after you know what you are spending your money on that you can wisely choose where to reduce or cut.

2. Ask for discounts and use coupons when shopping for essentials. When possible, select non-branded products, which are often found at a lower price than name brand goods. But be savvy and check for a trial price or return/refund guarantee.

3. Make major purchases using credit cards that offer product assurance guarantees and make filing disputes easy. If a product is defective or damaged, you may be able to get it repaired or replaced for free.

5. Contact service providers to confirm there are no other contract options that offer lower monthly service charges. Many companies offer varying service levels and contracts at different prices, but they won’t tell you about them unless you ask. For instance, you could avoid a $190 cable bill by paying only for the channels you most frequently watch.

6. Learn to say “no,” at least sometimes, to your kids and grandkids. Spending money, mobile phone plans, car insurance, gas money and car payments are a few things you may be supplementing for a child or grandchild that you might consider cutting out or at least reducing.

7. Set up different checking accounts for your non-discretionary and discretionary spending. Arrange for monthly bills to be paid from the first account by a billpay service or electronic fund transfer.

Conversely, use a debit card for personal spending. With two separate accounts, you can better manage and monitor your discretionary spending.

8. Consider creating a separate savings account at a different financial institution from where you have your checking account(s) so it is harder to transfer money.

You can set up a direct deposit or autodraft from your paycheck to do this each month without any effort on your end.

A Certified Financial Planner professional can also help you audit and discover expenses that can be reduced or eliminated. To find a CFP professional near you, visit letsmakeaplan.org.

These simple steps may seem small, but they can add up to big savings for you and your family.

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Source: StatePoint

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July 2020 | 23

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BUSINESS JOURNAL

Entrepreneur | Business | Education and Career | Finance | Legal | Real Estate | Technology | Insurance

July 2020

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Inspire, Inform & Educate

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155th Edition

Attorney Willie Powells:

Finding His Passion in Personal Injury Law 23-26

INSIDE

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24 | July 2020

Attorney Willie Powells:

Finding His Passion in Personal Injury Law By d-mars.com News Provider

W

illie Powells has been the president and CEO of the Law Offices of Willie D. Powells III & Associates PLLC for over 10 years, but the journey to owning his own firm was a winding road of self-discovery and lessons learned.

Powells knew from an early age he would pursue a prestigious career. Doctor. Engineer. Lawyer. Concert Violinist.

In his yearbook he even mentioned wanting to be a medical doctor with aspirations to become a brain surgeon, but it wasn’t until his college experience that he knew a profession in law was the right choice.

After graduating from Booker T. Washington High School for Engineering Professions with honors, Powells received full scholarships to several universities and decided to attend Drexel University in Philadelphia, Pennsylvania on a full chemical engineering scholarship. While attending Drexel, he began a fortunate streak of meeting and working with some very influential people, all playing significant roles in guiding Powells to where he is today.

One of the first “geniuses” Powell had the pleasure of meeting was Double Doctorate MD PhD Cato T. Laurencin, who was a graduate from Princeton, MIT, Harvard and other prestigious institutions, and was Powells’ chemical engineer professor at Drexel University.

“I had a professor who was an African American male, like me, that had worked his way up to be a successful chemical engineer Experience Our World of Advertising, Marketing, Media and Communication

July 2020 | 25

and professor, orthopedic surgeon and world-class scientist all at the same time,” Powells said. “I had the opportunity to work in his scientific laboratory, and since the day I met him, he was someone who always pushed me to my limit, telling me to step up my game or go to the next level. He helped me see I could be greater and do more.”

After several exams including the LSAT, GMAT and MCAT, personality tests and a self-assessment, Powells decided that becoming a medical professional like his mom was not the dream career he was after. Being an attorney was a much better fit, similar to his uncle who was a judge in the Chicago area.

So, keeping with his ambitious personality, he finished school at Drexel, typically a five-year program, in just four-years with a B.S. in chemical engineering, a duel minor in biology and piano and a concentration in biomaterials and tissue engineering along with working experience, and then started applying to law schools. Naturally, he was accepted into several schools, but stuck with his plan to move back home to Houston and attended South Texas School of Law. “I knew it would be important to go to law school in the place I intended to work,” Powells said. “Being a part of the community is a big component of being a lawyer. It’s about being a part of the community, networking and knowing who's who.”

While in law school, Powells’ plan was to gain as much experience as he possibly could, and having done so well in his first year, he received two prestigious internship opportunities that summer, one from JP Morgan Chase and one from ExxonMobil. He chose ExxonMobil and began trying his hand at corporate law.

making huge checks, and I don't know the answer to a basic law question. That was a very eye-opening experience for me.

This is when I decided to go off on my own and become a general practitioner. Along the way I worked at several boutique law firms and did a little tax, family, criminal and injury law, that way if someone did have a question about something, I would definitely be able to give them the answer.”

Powells received his first commercial car accident case, his first case where he had to be the one to figure out how to work the case, manage the case and support his client. He loved every bit of it and knew he had finally found his passion.

Fast forward to today and Powells has not changed his mind one bit, if anything, his passion for his work has grown stronger.

“It’s like I never have to work a day in my life,” Powells said.

“While I do have to put in the work, it's not really work when you're having a great time doing it. Do we have some tough days? Yes, but the good days far outweigh them all. Every day I wake up looking forward to working on my cases. I’ve had

“I had a professor who was an African American male, like me, that had worked his way up to be a successful professor and chemical engineer, orthopedic surgeon and world-class “I had the opportunity to work scientist all at the in his scientific laboratory, and same time,” Powells since the day I met him, he was said. someone who always pushed

me to my limit, telling me to step up my game or go to the next level. He helped me see I could be greater and do more.”

“I chose to work with ExxonMobil that summer, and I am so glad I did,” Powells said. “It was a great experience, and I made so many wonderful connections that I still have today. But, it also helped me realize that corporate law was not something I could see myself doing forever.”

Having such a strong science background, he then pursued Patent and Intellectual Property Law, which is an area of law that protects scientific studies from being claimed by others. He landed a work opportunity with one of the only women-owned patent law firms in the City of Houston, one that boasted well-known, respectable clients such as AT&T. This allowed Powells to continue his fortunate streak of meeting supportive and influential people. This time it was Ms. Wendy Buskop.

“While I was at [Buskop Law Group], I had a conversation with [Buskop] expressing to her I didn't know if this was something I could do long-term,” Powells said. “I didn't know if I could ever fully express myself at this job. I felt like I was in a box, and she said, ‘if there's something else that you want to do, you've got to just do it, you have to see what’s really for you.’”

Powells went on to work for a larger law firm to gain some litigation experience. It was there that he had a major realization.

“I received a phone call from my sister, asking me a very basic question regarding a law issue, and I did not know the answer,” he said. “Here I was, working at this huge law firm,

the chance to work with so many different lawyers, including the well-known Willie Gary. I get to go to so many different places, and we now have cases all over Texas.”

Despite such infinite success at the Law Offices of Willie D. Powells III & Associates PLLC, a multi-award-winning firm that boasts million-dollar verdicts and a staff that genuinely cares for its clients, Powells has remained humble, continuing to give all the credit to God. And as for what is next, Powells says anything is possible.

“I don’t see a limit, I just see a direction, and that is to keep moving forward.”

Looking for an attorney who cares about his profession, the people he serves and achieving results?

Call Willie Powells today!

Law Offices of Willie D. Powells III and Associates, PLLC One Arena Place 7322 S.W. Fwy., Ste. 2010 Houston TX 77074 Tele: 281-881-2457 Fax: 713 583-3100 www.williepowellslawfirm.com

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28 | July 2020 TECHNOLOGY

Report: Navigating the Changing Nature of Work By d-mars.com News Provider

A

new labor market report highlights the disruption that greater automation and increased requirements for digital skills is causing regional workers and the importance of helping workers build digital skills for occupations that can lead to economic opportunity.

The report, “Navigating the Changing Nature of Work,” provides data-driven insights and approaches that can help employers, educators, career counselors, and other workforce development stakeholders chart upskilling and re-skilling pathways to good middle-skill occupations for workers at risk of technological disruption or displaced by the pandemic.

Key Findings in Brief: • The integration of automation technologies into the workplace creates a significant risk of disrupting job tasks and skills requirements among Greater Houston’s low- and middle-skill workers.

• More than 50 percent of Greater Houston’s middle-skill jobs face above average risks of automation.

• Strong digital skills are becoming increasingly necessary for all regional workers, regardless of their industry, occupation or education level.

• A well-conceived, regional upskilling framework could guide workers as they make decisions about investing limited time and resources to pursue careers with greater mobility.

• By mapping viable and desirable upskilling

progressions for the region’s middle-skill workers, workforce development stakeholders could support the continued growth of the Greater Houston economy and increase economic opportunity for its residents.

The report illustrates that most middle-skill occupational segments in Greater Houston currently require at least a medium level of proficiency in digital skills, and the trend toward increased digital skills likely will continue to rise as employers further integrate digital technologies into their operations. Already six regional middle-skill occupational segments require higher (i.e., medium and high) levels of digital skills. Workers will need continual education and upskilling to achieve the level of digital skills critical to success across occupational segments today and into the future.

The report‘s research suggests a strategy for developing viable and desirable pathways across skill levels and occupational segments for workers to transition into new jobs with better prospects for the future.

UpSk i l l Hou ston eng a ged TEConomy Partners,

LLC to conduct the research highlighted in this report and in the previously released “Middle Skills Matter to Greater Houston. TEConomy conducted its analysis in the summer of 2019.

Source: Greater Houston Partnership

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30  |  July 2020

T H E

E X P E R T

N E TW O R K

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