Business Journal 166

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BUSINESS JOURNAL

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

June 2021

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Inspire, Inform & Educate

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166TH Edition

Industrial Welding Academy: Family-Owned and Operated, Providing Students a Second Chance and Opportunity for Success Left to Right: Andre Horn, Desiree Horn, Miranda Horn, Dalton Horn

12, 21

INSIDE

8

Radio One Brings Praise Back to Houston

22

7

Mark A. Malveaux Shares His Personal Journey to HBCU Giving

Curtis “50 Cent” Jackson Partners With HISD To Prepare Student Entrepreneurs

2 | June 2021

Experience Our World of Advertising, Marketing, Media and Communication

June 2021 | 3

PUBLISHER’S MESSAGE

MR. D-MARS CERTIFIED:

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d-mars.com is proud to continue our partnership with the community, welding. Family businesses leaders focus on the next generation, not the publishing positive content and success stories promoting the advancement next quarter. Andre Horn, founder and CEO and Miranda Horn, vice of our African American businesses and civic president, lead this family-owned business, preparing and community leaders. students, but also the next generation of IWA leaderWe have all heard the term, “family first.” ship. Their children, Desiree and Dalton Horn show And as we embark upon a new month, I want passion and gain first-hand experience to be successful in continuing the IWA legacy. to encourage you to think about family. Now this is not just in the sense of your home, but Andre and Miranda embracing strategies that put the your business as well. What legacy are you students first, also emphasizing social responsibility, is a “Behind the success of every small leaving with your business for generations legacy they proudly pass on to Desiree and Dalton. The business, there is a family.”

Horns have built IWA into more than just an academy, after you? More importantly, what are you teaching your children when it comes to your but a family-run operation preparing students to be pro—Unknown business? Understand that our children are ductive assets in the industry and in their communities.

It’s a great legacy that will remain standing for years to not too young to learn how to sow seeds come, remaining the bridge connecting those needing of success in entrepreneur endeavors. It’s a second chance to a successful career in this industry. important to teach our children and young As always, thank you for your continued support of people the foundational tools of business, whether they run the family business or start d-mars.com, progressing our publication’s efforts to their own. highlight the communities in which we serve, live, and work. Partnering This month’s cover story shines the spotlight on the Industrial Welding together, we succeed in making positive things happen.

Academy (IWA), a respected and family-owned establishment that continues to meet the industry’s demand for welders, providing higher education in

Port of Houston

BEHIND THE JOURNAL PUBLISHER & CEO Keith J. Davis, Sr. CHIEF OF STAFF & MANAGING EDITOR Kimberly Floyd ACCOUNTING MANAGER Eugenie Doualla BUSINESS DEVELOPMENT MANAGER Amber P. Jones ASSISTANT SALES REPRESENTATIVE Tiffany Brown OPERATIONS COORDINATOR Bria Casteel ART DIRECTOR Angel Rosa DIGITAL MEDIA MANAGER Erick Fontejon PHOTOGRAPHY Grady Carter L.C. Poullard DISTRIBUTION Rockie Hayden CONTRIBUTING WRITERS Mark A. Malveaux Stacy M. Brown d-mars.com

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CONTENTS

OUR SERVICES

04 BUSINESS 04 5 Ways Small Businesses Can Thrive Into the Future 06 Essential Services for Growing Your Business in a Post-Pandemic World 06 Comerica Bank Commits $5 Billion to Small Business Lending Over Next Three Years; Expands RISE! Initiative to Support Small Business Growth 07 Mark A. Malveaux Shares His Personal Journey to HBCU Giving 08 “Open” Signs Take on New Meaning for Small Business Owners

ADVERTISING | MARKETING MEDIA | COMMUNICATION

08 COMMUNITY 08 Radio One Brings Praise Back to Houston 12 Black, Latino and Female Officers Use Less Force Than Whites 12 EDUCATION & CAREER 12 Help Your Struggling Student Make Math a Part of Everyday Life 10-11 COVER STORY 10-11 Industrial Welding Academy: Family-Owned and Operated, Providing Students a Second Chance and Opportunity for Success 13-20 HEALTH & WELLNESS 14 Family of Black Doctors Has Social Media Buzzing 15 How to Combat Allergies and Support Health All Year 16 How Disability Insurance Can Help You Protect What Matters Most 18 Are You at Higher Risk for Having a Life-Changing Stroke?

18 The 4 Best Ways To Protect Your Eyes This Summer 22 EDUCATION & CAREER 22 Renowned Civil Rights Attorney Benjamin Crump to TSU Grads, “You Are Who Our Ancestors Dreamed About” 22 Curtis “50 Cent” Jackson Partners With HISD To Prepare Student Entrepreneurs

• 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

24 FINANCE 24 3 Money Tips To Help Single Moms Build Wealth 24 How To Avoid Unexpected Fees From Subscription or Recurring Services 24 5 Tips To Help You Take Control of Your Finances 28 REAL ESTATE 28 Supporting Fair Housing, Inclusivity in Your Community 28 Assistance Still Available For Renters Amidst COVID-19 Pandemic 30 Compare the Benefits of a New to an Existing Home

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4 | June 2021

5 Ways

BUSINESS

Small Businesses Can Thrive Into the Future By d-mars.com News Provider

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or the past year, the pandemic has disrupted the world - and small businesses are no exception. While navigating challenges, many small to medium-sized businesses (SMBs) discovered keys not only to survival, but to adapting and thriving. New research reveals what SMBs need to weather today's hardships - and future challenges.

Hereare arethe thetop topareas areas SMBs SMBs need to focus on.

Here 1. Boost cybersecurity with smarter technology Technology company Lenovo's "Future of Work and Transformation Study" shows that while companies experienced a learning curve moving employees to remote work, businesses are leveraging smarter technology to increase IT security and empower employee productivity.

All companies have had to respond to the need for increased IT security and support for employees relying on home Wi-Fi networks. Employees using remotely-connected cloud and collaboration tools from their laptops or other devices on home Wi-Fi networks may increase the risk to data security, putting increased strain on IT department resources.

Lenovo's study found that although most SMBs subscribe to an IT security service, data security and compliance management remains a burden. Fortunately, most businesses recognized the need early, and 80% of them built strategies to keep things running, including plans for data security and redundancy. About 45% of businesses reported having cloudbased data backup, 39% had physical data backup and 39% provided data security training.

Businesses may want to consider always-connected PCs with integrated LTE or 5G to offer employees freedom from reliance on unstable and potentially unsecure home Wi-Fi networks to increase connectivity speed and security. Smarter devices, services and software that can self-diagnose and pre-empt security vulnerabilities are also emerging technology solutions that can help SMBs that lack a robust IT support team to better manage their remote workforce.

"In today's climate, businesses need reliable technology partners to boost digital transformation initiatives," said Eric Yu, SVP and GM of the SMB Segment, Intelligent Devices Group, Lenovo. "With the right partner, any size business can manage their hardware, software and services to maximize employee experience and enhance productivity and security."

2. Ensure employees have the necessary tools While many businesses played catch-up to ensure employees had the right tools to successfully work from

home, others still don't have the right infrastructure for remote staff - which will likely continue to be essential to businesses.

The study found that cloud collaboration and software tools for videocalls and simultaneous document collaboration are essential for 97% of employees. Almost two-thirds of survey respondents also said these tools improved their productivity and efficiency.

Now is a good time to assess what technological tools your employees need, so you'll be ready for whatever the future holds.

Having an efficient, safe, user-friendly eCommerce system is not only crucial when customers can't come inside your brick-and-mortar business, it's essential to provide more convenience and options for whatever customers are looking for. In both the retail and hospitality industries, consumer appetite for online ordering is here to stay. In fact, a recent study from Google showed that 61% of shoppers prefer an omnichannel experience that unifies the physical and digital shopping experience, with the ability to order online at their convenience and shop in-person when they need an item immediately.

3. Meet consumer demand for omnichannel ordering Since lockdowns began, eCommerce and online ordering has increased dramatically - for everything from sporting goods and retail apparel to housewares and takeout meals.

While some businesses - whether independent retailers or restaurants - have gone online for the first time, others worked to optimize their existing online ordering systems, taking into consideration order flow, packaging, delivery systems and end-user experience.

4. Diversify revenue streams and shore up supply chains In an unpredictable economy, it's important to make sure the entirety of your business is as resilient and flexible as possible. Many restaurants from the Lightspeed study added new merchandise, subscription boxes, to-go beverages gift cards, online classes and donation options to their online ordering menus, with great success. These are tactics that restaurants powered by Lightspeed in economies such as Australia and New Zealand maintained even after diners enthusiastically returned to indoor dining.

"Small and medium-sized businesses are the backbone of the global economy. Their ability to creatively navigate this past year demonstrates both their resilience and the crucial role they will play in reigniting communities through commerce as lockdowns are lifted," said Dax Dasilva, CEO of Lightspeed.

"Independent businesses who have moved to seamlessly unite their digital and physical operations are poised to thrive."

Through this disruptive period, retailers have had the opportunity to get more creative and innovative in terms of how they are reaching their customers. Adopting eCommerce and having an online presence is no longer a "nice to have," but a "must have" - and going forward, both retailers and restaurateurs will need to continue to perfect the omnichannel experience (unifying their physical and digital operations) by creating an integrated and cohesive customer experience, no matter how or where a customer reaches out.

Consumer behavior has quickly changed in surprising ways.

Data from a recent study by Lightspeed, a leading provider of cloud-based, omnichannel commerce platforms, shows how online ordering for restaurants in large suburbs grew by a whopping 3,868% between February and April 2020, as commuter patterns changed and restaurants identified opportunities outside urban centers.

5. Leverage social media to grow community Lightspeed believes that commerce ignites community and the company's recent study also found restaurants that were able to grow their revenue by more than 100% in 2020 maintained a robust social media presence and marketing strategy to connect with local neighborhood diners. These thriving restaurateurs found ways to give back, reward customer loyalty and partner with other local businesses to build a broader customer base. They identified ways to utilize local media for outreach and responded to every customer review to ensure their online reputation kept new guests coming in. These are key tactics for any entrepreneur.

For independent businesses, surviving - and thriving - despite daunting challenges requires agility, plus the know-how to leverage all available technology tools.

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Source: BPT

June 2021 | 5

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6 | June 2021

Essential Services for Growing Your Business in a Post-Pandemic World By d-mars.com News Provider

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fter a year unlike any other, it is time for businesses across the country to start thinking about building back. Despite the chaos and change small businesses have faced, new business filings in 2020 were 25% higher than in 2019. Strength, innovation and resilience are out there, and small businesses are finding new ways to remain profitable and serve their customers.

Investingininresources resourcesthat thatdrive successful Investing drive successful outcomes outcomes Growing any business, especially after this past year, will take research, planning and investment. But when you invest in the right resources and talent, you can focus on what's important to you and let other experts

BUSINESS

mobile-friendly. Having a mobile app allows your customers to engage with your business on the go, provide feedback in real time and promote your business in new ways. For example, restaurant owners are increasingly searching for freelance developers to build them "food delivery apps" as a way to avoid high fees from other delivery apps and increase profitability.

That said, many small business owners put off app development because they are not programmers and often don't want to learn how to make them.

take care of the rest. According to Fiverr's Small Business Needs Index, based on millions of searches, these are some of the services you should consider investing in to help your business grow in a post-pandemic world: 1) Optimizing your digital storefront Your website should clearly show who you are, why you're unique and what you have to offer. According to joint research from Fiverr and CensusWide, 33% of businesses are investing in website development due to the pandemic.

Because of this, your website needs to be clear and reliable, containing linear information that prioritizes your brand's image and value adds. It should also encourage customers to take some kind of action. For example, Rooted, a plant company, created a quiz for their customers.

Finding the right design, mapping and branding can be challenging. However, a freelancer who specializes in Shopify or WordPress Design can help you make a lasting impression on customers, increase traffic to your site and boost sales.

3) Generating income through crowdfunding Crowdfunding can be a helpful tool for new and existing small businesses. Crowdfunding allows entrepreneurs to generate cash for new business initiatives by delivering a compelling case for new products and services.

When deciding to crowdfund, it is important to create a strategy, choose a campaign platform and establish your funding goals. Tile, the Bluetooth finding tool, was started as a crowdfunding campaign.

Luckily, there are numerous freelance professionals who specialize in crowdfunding that can help with these tasks. From targeting the right donors to setting up a functional pay portal and helping you craft a strong funding proposal, they can worry about the details to help your business raise the funds it needs.

There’sno nobetter bettertime timetototake takethe theleap leap There's Whether you're looking to grow your business after a tough year or looking to start something new, there is no time like the present to take the leap.

With the help of freelance services to promote the growth of your business, you can let someone else handle the details so you can focus on what you do best.

Source: BPT

2) Developing an app that connects with customers It's also important to make sure your small business is BUSINESS

Comerica Bank Commits $5 Billion to Small Business Lending Over Next Three Years; Expands RISE! Initiative to Support Small Business Growth By d-mars.com News Provider

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omerica Bank recently announced it will commit $5 billion to small business lending over the next three years (2021-2023).

Additionally, Comerica will expand RISE!, a program designed to support small businesses with a multitude of resources, as well as financial assistance through community nonprofits, and provide specific opportunities for minorityand women-owned small businesses.

"Servicing the needs of small businesses has played an important role throughout Comerica's 171-year history," said Cassandra McKinney, Executive Vice President, Comerica's Retail Bank.

"Coming out of this pandemic, now more than ever, small businesses need our support. Comerica's lending commitment, resources and experienced staff devoted to meeting the needs of small businesses will ensure they maintain their important roles in our local communities."

Comerica offers an array of banking products and services, as well as lending solutions, for small businesses, enabling them to operate effectively and efficiently.

Small business customers can tailor their banking needs with various options that include business checking accounts, business savings accounts, fixed and flexible rate CDs, online services with Web and Mobile banking, business credit and business loans.

The importance of serving small business customers during the COVID-19 pandemic has been reflected in the bank's efforts in facilitating critical funding through the Paycheck Protection Program (PPP). Last year, Comerica processed nearly 20,000 loans totaling $3.9 billion in funding for the first round of PPP. And so far in 2021, Comerica has further assisted small businesses by funding nearly $1 billion in the second round. More than 1,000 Comerica colleagues have supported the program to ensure business customers can keep their businesses open and workforces intact.

Comerica has invested in local nonprofits to help its small businesses quickly recover. Most recently, Comerica Bank and the Comerica Charitable Foundation announced a $16 million commitment to support small businesses and communities, with $12 million directed to Community Development Financial Institutions (CDFIs) to meet the needs of small and micro businesses in low- to

moderate-income communities adversely impacted by the COVID-19 pandemic.

In 2020, Comerica directed $11 million toward small business relief and community service nonprofits and moved $10 million in deposits to Minority Depository Institutions (MDIs), as well as established mutual mentoring relationships w it h t he se institutions.

MDIs assist minority and u nderser ved communities and foster economic viability in their communities.

Specifically, Comerica allocated $2.5 million to each selected MDI, including First Independence Bank in Detroit, Mich.; Broadway Federal Bank in Los Angeles, Calif.; Unity National Bank in Houston, Texas; and Commercial Bank of California in Irvine, Calif.

Coupled with investments, Comerica colleagues will continue to provide their time and expertise through partnerships with local community-based organizations and nonprofits, including support of Comerica $ense programs,

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Small Business Bootcamps and National Business League's Black Capital Access Program.

Last year alone, Comerica held more than 110 Small Business Bootcamps across the country, assisting 1,250 small businesses and plans to further increase its outreach in 2021.

"Small businesses remain pillars of our local communities and Comerica is committed to helping them navigate through these difficult times," said Comerica Bank Chief Community Officer Irvin Ashford, Jr. "We continue to search for ways Comerica can serve as a resource and partner for small businesses, assisting them down the path to recovery."

Through RISE!, Comerica provides millions in financial resources to help local businesses and communities. Comerica is offering exclusive benefits with partners Office Depot and Software House International (SHI), providing added savings and discounted pricing on a wide selection of office equipment, supplies and services.

For more information on RISE!, visit www.comerica.com/letsrise.

Source: Comerica Bank

June 2021 | 7 BUSINESS

Mark A. Malveaux

Shares His Personal Journey to HBCU Giving

By Mark A. Malveaux

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iving is universal, possibly ingrained in our DNA as an essential trait to human survival. Familial bonds, teamwork and the tautological concept of “community” encompass offering oneself, through time, money, or property, to help people or causes, generally, for those in need. From billionaire philanthropists to people living check-to-check putting money in the red kettle for the Salvation Army, we, Americans, are the most generous people on the planet, with China being the least generous, according to the 2019 World Giving Index.

Like a fingerprint, each journey to giving is a singular tale. My journey to giving to my historically black college and university (HBCU), Southern University, was a long, winding road. I was in high school and wanted to attend a debate camp far away from home. My parents, only one of which obtained a high school degree and like many parents, had little to no understanding what “debate” really meant. My parents, their parents and siblings had moved from some of the most rural, impoverished areas of south Louisiana to the big city of Lafayette, Louisiana.

They were all sharecroppers with no material wealth and went to one-room, segregated schools. For some, French was their primary language. Like my mother, her siblings worked the fields to provide a sustainable life. Picking cotton is not easy. Picking cotton and other crops as a black sharecropper in south Louisiana: perilous.

As teenagers sometimes do, I did not think about the cost of the camp. In fact, my life was one where my siblings and I never went without. My father, an Army veteran, got a good paying union job at a delivery company and had income producing side businesses. My mother, like many of her sisters, began doing domestic work for wealthy families. This time, however, I learned that cost was a factor. My family simply could not afford for me to attend.

On a particularly balmy Saturday near the bayous, I remember seeing my aunts bringing food to cook. Before I knew it, our modest home looked like a cafeteria. Of course, this cafeteria had some of the finest creole cuisine in the world—fried sac au lait, oyster and shrimp cornbread dressing, shrimp etouffee, etc. People from the neighborhood and beyond bought plates of food. Those women, my aunts, and neighbors, had given of their time, money, and food to raise funds for me to attend debate camp. I went to that camp – my first time on a train -- won my division and went on to obtain a law degree from a top law school. I never forgot about these amazing women who gave for my betterment.

I did not choose to attend Southern University; rather, like inertia, something was set in motion and it simply kept moving. Southern University, the only university system among HBCUs, has three campuses with a student population of approximately 15,000, the largest student population of any HBCU. The school was started in New Orleans in 1880 because of post-Civil War Reconstruction and Radical Republicans. Reconstruction and the federal government’s efforts to ameliorate the lives of and protect the newly freed slaves formally ended in 1877. During this brief period from 1865 to 1877, black people were able to vote and vote they did. Louisiana had the first black governor in US history, P.B.S. Pinchback. Pinchback would later be instrumental in sponsoring one of the most important and infamous civil rights cases in history: Plessy v. Ferguson, which enshrined Jim Crow “separate, but equal” and for which the near unanimous Court stated that the Fourteenth Amendment “could not have been intended to abolish distinctions based on color, or

to enforce social, as distinguished from political equality, or a comingling of the two races upon terms unsatisfactory to either.”

During that oasis in time, former Governor Pinchback and other black leaders petitioned the State to establish an institution of higher learning for “colored people.” Of course, white institutions, particularly state institutions of higher learning, shut their doors to blacks in the South.

With 12 students and $10,000, according to its published history, the course of history for millions black people changed for the better. Black people, with allies of all races, wedged an opening for uplift and have never looked back despite the absurdity of a society that sanctioned deliberate terror and sabotage. This was the milieu from which my ancestors survived and thrived.

Almost all my black teachers were graduates of Southern University or Grambling State University. Every black professional from the doctor to the dentist to the teacher to the university professor, were graduates of Southern or other HBCUs. I later came to realize that these avenues of black uplift and actualization were suffocatingly limited.

You could either teach or preach or, to a lesser extent, become a lawyer or doctor. Working for city government or private companies was effectively impossible outside of menial labor. Raising capital or obtaining a loan to start a business was unheard of.

Because Southern was so entrenched in my life, attending it, to a certain and frustrating degree, became a fait accompli. I was recruited by predominantly white institutions of national prominence. Yet, I could not attend those schools because of the financial burden on my family. And I thank god for that burden, because going to Southern was one of the best things that ever happened to me.

Southern, like many HBCUs, takes many young kids who, for many reasons, are not exactly prepared to start college. Academically, many never received an adequate education. Such students are indistinguishable from the highly prepared students on campus. Yet Southern and many, if not most, HBCUs take these “diamonds in the rough” and turn them into computer scientists, engineers, accountants, and doctors. Every day, I see HBCU graduates, some of whom come from unimaginable poverty, move to the middle and upper middle class. Studies repeatedly show HBCUs are the engines to black upward mobility and integration into society. Sociologists would lament that black people are the canaries in the coal mine for societal woes. However, HBCUs are the oxygen for people who have been submerged underwater. They bring life to the country.

Nearly all my cousins who were attending Southern were engineering majors.

My paternal aunt was a mathematics professor there and a paternal uncle graduated from another school in chemical engineering.

Southern is one of the top producers of black engineers and feeders for black people receiving doctorates. Having tested out of introductory science classes, I decided to study engineering. That lasted two weeks! Taking a drafting class made it very clear to me engineering was not my path.

Instead, I studied economics. All my professors had doctorates in the subject. Most of my professors were black, American-born economists. Although, there were also professors from Nigeria and professors of south Asian descent. The talent was high, and they nurtured and pushed me in ways I am certain I would not see at other institutions. And like most HBCUs, they taught under less-than-ideal conditions: low pay, heavy teaching loads, sub-optimal infrastructure, and limited opportunities to conduct research. Many in the Black Community call what these professors sacrificed as tithing. They gave their time, energy, knowledge, and money to the uplift of those black kids who made the little-known second “Great Migration” from the cotton fields to education.

I won awards, some national, graduated, matriculated to the University of Virginia School of Law, and practiced at an international law firm. I moved to another firm where I have led public infrastructure transactions worth tens of billions of dollars over a nearly 30-year career. Along the way, I became a modestly successful investor in startups.

I never forgot those aunts, however. Their dignity and their example of giving are indelible. I never forgot the late Dr. Fred Temple who was my most impactful economics professor at Southern University.

I pursued success, including financial success. By most accounts, my mission was accomplished, yet there is not a great deal of incentive to stop or, at least, detour from the somewhat solitary pursuit of individual success. I decided to no longer be one dimensional. Those aunts gave of themselves when they had so little to give; far be it from me to not balance my financial and professional goals with giving.

My wife, also an alum and who graduated in computer science, and I gifted Southern University with $1,000,000, which is one of the largest gifts from an alum in the school’s history. The money will provide scholarships to talented students and improve programming in the College of Business. To my surprise, the University will name its MBA program in our honor. Behind that honor will be the strongest, hopeful, and hardest working people I know.

My personal journey is, in fact, not personal at all. It is notably an accumulation of the investments made by others and this country, combined with opportunity and work.

I hope to give more as there is no comparable feeling.

More importantly, I hope other HBCU graduates give back. I hope the most fortunate in our country, like McKenzie Scott has already done, direct some of their fortunes to HBCUs. I hope corporations use their altruism and self-interest in the same vein. What is good for HBCUs is good for America.

For me, it was a most satisfying journey.

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8 | June 2021 COMMUNITY

Radio One Brings Praise Back to Houston

BUSINESS

By d-mars.com News Provider

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“OPEN” Signs Take on New Meaning

Photo Credit/Source: (c) Gabriela Alemán

for Small Business Owners By d-mars.com News Provider

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ore than a year into the pandemic, the “open” sign in countless online and retail storefronts has evolved into a universal symbol of the grit of small businesses. Tenacious entrepreneurs nationwide made a way to stay open in spite of all the obstacles.

As part of an effort to amplify these inspiring stories, Wells Fargo has commissioned three artists to design custom “open” signs for businesses that persevered and is also pointing entrepreneurs to resources that can help.

Dedicated to showcasing women and diverse voices, illustrator and graphic designer Sophia Yeshi, is paired with Roxtography, a woman-owned business based near the Colville Reservation, outside of Seattle. Owner Roxanne Best shifted from in-person yoga and photography classes to outdoor stand-up paddleboarding classes and photography that embodies her love of nature.

Precision Productions, a new rental music studio, was just about to open its doors when the pandemic hit. Optimistic owner Kasey Phillips, who hails from Trinidad and Tobago, pivoted to a hybrid in-person and virtual studio model, never wavering from his plan to expand the music scene and own his first studio. Taking cues from music while paying homage to Phillips’s Caribbean roots, Korean-born illustrator Deborah Lee, known for her use of bold, vivid colors, is interpreting how Precision Productions made a way to stay open.

“As an artist, it was rewarding to support not just a small business that stayed open in tough economic conditions, but one that’s a platform for creativity,” says Lee. Writer, illustrator, visual artist and community organizer Gabriela Alemán has a passion for helping combat food insecurity. With her comics and pop art aesthetic,

she’s working to bring the mission of PREP Atlanta to life, which focuses on offering diverse food truck owners and caterers access to a commercial kitchen.

During the pandemic, PREP Atlanta was a venue for keeping the city’s restaurant and food industry afloat, including for many Black-owned businesses. Aleman will combine her art with a shared dedication to feeding the community as she depicts PREP Atlanta’s grit.

This project comes on the heels of the July 2020 announcement of the Wells Fargo Open for Business Fund, a roughly $420 million small business recovery effort providing grants to nonprofits that serve small business owners. The fund was created by donating all gross processing fees from Paycheck Protection Program (PPP) loans made in 2020. The company has also committed not to take a profit from the second round of PPP. Overall, the Open for Business Fund is expected to translate into roughly $1 billion in available financing and 7.5 million hours of technical assistance for small business owners, helping them close the gap on rent, utilities and employee pay, while accessing expertise to adapt for the future.

To learn more about available support or to download an artistic “Open” sign, entrepreneurs can visit wellsfargo.com/together.

“Today ‘open’ signs represent much more than they used to, embodying the ingenuity required to pivot in this ever-evolving economy,” says Jenny Flores, head of Small Business Growth Philanthropy at Wells Fargo.

“We are inspired every day by small business owners pushing through these tough times, particularly those who have been hard hit. This effort aims to shine a light on stories of resilience so entrepreneurs can learn from each other and seek the resources needed to keep their dreams alive.”

Source: StatePoint

adio One Houston is pleased to announce the re-launch of Houston’s Inspiration Station, KROI Praise 92.1 / KMJQ Praise 102.1 HD2. In the late 2000’s and early 2010’s Praise inspired Houstonians through difficult times on the 92.1 radio frequency. Houston’s Inspiration Station is now back on the 92.1 dial with a new and improved signal offering full market coverage in HD broadcasting at 40,000 watts and simulcasting on Praise 102.1 HD2. With inspirational songs and motivational content, Praise is providing a new all-star lineup of gospel greats to Houston.

Houston can now GET UP and enjoy mornings with Erica Campbell, award-winning gospel music singer and reality TV star. Erica Campbell creates a high-energy experience for listeners to start every day in FAITH, with LOVE and having JOY. Get Up! Mornings with Erica Campbell can be heard from 5AM-9AM weekdays.

Keep the faith while working from home with TJ Jackson, an award winning manager, on-air personality, talk show host, public speaker, voice over artist, and community leader. Whether she’s hosting a talk show or music program, voicing commercials, planning or hosting events, TJ gets up in the morning to make life better for someone else.

Listen to TJ in the mid-day from 9AM – 2PM weekdays.

"It’s a privilege to re-launch such an uplifting and positive station, especially during these times of uncertainty where people are looking for outlets of love and hope to keep them inspired,” says Radio One Houston's vice president and general manager, Pam McKay. Pump up your afternoon with The Willie Moore Jr. Show.

As a world renowned influencer, Willie is a licensed minister and comedic speaker where many call him “Young America’s Pastor.” Gifted to tell stories, jokes, and share bible-based principles he’s irrationally passionate to #KeepIt100 and tell the #Flat-out truth. Tune into The Willie Moore Jr. Show 2PM-6PM weekdays.

Terri Thomas, operations manager of Radio One Houston says, “It’s in times like these where people want to escape from today’s challenging realities and listen to music that inspires and makes them feel good.”

Enjoy your evenings with Darlene McCoy. The song “I’m Every Woman” would be the ideal preamble! She bears a plethora of titles in an attempt to define her: mother, national recording artist, radio personality, actress, author, songwriter, mentor, entrepreneur, comedian, and speaker. It is evident that we have not witnessed all that God has placed behind this bright, shining star of a woman. Darlene McCoy can be heard 6PM-10PM weekdays.

The Praise continues every weekend on Saturday with the Spirit Top 15 countdown and shows featuring recording artist Ronnette Rollins, actress Veda Howard, award winners D. Stone and Willie Moore Jr. Plus a Sunday lineup featuring motivational speaker Krystal Lee, evangelist Cheryl Jackson, and singer/songwriter Jermaine Dolly.

Praise 92.1/102.1 HD2 is available streaming online at praisehouston.com and you can praise anywhere by downloading the Praise app from your mobile app store.

For inspiring content and good news, follow Praise on all major social media platforms @praisehouston. Business owners, ministries, and local advertisers interested in marketing packages can submit your request to Radio One Houston director of sales, Wayne Jones at waynejones@ radio-one.com.

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Source: Radio One, An Urban One Company

June 2021 | 9

Experience Our World of Advertising, Marketing, Media and Communication

PREPARING THE N of Industrial Welding Academy L

10 | June 2021

By d-mars.com News Provider

A

ny company that has two or more family members in leadership roles, and in which the family retains a majority of the ownership or control of the business, is classed as a family business. Family businesses are fundamental, driving local, national, and global economies.

Below are some of the key statistics regarding family-owned businesses and their place in the US economy.

• 60% of the US workforce is employed by a family-owned business.

• Family-owned businesses are responsible for creating 78% of all new jobs in the US. • Family businesses are contributing more than half (57%) of the total US GDP. • Just under 20% (19.3%) of US firms are family-owned.

• Of the family firms that reported an annual growth rate of more than 10% in the year 2018, more than 80% also reported having a clear sense of purpose and agreed on values within their business.

• Almost three-quarters (74%) of family businesses report a strong sense of culture and values.

Source: startupsanonymous.com

Family-owned businesses are the backbone of the American economy. The greatest part of America’s wealth lies with family-owned businesses. According to the US Census Bureau, family firms comprise 90 percent of all business enterprises in North America.

According to Family Enterprise USA, over 90 percent of family businesses feel that what sets them apart from non-family firms is a long-term investment philosophy, commitment to employees and suppliers, and contributions to their communities.

Many family firms boast distinct, competitive values that result in more than just gains. What truly drives many family businesses is the sense of connection and identity the owners and their family members feel with the business. A stellar example of a long-standing, strong, family-owned enterprise is the Industrial Welding Academy (IWA), a respected establishment that continues to meet the industry’s demand for welders, providing higher education in welding.

Since 2007, Andre Horn, founder and CEO and Miranda Horn, vice president, have been dedicated to teaching students the in-demand trade of welding built on their motto of “Integrity With Attitude.”

Before founding IWA, Andre worked for several major industrial companies, and as a Certified Welding Educator (CWE), he has more than 30 years of

training experience in the welding industry. Miranda possesses more than 2 decades of workforce development and management experience, being a valuable element to IWA’s foundation.

Family businesses leaders focus on the next generation, not the next quarter. And the Horns leading this family-owned business prepares not only students, but also the next generation of IWA leadership with their children, Desiree and Dalton Horn showing passion and gaining first-hand experience to be successful in continuing the IWA legacy. “I am more than honored to continue the legacy my parents have created from the ground up. For them to even consider passing the torch to me really means a lot. I get the privilege to keep this legacy alive and impact the community the same way my parents did,” said Desiree. “IWA is the perfect place to come for those needing a second chance. Regardless of your background, welder qualifications are based on hands-on training and work ethic. Here at IWA, we focus on book knowledge and hands-on training that you will need in the field,” expressed Dalton.

Though you may not realize it, welding shapes our communities and everyday lives. And IWA is proud to be instrumental in shaping the lives of the next generation working in this career. From construction to manufacturing, the demand for welders remains strong. Salaries are also good, given that many jobs in this arena don’t require an extensive education, with some making a six-figure income. IWA is not just about preparing students for a job, but a career and fulfilling life, conveying the great value of integrity and discipline upon its students.

The nation’s aging infrastructure requires the expertise of welders, cutters, solderers, and brazers to help rebuild bridges, highways, and structures.

According to the U.S. Bureau of Labor Statistics, employment of welders, cutters, solderers, and brazers is projected to grow 3% from 2019 to 2029, about as fast as the average for all occupations. Recent statistics from Data USA show the number of people employed as welding, soldering, and brazing workers has been growing at a rate of 4.98%, from 580,520 people in 2018 to 609,457 people in 2019. Zippia’s current findings in regards to the welding profession found that the most popular places for welders are in Texas (Houston areas) and Oklahoma (Tulsa areas).

Under the direction of the Horns, Desiree, Dalton, the staff, and instructors are all strategic when it comes to the day-to-day operations and curriculum so the student body feels more like part of a family, beyond the traditional teacher-student setting. This learning environment is distinct and effectual, perpetually producing graduates who are the future generation of leaders in the welding profession and in their communities. “IWA changes the lives of our students by teaching them the valuable skill of welding. And we don’t take it for granted that we are in a city with one of the highest levels of employment in the welding field in the country. Yes, our students have the advantage in that instance, but we understand that the highest level of training needs to be available in order for them to secure gainful employment. IWA is

“Miranda and I are proud of the are training our children, Desiree the foundation that we have lai what it takes to run a successful scho ty to lead IWA is what will sustain the IWA staff and instructors are dedicated ability to earn a meaningful income is b cation to learn marketable skills.

This is based on our ‘Integrity With Attitude’ motto. IWA stands on that now, and with our children one day taking over the reins, I have no doubt this academy will continue to stand on that for years to come.”

—Andre Horn, founder & CEO and Miranda Horn vice president, the Industrial Welding Academy

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NEXT GENERATION Leadership and Industry Leaders

achievements of IWA, but we e and Dalton, to build upon id. Learning the business and ool, also earning the opportuniIWA legacy. Our family and the d to the philosophy that one’s based on their dedi-

June 2021 | 11

about opening doors for young welders to be the best through our quality welding training environment.

When our students gain the confidence career-wise, that also extends into their personal life, building self-esteem. And that is one of the best things to witness.” Andre said.

The academy’s achievements would not be possible without the IWA educators and support staff. “You can give students requirements, but do they have the tools to meet those demands? I am thankful that IWA’s instructors are providing those necessary tools for our students to succeed in their education and in the real world after they graduate from IWA,” Miranda said. IWA CWEs are credentialed by the American Welding Society (AWS), the multifaceted nonprofit organization advancing the science, technology, and application of welding and related disciplines all across the country. Working with welders of all levels and companies of all sizes, IWA’s certified welding instructors have more than 50 years of experience in the welding industry.

Ever growing, with a location in Houston and expanding in 2018, with a school now in Beaumont, both state-of-the-art welding schools accommodate an industry-leading student-teacher ratio of 15:01. Training spaces are designed to resemble the job settings in realistic welding conditions and environments. Students are each assigned a welding machine and welding booth during the course. IWA providing individual booths for students allows them to strengthen their skills received individually as well as collectively. IWA remains committed to providing the superior training and education that is in line with current welding industry needs.

IWA proves to be a worthy driving force in educating our next generation of welders, recently holding their Annual Student Welder Certification Day, hosting aspiring welders from Houston and the surrounding areas to test for certifications at their Houston location. “This annual event was especially important, being that we all have had to overcome challenges brought about by COVID-19. Our students, instructors, and staff had to adapt as well, and we understand that. But we are still here and applaud everyone for pushing through to not only continue to keep IWA a success, but to shine the light on our students who worked so hard and deserved this day. This annual day would not have been possible without AWS, our sponsors, proctors, community partners, instructors, staff, and the high school instructors who brought their students

to participate,” expressed Miranda.

“IWA as a family-owned business has been invaluable to elevate my leadership skills. I would not have received this type of hands-on training anywhere else. My mom and dad definitely expect the best from my sister and I, so they continue to raise the bar, teaching us every facet of the business, also nurturing our management and business skills,” Dalton said. Desiree added, “There are not many women in this industry, so my mom is an exceptional example of making your mark as a woman in this male-dominated field, owning your position so it makes a great difference for those who come after you. My brother and I have a strong sense of the IWA values, understanding that it is about more than profits, but a place of purpose to serve the students who desire and deserve a second chance.”

“It’s not about us being bosses, but leaders of IWA. This school is an educational necessity providing students a great opportunity to succeed. It’s been an extraordinary experience for us to watch our parents build IWA into something great, with continuous expansion. And as we continue to broaden our knowledge, our parents trust that we will lead with integrity.”

—Desiree and Dalton Horn, the Industrial Welding Academy

Andre and Miranda embracing strategies that put the students first, also emphasizing social responsibility, is a legacy they proudly pass on to Desiree and Dalton. The Horns have built IWA into more than just an academy, but a family-run operation preparing students to be productive assets in the industry and in their communities. It’s a great legacy that will remain standing for years to come, remaining the bridge connecting those needing a second chance to a successful career in this industry.

Desiring to meet the steady demand for welders, IWA has future plans to open additional facilities throughout the city and state. For more information about IWA, please visit www.iwatraining.com or email mybestwelding@iwatraining.com.

Sources: • Startupsanonymous.com • Familybusinesscenter.com • Family Enterprise USA • U.S. Bureau of Labor Statistics • Data USA • Zippia • US Census Bureau Family Owned Businesses Retrieved January 2019: (https://www.inc. com/encyclopedia/family-owned-businesses.html).

Fallon, N. Focus on Family Is Key to Long-Term Family Business Success. 2014. Business News Daily. Retrieved June 2014: (http://www businessnewsdaily.com/6567-managing-family-business.html).

Fernandez-Araoz, Iqbal, Ritter. Leadership Lessons from Great Family Businesses. Retrieved May 2015: (https://hbr.org/2015/04/ leadership-lessons-from-great-family-businesses).

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12 | June 2021 EDUCATION & CAREER

COMMUNITY

Help Your Struggling Student Make Math a Part of Everyday Life By d-mars.com News Provider

W

hat do budgeting monthly expenses, being a sports fan and following a recipe have in common? All these activities employ math.

Unfortunately, it is common for students to struggle with math classes because they don’t see how the subject will matter in their everyday lives.

Parents can help motivate students by drawing the connections between math and daily life. They can also help ensure children make the grade by equipping them with the tools they need to handle their coursework.

Black, Latino and Female Officers Use Less Force Than Whites

By Stacy M. Brown NNPA Newswire Senior

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frican American police officers made more than 15 fewer stops, about two fewer arrests on average than their White counterparts, ScienceNews.org found in a new study (https://www. sciencenews.org/article/black-hispanic-female-policeuse-force-less-than-white-male-officers).

The study revealed that throughout 100 shifts, African American officers used force 0.1 fewer times.

The numbers correspond to a 29 percent reduction in stops, 21 percent reduction in arrests, and 32 percent reduction in force among Black officers than the average enforcement rates among their White peers.

“I was a skeptic about demographic reform previously, and now I am a convert.… Demographics reform in policing actually has the potential to dramatically change behavior,” says Phillip Goff, a behavioral scientist at Yale University who wrote a commentary on the study (https://science.sciencemag.org/content/371/6530/677) published in the same issue.

The study arrives as police traffic stops, and shootings continue to grab headlines.

It also comes less than a week after a jury convicted former Minneapolis Police Officer Derek Chauvin of three counts of murder in the death of George Floyd.

“George Floyd was approached by the police for the allegation of a $20 alleged fraudulent counterfeit bill, which is a misdemeanor,” Civil Rights Attorney Ben Crump, who represents the Floyd family, remarked in a statement.

“They could have given him a ticket. But when it is marginalized minorities, especially Black people, the police have the tendency to always do the most and engage in the most excessive use of force. And so George Floyd literally was tortured to death for 9 minutes and 29 seconds for what would have amounted to a minor misdemeanor,” Crump concluded.

The ScienceNews.org report concluded that Black and Hispanic officers tend to stop, arrest, and use force against civilians less often than White officers.

According to a Chicago Police Department study (https://home.chicagopolice.org/wp-content/

uploads/2021/02/CPD-Reform-Status-Reportcompressed.pdf), female officers of all races use less force than their male colleagues.

Further, Bocar Ba, an economist at the University of California, Irvine, told ScienceNews.org that diversifying law enforcement is one of the oldest, most frequently proposed police reforms.

“Over three years, Ba and colleagues peppered various city and state agencies with open-records requests and appeals to collect data on officers in the Chicago Police Department,” the outlet reported.

Those data included officers’ race, gender, and daily patrol assignments, as well as timestamped and location-tagged records of when those officers stopped, arrested, or used force on civilians, they reported.

In total, the researchers examined 2.9 million officer shifts and 1.6 million enforcement activities performed by nearly 7,000 officers from 2012 to 2015.

The team looked at how officers of different backgrounds behaved while patrolling the same neighborhood at the same time of day, day of the week, month, and year.

This study is “one of the most comprehensive and sophisticated” examinations of how officer demographics affect policing to date, Robin Engel, a criminal justice researcher at the University of Cincinnati who was not involved in the work, told ScienceNews.org.

“We now have rigorous, robust evidence that suggests there are differences in behavior across racial and gender groups within our police departments, and that’s important for a whole host of things. It’s important for recruitment, and it’s also important for our training of officers.”

The trends “uncovered in this case study do provide compelling evidence that diversifying police departments is an important part of any comprehensive effort at police reform,” stated David Sklansky, a law professor at Stanford University who was not involved in the work.

“It’s not just that Black and Hispanic officers conduct fewer stops – it’s that they conduct fewer stops of Black suspects in situations not involving serious crime,” Sklansky explained.

“That’s clearly an improvement.”

EverydayConnections Connections Everyday The more connections you can make between math and daily life, the better. Here are a few ideas to get you started: • When cooking or baking together, have your child help you double the recipe or convert the measurements from metric to standard.

• The next time you’re paying a bill, ask your child to calculate the tip.

• Personal finance is perhaps one of the most important and practical math lessons you can teach a young person.

Demonstrate creating and managing a budget, explaining concepts such as savings and interest as you go.

• On your next road trip, have your child calculate your estimated time of arrival based on your average speed, as well as the estimated fuel costs for the trip.

• Take a run around the neighborhood as a family.

Afterward, have everyone calculate their heart rates.

Check your pulse and measure the number of beats in 15 seconds. Then multiply that number by four.

GettingEquipped Equipped Getting Ensure kids are equipped to succeed in math classes.

For students learning the fundamentals, a basic calculator has all the functions they’ll need. When it comes to more advanced math, such as algebra or statistics, graduate your child to a scientific calculator. Those from Casio can handle decimal, trigonometry, exponential, and statistical functions in addition to hundreds of other math functions. They also offer several models of graphing calculators, all of which feature a natural textbook display to help students more easily visualize mathematical concepts. New models also feature builtin Python programming functionality. To access free math resources and tutorials, visit casioeducation.com.

When it comes to math, parents can help make the subject more fun, interesting and approachable by equipping kids with the right tools, and helping them embrace a positive mindset.

Source: NNPA

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Source: StatePoint

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June 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

June 2021

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Inspire, Inform & Educate

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17th Edition

Family of Black Doctors Has Social Media Buzzing INSIDE

15

How to Combat Allergies and Support Health All Year

16

How Disability Insurance Can Help You Protect What Matters Most Experience Our World of Advertising, Marketing, Media and Communication

18

14

Are You at Higher Risk for Having a Life-Changing Stroke?

14 | June 2021 HEALTH

Family of Black Doctors Has Social Media Buzzing

By Stacy M. Brown NNPA Newswire Senior

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r. Herbert Oye is a Board Certified Endovascular and Vascular Surgeon, specializing in invasive and non-invasive treatment of vascular diseases.

Dr. Oye received his medical degree at the University of North Texas Health Science Center, according to his official biography.

His General Surgery residency was performed at Wyckoff Heights Medical Center in Brooklyn, NY, an affiliate of Albert Einstein Medical Center.

“Our dad, Dr. Herbert Oye, is a Nigerian immigrant. Upon moving to the United States, he attended medical school and has worked tirelessly to build his own Vascular Surgery practice,” the young physicians wrote in a statement on Facebook.

Dr. Oye completed his fellowship training in advanced vascular and endovascular surgery at the Arizona Heart Institute in

Photo Caption: Dr. Herbert Oye (center) and his children, who are also all doctors.

Phoenix, Arizona.

Perhaps most impressive is that each of Dr. Oye’s four children followed in their father’s footsteps.

David, Monique, Michelle, and Melissa Oye, each said they were inspired by their father and all have become doctors.

“Our dad, Dr. Herbert Oye, is a Nigerian immigrant. Upon moving to the United States, he attended medical school and has worked tirelessly to build his own Vascular Surgery practice,” the young physicians wrote in a statement on Facebook.

“Dad has since opened a hospital back in Nigeria and splits his time between the United States and Nigeria. We are all currently in the medical field as a second-, third- and fourth-year medical student and a first year Internal Medicine Resident.”

Each are attending or have attended the West Virginia School of Medicine.

Monique, the eldest of the family, graduated in 2018. Michelle is in her fourth year, while Melissa is in her third year.

David, the only son of Dr. Oye, is in his second year.

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Their success has social media buzzing.

“Sending congratulations to your amazing family of wonderful world citizens,” Kathryn Stollmeyer Wright, wrote on Facebook.

Another Facebook user, Patricia C omb s , w r ot e : “ We l l done .

Congratulations for excellence in your drive, motivation, and ability to accomplish such a great and momentous feat.

You all are wonderful and blessed,” Combs stated.

Source: NNPA

June 2021 | 15 HEALTH Specializes in cosmetic dentistry with porcelain veneers, whitening and coming soon Botox and lip llers. www.sdshouston.com

Dr. Mikenah Joyy and Dr. Simone Ellis

How to Combat Allergies and Support Health All Year By d-mars.com News Provider

Smile Design Studios, Family and Cosmetic Dentistry 9303 Hwy 6, Suite 300 Missouri City TX 77459

281-969-7388

U

sed as a remedy for centuries, propolis is a bee product increasingly turning heads in the scientific community. Here’s what the research says about how propolis can potentially support health during the warm weather months, as well as year-round:

TheResearch Research The • An April 2021 case report published in Acta Medica Mediterranea about a patient at the Ahi Evran University Hospital, showed the potential of Anatolian propolis to be used as an adjuvant therapeutic agent in COVID-19infections.

• Other research conducted in 2021 at Black Sea Technical University concluded that Anatolian propolis has the potential to prevent the entry of the virus causing COVID-19 into the host. Additionally, a 2020 review article published by Melbourne University scientists concluded that PAK1-blockers like propolis could serve as potential therapeutic agents against COVID-19.

• Authors of a Hodeidah University study suggest that propolis is an effective antimicrobial agent to support the treatment of throat infections caused by bacterial and candidal species in children.

YourHealth Health Your “As the seasons change, it’s common to suffer from cold, flu and allergies. The strength of your immune system determines how fast you can recover and kick symptoms like cough, sore throat, itchy throat, and runny nose to the curb,” says Dr. Aslı Samancı, a food scientist and the founder of BEE&YOU, who developed an award-winning extraction technology for propolis to cure her son’s autoimmune illness.

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According to Samancı, here are a few ways to incorporate propolis into your wellness routine: • Take it as an extract: For a natural immunity booster, try taking BEE&YOU Water Soluble Propolis 15% Extract. Its CAPE content, the main antioxidant that gives propolis its incredible benefits, is significantly higher than alternatives. With three times more antioxidant and antibacterial activity than the highest-grade Manuka honey, as well as antiviral properties, it’s a great way to support your immunity and fight against cold and flu. Usage is as easy as adding 20 drops per day to your favorite cold drink.

• Soothe with sprays: Soothe and protect your throat with the antiviral and antibacterial activity of BEE&YOU Propolis Raw Honey Throat Spray.

With its strong formula, it soothes sore throat, supports the treatment of respiratory infections and relieves allergy symptoms, while offering immunity support. Just spray twice directly into your throat a few times a day. In addition, BEE&YOU Nasal Spray helps to cleanse congested airways, relieve sinuses and alleviate allergy symptoms.

• Take a tablet: Add BEE&YOU Royal Jelly Bee Pollen Propolis Tablets to your daily routine for a range of health benefits, such as supporting anti-aging and skin health, improving cognitive functions, and strengthening the immune system.

100% natural BEE&YOU superfoods are traditionally-sourced, organic and fair trade. To learn more, visit beeandyou.com and receive a 25% discount using the code: SPRING25.

This allergy season and beyond, consider using propolis to naturally manage symptoms and to support your immune health and overall wellness.

Source: StatePoint

16 | June 2021 HEALTH

How Disability

Insurance Can Help You Protect What Matters Most By d-mars.com News Provider

A

s we begin to transition out of the pandemic, it's important to consider steps that can help provide you and your loved ones a more stable financial future. Just consider that 41% of U.S. employees are living paycheck to paycheck right now, and the same number of employees don't feel in control of their finances, according to MetLife's 2021 U.S. Employee Benefit Trends Study.

To change course, employees should consider reviewing the benefits their employers offer, including disability insurance, which offers a vital source of income protection that may help cover essential living costs such as food, clothing and mortgage payments in the event you are unable to work due to a qualifying physical or mental health condition. In fact, MetLife's study shows that employees with disability insurance feel more confident in protecting what matters most to them in the event of unexpected expenses than those without disability (66% with versus 59% without disability insurance).

Financialprotection protectionfor forthose thosecaring caringfor forloved lovedones ones Financial While almost everyone has been impacted by the financial stressors of the pandemic, caregivers may feel an increased burden. Caring for family members can be overwhelming - leaving many unsure about their short-term and long-term financial goals. In fact, MetLife's study finds that 4 in 10 caregivers don't have a savings cushion of at least three months.

These financial concerns are also just as real for pet parents. Expenses related to pets can become a burden should a pet parent suddenly become unable to work.

To avoid having to dip into long-term savings to pay for short-term expenses, pet parents should consider having disability insurance to ensure their pets' needs can be met in the event of something unforeseen.

What's more, disability insurance may also help provide security for those struggling with serious medical conditions, like cancer, stroke or heart attack, especially when paired with supplemental benefits like critical illness insurance.

Critical illness insurance may help cover expenses not covered by health insurance, like plan deductibles, copays and costs for out-of-network care.

Supportextends extendsbeyond beyondfinancial financialhealth health Support After a year of lockdowns and uncertainty, you may, like many others, feel more stressed and anxious about your financial future than ever before. This stress and anxiety can often build - reducing mental wellness and even hindering your ability to care for yourself and your loved ones.

However, taking hold of your financial health may help alleviate some of these anxieties - ensuring that you and your family are able to focus on healing, not your finances.

Caregivers, for example, who have a savings cushion of at least 3 months are 47% more likely to say they feel mentally healthy than those who do not.

By having disability insurance and other supportive benefits as part of your financial wellness arsenal, you can feel some additional security in the event you are unexpectedly unable to work. Taking action to improve financial security can have a positive impact on reducing stress and anxiety, allowing you to provide you and your loved ones more secure care now and in the future.

To learn more about disability insurance and how it can support your financial and mental health, talk to your HR department or visit MetLife.com/insurance/ disability-insurance.

Source: BPT

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June 2021 | 17

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18 | June 2021 HEALTH

Are You at Higher Risk for Having a Life-Changing Stroke?

By d-mars.com News Provider

L

ead scorer of the University of Pittsburgh women’s basketball team, Latia Howard was being recruited by the WNBA and at the top of her game. But that all changed after she suffered a stroke at just 21 years old.

Early one morning, Howard began experiencing weakness in her arm and leg. While she decided to skip practice that day, she didn’t think too much of it. When her roommate told her trainer why Howard wasn’t at practice and what she was experiencing, he called her and noticed she didn’t sound right on the phone. He went straight to her apartment, and after realizing something was very wrong, he immediately called 911 and she was rushed to the emergency room.

According to the American Stroke Association, African Americans have a higher prevalence of stroke and the highest death rate from stroke than any other racial group. Among stroke survivors, African Americans are more likely to be disabled and have difficulties doing daily activities.

A star athlete before her life-changing stroke, not only was Howard unable to play basketball afterward, she had to relearn how to walk and talk and went through extensive physical therapy, falling into a depression.

The stroke forced Howard to re-imagine her goal of being a professional basketball player. She shifted her dream of playing in the WNBA to coaching young,

up-and-coming basketball players.

“I am grateful I am here and can share my story,” says Howard, who, now 43, is an educator and basketball coach. “I encourage my team to always give 100% because at one time in my life, I couldn’t give anything.”

A testament to the fact that stroke can happen to anyone, of any age, at any time, Howard encourages everyone to know their body, so they can recognize when something feels different or wrong.

“When it comes to a stroke, every moment counts,” she says. “A person could lose everything to stroke, so it’s important to call 911 the moment something seems off.”

The Centers for Disease Control and Prevention (CDC) reports that almost half of African Americans have at least one risk factor for stroke, including manageable conditions like high blood pressure and diabetes, as well as genetic conditions like sickle cell disease. That is why it’s important for everyone to be aware of their risk factors and learn the signs to watch.

According to experts, immediate medical attention is vital when it comes to stroke and relies on everyone learning and being able to recognize the BE FAST signs and symptoms of a stroke in themselves and others and calling 911 immediately. BE FAST stands for Balance, Eyes, Face, Arm, Speech, Time and refers to these signs of stroke: • Balance: Sudden loss of balance • Eyes: Loss of vision in one or both eyes • Face: Face looks uneven or droopy • Arm: Arm or leg is weak or hanging down • Speech: Slurred speech, trouble speaking or seems confused • Time: Immediately call 911

For more information and resources, visit StrokeAwareness.com, developed by Genentech Inc, a member of the Roche Group.

“BE FAST” was developed by Intermountain Healthcare, as an adaptation of the FAST model implemented by the American Stroke Association. Reproduced with permission from Intermountain Healthcare. © 2011 Intermountain Healthcare. All rights reserved.

Source: StatePoint

Photo provided by StatePoint. Star basketball player, Latia Howard, suffered a life-changing stroke at 21.

HEALTH

The 4 Best Ways To Protect Your Eyes This Summer By d-mars.com News Provider

A

lot of people take their eyesight for granted, but eyesight allows you to connect to your surroundings, keeps you safe and helps you maintain mental clarity. According to the Centers for Disease Control and Prevention (CDC), approximately 12 million Americans have vision problems. If you don't take the proper precautions to take care of your eyes, you could end up hurting them unintentionally.

Fortunately, eyewear products in recent years have allowed for innovative solutions in the ways we take care of our eyes. Here are some of the innovative eyewear solutions that solve the most common problems:

Switchingglasses glasses Switching frequently frequently Some people need different glasses for reading, computer use, talking with others and more. If it's bothersome to take your glasses on and off from one task to the next, Multi Focus glasses can help!

The magnification is strongest on the bottom of the

lens, and smoothly decreases to about half that magnification at the top of the lens. Whether you're reading a book, working on the computer or just spending time with a friend, Multi Focus helps you see clearly.

Excessivescreen screentime timeand andblue bluelight light Excessive People are constantly connected to their phones, computers and tablets these days, especially those who are working from home or distance learning. And even when they're off the clock, people are still looking at screens, streaming media or video chatting with a friend.

Fortunately, blue light glasses can help reduce your exposure to blue light throughout the day. Many blue light glasses brands come with patented lens technology.

Active lifestyle lifestyleand and frequently broken broken glasses glasses If you're an avid hunter, fisher or runner, you need eyewear that can protect you from all of the elements the human body and Mother Nature throw your way.

Whether it's your sweat, the blinding glare of the sun or the unpredictability of the weather, maintaining good vision is important for both your health and your survival.

With state-of-the-art performance eyewear from Gargoyles, you can have an undistorted view of almost anything that stands in your line of vision. If you're looking to get active eyewear, make sure the brand you buy meets or exceeds ANSI standards for durability and clarity. Also, you'll want to make sure they feel as good as they look.

Harshsun sunand andeye eyestrain strainoutdoors outdoors Harsh Summer is around the corner. And if you like to sit outside, your standard prescription glasses likely won't protect you. The sun can shine light directly on you when you're trying to read. And if it's hot and bright enough, it can be risky if you're reading for prolonged periods outside.

Fortunately, Foster Grant Fits Over sunglasses can protect eyeglass wearers from the sun's UV light and provide polarized protection from sun exposure, allowing you to kick back and relax outside while you enjoy your favorite book with ease. Learn more at fostergrant.com.

"Our vision correlates so much with our quality of life," says Matthew Coon, Senior Vice President, Product Design and Development at FGX International. "When you have eyewear that provides comfort and clarity no matter what you're doing, the possibilities are endless."

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Source: BPT

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June 2021 | 21

713.597.4499 877.214.5758

theallencg@gmail.com www.allencounselinggroup.com

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22 | June 2021 EDUCATION & CAREER

Renowned Civil Rights Attorney Benjamin Crump to TSU Grads,

“You Are Who Our Ancestors Dreamed About” By d-mars.com News Provider

R

ecently, world-renowned attorney, civil rights leader and author Benjamin Crump delivered the commencement address to 1,073 Texas Southern University's students during the face-to-face and virtual event held at Alexander Durley Stadium.

Attorney Crump is the founder and principal owner of Ben Crump Law and has established himself as one of the nation’s strongest advocates for social justice.

He has represented several families in high-profile civil rights cases including, Third Ward native George Floyd, Trayvon Martin, Michael Brown, the affected residents of the Flint, Michigan water crisis and nine of the 13 Black women victims in the 2015 Holtzclaw Oklahoma City Police rape case.

Crump praised graduates' accomplishments in his commencement address and encouraged them to harness their power to impact the world around them.

"As I stand here and look out at the graduating class of 2021, I see such awesome power. You all have no idea how powerful you are. You cannot fathom the things you're going to accomplish in this world, the influence that you're going to bestow upon this world for future generations," Crump said. "You are who our ancestors dreamed about when they were in the cotton fields under slavery.”

Crump challenged TSU graduates to use their education to fight against social injustice and reshape the American Dream for all people.

“When we fight for the George Floyds of the world, the Breonna Taylors of the world, the Ahmaud Arbery’s of the world, the Stephon Clarks of the world, the Robbie Tolan’s of the world, the Alton Sterling’s of the world, the Philando Castile’s of the world, the Sandra Bland’s of the world, the Atatiana Jefferson’s of the world, the

Eric Garners of the world, the Laquan McDonalds of the world, the Walter Scotts of the world, and the Terence Crutcher’s of the world, what we are really doing is fighting to help make America live up to its high ideals. What we’re really doing is helping America live up to being the great beacon of hope and justice for all the world to marvel. What we are really doing, Texas Southern University, most of all, we are helping America be America for all Americans.”

Attorney Crump ended his commencement speech by presenting TSU a check for $20,000 to establish the

Benjamin Crump Social Justice Endowed Scholarship.

“I believe this scholarship will help create new opportunities for the next United States Representative, the next United States Supreme Court, and possibly, the next President of the United States, right here from Texas Southern University.”

For more information, please visit www.tsu.edu.

Source: Texas Southern University

EDUCATION & CAREER

Curtis “50 Cent” Jackson Partners With HISD To Prepare Student Entrepreneurs By d-mars.com News Provider

H

ouston Independent School District (HISD), Curtis “50 Cent” Jackson, and Horizon United Group have joined forces to help high schoolers learn the business skills that define successful entrepreneurship.

The partnership will bring a groundbreaking initiative, the G-Unity Business Lab, to Kashmere, Worthing, and Wheatley high schools at a time when students most need to reconnect with learning and acquire critical professional skills.

Up to 50 students will apply for paid internships to take part in the after-school program this fall at their home school site.

Students in the lab will engage in MBAlevel lessons that represent the full lifecycle of a product or concept, from idea creation, to market branding, to even running a company.

“The G-Unity Foundation’s partnership with HISD will create an immense opportunity for our students to grow the next generation of entrepreneurs and

business leaders,” said HISD Interim Superintendent Dr. Grenita Lathan. “By focusing on underserved youth and providing paid internships, the G-Unity Business Lab will help students from low-income households envision a different reality for themselves and their future.

We could not set s t u d e nt s on a path to success without pa rtners like Curtis Ja c k s on, who see the value a nd potential of investing in our children.”

This initiative represents the first flagship investment of Curtis Jackson’s philanthropic arm, the G-Unity Foundation.

The pilot program is co-funded by the G-Unity Foundation investing $300,000 over two years and HISD matching the

funds for a total of $600,000.

“It’s great to be giving back to this community that’s already given me so much,” said Curtis Jackson. “These young kids can do great things if they just have the right skills and tools. This program is going to help get t hem there.”

T h e G-Unit y Business Lab also lines up with Mayor Sylvester Turner’s initiatives to create jobs.

“A quality education is the best tool we can give young people to help them succeed in the classroom and prepare for a career,” said Houston Mayor Sylvester Turner. “I am deeply grateful to Curtis “50 Cent” Jackson for investing in Houston ISD students. This program will have a big impact on the lives of students and their

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families. It will provide a platform to help young people grow their skillset by learning how to be future entrepreneurs, scientists, engineers, and business leaders.”

Beginning in the fall of 2021, selected students from Kashmere, Worthing, and Wheatley high schools will work with HISD educators, Houston business leaders, and the G-Unity Foundation to complete an after-school course that teaches MBA concepts aligned with Curtis Jackson’s book, Hustle Harder, Hustle Smarter.

Through the 12-week course, students will be exposed to instruction from high-achieving business leaders that will mentor them through the process.

The program will culminate in a “Shark Tank” style competition that will be judged by Curtis Jackson, Al Kashani, President of Horizon United Group, and other community leaders. The winners will receive seed money to begin their businesses that are incubated in Houston.

For more information, please visit https://blogs.houstonisd.org/news/.

Source: HISD

June 2021 | 23

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24 | June 2021 FINANCE

3 MONEY TIPS To Help Single Moms Build Wealth By d-mars.com News Provider

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our years ago, Dr. Lakisha L. Simmons was newly divorced, parenting two young kids and living beyond her means.

"After putting the children to sleep, I would be alone at night in that big five-bedroom house," she said. "I'd just sit there and think to myself, 'What am I going to do?'"

Simmons decided - as she had throughout her life - to take action.

Her first step was to get a handle on exactly what her finances looked like. She chose to start with Personal Capital, a free online tool that lets her see all of her finances in a single dashboard. After seeing her debts and assets all in one place, she was ready to slash expenses - starting with her hefty mortgage. She downsized to an apartment, got comfortable with budgeting and learned to invest. Within the span of four years, Simmons amassed a $750,000 net worth.

Her message to other single mothers? "All you have to do is take one step forward," she said. "Just take one step at a time and you will get there."

In order to build a plan, Simmons advocates that people should first know what they have and what they owe, and get familiar with all of their financial accounts.

"I find that so many people just don't even really know where they stand," Simmons said. "I've had women tell me, 'I'm afraid to see how much debt I really have' or 'I'm afraid to know what my picture really looks like.' It's scary."

Building wealth wealth as aa single Building singlemom mom This past year has heaped financial strain on many parents, particularly single mothers. Among full-time workers, mothers are typically paid only 75 cents for every dollar paid to fathers.

Recent research also reveals a striking longer-term financial impact.

A Personal Capital-Empower Retirement survey found that a majority (62%) of single working moms no longer feel confident in their ability to plan for retirement.

Conversely, less than half of the general population (40%) lacks confidence in their retirement plans.

The survey also uncovered that working single mothers, compared to the general population, are more likely to: • Be paying off a student loan • Not be able to achieve savings goals • Anticipate missing a bill payment due to the pandemic • Say they are "barely surviving" financially For Simmons, scaling back living expenses was critical to the confidence she now has in her financial future.

Although she would've been able to sustain her lifestyle, she knew she wouldn't get ahead.

"For all those years, I'd been working for my money, but now I needed my money to make a return on investment for me," she said. "It was crunch time - my partner's gone, I have one income, I have two boys. I have to figure it out."

Finance tips tips for for single Finance single moms moms Since selling her house in 2017, Simmons has taken big steps toward her goal of financial freedom.

She learned everything she could about investing.

She started side hustles, like writing The Unlikely AchieveHer, taking speaking engagements and delivering goal-setting workshops. She maxed out her retirement accounts, including a 403(b), 457(b) and Roth IRA. Here's how she defied the odds.

1. Really look at your financial picture.

"I always say, 'Get a tool like Personal Capital so you can see and automatically track everything,'" Simmons said.

Dr. Lakisha L. Simmons

She recalls her own financial turning point following her divorce: "I was afraid, too. But I would encourage women, all you have to do is take one step forward."

2. Get on good terms with your budget.

For Simmons, budgeting is not about deprival.

Instead, she refers to her own method of money management as her "budget bestie."

"You really need to be close with your budget - to know everything that's going out at any given time," she said. She uses both online tools and spreadsheets to manage her cash flow, analyze her investments and plan for long-term savings goals like retirement.

Most experts agree that the highest-impact financial action people can take right now is to set aside a cash emergency fund of at least 3-6 months of expenses.

3. Invest in your own future for your children's future.

As a parent, Simmons believes it's important to make the big money moves that feel right for you. In her own life, early retirement is important. Once she builds up her nest egg, she knows she has the practices in place to live off it.

Simmons believes in establishing her own financial security so that she can support her kids in their own future goals. Perhaps equally important are the money lessons she passes down.

"When they start working, trust me, they will be helping pay for their own college and investing in their future," she said. "It's OK to let your children know that they have responsibility in their financial education."

All product names, logos and brands are property of their respective owners. Featured individual is a paid spokesperson and not a client of PCAC and does not make any endorsements or recommendations about securities offerings or investment strategy.

FINANCE

How To Avoid Unexpected Fees From Subscription or Recurring Services By d-mars.com News Provider

W

hat may have started as a deal too good to pass up could end up costing you for months to come.

Costly subscription services could be charging your debit or credit card monthly and if you don’t keep close tabs on your accounts, you may not even be aware.

The hook may come in the form of an advertisement for a product or service with a surprisingly low price or a promise for goods at just the cost of shipping. But once you provide your card information and place your order, you’ve signed yourself up for a monthly or recurring fee buried in the fine print.

“It’s always important to evaluate why something seems too good to be true,” said Joseph Grant, operations group manager for Card Loss Prevention at PNC’s Customer Care Center. “In some cases these merchants are counting on the fact that consumers aren't paying enough attention to the fine print or their bank statements to know they're racking up recurring charges based on a one-time purchase.”

Grant said the issue is more common than people might expect, prompting thousands of calls into PNC’s Customer Care Center phone lines each month.

Confused customers often ask for help identifying the unexpected charges or refunding the fees. In early 2020, Visa updated its rules for merchants offering free trials or subscription services in an attempt to provide transparency and control for purchasers.

“This practice isn’t illegal, it’s just unfortunately often deceptive,” Grant said. “There’s no guarantee that money spent can be recouped, which can lead to a lot of extra time spent in the dispute process with a merchant.”

Instead, Grant encourages consumers to be vigilant when making online purchases, especially when something comes at a price too good to be true. Consider these tips to help you avoid or identify trials that could turn into a recurring charge.

• Research what you are buying and who you are buying from. An internet search will likely reveal if others have had negative experiences with a merchant.

• Read the fine print on all purchases before finalizing your order. Be on the lookout for any language about recurring or subscription fees.

• Watch for check boxes that may enroll you in subscription services or additional marketing.

• Save any emails confirming your order, which will likely note any important dates or upcoming charges.

• Keep tabs on email for any notifications about an upcoming subscription charge.

• Investigate the merchant’s customer service practices. If it’s not easy to get in touch with them, they’re likely not someone you want to do business with.

• Find out how easy it is to cancel or unsubscribe from a service before you make a purchase.

• Monitor your bank statements and review account activity.

• Contact the merchant quickly to help prevent additional charges if you discover that you have incurred a subscription-related charge and would like to cancel.

“The biggest key is just to be aware, both of what you’re signing up for as well as what is happening with money in your account on an ongoing basis,” Grant said.

“When all parties are transparent, it makes for a better experience for everyone.”

Source: BPT

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Source: StatePoint

June 2021 | 25

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26 | June 2021 FINANCE

5 Tips To Help You Take Control of Your Finances

financial stability. When you do need your HSA for medical expenses, check with your employer to see how it can best be used.

An HSA can help pay for qualified medical expenses including prescriptions, medical tests and treatments, including many vision and dental expenses.

Investin inyour your 2.2.Invest family’s future family’s future

By d-mars.com News Provider

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any people are reassessing goals in light of the turmoil of the last year. There is a renewed focus on gaining control of finances, especially through increased saving and getting professional advice. Even Americans who did not lose work lost a sense of confidence in the economy.

A new survey by Harris Poll for Empower Retirement and Personal Capital reveals a change in attitudes about finances from April - as the pandemic’s effects were beginning - to December of 2020. Despite the stock market rallying after the initial lockdowns, 22% of survey respondents from December said they felt optimistic about their finances, down from 29% in the April survey.

Two thirds of respondents said they were bracing for financial pain in the event of future lockdowns, with 44% concerned about losing money on investments. Reacting to uncontrollable world events, one theme emerged: People want to feel more in control of their own finances, whatever comes next.

These tips can help you feel more confident financially, no matter your circumstances.

Savewhat whatyou youcan can 1.1.Save There’s no better buffer against unexpected emergencies - anything from car breakdowns to job loss - than an emergency fund. Financial professionals recommend saving at least three to six months of expenses to be prepared for emergencies.

Sound daunting? Start small and consider setting up automatic deposits into a savings account with each paycheck, to save without thinking about it. Even a few dollars per pay period can add up over time.

According to the survey, parents are concerned about the pandemic’s impact on their children’s education, but many believe the crisis will lead to a fundamental shift in higher education.

Nearly 6 out of 10 (59%) expect student loan debt forgiveness to become more common, and half believe the pandemic will make higher education more accessible in the long term.

If your children are college bound, have a conversation with a financial professional or your child’s high school guidance counselor about how financial aid works and what strategies may benefit your family. If you have young children, look into a 529 college savings plan in your state, which can provide tax and financial benefits.

5. Consult Consult aa professional professional

Whether you’re approaching retirement age soon or it’s years away, consider taking full advantage of your employer’s matching funds for your 401(k) contributions.

Ask your HR department about how to fully utilize all your available employer retirement benefits and increase your retirement savings percentage now if you can. Your future self will thank you.

Americans are focusing on fundamentals: cutting spending, increasing savings and safeguarding investments. As uncertainty continues, an increasing number are seeking professional help to make financial decisions and plans.

“A good financial professional can provide not just advice on saving and investing, but financial wellness recommendations on everything from building a budget and starting an emergency fund to managing debt,” said Edmund Murphy, president and CEO of Empower Retirement.

A financial professional can help you set priorities and find the best vehicles for protecting and growing your money. Ask your employer if your retirement plan provider offers financial advice through virtual sessions or phone calls with a professional. You may also be able to access digital tools that help you calculate how close you are to your retirement goals, along with ways to monitor your investments.

Consideryour yourHSA HSA account account as part of your 4.4.Consider part of your retirement strategy retirement strategy

For more tips about financial planning, visit Empower-retirement.com/emp.

Don’tforget forgetretirement retirement 3.3.Don’t

If your company offers a health savings account (HSA), remember that any unused funds can be saved up to be used during your retirement - adding to your future

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Source: BPT

June 2021 | 27

Rape is an Underreported Crime Don’t be a silent bystander!

Speak out against All Sexual Violence!

If you or someone you know is experiencing Sexual Violence, call the Sexual Assault Hotline

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HarrisCount yDA.COM Experience Our World of Advertising, Marketing, Media and Communication

28 | June 2021 REAL ESTATE

Supporting Fair Housing, Inclusivity in Your Community By d-mars.com News Provider

H

ome and property ownership is a nearly universal part of the American dream. An unfortunate reality of our nation's past and present, however, is that this dream has been much more difficult to achieve among minority groups.

April marks the 53rd anniversary of the passage of the landmark 1968 Fair Housing Act, the federal law that protects Americans against housing and property ownership discrimination on the basis of race, color, national origin, religion, sex, familial status or disability.

But despite all the progress this nation has made over recent decades, people searching for a home today face many of the same challenges they did 53 years ago. Home and property ownership rates for Black Americans are nearly 30 percentage points lower than that of white Americans, and after decades of gain, the Black homeownership rate has now fallen back to where it was a half-century ago.

"During this time, we honor the sacrifices and tenacity shown by so many during the fight to expand equal access to housing and property in America," said National Association of Realtors® President Charlie Oppler.

"As the largest trade association in the world, NAR has a powerful voice, and we will continue to use that voice to champion efforts to build more inclusive communities throughout our nation."

Home and property ownership are one of the keys to long-term wealth and financial stability, but racial disparities in homeownership still exist. According to NAR's Snapshot of Race & Home Buying in America report, home and property ownership rates among Asian, (60.7%), Hispanic (48.1%) and Black

Americans (42%) significantly lag behind the 69.8% homeownership among White Americans.

"This data reflects our country's continued struggle with structural and implicit bias, which continue to adversely affect Black, Hispanic and Asian Americans in their ability to achieve the American dream of homeownership," said Bryan Greene, Vice President of Policy and Advocacy for NAR. "Homeowners' net worth is 44 times greater than renters,' and home and property ownership is still the best way for the majority of Americans to build wealth. That's why Realtors® are committed to

Ask Askyour yourrepresentative representativetotosupport supportpolicies policies that help first-time home buyers that help first-time home buyers Hispanic and Black Americans are two and three times more likely, respectively, than white and Asian Americans to tap into their 401(k) or pension funds in order to compile the funds necessary for a down payment - a path that can negatively affect long-term prosperity. Simply calling, emailing or writing a letter to your representatives to ask them to support policy proposals like the Biden administration's first-time buyer tax credit would offer a significant opportunity to help address many of these underlying barriers to homeownership among minority groups and first-time homebuyers.

Getinvolved involvedin inaafair fairhousing housing Get organizationin inyour yourcommunity community organization Fair housing organizations work in communities across the country, as well as at the state and national levels, to educate the public about fair housing, investigate claims of discrimination, and push for policies that promote housing rights. They work in partnership with governments and private housing providers to promote best practices to prevent discrimination and foster diverse, inclusive communities. Find a fair housing organization in your area online.

expanding equal access to housing for all."

From implementing anti-discrimination trainings to developing a plan for Realtors® to proactively uncover and address fair housing problems to addressing the importance of credit scoring accurately capturing someone's credit worthiness, NAR is committed to supporting fair housing and property ownership rights during Fair Housing Month and throughout the year. To support NAR in combatting discrimination and addressing these home and property ownership gaps in your own community, below are a few ways to take action.

Read, Read, watch watch and and listen listen to to learn learn more more about about fair fair housing housing To better understand fair housing, how America became so divided and the ramifications of living in a segregated society, check out NAR's collections of books, videos and podcasts. You can also learn more about equal opportunity housing and the rights and responsibilities home buyers and sellers have online.

Learn more about NAR's fair housing initiatives by visiting https://www.nar.realtor/fair-housing.

Source: BPT

REAL ESTATE

Assistance Still Available For Renters Amidst COVID-19 Pandemic By d-mars.com News Provider

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illions of people still find themselves confronting financial hardship and uncertainty due to the COVID-19 pandemic. For those finding it challenging to keep up with timely rental payments, resources and relief options are available including financial counseling, help communicating with landlords, state and local tenant protections, and even emergency rental assistance.

To help renters navigate these resources, Fannie Mae - a leading provider of home loan and multifamily housing financing - provides real-time information at KnowYourOptions.com.

"We want to ensure anyone struggling to pay their rent understands their options," said Michele Evans, Executive Vice President and Head of Multifamily, Fannie Mae. "A number of protections are in place for renters, and financial support is available."

Fundsfor forrental rentalassistance assistance Funds At KnowYourOptions.com, renters can access information on a number of topics,

including information on state and local assistance programs.

"Even if you checked last year and weren't able to find help, now is a good time to explore these programs again," according to Evans. "The American Rescue Plan Act recently allocated approximately $22 billion in emergency rental assistance for eligible renters to cover rent, missed rent payments, utilities, home energy costs and other housing-related expenses." This is in addition to $25 billion in federal assistance passed in December 2020, which state and local governments are responsible for distributing.

Personalized help for renters who help needfor it renters who Personalized need it

For those who need additional help, KnowYourOptions.com provides access to the Renters Resource Finder, which will identify if you live in a building that is financed by Fannie Mae. Those who do can access U.S. Department of Housing and Urban Development-approved counselors at the Disaster Response Network.

Counselors can provide:

• Free financial assistance to create an action plan and receive budgeting support and coaching from experts.

• Guidance on a variety of relief options, including unemployment benefits, nutritional assistance and other programs.

• Explanation of available federal rental assistance options that are available at the state and local level and help managing the application processes.

• Nonlegal support communicating with landlords to help reach a mutual understanding.

In addition to resources for renters, property owners with a building financed by Fannie Mae may be eligible

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for forbearance, which temporarily suspends or reduces their mortgage payment until the hardship is over.

By taking advantage of this option, the property owner agrees to provide payment flexibility to their renters who may be experiencing financial hardship due to COVID-19.

The multifamily COVID-19 forbearance program requires property owners with a forbearance plan related to the pandemic to suspend all evictions for renters unable to pay rent during the forbearance period.

A property owner participating in the program also must allow tenants flexibility to repay back rent over time and not in a lump sum; and not charge late fees or penalties for non-payment of rent.

"As COVID-19 persists, Fannie Mae remains steadfast in our commitment to helping renters stay in their homes," said Evans. "We encourage renters facing financial challenges to visit KnowYourOptions. com to find reliable information and resources on rental relief options that are available nationwide."

Source: BPT

June 2021 | 29

CALL TODAY!

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BYRON ALFRED

FOUNDER | BOARD CERTIFIED TRIAL LAWYER Obtained a $44 Million jury verdict in a Refinery Wrongful Death case. #1 Work Injury Verdict in Texas for 2018 Secured Largest Settlement in Texas History for a School District Sexual Assault Case in 2019 First African-American Lead Counsel Inducted to Texas Verdicts Hall of Fame Over $100M in Verdicts and Settlements since 2015 Inducted into Multi Million Dollar Advocates Forum Super Lawyers Rising Star Since 2016

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Phone: 713 470 9714 Fax: 877 751 7453

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Email: byron@alfredfirm.com Website: alfredfirm.com

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30 | June 2021 REAL ESTATE

Compare the Benefits of a New to an Existing Home

By Marla Lewis President of the Houston Black Real Estate Association

T

here are pros and cons to a new construction home or existing home, so the decision may not be that easy as you consider a home purchase.

No matter which way you go, you’ll probably end up making tradeoffs. In the end, choose the type of home that makes the most sense for you, your lifestyle and upcoming plans.

From an investment standpoint, it is wise to think about the future when buying. After all, you will be the seller one day and will no doubt want to get the largest possible return on your investment.

What if, for example, a home is one of the first in a new subdivision. As other houses are still being built, short-term resale of a two-year-old house can be difficult.

Given two similar choices in the same neighborhood, most buyers opt for a brand new house as opposed to one that’s been lived in. Additionally, builder incentives can make the new home down the street more attractive to buyers. This typically changes as the neighborhood matures and the builders clear out.

It’s not all about the investment, though. You must live in this home. Central air, large pantries, walk-in closets, multi-car garages, more and bigger bathrooms and other contemporary amenities are more common in newer homes. There are not many 40-year-old homes featuring a master suite with a spa and two walk-in closets.

New homes are also built with infrastructure tailored to modern life – like having more electrical outlets or being pre-wired for security or Internet.

Additionally, there are stricter building codes and significant advances in construction materials and techniques. These improvements result in safer and more energy efficient homes.

Also, the builder may offer customization options, like color schemes, flooring, kitchen cabinets or appliances, that allow you a degree of personalization. Existing homes were built and designed to someone else’s standard and taste, which is bound to be different from yours.

On the flip side, many older homes have a charm from the period during which they were built. Some sit on larger parcels of land than the lots common in most new subdivisions. You also may find an existing home that has been remodeled in a way that suits your needs perfectly.

Maintenance Maintenance Home maintenance comes with homeownership. There is no house that is maintenance- or defect-free – even brand new homes. In fact, it’s not uncommon to find at least one construction defect that must be addressed in a brand new house. So, if you do opt for a new home, make sure you understand the warranty and the process for identifying

and fixing problems. As with the purchase of an existing home, buyers should have a new home inspected by a licensed third party inspector prior to closing.

The neighborhood should be a significant part of your decision. Think about what you value – school district, proximity to your workplace, and day-to-day convenience are common concerns for most people, but your list may vary.

You’ll find that many residential builders acquire large tracts of land (usually far away from downtown areas) and start a subdivision from scratch. It’s more cost-effective to lay infrastructure and build if there are no obstacles.

So, if you happen to be partial to large trees lining the streets, an older neighborhood may be more your style.

Some new communities also initially lack services like nearby grocery stores, shopping or other things that you take for granted in established areas.

Movinginin Moving If you purchase a home before completion, builder delays or other holdups could prevent you from moving in on schedule. This may end up being no big deal, but if the timing is wrong, you may have to find a temporary solution while the setbacks are resolved. This may mean delaying closing on the sale of your current home, finding a place to rent, staying with friends or family or placing your belongings in storage. These can be particularly challenging during COVID times.

When deciding between a newly built home and existing home, choose based on your family’s needs. A realtor can help you sift through the options. For more information or to find a realtor, visit HAR.com. And please visit www.hbreahouston.org to find out more about the HBREA.

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