Business Journal 175

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BUSINESS JOURNAL

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

March 2022

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Inspire, Inform & Educate

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175th Edition

Be Deliberate in Your WealthBuilding Goals With Marshall Wealth Management, LLC 10-11

INSIDE

06

d-mars.com Shines the Business & Banking Spotlight on Comerica Bank’s Chief Community Officer Irvin Ashford, Jr.

17-32

2022 Black Excellence Weekend kicks off with the Top 50 Black Professionals and Entrepreneurs of Texas Awards

46

Facing Financial Hardship? Tips To Avoid Foreclosure

2 | March 2022

Experience Our World of Advertising, Marketing, Media and Communication

March 2022 | 3

PUBLISHER’S MESSAGE

MR. D-MARS CERTIFIED:

HMSDC

d-mars.com is proud to continue our partnership with the community, publishing positive content and success stories promoting the advancement of our African American businesses and civic and community leaders.

In the United States, the average Black and Hispanic or Latino households earn about half as much as the average White household and own only about 15 to 20 percent as much net wealth. In addition, Black households generally start with less family wealth.

Furthermore, there is no denying that societal changes are needed to address the racial wealth gap. Though there are factors that contribute to the gap, we as a community need to take responsibility to build wealth.

This month’s cover story highlights James L. Marshall, Jr., senior financial advisor, owner, and president of Marshall Wealth Management, LLC. James is a familiar and

Port of Houston

BEHIND THE JOURNAL PUBLISHER & CEO Keith J. Davis, Sr. CHIEF OF STAFF & MANAGING EDITOR Kimberly Floyd ACCOUNTING MANAGER Eugenie Doualla ASSISTANT SALES REPRESENTATIVE Tiffany Brown OPERATIONS COORDINATOR Bria Casteel ART DIRECTOR Angel Rosa DIGITAL MARKETING MANAGER Erick Fontejon PHOTOGRAPHY Grady Carter L.C. Poullard DISTRIBUTION Mike Jones CONTRIBUTING WRITERS Marla Lewis Stacy M. Brown d-mars.com

METRO

“I was desperate to understand money. Not to make it, to understand it.

I wanted to know how it worked, and I wanted to know so that I would have enough and would be able to make good financial decisions.”

— Mellody Hobson, American businesswoman, president and co-CEO of Ariel Investments, and chairwoman of Starbucks Corporation

City of Houston

well-respected name in the finance arena, with more than 30 years of success, continuing to receive honors for his work as a wealth builder. Before founding Marshall Wealth Management, he worked for some of the world’s foremost financial institutions including Merrill Lynch, New York Life, and American Express Financial Advisors.

Marshall Wealth Management is a wholly-owned registered investment advisory firm with offices in Louisville and Houston.

James’s goal is to help grow and transfer $1B of wealth to our community, supporting the growing independence and net worth of the Black community. His cover story will hopefully spark a change in you, encouraging you to start taking steps today to build generational wealth for tomorrow.

As always, thank you for your continued support of d-mars.com, progressing our publication’s efforts to highlight the communities in which we serve, live, and work. Partnering together, we succeed in making positive things happen.

HISD

CONTENTS 04 BUSINESS 04 How Your Small Business Can Move From Surviving To Thriving 04 Small Business Digital Alliance Announces National Members and First Slate of Events 06 d-mars.com Shines the Business & Banking Spotlight on Comerica Bank’s Chief Community Officer Irvin Ashford, Jr.

16 Houston Area Urban League creates 20 new positions for COVID-19 Outreach Initiative 33 Americans Lose 200 Hours of Sleep Over Debt Stress, Survey Finds 34 African Americans Are at Higher Risk of Glaucoma: How You Can Help Protect Your Vision 34 Unexpected Ways Kindness Improves Kids’ Health

07 COMMUNITY 07 Shining the d-mars.com Community Spotlight on Project Still I Rise, Inc. 08 New Collaborative Seeks Investment in Media Organizations as Critical Civic Infrastructure 08 Three Former Officers Found Guilty of Violating George Floyd’s Civil Rights 09 “Ashamed”: Newspapers Apologize for Decades of Negative Coverage on Black Communities

17-32 SPECIAL SECTION 17-32 2022 Black Excellence Weekend kicks off with the Top 50 Black Professionals and Entrepreneurs of Texas Awards 38 FINANCE 38 Wells Fargo Donates $20 Million to Strengthen Small Businesses in Houston 38 Minority Equality Opportunities Acquisition Inc. Rings Closing Bell at Nasdaq 40 How the Guarantees of Whole Life Insurance Can Help Secure Your Financial Future 40 4 Steps To Reach Your Saving Goals

12 EDUCATION & CAREER 12 TSU Lauds a Legend: Rev. William D. Lawson 12 Howard University Receives $2M to Digitize Black Newspaper Archive 10-11 COVER STORY 10-11 Be Deliberate in Your WealthBuilding Goals With Marshall Wealth Management, LLC 13-16, 33,36 HEALTH & WELLNESS 14 Let’s Talk About Suicide

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OUR SERVICES ADVERTISING | MARKETING MEDIA | COMMUNICATION • Business Journal • Health & Wellness Journal • Community Weekley Report • 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

42 REAL ESTATE 42 Buying Your First Home: What You Should Know 44 Growth of Technology Makes It Even More Important To Use a Realtor 45 What To Know When Selling a Home With Pets 46 Facing Financial Hardship?

Tips To Avoid Foreclosure

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4 | March 2022 BUSINESS

How Your Small Business Can Move From

Surviving To Thriving Create Createnew newways waysfor forcustomers customerstotomake make digital payments digital payments

By Stacy M. Brown NNPA Newswire Senior

To help your customers pay for goods and services using their computer or mobile device, Visa offers a variety of resources and digital tools.

"More than ever, people are engaging across multiple channels - shopping online, in-store, and through mobile apps," said Jeni Mundy, Global SVP Merchant Sales & Acquiring at Visa. "We've seen that SMBs who have embraced digital commerce and made changes to the way they operate not only have weathered the pandemic better but are also setting themselves up to thrive in the future."

T

he last few years have brought incredible challenges to small and micro businesses (SMBs), plus some amazing stories of tenacity and survival.

These businesses have seen enormous changes, fueled by consumer habits that are here to stay.

For many SMBs, digital payment acceptance has become increasingly intertwined with their long-term success.

Visa's Back to Business study conducted in nine countries shows that 82% of SMBs surveyed plan to accept digital payment options in 2022 and 73% said a modern, digital payments infrastructure is fundamental to their growth.

Embracethe thedigital digitaltransformation transformation Embrace If your small business does not yet have an online presence and hasn't yet mastered ways to accept digitized payments online or in-store, now's the time to get on board.

E-commerce has grown exponentially and it's not going anywhere. On average, 57% of U.S. consumers' shopping in the past month was done using digital payments, according to the Visa Global Back to Business Study.

Plenty of tools and tactics are available to help any size business develop and grow its e-commerce capabilities.

Here are some tips to help get your business where it needs to be.

Create Createororimprove improveyour yourwebsite website Developing an attractive, seamless, and user-friendly website is not only crucial to compete in today's

marketplace, but it can also be the difference-maker in a business' survival. In fact, on average, 90% of small businesses surveyed with an online presence said they attributed pandemic survival to increased efforts to sell online, the study said.

If you don't have a website, start here:

• Make sure your web address/URL is easy to say, spell, and remember.

• Select a website host and platform. The host allows your website to have connectivity to the internet, while the platform helps you design and build your website.

• If you don't have a web designer on staff, hire a professional to design a website that's easy to navigate, and that helps consumers quickly understand your business, its services, or products.

Build Buildcustomer customerloyalty loyaltyand andengagement engagement Social media platforms can help you attract new customers, engage with them and reward their participation and loyalty. Creating content like blogs as well as encouraging customer reviews and postings can help build a sense of community with your customer base.

You can also use technology to create a digital customer loyalty program, offering special discounts and promotions for your frequent buyers. Offering benefits like these motivate consumers to do business with you and creates positive buzz about your business.

For more information on the programs Visa has made available to small and micro businesses visit the Visa Small Business Hub and the Visa Small Business COVID-19 support site.

Source: BPT

BUSINESS

Small Business Digital Alliance Announces National Members and First Slate of Events

By NNPA Newswire

T

oday, the Small Business Digital Alliance (SBDA) announced its national members and a slate of upcoming events. The SBDA is a new public-private co-sponsorship between the U.S. Small Business Administration (SBA) and Business Forward, Inc., a nonprofit organization working with small business leaders in support of policies promoting America’s economic competitiveness, focused on connecting entrepreneurs with critical digital tools and resources to start and expand their businesses to scale for success, including in the burgeoning e-commerce economy.

“Technology is no longer a luxury for small businesses, it’s a necessity, and with the $65 billion investment to strengthen broadband nationwide, made possible by President Biden’s Infrastructure Investment and Jobs Act, it will be more accessible than ever,” said SBA Administrator Isabella Guzman. “Through the Small Business Digital Alliance, we’re partnering with our nation’s technology leaders to connect America’s 32.5 million small businesses and innovative startups with free trainings, tools, and increased access to digital networks to ensure they can reach new markets, implement new strategies and fully harness the power of technology to grow and be resilient.”

“Entrepreneurs and small businesses are more likely to succeed by engaging with their community partners, like their local university lab, training program, or tech incubator, to attract customers, open new markets, develop new products, and obtain capital,” said Jim Doyle, President of Business Forward. “Digital tools and community partners lower the barrier of entry for all entrepreneurs, especially those from historically underserved and disadvantaged communities across the country. SBDA will help small businesses and their communities work together to build a vibrant and competitive small business ecosystem.”

The SBDA’s national members are some

of the country’s most well-respected companies that represent a wide range of specialized industries, from technology and e-commerce, and telecom to financial services and benefits. Members of the SBDA include: • Amazon • Square (Block, Inc.) • Comcast• Google • Meta • PayPal • Principal Financial Group • TriNet • Venmo • Verizon • Visa • ZenBusiness

In addition to providing access to free digital resources, the SBDA’s national members have also committed to supporting our nation’s growing small business sector by collaborating with small business advocates, diversity chambers, and local partners to provide entrepreneurs with access to a series of free briefings, panels, and trainings to assist them in accessing and utilizing these digital tools to reach new markets, find diverse talent, improve operations, and raise capital. Additional

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companies that plan to join the SBDA will also be announced at a later date.

Upcoming Small Business Digital Alliance Events A list of free virtual and in-person events hosted by the SBDA can be found below.

These events will feature discussions on small business trends and showcase the free digital tools small businesses can take advantage of through the SBDA. More events will be announced in the coming weeks, and the schedule is subject to changes. We encourage any and all interested community members to sign up to participate via the links provided.

• Thursday, March 31st, Time TBA: Virtual Webinar | Accelerate Your Digital Transformation: https://bit.ly/3LuWB8i • Week of April 4th: Panel/Roundtable and Training in Ohio • Week of April 26th: Panel/Roundtable and Training in Arlington, Virginia • Week of May 2nd: Virtual Webinar | Digital Benefits: Hire, Train, and Retain: https://bit.ly/3LyrcSu

To learn more about the SBDA, visit www.smallbusinessdigitalalliance.com.

Source: U.S. Small Business Administration

March 2022 | 5

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6 | March 2022 BUSINESS

d-mars.com Shines the Business & Banking Spotlight on Comerica Bank’s Chief Community Officer

Irvin Ashford, Jr.

community investments, volunteerism, and data analysis.

Since joining Comerica in 2000, Irvin continues to drive the company’s community efforts forward to better the BIPOC and business community.

By d-mars.com News Provider

A

s Comerica Bank’s Chief Community Officer, Irvin Ashford, Jr. leads community reinvestment nationally and all associated activities, including development, diversity business resource groups, lending,

There have been many successful efforts implemented under Irvin’s direction that include:

• Increased funding for Community Development Financial Institutions (CDFIs) to meet the needs of small and micro businesses in low- to moderate-income communities adversely impacted by the pandemic.

• Committing $5 billion to small business lending over the next two years (three-year commitment).

• Expanding Comerica’s business development program into the Asian American-Pacific Islander, Middle Eastern American, and African-American communities with newly named national managers focused to serve these respective communities’ needs.

D-MARS: What led to your interest in the banking industry/finance?

IRVIN: Finances and money are the economic lifelines that help businesses, communities, and ecosystems grow and thrive. The historical inequities in the financial system made me want to be part of the change. Access to financial education has been a true barrier to economic freedom.

My passion and contribution to creating a beloved community are empowering youth and adults to become good financial stewards. So, I have dedicated my career to equipping more people with the essential skills needed to make sound financial decisions and navigate the increasingly complex financial world.

D-MARS: How are you leading Comerica’s efforts as a partner with Project Still I Rise, Inc.?

IRVIN: I am a longtime volunteer with PSIR. I’ve mentored young men, taught when called upon, and acted as a role model when necessary.

I am available for whatever the group needs me to do. Mainly, I let the young men know I care and hold them accountable. For more than a decade Comerica has partnered with Project Still I Rise, a local nonprofit organization, to help empower today’s youth through financial education, including various STEM camps and events, the award-winning Gift of Knowledge program, and most recently Bank for Babies in partnership with South Dallas-area Headstarts. Research shows that there is a direct correlation between young people who are introduced to basic financial principles and taught how to manage their money at an early age and their future success.

D-MARS: Comerica Bank is a true community partner to so many groups and organizations, but for those wanting Comerica as a community partner, what are some of the requirements they should have to be considered?

IRVIN: There are many avenues to partnership -- volunteerism, support, board participation, and programs including but, not limited to: Comerica Business $ense boot camps, Ask the Banker sessions, Comerica Money $ense curriculum for youth organizations and

Comerica wants to do business with all communities where we live and serve. The challenges created by the pandemic will not be resolved overnight, that is why it is important for us to provide both financial and human capital to lend a hand and show that together we can continue to move forward,” says Irvin.

schools. We look for partners who help us raise expectations.

D-MARS: In your experience, what truly makes community and economic development initiatives effective for diverse and underserved communities?

IRVIN: Listening to the needs of the community and creating win-win opportunities for success.

Simply, meeting people and communities where they are. At Comerica, we identify outlets to reach and teach the communities we serve. We are most effective when we strategically align with community-based organizations that are already doing the work.

DMARS: What are your short- and long-term goals as Chief Community Officer?

IRVIN: To make as many resources and programs available for the community as possible.

D-MARS: What legacy do you hope to leave in the finance/banking industry?

IRVIN: I want to raise the communities’ expectations of how they think Comerica can serve them while helping more individuals, families, and small businesses be successful.

D-MARS: Are there any special awards/honors you recently received that you want to mention?

IRVIN: Although humbled by any individual awards, I pay more attention to the group awards the company has achieved over the past year: • Newsweek’s 2022 list of America’s Most Responsible Companies • 2021 Texas Bankers Foundation Leaders in Financial Education Award Winner • 2021 The Civic 50 by Points of Light Honoree, One of the 50 Most Community-Minded Companies in the U.S. for Six Consecutive Years

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March 2022 | 7 COMMUNITY

Shining the d-mars.com Community Spotlight on

Project Still I Rise, Inc. By d-mars.com News Provider

P

roject Still I Rise, Inc. (PSIR) is one of the few nonprofit Dallas-based organizations solely dedicated to helping youth in underserved areas pursue successful careers in a variety of disciplines, helping them unleash their full potential. Under the leadership of Executive Director Kevin Mondy, PSIR is continuing to equip and empower today’s youth for tomorrow's opportunities through academic enrichment, skills development, mentorship, internships, and leadership development.

Photo Caption: Kevin Mondy is the Executive Director for Project Still I Rise, Inc. He has worked in philanthropy and community development for the past 20 years. Kevin is a strong advocate for social change and education.

compassion, servant leadership, and stewardship) through your efforts?

One of the ways we see our youth live out the organization's core values is when they come back as a PSIR Alum, serving in different capacities within the organization. Recently we started a new arm of Project Still I Rise called the National Youth Chamber of Commerce. All the advisory board members are Project Still I Rise alumni students. During the height of the pandemic, our college students created virtual lessons based on their college majors for students to view. This gave thousands of students an opportunity to be introduced to a university, learn from a college student about a specific major or career path, and have their education and career questions answered.

While other organizations were trying to figure out how to keep students engaged during the pandemic, Project Still I Rise did not have to look very far. We had the resources and skillsets within our organization willing and ready to serve.

Q&A With Kevin Mondy:

Tell our readers about your background and what birthed Project Still I Rise.

My experience growing up was unique. I grew up on a street with eight entrepreneurs. All had successful businesses, but I think only one had a college degree. Those businesses ranged from TV repair to insurance salesman.

I think that helped shape my drive to start a business, having no idea it would be a nonprofit. After graduating college and working within the juvenile justice system, I was exposed and introduced to so many students who didn’t have what I had growing up; parents who could financially provide and HOPE. I saw HOPE and opportunity on my street growing up. I saw my father being one of the eight who had his own business, also learning what mentorship really was and what “It takes a village” truly means. Many of our young people in the system haven’t seen this. Desiring to close the gap between HOPE and opportunity, I founded Project Still I Rise, Inc. Tell us about the partnership with Comerica Bank and how it’s helping to drive the purpose and mission of the organization.

The partnership with Comerica Bank has been extremely valuable not only to Project Still I Rise but to the students and communities we serve. Prior to us establishing a partnership with Comerica Bank, we would talk to students about CEOs, presidents, and VPs of companies. Students would have a hard time believing us because they thought people with those titles were only on the news or in movies and didn’t exist because people with those titles don’t look like them and defiantly don’t visit the neighborhoods they live in. Comerica changed this narrative for our students, making it possible for students to gain access and meet part of the top ten percent in leadership within the company.

Together, we have been able to implement innovative programs centered around financial education and STEM, winning multiple awards and receiving recognition.

What are your short- and long-term goals for the organization?

Our short-term goals for Project Still I Rise include partnering and problem solving through our mission statement to equip and empower our youth for tomorrow.

And long-term, we want to continue to inspire our youth so they are successful beyond high school and college,

also coming back to contribute to this program that has helped them.

Is there a success story you want to share?

This is almost an unfair question because there are so many. However, if I had to pick one it would be when we took a group of students to compete at the National Society of Black Engineers, coming in second place in the MATHCOUNTS competition. We didn’t take calculators because we didn’t have enough money to purchase one for all of the students. However, we came in second place.

We applied for sponsorship with Comerica Bank, and they gave us funding to better prepare our students. And with their help, we competed the year after and won the regional competition in MATHCOUNTS and Robotics.

We went on to defend that title at the national level to bring home the NSBE National Robotic Championship as well as placing 2nd in MATHCOUNTS. This was a first in Dallas’ history!

What legacy do you hope this organization leaves?

The legacy I would like Project Still I Rise to leave is that people will always know that it did everything it could to provide HOPE and create opportunities for students.

One of my prayers is that when I leave this earth, a PSIR Alum is helping to lead the organization to new heights.

Though PSIR continues to receive numerous awards and recognitions, Kevin is most proud of how he, along with the sponsors, partners, leadership team, and PSIR Alums continues to successfully fulfill the organization’s mission after 20 years. There were so many organizations that started on this journey when they did, but they never quit. With funding or no funding, PSIR has been blessed to find a way to continue to serve our youth.

“As I lead PSIR, I stand on one of my favorite quotes

by Shirley Chisholm and Marian Wright reminding me that "Service is the rent we pay for living on this earth.

It is the very purpose of life and not something you do in your spare time."

Talk about how you are seeing the youth living out the organization’s core values (collaboration,

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For more information about Project Still I Rise, Inc., please visit www.psir.org.

8 | March 2022 COMMUNITY

COMMUNITY

New Collaborative Seeks Investment in Media Organizations as

Critical Civic Infrastructure

By Stacy M. Brown NNPA Newswire Senior

D

avid Morgan, Founder & President of the Multicultural Media & Correspondents Association (MMCA), and Linda Miller, the manager of the Donald Reynolds Journalism Institute (RJI), have each declared that a robust, resilient, and diverse media ecosystem count as essential to a community’s well-being.

The duo said making financing available for multicultural and local news publishers is as important as affordable housing, reliable transportation, and access to capital.

That’s why they’ve announced a new partnership that targets the needs of local publishers.

As part of RJI’s Inclusive Media and Economies Project, RJI, MMCA, and Dynasty Consulting have teamed up to help publishers of color tap into community development, revitalization, and reinvestment funds.

They have pledged that the organizations use those investments to test new revenue strategies and build more sustainable business models.

RJI will provide seed money and administrative support to the partnership, and MMCA and Dynasty will develop the engagement strategies and facilitate pilot projects with individual publishers.

“Multicultural media have long played a critical role in the civic, social and economic health of communities,” Morgan noted.

“They are connec tors a n d convenors.

They create jobs.

They have trusted sources of relevant, actionable, and often life-saving information for the very populations that community-centered financing was created to serve.”

He added that by connecting the dots between community media and community development, the groups hope to create an entirely new funding source for media outlets serving communities of color, positioning them to advance a more inclusive narrative of the economy — and to compete in that economy.

Miller said the institution many often turn to for funding critical community infrastructure, like banks, community development finance institutions, and government agencies, largely ignore community media as an essential building block.

“Back in April 2020, I was really thinking and having

conversations about the need to come out of Covid with a more equitable economy and a more equitable media,” Miller remarked.

“I wanted to explore the intersection of those two things, and it came down to the question of if robust, diverse media ecosystem is so important and essential to a healthy economy, then why isn’t BIPOC media and community media, in particular, a bigger part of the conversation having to do with economic development and community development strategies?”

She said she considered what it would take to make a change.

“It’s clear that there’s a blind spot where people who work in the community development space and where they are coming from and really not viewing and funding community media as part of the overall community development strategy,” Miller continued.

“When I connected with David Morgan, we had a meeting of the minds, and we knew that we had to change that system and address that blind spot.”

The duo pointed to an October 2019 report that found that of the $1.1 billion journalism grants in the United States between 2013 and 2017, only 8.1 percent went to journalism efforts specifically designed to serve populations that included racial and ethnic groups, women and girls, and LGBTQ+ communities.

Morgan called an investment in community media an economic development strategy a force multiplier.

“More diverse media ownership gives communities power and resources to control their own narrative, and part of that narrative is the transformational impact that community development and revitalization can have on closing the racial wealth gap — and boosting the economy overall,” he said.

Officials said the partnership expands the reach and impact of RJI’s “Inclusive Media and Economies” project.

It integrates it into MMCA’s ongoing efforts to increase BIPOC media ownership through advocacy, coalition building, galvanizing public, private and philanthropic resources, and its BIPOC Media Incubator.

“BIPOC media is facing a dire situation on the revenue side and audience engagement because of the drying of advertising, their business model isn’t working well, and most are underwater, and all will need a business transformation that will take them from where they are to being sustainable in the future,” Morgan stated.

He pointed out that future sustainability is critical.

“That will take a level of intentionality and the alignment of resources and strategy that the average media company can’t take on by themselves,” Morgan asserted.

“But, because they are vital, we felt the need for a dedicated infrastructure system in which to take them through that process, and that is what our business incubator is all about.”

Morgan continued: “Just having a system isn’t enough. We know that there’s a need for new revenue sources from investing in building infrastructure and a sustainable revenue base to replace advertising. Once, we reached out to public and private entities and said, ‘you are trying to invest in our community, and you haven’t tapped into one of the strongest potential partners.’ As a result, we’ve had very little push back.”

Source: National Newspaper Publishers Association (NNPA)

Three Former Officers Found Guilty of Violating George Floyd’s Civil Rights

By Stacy M. Brown NNPA Newswire Senior

F

ormer Minneapolis police officers Tou Thao, J. Alexander Kueng, and Thomas Lane were found guilty of violating George Floyd’s civil rights.

The conviction in federal court comes months after another former officer, Derek Chauvin was convicted of murdering Floyd after kneeling on his neck for nine and a half minutes in May 2020.

Chauvin also pled guilty to federal charges of violating Floyd’s civil rights.

The jurors also found Thao and Kueng guilty of an additional charge for failing to intervene to stop Chauvin.

Lane, who did not face the extra charge, told jurors that he twice asked Chauvin to move Floyd while restraining him.

Both times, he said Chauvin refused to move Floyd.

According to the Department of Justice, the conviction of violating an individual’s civil rights “is punishable by a range of imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.”

It’s expected that the officers won’t receive the death penalty, but life in prison.

“Today closes another important chapter in our journey for justice for George Floyd and his family. These officers tried to devise any excuse that could let them wash the blood from their hands but following these verdicts George’s blood will forever stain them,” Attorney Ben Crump said in a statement with two other lawyers.

“Today’s guilty verdicts should serve as the guiding example of why police departments across America should expand and prioritize instruction on an officer’s duty to intervene and recognize when a fellow officer is using excessive force,” Crump noted.

The statement continued: “With that being said, the existing policies were not on trial; rather, on trial were the human beings present when the breath was taken from an unarmed man right in front of them.

“Nothing will bring George Floyd back to his loved ones, but with these verdicts, we hope that the ignorance and indifference toward human life shown by these officers will be erased from our nation’s police departments, so no other family has to experience a loss like this.

“The Floyd family will have to relive the traumatic disregard for George’s life once again in June when these officers will stand trial in state court. We hope, and we expect, that these officers will once again be held accountable for their lack of humanity.”

Source: National Newspaper Publishers Association (NNPA)

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March 2022 | 9 COMMUNITY

“Ashamed”: Newspapers Apologize for Decades of Negative Coverage on Black Communities

By Lauren Victoria Burke NNPA Newswire Contributor

I

n a stark reminder of the importance of the Black Press established in the U.S. in 1827 by Sam Cornish and John Russwurm, American papers are beginning to analyze their coverage of African Americans.

In at least two instances that historical analysis by the newspapers themselves has been followed by an apology.

The papers in the predominantly Black cities of Baltimore, Philadelphia, and Kansas City studied and confronted decades of negative news coverage on Black communities.

The efforts also highlight the lack of diversity that continues to persist even in newsrooms in cities with large Black populations.

The Kansas City Star, established in 1880, issued an apology to their readership for what they admitted was consistently negative coverage of the local Black community.

The Star’s apology, published in

Dec. 2020, entitled The Truth in Black and White; An Apology From the KC Star, stated, “Our reporters searched court documents, archival collections, congressional testimony, minutes of meetings and digital databases… Reporters were frequently sickened by what they found — decades of coverage that depicted Black Kansas Citians as criminals living in a crime-laden world.

They felt shame at what was missing: the achievements, aspirations, and milestones of an entire population routinely overlooked, as if Black people were invisible.”

The Star went on to verify that Black news in the community was consistently underplayed and ignored.

Their apology, which arrived months after the May 25, 2020 murder of George Floyd, was part of the effort around the country resulting from Floyd’s death that galvanized discussions on race in America.

On February 18 of this year, the Baltimore Sun did the same as the Kansas City Star.

“The Baltimore Sun frequently employed prejudice as a tool of the times. It fed the fear and anxiety of white readers with stereotypes and caricatures that reinforced their erroneous beliefs about Black Americans. Through its news coverage and editorial opinions, The Sun sharpened, preserved, and furthered the structural racism that still subjugates Black Marylanders in our communities today,” the Sun editorial board bluntly stated.

“African Americans systematically have been denied equal opportunity and access in every sector of life — including health care, employment, education, housing, personal wealth, the justice system, and civic participation. They have been refused the freedom to simply be, without the weight

of oppression on their backs,” the Baltimore Sun editorial Board continued, adding that they were “ashamed” of past coverage of the Black Community.

The Philadelphia Inquirer published an article by Wesley Lowery analyzing the Philadelphia Inquirer’s history on race and the newsroom’s lack of diversity.

“Mentions of Black Philadelphia appeared in the white papers primarily through the lens of crime. To read The Inquirer then would leave one wondering if Black people ever were born, ever died, if they lived lives in between — or if they simply sprouted, fully grown, in the city streets to call for civil rights, seek elected office, and commit various criminal infractions,” Lowery, a former reporter for The Washington Post who is now with CBS, wrote.

“The paper, of course, is not alone in its history. Its story is that of the modern American newspaper: The last half-century began with begrudging efforts at racial integration of both staff and coverage sparked by public pressure and protests; the decades to follow saw expanded efforts to recruit minority journalists before the industry cratered and many of those non-white journalists were the first to be shown the door,” Lowery continued.

The recent analysis by large papers in predominantly Black cities is likely to continue. The articles highlight the importance of historic curation, community image, and news narrative and the impact it has on historically marginalized communities.

Source: National Newspaper Publishers Association (NNPA)

Experience Our World of Advertising, Marketing, Media and Communication

10 | March 2022

It’s time to be deliberate in your wealth-building goals. But there’s no shame if you don’t know where to start and you don’t have to do it alone.

Marshall Wealth Management is here with over 30 years of experience in this industry. If you are not working with us, then you should be working with another professional. And it should be someone you are comfortable with who talks to you and not over your head. Take those steps to build your financial dreams.

The important thing is that you start building today

Be Delibe With Ma BUILD W By d-mars.com News Provider

I

n the United States, the average Black and Hispanic or Latino

Q&A With James L. Marshall, Jr.:

—James L. Marshall, Jr., senior financial advisor, owner, and president of Marshall Wealth Management, LLC

D-MARS: Share with our readers your background and experience.

MWM: I started back in 1988 as a stockbroker trainee with Merrill Lynch, from there I moved to Washington, DC, and worked as an Insurance Agent with New York Life. It was in DC that I learned how to survive as a self-employed professional. I moved back to Louisville and started as a Financial Advisor with American Express Financial Advisors. (They were called IDS at the time.) While at American Express I developed my financial planning skills and grew my practice to the point that I started my own Registered Investment Advisory Firm; Marshall Capital Management Group, which later became Marshall Wealth Management, LLC.

I got to this point in my career by continuing to learn, building great relationships, and staying true to my market base, which has always been the Black community.

D-MARS: Tell us about some of your community involvement.

MWM: Marshall Wealth Management, LLC continues to be very active with various community organizations, educating our community and children on wealth-building strategies. Some of the organizations we work with and serve are the Kingdom Builders’ Center and COGIC, among other churches, the National Black Nurses Association, 21st Century Community Learning CentersUS Department of Education, and numerous fraternities and sororities.

my family and friends, travel the world, and write more books and useful content that has a financial focus to help others build the wealth they desire.

D-MARS: Do you have a success story that you are able to share?

MWM: So many success stories, but I would say some of the best successes over the last 30 plus years is how we have been able to help transfer wealth from one generation to another and work with the younger generation on their wealth building and legacy planning endeavors. Having a role in the financial education of our community has been extremely rewarding and the results are very measurable. I call that success!

D-MARS: What are your short- and long-term goals?

MWM: My short-term goal is to continue developing our Fintech app, “The Hive: Family Wealth Building System.”

And being that I do love music, another short-term goal is to learn to play the double bass. Long-term, I want to enjoy a long and joy-filled life with

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D-MARS: What is the best financial advice you ever received?

MWM: Invest in your growth and the growth of your company, and never give up!

D-MARS: What’s your process for new clients? How do you help them achieve their financial goals?

MWM: We first send them a client questionnaire to get a full assessment of their financial situation, then we make sure that we understand their financial goals and aspirations. After completing the first run of their comprehensive financial plan, we meet with them to review it and make any adjustments needed. From there we start putting in place action plans and investment strategies. The financial plan is a constantly changing blueprint that adjusts with the client’s life changes. We are constantly meeting to review the progress and make needed adjustments. This

March 2022 | 11

erate in Your Wealth-Building Goals arshall Wealth Management, LLC WEALTH. PROTECT OUR PROSPERITY. households earn about half as much as the average White household and own only about 15 to 20 percent as much net wealth. The disparities on display during the COVID-19 pandemic were a jolt to this nation’s conscience.

Job losses were greater for people of color, many of whom lacked savings to cushion the financial blow. In addition, Black households generally start with less family wealth.

McKinsey & Company estimated a $330 billion disparity between Black and white families in the annual flow of new wealth, with 60% of that coming from inheritances.

Furthermore, there is no denying that societal changes are needed to address the racial wealth gap.

Though there are factors that contribute to the gap, we as a community need to take responsibility to build wealth. Saving, purchasing a home, investing, starting a business, thinking about future generations, and

having a conversation with a financial expert are some things you can do to start walking in financial freedom. “You don’t have to earn 6 figures to turn the dream of wealth into a reality. However, you do have to live and plan today with

is a relationship-driven business and we focus on individual needs, not just strategies.

D-MARS: What legacy do you hope to leave?

MWM: My goal is to help grow and transfer $1B of wealth to the Black community.

With that said, I hope that my legacy will be that I played a significant role in the process of growing the independence and net worth of our community.

D-MARS: Who are some people you have been inspired by along the way?

MWM: Too many to name! I constantly read about people who have overcome the restrictions of their environment and went on to grow great businesses, build meaningful organizations, and made a significant difference in their communities. These people inspire me. But mostly I am inspired by the focus, generosity, and tenacity of my clients. Working with them is truly a blessing.

D-MARS: Are there any honors or awards you want to mention?

MWM: I'm honored to have been

that in mind. Building wealth starts with proper planning at every stage of life,” says James L. Marshall, Jr., senior financial advisor, owner, and president of Marshall Wealth Management, LLC. James is a familiar and well-respected name in the finance arena, with more than 30 years of success, continuing to receive honors for his work as a wealth builder. Before founding Marshall Wealth Management, he worked for some of the world’s foremost financial institutions including Merrill Lynch, New York Life, and American Express Financial Advisors. Marshall Wealth Management is a wholly-owned registered investment advisory firm with offices in Louisville and Houston. “As one of the largest cities in the nation, also seeing the plethora of Black businesses here, expanding in 2010 and opening an office in Houston has been excellent for business. I’m proud to serve Houston and our communities with knowledge, tools, and support to build wealth.” James says.

Family Prosperity” • “100 Wealth Building Secrets” • “Mini Moguls: Lessons in Money Management” • “A. Fool and His Money: The Financial education of Anthony Fool” asked to participate in the Million Dollar Round Table: “Court of The Table.” The Million Dollar Round Table (MDRT) is the premier global and independent association of the world’s leading life insurance and financial services professionals. Also, I have received Top Producers Awards from various financial institutions, such as Allianz Life, American Investors Life, TruChoice Financial, Sun America, AIG, Fidelity, and American Express Financial Advisors. I’m also a recipient of the Western Kentucky University (WKU) Distinguished Alumni Award.

An author, James developed the “Mini Moguls” financial comic book series. This series is now a book on lessons in money management for kids used in schools, after-school programs, and summer camps.

A graduate of Western Kentucky University, James continued his involvement by serving on the WKU Foundation Board and the Board of Advisors to the President. His commitment to encouraging more AfricanAmericans to choose a career in the financial services industry has led him to establish the J.L. Marshall Learning and Living Community at Western Kentucky University, Gordon School of Business.

His track record and status in the financial industry have led to him

being featured in several newspapers and magazines, such as the Arizona Republic, Louisville Courier-Journal, and Proud Magazine, where he was a contributing columnist; and many more.

James hosts a weekly podcast, “100 Wealth-Building Secrets With James Marshall” that you can find on Podbean, Apple Podcasts, EnvisionRadio.com, and wherever else you listen to your favorite podcasts.

Connect with James on social media at: • Facebook.com/james.marshall • Instagram @marshallwealth • Twitter @marshallwealth • Linkedin.com/in/ james-marshall-98441314 • Youtube.com/James Marshall, Financial Educator To find out more about James L. Marshall, Jr. and Marshall Wealth Management, LLC and to schedule a consultation, please visit www.marshallyourmoney.com.

His other books: • “Wealth: Unlock the Secrets To Creating and Protecting Black Experience Our World of Advertising, Marketing, Media and Communication

Sources: www.theracialwealthgap.com www.federalreserve.gov www.mckinsey.com www.cnbc.com

12 | March 2022 EDUCATION & CAREER

TSU Lauds a Legend:

Rev. William D. Lawson

Texas Southern University establishes endowment, names street in honor of community, spiritual, and civil rights icon

By Stacy M. Brown NNPA Newswire Senior

T

exas Southern University recently honored the life and legacy of Reverend William D. Lawson, a community trailblazer who helped transform TSU, the Third Ward, and countless lives as founding pastor of Wheeler Avenue Baptist Church.

He and his family – including daughters Melanie, Roxanne, and Cheryl – as well as the church he founded, were celebrated during TSU's first-ever Black History Month Convocation and tribute luncheon. While Rev. Lawson was unable to attend, he did watch the live stream from his home.

"We have the privilege of honoring one of our own, who is truly a pillar of the community," said Dr. Lesia Crumpton-Young, TSU President. "He is a living example of Black excellence.

He is someone who, as our history book says, was 'born to serve.'"

During the Convocation, the world-renowned TSU Debate Team gave an impressive performance highlighting the civil rights movement and Rev. Lawson's role in guiding Houston and TSU through the period of desegregation. At the tribute luncheon, the university announced the establishment of the William A. Lawson Leadership Institute endowed scholarship, initially set at $100,000, as well as the naming of "Wheeler Avenue Baptist Church Way" along the Tiger Walk. The street sign will be placed in the vicinity of the H&PE Arena, which is now located where the Lawson family lived in the 1950s and 60s.

Albert Myres, Chair of the TSU Board of Regents, was instrumental in making the event a reality.

"It is so important that this university, at this time, for the right reason, honor Rev. Lawson today," said Myres.

"I wanted this event to happen as fast as it could. We

Photo Caption: The daughters of Rev. William D. Lawson – Melanie, Cheryl, and Roxanne – accept a check establishing a $100,000 endowed scholarship for the Rev. William D. Lawson Leadership Institute at Texas Southern University, as well as an honorary street sign naming a section along the Tiger Walk as “Wheeler Avenue Baptist Church Way.” TSU honored Rev. Lawson, his family, and his church as part of its inaugural Black History Month Convocation and tribute luncheon. Photo Credit: Texas Southern University

needed to do this now. We have to honor those while we can, while they can appreciate it and taste it."

The Convocation also included musical performances by the TSU Concert Chorale and University Band and special remarks from each of the Lawson daughters.

They recalled memories of growing up in the midst of TSU – and how the life and growth of the church were closely intertwined with that of the university.

"This is the university where he planted his church, his family, and his community," said Cheryl Lawson.

Added Melanie, "Wheeler Avenue Baptist Church and TSU have been neighbors and allies for almost 60 years."

"Daddy established a neighborly and harmonious relationship with TSU," said Roxanne. "He went out of his way to meet, greet and keep a good rapport with every TSU president since 1955."

Lawson served as the director of the Baptist Student Union and was a professor of the Bible at Texas Southern University from 1960-70, during which he also founded Wheeler Avenue Baptist Church. He also became a civil rights leader and befriended Martin Luther King Jr, who would stay with the Lawsons during visits to Houston.

At the tribute luncheon, President Crumpton-Young bestowed the President's Award for People Who Mean Business to Rev. Lawson.

"It is a coveted award," said Dr. Crumpton-Young.

"We don't give very many out, so we are very excited to present it today. I can think of no one more deserving of this honor than Rev. Lawson."

Source: Texas Southern University

EDUCATION & CAREER

Howard University Receives $2M to Digitize Black Newspaper Archive

By Stacy M. Brown NNPA Newswire Senior

H

oward University has received a $2 million donation to digitize its Black Press Archives, which contains more than 2,000 newspaper titles including publications like the New York Amsterdam News, Chicago Defender, Washington Informer, Baltimore AFRO, and other historically Black publications.

The University said it hopes to make the archives more broadly available to researchers and the public.

“Once digitalized, Howard’s Black Press Archive will be the largest, most diverse,

Photo Caption: The Moorland-Spingarn Research Center houses the archive, which dates to the 1970s and includes newspapers from Africa and the Caribbean.

and the world’s most accessible Black newspaper database,” Benjamin Talton,

the director of Howard’s MoorlandSpingarn Research Center, told the Associated Press.

The Moorland-Spingarn Research Center houses the archive, which dates to the 1970s and includes newspapers from Africa and the Caribbean.

The $2 million grant from the Jonathan Logan Family Foundation should also help increase diversity in the university, officials stated.

Howard University credited its Center for Journalism & Democracy for helping to secure the funding from the Logan Family Foundation, which supports social justice causes in journalism and the arts.

“We will be able to go back and look at

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these archives and these newspapers and the way the Black press was covering the world and have a greater understanding of who we are as a society, who we were back then, and who we are now,” Nikole Hannah-Jones told the news service.

“Right now, we really are only getting a very narrow part of the story, and that is the part of the story told through the power and through the ruling class.”

Source: National Newspaper Publishers Association (NNPA)

d-mars.com March 2022 | 13

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HEALTH & WELLNESS JOURNAL

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

March 2022

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Inspire, Inform & Educate

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29th Edition

HOUSTON AREA URBAN LEAGUE

creates 20 new positions for COVID-19 Outreach Initiative 16

INSIDE

14

Let’s Talk About Suicide

33

Americans Lose 200 Hours of Sleep Over Debt Stress, Survey Finds Experience Our World of Advertising, Marketing, Media and Communication

34

African Americans Are at Higher Risk of Glaucoma: How You Can Help Protect Your Vision

14 | March 2022 HEALTH

Let’s Talk About

Suicide Tami V. Allen, MS, LPC Contributing Writer

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ith the recent passing of Chelsie Kryst and Regina King’s son, Ian Alexander, Jr., death by suicide is being more heavily looked at in the African American community. Most people never think it can happen to them until it happens to them. We should not let their deaths be in vain as passing news but we need to educate ourselves about the words and behaviors individuals use before they decide to attempt.

Suicide is the end of the road for depression and other mental health disorders where people feel hopeless, helpless, and at the end of their rope...it’s a longterm solution to a temporary problem.

Most times, people can seek medication treatment to improve the depression but some individuals who attempt suicide are more concerned about the stigma of seeking mental health treatment or taking medication and some say they just like taking any kind of medication.

I often remind individuals who eat processed foods, smoke marijuana, drink alcohol, or take other medications for physical ailments that these behaviors all alter the mind but the stigma and resistance to taking psychotropic medications still exists.

Some of the most prevalent warning signs of impending suicide attempts are as follows: • Expression of helplessness or hopelessness and feeling there is no purpose in life • Expressly talking about killing themselves • Feeling trapped and that their problems are burdensome to others • Excessive use of alcohol or drugs • Excessive sleeping beyond the normal range and staying in the bed most of the day • Isolating from friends and family • No pleasure in once enjoyed activities • Inappropriate calm behavior for the mood • Giving away cherished items • Increased irritability and/or reckless behaviors In addition to warning signs, there are several risk factors to be considered in conjunction with warning signs that are not predicators or causes of suicide, but they are factors in the consideration, attempts, and completion of suicide.

• Depression, bipolar, schizophrenia, anxiety, and some certain disorders • History of trauma or abuse

Family history or previous attempts Lack of social support Lack of access to mental health care Exposure to others who have attempted – personal or in the media • Facing challenges in areas such as relationship, career, or finances • Easy access to lethal means

• • • •

What can you do to help yourself, your friend, or your family member who is exhibiting these risk factors and warning signs? Get educated about mental illness and especially suicide and get treatment; ask for help. Take suicide expressions seriously; they are cries for help, not just “attention-seeking behaviors.” Utilize community resources to seek the direction of how to help yourself or your loved one. Lastly, move beyond the stigma and do whatever is needed to take care of your mental health.

713.597.4499 877.214.5758

theallencg@gmail.com www.allencounselinggroup.com

President, Lead Therapist and Mediator at Allen Counseling Group, PLLC. Licensed Professional Counselor approved by the Texas State Board of Examiners of Licensed Professional Counselors.

Texas Certified Mediator - Parenting agreements and relationship dissolution.

“As your relationship coach, I will work with you to identify unhealthy communication patterns, recover from affairs, stop living like roomates, and revitalize your relationship.”

Specializing in Relationship and Self-Improvement counseling for an exclusive clientele of: - professionals - entrepreneurs - celebrities - athletes Desire Full Confidentiality while working through personal challenges.

No worries about sitting in an office wondering who may “see you” because we offer Tele-Conferencing from the location of your convenience. speciali in working with couples, While I specialize I also work with individuals who want to improve their self-esteem and achieve their personal goals.

I have appointments available in the evenings and on Saturdays to fit your schedule.

Resources: • Call 911 immediately if you or someone else feels unsafe • National suicide prevention line: 800-273-8255 www. suicidepreventionlifeline.org • NIMH – National Institute of Mental Health www.nimh.nih.gov • SAMHSA – Substance Abuse and Mental Health Services Administration www.samhsa.gov • NAMI – National Institute on Mental Illness www.nami.org • DBSA – Depression and Bipolar Support Alliance (provides family support groups) www.dbsalliance.org

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

For more information about me and my services, please visit my website at www.AllenCounselingGroup.com.

You can also reach me by email at Tami@AllenCounselingGroup.com or by phone at 713-597-4499.

Tami Vienn Allen is the owner of Allen Counseling Group and specializes in relationship counseling.

Like and follow the Allen Counseling Group on social media: FB: @AllenCounseling2017 IG: @AllenCounselingGroup Twitter: @CounselingAllen

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

281-969-7388

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March 2022 | 15

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16 | March 2022 HEALTH

HOUSTON AREA URBAN LEAGUE

creates 20 new positions for COVID-19 Outreach Initiative By d-mars.com News Provider

he Houston Area Urban League will be able to hire 20 new Community Health Navigators after being awarded funding with five other National Urban League affiliates to increase COVID-19 vaccination rates among the hardest-hit and highest-risk communities. Other affiliates that received funds are in Knoxville, Tennessee; Jackson, Mississippi; Kansas City, Missouri; Oklahoma City, Oklahoma; and St. Louis, Missouri.

The Houston affiliate, which will receive over $1.3 Million from the National Urban League, will hire, train and support the health navigators, conduct outreach and engagement activities in the Greater Houston community and assist residents in getting vaccinated and boosted. The National Urban League received $11.125 million from the U.S. Health Resources & Services Administration (HRSA) to fund the initiative.

“It’s truly about job creation and investing back in our local community,” states Eric Goodie, Area VP of the Houston Area Urban League. “We desire to help the community overcome this pandemic that’s ravaged disadvantaged communities and at the same time create jobs with livable wages for those that are in need.”

A recent study reported that at least 5.2 million children globally had lost a parent, grandparent, or family member who helped care for them to COVID-19. This sad and shocking statistic recently published in The Lancet Child and Adolescent Health Journal brings to light the vast need for additional education and outreach in communities of color.

T

“We all know that life without a parent or caregiver can be a challenge for anyone, especially in specific populations. We want to do our part to change the narrative and the outcomes these studies suggest. We can only do it by balancing our efforts in the community with quality vaccine information, access, and outreach,” says HAUL President & CEO Judson Robinson, III. “The addition of Community Health Navigators will allow us to continue caring for our citizens so that we can make significant progress to end this pandemic.”

“One lesson we’ve learned through the COVID-19 pandemic is that trusted voices within communities, such as our affiliate presidents and CEOs, are the best

way to overcome vaccine hesitancy, combat misinformation and connect people w it h he a lt h ca re providers,” National Urban League President and CEO Marc H. Morial said. “With the support of the HRSA, our affiliates can expand their reach by hiring a local Community Health Navigator workforce to help keep our communities informed, safe, and healthy.”

The National Urban League is one of 51 community-based organizations that received a combined $250 million in American Rescue Plan funding to increase vaccine access for the hardest-hit and most vulnerable communities.

Since 1968, the Houston Area Urban League has advocated for and provides social services to disadvantaged people of all races, gender, age groups, and/or disabilities.

HAUL operates the following six (6) programs targeting residents in economically disadvantaged geographic areas in the Greater Houston area: Education and Youth Development; Workforce and Economic Development; Workforce Training; Housing; Social Justice; and Health and Wellness Initiatives. These programs impact the lives of over 10,000 people each year. For more information or to apply for a Community Health Navigator position, please call 713-393-8700 or visit haul.org.

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March 2022 | 19

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18 | March 2022

Legacy

Ricky Anderson, Esq.

Super Trailblazers

S. Lee Merritt, Esq.

Gary Guidry

Isaac Johnson

Commissioner Grady Prestage

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March 2022 | 19

Community Heroes

Council Member Tarsha Jackson

Dr. John R. Adolph

Trailblazers Constable Kathryn Brown

Shannon Buggs

Commissioner Kendric D. Jones

Carmen P. Turner

Chris Hollins, Esq.

Pastor Roland Hendricks

Christian D. Menefee, Esq.

Bridgette Smith-Lawson, Esq.

Family Affair

Daniel Moreaux

Bryce Deadmon

Partnership RoseMary Tucker

Cathy and Carl Landry

Bianca Jackson and Delaina Curry-Allen

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Chante T. Lloyd

20 | March 2022

Top Educators

Dr. Loren J. Blanchard University of Houston-Downtown Top Educator

Dr. Bryan T. Taulton Coldspring-Oakhurst CISD Top Educator

Dr. Roosevelt Nivens Lamar CISD Top Educator Experience Our World of Advertising, Marketing, Media and Communication

March 2022 | 21

Super Professionals & Entrepreneurs

Brian K. Hall

Sherry Green

Maurice Bridges

Kenneth L. Haynes

Kevin A. Murray, Esq.

Carla Cooper

John Mitchell

DeMonica Cooper Amerson

Clarence White, III

Tashell Williams

Bill M. Brown

Marcus Edwards

Danielle Keys Bess

Ashworth Barnes

Felicia Drake

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22 | March 2022

Top 50 Black Professionals & Entrepreneurs

Darrance Tezino

Rikki V. Smith Wilson

Dr. Christopher Chance

Sandi Eli

Dr. Robert L. Howard Jr.

Candace Blue

Kehlin Farooq

Glenda Demas

Don Bowie

Albert Johnson III

Dianne Curvey, Esq.

Rashad Cave

Max Bozeman II

Talia B. Washington

Rodney Jones, Esq.

Up & Coming P&E

Dr. Angela Jones, LPC, CST-C

Keith J. Davis Jr.

Tracina Morris

Dr. Alexia McClerkin, DC, RN

Diamond Elizabeth Small

Pernell Davis

Dr. Nissi Hamilton

Odus Evbagharu

Clariona Randolph-Massey

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March 2022 | 23

Black Business NETWORKING Reception

Black Excellence Weekend Friday Night Event - d-mars.com and the Black Professionals Alliance Networking Mixer and Organization Awards d-mars.com and the Black Professionals Alliance salute the organizations who guide our leaders and prepare for the next generation of leaders. These organizations work with students and youth, offer professional development and are a safe haven of like-minded professionals who serve as the ultimate mastermind group.

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24 | March 2022

BACK ROW: John Mitchell, Pernell Davis, Dr. Christopher Chance, Dr. Robert L. Howard Jr., Pastor Roland Hen Tezino, Kendric D. Jones, Clarence White III, Rodney Jones. MIDDLE ROW: Dr. Bryan T. Taulton, Kenneth L. Hay Jackson , Clariona Randolph, Rikki V. Smith Wilson, DeMonica C. Amerson, Keith J. Davis, Jr., Keith “MR. D-M Jackson, Delaina Curry-Allen, Danielle Keys Bess, Sandi Eli, Bill M. Brown. SEATED FRONT ROW: Left to right- D Attorney Ricky Anderson, Gary Guidry, Grady Prestage, Chante T. Lloyd, Bridgette Smith-Lawson, Felicia Dr Experience Our World of Advertising, Marketing, Media and Communication

March 2022 | 25

ndricks, Ashworth Barnes, Maurice Bridges, Dr. Loren J. Blanchard, Brian K. Hall, Daniel Moreaux, Darrance ynes, Nekita Deadmon (Bryce Deadmon representative), RoseMary Tucker, Dr. Alexia McClerkin, Tarsha MARS” Davis, Sr., Tracina Morris, Carmen P. Turner, Glenda Demas, Tashell Williams, Candace Blue, Bianca Dr. Angela Jones, Sherry A. Green, Dr. Nissi Hamilton, Shannon Buggs, Isaac Johnson, S. Lee Merritt, Esq., rake and Talia Washington.

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26 | March 2022

Black Excellence Weekend

Saturday morning - Health and Wellness Bike Ride and Talk and Walk Held at Community Park in Missouri City, the Health and Wellness Bike Ride and Talk and Walk focused on bringing together the community for a morning of exercise and healthy conversation.

Led by Operation Get Fit, Phat Body Gym, Major Taylor Houston Cycling Club, d-mars.com and Fort Bend community leaders, the day was marked with

BIKE RID

WALK TAL

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March 2022 | 27

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28 | March 2022

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March 2022 | 29

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30 | March 2022

Black Excellence Weekend

Sunday morning Higher Dimension Church The Black Excellence Weekend concluded with Sunday morning service at Higher Dimension Church under the leadership of Pastor Terrance Johnson. All attendees left the weekend with an amazing experience and a final good word for the day.

rJ

Saturday afternoon Health and Wellness Medical Professionals Mixer The Health and Wellness Medical Professionals Networking Mixer at Davis St. restaurant at Hermann Park brought together health and wellness professionals to discuss topics that impact our community.

o st Pa

Health and We

Mixer

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ellness

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18 | March 2022

Top 50 Black Professionals & Entrepreneurs Sponsors Title Sponsors

Presenting Sponsors

#1 Top 50 Black Professionals & Entrepreneurs of Texas Directory Experience Our World of Advertising, Marketing, Media and Communication

March 2022 | 33 HEALTH

Americans Lose 200 Hours of Sleep Over Debt Stress, Survey Finds By d-mars.com News Provider

A

new research study looking at how debt affects daily lives reveals that the true cost of debt is more than making the minimum payments. Having debt can also be detrimental to mental and physical health, and impact life decisions.

Commissioned by National Debt Relief and conducted

by OnePoll, the survey finds that the average American loses over 200 hours of sleep annually over their outstanding financial obligations and has three “debt nightmares” a week.

In fact, seven in 10 feel like a “black cloud” hangs over them when they have to pay a bill or loan, and 71% feel debt has permanently affected them mentally. Those surveyed report an increase in anxiety (38%), stress (33%), and moodiness (32%) because of their debt problems, and 69% of respondents who have been in debt say it’s made them withdraw from the things they love.

The survey also reveals a vicious cycle -- while 77% of people would feel guilty spending money on leisure items knowing they’re in debt, three in five respondents also admit to feeling pressured to spend money they can’t afford to hide their financial situation.

Unfortunately, debt is not just personal. The survey suggests that debt can also place a burden on families and couples. In fact, people worry about debt so much that nearly three in five have even considered putting off marriage to avoid inheriting their partner’s debt and

54% believe having a partner in debt is a major reason to consider divorce. Half of the respondents are also afraid of eventually inheriting their parents’ debt.

Experts say that when it comes to combating both debt and the negative feelings it creates, it’s important to be open with loved ones.

“Hiding debt can lead to feelings of loneliness and embarrassment around friends and family, or pressure to buy things you can’t afford,” says Natalia Brown, National Debt Relief’s chief client operations officer. “Tell your loved ones your financial situation so they know your limits.”

Brown also recommends adopting practices that improve your financial outlook in the short- and long-term while helping you avoid future debt. This includes having smart

spending habits that align with your budget, getting health insurance to avoid exorbitant out-of-pocket spending on medical care, and setting up automatic savings. With these practices, Brown hopes more people will be prepared to pay a surprise $400 bill, which the Federal Reserve reported 40% of Americans would struggle to pay.

Debt management can be complicated, particularly if you owe multiple creditors or if your debt feels overwhelming. It’s no surprise that nearly three-quarters of those polled wish there were tools and resources available to help them when they were at their worst in debt.

To help you pay off your debt faster or even lessen the amount you owe, Brown suggests enlisting the help of a service such as National Debt Relief, which negotiates with creditors on your behalf to significantly reduce your debt, so you can be debt-free in as little as 24-48 months. As a top-rated debt relief company, National Debt Relief has helped hundreds of thousands of clients over the past decade resolve over $9 billion in unsecured debt on everything from personal loans and medical bills to credit cards and student debt. To learn more, visit nationaldebtrelief.com or call 1-800-781-5141.

With the ability to adversely impact mental health and harm relationships, debt is clearly more than just a financial burden. But there’s good news -- a majority of Americans agree that getting out of debt feels like they’re retaking control of their lives -- and there are debt resources out there to help.

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Source: StatePoint

34 | March 2022 HEALTH

African Americans Are at Higher Risk of Glaucoma: How You Can Help Protect Your Vision By d-mars.com News Provider

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hen improving your health and wellness, it's essential to take care of your eyes too.

For African Americans, this is especially important because of increased risk factors for eye disease and vision loss.

According to the American Academy of Ophthalmology, glaucoma - a disease that damages the optic nerve and causes vision loss - is three times more likely to occur in African Americans. The risks of glaucoma are magnified further when you consider that the disease strikes, on average, 10 years earlier and progresses faster among African Americans.

The good news is that with early detection and treatments, including a wide range of eye drop medications, laser treatments, and several types of incisional surgery, the majority of patients with glaucoma maintain their vision. By becoming aware of your risk factors and taking preventive steps, you can help protect your eyes.

typically covered by regular health insurance. Check with your healthcare provider for specifics on your level of coverage. In addition, EyeCare America offers medical eye exams with volunteer ophthalmologists across the U.S., often for free.

Know your your family family history history Know Some eye diseases, such as glaucoma, can be hereditary. And for African Americans, the risk of glaucoma is 20% higher if it's already in your family.

"To prioritize healthy vision, it's important to have a complete understanding of your family's history of eye disease," says Dr. Mildred M.G. Olivier, founding regional dean at the School of Medicine, Ponce Health Sciences University, St. Louis campus. "That's why I encourage African American families to not only discuss their individual history of eye disease but also ensure that everyone in the family goes for an annual eye exam."

Findinganswers answersininyour yourgenes genes Finding While the risk factors for eye disease continue to be studied, the ophthalmology community believes genetics can play a role.

"Aside from the access to care challenges that confront members of minority populations, African Americans have a range of genetic predispositions that make them more susceptible to eye diseases such as glaucoma," says Dr. Eydie Miller-Ellis, professor of clinical ophthalmology and director of the Glaucoma Service at the Scheie Eye Institute, Perelman School of Medicine at the University of Pennsylvania. "This includes an increased risk of high blood pressure, diabetes and other serious medical conditions that can also contribute to poor eye health."

Don’tdismiss dismissaalack lackofofsymptoms symptoms Don't Since glaucoma often develops without symptoms and you can lose vision without noticing it, Dr. Miller-Ellis stresses that early action is vital for African Americans to help prevent glaucoma and other eye diseases.

"The increased risk of early-onset glaucoma makes it critical for African Americans to take steps to protect their eye health at a young age," says Dr. Miller-Ellis.

"Many people are lulled into a sense of complacency when it comes to their vision because they believe they see fine. But a lot of asymptomatic disorders like glaucoma can be damaging your eyesight without you realizing it."

Schedule Schedulean aneye eyeexam exam Understanding that you are at greater risk for eye disease and vision loss is the starting point toward protecting your eyesight. Begin a routine of yearly dilated eye exams with an ophthalmologist so that vision problems can be detected early. The Glaucoma Research Foundation recommends African Americans get a comprehensive exam to check for glaucoma starting at age 35.

Novision visionplan? plan?No Noworries worries No Don't let the lack of a vision plan hold you back from scheduling a screening for glaucoma. Medical eye exams and treatments for eye diseases, including glaucoma, are

HEALTH

Unexpected Ways Kindness Improves Kids’ Health By d-mars.com News Provider

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ental health in children has been at the forefront of discussion since the start of the COVID-19 pandemic, with an October 2021 announcement by a coalition of pediatric health experts even declaring children's mental health to be in a state of national emergency. Because of this, parents are constantly looking for ways to help improve the lives of their children during these unprecedented times.

Capitalizing on the health benefits of kindness in kids may be a step in the right direction.

The Random Acts of Kindness Foundation says there are "scientifically proven benefits to being kind."

Kindness has lasting effects on physical, mental, and emotional development, making kids healthier and happier in the long run.

Physicalhealth health Physical The age-old golden rule implores people to treat others the way they want to be treated - but it is also important for people to treat themselves well, too. When parents focus on teaching their children to be kind to others and to themselves, it can mean an improvement in self-esteem and a decrease in self-harm. The self-awareness that comes from self-care helps children develop compassion and empathy, which researchers have even linked to the brain stimulation essential for learning.

Kindness is also shown to improve mood and lower blood pressure, resulting in a longer lifespan.

Mental health

Empower yourself Empower yourself Dr. Olivier also encourages people to be their own advocates in breaking down the health inequity barriers for minorities that may stand in the way of better eye health.

"It's important to ask your primary care physician to refer you to an ophthalmologist for an annual medical eye exam," says Dr. Olivier. "When you are at the eye doctor's office, make sure you are getting all the information you need and understand all of your options concerning your eyesight and any problems that arise."

Both Dr. Olivier and Dr. Miller-Ellis are working to improve access to eye care among minority populations as leaders of the Rabb-Venable Excellence in Ophthalmology Program, which supports minority medical students, residents, and fellows in ophthalmology. The Rabb-Venable program is part of the National Medical Association - Ophthalmology Section and is supported by the National Institutes of Health, National Eye Institute.

The Glaucoma Research Foundation offers a wealth of resources for African Americans to help build a plan for better eye health, including the guide "Understanding and Living with Glaucoma." This free booklet, supported by Aerie Pharmaceuticals, is available at www.glaucoma.org/booklet.

Source: BPT

Serotonin and dopamine, brain neurotransmitters associated with feelings of satisfaction, soar during and after performing an act of kindness. These feel-good endorphins can positively alter children's brain chemistry, lowering stress, anxiety, and depression, and even lowering physical pain as a natural painkiller.

According to a study featured on the Random Acts of Kindness website, "perpetually kind people have 23% less cortisol (the stress hormone) and age slower than the average population."

Social Socialhealth health Kindness builds community, something that is of high importance for childhood development as a fundamental human need. Learning how to be kind makes children friendlier and more trusting, which in turn can help them form stronger bonds and relationships. Notably, one 20-year study found that kids who showed more prosocial skills like kindness as early as kindergarten were more likely to stay in school, avoid criminal activity, avoid drug and alcohol abuse and have better mental health long-term.

Encouragingkindness kindness Encouraging "Kindness is something that can be developed over time," said Sharon Pindell, Kiddie Academy Educational Child Care training project manager. "Gestures of kindness can be a simple act like smiling or hugging, but they need to be done continuously - not just one-and-done - to truly have a lasting impact on childhood development."

Pindell, who helped develop Kiddie Academy's Character Essentials curriculum, also says that acts of kindness often build on themselves due to what is called a "helper's high" from the endorphins. "When children see others doing nice things, and the resulting positive reaction to these things, it makes them want to do something kind as well," said Pindell.

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Source: BPT

March 2022 | 35 HEALTH

Do You Have

Undiagnosed Diabetes?

By d-mars.com News Provider

D

iabetes is a chronic condition that leads to serious life-threatening complications, however, many people go undiagnosed and are undertreated -- a situation being further exposed by the COVID-19 pandemic.

For this reason, understanding risk factors, symptoms, and the importance of early diagnosis and action are essential.

More than 34 million people in the United States are affected by diabetes, and one in five of them are undiagnosed, according to estimates from Centers for Disease Control and Prevention. Health services organization Cigna reports that between January 2020 and June of 2021, nearly 800 of its patients who were diagnosed with COVID-19 were found to have undiagnosed diabetes. Only 14% of those people had previously been diagnosed with pre-diabetes.

So why are so many people living with diabetes going undiagnosed? Cigna claims data shows that those at higher risk of having social or economic obstacles to health, also had a higher risk of undiagnosed diabetes and COVID-19, which can compound problems.

“As is the case with many medical conditions, timely diagnosis and treatment of diabetes is impacted by persisting health inequities that affect certain communities and populations,” says Dr. Mandeep Brar, Cigna medical director, and board-certified endocrinologist.

“Factors such as race, ethnicity, access to healthful food, education, health care coverage and language barriers, to name a few, all contribute to undiagnosed cases of diabetes.”

However, according to Dr. Brar, early diagnosis is critical for everyone: “When diabetes is left untreated, it will progress, causing complications such as neuropathy, kidney disease, diabetic ulcers and wounds, amputations and other serious and life-threatening issues. If you’re living with diabetes, the sooner you’re aware of that, the more quickly you can learn to manage your condition and prevent it from advancing.”

According to Cigna, here are three steps everyone can take today: 1. Underst a nd signs and

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symptoms. Sharing any new symptoms with your primary care provider can be crucial in early detection and proper, timely treatment. Symptoms can include frequent urination, excessive thirst or hunger, unexpected weight loss, cuts or bruises that are slow to heal, frequent infections, very dry skin, extreme fatigue, and blurry vision, according to Dr. Brar.

2. Get screened. Schedule an annual preventive check-up or diabetes screening. Regardless of symptoms, one of the most powerful ways to detect diabetes is to be screened for this disease with a simple blood test by your primary care provider. If diagnosed with prediabetes, there are a number of lifestyle changes you can make to reverse prediabetes and prevent or delay Type 2 diabetes and other serious health problems. These changes include eating healthfully, increasing physical activity, losing weight, and managing stress.

3. Assess risk factors. Some people are more likely to develop diabetes than others. In addition to being 45 years or older, risk factors include being overweight, having a parent or sibling with Type 2 diabetes, and being physically active fewer than three times a week. Additionally, African Americans, Hispanics, Native Americans, Asian Americans, and Pacific Islanders are at higher risk than white people for developing Type 2 diabetes. If you have any of these risk factors, request a screening test with your primary care provider, regardless of your age.

For a quick, online Type 2 diabetes risk test, visit diabetes.org/risk-test.

Get savvy about the disease.

Understanding symptoms and risk factors can mean early detection and better outcomes.

Source: StatePoint

36 | March 2022

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March 2022 | 37

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38 | March 2022 FINANCE

Wells Fargo Donates $20 Million

to Strengthen Small Businesses in Houston Grant to Houston Fund for Social Justice and Economic Equity estimated to help more than 500 diverse small businesses grow donation is one of the largest we’ve made from the Open for Business Fund, and we know it will make a difference for small business owners here in Houston.”

By d-mars.com News Provider

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ells Fargo recently announced a $20 million donation to the Houston Fund for Social Justice and Economic Equity, also known as the Houston Equity Fund, to provide small business owners with new ways to grow and own more of their businesses. The Houston Equity Fund will distribute the funding in the form of grants towards the purchase of property, equipment, and other tangible assets, supporting economic development in underserved communities.

The funding is estimated to reach more than 500 small businesses in Houston.

The donation comes from Wells Fargo’s Open for Business Fund, a roughly $420 million national small business recovery effort with a focus on racially and ethnically diverse small business owners, who have been disproportionately affected by the pandemic. The fund was created from the gross processing fees that Wells Fargo received from Paycheck Protection Program loans made in 2020.

Wells Fargo has donated funds to Community Development Financial Institutions (CDFIs) and loca l nonprofits across the nation.

“Fostering an inclusive economic recovery and helping small businesses sustain themselves and grow in the wake of COVID-19 is a priority for us,” said Charlie Scharf, Wells Fargo’s CEO. “As a company, we have a commitment to make the communities where we operate stronger, and to do it at a very local level. Today’s

“Small businesses play an important role in the Houston economy and it is a benefit for our city to provide every tool needed to help them succeed,” said Houston Mayor Sylvester Turner. “This Wells Fargo grant program will allow small business owners to innovate, expand, and evolve in a way that improves their investments while also maintaining our reputation as a great place for economic development and company growth.”

“Many people from diverse communities dream of being their own boss and creating jobs for others, but those dreams seem impossible when you don’t have the basic resources or information to support your business,” said Diana Rosas, owner of Que Bonito Mexican and Fashion, who benefited from a women entrepreneurs program at the Houston Community College Foundation, a previous Open for Business Fund grantee. “The Open for Business Fund helped me gain knowledge to strengthen my business model, develop better money management skills, and enhance my marketing strategy.

It was a blessing. I have the confidence to go to the next level.”

With the donation, The Houston Equity Fund aims to equip

small business owners a nd non profits with c apit a l to purchase commercial p r o p e r t y, equipment, and technology upgrades, particularly in underserved communities. For more information, visit www.houstonequityfund.com.

“The Houston Equity Fund is committed to bridging the gap in economic equity while simultaneously infusing hope into the business trajectory of underrepresented and under-resourced small businesses and nonprofits,” said Thomas Jones, Houston Equity Fund’s Board President. “We are honored to work with Wells Fargo to make an impactful and transformational change for minority-owned small businesses and nonprofit organizations across our city.”

Wells Fargo’s Open for Business Fund has previously supported Houston small businesses through grants to LiftFund and the Houston Community College Foundation, and other local grants enabled nonprofits such as the University of Houston Foundation, Texas Black Expo, Impact Hub Houston, and the Association for the Advancement of Mexican Americans to serve entrepreneurs.

Open for Business Fund grantees are estimated to reach more than 152,000 small business owners nationally and will help entrepreneurs maintain an estimated 255,000 jobs. Roughly 85% of small businesses served by grantees are Black, African American, Hispanic, Asian American, and Native American small business owners.

Wells Fargo also offers a Small Business Resource Center where entrepreneurs can explore business planning, financing considerations, and practical advice.

For more information, please visit www.wellsfargo.com.

Source: Wells Fargo

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March 2022 | 39 FINANCE

Minority Equality Opportunities Acquisition Inc.

Rings Closing Bell at Nasdaq

By NNPA Newswire

M

EOA's management team, led by Chairman and CEO Mr. Shawn Rochester and CFO Ms. Robin Watkins, was joined on stage by corporate directors, Mr. Ronald Busby, president and CEO, U.S. Black Chamber, Inc., and Patrick Linehan, Partner, the Steptoe Law Firm. Dr. Julianne Malveaux, also an MEOA director and Dean, College of Ethnic Studies, Cal State Los Angeles, was not in attendance.

Other MEOA guests included minority-women business owners Ms. Stephanie Frederic of Los Angeles, California and Ms. Alicia Taylor of Las Vegas, Nevada; Ms. Tyler Baylor of New York, a millennial business leader, and aspiring entrepreneur; Ms. Patricia Trompeter of Ceres Capital Ventures, LLC, Mr. Stewart Kim of PGP Capital, LLC, Mr. Craig Vaughan of Vaughan Capital Advisors, LLC, Mr. Michael Campoli of Pryor Cashman LLP, and Mr. Jarvis Stewart of HP Global Advisors LLC. "We cannot thank Nasdaq enough for their gracious invitation to participate in Tuesday's closing bell ceremonies," said Shawn Rochester, MEOA Chairman, and CEO. "Like Nasdaq, we’re committed to partnering with companies that have a deep commitment to diverse and inclusive representation on their boards and leadership teams, all while driving growth for shareholders. We’re excited to have them as partners on this journey.”

Photo Caption: MEOA’s management team, led by Chairman and CEO Mr. Shawn Rochester and CFO Ms. Robin Watkins, was joined on stage by corporate directors, Mr. Ronald Busby, president and CEO, U.S. Black Chamber, Inc., and Patrick Linehan, Partner, the Steptoe Law Firm.

Forward-Looking Forward-LookingStatement StatementDisclaimer Disclaimer This press release contains statements that constitute “forward-looking statements,” including with respect to the Company’s search for an initial business combination.

Forward-looking statements are subject to numerous conditions, many of which are beyond the control of the Company, including those set forth in the Risk Factors section of the Company’s registration statement

and final prospectus for the IPO filed with the SEC. Copies are available on the SEC's website, www.sec. gov. The Company undertakes no obligation to update these statements for revisions or changes after the date of this release, except as required by law.

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Source: National Newspaper Publishers Association

40 | March 2022 FINANCE

How the Guarantees of Whole Life Insurance Can Help Secure

Your Financial Future By d-mars.com News Provider

T

his year, many people are making financial wellness resolutions. From budgeting better to saving for a big-ticket item or investing more income into a 401(k), there are plenty of financial goals to choose from. However, one that you've likely overlooked is whole life insurance.

According to the American Council of Life Insurers, 90 million families in the U.S. rely on life insurance policies for financial and retirement security. In addition to protecting dependents from financial hardship if the policyholder dies, many policies also accumulate savings that can be used to cover needs beyond funeral expenses.

Whole life insurance provides financial protection for as long as the insured policyholder lives. A whole life insurance policy, like that offered by Boston Mutual Life Insurance Company, is a type of permanent life insurance that accumulates value throughout your life.

Benefits of whole life insurance There are three main benefits of investing in a whole life insurance policy.

1. Guaranteed cash value Unlike term life insurance, whole life insurance accumulates a cash value that you can dip into during your life if a financial need arises. More importantly, as long as you pay your premiums, the cost of your policy will not increase, and the face amount and the interest rate are guaranteed.

To access the value of the account, you essentially take a taxable withdrawal or tax-free loan you can payback.

You can use the money as needed - such as to buy a car or put a down payment on a house. Even if you never access the cash value during your lifetime, it will act as a safety net that can be used in financial emergencies.

Whole life insurance can also supplement your existing retirement accounts, like your 401(k) or IRA account, helping you enjoy your golden years.

2. You own the policy The policyholder owns their whole life policies for themselves and their family members, not their employer. If the person who holds the policy changes jobs or retires, they can take their policy with them and pay their premiums directly to the insurance carrier.

3. Support loved ones Whole life insurance is guaranteed coverage for your whole life and can help support your beneficiaries.

Depending on the size of your chosen policy, your life insurance policy can help set beneficiaries up for success and financial security by contributing toward college tuition, a home mortgage, or shortterm expenses such as funeral costs.

Also, life insurance payouts are not considered taxable income.

If you pass while your coverage is in effect, your beneficiaries do not have to report the death benefit on tax returns.

Boston Mutual Life Insurance Company's whole life insurance policy allows you to choose the amount of insurance or premium that best suits your needs and budget. Other benefits include: • Family coverage. Family coverage is available to cover spouses, children, and grandchildren.

• Guaranteed premiums. As long as you pay your premiums, the cost of your life insurance policy will not increase.

• Portability. If your employment changes or you retire, you can keep the coverage and pay your premiums directly to Boston Mutual.

Invest in your and your family's peace of mind. To learn more about life insurance products to fit your needs, visit BostonMutual.com.

Source: BPT

FINANCE

4 Steps To Reach Your Saving Goals By d-mars.com News Provider

W

hether you're planning for a short-term goal (e.g., emergency fund, home project) or a long-term goal (e.g., retirement), planning can help you succeed.

"It's never too late to start making savings a priority.

We want to help our members meet their short- and long-term goals, and there are several ways they can get started," said Jaspreet Chawla, Senior Vice President of Savings Products at Navy Federal Credit Union.

1. Make SMART goals A SMART goal can help you make a plan you can achieve. It can help you focus on what it will take to reach your goal and make a plan that's doable. SMART stands for Specific, Measurable, Attainable, Relevant, and Timely. So, whether you're saving for a new phone or a down payment on a house, make your goal specific, set a deadline, decide what it will take to reach it, and then make sure it's realistic.

2. Find ways to make small changes The next step in your plan should be to look at how much you can afford to save and if there are expenses you might be able to cut.

For example, are there subscriptions or streaming services you don't use? Can you ask insurers, or services like internet or phone providers, for a discount on your plan? If you make small changes gradually, you'll be more likely to stick to your plan.

Keep in mind, cutting back on certain expenses doesn't have to be forever - you can choose some for a temporary break.

3. Separate and automate your savings It can be easier to see your progress if you set up two accounts: a checking account for regular bills like rent, student loans, and car payments and another account for everything else.

Once you've decided what you can afford to save, consider setting up an automatic transfer. You'll only have to do it once and then your savings will grow automatically.

"This is a guaranteed way to boost your savings," explained Chawla. "If you have direct deposit, consider sending a set amount into your savings each pay cycle.

This way you'll be consistently saving without even thinking about it."

4. Earn more on your money If you're looking at short-term savings goals (e.g., a dream vacation), you might want to consider putting your money into a certificate account. In general, certificates typically earn higher dividends than regular savings accounts, so you may reach your goal even sooner than you expected.

"By making small, habitual changes over time, you will set yourself up for success - it's never too late to start," added Chawla.

The best time to start building your future is now.

Making SMART goals can help make saving more doable.

Navy Federal is federally insured by NCUA. Source: BPT

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March 2022 | 41

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42 | March 2022 REAL ESTATE

Buying Your First Home:

What You Should Know By d-mars.com News Provider

M

he housing market has exploded since 2020. The pandemic fueled a house-buying frenzy with remote work and leaving large urban areas to live in different parts of the country is becoming more mainstream. According to the National Association of Realtors, 31% of all home purchases since 2020 have been made by first-time home buyers.

"Buying your first home is an emotional experience," said Bonnie Lee, Mercury Insurance Vice President of Property Claims. "And while the first few weeks are filled with the excitement of all the things you can do now that you have your own place, it's always good to be prepared and protect your new investment if disaster strikes."

Whether you've just purchased your first home or purchased a home in a different part of the country, homeownership is a big commitment. As a new homeowner, you have to prepare for everything from routine maintenance to possible damage from a storm, fire, or vandalism. It can sound overwhelming, but with a bit of planning, developing good homeowner habits will keep your home in top shape for years to come.

Renovations. Renovating is one of the first things homeowners look forward to doing with their new home and one of the most popular renovations lately have been home offices. "Homeowners who were able to move during the pandemic and work from home are looking to

transform part of their living space into a dedicated professional workspace," said Lee. "Converting small rooms or bedrooms into a home office not only maintains the homeowners' work-life balance, but it may also give their home a financial boost by offering this popular feature should they sell their home in the future."

Homeowners should discuss any intended business activity from their home with their insurance agent as most homeowners' policies exclude or limit coverage for business-related activity and business property.

Another popular renovation is the conversion of outdoor spaces into areas for hosting gatherings. Shade structures and areas where people can entertain larger groups have become a big trend for 2022.

"No matter what type of renovation you're interested in, it's important to be prepared before diving headfirst into any large project," said Lee. Make sure the renovations you are about to do are realistic and reasonable for both your home and your budget. Determine which renovations can be done by yourself and those where you would need to hire a professional. Review any large home renovations you have in mind such as a bedroom conversion to office remodel

or swimming pool installation with your insurance agent as well. If not, there could be gaps in your existing coverage that may not protect your new renovations if an emergency causes extensive damage.

Maintenance is key. Proper home maintenance is essential to keep your home from

deterioration due to neglect. For example, roof leaks caused by severe weather would be covered by your insurance. However, roof leaks due to lack of maintenance, age, or standard wear would not. It's important to conduct regular inspections of your entire home throughout the year to help prevent major damage from happening.

Take stock of where you are and what you own. This recent boom of homeownership not only saw an increase in firsttime buyers, but also

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a migration of people moving to new and different parts of the country. Just like new homeowners, those who've moved from one geographic area to another may not be aware of the severe weather or what the outdoor elements can bring to that part of the country.

Natural events such as flooding due to severe weather in the Midwest and East Coast are some of the most common home disasters that cause billions of dollars in property damage every year. The West Coast is no exception to natural disasters, with the threat of earthquakes and wildfires.

Homeowners must be aware of the perils that can impact their new homes as well as the type of homeowners insurance policy needed. For example, damages caused by an earthquake or storm flooding are not covered by a standard homeowners policy. Homeowners may want to consider adding such additional coverages to their policy.

Whether it's your first home or a new home in a new state, homeownership is a major milestone. Make sure to review your policy coverages and speak to a local insurance agent if you've recently moved or are thinking of making any renovations to your home.

Source: BPT

March 2022 | 43

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44 | March 2022 REAL ESTATE

Growth of Technology

Makes It Even More Important To Use a Realtor By d-mars.com News Provider

I

n one sense, technology has made real estate more accessible for both buyers and sellers. And yet, while everyone can see detailed property records on their phones or computer within seconds, not everyone can be a negotiator, price setter, or resource. Homebuyers and sellers can have difficulty navigating the expanse of information available, leaving many unsure how best to use this data to their respective advantage.

"Technology will continue to improve and, in some cases, automate some aspects of the search and transaction," NAR CEO Bob Goldberg said. "However, the widespread proliferation of realestate technology, resources, and information often leaves consumers feeling overloaded and overwhelmed."

Bringing in an expert with a deep knowledge of the home buying process and marketplace is the most effective way for a homebuyer to ensure, for example, they can win a bidding war without overpaying for a home.

In a 2020 study conducted by the National Association

of REALTORS® (NAR), more than 50% of buyers said agents helped them collect more valuable information from online listings than buyers could have uncovered on their own - saving time, money and stress.

According to NAR, 87% of buyers purchased their home through a real estate agent or broker, a share that has steadily increased from 69% in 2001. Similarly, home sellers can benefit from an agent's support in effectively pricing and marketing their homes. And while the human element will always be an important part of real estate, that doesn't mean tech isn't changing how that relationship works.

"Real estate is local and, in most cases, hyper-local," Goldberg said. "While buyers and sellers may have some understanding of the market, REALTORS® bring the experience, expertise, and market intelligence that cannot be found from online sources."

There's substantial opportunity to integrate new technology into the buying and selling process, and real estate agents embrace these trends. Sellers and their agents now have the option to give up the traditional office environment and go fully virtual when they meet to discuss marketing strategies

and review paperwork. Drone photography now provides an added glimpse into a home. And virtual tours give prospective buyers from all over the world a chance to view a property.

One example of how technology is making the buying and selling process easier is through the use of electronic signatures. For 20 years, NAR has supported efforts to legalize eSignature broadly and in particular for the real estate industry. Today, DocuSign is one of the most well-known eSignature tools and empowers agents to better serve buyers and sellers by getting transactions done quicker and easier.

Technology today has provided consumers with access to more information than ever before, and for real estate agents, access to technology products and services enables a higher level of customer service. And in the process, consumers get the best of both worlds: Technology at their fingertips to get them started and real estate agents making sense of all that information and other technology to help people make the right choice about where to start a family, raise their children and build lifelong community.

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Source: BPT

March 2022 | 45 REAL ESTATE

What To Know

When Selling a Home With Pets

By Marla Lewis President of the Houston Black Real Estate Association

I

f you are a pet owner, when you decide to put your house on the market, you need to do some serious house cleaning and repair work before you can command a competitive price.

You want buyers to be able to picture themselves in your home. This means giving them the space to envision living there, a space that is free from too many personal things. That includes pets and their toys. So how do you go about selling your property when you have pets? Here are some general tips that may or may not apply to your particular situation.

One important thing to keep in mind is that your animal has its own needs, needs that are best discussed with your veterinarian. Talk to him or her about what you plan on doing and how it will work with your specific pet or pets. This is especially important when your pet is older and may not adjust well to change.

Selling a home can be just as stressful for the pet as the homeowner.

Temporarily relocating the pets may or may not be something you are willing to do, but it is easier to show-and-sell your home (and keep it clean) if your pets are away when buyers arrive. If you have a friend or family member that you trust with Fido, it will give you the chance to eliminate all the signs of having a pet in the house and prevent the pet from causing further issues. Some folks consider the presence of a pet a turn-off when shopping for a house.

When selling a home with pets, at the very least, you should remove them from your home while showing the property.

All the cute things your dog does will not help you sell your home and only serve to remind the potential buyer that pets have lived there.

Ideally, you should have your Realtor show the home while you and your pet are away. Having a pet in the house or yard can create complications for your Realtor during a showing, and puts your pet at risk of accidentally running away. There are also liability issues at stake. While your dog or cat may generally be friendly, they could potentially be hostile toward people they don’t recognize.

It may not always be possible to remove a pet from a home. In this case, your next best option is to put them in a contained space and let a buyer and their Realtor know ahead of time or buy a pet crate to house them. Your pet may not be accustomed to this, and while you love treating your animals like one of the family, sometimes this is what it takes when selling your home.

As much as we love our pets, they are still animals and pet damage is never attractive when selling a home. Dogs and cats will inevitably destroy something—carpets, Experience Our World of Advertising, Marketing, Media and Communication

furniture, hardwood flooring, walls, doors, turf in your yard, and fencing.

This damage should be repaired before showing the home. This may require some investment on your part. Regardless of repair costs, the value you will get for your house will be worth the expense.

While it is possible to get used to pet smells over time, new visitors to your home will likely notice the smells right away.

This is something you want to avoid. In fact, this may be the single most important tip for selling a home with pets.

Our sense of smell has a powerful effect on our emotions, memory, and perceptions of things. An initial urine odor upon entering a house is sure to stick in the buyer’s mind, and he or she will likely deduct the cost of carpet replacement immediately from an offer as a result. A strong odor is in fact one of the top reasons a buyer will pass on a home.

Have your carpet and flooring professionally cleaned, with a focus on removing pet odors. If the stains or odors are too bad, you may need to replace the damaged carpet.

Pick up messes in the back yard and have any missing or damaged sod replaced and any other repairs made.

You may pick up after your pet regularly or have a cat that causes very little impact to your yard. However, many homeowners give their pets free reign of the yard. This is a great life for dogs and cats but can undermine the appearance of your lawn. The yard is just as important to some buyers as the interior of the home.

You want buyers to be as unaware of your pets as possible. If they ask the question, you must answer honestly. However, you can often avoid this topic altogether by taking necessary steps like those listed above. In addition, put away pet toys, bedding, litter boxes, and food, preferably at a location other than your home.

Some Realtors even recommend removing photos in which your pet appears and making sure the animal does not show up in marketing materials for your home. Like other forms of home staging, removing extra pet clutter is important when selling your property.

Selling a home with pets takes work, but is worth it in the long run. You may do all of these things and still have buyers inquire about pets. Sometimes it’s impossible to hide all the evidence and sometimes they ask anyway. Even if this happens, you have still done everything necessary to return your house to its appearance before you had a pet.

For more information about Texas real estate, please visit HAR. com. And for more information on the Houston Black Real Estate Association, please visit hbreahouston.org.

Source: Houston Association of Realtors —distributed by the Houston Association of Realtors

46 | March 2022 REAL ESTATE

Facing Financial Hardship?

Tips To Avoid

Foreclosure By d-mars.com News Provider

L

ife’s unexpected challenges can make meeting monthly mortgage payments difficult. The good news? Help is available to avoid foreclosure.

Indeed, Freddie Mac has completed more than 255,000 foreclosure prevention actions in 2021, according to the Federal Housing Finance Agency. Whether you’re currently behind on payments or foresee trouble ahead, Freddie Mac advises taking the following steps as quickly as possible to get back on track:

AssessYour YourSituation Situation Assess Whether it’s due to unemployment, illness, natural disaster or other reasons, identifying the cause of your financial hardship and anticipating its duration are important. These factors can help determine the best solution for you. (A short-term hardship is over within 12 months. A long-term hardship extends beyond 12 months.)

Contact ContactYour YourServicer Servicer Your servicer — the company where you send mortgage payments — is your best resource throughout the process. They will provide you with the available mortgage relief options based on your particular situation, which typically begins with being placed in a temporary

forbearance program. Remember, your servicer is there to help. If you think you’re going to have trouble paying your mortgage, don’t wait. Call them immediately! And if you’re already behind on your mortgage or currently in a workout option, respond to their outreach efforts to keep an open dialogue going throughout the process.

Know KnowYour YourOptions Options No matter where you stand, there are solutions.

Here are some to consider: • Forbearance is an agreement between you and your loan servicer that either pauses or reduces monthly mortgage payments for a limited time. Consider forbearance if you’re currently unable to make payments but think you’ll be able to resume soon.

• With payment deferral, missed mortgage payments move to the end of your loan term, but your monthly mortgage payment amount stays the same. Consider payment deferral if your hardship is resolved but you’re unable to repay missed mortgage payments as a lump sum or by increasing monthly payments. Freddie Mac Flex Modification, for example, provides up to a 20% mortgage payment reduction that permanently changes one or more of the original terms of your mortgage, such as the interest rate and mortgage term. Ask your loan servicer whether this may be an option for you.

• A repayment plan increases mortgage payments for a short period to make up for missed payments. Plans must be longer than one month but no longer than 12 months. Consider this option if you can afford your regular monthly payment, plus a little more, for a short period.

• With partial reinstatement, you pay a portion of missed mortgage payments as a lump sum. To pay off the rest, your loan servicer works with you to create a repayment plan.

• With full reinstatement, you pay the total owed

mortgage payments as a lump sum, making your mortgage current. This is a good choice if you can afford it.

• Refinancing your mortgage lowers your interest rate or replaces an adjustable-rate mortgage with a more affordable fixed-rate mortgage. This is a good choice if you’re current on payments but would benefit from reduced payments in the future. This year, more than 600,000 homeowners with a Freddie Mac-backed mortgage refinanced into a more affordable loan.

• COVID-19 relief is offered by many loan servicers to those struggling due to the pandemic.

• Of course, if homeownership is no longer affordable or desirable, there are options too. Short sale and deed-inlieu, for example, can help you exit your home without facing the costs associated with the foreclosure.

For more homeowner resources, visit My Home by Freddie Mac at myhome.freddiemac.com.

If you’re struggling to make mortgage payments, take action quickly. Doing so can help you prevent foreclosure and stay in your home.

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Source: StatePoint

March 2022 | 47

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