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Inspire, Inform & Educate
October 2009
Edition
Making the right choice ! Dr. Davetta Daniels For City Council At-Large Position 5
Wanda Adams for City Council, District D
“Your life is the sum result of all the choices you make.”
Otis Jordan
for City Councilmen, District D
Jolanda “Jo” Jones for Houston City Council At-Large Position 5
Velma Laws & MR. D-MARS
Robert F. Bennett (left to right) MR. D-MARS & Sr. Pastor Reginald DeVaughn
Robert “Bob” McNeil Larmm Corporation
John Hurley, Marily Hall & Mark Struthers Sanford Brown Institute
See Pg. 11
Dr. Jacqueline H. Cobbin Divine Closet
Kesler “Titus” Fretty Titus Artworks
See Pg. 5
Dr. Olufunke Odetunde Family Practice
Roslyn “Rozzy” Shorter for Houston City Council At-Large Position 2
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Publisher’s Message
Keith J. Davis, Sr. SR. PUBLISHER Keith J. Davis, Sr. JR. PUBLISHER Keith J. Davis, Jr. VICE PRESIDENT Kevin Davis EDITING CONSULTANT ReShonda Tate-Billingsley ADMINISTRATIVE ASSISTANT Joi Terez Coleman EXECUTIVE ASSISTANT Heather Haukaas ACCOUNTING MANAGER Eugenie Doualla PHOTOGRAPHY Leon Galbreath MARKETING CONSULTANTS Lenore Benoit Johnny Ray Davis, Jr. MULTIMEDIA DIRECTOR Andrea Hennekes LAYOUT & GRAPHIC DESIGNERS Ghuzzala Malik (Faith) Myron Davis DISTRIBUTION Booker T. Davis, Jr. Rockie Hayden CONTRIBUTING WRITERS Carla Lane Dr. Bernadette L. Thomas Veronica Douglas, CPPB Dr. Ka-Ron Wade, D.D.S. Tasha Bowen Christina Robinson Grochett Robert “Bob” McNeil Charlotte Jackson Dr. D.L.Jones Elvia Lynn Valdez Heather Haukaas Rachel Bishop Victor D. Walker CPA, JD Trustee Bruce Austin Diedria B. Joseph Schultz & Schultz Ron Reynolds
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Growing up, my mom used to always tell me that life was about choices. While I knew that she was spewing her motherly wisdom, the bottom line was that she was correct. Every day we’re faced with a choice that can forever determine the outcome of our endeavors. We all face a myriad of choices in our careers. We each have the ability to take initiative and make the right choice to live a more creative, passionate, effective, and productive life. Making the right choice begins with taking ownership of our work environment and creating a foundation of opportunity and positive support. We can choose to be patient, supportive, and more flexible to change. We can choose to have fun in the workplace and still be productive. Wherever your journey may take you will be determined by the path you choose. The choice is yours. That’s why I wanted to take this edition and devote it to making the right choice. Once again, we have some wonderful articles to help guide you on your path to do what’s right for you. It is my hope that by the time you have perused the pages, analyzed the articles and digested each document, you will know what goes into making the right choice to live a better, more prosperous life both personally and professionally. This issue, as always, is stockpiled with information that will help you whether you’re considering starting a business or just looking for ways to thrive. There are also articles to help you if your business is struggling in the quest for success, or if you think you’ve reached your pinnacle. You can always expand and grow and the time to do that is now! That’s the only real choice there is.
CONTENTS Issuing a Challenge………………………………….........................……..4 One on One with Mrs. Velma J. Laws………………….......................….5 Gene Locke for Mayor……………………………….........................……11 Otis Jordan………………………………………………...........................12 Ask Carla Lane………………………………………….........................…13 Parental Involvement at School………………………….....................…14 The Power of Information in Decision Making……………....................14 Making the Choice for Online Education………………….....................17 Health is the New Money…………………………………....................…18 Check it Once, Check it Twice…………………………..........................18 For Goodness Sakes: Make a Decision……………………...................25 Making it Stick… Making the Right Choices……………...................…25 When the Best Choices is to Throw in the Towel…………...................25 4 Ways to beat our Slumping Economy……………………...................26 5 Pitfalls to Avoid in Retirement…………………....................………….27 When the Right Choice is a Hard Choice………………….................…30 Knowing where you want to go……………………………......................36
MR. D-MARS D-MARS.com Business Journal Tip of the Month “Your life is the sum result of all the choices you make.”
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7322 Southwest Fwy, Suite 806 Houston, Texas 77074 713-272-9511 . Phone 713-272-6364 . Fax 1-800-453-8752 . Toll Free www.d-mars.com 3.
Silverlake Pastor pushes other to make the right choice not have been discovered in the first 10 for you. You have to think positive and years of your life. So you could be laid you’ve got to step out on faith.” off of work after 15 to 20 years. But you Silverlake Church still have to look at the glass as half full 1865 Cullen Pkwy instead of half empty. If God allowed Pearland, TX 77581 the door to close, He has a better one www.silverlakechurch.net
Sr. Pastor Reginald DeVaughn
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rowing up in Sunnyside, Pastor Reginald DeVaughn knew all too well where a wrong choice could take him. “My upbringing was orchestrated by God. He put the vision and the desire in my heart. At the same time, my parents guided me, but making the right choice wasn’t always easy. Being young, even in today’s time, we didn’t want to hear what was really good for us. What my parents allowed and didn’t allow me to do, played a very important role as to where I am today.” As senior pastor of the 6,000-member Silverlake Church in Pearland, Pastor Reggie – as he’s known to the people in the community - strives to make a difference in his community by reaching young people early. “When I first started the church, I knew there was the need in that community. I felt a strong desire to come out of their communities to educate young people to prevent them from making wrong choices,” Pastor Reggie said. “Of course, we have the power to step in and fix things that are wrong but I am the type of person that would prefer to prevent it from happening.” Pastor Reggie goes out into the community to try and directly reach the young people. “My goal was to go out to that community and minister to those families. A child who hears you, will obey you if they can trust you. So I don’t have a typical neighborhood ministry. What I am trying to do is prevention. I can teach them the right way to go. So my overall goal is to cater and zero in to the young people and show them how they can make right decisions, godly decisions that will affect them as they grow older,” he said. october 2009
Pastor Reggie is hoping his efforts can inspire others – business owners, community leaders, and athletes – to get involved in the lives of young people. “I’m challenging the business leaders of today to not only have your product or service that you offer, but also allow the young people to see black people doing good things. “I personally feel like I am where I am today because I made the right decision to do things the right way. Being a mentor is the responsibility of everyone (not just in church). It shows that you can drive an Escalade in a right, lawful way. You could have a three, four bedroom home and do it the right way. Mentors can run businesses the way they should be run and then bring young people in to show them. And it’s a way of giving back to the community and it challenges all to make the right choice to be a leader in the community. “ But Pastor Reggie doesn’t lay all the responsibility on the community and church. The first steps, he says, begin at home.. “Its simply called Tough love. You gotta make tough decisions based on the love you have for your child,” he said.” Invest in your child, giving him guidance, praise when he does something right. Not only correct the bad but encourage the good.” His advice has already proven beneficial for young and old. Young people are inspired to make the right choice and pursue their passions and business owners and community leaders are finding themselves rededicated and rejuvenated thanks to his passionate advice. “I try to tell everyone just remember, all things work together for the good of those who love God. There is a purpose in everyone’s lives and that purpose may www.
Mr. D-MARS, Sr. Pastor Reginald DeVaughn & Brother D-MARS
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A: Certification is only the first step. I wish I could say, “Yeah, get certified, get a contract, get work” but it does not work that way. Once you get certified you need to understand how the entity you want to do business with operates. That is what we do. We do a lot of ‘how to do business with the city’ workshops. These workshops empower business owners with information on where to direct their efforts with the city, how to hook up with other government entities, and the location of events that allow them to build relationships with the decision makers of those entities. Once certification is obtained, it is time to really start marketing to individuals in those entities who could use your products or services.
Director of Affirmative Action and Contract Compliance for the Mayor’s Office.
Velma Laws, MR. D-MARS & Brother D-MARS
The majority of U.S. businesses are small businesses, and minority and women-owned firms are two of the fastest growing sectors of the small business community. However, these entrepreneurs still face several discouraging trends: these businesses are more likely to fail, have lower levels of sales, profits, and employment, and have more problems acquiring capital. So how can minority and women-owned business find success amongst these odds? Luckily, the City of Houston’s Mayor’s office established the Affirmative Action and Contract Compliance department. The mission of this department is “to provide quality certification, compliance, business development, and training programs, while maintaining high standards of customer service and accountability.” Velma Laws, director of this extraordinary department, stopped by the desk of Mr. D-mars to share her knowledge about the department and the benefits minority and women owned businesses (MWOB) receive through certification with the city. Q: Why is it important to be certified with the city? A: Certification is important because a lot of organizations here locally are government entities like the city, HISD, local universities, metro, etc. have initiatives to include small and MWOB in their contract. In order for them to know who is a MWOB it is important for those companies to go through the certification process. That way, not only can they identify the companies that have been certified as minority and women owned businesses, they can also october 2009
track the dollars that they spend with those companies. Q: When a business is able to show that they are certified, does that provide confidence to those seeking the businesses services? A: Yes. The way that organizations like the city operate is that certain contracts have goals attached to them for minority and women owned businesses. In order for a minority and women owned business to participate they have to be certified. I know of companies that have gotten opportunities to do work with the city simply because they are certified. Organizations have told me that if they did not have certification then the likelihood of them getting work would have decreased tremendously. Q: How easy is it to become certified? How much confidence do you have in that process? A: It is not a simple process. The tough part is only at the beginning due to the amount of documentation that you have to submit with your application. The legal structure of your business determines what documents you have to submit- more complex the legal structure the more documents. The solace in that is that we have to read everything you submit because those are the documents that help us determine if your company meets the criteria as a legitimate MWOB. So yes there is a lot of confidence in that process.
Q: Have there been payment issues between contractors? If so, what are you guys doing to prevent that?
A: Payment issues are always at the forefront of small business owner’s experience. Now if they are working directly for the city they shouldn’t be having a problem of getting paid from the city. If they are working for a prime contractor and they are having trouble getting paid they can call us at 713.837.9000. We have a person on staff whose job it is to intervene for companies that are having any kind of difficulty on their contract. If they are having payment issues we will bring them in and meet with them. We have certified mediators on staff to do Q: When you apply for contracts they mediation. We have recovered over one can find all the contracts and bids on million dollars in payment disputes for your website. How important is it for MWOB. them to go to your website and register? Q: Is there anything that you want A: The city does business in a lot of difto close with that business owners ferent ways because we have different should know? types of contracts, whether its construction, engineering, or buying goods or A: Yes. There are a number of valuable services. Unfortunately, at this time we resources in this area to help small busidon’t have everything on one page but nesses. There are some that are available you can go to the strategic purchasing from our website at www.houstontx.gov. site to find out all the bids that are open. If you click on departments and affirYou can check in the chronicle and the mative action we have some documents Houston Business Journal to find out that are excellent resource documents. the large construction projects that are We have numerous sources to assist being awarded or advertised. Go to sites businesses. For instance, the business within the city. We are currently build- resource guide has contact information ing a page on our site that will direct you on every local program that is here to to the different areas where contracts are help women and minority owned busiposted depending on what type of op- nesses. We have financial resources, othportunity you are looking for. The city er small business resources, community is huge so there are lots of different types organizations and professional organiof activity going on all the time. Also, if zations. Another document is the city you get certified with us we will e-mail contracting guide, which has contact you contract opportunity information information for every city department. as well. If you register as a vendor with We strongly encourage people to go to the city through the strategic purchas- our website, everything is free. To us it is ing website they will put you in the e not only important to get the company bidding system. Thus, if the city has any certified but to also help them grow by bids for the product or service you offer identifying what their needs are, what you will get that notification by e-mail barriers they are having, and addressing as well. those issues. Q: How do people avoid becoming discouraged in 30 days, 60 days, etc. when opportunities are taking longer than expected? How long does it usually take for a business to get into the system?
A: It really takes some planning to position yourself to do business with a city or a company or any entity that is large. Even more importantly, you have to hang in there and persevere because it does not happen overnight. I have had business owners that have been certified Q: How important is it for those for a while and nothing happened so small businesses that are certified to they dropped out of the directory and get information about their company soon after, here comes opportunity for out there? www.
them. It is really important to hang in there and keep at it.
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Affirmative Action Facts In Fiscal Year 2009, • Over $222.6 million has been awarded to certified S/MWDBE through April, 18.6% of the $1.19 billion awarded by the City. • Over 200 contracting opportunity/outreach notices have been emailed to S/MWDBEs • 204 certification applications have been processed, with an 88.7% approval rate • Over 60,000 monitoring letters, emails, and faxes have been sent to strengthen MWBE monitoring and compliance efforts.
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fell in love with Houston as a young man, when I arrived more than 40 years ago from East Texas with only $20 in my pocket. While a student at the University of Houston, I also worked as a community organizer fighting for civil rights, equal opportunity and community empowerment. By the time I decided to go to law school, I was married and had a child to support. I worked my way through law school, while doing shift work at the
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Armco Plant and then the Shell Oil refinery. After receiving my law degree, I went to work for Congressman Mickey Leland as his Chief of Staff in Washington, D.C. I returned to Houston to start my own law firm. In 1995, I served as City Attorney during Mayor Bob Lanier’s administration, where I was able to negotiate contracts to revitalize Houston, provide new housing opportunities, and defend Houston’s successful affirmative action program and protect neighborhoods. I also led negotiations and development of Minute Maid Park, Reliant Stadium and the Toyota Center. I now serve as a partner at the law firm Andrews Kurth LLP where I represent both public and private interests. My public clients include the Metropolitan Transit Authority (METRO) and the
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Port of Houston Authority. But my commitment to Houston reaches beyond my career achievements. I have lived a life of service from my days as a community organizer in the late 60’s where I helped launch the S.H.A.P.E. and H.O.P.E. Centers. But one of my proudest moments came more recently, when I was asked to chair the Houston Katrina Rita Fund. The work this group did to help our region recover those two devastating storms was truly amazing. Despite all of my accomplishments and awards, the foundation for my life is my family: my wife, Aubrey Sampson Locke; my five children, daughters: Tembi and Attica; sons, Nicholas, Douglas and Thomas and my grandchildren Zoela and Clara. I want your vote to become Houston’s next mayor because I believe my diversity of government, business and
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personal experiences make me uniquely qualified to lead our city. I have seen Houston from many angles: as a civil rights activist; a steel worker; a Union member; a small business owner; a homeowner, the City Attorney, a partner in a large law firm, and as a father. I am ready to use these experiences to ensure that Houston remains the “City of Opportunity” it was when I arrived decades ago. I have a business plan for the city, so we can continue to create jobs. For the city to continue to move in the right direction, we need a mayor who will keep Houston safe and secure. I will work for an improved quality of life focusing on public safety and economic progress. This includes bringing essential services to all areas of the city, expanding affordable housing and encouraging small business development in historically underserved neighborhoods. Everyone must have a stake in our city’s future; everyone must feel like this city serves them; so I will work hard to make sure there is inclusion in city government for all communities. I will commit to diversity and opportunity, while working for a better future for Houston.
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Otis Jordan has been and continues to remain a tireless worker in Houston area for over 30 years. As a dedicated public servant, community leader, human rights activist and veteran he has dutifully served the citizens of Houston. He has served his community, this country and this city with unending dedication and commitment.
DEEPLY ROOTED HOUSTON VALUES: Otis is proud graduate of Ross Sterling High School where he lettered in football and graduated in 1973. He continued his educational pursuit and attended Texas Christian University as a student athlete and obtained his Bachelors degree in 1978. Upon graduating from college, Otis felt the need to serve his country and enlisted in the United States Army Reserve where he was mechanized infantry officer. Being the natural leader that he is, Otis quickly excelled in the USAR and was promoted to Captain in 1985 before being honorably discharged. While continuing to serve his country in the military, Otis sought to serve his community and city he so dearly loves. In April 1979, Otis joined the Houston Fire Department where he has been a dedicated public servant for over 30 years. Just as he did in the USAR he quickly grasped the duties of HFD and was promoted to Captain in 1994. Otis served as one of 400 Captains in the Houston Fire Department of which only 22 are African American. As a member of the Houston Fire Department, he also served as the President of the Houston Black october 2009
Fire Fighter Association for the last 9 years. In that capacity, Otis was responsible for ensuring workplace equality, union parity, basic human rights, and he has served as a catalyst for greater cultural diversity in the Houston Fire Department. He has tirelessly fought for diversity and inclusiveness in recruitment, promotions and fairness for all fire department employees and applicants. Otis has also been at the forefront of race and gender issues in the Houston Fire Department and was instrumental in exposing the ongoing well publicized and long standing racial issues within the department. He remains vigilant in his efforts to insure paramount public safety for his fellow fire fighters and to the citizens of Houston. It is this sort of commitment that has led Otis to public service.
AFFILIATIONS: Otis is proud member of Omega Psi Phi Fraternity and is a respected member of the M.W. Prince Hall Masonic Grand Lodge. He is also an American Red Cross volunteer. Otis is and remains a proud member of Windsor Village United Methodist Church where he has dutifully served as a church usher under the leadership of Pastor Kirbyjon Caldwell.
of District D who has lived and worked in the area, Otis has a unique familiarity of what issues, concerns and problems the residents of District D are facing. He is acutely aware of what is needed to more efficient, effective and transparent. ensure that District D is appropriately He brings integrity, compassion and a represented in the manner it so justly vision for our great city to serve as an deserves. exemplary municipal model of inclusiveness. Otis will seek to make our city a better place to live and to enhance our quality of life. He will fight to implement greater neighborhood oriented police tactics to reduce crime. He would seek to reduce fire and safety response times while enhancing the quality of public safety. He would insure public protection and equality of all neighborhoods in Houston regardless of the demographic makeup and socioeconomic status. As a long time resident
FAMILY: Otis has not only advocated for family values and accountability of the family unit, he has led by example. He possesses a strong Christian based belief in family values. He is a family man and has been married to his lovely wife of 28 years; and, they have two children.
LEADERSHIP: As a proven leader for the past 24 years, Otis has the character, commitment, and leadership qualities necessary to serve the citizens of Houston. One of his central principles is accountability. In these tough economic times, he seeks to implement a sound economic policy which includes but is not limited to fiscally responsible management and prudent governance. He seeks to improve city services to make our city government www.
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have contributed to creating fertile ground in which this person’s negative trait can grow and flourish.
ble. The harder you try, the more elusive I become. I am nobody’s friend. Once I tarnish a reputation, it is never the same. I topple governments and wreck marriages. I ruin careers and cause sleepless nights, heartaches and indigestion. I make innocent people cry in their pillows. Even my name hisses. I am called Gossip. I make headlines and headaches. Before you repeat a story, ask yourself: Is it true? Is it harmless? Is it necessary? If it isn’t, don’t repeat it.
Nobody’s Friend My name is Gossip. I have no respect for justice. I maim without killing. I break hearts and ruin lives. I am cunning and malicious and gather strength with age. The more I am quoted the more I am believed. My victims are helpless. They cannot protect themselves against me because I have no name and no face. To track me down is impossi-
By Carla Lane, Contributing Writer We have a Gossip in Our Organization Who is Very Good. So good, that people seem to be unaware of her methods. She uses innuendoes, hints, references, and associations to make people look bad. Every conversation with her leaves me with a bad impression of whomever she was talking about. She is so clever about it by not being direct, but very indirect. She also is afraid for there to be any relationships without her, so she
will interrupt any chance she gets if you are talking to someone. I believe she does that so that people will not find out all the lies that she has spread. She takes the truth and twists it a little, so it is very hard to pinpoint or nail her down. How do I deal with this type of person?
You have described one of the more frustrating events in the workplace! The office gossip is usually one who feels on some level very powerless and is in search of power. What does gossip have to do with power? The gossip is using the “information” she/he has that others don’t as a “power chip”. If this person seems to always be in the know about things going on in the office, there is a greater tendency for others to seek him/her out for the latest tidbit. This gives the office gossip the sense of power which he/she wants and needs, but is unable to get in a legitimate manner. In addition, you have described a person who hints or makes innuendoes, that suggests that she is not even confident enough to make a firm stance on the information being shared. This is also a method of baiting another person. If I toss the line out there with the bait on it and you nibble on it, I know that I have a potential “fish on the line.” Also, if I am really lucky, you will take the bait and run with it, and I will then have you “hooked”. Either way, I am safe. If you choose not to nibble on the “juicy” tidbit, I have not exposed myself or my information to you. The best way to deal with people like the person you have described is in a very direct manner. If you let her know that you are not interested in engaging in harmful conversations about another person, she will leave you alone. In addition, when she is talking with you in a vague manner, insist that she clarifies what she is saying to you. For example... “I am unclear as to what you are saying, can you be more specific?” or “Tell me what you mean by that”. If you and your co-workers use this tech-
nique consistently, “Ms. Vagueness” will get the message clearly that you will not accept her statements as fact and at face value. This will discourage her from being vague, because she knows that she will have to explain further. Please note: the most effective way to deal with this situation is to firmly, but politely, tell her that you do not want to hear gossip or harmful information. There is one other method that can work very effectively, and that is a group discussion about how people feel about gossip or being the subject to this “destructive and non-productive” talk. The purpose of this meeting is not to “put the person on blast”, but to let her know that the group as a whole is not going to participate in this destructive past-time. In terms of how she is perceived by others, I would guess that some of your co-workers feel as you do, but may be afraid to voice their concerns. If they are aware of what she is doing, they should be reminded that when some tidbit is brought by the gossip, some tidbit is also taken away. Therefore, it is best to remain neutral with her and not participate in the “info-exchange.” Being direct with this person and letting her know what your thoughts are may not make you fast friends, but, then again, why would you want to be-friend a person like this anyway? You may be the next subject of her gossip feast, but words have never harmed a person who is clear about “who she is”. I can say that your discomfort may not completely cease, but how much and how long you hold on to it is up to you. A flower cannot grow in infertile soil. If you and your co-workers allow this type of behavior to continue without addressing and correcting it, you
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~ Author Unknown
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“Making the right choices in business” 5. In choosing a product to sell, make sure you buy at the lowest possible cost which in turn will yield you the highest possible profit. 6. Choosing the right uniform for your company can make a very big first impression to a customer about your company. 7. In choosing the right employees for your business, make sure they’re very respectful, honest, and motivated.
Brother D-MARS Vice President of d-mars.com
8. Keeping your company technology driven is one of the best choices for your company’s growth in business for the future.
9. Always showing interest in your cus1. Make sure you have the right suptomers’ well-being is making a good porting team around you when you business relationship choice. get your game plan together for 10. Making the right choices to adveryour business. tise and market your business are 2. Having project management on hand very important if you want to see is always a good business choice for growth in your company. your company. 3. In a service oriented business, make sure the equipment you choose gives you the best quality of service for your money.
QUOTE OF THE MONTH: The reason most people don’t accomplish much is because they simply don’t want much.
4. If you choose to sell a product, make sure it has no safety hazards that you Contact Brother D-MARS @ maybe reliable for. 713-272-9511.
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Houston Community College Equals Good Business
By Trustee Bruce Austin Contributing Writer A healthy economy requires a well-educated people and new ideas. Businesses will not locate or grow in a community without a sizeable trained workforce. We must train and re-train our citizens to ensure Houston’s continued growth. One of the best investments around in these challenging economic times is Houston Community College. It is actually very simple: government spending can stimulate the economy, but over the long haul, there is a need for wages to grow. You may ask why? It is important that you sustain the economy by buying goods and services. When this happens, workers produce other goods or services and thus the cycle continues, resulting in an improved economy. That means money is circulating and that’s good. If you have enough money to save for the long term and many others can
do the same, credit can be extended; otherwise, credit cannot be extended over long term, because there is little savings to share in loans. Okay, I may have oversimplified the process, but I think you have got it. The American economy has shifted over the years from a manufacturing to a service-oriented and now an information-oriented economy. Research has found that rapid technological changes experienced by the American economy and the crystallization of a global, internationalized economy have transformed the factors necessary for healthy state and local business climates. Jobs in the future will require levels of technical knowledge that we have not seen before. No longer will a high school education be sufficient to find work. Eighty percent of all new jobs require some postsecondary education and training to create a living wage. CNN reported this year that in 2007 nearly 6.2 million students in the United States between the ages of 16 and 24 dropped out of high school, fueling “a persistent high school dropout crisis.” That total represented 16 percent of all people in the United States in that age range in 2007. Most of the dropouts were Latino and black. In the current economy, having at least a
Knowing where
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Which job should you take? What car should you buy? Should you ask him to marry you? Are you ready for another baby? Is this house right for you, or should you keep looking before you make an offer? Life is full of hard choices, and the bigger they are and the more options we have, the harder they get. As it happens, our brains are fairly binary. They can react very quickly when presented with two options, especially when one’s clearly better. Stand here and drown in the rising waters or jump onto that big rock and be safe? Easy choice. Making the right choices in life is a success secret that many times, seems www.
high school diploma is a critical step for avoiding poverty and a college degree is a prerequisite for a well-paying job, says an Urban League report, “Left Behind in America: The Nation’s Dropout Crisis.” It costs you significantly when you drop out. That’s why we want you to drop in at HCC and consider the many pathways to progress we have. New jobs require new skills and HCC has adopted curricula that prepare its students for employment in the new global economy. Students attending HCC can now choose one of two paths of study: the academic pathway where they move on to a four-year university for further study; and the career technology program, which allows students to choose a career area they are interested in and concentrate on classes that will help them gain employment in their chosen field. HCC offers technical programs in a wide range of fields, such as computer information systems, allied health, semiconductor manufacturing, nanotechnology, biotechnology, criminal justice and law enforcement, and construction trades. And HCC is a bargain. Tuition for in-district students is $57 per credit hour. An associate degree from HCC costs $3,200, less than one semester at a major university. Associate degree graduates from HCC earn an average
of $56,500 annually at the midpoint of their career, 38 percent higher than someone with only a high school diploma. And HCC is the number one community college in Texas for placing students in jobs when they graduate. Additionally, research by Economic Modeling Specialists, Inc. shows that taxpayers benefit by $860 million each year from the added tax revenue of educated citizens and from avoided social costs to government. Every $1 in taxes invested in HCC returns $5.10 to the community in economic benefits. More than 60,000 students are educated by Houston Community College each semester. That’s a lot of talent making Houston an attractive location for all kinds of businesses. Join the many Houstonians who are making a difference in their lives by attending HCC today. Bruce A. Austin is a native Houstonian who has served on the Houston Community College Board of Trustees since 1989. He has worked in the United States Department of Justice, Office of the Assistant Attorney General for Administration, and is a proud alumnus of Texas Southern University. He holds a BA in political science, MPA in public administration, and Juris Doctorate. Mr. Austin is also an adjunct professor at Texas Southern University.
like only the super successful know. However, this success secret is much simpler than you might have imagined. You see, the first step in making the right choices in life is knowing where you want to go. There is an old saying that goes like this, ‘If a man knows not what harbor he seeks, any wind is the right wind.’ You see, if you don’t know specifically where you are going in life then you will never really know which is the right choice to make. You will just be wandering around in life not knowing whether you are even on the right path because you don’t have a clue where you want to go. Note: You have to be specific about this. If you generalize things in your life you still won’t be able to make the right choices to succeed. It’s like if you wanted to go to a mountain range. That is a very general and broad desire. You
could end up at any mountain range in the world. However, if you were more specific, like saying you wanted to go to a mountain range where you could ski, you would be able to make better decisions on how to get to your destination. Of course you could continue to narrow this down by being more specific about what parts of the world you would like to go, the quality of the snow, the quality of slopes, and maybe even the ones with the best views. This success secret is used by everyone that has achieved great success in their life. Don’t be fooled into thinking that they just ended up where they are. They made specific choices based upon the destination that they chose. You too, will have to follow this success secret in order to achieve the greatest amount of success in your own life.
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“Pressure can burst a pipe or make a diamond” Robert Horry
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By Christina Robinson Grochett, University of Phoenix – Houston Vice President an Internet portal without the need to commute to classes on campus. Below are a few things to think about before entering a virtual classroom.
What are some of the reasons why a student would enroll in online learning, rather than in a course at a local college or university?
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his year has been a difficult one for businesses and employees. For the first time in nearly three years, Houston’s unemployment rate was higher in August than the statewide rate, according to a recent Texas Workforce Commission report. As the economy continues to struggle, hundreds of job seekers are competing for the same limited number of jobs. To help give them a competitive edge in the tough job market, a growing number of working professionals are returning to the classroom. After making the choice to go back to school, many professionals are choosing online education as their solution to earning their degree while balancing their careers – or the efforts to find a job – and family commitments. These factors ultimately led to the growing popularity of online learning, which many higher learning institutions have embraced. In fact, according to a 2008 survey from The Sloan Consortium, more than 2,500 colleges and universities reported a 12.9 percent growth rate for online enrollment last year. Working professionals typically choose online education because it is a practical way to juggle schedules that already are stretched to the max to earn credits toward advance degrees or certification. Although some programs incorporate the option to meet in person, the majority of coursework is completed independently at times that fit their schedule. Students are able to listen to lectures, obtain assignments, read materials and discuss homework through october 2009
For many working individuals, the desire to excel in the workplace is strong – but not at the expense of family and other personal commitments away from the office. Online learning allows students to gain knowledge that will be instrumental for career growth in a convenient setting and on their own schedules. Many online classes are conducted asynchronously, rather than in real time, so coursework can be completed when and where it is convenient for the student. Online education is an especially attractive option to working individuals whose jobs require a great deal of travel. Class assignments can be completed on the road, in between appointments or simply whenever the time is available. Similarly, online learning courses do not generally follow traditional semester scheduling, and ongoing enrollment enables working people to stop and start coursework to fit within the ebbs and flows of corporate demands.
What are other advantages? Beyond the obvious benefits of flexibility and convenience, online learning preserves all the important aspects of a traditional learning environment. For example, since the information is presented in text form, students never miss an important point. In fact, some skills – such as written communication – are even more pronounced because the majority of interaction takes place through e-mails, chat sessions and other forms of written dialogue. In addition, online courses allow students of all ages – from Generation Y to Baby Boomers – to be in the same classroom and offer their insights, experience and feedback without apprehension. Furthermore, depending on discipline and schedule, online courses also allow students to take more courses in the same time period, thus accelerating progress toward a degree. www.
What technology is needed? Modern technology allows students to engage in incredibly rewarding online learning experiences with ease. Although the specific method of access varies among colleges and universities, most programs are very simple to interact with. In most cases, all a student needs is a computer, a phone connection, an Internet Service Provider and some simple software provided by the school.
How long does it take to earn a degree through an online program? The time commitment required to complete any curriculum – distance learning included – varies greatly depending on factors such as the school, the number of credits required and the specific degree program or content area. However, enrollment counselors can help potential students evaluate previously earned transfer credits to determine what additional coursework will be required to earn a degree, and determine how long it will take to complete those requirements. It is worth noting, though, that the fastest option is not always the best option. A quality education that fits an individual’s lifestyle and long-term career goals will always be the best choice. While the benefits of convenience and flexibility are unsurpassable, online education does require a high level of discipline. A potential student should thoroughly investigate the course format to be sure the time commitment, work volume and general program demands will realistically fit into an existing schedule. As a leader in higher education, University of Phoenix pioneered online education three years before the advent of the World Wide Web. Two decades later, the University continues to harness the power of digital technologies to help students master the skills that are ®
in greatest demand in the workplace. For example, technology is incorporated into all aspects of the University’s educational experience – from support services to online simulations, Webbased tutorials, virtual simulations and e-books. These and other next-generation education tools foster a culture of learning, so workers become empowered, self-directed and efficient users of information. The University will be celebrating its 20th online anniversary later this year with hundreds of thousands of students who earned their degree from all corners of the globe. The University connects students to one-on-one academic, financial and other advisers; promotes student collaboration; ensures extensive faculty facilitation; and leverages robust technologies that help students process information in the same way they would in the real world. University of Phoenix is a recognized leader in defining and implementing quality online education standards, having established one of the most comprehensive outcomes assessment programs for colleges and universities today. Christina Robinson Grochett is the State Vice President/ Director of South Texas for University of Phoenix. An accomplished leader and champion of higher learning, she was named one of the Top 10 business women by the American Business Women’s Association in 2008. Her leadership has also helped the Houston campus receive various honors including the 2008 and 2009 Alfred P. Sloan Awards from the city of Houston for Workplace Flexibility and Innovation as well as a 2009 Best Place to Work by The Houston Business Journal.
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Dr. Jacqueline Horton Cobbin Owner of Divine Closet its Grand Opening on Saturday, September 12, 2009. The store is located at 5505 West Orem, Suite 300, Houston, Texas 77084 on the campus of The Kingdom Builders’ Center. Divine Closet Boutique is a collaborative vision of Windsor Village United Methodist Church Pastor Kirbyjon Caldwell and Cobbin. “The 5-year vision has finally come to fruition,” Cobbin said. With one successful consultant business to her credit, Cobbin was shopping for a purse when a second business opportunity presented itself. As she looked for the handbag a salesperson informed her that the owner of the store was ill and wanted to sell the store. Cobbin had a price in her mind and when the owner said he would sell for half that amount, Cobbin was sold. She went home and discussed the business venture with her husband and Divine Closet by Jackie was created. The daughter of a seamstress, Cobbin has always been interested in fashion, and
loved growing up with beautiful dresses, gloves and wonderful brimmed hats. She is truly a “southern girl” at heart. Dr. Cobbin recalls how as a child she wore for years “hand-me-downs” from the daughter of her Dad’s employer. “My dad was a cotton porter in Memphis, Tennessee and a chauffeur. He would take me to his boss’ plantation style home and receive clothing from the backdoor of their home. My mom would wash and iron these clothes, then, add her “extra touch” to create beautiful garments for school and church. For years, I wore monogrammed socks bearing the name of a little girl I never met. From those times to now, I have always been recognized by the way I dress. As well, I have always been a giver. From my own closet, I have dressed several women in need and several prominent ladies of the community.” “Making “the right” choice has become a lifestyle to me, a life long venture in my business practices, in my shopping
When the Right Choice is a Hard Choice
of business. It may also be necessary to train your other employees as they may have to assume new job responsibilities during restructuring period.
Dr. Jacqueline Horton Cobbin did what most people would not have done. That was to bring a “Galleria-style Store” to the Southside of Houston. Divine Closet by Jackie Boutique held
your employees’ best interest at heart, but are also moved by your bottom line. Sometimes this situation creates a need for layoffs or a more politically correct and less offensive term, “restructuring.” No one ever wants to look one of the individuals who has helped make your dream to own and operate your business come true and tell them the five-word kiss of death, that their “services are no longer needed.” To lessen this blow, there are various methods you can take to help prepare your employees for their transition.
Transitional Training To assist your employees facing a layoff, you can offer transitional training programs. By hosting lunchtime seminars on basic office skills and computer programs, such as Peachtree, QuickBooks, The current economy has created a and Microsoft Office Suite, you can acdifficult situation for many companies. centuate the skills that your employee As a business owner, you always have received while working at your place
By Diedria B. Joseph, President/CEO of Topp Knotch Personnel, Inc.
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Resume Building Seminar New skills and a soon-to-be job change present a need for your employees to update their resumes. Hosting classes revealing how to make their resume stand out in a highly competitive job market can be a great starting point to help your employees. Also, offering your personal insight to their resume can also help because you understand how they were an asset to your organization. By providing more than just a severance packet, you will give your employees an advantage in the job market. Why spend time and resources to prepare an individual who will no longer be working for you? First, you should prepare any laid-off employee because it is the right thing to do. How else could you reinforce an individual’s value and worth at a potential low point? This step will show that you truly do care for that individual and see the potential they have to be successful at ®
for “vintage clothing” and in buying clothing from small boutiques. Now, I want to educate women about dressing and inspire them to buy from me as an act of making similar right choices.” Divine Closet by Jackie is truly upscale with labels including St. John, Oscar de la Renta, Jack McConnell, Donna Vinci and Chanel for women of all sizes, including full-figure women, the Galleria flavor for sure. There is custom-made stone and crystal jewelry to accent each garment. Then, there is a consignment room of shoes, handbags, hats, accessories and garments where women can buy upscale and quality clothing from other women in various leadership positions in the city and out of state. We appreciate the university professors, pastor wives, corporate executives, judges and other women for their beautiful clothing, who have the income to buy the best and choose to support this boutique. True, these women are making money as consignors; however, they are blessing other women and raising the self-esteem and God confidence in the women who are buying. We invite others to come in and do the same. Cobbin believes in the biblical principle of “sowing and reaping”. The right choice has been made in the right location for Divine Closet by Jackie, Houston’s newest Galleria-style boutique. their future endeavors. Second, because it is an opportunity to create a silver lining in a difficult situation. Third, your employees can be a key source for referrals. By turning a potentially negative situation into a positive one, you give your former employee the opportunity to share the story of your company’s compassion to their internal “clients,” their employees. Do not be discouraged during your period of restructuring! This is an opportunity to come through stronger and more efficient, making the best decisions for your business. Diedria B. Joseph is President/CEO of Topp Knotch Personnel, Inc. Topp Knotch Personnel offers various services such as Executive Recruiting/Direct Hire, Temporary Placement, Temp to Hire, and Contract Staffing nationwide. TKP offers HR Training Services to help you during your period of restructuring. For information, please visit our website at www.toppknotchpersonnel.com or call (888) 706-TOPP.
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Sanford-Brown I n s t i t u t e
RADIOGRAPHY TECHNOLOGY PROGRAM
Training for health careers and more
Left to Right John Hurley, Program Director Marilyn D. Hall, President Mark Struthers, Clinical Coordinator
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anford-Brown Institute Radiography Technology Program provides students the quality education necessary to be prepared for certification and employed as an entry level radiologic technologist. Medical imaging is involved in almost all patient diagnosis and treatment and a radiologic technologist is expert in acquiring those images. Subsequently, today’s radiologic technologist possesses an in-depth skill set that allows them to be part of a highly trained healthcare team. Sanford-Brown Institute uses the most up-to-date learning tools in the classroom and state-of-art digital radiolography lab. Students train on hospital-grade equipment and use tools such as a full sized anthropomorphic (human simulation phantom with bones and organs) to hone their x-ray skills; preparing each student for the practical application experience at our clinical affiliate facilities. At these facilities, students are mentored by certified radiologic technologists and radiologists while working with actual patients. Radiologic technology training is the foundation for all of today’s medical imaging in healthcare. This field provides multiple career paths and opportunities to work in: 1. Employment settings as varied as hospitals, clinics, or physician’s offices. october 2009
To inquire about the Sanford-Brown Institute Radiolography Technology Program please call: Contact for Enrollment:
2. Advanced imaging modalities such as ultrasound, CT, or MRI. 3. Radiology administration 4. Education 5. Association with the radiologist as a certified radiology assistant performing imaging procedures and helping with image interpretation. 6. Sales and marketing of radiology equipment 7. Consulting 8.Imaging informatics (one of the newest fields that help with computerization of medical imaging throughout the healthcare enterprise). In the age of computers and digital technology Medical Imaging is one of the fastest growing fields in healthcare. 9. And more ….
John Hurley, Radiography Technology Program Director E-mail: jhurley@SBnorthloop.com Mark Struthers, Radiolography Technology Program Clinical Coordinator E-mail: mstruthers@SBnorthloop.com Anna Cuccia, Director of Admissions Phone: 832-325-4517 E-mail: acuccia@SBnorthloop.com
Sanford-Brown Institute is part of the Career Education Corporation (CEC); one of the largest proprietary educational systems in the world. The more than 75 colleges, schools, and universities that are part of the CEC family offer high quality education to a diverse population of over 90,000 students across the world (United States, France, Italy, and the United Kingdom) in a variety of career oriented disciplines. CEC offers doctorial, masters, baccalaureate, and associate degrees as well as certificate programs.
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For Goodness Sakes: Make a Decision
By Dr. D. L. Jones, Contributing Writer
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ow many of you reading this article has encountered a boss, friend, or leader who can’t seem to make a decision pertaining important matters? Making a decision is a part of life. It’s been said that from the cradle to the grave we all are faced with daily de-
cisions. At the moment of birth a new born baby has to make a decision, they either have to holla or swallow because they can’t do both at the same time. The first indicator of a good leader is the simple ability to make a decision. Maybe you have all the facts and maybe you don’t, but good leaders are able to quickly access a situation and make a decision while poor leaders simply bury their heads in the sand like an ostrich. Making a decision doesn’t mean you’re making the right decision or you have all the answers. What sets a good leader apart is the courage to make a decision. I’ve been asked over and over what makes a good school administrator? My answer is simply being able to make a decision. Napoleon once said “Nothing is more difficult, and therefore more precious, than to be able to decide.” Now the question is why is this so difficult for so many? One reason is that many are fearfully traumatized by the mere thought of making the wrong de-
cision. Fear is an immobilizing power that causes many leaders to clam-up when they need to stand up and take charge. Fear has paralyzed some of America’s most respected leaders causing them to squander opportunities to stand and deliver in defining moments when decisions are to be made. This is not a-typical of most leaders around the world. In general, people are afraid of making the wrong decision, therefore becoming the author of ‘a decision gone bad.’ This phobic mind-set is counter-productive on the job, at home or in one’s personal life. Whether you’re a pastor, store manager, school principal, husband or wife – making a decision is not a choice; many people are counting on you to make a decision that is going to help the church, the company, the school, the home, and/or the marriage. How important is a decision? It is as impor-
tant as life or death! Making a good decision has two main ingredients; a sense of purpose combined with boldness of character that work together to make the decision that most leaders are afraid to make. Over the years I’ve shard with many of my closest friends the Russian proverb ‘When in doubt do nothing.’ The reality is that when a person is faced with a decision and does nothing; in essence he’s made a decision to do nothing. Are you getting it now? Making decisions are unavoidable in everyone’s life. The ability to decide is a prized characteristic that all organizations look for. Every institution needs people who are capable of making good decisions because those decisions ultimately keep them moving forward in the right direction. And in times like these, Americans are looking for strong governmental leaders who are strong, bold and unafraid to make un-popular decisions for the betterment of America. So, the next time you’re standing in line at McDonald’s with twenty people standing behind you waiting order; simply tell the cashier “give me a number 5 and super-size it!” You’ll see that everyone will be so happy from your prompt and timely DECISION.
When the best choice is to Making it Stick… Making the Right Choices throw in the towel…. By Heather Haukaas, Contributing Writer
By Elvia Lynn Valdez, Contributing Writer Some people say you live and learn, but is that really true? Lots of people just go through life going through the motions. But is that really living? Life is all about choices and sometimes we find ourselves in a battle of the mind in determining which ones to make. No one can tell you how to live your life, unless we allow them to be the voice of reason. As a wise person once said, you can take them to church but you can’t make them believe, you can october 2009
teach them to say no to drugs, but you can’t be there to say no. We have to trust that people will make the right decisions in life with the tools they’ve been given. I think back to my childhood and wonder what words of advice my mom gave me growing up, and to be honest she didn’t say much. The truth is she didn’t have to, she led by example. In between working two and three jobs, she quickly did a different kind of drive by than we hear about. She would leave little notes. The notes she left behind as she quickly passed through were hardly enough to sustain us to walk a straight path, but somehow they stuck. Even though I was nine years old, I was old enough to understand that it wasn’t right to try to raise your kids through post-it notes, but instead necessary. My mom had no choice; she did the best with what she had. Looking back, she made the best decisions she knew how to make- and it worked. Now, as an adult I take with me what my mom has instilled in us; the power of prayer in making the right decisions with our lives. It’s the only thing that really works! www.
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ur whole lives we are told to “never give up,” “never give in,” and “when the going gets tough, get tougher.” But exactly how do we apply this “can’t quit” mentality to our business ventures? What do we do when we have invested our whole self into a company we were passionate about only to find that we are reaping failure after failure, being drained financially, and always one step short of the success we envisioned? Do we stick with it and hope that things will change or do we throw in the towel and use it as a learning experience? I learned, second hand, that sometimes the best choice is to cut your losses and apply what you learned in future endeavors. Six years ago, my father emptied out his savings to invest in a nutritional sports store. Having been a body builder and nutrition freak, he was excited to invest his money in a company that he was passionate about. The future for the business seemed promising and revenue was abundant. Unfortunately, the president of the company spent funds ®
excessively and defaulted on payments to investors. Three short years following the start of the company, the owner filed for bankruptcy. At this point, there was a choice for my father to make. Should he throw in the towel or buy the assets of the company. My father chose option two. He did not want the money and time he invested to be lost so he thought he could revive the company by executing a different business strategy. His strategy may have been great but with acquired assets came angry investors, years of million-dollar lawsuits, the inability to invest because money was tied up, and a worsening economy. Hindsight being 50/50, he looks back at that day he decided to not throw in the towel and asks himself, “Why?” The moral of the story is that sometimes the best choice is to throw in the towel when you are a little behind, trusting that instinct that tells you “maybe this isn’t for me at this moment.” When the choice to exit the business venture is made don’t be so disappointed that it didn’t work out because the joy of your future could be the failure of your past. 25.
Ways to Beat Titus • Artworks Our Slumping Economy
Kesler “Titus” Fretty
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ur economy is at one of its lowest points ever in history. One thing that is playing a huge factor in this is the forever-growing increase of unemployment. Add that up with the high food and gas prices and you have a pretty big problem on your hands. This article will take a look at four things you can do to earn some extra cash to help get you through these bad times. Every day there are more and more people turning to the Internet in pursuit of finding some sort of way to make some cash. Listed below are a few ways that you can take advantage of the power of the internet. Sign Up With Ebay - Despite the slowing economy people are still making a pretty nice buck on eBay. All you need to do is set up an account with them and with Paypal, which are both free. After doing this take some time to collect all of the things that you already own and no longer want or need, and start listing them on eBay. Be sure to take good pictures and give great descriptions of your items. Doing this will greatly increase your sales. Learn Affiliate Marketing - Affiliate marketing is huge right now and growing fast. If you know nothing about this remarkable way to make money online, take some time to learn all about it. Affiliate marketing is basically when a person agrees to promote a company’s products and or services. For every sale generated from that person they will receive a commission. There are many october 2009
people making a full time income by just doing affiliate marketing. Sounds crazy, right? Well it is not, there are actually millions of people all over the world who seriously make a living using the powerful method of affiliate marketing. Could you be one of them? Take Paid Surveys - Although taking surveys for cash is a controversial topic, you can make some money by taking surveys online. What one must understand is that if you are trying to get rich off of survey taking, you will be greatly disappointed; but if you are looking to make anywhere from $20$200 a month, then paid online surveys may be for you. Keep in mind that you must find surveys that actually pay money and not just reward you with sweepstakes entries. Sign up with as many surveys as you can this will greatly increase your survey opportunities. Get Paid For Your Skills - There are sites out there that allow people to make some money by using their own individual skills. Sites such as Elance. com and Guru.com have members that are willing to pay people that can draw, type, write, edit, design and more to get certain jobs done for them. If you have any of these talents, then it might be worth your while to check into what these sites are all about. Who knows, you might actually find that you can make money off of a hobby of yours. So, find out which method fits you best and get out there and start making money! www.
“A man owes very little to what he is born with because a man is what he makes of himself. At a young age, Kesler “Titus” Fretty decided he would do great things in his life as a contributor to the community through his desire for community service and passion for art. Titus satisfied his undying need to help others by becoming a firefighter for the Houston Fire Department in 1997. Currently, Titus is a Hazardous Materials Specialist serving on the Houston HAZMAT team for over 6 years. Although, Titus admits that there is no reward greater than serving his community he could not ignore his creative talent. After reading the book of Titus he found inspiration to become a leader within the art industry. Being inspired he decided to reinvent his existing art company changing the name to Titus Artworks. At Titus Artworks art enthusiasts will find a very unique and original approach to experiencing art. The art experience consists of highquality art, excellent customer service, superior installations, and most of all added values to your home, office, or environment. At Titus Artworks one will find oil paintings, pencil drawings, sculptures, wall murals, body art, portraits, window advertising, private art instruction, art consultations, exhibit opportunities, and art rentals. The art experience does not stop there, as Titus will also be offering a very unique line of clothing in the near future. The main focus of this unique line will be sports apparel and swimwear. ®
Titus Artworks is about so much more than art; it is about changing lives through creativeness; it is about leaving a legacy for generations to come; and most of all it is the heart of Titus. Titus has always believed that life is not about being selfish but about giving and embracing each moment that life gives us. Titus has not only used Titus Artworks as a means to support his love of art but also to satisfy his undying urge to help others. He does this by giving 10% of profits from his paintings to various charities. Titus, the creative spirit and dedicated public servant, grew up in Houston, Texas. Titus believes that it is important to continuously improve oneself in every aspect of life. Thus, after graduating from James Madison High School, he attended Prairie View A&M University. While attending Prairie View A& M University he graduated with a ¬bachelor’s of science degree in animal science. Obtaining a bachelor’s in animal science meant more than a degree under his belt, the degree allowed him to gain a more in-depth knowledge about animals. This knowledge enables him to raise livestock and sell to local high school students involved in 4-H. When Titus needs a break from his hectic schedule he enjoys the serenity of the outdoors. It is only in this peace that he finds the inspiration that fuels his creative abilities. For more information please contact Titus Artworks at 281.201.7832 or email titusartworks@gmail.com. 26.
Pitfalls to Avoid in Retirement
By Victor D. Walker CPA, JD Contributing Writer
You probably realize that Social Security is unlikely to provide you with enough money to live on in retirement, and that you will need additional sources of income to live comfortably. Most retirees look to a number of sources to cobble together a retirement income. Even though you’re retired, you can still seek out growth investments, assuming you retain a good share of your savings in less risky ventures. Seek balance by diversifying or spreading your savings across a variety of investments with varying levels of risk. A financial advisor can help you select from available stocks and bonds to keep your money working for you and help generate investment income.
When you estimate how much you need in retirement, don’t forget to consider how inflation reduces the value of your savings over time. Your budget should factor in rising health care costs and other expenses that may grow disproportionately. In general, early retirees spend more on travel and hobbies while Beware of insurance gaps. Your insurance needs may change in they are still active and healthy; these retirement, but they won’t go away. You costs may go down as you get older. may need to replace employer-spon- Get professional advice. sored benefits such as life, health and A knowledgeable financial advisor dental insurance after you retire. Shop can help you analyze your retirement around for attractive price points and portfolio and recommend steps to help good quality plans. Even if your home is you make choices with your retirement paid for, you should maintain an appropriate level of homeowners’ insurance in case of theft, fire or other incidences. Consider whether long-term care insurance for you and your spouse is something you want to help pay for things like long-term care in a nursing home.
You work hard and save aggressively so that one day you can retire from the workforce. When the fabled day arrives and you enter the blissful state of retirement, you may be tempted to think you’re done agonizing over your money and savings. The truth is the hard work is probably just beginning. Assuming you’re like most of us, with a finite number of dollars available to fund your retirement, you need a plan to make sure you are spending and investing in the most optimal way to make your money last as long as possible. Here are five pitfalls to avoid in retirement to help you preserve your assets and maintain your Avoid tax mistakes with lifestyle for years to come. retirement distributions.
Don’t retire too early. It’s difficult to predict how long you will live, but longevity trends suggest the likelihood of longer life spans for current and future retirees. If you retire at age 62, you could live another 20 or 30 years. Not only do you need to think about how long your money will last, you should also consider the consequences for taking early withdrawals from your retirement nest egg. Also consider that if you choose to take Social Security early, you agree to receive a reduced amount each month for the privilege of potentially more years of the benefit. Your Social Security statement can help you determine the financial trade-offs of taking early benefits or postponing Social Security income for a few years.
Your sources of income in retirement may include Social Security, a companysponsored pension plan, IRA, 401(k) or a profit sharing plan. How you access your savings in these various investment vehicles can have a profound affect on how long your money lasts. The IRS regulates how much you can take out of your retirement accounts each year and you can incur stiff tax penalties if you do not abide by the rules. Talk to your tax preparer and financial advisor about required minimum distributions from your retirement accounts and establish a schedule of withdrawals that satisfies requirements while preserving principal. At retirement, you are generally required to begin taking minimum distributions from qualified retirement plans by April 1 of the year after you turn 70½.
Don’t rely on just one form of income.
Don’t underestimate the impact of inflation.
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assets. Talk to your advisor and tax professional to plan your distributions to help reduce your tax obligation. With careful planning, you can effectively manage your retirement assets — and relax and enjoy the golden years.
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Parental Involvement at School
is good, the relationship between the child and the teacher is also usually good. Most teachers are delighted to have parents show an active interest in their child’s education.
Preparing for the Meeting
By Dr. Bernadette L. Thomas Parent Empowerment Contributing Writer Children want to succeed. Parents and guardians try to do a good job of raising them. Just because you are a parent and attended school previously, doesn’t mean you automatically know how to help your child be successful in school today. That’s why Parent Empowerment is here to help you help your child. To execute this responsibility, parents should establish a cooperative, working relationship with your child’s teacher. There are compelling reasons for doing this as soon in the school year as possible. A good teacher knows not only how to teach but also who they are teaching. The more a teacher learns about your child, the better they can teach them. Secondly, when the relationship between the parent and the teacher
Be confident that you have the right to call a meeting with the teacher. Prepare yourself motivationally for the meeting. Evaluate your child’s learning needs in terms of their motivational level and personality type Pay special attention to “Teaching Style Needed” by your child; what they are “Stressed By”; what “Work Environment” is optimal; and what their “Central Drives” and “Character Needs” are.
Meeting the Teacher Set up the meeting. Write down a list of any information you want to share, any concerns you have, and any questions you may want to ask. The initial reaction of the teacher to the suggested meeting will probably be positive. If you sense defensiveness, be prepared to adjust your communication style Talk to your child’s teacher about the issues you have selected. Offer your cooperation to the teacher as a co-laborer in accomplishing their classroom goals. Observe the teacher’s motivational level and personality type. To the best of your ability, adjust your sending style accordingly. Let the teacher talk. Listen. Take notes. Get to know your child through the teacher’s eyes. Ask questions such as, how is your child’s attitude, how does the teacher measure
progress in the class by participation, and be direct about any problems that came up. homework, projects, tests? Remember you are your child’s After the Meeting first and most important teacher in life. Equip your child to function more Your attitude about education will have effectively in class by helping them un- the lasting impression. Therefore, Exderstand the sending and receiving style pect Great Things From Your Child. of their teacher. Tell your child about Parent, become the role model. the meeting, emphasizing the positive
The Power of Information in Decision Making ing a certain job or career, or a personal ambition, most choices require valuable time and research. Choices that are made as a result of in depth planning always yield best value. Conducting research for good information is an essential part of making the right choice. If you don’t know specifically where you are headed in life then you will never know which choice to make. It is very important that an individual get on the right path and follow good directions. Setting good goals is the secret to success, and success is the direct benefit of making outstandBy Veronica Douglas, CPPB ing choices. Specific choices are made Sr. Procurement Specialist based upon your desired destination. Contributing Writer You will have to follow this secret in order to achieve the greatest amount of We face the issue of making the success in your own life. right choice every day. Whether the When facing the issue of making choice to be made is relative to accept- the right choice, we must also set stanoctober 2009
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dards and keep them. Make your decisions based on what is best for you, not what others think is best for you. You know your strengths and improvement needs, and you should use them to avoid a lot of problems. Always follow your instincts. Research shows that people who make decisions quickly, even when lacking information, tend to be less satisfied with their decisions than people who research and carefully weight their options. Some of this difference is simply in the level of stress the quick decision created, but much of it comes from the very way our brains work. Check your perception about people. Having a person whom you consider a friend is one of the most special feelings in the world. You can talk to them, confide in them and bounce ideas off of them. However, there are three kinds of people in everyone’s life: those ®
who care about you and inspire you, those who do not care about you and are nonchalant about you, and those who pretend to care about you, helping you to make bad decisions. Putting people before purpose ends in pain caused by human imperfection. Putting purpose before people helps you to understand whatever occurs during the course of your friendship. It gives you near-precise perceptions about everything. It is not about the person; it is about their purpose in your life. The choice is yours, whatever process you use to arrive at your decision, your satisfaction with the decision will depend largely on whether you claim ownership of your choices or not. If you feel pressured into making a choice or not in control of the conditions, you’ll find even positive outcomes colored negatively. On the other hand, taking full responsibility for your choices can make even failure feel like a success – you’ll know you did your best and you’ll have gained valuable experience that will benefit you in the next choice. 28.
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Ffordable Dental ssurance Plan
Benefits for Covered Services Plan Facts
Offered by Dr. Ka-Ron Y. Wade Dr. Ka-Ron Y. Wade instituted the A-Ffordable Dental Plan so your family is covered. In addition to providing coverage for preventative work, the A-Ffordable Dental Plan provides you with a discount on all Major and cosmetic work performed at the office.
How the Plan Works By Dr. Ka-Ron Y. Wade, D.D.S. Contributing Writer Dr. Ka-Ron Y. Wade is excited to offer the A-Ffordable Dental Assurance Plan, which offers a cost saving option to patients that do not have traditional dental insurance. The A-Ffordable Dental Assurance Plan provides you with continuous services. You will never maximize your benefits. Moreover, you will not be bombarded with confusing dental insurance rules. The traditional dental insurance is great for preventative care. However, it falls short when you have a major dental problem or would like to get cosmetic work.
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Carrier Name: Web Site: Member Services:
A-Ffordable Dental Plan http://www.kwadedds.com 713-654-3050
Coverage Plan Deductible (Individual/Family)
None
Preventative Care • Preventative Services 100% covered No Limit on X-Rays, Full Mouth, Panoramic X-Rays, 2 Comprehensive Doctor exams per year & 2 Preventative Cleanings per year
The A-Ffordable Dental Plan works Basic Services & Major Services very similar to a traditional insurance • Basic Services Patient will pay 50% of Usual & plan with one exception. Your coverage Customary Fees (Filings, extractions) is only valid at the office of Dr. Ka-Ron Y. Wade. Patient receives a 20% discount • Major and Cosmetic Services The office of Dr. Ka-Ron Y. Wade • Orthodontic Services $1000 covered will charge only the co-payment porInvisalign & traditional orthodontics $1000 off of Usual & Customary fees tion of the services provided. The Office of Dr. Ka-Ron Y. Wade will also Maximum Benefits discount the services provided based • Orthodontics on usual and customary fees. You can No lifetime maximum per eligible individual Invisalign & traditional arrange for a pre-treatment estimate of orthodontics coverage $1000 Maximum the benefits at the Office of Dr. Ka-Ron Y. Wade to learn how the plan covers of dependents covered. Once enrolled Plan Options: your needs. in the plan, you pay the applicable co- Family insurance based on the procedure. The (Individual + Spouse + Children) Cost of Coverage The cost of your plan depends on the coverage will only be honored at the Ofoption that you choose and the number fice of Dr. Ka-Ron Y. Wade.
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By Robert “Bob” McNeil MA, CFES Contributing Writer
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hen I was a young man my father never allowed me to complain; if I started to he would quickly cut me off and reply, “You have your health and that’s all you need”. Now, more than ever, I can truly understand the wisdom in that statement. As can many Americans, you can have health insurance but still face peril from co-pays and mounting debt incurred during recovery. However I specialize in granting some relief to that potential debt. According to numerous industry experts supplemental health insurance
has increased in importance as employers move toward providing catastrophic insurance only under the range of consumer-driven health plans. The intention of consumer-driven health plans is to pay non-catastrophic expenses outside of insurance. Effectively, the increase in individually purchased supplemental insurance indicates that the transition is not going as smoothly as once thought it would. The funding of Health Savings Accounts (HSA) and Health Reimbursement Arrangements (HRA) by employers is well below what policymakers had previously hoped for. Many believe that employers will continue this long term trend of “getting out of the health care business”. Individual consumers usually do not have the capital to cope with the risks of everyday medical costs. A typical household has, on average, $200 to $500 of out-of-pocket medical bills, including prescriptions and office visit co-pays, yet budgets less than $100 per month for these expenses. Supplemental health insurance helps even the cash flow through a budgeted premium bill and provides protection for costs that are greater than expected. Even if the
always be as bold as to just ask them to accept God’s Word, since I am employed by a state agency. My public set of guidelines for making a decision is the Rotary Four-way Test.
By Charlotte Jackson, Contributing Writer
1. “Is it the truth?” 2. “Is it fair to all concerned?” 3. “Will it build good will and better friendships?” 4. “Will it be beneficial to all concerned?”
In every decision I make, I use two sets of guidelines. My private sets of guidelines are found in God’s Word. Before I act upon any issue, I seek His wisdom. When I have to share with others, usually on my job, I cannot
I figure if these four questions have been in place for over 100 years with the largest international service organization, they must work. By following my two sets of “checks” I can do what is needed and rest well knowing I have given the decision my very best.
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President is successful in placing caps on co-pays, Household expenses will still continue in your absence. Supplemental health insurance is also known as “defined benefit insurance” because the maximum specific benefits are presented in dollars for various types of covered medical expenses. For example, a policy may provide $500 per day for hospitalization. In contrast, major medical polices cover a non-specific “ordinary and necessary medical expenses” up to the policy limit; typically $1 million or more. The major medical coverage may actually be stronger, but is vague and subject to misinterpretation by doctors and consumers. This vague definition of benefits is the underlying reason for the various controversies that health insurance companies face today. Supplemental insurance largely avoids this debate. This distinction in defining benefits also tends to make supplemental insurance more predicable and stable in long term pricing. The second major distinction is that supplemental insurance benefits are paid directly to the individual policyholder in addition to any other insurance benefits that are typically paid to the doctor or hospital. Benefits payments do not need to be used only for medical expenses but are commonly used to offset income lost due to illness
In dealing with my ex-husband over the years, when there were very sensitive issues at hand, I had to always stop and think about how my words and actions would impact our children in the future. It is with a humble heart that I can say that at one point, when there was a large financial issue, I knew that if I would just trust God, everything would be okay. I relinquished my right to a large sum of money and you already know the answer---God blessed me as well as our children. On my job, there was an opportunity to give in and do something in the flesh, but in my heart, I knew what if I did it God’s way, I would be rewarded. Someone came to my office as I was leaving for lunch and needed some assistance. Not only was it lunch®
or injury. Unlike major medical insurance, supplemental plans do not use a subjugate claims; meaning that benefits are not reduced due to other coverage. The primary advantages of supplemental insurance are that it is: 1) easy to understand, 2) affordable, 3) stabile, and 4) benefits are paid in cash to be used at the policyholder’s discretion. The primary disadvantage is that it may leave consumers unprotected for larger catastrophic claims. To avoid this risk, combine supplemental insurance with another major medical policy.
Expense Supplemental health insurance policies are normally more cost effective versus traditional health insurance. The lower cost is directly attributable to the lower benefit amounts that are offered as compared with traditional health insurance. For example, a traditional medical coverage might pay up to $1 million in total medical costs where a supplemental policy might cap benefits at $50,000. The actual dollar limit of benefits is based on the specific language in the policy. In some cases, this is the only health insurance that an applicant can find or can afford; in these cases it is better to have some limited coverage than to not have health insurance at all. Half of all bankruptcies in this country are attributed to health issues. One in two men will contract cancer and one out of three women will also. A contingency plan should be formulated to keep your family and finances thriving even in trying times.
time, but it was not even my area to assist the young man. Yet, in my heart, God told me to stop, listen and help. And several months later when he came to invite me to sit on the front row as he prepares to graduate from college, his words of thanks meant much more than that lunch would have meant. He shared with me that because I continued to follow up with the issue, he for the first time in his life now had his own transportation, had self respect and self esteem…..Priceless.
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left to right By Bernard Schultz, Joe C. Scultz & Rodrigo Suarez “Good decisions come from experience and experience comes from bad decisions.” Booker T. Washington. This is an undeniable truth; the only way to obtain experience is by living it and making decisions in the process. Who as a child did not burn him/herself before understanding that touching hot things
was bad? Life is full of experiences and making decisions is a part of life. Although making mistakes is a part of life certain decisions are life altering and merit taking more time to consider. When people are faced with these decisions they must be certain to make the right choice. An accident, big or small,
Often we ignore the spiritual aspect of influence when we are making a decision. We lean on our own understanding and then seek divine rescue when we’ve made a wrong choice. I’ve learned over the years that prayer preceding a major decision in my life is the only way to precede. Some people laugh when you talk about divine inspiration be-
cause they imagine God sitting on His throne shouting in an audible voice in a megaphone saying “This is the right way to go.” This picture is ridiculous, but when you have a relationship with God you become familiar with His voice Being in right fellowship with God is imperative when charting a new direction. It’s crucial that we go to the Master Creator who has a divine plan for our lives for guidance. He is the Alpha and Omega and knows the beginning and the end of all things. Following prayer you must listen intently. Listening itself is a discipline that I’ve had to develop over the years.
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is a life altering event. An accident, be it a car collision, a slip and fall, a broken bone, a dog bite, etc. affects your physical wellbeing, your ability to work and consequently your pocket. Common questions include: How will I pay my bills? My mortgage? How will I support my family? Like choosing a good medical doctor when you have an illness, great importance should be placed in choosing the right attorney when you are involved in an accident. Most people do not have an attorney like they do a family doctor. When they are faced with a tragedy they do not know what to do or who to call. Picking an attorney based on how pretty their advertisement is or dialing a phone number flashing on T.V. from a cheesy commercial should not be part of your decision making process. Making the right choice when choosing an attorney should be based on experience, record of success, and very importantly, personal service. Remember, when choosing an attorney making the right choice will determine your and your family’s future. Personal service is one of the chief complaints of most clients when it comes to their attorney. Personal service is what you should consider when making the right choice. Imagine going to a doctor because of a threatening illness; then imagine once you are in the doctor’s office your medical treatment and diagnosis is performed solely by office clerks, personal assistants and nurses. Although this sounds unreal, it
is common practice for many attorneys. The chief complaint of most clients is: I never even met my attorney; I only dealt with assistants and paralegals; or, my attorney never answers my phone calls. When you pay for professional services you should obtain your money’s worth. At Schultz & Schultz, Attorneys at Law we have almost 40 years of decision making experience. We have represented clients in many injuries, big and small. This family run law firm has recovered tens of millions of dollars throughout its existence in favor of its clients. Our combined experience from all our attorneys is used to benefit our clients. But our proven record of success is not only what separates us from the rest, but also, it is our personal attention to our clients. We have clients who have returned to us after 20 years. The great majority of our client base are from referrals from previous clients. It is not uncommon for us to receive a call asking for “My attorney Joe” or “Is Bernard there?” We have purposefully kept our practice small in order to give our clients the close personal attention they deserve. You never know when you will need us, so please, input our number in your cell phone 713-839-1403 and record it as “Attorney” or “Attorney Joe”. When you need us, we will be there. Remember, when Making the Right Choice is important, choose Schultz & Schultz, our record, our history and our personal attention is what sets us apart.
Sometimes our minds are so focused on the “what to do next” that we can’t hear God because we are so consumed by the decision we must make. Let go and put your ears in motion, they can do more than just wiggle. Listen on purpose with expectancy that God will answer your prayer. It’s called faith and it works. Several years ago I found myself in a terrible financial mess. I’d lost my home, my job, and what was left of my dignity. My only hope was in total relying on God for His divine direction in making
the right choice for my future. It was a difficult time and I was tempted to give up, but I sought God on what I should do next. This did not happen overnight, it was often a minute by minute walk of faith. Fear tried on many occasions to trip me up but I continued to pray, listen, and move in faith and God was faithful to lead me to a better place in life. I have the utmost confidence that He will do the same for you. Try God he works!
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Grace Prepaid Legal Group, Inc. (“Grace” or the “Company”) is a ground floor business in the Prepaid Legal Service Contract Industry. It is Grace’s purpose and mission to provide Legal Service Contracts (primarily individual and family legal service plans and business legal service plans) to its members via affordable payment plans ($25 per month for individual and family plan and $75 per month for business plan ). Grace’s plans allow access to legal representation in a manageable and predictable manner. Grace is not a law firm, and its owners, directors, and employees do not provide legal services or advice. Rather, by connecting the Company’s members to its experienced Provider Attorneys at lower, negotiated rates, Grace helps members, their families, and their businesses prepare for unforeseen legal needs much in the same way health insurance, home coverage, and automobile insurance allows insureds to plan and pay for unforeseen circumstances. Because Grace’s Provider Attorneys are selected from experienced law firms, members can expect effective and responsive service. For law firms to be considered for Grace’s Provider Attorney, they must: • Be in good standing with the state bar association. • Have a service philosophy that comports with the standards of Grace Prepaid Legal Group, Inc. • Understand and appreciate the legal needs of Grace’s Members. The engine of Grace runs on a home-based business model that utilizes “word-of-mouth” advertising— one of the most effective and wellproven marketing strategies in the world. This method allows a company to recruit a sales force of independent distributors who have the opportunity to start their own home-based business with very little investment up front and yet enjoy virtually unlimited earning potential. Both Grace and its independent sales distributors have interests and goals that are perfectly aligned, in that motivation and profits are shared to enhance the sales of legal service contracts. Direct sales are serious business in today’s economy. Recently, top comoctober 2009
panies have chosen direct sales as the most cost-effective method for marketing their products and services. According to Neil Offen, president of the Direct Selling Association, the direct sales industry has outperformed all other forms of retailing. Each week, more than 13,000 individuals become independent distributors for different companies across America. Precisely due to the effectiveness of direct selling, as well as its democratic and entrepreneurial spirit, Grace has adopted direct selling as one of its primary marketing strategies. By joining our sales force, you will have a special and rare commodity in this economy—the opportunity to succeed. And because the sales force of any company is a reflection of the company itself, Grace will provide the training necessary to its
Dr. Adams Tran & Karen Brooks sales distributors to take advantage of 2. You have full control that opportunity in the most effective • Be your own boss and ethical manner possible so that the • Set your own goals Company’s members can receive what • Reach a huge marketplace Grace seeks to offer: peace of mind. • No employees or inventory to manage
Top Five Reasons to Join Grace Prepaid Legal Group, Inc.
3. Minimal Out-of-Pocket Expenses • Low initial investment • Little or no overhead 4. Simple Training System 1. Distributors can decide when • Grace provides Sales and and where to work Leadership and Ethics training • No specific time commitment • Grace provides Product and required Services training • Spend your time as you choose 5. Lucrative Compensation Plan • Operate in the environment • Residual Income that meets their needs • Bonuses Helpful Steps: Find out what kind of loan you have by calling 1-800-7FANNIE OR 1-800-FREDDIE
ALTERNATIVES TO FORECLOSURE Special Forbearance Long term repayment plan that may involve temporary payment reduction or suspension while a borrower recovers from the cause of default. Loan Modification Permanent change to mortgage terms that reinstates a loan and reduces monthly payments through capitalized or re-amortized payment or through a lower interest rate Partial Claim Advance of insurance funds as a HUD interest-free second mortgage loan due when the mortgagor either pays off the first mortgage or no longer owns the property (only applicable to FHA loans). Pre-Foreclosure Sale Mortgagor sells the property at a price less than the outstanding balance. Deed-in-Lieu of Foreclosure Voluntary transfer of property title to the mortgagee or to HUD. www.
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