BUSINESS JOURNAL 161

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January 2021

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Inspire, Inform & Educate

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161st Edition

Council Member Edward Pollard Serves District J,

Building a Legacy of Accountability and Purpose 10-11

INSIDE

18

Will the Black Community Get Shut Out From COVID-19 Vaccination?

06

Local Black McDonald’s Owner/Operator Group Provided Holiday Meals To 1,000 Houston-Area Families

26

Zillow Finds Remote Work Could Help Black Renters Become Homeowners

January 2021 | 3

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Happy New Year! d-mars.com is proud to continue our or his bipartisan approach to city leadership, he sees value in partnership with the community, publishing positive content taking an innovative or modern view when necessary, and that and success stories promoting the advancement of our African was never more evident than during his first year in office.

American businesses and civic and In just one year, the city council member has community leaders. earned a reputation for getting things done at This month’s cover story highlights City Hall. the Council Member representing Pollard is a true example of being a public “Change will not come if we District J, Edward Pollard. Pollard servant.

His story and others in this month’s wait for some other person is a proud product of Southwest journal will encourage you to participate in or some other time. We are Houston. He attended all HISD being a driving force for change in your comthe ones we’ve been waiting schools (Lovett, Johnston, Lamar) munity and that in whatever you are called to for. We are the change that and attended Thurgood Marshall do, do it with a spirit of service. we seek.”

As always, thank you for your continued School of Law where he graduated with honors earning his Juris support of d-mars.com, progressing our pub—the Honorable Barack Obama Doctorate with a concentration in lication’s efforts to highlight the communities Government and Policy. in which we serve, live, and work. Partnering Taking the road less traveled is a consistent theme of how together, we succeed in making positive things happen.

Pollard operates. Whether it’s the way he runs his law practice

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CONTENTS 04 BUSINESS 04 Biden-Harris Administration Commits to Ensure Government Spending with Black and Minority-Owned Media Businesses 04 COMMUNITY 04 Houston Business Owner Is Creating Job Opportunities for Aspiring Artists Amid Pandemic 06 Local Black McDonald’s Owner/Operator Group Provided Holiday Meals To 1,000 Houston-Area Families 08 Congressional Black Caucus Elects Executive Committee for the 117th Congress

DISTRIBUTION Rockie Hayden

08 EDUCATION & CAREER 08 Texas Bankers Foundation Commits $100,000 to TSU Banking Program 21 How To Spark Your Child’s Interest in the Field of Education 21 Are Calculators Good or Bad for Helping Kids Learn Math?

PHOTOGRAPHY L.C. Poullard Grady Carter

10-11 COVER STORY 10-11 Council Member Edward Pollard Serves District J, Building a Legacy of Accountability and Purpose

CONTRIBUTING WRITERS d-mars.com

13-20 HEALTH & WELLNESS 14 Pain Doesn’t Discriminate: Study Finds Young People Experience Pain as Frequently as Older People 16 Beware of Harsh Chemicals: Everyday Cleaning & Health During the Pandemic and Beyond 17 3 Steps To Better Eye Health in 2021 18 Will the Black Community Get Shut Out From COVID-19 Vaccination?

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OUR SERVICES ADVERTISING | MARKETING MEDIA | COMMUNICATION • Business Journal • Health & Wellness Journal • Community Journal • Black Pages Online Business Directory • Top 50 Black Health, Medical & Wellness Professionals • Top 50 Black Professionals & Entrepreneurs • Top 30 Influential Women of Houston • Top 25 Prime & Subcontractors for Diversity • Business Connection • Business Development • Business Consulting • Graphic Design • Photography • Printing • Web Design • Online & Email Marketing • Public Relations • Social Media • Advertising • Writing • Promotional Marketing

22 FINANCE 22 4 Ways To Protect Your Finances and Investments in 2021 22 5 Not-So-Secret Ways To Make the Most of Your Money 24 REAL ESTATE 24 Jumping on the Real Estate Boom? Do Your Homework First 26 Zillow Finds Remote Work Could Help Black Renters Become Homeowners 30 TECHNOLOGY 30 Making the Call of 5G: Is It Time To Switch?

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4 | January 2021 COMMUNITY

BUSINESS

Biden-Harris Administration

Commits to Ensure Government Spending with Black and Minority-Owned Media Businesses

By Stacy M. Brown NNPA Newswire

P

resident-Elect Joe Biden’s administration plans to support legislation offered by District of Columbia Democratic Congresswoman Eleanor Holmes Norton that would ensure federal agencies advertise with minority-owned businesses, including the National Newspaper Publishers Association (NNPA).

“From the racial equity plan – at the direction of the President-Elect, the Director of Minority Business Development Agency will coordinate all federal offices to reduce barriers to procurement for underrepresented groups, including all types of minority-owned businesses,” a Biden transition spokesperson told Black Press USA. “This is good news for the Black Press of America in 2021,” declared Dr. Benjamin F. Chavis, Jr., President and CEO of the NNPA. “The incoming Biden-Harris Administration has gone on the public record to keep their commitments to ensure equitable federal advertising dollars to be spent over the next four years with Black-owned newspapers, and other minority owned media companies across the nation.”

In 2019, after reviewing a General Accounting Office audit that revealed federal agencies only spend a pittance of its allotted $5 billion advertising budget with Black and minority-owned entities, Norton introduced H.R. 2576.

The legislation requires each of the 12 federal Appropriations Committees to adopt language mandating that all agencies include in their annual budget request to Congress the amount of money they spend to advertise with the Black Press, Hispanic Press, and women-owned publications.

Norton’s bill, which remains under consideration in the House, requires all budgetary requests include a line-item detailing what they are spending with Black and other minority-owned businesses, including media companies.

“This is important not just for the publications but because those publications reach minorities and women in a way that mainstream publications may not,” Norton said when introducing the measure.

“We did this because the federal government is the largest advertising agency in the United States and this gives it a special obligation to make sure that it is using advertising dollars fairly and to reach all people in the United States,” said Norton, who has served in the U.S. House since 1991.

The incoming Biden administration plans to see this legislation through.

“The President-elect is committed to implementing the plans that he laid out during the campaign that focuses on building the economy back better and creating opportunities for minority-owned businesses to advance and prosper,” the transition spokesperson relayed.

“Biden’s Lift Every Voice plan largely addresses the President-elect’s plans to address building Black wealth, which means investing in Black communities.”

The president-elect’s Build Back Better Racial Economic Equity plan also relays how Biden plans to hold federal offices accountable for adequately maintaining their relationships with minority-owned businesses.

It includes increasing the funding and stature of the Minority Business Development Agency (MBDA).

Latino and Black Americans are roughly 30 percent of the U.S. population, yet they currently own just 7.5 percent of small businesses with employees.

For almost four years, the only federal agency charged with addressing racial disparities in small business ownership has been on the Trump administration’s chopping block.

MBDA provides business consulting services and connects minority-owned businesses with capital and contracting opportunities.

“These services are critical. Instead of trying to reduce or eliminate funding for MBDA, Biden will protect the agency and call on Congress to increase its funding dramatically,” the transition spokesperson said.

The plan includes the Biden administration elevating the Director of the MBDA to the Assistant Secretary level and instruct the MBDA to coordinate all federal offices charged with reducing barriers to procurement for underrepresented groups.

With additional resources and authority, MBDA will also create new business development grants and other programs that will address the economic challenges facing Black and Brown communities, expand small business ownership, and shrink the racial wealth gap.

Additionally, Biden plans to provide MBDA with $5 billion in annual lending and investment authority “to ensure capital flows directly to minority-owned businesses and investments in critical infrastructure in Black, Latino, AAPI, and Native American communities,” the spokesperson said.

Source: NNPA

Houston Business Owner Is Creating Job Opportunities for Aspiring Artists Amid Pandemic By d-mars.com News Provider

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o-Owner and President of the full-service entertainment firm, The Formula Entertainment Group and recording artist Sean Kiez, has unlocked the keys to success despite a global pandemic.

Amidst COVID-19, this small business owner is helping to turn dreams into a reality, during this difficult time.

"Local artists should be celebrated and supported.

Like so many others, entertainers have been the hardest hit and so many are out of a job. I am happy to have helped hire people who need these jobs," explained Sean.

As someone who has always had a love for entertainment and helping others, Sean Kiez saw a huge opportunity to create job opportunities and assist local production staff including; actors, producers, directors, and more.

Through his own recent music projects, Sean Kiez has been able to employ more than 100 men and women of color for his socially-distanced music video productions.

A foster parent, mentor and artist; Sean Kiez came from humble beginnings. After losing both his God-brother to gun violence, Kiez was determined to make a positive change in the world. Sean credits his achievement to his business partner, Erica Nailor who helped him launch the business.

De spite t he cha llenges that K ie z h a s faced while working towards creating a successf u l enter ta inment company, he explains how seeing other young entrepreneurs succeed and grow has inspired him to work harder. "I see other Sean Kiez young artists struggling to live out and accomplish their dreams, and after countless efforts of figuring out how to grow my own brand, I knew I could play a large part in helping others do the same for themselves."

A business owner and a recording artist, Sean Kiez is bringing back that authentic 90's R&B and Hip-Hop vibes. Promoting love and positivity, Sean hopes to inspire others not only through his work but through his music. Recently Kiez released his new song, "Open," about black love, unity and strength.

"With everything going on in the world including racial injustice, police brutality and a global pandemic, I want to give people something to look forward to. "Open" is more than a song, it's a feel-good experience," said Sean.

Source: Sean Kiez

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6 | January 2021 COMMUNITY

Local Black McDonald’s

Owner/Operator Group Provided Holiday Meals To 1,000 Houston-Area Families By d-mars.com News Provider

O

n Saturday, December 12, local McDonald’s owner/operators provided holiday meals to 1,000 pre-registered Houston families in need. Members of the Black McDonald’s Operators Association of Greater Houston (BMOA) distributed meals at a COVID-friendly drive-thru event behind the McDonald’s at 1619 South Loop West.

Psi Phi; Change Happens CDC; Inspire Women Houston; Victory in Jesus Evangelistic Center Church; Good Shepherd Baptist Church; Living Word Church; and First Metropolitan Church to identify families in need.

To find out more about BMOA, please visit www.bmoahouston.com.

Source: McDonald’s Operators Association of Greater Houston (BMOA)

“As local businesspeople, giving back to our communities is incredibly important,” said Hazel Smith, local owner/ operator and president of BMOA Houston. “Now more than ever, it is so important that we come together and support those in need. We’re proud to provide meals for these families and hope it makes their holidays a little Brighter.”

BMOA Houston is committed to supporting its communities and encourages the development of successful Black leaders and businesses. BMOA Houston has partnered with local organizations, including: Kids’ Meals; The Church at Bethel’s Family; 5th Ward Chamber of Commerce; S.H.A.P.E. Community Center; Omega Experience Our World of Advertising, Marketing, Media and Communication

January 2021 | 7

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8 | January 2021 COMMUNITY

Congressional Black Caucus Elects Executive Committee for the 117 Congress th

By Stacy M. Brown NNPA Newswire

U

.S. rep. Joyce Beatty (D-Ohio) will chair the Congressional Black Caucus for the 117th Congress.

The announcement came as the CBC embarks on its 50th anniversary as the voice of Black America in Congress.

Along with Congresswoman Beatty, the CBC announced a new executive committee that begins this month.

• Rep. Steven Horsford, who represents Nevada's 4th district and currently serves on the House Ways and Means Committee, Budget Committee, and Natural Resources Committee, will serve as 1st Vice-Chair of the CBC. • Rep. Brenda Lawrence, who represents Michigan's 14th district and currently serves on the House Appropriations Committee and the Oversight and Reform Committee, was tapped as 2nd Vice-Chair.

• Rep. Frederica Wilson of Florida's 24th district, who currently serves on the Transportation and Infrastructure Committee, and the House Education and Labor Committee, where she chairs the Health, Education, Labor, and Pensions Subcommittee, was elected as Secretary of the CBC. • Rep. Hank Johnson, who represents Georgia's 4th

district and currently serves on the Transportation and Infrastructure Committee, as well as the House Judiciary Committee, where he chairs the Subcommittee on Courts, Intellectual Property, and the Internet, will take over as Whip.

• Rep. Sheila Jackson Lee, who represents Texas's 18th district and currently serves on the House Judiciary Committee, Homeland Security Committee, and the Budget Committee, will serve as Parliamentarian.

Black Caucus, congratulations to the members of the Executive Committee for the 117th Congress."

In 1971, thirteen Black Members of Congress organized their efforts to help improve Black people's conditions in America and around the world.

Though small in numbers, the Congressional Black Caucus (CBC) founders understood their responsibility for the millions of voices they represented, Congresswoman Bass noted.

"That responsibility drove them to speak up and speak out against injustice wherever they found it – from Apartheid in South Africa to voter suppression, economic oppression, racial violence across the country," she said.

Next year marks 50 years for the CBC, which outgoing Chair Rep. Karen Bass of California called 50 years as a champion for bold, progressive ideas in Congress.

"Fifty years of making a seat at the table and building a pipeline for those to come, and 50 years as the 'Conscience of the Congress,'" said Congresswoman Bass, adding, "On behalf of the entire Congressional

Under the leadership of Chair-elect Beatty, the Caucus will enjoy its largest membership in history, with a record 57 Members forming a body as diverse as the nation.

"After four years under one of the most racist and repressive regimes in modern history, the CBC has an enormous opportunity under the Biden-Harris Administration to restore faith in our democracy and show Black Americans the power of their vote," Bass said.

"We look forward to the work ahead on behalf of Black America."

Source: NNPA

EDUCATION & CAREER

Texas Bankers Foundation

Commits $100,000 to TSU Banking Program

Foundation and Texas Banks to Support “State-of-the-Art” HBCU Banking Program By d-mars.com News Provider

T

he Texas Bankers Foundation, the charitable arm of the Texas Bankers Association, has recently committed $100,000 over three years to the Future Bankers Leadership Program at Texas Southern University, Jesse H. Jones School of Business, which will prepare students for careers in the field of banking. The all-new banking program will launch in the Fall of 2021.

“The Texas Bankers Foundation is honored to support the TSU Future Bankers Leadership program,” said Lizzie Williams, chair of the Texas Bankers Foundation Board of Directors. “This endeavor will no doubt provide strength, stability and diversity in the banking industry for years to come.”

The Texas Bankers Foundation’s commitment endeavors to help TSU build the nation’s premier banking program at a Historically Black College and University (HBCU). In addition to the Foundation’s support, individual Texas banks are stepping up to support the program.

“As a board member of TBA and CEO

of Allegiance Bank, I am extremely proud of the financial contribution that our bank and the TBA Foundation are making to support this initiative,” said Ray Vitulli of Allegiance Bank. “The benefits of this program to Texas community banking and the business community will without a doubt continue to help build strong banks and stronger communities.

Most importantly, the TSU program will have a meaningful impact on attracting and developing future leaders in the banking industry.”

Jesse H. Jones School of Business at TSU will offer a commercial banking program designed to develop its diverse population of students into banking professionals with financial and technical skills. The program will educate and prepare students to become commercial bankers and aim to deliver a pipeline of students from underserved minority communities with the necessary skills to add value to the banking industry.

“The Jesse H. Jones School of Business is appreciative for this very generous and transformative gift from the Texas Bankers Foundation,” said Dr. David Yen, dean of the Jesse H. Jones School of Business. “With the rapid advancement of FINTECH, this opportunity to work with the Texas Bankers Association to develop a state-of-the-art banking program that

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will diversify the workforce and create a significant impact in metropolitan Houston and Texas state is tremendous.”

The Texas Bankers Foundation is devoted to ensuring the future of the industry by growing and supporting the banking programs at Texas colleges and universities, as well as promoting a diverse workforce amongst Texas Banks, their employees and the communities in which they serve. The Texas Bankers Association, along with its charitable arm, have committed hundreds of thousands of dollars to building the next generation of bankers to ensure an inclusive and diverse workplace, at all levels of the banking industry, for years to come.

For more information about the Texas Bankers Foundation, visit www.texasbankers.com.

Source: Texas Bankers Association

January 2021 | 9

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10 | January 2021

“

I want my legacy to be someone who is recognized as truly having a passion for people and passion for service; someone who’s a unifier; someone who tries his best, is accountable, and made the most of his time in office by making a positive impact on people’s lives.

Council Memb

BUILDIN ACCOUNT

“

­—Council Member Edward Pollard

C politi time, he h coming a prof sional athlete mo than anything else. Af a couple years playing pr fessional basketball overseas, returned stateside and earned a l degree from Thurgood Marshall Scho of Law, graduating with honors in 2012.

“During my second year of law school I did internship at the state capitol for the 82nd Legislat Session, where I was an aide for State Representat Dawnna Dukes,” Pollard said. “It was during th internship where I caught the political bug. Eve day I was around lawmakers, people who decid what happened and what didn’t. I wanted to one of those people. I did not want decisio being made about my community witho having a voice in the discussion and a se So, I decided that once I graduated law going to run for office.”

With a new law degree in hand, working at his brother’s law firm to g That position allowed him to lear running a business, handling litig derstanding government affairs. S Pollard joined several political org By d-mars.com developed relationships with neig News Provider community leaders.

In true millennial fashion, w dward Pollard’s first foray into pubing for his brother’s firm, he sa lic service was nearly 30 years ago at nity to use social media to gr the tender age of six years old as a volunteer in ways his peers had not. for then-mayoral candidate Sylvester Turner. The young clientele grew impressively Pollard passed out campaign buttons to passersby at the George 2018, he opened the Pollar R. Brown Convention Center during Turner’s first run for mayor back solely focusing on serving in 1991. Some might say it was a foreshadow of events to come now that Pollard clients, a niche that turn is a successful attorney and one of 16 council members leading the fourth largest city in tive for his law firm. He America. But if you ask him, he would say his path has been heavily influenced by the older men and quickly built a mu in his family – from his father, who served honorably in the Marines during Vietnam, to his brothers, in a few short years. who are also lawyers, to his grandfather, who played a pivotal role in the Civil Rights Movement as Martin Luther “I grew my law p King’s mentor and architect of the first bus boycott. ing social media an “The men in my family were never ones to just sit by and watch things happen,” Pollard said. “From an early age, I saw them get about eight years involved, help other people and try to make a positive difference in the lives of others. I guess you could say that service is in my blood.” law firms would As a native Houstonian from the city’s southwest side, Pollard, 36, has always had an interest in history and government. During his primary and TV, billboards, secondary education, he enjoyed learning about the Constitution, Bill of Rights, and other foundational teachings that explained the inner workings of society.

E

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January 2021 | 11

ber Edward Pollard Serves District J

NG A LEGACY OF TABILITY AND PURPOSE noticed that many law firms were not advertising on social media or websites targeting a college-aged or young professional crowd, so I started putting ads online, and my clientele began to grow. It paid off,” Pollard said.

While having a thriving law practice, Pollard also co-founded a 501c3 nonprofit, Suits for Success. The organization targets high school boys in need of guidance and mentorship. In the program, each student participates in a semester-long life skills course where they learn topics such as personal finance, etiquette training, resume building, interview techniques, how to handle peer pressure, and his most favorite class session, how to tie a tie. At the completion of the semester, each student receives a free suit, shirt, and tie.

“It is important because I understand that I did not make it solely off my own efforts. I had many people in my

year in office. Just a few months after the December 2019 runoff election, the coronavirus pandemic hit Houston, quickly shifting his focus from addressing traditional issues facing city leadership to measures aimed at saving lives.

“My first year as a city council member was a whirlwind,” Pollard said.

“Soon after being elected we were hit with the pandemic. Most of my efforts this year have gone toward helping people sustain their jobs and homes, as well as trying to keep communities safe. I am proud of the work As an unmy District J office has done this first year. We put a lot of effort towards dergraduate direct assistance and services to people in need.” student matricuIn addition to handling the pandemic as well as tackling the 2020 lating at Morehouse census, Pollard took the lead on council as the most vocal advocate on College, Pollard studied issues related to Minority Women Small cal science, but at the Business Enterprises (MWSBEs). Pollard had his sights set on bealso stepped up to address the aftermath fesof the George Floyd murore der. Amidst protests and fter calls for police reform, rothe council member dehe veloped his own plan for law modern policing, which ool calls for better transparency and relationship between the police departan tive ment and the community. tive The District J Patrol inihis tiative launched in the ery fall of 2020 and includes ded a special task team made o be up of local residents; two ons Polaris multipurpose paout trol vehicles for specialized “My first year as a city eat at the table.

HPD officers in District J; w school I was and a first of its kind web portal where council member was a residents can report minor, “quality of life” infracPollard began tions before they become major crimes. whirlwind,” Pollard said. “Soon after being elected we were gain experience.

In just one year, the city council member has hit with the pandemic. Most of my efforts this year have gone rn more about earned a reputation for getting things done at gation, and unCity Hall. As a public servant, he’s often seen at toward helping people sustain their jobs and homes, as well Simultaneously, various events in his district every week, whether ganizations and as trying to keep communities safe. I am proud of the work my they involve distributing free food to those in need ghborhood and or creating collaborations to get computer labs for District J office has done this first year. We put a lot of effort students in underserved areas. while still work“Like everything else I do, I try to be relenttowards direct assistance and services to people in need.” aw an opportuless. I’m a workaholic, I enjoy getting up early row his clientele and working late. I’m never satisfied, never com­—Council Member Edward Pollard placent, and never stagnant. I could easily focus Over time, his enough, that in solely on making money and not stressing about rd Legal Group the circumstances of others, but I believe I have g personal injury been called to be a public servant.” ned out to be very lucra- life who advised and guided me, helped open doors, and exposed me to As the second year of his term begins, Pollard is focusing on containing e seized the opportunity opportunities. So now I believe it is my responsibility to give back, so that the COVID-19 virus in Houston, sustaining the local economy by focusmulti -million-dollar firm what was instilled in me can be passed on to the next generation. It gives ing on employment and housing, and improving public safety among a them an opportunity to succeed, and it will be their responsibility to give host of other issues important to his constituents. At the end of the day, practice organically us- back to those who come after them.” he wants his time in office to be impactful. nd online advertisements Taking the road less traveled is a consistent theme of how Pollard opers ago. Back then, most ates. Whether it’s the way he runs his business or his bipartisan approach To learn more about Council Member Edward Pollard and his work only advertise on radio, to city leadership, he sees value in taking an innovative or modern view in District J, please visit www.houstontx.gov. And to contact his and in the newspaper. I when necessary, and that was never more evident than during his first office, please call (832) 393-3015 or email districtj@houstontx.gov.

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12 | January 2021

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January 2021 | 13 June 2020 | 13

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HEALTH & WELLNESS JOURNAL

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

January 2021

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Inspire, Inform & Educate

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11th Edition

Beware of Harsh Chemicals:

Everyday Cleaning & Health During the Pandemic and Beyond 16

INSIDE

14

Pain Doesn’t Discriminate: Study Finds Young People Experience Pain as Frequently as Older People

15

Will the Black Community Get Shut Out From COVID-19 Vaccination?

Experience Our World of Advertising, Marketing, Media and Communication

18

3 Steps To Better Eye Health in 2021

14 | January 2021 HEALTH

Pain Doesn't Discriminate: Study Finds Young People Experience Pain as Frequently as Older People

By Stacy M. Brown NNPA Newswire

A

sore back. That stiff joint. Another headache.

With so much time being spent at home, you're probably noticing more of your daily aches and pains. Many people tend to envision pain only impacting older people, and while everyone's pain is unique, you might be surprised to learn that pain impacts younger generations just as much as older people.

Snapshot Snapshotofofpain painacross acrossAmerica America The vast majority (95%) of U.S. adults ages 25 to 65 report feeling "everyday" aches and pains, according to a survey conducted by Advil Dual Action, in partnership with Wakefield Research. Nearly three-quarters (72%) experience these pains once a week or more.

What's interesting is that younger people report experiencing just as much pain as older generations. In fact, Advil found that one-third (34%) of young adults report experiencing pain every day, nearly equal to that of Gen Xers (36%) and Boomers (35%).

Acutepain painand andyounger youngergenerations generations Acute With younger people trying to find new ways to keep active while staying at home more often, awareness of acute pain may be heightened. This unprecedented year has left many exercising in less-than-ideal conditions, and makeshift home gym setups could lead to bothersome aches and pains, leaving many desperate for relief.

What is acute pain exactly? Acute pain can happen anywhere in the body and feel like a number of sensations,

including aching, nagging, burning, stabbing and nauseating.

The impact of acute pain goes beyond the physical. Advil's research shows that younger people are giving up the things they love due to pain, such as sports, hobbies and even work.

If you are experiencing acute pain, consider a proactive approach you can manage at home to help find relief. Here are three simple things to try: 1. Explore new innovations in OTC medicine When experiencing aches and pains, many Americans turn to two of the most common pain-fighting ingredients: ibuprofen and acetaminophen. Ibuprofen works throughout the body, targeting pain at the source, while acetaminophen blocks pain signals to the brain. While previously, people would have to choose between the two ingredients, Advil now offers a combination that combats pain in a truly unique way. Advil Dual Action is the first and only FDAapproved combination of ibuprofen and acetaminophen and the biggest innovation in the U.S. over-the-counter oral pain relief category in 25 years. It offers the benefits of both ingredients at once to provide up to eight hours of multi-symptom pain relief.

Plus, it contains lower total daily doses of medication than ibuprofen or acetaminophen taken individually. Advil Dual Action is available over-thecounter (OTC) nationwide.

2. Try hot and cold therapy Another method for relieving aches and pains is hot and cold therapy. Applying heat to painful joints or muscles can help soothe aches and soreness by increasing blood flow. For example, for stiffness or tension, use a heating pad for 15 minutes on the affected area.

Alternatively, a cold compress can slow blood flow, helping to reduce swelling and pain. This is often used as a temporary treatment for pain associated with an injury, such as an ankle sprain. For example, cold therapy can be used on a sore joint by applying a cool gel pack for 10-minute increments at a time, helping you feel better while the body heals.

3. Prioritize stretching and exercise Many people who experience pain find that they are less likely to engage in physical exercise, for fear that it will exacerbate their pain. To compound the negative, the global pandemic has made it more difficult to get out and exercise. Routines have changed and reduction in movement can lead to additional acute pain. That's why it's important to find ways to incorporate movement into your daily routine. This can be as simple as doing gentle stretches each day for 10 minutes when you wake up or taking a walk around the neighborhood at lunch. Movement can help increase blood flow, reduce stiffness and strengthen the body, which can support short and long-term relief.

While acute pain may be common among younger people, it doesn't have to be a fact of life. These simple steps can help anyone feel better and live life fully.

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Source: BPT

January 2021 | 15 HEALTH

Will the Black Community

Get Shut Out From COVID-19 Vaccination?

By Stacy M. Brown NNPA Newswire

T

he first wave of coronavirus vaccines should reach the public soon, with the Centers for Disease Control and Prevention (CDC) recommending that all adults receive the vaccination in 2021.

While the CDC said there should be enough doses for as many as 20 million people to receive vaccination by the end of December, health officials expect a much larger supply in the coming months.

Still, with a justified distrust of unproven vaccines, and a perceived limited participation by African Americans in clinical the trials that lead to the development of the COVID-19 vaccine, many questions whether African Americans will accept vaccination.

Others are also concerned that, even if the Black community generally accepts the vaccine, would doses be available.

“I’m guessing white folks will be first in line,” Monica Roderick, a Temple Hills, Maryland mother of four, opined.

“One of the reasons I shudder when I hear people talk about how Black people are still suspect because of t he Tu skegee Experiment and other vaccines that ended wrong is because it tends to give other folks the greenlight to leave us out,” Roderick said.

She continued: “This virus is the worst thing the world has seen in 100 years. It’s too important not to consider the vaccine, especially since most people affected by the coronavirus are Black and Brown.”

Putting whether the Black community can trust the vaccine aside, the next controversy on the immediate horizon is whether African Americans will have access.

The initial supply certainly will overwhelm demand, CDC officials said. The federal government plans to distribute the vaccine in phases.

Health care workers and patients in long-term health care facilities are first in line.

According to guidelines, senior citizens and those with high-risk comorbidities and essential workers are next.

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After that, state and local government officials will determine who next receives a vaccination.

So far, most states have yet to develop a concrete plan.

The outline reportedly provided suggested no explicit details about reaching marginalized populations like the Black community who have suffered the most.

“I’m looking at social media, and I’m seeing [Former President] Barack Obama saying he’ll take the vaccine on television, and I’m shaking my head,” said Tonia Everhart, a Northeast, Washington, D.C., nurse.

“First, understand that Obama isn’t necessarily the most trusted voice in the Black community, and he’s not a doctor.

“While I understand what he’s trying to do to encourage participation and eliminate fear, our community needs Black medical professionals, trusted voices, to say it’s okay to take the vaccine and then we need to be assured that we are not going to be left behind when the vaccine becomes available,” Everhart demanded.

Health officials agreed.

“You need that deep community engagement to strategize and inform what needs to be done, community by community,” Eric Toner, a senior scholar with the Johns Hopkins Center for Health Security, who was the lead author for Johns Hopk ins’ Covid-19 vaccine allocation framework, told NBC News.

That means engagement of local leaders, from pastors to principals, to reach hesitant individuals, he said, adding that such strategies are particularly key to reaching historically marginalized and disenfranchised communities.

“That is a public health priority not only for ethical and moral reasons but because that’s where a lot of the transmission of the disease is happening,” Toner added.

“It’s absolutely true that we can’t reach them solely through public messaging,” Toner continued.

“States need to be working now to create the relationships in those communities with trusted leaders to encourage people to seriously think about getting vaccinated.”

Source: NNPA

16 | January 2021 HEALTH

Beware of Harsh Chemicals:

Everyday Cleaning & Health During the Pandemic and Beyond By d-mars.com News Provider

T

he coronavirus pandemic has shed light on the dangers of rampant overuse of harsh chemicals in products we use every day to clean our skin, homes, offices and public spaces - making natural and skin-friendly cleaning solutions more important than ever. A recent CDC study, "Cleaning and Disinfectant Chemical Exposures and Temporal Associations with COVID-19," warns Americans to be vigilant when using harsh cleaning products (including sprays, wipes and hand sanitizers), citing a dramatic increase in accidental poisonings compared to the last two years. For example, in 2020 alone, U.S. poison control centers responded to 18,292 exposure cases from hand sanitizer in children 12 years and under. Additionally, the FDA recalled 178 alcohol hand sanitizer products that contained dangerous and toxic ingredients for humans, pets and plants - like methanol and 1-propanol.

So,what whatisissafe? safe?Here's Here‘saashort shortlist: list: So, 1. The base for most disinfectants contains toxic chemicals like alcohol, bleach and acid, which quickly lose their effectiveness. In contrast, Disinfect & Shield Surface Cleaner kills on contact and protects for 28 days against viruses, bacteria, molds and fungi, such as strains of SARS, H1N1, E. Coli, and harmful microbes, including the coronavirus. Extensive third party and university testing has proven the product's effectiveness as none of these organisms were able to penetrate or survive contact with the protective coating.

Disinfect & Shield is both eco-friendly and safe for use around humans, animals and

plants - including crops. Any place where people gather to work or play should be kept free from harmful elements, which is why airports, airlines, hospitals, bars, night clubs and fitness facilities are all reconsidering their cleaning protocols, especially around food preparation. Disinfect & Shield is safe to use on personal protective equipment to provide additional safety and confidence to first responders and medical professionals. Additionally, the FDA-listed Disinfect & Shield 8-Hour Hand Sanitizer has been proven effective against SARS-Cov-2, harmful bacteria and viruses for up to 8 hours and 10 hand washings. It lasts 700x longer than leading alcohol-based hand sanitizers. While the Laundry Complete sanitizes, deodorizes, and softens all fabrics during washing cycle providing virus, bacteria, and germ protection for up to 200 days after cycle.

2. With as many as 45% of Americans reporting sensitive skin, it is important to take into account how many commonly used household items contain allergens or irritants that might cause skin irritation and discomfort.

Many laundry detergents include chemicals and ingredients like surfactants, parabens, dyes and artificial fragrances. Instead, choose skin-friendly substitutions to ensure the health and wellbeing of your family is protected.

Hypoallergenic Arm and Hammer Sensitive Skin, Free & Clear Laundry Detergent is a preservative-free and safe detergent to clean everything from clothing to household linens to protect skin from harsh, reaction-producing allergens.

3. The harsh chemica ls suggested to kill SARSC oV-2 , t he v i r u s that causes COVID-19, as well as other dangerous viruses, bacteria, E. coli, Salmonella, Staph a nd MRSA also kill the good bacteria. Our environments and bodies need these good bacteria to fight infections and protect our immune systems, making it critical to add environmental probiotics to our cleaning regimens at home, in office buildings and in public places. Chemical-free P2 Probiotic Power products offer external probiotic technology to deliver a stronger defense barrier than antibacterial products, disinfectants and bleach. Our environment, just like our body, has an immune system that plays a key role in our overall health.

The best way to boost and balance the environmental immune system is to use P2 probiotics to replenish and correct the balance of good bacteria on surfaces, in the air, on your skin and in/on your pets. If we continue to use cleaning products with harsh chemicals that kill good bacteria, we will see more virulent strains of superbug bacteria, mold, fungus and mildew - because microbes always have the last word.

Remember: take caution when using traditional household cleaners containing alcohol, bleach, and acid as they quickly lose their effectiveness, destroy surfaces, and harm skin. Instead opt for external probiotics that replenish the good bacteria that help us stay healthy and protected. In addition, look for products that not only kill viruses and bacteria, but also offer long-term protection against them and prevent dangerous organisms from attaching. Now more than ever, make sure to choose skin-friendly surface cleaners, laundry detergents, and hand sanitizers to keep your loved ones healthy, comfortable, and safe.

Source: BPT

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January 2021 | 17

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18 | January 2021

HEALTH

3 Steps

To Better Eye Health

By Stacy M. Brown NNPA Newswire

J

anuary is Glaucoma Awareness Month, a great opportunity to spread the word about a disease that affects more than 3 million people in the United States. Since glaucoma often strikes without symptoms and can cause significant vision loss before a person notices changes in their eyesight, it's critical to learn what you can do to protect your eyes.

Taking steps to protect your vision is more challenging this year because of the continued impact of the COVID-19 pandemic on our daily lives. January is also typically a time of flux in health insurance coverage with plan changes, deductible and co-pay resets, and prescription plan updates. However, despite these challenges, protecting your vision should remain a priority.

Here are three things you can do to take control of your eye health this month.

1. Schedule an annual eye exam Early detection and treatment are paramount to managing glaucoma and other vision-threatening conditions.

That's why it's critical to have an annual eye exam, particularly if you're over the age of 40. Since some forms of glaucoma are inherited, it's also important to talk with family members to see if there is any history of the disease within your family. It may not be something your family members have talked about before! This will be valuable information to share with your eye doctor during your exam.

"Glaucoma Awareness Month is a great time for a candid conversation about glaucoma within your family," says Tom Brunner, president and CEO of the Glaucoma Research Foundation. "If you have a family history of

in 2021 glaucoma you may be at higher risk for developing the condition. The earlier glaucoma is detected, the more manageable the disease may be to treat."

2. Maintain your current eye care plan While the pandemic has caused many people to consider delaying in-person medical appointments, it's very important to keep scheduled office visits if you have been diagnosed with glaucoma. Your eye doctor needs to see you periodically to ensure that your vision is stable and adjust your treatment plan if needed.

If you are concerned about the safety of in-person office visits, you may be pleasantly surprised by the comprehensive steps your eye care provider has taken to help keep you safe. When you make your appointment, the office staff will let you know about any new safety protocols and requirements.

"Social distancing and other protective measures are changing the in-office patient experience," says Dr. Richard Lewis, a practicing glaucoma specialist and chief medical officer at Aerie Pharmaceuticals. "Among the steps we have taken at my practice are plastic shielding on the instruments, requiring staff and patients to wear masks, and minimizing waiting room and exam room 'chair' time."

It's also important to continue taking prescribed medications as part of your ongoing glaucoma care. One common reason why people stop taking their medications is because of the cost. The key is to understand

your prescription benefits, particularly what medicines are covered, as well as when annual deductible resets and co-pay adjustments occur.

When filling your prescriptions, it may also help to shop around. The price for a medication can vary from one pharmacy to the next, with preferred pharmacies associated with your health plan usually offering the more competitive price. If you are on a Medicare Part D drug plan that doesn't cover your medication, your doctor may be able to submit a prior authorization to allow you to get it. In addition, if you have commercial insurance and are taking a brand medication, the pharmaceutical company may be able to assist you financially in the form of prescription savings programs.

3. Understand your treatment options Ongoing scientific research and clinical development in the field of glaucoma have brought forward an array of new medical interventions. In fact, today your eye doctor has more options to treat glaucoma and provide personalized care than ever before. Become your own advocate by learning about all the treatment options that are available and discussing your specific needs with your doctor.

A valuable starting point is "Understanding and Living with Glaucoma," a free booklet published by the Glaucoma Research Foundation. It can be downloaded or ordered at www.glaucoma.org/booklet. The foundation's website also offers a wealth of resources to help you take control of your eye health during Glaucoma Awareness Month and beyond.

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Source: BPT

January 2021 | 19

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20 | January 2021

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January 2021 | 21 EDUCATION & CAREER

How To Spark

Your Child’s Interest in the Field of Education By d-mars.com News Provider

I

f your child is an effective communicator and a natural born leader, they may have what it takes to be an amazing teacher. However, a love of learning is fundamental to a career in education.

Here are a few ways to cultivate a passion for learning and put this rewarding career path on your child’s radar:

• Be a good role model: Whether it’s checking out library books and watching documentaries or pursuing an advanced degree, you can serve as role model by demonstrating the ways that learning can and should be a lifelong pursuit.

• Be understanding: School is not always going to be easy. Avoid punishments and other negative consequences for less than stellar grades. Such an approach is unlikely going to motivate your child to work harder and may only backfire. Instead, start a conversation and find out what’s going on. There could be a larger issue causing the setback.

• Make learning fun: You can help make sure that learning

never feels like a chore by giving your child the space and tools to explore topics of interest to them.

For example, if your child wants to learn to play a musical instrument, check out new tools that make the process fun and easy. For example, the range of keyboards available from Casio have built-in learning tools and also connect to the Chordana Play app, which can help budding musicians quickly take their skills to the next level. With the option to add any MIDI file into the app, your child can select the exact songs they want to learn.

• Encourage peer-to-peer tutoring: Is your child excelling in a particular subject? Encourage them to help out classmates who may be struggling in the same area. Whether they volunteer their time bringing friends up to speed or turn it into a business, this is an excellent way for your child to hone instructional skills. When it comes to math and science, free online resources can help them dial in their own grasp of the material and get started tutoring. Check out Casio’s education resource page, which features lesson plans and webinars -- useful tools for students and educators of all ages. To access these resources, visit casioeducation.com.

Today’s students are tomorrow’s teachers. By instilling a love of learning in your child, you may spark their interest in the field of education.

Source: StatePoint

EDUCATION & CAREER

Are Calculators Good or Bad for Helping Kids Learn Math?

By d-mars.com News Provider

I

f you remember your teachers and parents telling you not to rely too heavily on calculators, you may be inclined to pass on the same mindset to your own children.

Here are some of the pros and cons to using calculators to master STEM subjects: • Adaptation to a Changing World: Tech tools are ever evolving, featuring expanded capabilities with each new update or model. Being able to successfully navigate these tools and platforms over time is critical, and calculators are no exception.

In fact, in many math and science classrooms, calculators play a central role in lesson plans and are even allowed to be used during tests. Being able to comfortably use a calculator will give your child a leg up academically. What’s more, kids today are digital natives. Giving them a resource that feels familiar to them may help draw them closer to math.

• Speed and accuracy: There is no doubt that actually understanding how calculations are arrived at is fundamental, and this means some initial learning will need to take place calculator-free. This is especially true when a student is first grasping basic arithmetic.

However, once a student has attained a certain skill or understands the reasons why a particular equation is needed for a given problem, there is no need to deny them a tool they would have access to “in the real world.”

Having a calculator on-hand can help them apply their knowledge, contributing to a broader understanding of math and enabling them to quickly check their work.

• Expense and value: Calculators range widely in price, and you may balk at the price tag on some of today’s models. However, there are many high-quality options that can be obtained affordably. For the best value, consider a calculator that grows with your student, supporting learning over a number of years and grade levels. For example, the graphing calculators from Casio, have all the mathematical functions a student would need starting in grade school up through college.

What’s more, the brand has created an online calculator tool, ClassPad.net, which features the same wide range of functions and can be used for free on any device.

Whether your student is working on the basics of addition and subtraction or is tackling integrals and derivatives, a calculator can be a trusty tool that supports their learning and success.

Source: StatePoint

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22 | January 2021 FINANCE

4 Ways To Protect Your Finances and Investments in 2021 By d-mars.com News Provider

F

inances are consistently a top concern for many Americans, with "saving money" a top-10 most common New Year's resolution. This year, Americans are more concerned than ever before due to the uncertainty created by the COVID-19 pandemic.

USE Credit Union reported that more than 75% of nontransactional calls received since the start of the pandemic were from members concerned about their financial future, citing economic hardship as the primary reason for concern. The economy and job market remain in a state of constant flux, which is causing many families to worry about their ability to pay an unexpected bill, continue to pay off student loans, mortgages or credit card debt, or save money for the future.

"Saving money is more than just putting spare change into a coffee can, or simply ordering takeout less often," said Jeff Schroeder, vice president and chief product officer at Mercury Insurance. "Sure, those things can add up over time, but people may find that their greatest savings can come from taking a look at the necessary expenses they pay for every month, such as insurance."

more expensive repairs if your insurance doesn't cover it, if you're underinsured, you may also be responsible for paying out of pocket for medical bills, which could potentially devastate savings for a down payment on a house, your child's college tuition or a future vacation.

It's vitally important to make sure you have the right amount of auto insurance coverage to protect against unforeseen events."

2) Know what your homeowners insurance covers.

First and foremost, be sure to read your homeowners insurance policy so you're clear about what it does and doesn't cover. It's a good idea to check in with your insurance agent each year to ensure you have adequate coverage, especially if you've made renovations, own collectible or valuable items, or live in an area that's prone to flooding or earthquakes, as standard homeowners insurance policies typically don't cover these situations.

Also, maintain a home inventory to make sure to have an accurate record of your belongings and property.

3) Be aware of potential gaps in coverage. A standard homeowners insurance policy often doesn't cover mechanical failures to your home's

Schroederrecommends recommends these Schroeder these four fourtips tipstotohelp help protect your finances in the coming protect your finances in the comingyear: year:

appliances, HVAC or other essential systems, nor does it cover a break to service lines on your property that supply your home with electricity, gas or sewer functions.

In either of these scenarios, this means you would be responsible for writing a big check to a repair company or having to purchase a pricy replacement. However, adding home systems protection and service line protection endorsements can help provide coverage for costly repairs and replacements, saving money and your peace of mind. Pennies spent now can save you thousands of dollars later.

4) Regularly shop for the best coverage and price.

Insurance prices can vary significantly from company to company, so it's a good idea to take a few minutes to see if you're getting a good deal. Shop around at least once a year - making sure to look for the exact same coverage limits - to see if you can find a more affordable rate.

"Often, regional insurers like Mercury Insurance are more attuned to their policyholders' needs and can offer better rates," Schroeder added. "For example, the California Department of Insurance found that Mercury auto insurance policyholders save an average of $670, which can go a long way in feeling more secure in your savings."

The most effective way to make sure your finances are minimally impacted by insurance costs in 2021 is to speak to an independent insurance agent. They can help make sure you have the proper amount and type of coverage to keep yourself, your family and property protected.

1) Check your auto insurance coverages. There's no reason to pay for more coverage than you need, but being underinsured can leave you exposed. "The cost of repairs after a collision has grown in recent years, both as a result of more crossovers and SUVs on the road, and more technologically advanced vehicles," said Schroeder. "Beyond paying for

Source: BPT

FINANCE

5 Not-So-Secret Ways To Make the Most of Your Money By d-mars.com NNPA Provider

T

he holidays are approaching, and New Year's resolutions are top of mind. For many, this means thinking about how to be smart with your money. Whether you're shopping for loved ones, looking to start a new hobby or treating yourself to something special, a little purchase planning goes a long way.

If you're using a credit card, did you know there could be added perks right at your fingertips that could help you unlock even more value from your purchases? Here are some quick tips to help you take advantage of all the benefits and tools from your credit cards, so you're not leaving anything on the table.

1. TAKE ADVANTAGE OF REWARDS Some card issuers offer higher rewards on certain categories, such as groceries or drugstore purchases. Pay attention to the bonus categories offered with your card to make the most of your spending. You can also try shopping through your card

issuer's rewards portal on the mobile app or website, and you might even have access to extra points with certain retailers.

2. USE POINTS TO PAY FOR PURCHASES Your credit card points can be just as valuable as the money in your pocket.

Check your credit card rewards portal for all the redemption options that might be at your fingertips. Some, like Chase Ultimate Rewards, give you the option to redeem for gift cards, electronics and even statement credits toward charitable contributions.

3. ACTIVATE OFFERS TO UNLOCK MORE VALUE You've probably heard of cash back and credit card points and miles, but did you know some cards have even more perks simply by having it in your wallet. For example, Chase's Get More Now offers give eligible Chase credit cardmembers an easy way to unlock special perks all year long. All you have to do is go to www.chase.com/getmorenow, select your card and see the discounts and special offers available for you. You

can activate or enroll and instantly start taking advantage of where you might already be using your card. Right now, eligible cardmembers can earn more rewards with Lyft, enjoy free 2-day shipping with ShopRunner and more.

4. PLAN YOUR SPENDING Spend your money wisely over the holidays by planning how you'll pay for your purchases in advance. Chase recently introduced My Chase Plan, a digital 'buy now, pay later' feature that allows credit cardmembers the option to pay off purchases over a period of time that works for them with no interest, just a fixed monthly fee. And as an added bonus, you still earn rewards on the purchase. Before you purchase, you can even use the Plan Calculator to approximate what your payment plan will look like.

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5. TRACK SPENDING USING YOUR MOBILE BANKING APP OR ONLINE CREDIT CARD PORTAL Knowing your expenses is one of the first steps to managing your money, and your mobile banking app or online credit card portal can be one of your best tools to do so. Instead of keeping physical receipts of all your purchases, log into your account to track how you're spending money. Some apps will also give you a spending summary, so you can look at your annual spending through a customized view.

Whether you're applying for a new credit card or looking to make the most of the one you have, be sure to tap into all the rewards and benefits available to you.

For more information on ongoing deals, discounts and free trial offers available to eligible Chase credit cardmembers, visit www.chase.com/getmorenow.

Source: BPT

January 2021 | 23

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24 | January 2021 REAL ESTATE

Jumping on the Real Estate Boom?

Do Your Homework First

helps b ot h consu mers and lenders by providing a more accurate representation of the risk for someone to default on a payment on his/her loan. It also provides more consistent scores regardless of which national credit reporting company provides your score, which is helpful especially for firsttime home buyers.

By d-mars.com News Provider

ver the past several months, everyone's lives have been upended, with consequences nobody predicted. One unexpected result of the pandemic?

A real estate boom.

With so many more people working from home, people are re-evaluating their living spaces, including those who need to factor in homeschooling. Some families are realizing they need more bedrooms, larger yards or just more space in general. Others who have suffered financial setbacks may be looking to downsize. And many city dwellers are trying to move away from congested areas to smaller towns or suburbs. All of these changes, plus the low mortgage rates, have resulted in plenty of activity in the housing market.

If you're one of the many Americans considering a move, here are some tips to navigating the process successfully right now.

O

If your credit score is not up to par, improve it by: • Making timely payments on bills, especially credit cards, and pay more than the minimum when you can.

• Reducing the percentage of revolving credit you're using by paying down some of your cards. Under 30% of the maximum credit available is optimal.

• Asking for your credit limits to be increased. If you increase the credit limit but don't charge more on your card, you'll be using a smaller percentage of your limit.

• Keeping a neglected credit account active by making a small purchase on it that you can quickly pay off.

No matter which strategies you use, allow a few months for your improved credit habits to show up on your report before applying for a mortgage.

1. CHECK YOUR CREDIT

Long before you make any large purchase, whether it's a car or a home, you should check your credit score and your credit report.

Before you even sta r t scoping out neighborhoods, visit AnnualCreditReport.com, a site where you can access for free your credit report - these days, on a weekly basis. Also be sure to review the report to ensure there are no errors.

You can also check your VantageScore credit score for free at websites like CreditKarma.com, MyLendingTree. com and MyCreditGuide from American Express.

The VantageScore model, widely used by lenders,

2. GET PRE-QUALIFIED FOR A MORTGAGE Being pre-qualified makes you a much more attractive buyer.

The first step in getting pre-qualified is checking your credit score (see above).

Next, crunch some numbers. You'll need to figure

out your debtto-income ratio (DTI) based on the anticipated mortgage monthly payment: How much (percentage) of your gross monthly income goes toward debt (student loans, credit cards, car payments, etc.)? Most mortgage lenders look for a DTI of 36% or lower. If your DTI is high, see if you can decrease your debt by paying some down and/or increase your income (perhaps with a parttime job).

Apply with a number of lenders - some will give you better rates than others. Before applying, ask what information and documents you (and your co-borrower, if there is one) will need. This will include proof of employment and income, plus previous tax returns.

Also, be sure to apply to all the lenders within a span of two weeks. That way, only one "credit inquiry" will impact your VantageScore credit score.

3. TAKE ADVANTAGE OF VIRTUAL HOME TOURS

Save time and stay safe by touring homes v i r t ually while you're in t he i n itial stages of househ u nt i n g .

O n c e you've narrowed down your choices, you can ask about visiting properties in person, following safety protocols.

4. LEAVE YOUR EMOTIONS AT THE DOOR Whether you're buying and/or selling, don't let the emot ions of the moment push you into making a hasty decision. Make sure you know your budget and the acceptable terms or conditions for the purchase (or sale). If the seller (or buyer) suddenly changes something about the deal - from the closing date to the offer or asking price - don't make a snap decision. Tell them you'll think about it overnight and discuss it with your real estate agent. Weigh the pros and cons before agreeing.

For more financial tips and information about credit, visit www.yourvantagescore.com.

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Source: BPT

January 2021 | 25

TH E

E X P E R T

N E TW O R K

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26 | January 2021 REAL ESTATE

Zillow Finds

Remote Work Could Help Black Renters Become Homeowners By d-mars.com News Provider

T

he rapid rise in pandemic-driven telework could make first-time homeownership most broadly accessible to black renters compared to other renters, based on factors including income, the makeup of local industries, geography and more, a November Zillow analysis suggests.

Zillow research found that, of the nearly 2 million U.S. renters who are able to take advantage of heightened telework options and could afford monthly payments on homes in less-expensive areas outside of their current metros, Black renters benefit far more than other renters.

In large metro areas where typical starter home values are higher than they are nationally, Black renters are 29% more likely than other renters to be able to buy their first home in a less expensive area because of the opportunity to work from home permanently.

Black renters have the most opportunity due to their likelihood of working in more “remotable” industries, like educational services and public administration, combined with having relatively low-income levels, pricing them out of where they currently live, but high enough to potentially afford a home in a less-expensive metro.

“Teleworking has opened up more options for my family. We’ve made a life here in Maryland, but with two small children being able to purchase a home back in Louisiana and be closer to my parents and our extended family is just what we need,” says Jonathon Holloway, federal employee and Maryland renter who recently made an offer on a home in Louisiana.

“With everything that has happened this year, it makes you stop and realize what is really important. And for us, that’s family.

Without the ability to telework, we might not have been able to make this transition.”

That opportunity is highly dependent on each specific market. In Baltimore, for example, it is more likely for Black households making $30,000 to $40,000 to have primary earners in health care administration and office work, which is highly “remotable”, while in Phoenix it is more common that someone in this bracket would be in travel, hospitality and accommodation, or food service, which is not.

The black and white homeownership gap remains as wide today as it was at the dawn of the 20th century. Nearly 75 percent of white households own their homes, compared with just 44 percent of Black households.

While remote work can open up

opportunities to buy a home in more affordable locations, it doesn’t address the root of the various affordability issues for people of color. This means, for some people, achieving homeownership in this way will be a tradeoff against living some place they would prefer.

For others, though, it could mean the sudden ability to move to an area they would have preferred in the first place.

This analysis shows that Black renters are most likely to face this tradeoff decision.

“Although it’s well-known that the pandemic has been disproportionately harmful to Black communities, the rapid shift to remote work could make homeownership more broadly accessible,” said Zillow economist Treh Manhertz.

“It’s a rare opportunity for those in a position to take advantage of remote work.

Unfortunately, this shift will not be a major factor in closing the homeownership gap nationally. The larger-scale solution must be to create options for affordable homeownership locally. Moving away may be a newer option for some, but it shouldn’t be the only option available to achieve homeownership.”

Although white and Asian renters are much more likely to work in more “remotable” industries, such as finance, insurance and tech, their incomes more often allow them to buy homes in their current metro areas.

At the national level, teleworking could open homeownership to 4.5 percent of all renter households, including 9 percent of Asian renters, 3.7 percent of Black renters, 5 percent of Latinx renters, and 4.1 percent of white renters.

While the national numbers show the share of households with “remotable” work who could potentially afford a home in another metro area, they don’t paint the entire picture by considering how effects will impact each community differently based on variations in home prices, incomes, and industries geographically.

A starter home in the U.S. is around $132,000, which at recent low rates and a 20 percent down payment translates to estimated monthly payments of about $725, about 30 percent of income for a household earning $29,500 per year.

Black and LatinX Americans are at the bottom of the ladder when it comes to wages, but for homeownership, the benefits of telework are larger at lower income levels.

Job concentration has driven home values especially high in the largest metros and many households have been priced out.

Telework has the potential to offer more flexibility and shift the affordability equation just enough for many households to get a foothold in homeownership.

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One thing I am proud of is that for 20 years I have kept my core beliefs,” Davis said. “I know that by holding on to those values, we have changed lives and helped people grow in business and in their personal lives. It is all thanks to the people who supported us and saw we were doing good in the community.

— Keith “MR. D-MARS” Davis, Sr.

ORDER ONLINE NOW WWW.KEITHJDAVISSR.COM (713) 373.5577 Keith J Davis Sr.

Source: NNPA

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28 | January 2021

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Final HEB Diversity Red ads.qxp

4/7/08

11:24 AM

January 2021 | 29

Page 5

At H-E-B, each and every Partner is responsible for upholding our commitment to diversity. Our daily actions value both the differences and similarities that make our Customers, Communities and Partners so unique.

®

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

www.heb.com

©2008 H-E-B Food Stores

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30 | January 2021 TECHNOLOGY

Making the Call of 5G: Is It Time To Switch?

By d-mars.com News Provider

A

fter seemingly years of breathless hype, 5G network technology has finally arrived across much of the country. Delivering increased connection speeds and improved call quality, 5G is the new state-ofthe-art for wireless users, and both cellular providers and device manufacturers are rushing to convince customers to hop aboard this new "superfast" train.

But for the average cellphone user, how important is it to make the switch to a 5G compatible device right now? Here are the key things to consider when making that decision.

What does 5G mean?

First, it's important to understand what 5G means.

The "G" stands for "Generation" - meaning, simply, this is the fifth generation of mobile networks since the industry started. It is a new global wireless standard, following 1G, 2G, 3G and 4G networks that preceded it. The technological advancements of 5G (providing higher data speeds during peak usage times, reducing lag time, etc.) were driven by the need to keep pace with the explosive growth of wireless use since the last standard (4G) was rolled out in 2010.

What will 5G replace?

Mobile networks have a limited amount of bandwidth to operate on. This means that when a new "Generation" of technology is rolled out, an older one has to be turned off to make room for it

on the network. In the case of 5G, it will be replacing the oldest "Generation" which was still in use, 3G. 3G networks have been in use since 2001, and providers expect them to be out of service by the end of 2021.

What does your current device use?

Whether or not you need to act quickly to replace your wireless device depends entirely on how old it is.

If you are still using a flip phone or smartphone that connects to wireless networks using 3G technology, you can expect a year or less of use before you will be unable to make or receive calls, or connect to mobile data, with it.

If you have a phone purchased in the last few years that uses 4G, you won't need to make a change anytime soon.

As we see from 3G, the lifespan of each "Generation" of wireless technology lasts for around 20 years, so you'll likely be able to stay connected using 4G for at least another 10 years (though your phone itself may

not perform satisfactorily for that long).

How do you use your device?

For most users, the faster speeds provided by 5G networks will be noticeable primarily when performing data-heavy tasks with your phone, like streaming high definition video or downloading large files. If these are important to you, upgrading to a 5G device will be a definite benefit. However, if you are satisfied with the performance of your current phone using 4G networks, this standard will remain in place for the foreseeable future.

Who's your carrier?

Wireless carriers have taken a variety of approaches to the arrival of 5G, with many offering incentives for customers to upgrade to newer devices. Their customer service is key to helping you understand your needs and what they have available. For instance, Consumer Cellular, which J.D. Power has named #1 for customer service among non-contract carriers nine times in a row, has begun offering 5G compatible phones in a variety of price ranges. The company focuses largely on customers ages 50 and up, and has helped successfully steer them through technology transitions for 25 years.

As with any new technology, an informed consumer is a happy consumer. By understanding what 5G means, and what benefits it can provide, you'll be able to make a decision that will ensure you have the wireless service that's right for you.

Experience Our World of Advertising, Marketing, Media and Communication

Source: BPT

January 2021 | 31

Experience Our World of Advertising, Marketing, Media and Communication