Business Journal 196th by d-mars.com

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BUSINESS JOURNAL

December 2023

Inspire, Inform & Educate

196th Edition

20-21

INSIDE

Houston’s Housing Crisis Strategies and Solutions

02 Celebrate Black History Month: 2024 Nominations Due January 5

09 I-45 North Highway Improvement Project (NHHIP)

2 | December 2023

Experience Our World of Advertising, Marketing, Media and Communication

December 2023 | 3

PUBLISHER’S MESSAGE As Vaskey Media Group celebrates the remarkable milestone of 24 years in business, our hearts overflow with gratitude for the incredible journey we’ve embarked upon. This significant anniversary is not just a marker of time but a testament to the unwavering dedication, passion, and resilience that have fueled our success. Each year has been a chapter in our story, filled with challenges that turned into opportunities and triumphs that turned into cherished memories. We express profound appreciation to our loyal customers, dedicated team members, and supportive partners who have been integral to our growth and prosperity.

It’s a journey marked by collaboration, innovation, and a shared commitment to excellence. Through the years, we have evolved, adapted, and thrived, guided by a vision of delivering quality and making a positive impact.

“In the end, it’s not the years in your life that count. It’s the life in your years.”

As we look back with gratitude, we also look forward with excitement, eager to embrace the future and continue our pursuit of excellence. To everyone who has been a part of our incredible journey, thank you for 24 years of trust, partnership, and shared success. Here’s to many more years of innovation, growth, and making a difference.

— Abraham Lincoln

MR. D-MARS CERTIFIED:

Houston

Minority Supplier Development Council

HMSDC

Port Houston

METRO

BEHIND THE JOURNAL

City of Houston

HISD

CONTENTS

20-21

ASSOCIATE EDITOR Émil Flemmon

04 AUTOMOTIVE

13-16 HEALTH & WELLNESS

ACCOUNTING MANAGER Eugenie Doualla

04 2024 Nissan Armada Pricing Starts At $55,450

14 Reframing How To Think About Type 1 Diabetes

05 BUSINESS

15 Dr. Woodard at HRI Cultivates Leadership In Emerging Student Cadre

WEB & GRAPHIC DESIGNER Edward Sanchez SR. BUSINESS DEVELOPMENT MANAGER Chivon Jones PHOTOGRAPHY Bruce Bell Grady Carter L.C. Poullard DISTRIBUTION Mike Jones CONTRIBUTING WRITERS d-mars.com Sanofi

05 Unique Challenges Faced By Black Men Business Owners 05 Seasonal Hardships for First-Time Black Business Owners 06 Game On: Sports Can Help Level the Playing Field for Women in Business

07 COMMUNITY 07 Houston’s Housing Crisis Strategies And Solutions 08 Cultivating Community Bonds: How Farmers Markets Benefits Growers And Consumers

11 DID YOU KNOW

18 Texas Children’s Hospital Shuts Down Healthcare Centers Serving Low-Income Communities

11 OLD FOLKS SAYING

11 “Back In The Day,We Didn’t Have Much, But We Had Each Other.”

20 REAL ESTATE 20 EaDo’s Set to Revitalizin Warehouses Into Stylish Restaurants and Boutiques

22 TECHNOLOGY 22 Tips To Lower Your Energy Costs This Winter

11 Ed Welburn

26 TRAVEL

10 EDUCATION & CAREER

26 5 Tips to Breeze Through Holiday Travel

10 Empowering Excellence The Thriving Success Of Black Schools In Houston

26 Why Exploring Houston Is An Adventure Worth Taking

10 Mastering the College Application Process 7 Essential Tips for Success

24 RECIPE OF THE MONTH

18 FINANCE

DBE

HHF CB/LB

ADVERTISING | MARKETING MEDIA | COMMUNICATION

Thank You To Our Supporters for 24 Years

CHIEF OF STAFF & MANAGING EDITOR Kimberly Floyd

VBE

OUR SERVICES

COVER STORY

PUBLISHER & CEO Keith J. Davis, Sr.

SENIOR GRAPHIC DESIGNERS Emma Aguiñaga Kendra Wiseman

HUB

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

24 Gingerbread Wonderland: Crafting A Christmas Classic

18 Deciphering Auto Insurance Survey Exposes Knowledge Gaps in Younger Drivers 18 How To Score A Financial Touchdown This Football Season

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4 | December 2023 AUTOMOTIVE

2024 NISSAN ARMADA PRICING STARTS AT $55,450

Full-size SUV combines strength and capability with advanced tech and driver assistance features By d-mars.com News Provider

ffering an impressive maximum towing capacity of up to 8,500 pounds1, family-friendly spaciousness and the largest standard infotainment screen in its class2, the 2024 Nissan Armada is on sale now with a starting Manufacturer’s Suggested Retail Price (MSRP)3 of $55,450.

Armada’s capability includes a refined 5.6-liter Endurance® V8 rated for 400 horsepower and 413 lb-ft of torque, supporting a towing capacity of up to 8,500 pounds. Standard Nissan Safety Shield® 3604, class-exclusive Intelligent Forward Collision Warning5 and class-exclusive available Intelligent Around View Monitor6 contribute to even greater confidence. Intuitive connectivity includes the largest standard infotainment screen in its class, a 12.3-inch HD screen with standard Android Auto™ and wireless Apple CarPlay®, Amazon Alexa Built-In7, four standard USB ports and wireless device charging. Appealing available features include 22-inch wheels, a 13-speaker Bose® audio system and a Midnight Edition package comprising black interior and exterior trim pieces. For the 2024 model year, Armada’s streamlined model lineup consists of three well-equipped grades, now starting with SV and moving up to SL and Platinum, with a choice of rear-wheel drive or Nissan’s advanced Intelligent 4WD system8 with a two-speed transfer case. Source: Nissan Newsroom Experience Our World of Advertising, Marketing, Media and Communication

December 2023 | 5 BUSINESS

3. Networking Opportunities Establishing meaningful connections in the business world is crucial for growth, yet Black men may face disparities in networking opportunities. Creating spaces that facilitate networking, mentorship, and collaboration can help address this imbalance and provide Black men entrepreneurs with the support needed to navigate the business landscape.

UNIQUE CHALLENGES FACED BY BLACK MEN BUSINESS OWNERS

4. Representation and Role Models The importance of representation cannot be overstated. Black men entrepreneurs may find a lack of relatable role models and mentors within their industries, which can impact their ability to envision and achieve success. Building mentorship programs, fostering industry diversity, and sharing success stories are essential steps toward creating a more inclusive entrepreneurial landscape. 5. Mental Health The pressures of entrepreneurship, coupled with societal expectations, can contribute to mental health challenges for Black men business owners. Breaking the stigma surrounding mental health, promoting self-care, and fostering supportive communities can play a pivotal role in addressing the unique mental health needs of Black male entrepreneurs.

scale their businesses. However, studies suggest that Black men may face additional hurdles in securing funding due to intersectional biases. Overcoming News Provider these challenges requires fostering relationships with While both Black men and women face challenges ntrepreneurship is a journey marked by chal- investors, leveraging community resources, and ad- in the entrepreneurial realm, acknowledging and addressing the unique obstacles encountered by Black lenges and triumphs, and for Black men busi- vocating for more inclusive funding practices. men business owners is crucial for fostering a more ness owners, the path can present distinctive equitable business landscape. By promoting access to obstacles. In comparing the experiences of Black men 2. Stereotypes and Bias and women entrepreneurs, it becomes evident that Stereotypes surrounding masculinity can impact how capital, challenging stereotypes, expanding networkeach group faces unique challenges shaped by societal, Black men business owners are perceived within their ing opportunities, encouraging representation, and economic, and cultural factors. industries. Overcoming preconceived notions and prioritizing mental health, society can contribute to biases is a constant battle, requiring resilience and the success and well-being of Black men entrepreneurs. 1. Access to Capital a commitment to breaking through societal expecBlack men, like their female counterparts, often en- tations. Networking, mentorship, and highlighting counter difficulties in accessing capital to fund and business achievements can help combat stereotypes. By d-mars.com

strategies can contribute to long-term financial stability.

By d-mars.com News Provider

s fall and winter seasons unfold, many first-time Black business owners find themselves facing unique challenges on their entrepreneurial journey. From adapting to seasonal consumer trends to addressing weather-related obstacles, these entrepreneurs encounter a set of hardships that require resilience and strategic planning.

5. Community Engagement Establishing a strong connection with the local community is essential for any business, but it becomes even more critical during fall and winter. Firsttime Black business owners should consider organizing seasonal events, collaborating with other local businesses, and engaging in community outreach to foster lasting relationships.

1. Consumer Trends Fall and winter bring a shift in consumer behavior, influencing purchasing patterns and preferences. Firsttime Black business owners must stay attuned to these trends to ensure their products or services remain relevant. Understanding the demand for seasonal offerings and adapting marketing strategies accordingly can be crucial for sustaining business growth.

While fall and winter seasons present unique challenges for first-time Black business owners, they also offer opportunities for growth, community engagement, and strategic innovation. By remaining adaptable, proactive, and resilient, these entrepreneurs can navigate the seasonal hardships and build scheduling. Implementing contin- efficient supply chain management, a foundation for long-term success in gency plans and diversifying revenue and leveraging online platforms can the business landscape. streams can help mitigate the impact assist in navigating the complexities of weather-related challenges. of the holiday rush.

2. Weather-Related Impacts Depending on the nature of the business, weather conditions can significantly impact operations. For example, retail businesses may experience a decrease in foot traffic due to inclement weather, while service-oriented businesses may face disruptions in

3. Holiday Season Pressures The holiday season, while often lucrative, comes with its own set of pressures for first-time Black business owners. Managing increased demand, maintaining sufficient inventory, and providing exceptional customer service become paramount. Adequate planning,

Seasonal Hardships for First-Time Black Business Owners

4. Financial Strain The seasonal nature of fall and winter can lead to financial strain for first-time Black business owners. Fluctuating revenue streams may pose challenges in meeting operational costs. Building a financial cushion during peak seasons and exploring cost-effective marketing

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6 | December 2023 BUSINESS

GAME ON Sports Can Help Level the Playing Field for Women in Business

By d-mars.com News Provider

n the wake of an electrifying sports season with record-breaking viewership for the WNBA and landmark victories for women athletes globally, Deloitte released “The Impact of Sports on Women’s Professional Success,” new research that looks at the interplay between athletic experience and women’s professional accomplishments. According to the survey, 85% of women who played sports say the skills they developed were important to success in their professional careers. With the women’s matches of the U.S. Open and the Women’s World Cup shattering viewership records, it’s an ideal time to take a look at the role sports can play in the development and success of women in business.

MANY ROADS LEAD TO THE TOP Of course, playing sports is just one of many pathways where young girls can follow their interests and cultivate critical life skills. For instance, robotics or coding clubs may help sharpen abilities around logical reasoning and problem-solving, volunteer work can foster empathy, social awareness and the importance of giving back to one’s community, and the debate team and drama club may help with collaboration, confidence and public speaking. The common thread, though, is the ability to gain the transferable skills that are valued by many employers today.

THE NEXT GENERATION OF WOMEN LEADERS The right environment to grow and develop new hobbies and skills could THE INTERSECTION OF SPORTS AND be integral to meeting current and future PROFESSIONAL SUCCESS goals. When it comes to sports, clubs Sports can be a great training ground and activities, several factors, like an for the future. The research found that encouraging coach 91% of surveyed women in leadership or motivational roles attribute their success in business team captain, to their sports backgrounds. can make all the The women surveyed said the difference in one’s skills they’ve developed playing ability to excel. sports include teamwork (69%) and Simila rly, a n leadership (41%), followed by managing stress empathetic and and pressure (36%), problem-solving abilities forward-thinking (35%) and effective communication (34%). employer who And these skills aren’t just helping with home champions team victories, they’re setting women up to women in t he win in the workplace. The perceptions around workplace can significantly impact opportunities for the power of sports show an impressive 61% of all professional growth and development. An employer respondents agree that girls who engage in sports that values, empowers and intentionally invests in are likely to have successful careers. women professionals can help to create winning teams, leaders and companies.

Deloitte has fostered many firsts for women at work, starting in 1935 when Jennie Palen became the first woman to hold a managerial role at a lead accounting firm. She paved the way for all women professionals, as well as Deloitte’s first woman chair in 2003 and the first woman CEO of any Big Four organization in 2015. These are not just historical footnotes; they reflect a culture that is deeply committed to nurturing the professional growth of women. “Deloitte has a longstanding history of supporting the advancement of women and we are proud of the invaluable contributions of the many women leaders in our organization. While progress has been made advancing women in society, we know there is more work to be done. Supporting the development of girls’ leadership skills throughout their youth will help prepare them to be our next generation of leaders,” said Jason Girzadas, CEO, Deloitte US. FLOURISHING ON AND IN YOUR FIELD The data paints a vivid picture: sports can serve as a catalyst for women’s career success. And to increase the chances of winning the long game, a workplace that champions its women can help keep the momentum going and provide the environment to thrive. The next time you walk past a school soccer field or see a flier for the next coding competition, remember that these are more than just extracurriculars. They are foundational experiences, helping to shape the character and skill sets of the next generation of women leaders.

Experience Our World of Advertising, Marketing, Media and Communication

December 2023 | 7 COMMUNITY

currently serves as the President and CEO of HHA, having taken on the role in February 2022. Northern, with a background in affordable housing and urban planning, brings extensive experience to his position, having previously served as the president and CEO of the Housing Authority of the Birmingham District, the largest housing authority in Alabama. Under Northern’s leadership, HHA has made significant strides in expanding affordable housing options. Initiatives such as the Moving to Work Plan, designed to use federal resources more efficiently, and the Family Self-Sufficiency Program, empowering families to achieve economic self-sufficiency, are and a shortage of 864,338 affordable notable accomplishments. HHA is also By d-mars.com units for households at or below 50% actively engaged in projects like proNews Provider Area Median Income (AMI). The re- viding and installing air-conditioning port also notes a worsening shortage units in public housing and installing ccording to a recent report of affordable rental homes Flock Security Systems from the National Low Income between 2019 and 2021. to enhance safety across Housing Coalition (NLIHC) titled “The properties. To address these challengGap: A Shortage of Affordable Homes,” Northern recognizes Texas ranks as the sixth-worst state in es, the city of Houston has the challenges of adthe U.S. for affordable housing for ex- turned to the Houston dressing the shortage tremely low-income renters. Houston, in Hou si n g A ut hor it y of affordable housing particular, is identified as the fifth worst (HHA). Established in in Houston, exacermetropolitan city in the country. The 1938 as an independent bated by factors such Texas Affiliation of Affordable Housing entity by the Houston as gentrification and Providers (TAAHP), a non-profit trade City Council, HHA aims rising housing costs. To association, emphasized key findings to provide decent, safe, and tackle this issue, HHA from the report, highlighting the urgent sanitary housing for low is implementing innoneed for more affordable housing in to moderate-income famvative solutions like Texas and the Greater Houston area. ilies. Today, HHA is one mixed-income housing developments Key statistics include 22% of all Texas of the nation’s largest housing authorand actively advocating for fair housing rental households being extremely low ities, serving over 60,000 low-income policies and federal funding. income, 79% facing severe cost burdens, Houstonians. David A. Northern, Sr.,

Houston’s Housing Crisis STRATEGIES AND SOLUTIONS

“Upon my arrival at the Houston Housing Authority, one of the significant challenges was addressing the shortage of affordable housing in the city, a challenge that has been exacerbated by factors such as gentrification and rising housing costs,” during an interview. He added, “We are implementing innovative solutions like mixed-income housing developments, which can help prevent displacement and create economic opportunities for low-income families.” Reflecting on his career, Northern emphasizes the profound impact of affordable housing on people’s lives and his commitment to social justice and community development. He encourages young, aspiring African Americans interested in this field to focus on networking, mentorship, and thinking beyond established limitations. His goal at HHA is to leave a legacy of progress, compassion, and innovation in the affordable housing sector, making HHA a model for other organizations, demonstrating that collaborative efforts and forward-thinking strategies can address the affordable housing crisis and improve the lives of Houstonians. For more information about the Houston Housing Authority (HHA), visit their website at: [https://housingforhouston.com/](https://housingforhouston.com/).

In the Business Community…

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13th Annual BPA Holiday Social and Toy Drive Experience Our World of Advertising, Marketing, Media and Communication

8 | December 2023 COMMUNITY

Cultivating Community Bonds HOW

Farmers

Markets

BENEFITS GROWERS AND CONSUMERS By d-mars.com News Provider

armers markets are strong contenders for the future of local food. Each season, more than 8,000 markets sell directly to consumers across the U.S. Direct-to-consumer food sales totaled $2.9 billion in 2020, and on-farm stores and farmers markets accounted for $1.7 billion, according to the United States Department of Agriculture. Farmers markets are a boon to local communities because they provide fresh produce at affordable prices. More importantly, they empower community members to understand where their food comes from and who grows it, creating strong interpersonal connections between growers and consumers. The idea of selling produce at a farmers market can seem daunting to many food producers. However, Chip Ross, well-being program manager at Syngenta, encourages growers to be open to selling at farmers markets. “It’s certainly something to put yourself out there and build a positive reputation about your produce,” said Ross.

INVESTING MONEY AND LABOR TO REAP REWARDS On average, across the country, farmers market booth fees vary based on the market’s location, size and popularity. According to Medium, daily booth fees can range from $20 to $50, in addition to permit and insurance fees. While these costs may discourage growers from participating, the connections they make at farmers markets can turn strangers into lifelong customers. For 30 years, Donna and Ed Welchert of Ed Welchert Produce in Ft. Calhoun, Nebraska, have attended the Omaha Farmers Market every Sunday from May to October to sell their fresh vegetables. Each Sunday, the Welcherts spend three hours removing their produce from the truck and setting up their booth. While the weekly setup requires more labor and costs, joining has brought them more business. “We pay an annual fee for our booth, around $1,100, and we’re in the same exact spot every week, every year,

so everybody knows how to find us,” said Donna. “We’ve gained tons of customers who have been with us for years.” Interacting with customers in person at the farmers market and through social media has helped the Welcherts build community connections. These connections allow consumers to get to know their growers on a personal level and reach out directly with any questions or requests.

WEATHER THE WEATHER, WHATEVER THE WEATHER Weather has a major effect on crop yields and food traffic at the farmers market, impacting growers’ sales. One common disadvantage is a lack of overhead booth coverings, which means harsh weather may damage booths, displays and products. Zoua Lo, owner of Lu’s Flowers and Vegetables, knows all too well that sales are largely dependent on the weather. “If it’s a rainy day, we don’t have any customers. If it’s a nice day, we have lots of customers,” Lo said. Despite being at the mercy of the weather, Lo and other growers persist. While selling at a farmers

market can be a gamble depending on the weather, maintaining a consistent presence at the market long-term can offset the poor sales days. THE HUMAN ELEMENT Donna Welchert says when attending a farmers market, bringing ample produce is always a good idea. “A long time ago, we were told to ‘stack it high and watch it fly,’” she says. “We live by this motto, and we found that people want to pick out their own stuff. They want to look through the peppers and say, ‘This is the one I want.’” By shopping at a farmers market, consumers can find the perfect produce with the guiding hand of those who nurtured the vegetable or fruit from seed to stall. It’s this human element that makes the farmers market experience unique for sellers and buyers and leads to better profits for growers. Lo agrees. She believes the key to success at a farmers market is simply talking to customers and fellow vendors. Being friendly and connecting with the community builds long-lasting relationships that can buoy growers through good and bad days. These are just a few examples from growers of how farmers markets are more than just a platform for commerce. These spaces are hubs for connection, education and communit y building that ultimately contribute to the longevity of farming communities. To learn more about farm production and the wider agricultural community, visit SyngentaThrive.com.

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December 2023 | 9

Control Section Job (CSJ): 0912-00-146

DECEMBER 2023

PUBLIC MEETING SERIES CHANGES FOR THE BETTER The Texas Department of Transportation (TxDOT) invites you to the I-45 NHHIP “Changes for The Better” public meeting series. The purpose of these public meetings is for TxDOT to update the public on overall project status, design refinements, details regarding the Voluntary Resolution Agreement (VRA) and future construction schedule in an open house format. The public meeting series includes two public meetings for each of the three segments (in-person and a live virtual meeting). Please note that both the virtual and in-person public meetings will be conducted in English with real-time Spanish translation.

PUBLIC MEETING SERIES SCHEDULE SEGMENT 3* (DOWNTOWN ROADWAYS) IN-PERSON:

VIRTUAL:

St. John’s Downtown Church 2019 Crawford St., Houston, TX 77002 5 -7 P.M.

5 -7 P.M.

Wed., Dec. 6, 2023

PRESENTATION: 5:15 P.M.

The project limits are I-45 from US 59/I-69 to Beltway 8 North, including improvements on US 59/I-69 between I-45 and Spur 527 in Harris County, Texas. The Segment 3 public meetings will also present proposed design changes specific to the Segment 3B re-evaluation. Segment 3B limits are US 59/I-69 from State Highway (SH) 288 to I-45.

Feedback from the public regarding the project may be submitted in any language by mail to: TxDOT I-45 NHHIP Ombudsman, TxDOT Houston District, P.O. Box 1386, Houston, Texas 77251-1386. Feedback may also be submitted by email to: nhhip.ombudsman@txdot.gov or HOU-PIOwebmail@txdot.gov. All feedback must be received or postmarked by Fri., January 5, 2024.

PRESENTATION: 5:15 P.M.

www.nhhippublicmeetings.com/Segment3 or scan the segment QR code

*Meeting will feature design changes and seek public feedback specific to the Project 3B reevaluation.

SEGMENT 2 (I-45 FROM I-10 TO I-610) IN-PERSON:

VIRTUAL:

Moody Community Center 3725 Fulton St., Houston, TX 77009 5 -7 P.M.

5 -7 P.M.

Mon., Dec. 11, 2023

PRESENTATION: 5:15 P.M.

PROJECT DESCRIPTION

Thu., Dec. 7, 2023

Tue., Dec. 12, 2023 PRESENTATION: 5:15 P.M.

www.nhhippublicmeetings.com/Segment2 or scan the segment QR code

SEGMENT 1 (I-45 FROM I-610 TO BELTWAY 8) IN-PERSON:

VIRTUAL:

Aldine Ninth Grade Center 10650 North Fwy., Houston, TX 77037 5 -7 P.M.

5 -7 P.M.

Thurs., Dec. 14, 2023

PRESENTATION: 5:15 P.M.

Wed., Dec. 13, 2023 PRESENTATION: 5:15 P.M.

www.nhhippublicmeetings.com/Segment1 or scan the segment QR code

Should you need assistance with meeting access services, translation services, or other accommodations, please call (713) 802-5199 no later than 4 p.m. by the following dates for: •Segment 3 meetings, Thurs., Nov. 30, 2023 •Segment 2 meetings, Mon., Dec. 4, 2023 •Segment 1 meetings, Fri., Dec. 8, 2023 If you do not have internet access, you may call (713) 866-7040 between the hours of 8 a.m. and 5 p.m., Monday through Friday, to ask questions and access project materials during the project development process, by appointment only with TxDOT staff. Those without internet access are encouraged to attend in-person meetings.

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10 | December 2023 EDUCATION & CAREER

Mastering the College Application Process

7 Essential Tips for Success

EMPOWERING EXCELLENCE The Thriving Success of Black Schools in Houston By d-mars.com News Provider

n recent years, Black schools in Houston have been making remarkable strides, showcasing a commitment to academic excellence, community engagement, and the empowerment of students. These institutions, once overlooked, are now emerging as vibrant hubs of learning, innovation, and cultural enrichment.

Investment in Resources One key factor contributing to the success of Black schools in Houston is a renewed commitment to providing resources and facilities that foster an optimal learning environment. Educational leaders and policymakers have recognized the importance of equitable distribution of resources, ensuring that students have access to updated textbooks, technology, and well-maintained facilities. This commitment has created an environment where both educators and students can thrive. Culturally Relevant Curriculum Community involvement is a cornerstone of the success of Black schools in Houston. Local businesses, community leaders, and parents are actively engaged in supporting educational initiatives. Partnerships between schools and community organizations have led to mentorship programs, career development opportunities, and extracurricular activities that enrich the overall educational experience. This collaboration has created a sense of unity and collective responsibility for the success of the students.ore inclusive and empowering learning experience. Community Involvement and Support Community involvement is a cornerstone of the success of Black schools in Houston. Local businesses, community leaders, and parents are actively engaged in supporting educational initiatives. Partnerships between schools and community organizations have led to mentorship programs, career development opportunities, and

By d-mars.com News Provider

ith many moving parts and high stakes involved, it’s essential to approach extracurricular activities that enrich college applications with a well-thought-out plan. From planning to budgthe overall educational experience. This eting to submitting your application, here are seven tips for navigating collaboration has created a sense of the typical college application process. unity and collective responsibility for the success of the students. * Create college application application journey journey * Createa atimeline timelinefor foryour yourcollege collegeapplication. application. The The college requires meticulous planning and ample time for execution. When you begin Excellence in requires meticulous planning and ample time for execution. When you begin applying, create a timeline with clear deadlines. This way, you’ll know when you applying, create a timeline with clear deadlines. This way, you’ll know when you Extracurricular Activities need to finish each step and won’t get overwhelmed by the number of tasks ahead. need to finish each step and won’t get overwhelmed by the number of tasks ahead. Black schools in Houston are not only excelling in academics but also making schools offer offer Early Early * Identifykey keymilestones milestonesrelated relatedtotoyour your applications. applications. Some Some schools a mark in extracurricular activities. * Identify Decision or Early Action options, with different deadlines from the standard decision Decision or Early Action options, with different deadlines from the standard Whether it’s sports, arts, or leadership personalSet deadlines toodeadlines for gathering recommendations, crafting your decisionSet deadline. personal too for gathering recommendations, programs, these schools are nurturing deadline. essays and submitting your transcripts. Leave room for hiccups too. crafting your essays and submitting your transcripts. Leave room for hiccups too. well-rounded individuals. The success of their athletic teams, artistic peryour schools. Not areare a perfect fit.fit. That’s why it’s it’s important * Research your schools. Notallallcolleges colleges a perfect That’s why imporformances, and student-led initiatives * Research to find a school that aligns with your academic, personal and career goals. Dive tant to find a school that aligns with your academic, personal and career goals. is not only a source of pride for the into what makes each institution unique and how it may line up with your values Dive into what makes each institution unique and how it may line up with your schools but also a testament to the interests. Explore their academic programs, extracurricular offerings, campus values and interests. Explore their academic programs, extracurricular offerings, dedication of educators in developing and culture and location. campus culture and location. the holistic potential of each student. Innovative Teaching Methods thecost cost of oftuition tuitionasaswell wellas asthings things * Figureout outyour yourfinancial financialaid aidoptions. options. Note Note the In response to the evolving landscape * Figure like room and board, books and program fees. Look into whether the school offers like room and board, books and program fees. Look into whether the school offers of education, Black schools in Houston scholarships, grants, financial aid or work-study opportunities. If you need additional scholarships, grants, financial aid or work-study opportunities. If you need addiare adopting innovative teaching methto funds cover costs thatcosts federal student scholarships and grants and don’tgrants cover, tional to cover that federalloans, student loans, scholarships ods. From incorporating technology in funds consider a private student loan from your trusted bank or credit union. Lenders don’t cover, consider a private student loan from your trusted bank or credit union. classrooms to promoting project-based Navy like Federal offer private student loans for a semester or the Lenders NavyCredit FederalUnion, Credit Union, offer private student loans for a semester learning, educators are adapting to the like entire academic year up to the school-certified cost of attendance. or the entire academic year up to the school-certified cost of attendance. needs of 21st-century learners. This adaptability ensures that students are applications. In Inmost mostcases, cases, there thereare arecosts costs inin* Buildaabudget budgetfor foryour your college college applications. not only academically proficient but * Build volved, including school application fees, fees to send test scores and fees to send volved, including school application fees, fees to send test scores and fees to send also equipped with the skills necessary school savings goal goal and and high schooltranscripts. transcripts.Students Studentsand andparents parentsshould shouldidentify identify aa savings for success in a rapidly changing world. high setset money aside just for the college application process. If you’re a low-income money aside just for the college application process. If you’re a low-income Celebrating Achievements student, youyou may getget waivers forfor both SAT/ACT testingand andcollege collegeapplications. applications. student, may waivers both SAT/ACT testing Houston’s Black schools are not only Military members and Veterans may also be eligible for application feewaivers. waivers. Military members and Veterans may also be eligible for application fee thriving academically but are also Ask your high school guidance counselor or college’s financial aid department Ask your high school guidance counselor or college’s financial aid department ifif celebrating the achievements of their these waivers apply to you. these waivers apply to you. students. Recognizing and celebrating success stories, be it academic accom- * Prepare will look lookatatyour yourtest test * Prepareyour yourapplication applicationtotohelp helpyou youstand standout. out. Colleges Colleges will plishments, community service, or scores and GPA, but they also want to know more about who you are as a student scores and GPA, but they also want to know more about who you are as a student artistic achievements, creates a posi- and requirements, such suchas asresumes resumesand andessays, essays, andprofessional. professional.Extra Extraapplication application requirements, tive and motivating atmosphere. This showcase your skills and what makes you unique. Make sure you prepare for showcase your skills and what makes you unique. Make sure you preparethese for acknowledgment reinforces the idea important components of your college This canThis alsocan include passion these important components of your applications. college applications. also include that every student has the potential projects, and honors.and honors. passionacademic projects,achievements academic achievements to excel and contribute meaningfully to society. * Submit deadlines approach, approach,double-check double-check * Submityour yourapplication applicationto tothe theschool. school.As As your your deadlines In conclusion, the success of Black your applications for accuracy and ensure you have all the materials you need. For your applications for accuracy and ensure you have all the materials you need. schools in Houston is a testament to example, create a checklist that covers all your bases, such as proofreading your For example, create a checklist that covers all your bases, such as proofreading the power of investment, cultural in- application, submitting test scores and payingand anypaying application fees. Once fees. completed, your application, submitting test scores any application Once clusivity, community support, and in- submit your applications with confidence. Take pride in knowing you’ve put your completed, submit your applications with confidence. Take pride in knowing novative education practices. As these best foot put forward. you’ve your best foot forward. schools continue to thrive, they not only empower the current generation of students but also pave the way for The college application process is an adventure, but with careful planning, you’ll a brighter and more inclusive future find the perfect school that fits your goals for the future. for education in Houston and beyond.

Source: NNPA

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December 2023 | 11

“Back in the day, we didn’t have much, but we had each other. Remember, a full heart is richer than a full pocket.”

DID YOU KNOW? ED WELBURN, a renowned figure in Detroit’s design scene and former Vice President of Global Design at General Motors, earned acclaim for revitalizing the aesthetic appeal of the company’s vehicles. Car and Driver hailed Welburn as the individual responsible for restoring beauty to General Motors. His influence extended to over 500 diverse automobile designs, encompassing vehicles that not only achieved record speeds on racetracks but also excelled in sales. Notably, Welburn holds the distinction of being the highest-ranking Black-American in the global automotive industry.

Photo Credit: Lone Star College

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12 | December 2023

August23 TWENTY - TWENTY FOUR

nominations Please submit your nominations for the Top 30 Influential Women of Houston Awards. The nomination deadline is April 1, 2024. Please send bios and Word documents, 400-450 words (include the nominee’s contact information). Top 30 Influential Women of Houston Awards Nomination Process: Candidates may nominate themselves or be nominated by others. We seek a diverse group of candidates who share a commitment to business growth, professional excellence and the community--- women who are shaping the economic future of large and small corporations or independent firms. The awards are open to women who are business owners or senior executives in the public, private or nonprofit sectors. EMAIL NOMINATIONS TO OPERATIONS@TOP30WOMEN.COM BY APRIL 1, 2024 If there are any questions, please call 713.373.5577 or email operations@top30women.com

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d-mars.com FREE

HEALTH & WELLNESS JOURNAL

December 2023

Inspire, Inform & Educate

50th Edition

Reframing How To Think About Type 1 Diabetes 14

INSIDE

Bee Fit Foods

Texas Children’s Hospital Shuts Down Healthcare Centers Serving Low-Income Communities

Dr. Woodard at HRI Cultivates Leadership in Emerging Student Cadre

14 | December 2023 HEALTH

REFRAMING How to Think About Type 1 Diabetes

By Sanofi News Provider

pproximately one in 10 Americans (37.3 million people total) have some type of diabetes. While as many as 95% of these cases are classified as type 2 diabetes, the number of people living with type 1 diabetes is increasing over time. It’s for this reason it is critical to raise awareness for the signs and symptoms of type 1 diabetes, with the goal of ensuring that people of all ages understand the importance of early detection. To do so effectively, however, it’s important that we begin by expanding our collective understanding of type 1 diabetes, which is distinct from type 2 diabetes despite both being forms of “diabetes mellitus.” While type 2 diabetes is a metabolic disorder, with lifestyle factors playing a role in development, as well as genetic factors, type 1 diabetes is an autoimmune disorder that can arise from environmental or genetic factors. Just consider that if anyone in your family has type 1 diabetes, you’re up to 15 times more likely to be diagnosed. Additionally, although type 1 diabetes often develops in children, teens and young adults, it can affect anyone at any age. In fact, recent data show that over 50% of new cases of type 1 diabetes occur in adults. Type 1 diabetes also cannot be prevented or cured. But what’s perhaps most critical to know about type 1 diabetes isn’t just its prevalence, it’s the fact that it can be detected early through autoantibody screenings. Because type 1 diabetes develops in stages over time, there are blood tests that can detect type 1 diabetes before any noticeable symptoms arise, before insulin is required and potentially

before any life-threatening complications occur. One such example of this is a condition known as diabetic ketoacidosis (DKA), which is a serious complication that develops when you don’t have enough insulin to let blood sugar into your cells. As a result, your liver is forced to break down fat for fuel, producing dangerous levels of acids called ketones in your body that can lead to coma or even death. Unfortunately, for individuals who have undiagnosed type 1 diabetes, DKA is far too often how they find out they have diabetes - with as many as 40% of DKA cases stemming from those who are newly diagnosed. When it comes to type 1 diabetes, early screening may give you more time to prepare. The more you know, the more you can plan ahead. Take control of the future now by talking to your doctor about getting screened and participating in The 1 Pledge movement, which is being led by Sanofi. Take the pledge to get screened for type 1 diabetes at The1Pledge.com, where you can also find more educational information. Follow and use #ScreenForType1 to join the conversation on social media. It’s time that we change the story around type 1 diabetes. Not knowing is simply no longer an acceptable option. Get screened today. Sanofi does not provide medical advice, diagnosis, or treatment - information is provided for educational purposes only. Your doctor is the best source of health information. Talk to your doctor if you have any questions about your health or treatment. Source: BrandPoint

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December 2023 | 15 HEALTH

Dr. Woodard at HRI Cultivates Leadership in Emerging Student Cadre approach involves understanding the needs of our “It’s crucial to consider sustainability from the outset. community partners, identifying challenges, and then When addressing a community need, our aim is to News Provider developing strategies for effective solutions.” establish a sustainable approach that ensures ongoing A group of University of Houston students The first HEALTH–RCMI Student Cadre was support, avoiding situations where benefits are prois actively working to address the needs of launched, featuring a cohort of creative and talent- vided and then withdrawn due to shifts in funding Houston’s marginalized communities. The ed UH students who began forging partnerships in or other priorities. We are committed to creating a lasting path to continually address the needs of the inaugural HEALTH-RCMI Student Cadre has com- Houston’s Third Ward. communities we are dedicated to serving.” mitted a year to engaging, serving, and uplifting the Third Ward community. Under the guidance of Dr. In 2022, the inaugural HEALTH–RCMI Student When it comes to assisting fellow early-stage invesLeChauncy Woodard, M.D., M.P.H., the director Cadre kicked off, with a group of innovative and tigators eager to embark on their careers, Woodard of the community engagement core at HEALTH- skilled UH students initiating collaborations in openly shares the insights that have shaped her distinguished career. RCMI, their community involvement approach em- Houston’s Third Ward. “When engaged in work that rephasizes active listening, cultural humility, volves around the community, my and long-term sustainability. most crucial piece of advice is to The foundation of their approach lies in acprioritize listening,” Woodard emtively listening to the community’s needs. The way I’ve encouraged the phasized. “Approach it with genThe objective is to develop solutions that uine curiosity—a willingness to students to approach their not only meet current community needs listen and honor the significant but also remain sustainable over the long work right from the start is efforts already underway in the term, avoiding the common pitfalls of to listen attentively to the community. It’s about collaborating projects that falter when priorities shift to further the existing priorities that or funding becomes uncertain. needs expressed by our comhold importance in the community.” “Instead of students proposing, ‘We have munity partners this idea to assist the community; let’s go Woodard explained. out and execute this project,’ we encourage them to actively listen to the community they are serving,” she explained. “Our By d-mars.com

Whatever happens in our community, we’re here, ready to serve. Providing Level I trauma care at Ben Taub Hospital for people experiencing the worst day of their lives.

afford healthy food. Offering the gold standard in nursing at our Magnet®-recognized Lyndon B. Johnson Hospital. Treating everyone with respect, compassion and gratitude for giving us the opportunity to care for them, work with them, know them. You may not know our name. And that’s okay. YOU’LL KNOW US BY THE WORK WE DO.

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16 | December 2023

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18 | December 2023 HEALTH

Photo Credit: Lone Star College

Texas Children’s Hospital SHUTS DOWN Healthcare Centers Serving Low-Income Communities and low-income patients, aims to bridge the gap created by the closure. However, concerns persist about the added burden on vulnerable families, potentially requiring longer travel times or increased commitment to access essential services.

Texas Children’s Hospital is set to close two healthcare centers in Houston, affecting low-income families. The Centers for Children and Women in the Greenspoint area and southwest Houston will shut down in the coming months, with the Greenspoint location closing on Dec. 1 and the “For those of us fortunate to own a car, the process of southwest location on June 30, 2024. hopping in, driving to any destination, parking, and affording parking fees is relatively straightforward. However, a significant portion of the population depends on family, friends, or public transportation for their mobility,” expressed Chen.

By d-mars.com News Provider

wo medical facilities catering primarily to low-income families in Texas Children’s Hospital are set to close soon, raising concerns about healthcare accessibility for vulnerable patients. The decision has left parents like Olivia Ojeda uncertain about the future logistics of scheduling and commuting to her children’s doctor appointments. Visiting the Center for Children and Women in the Greenspoint area for the last time, Ojeda expressed her disappointment, emphasizing the convenience of “Our concern is that numerous families having comprehensive services like pregnancy care, dentistry, and eye care in one location. “Our is that numerous families may face mayconcern face challenges in obtaining imchallenges in obtaining immediate access to essential mediate to monitoring essential services. services. Weaccess are closely the situation, ready outreach efforts ifthe necessary, to help We to areinitiate closely monitoring situation, bridge the gaps in care for those in need.”

ready to initiate outreach efforts if necessary, to help bridge the gaps in care for those in need.”

Texas Children’s Hospital confirmed the closure of both centers, originally established in 2013, exclusively for its Health Plan members. The Greenspoint location is scheduled to close on December 1, while the southwest Houston facility will operate until June 30, 2024. The closures raise concerns about the potential impact on underserved populations, prompting organizations like the HOPE Clinic to prepare for increased demand. HOPE Clinic, with multiple locations serving uninsured, under-insured,

Per reports, a representative from Texas Children’s Hospital elucidated the rationale behind the closures, citing a “significant drop in utilization over the last decade.” The hospital expressed a commitment to adapt to the evolving landscape of Houston, aiming to enhance access to care for all families. While a new plan is in the works to amplify healthcare access, specific details remain undisclosed. The hospital assures that no patients will lose care or coverage during this transitional phase, emphasizing that nearly all affected families have been seamlessly connected with alternative providers. Regarding the staff at the closing locations, a spokesperson affirmed that all employees have been extended the opportunity to continue their roles within the Texas Children’s system.

These centers exclusively serve patients covered by the Texas Children’s Health Plan, available to Medicaid or CHIP recipients, providing services like pregnancy care, dentistry, optometry, and behavioral health. The hospital stated the closure is part of a plan to create a new care model, promising expanded access and improved quality, with more details to follow. The statement did not specify the impact on patients, physicians, or staff, nor the opportunity for transfers within the hospital system. Despite closures, Texas Children’s Health Plan members will maintain coverage, needing to find alternative doctors. A limited number of patients from the Greenspoint location can transfer to the southwest center until June 30.

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December 2023 | 19

Wan t

to b e

a pa

rt of

UH’s

cont i

nue

d gr

owt h

The University of Houston continues to grow not just in student population but also in the construction of new buildings such as the John M. O’ Quinn Law Building and Tilman J Fertitta Family College of Medicine. UH’s facilities growth includes the continuous need to procure a variety of non-construction goods and services, all of which undergirds UH’s recognition as an institutional “Powerhouse.”

STAY INFORMED

BE A PART OF THE COUGAR VILLAGE

f yo t i ers v i n H e U he U hub h t t / th visit edu i . w ss nts, .uh e n si r eve ww u w o b d/o e at d to s an bsit e w ho uniti t. we t u t bo por Dep a p on id o tions i t a a rm on, b per o f t O r in ous UB o F H H

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12 | December 2023

Thank Yo SUPP RTE

20 | December 2023

Mentors & Mentees,

By d-mars.com News Provider

To my Heavenly Father,

Lord God, As I close out this year, I thank you for being by my side and blessing me and my company to deliver the best services to our clients and fulfill their needs.

Family,

To my family,I hope that I have been a stellar man, mentor, and positive impact in your lives. I pray that I have set forth a good example of how to be a hard worker, a man of faith, and a pillar for the community. Life is not always pretty, but it is so well worth it. Family is one of the most important parts of my story and through good and bad times, I cherish you all.

Friends,

To all my friends, some closer than others, your continued support and words of encouragement mean the world to me. It is with our relationships I can grow as a person, businessman, and leader.

Clients,

To my mentors, your guidance and passion for directing someone like me are memorable. I admire you all not for what you have or what you do, but for using your platform to sow seeds for individuals like me. Not having it all figured out can be a challenge and it is a blessing to have people like you to assure me. Not knowing it all is a part of the process. I have been able to utilize the things you have taught me, and I look forward to doing the same for others. Thank you for teaching me how to lead properly by sharing my experiences and knowledge with my community, To my mentees, thank you for allowing me to guide you in the right direction. I have been blessed with experiences and lessons that I have lived to share. My journey would not be complete if I could not include you in my endeavors to continuously grow and learn. I hope that my leadership has been significant to you, and it inspires you to take others under your wing as well. It is not only my privilege but my responsibility to strengthen my community.

To all my clients, both big and small. Thank you for supporting and helping me keep my company flourishing for 24 years and Political & Community for years to come. I appreciate you all for sticking with me and Leaders, using my services time after time. You all have invested a great To all my political and community leaddeal in my company and companies of your own. I am honored ers, thank you for championing change to be the person you rely on and trust with your business. in our community and for supporting my business and events past, present, and future. You all have paved the way for me and have reinforced my efforts to inspire, inform, and educate. Experience Our World of Advertising, Marketing, Media and Communication Experience Our World of Advertising, Marketing, Media and Communication

Spiritual Leaders

To all my spiritual leaders of fai prayer and inviting me into you other explanation than God for have experienced in my life. Tha direction through all of life’s cha prayer, and I could not do it wi

December 2023 | 21

ou TO OUR FOR ERS 24

ith, thank you for keeping me in ur places of worship. There is no r all the miracles and success I ank you all for guiding me in the allenges. I am a man of faith and ithout you.

December 2023 | 21

YEARS

Top 30 Influential Women of Houston, I know you all were handpicked by God to accompany me on

this journey, and I am forever grateful for your hard work and To all my Top 30 Influential Women of Houston honorees, I thank you for breaking barriers and choosing to take a stand against for your challenging me to be my best, thank you. any adversities. It is my pleasure to pay homage to you every year and celebrate your accomplishments. I will not allow your Community, Thank you to my community. I have been blessed to survive legacy and drive to go unnoticed. 24 years in business. The experiences and lessons I learned as an entrepreneur have shaped many of my decisions in life. It has been a wonderful journey to inspire, inform, and educate Top 50 Black Professionals my community, and for the next 24 years, I want to encourage & Entrepreneurs of Texas, others to do the same. To all my Top 50 Black Professionals and Entrepreneurs of Texas, thank you for using your voice and platform to Volunteers create opportunities for the African American community. To our amazing volunteers, thank you from the bottom of my I look forward to celebrating you all during Black History heart. You share your time and talents because you support Month and creating Black history. our mission of excellence for our communities. .

Media Family,

To my media family, thank you for always sharing and extending your resources. I admire your execution to shed light on events, issues, and movements that our community values. I thank you for contributing your time and sharing your supporters with me and my company.

Vaskey Media Group Staff,

To my staff, past and present, I thank you. There is not a moment of my day where I am not appreciative of having you all by my side. We have all experienced the impact we have on the community, and I could not do it without you all. Thank you for making my dreams come true, professionally and lovingly. There is no greater reward than receiving compliments about our team. I truly believe every one of you is special and contributes effortlessly to history in the making. Experience Our World of Advertising, Marketing, Media and Communication Experience Our World of Advertising, Marketing, Media and Communication

22 | December 2023 FINANCE

HOW TO SCORE A FINANCIAL Touchdown this Football Season

Deciphering Auto Insurance Survey Exposes Knowledge Gaps in Younger Drivers By d-mars.com

By d-mars.com

News Provider

n the dynamic world of auto insurance, understanding your coverage is key. A recent survey conducted by State Farm sheds light on knowledge gaps among millennials and Gen Z drivers, revealing that 46% of respondents confess to not knowing their policies well, citing coverage as the most confusing aspect. While basic concepts like collision and liability insurance are well-grasped by the majority, the survey exposes a lack of awareness regarding comprehensive auto insurance. Covering losses from natural disasters, theft, vandalism, animal collisions, and even incidents when your car is parked, comprehensive insurance proves crucial, especially with the increasing frequency of severe weather events. Despite a decent understanding of ride-share and under/uninsured motorist coverage, fewer than half of Gen Z and millennials correctly identified the benefits of add-on coverages such as rental car and travel expenses. Similarly, just 61% recognized the advantages of emergency road service.

Navigating the Complexities of Auto Insurance Auto insurance, a legal requirement in almost every state, varies in cost based on factors like vehicle type, age, coverage level, and location. Given the substantial investment in a car, safeguarding it against unforeseen emergencies is paramount. Understanding the diverse coverage types, benefits, and policy options empowers informed decision-making. Each coverage type comes with its own pricing, offering flexibility in policy limits and costs. Essential Auto Insurance Coverage Types 1. 1.**Bodily LiabilityCoverage:** Coverage:** Extends relatives authorized **Bodily Injury Injury Liability Extends to to relatives andand authorized drivers, protecting against substantial liability claims arising from accidents. drivers, protecting against substantial liability claims arising from accidents. 2. 2. **Property Coverage:** Covers damage caused to others’ **PropertyDamage Damage Liability Liability Coverage:** Covers damage caused to others’ property, including vehicles and structures. property, including vehicles and structures. 3. 3. **Medical (PIP)Coverage:** Coverage:** Covers **MedicalPayments Paymentsor orPersonal PersonalInjury Injury Protection Protection (PIP) Covers treatment costs for injuries sustained by the driver and passengers, encompassing treatment costs for injuries sustained by the driver and passengers, encommedical lost wages, service passingpayments, medical payments, lostand wages, andreplacement. service replacement. 4. 4. **Collision Paysfor fordamage damagetotoyour your resulting from collisions **CollisionCoverage:** Coverage:** Pays carcar resulting from collisions with other vehicles or objects, even if you’re at fault. with other vehicles or objects, even if you’re at fault.

f you’re like many football fans, your love of the game comes at a cost. A recent national survey by Experian found that fans are planning to spend an average of $743 this season on football-related expenses, with 29% of respondents saying they will spend more than $1,000. Beyond the cost of tickets, tailgates and game-streaming services, some football fans are willing to put their money on the line in more serious ways, too. In fact, 1 in 5 professional football fans would take on more than $5,000 of debt if it meant their team won the Big Game this season. “Cheering on your favorite team or planning for life’s big moments doesn’t have to break the bank,” says Rod Griffin, senior director of public education and advocacy at Experian. “Taking a financial timeout to review your finances and budget can help you get the most out of your money.” Whether you’re a devoted fan or a casual viewer, you can score a financial touchdown during football season and beyond by following these game-changing financial pointers: 1. Pay bills on time. Don’t fumble bill payments. Your bill payment history is an important factor in calculating your credit score. Even one late or missed payment can have a negative impact, whereas making payments on time can bolster your credit score for years to come.

2. Leverage tools. Look into financial products that help your 6. 6. **Uninsured MotoristCoverage:** Coverage:** Provides protection money work for **Uninsuredand and Underinsured Underinsured Motorist Provides protection you. For example, if you’re underinsureddriver driverororbecome become a victim if you’rehithitbybyan anuninsured uninsured or or underinsured a victim of aof a the new Experian hit-and-run. hit-and-run. Smart Money Digital Checking Account Enhance your auto insurance knowledge and make informed choices by visit- & Debit Card embeds ing StateFarm.com. Your understanding can make a significant difference in Experian Boost to allow you to contribute payments for safeguarding your assets and ensuring peace of mind on the road. eligible bills such as utilities, residential rent and telecommunications to 5. 5.**Comprehensive Safeguardsagainst againsttheft theftoror non-collision **Comprehensive Coverage:** Coverage:** Safeguards non-collision damage, including natural disasters, vandalism, and contact with animals. damage, including natural disasters, vandalism, and contact with animals.

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your Experian credit file to potentially increase your credit scores. 3. Keep your credit utilization rate low. Your credit utilization rate is the amount of credit you’re currently using divided by the total amount of credit you have available. Credit scoring models generally interpret a low credit utilization rate as an indication that you’re doing a good job of managing credit and keeping spending in check. 4. Build a budget. A budget is a spending playbook that can help you practice responsible financial habits and live within your means. It needn’t require too much detail. Simply categorizing spending into a few overall buckets will do the trick. 5. Frequently check your credit. Monitoring your credit score and credit reports can help you identify changes and course-correct if necessary. It’s recommended to check these regularly, especially before you plan to open new lines of credit or make a big purchase. For more information, visit experian.com/smartmoney. Don’t get financially sidelined. By reviewing your credit and budget and by leveraging helpful resources, you can survive the season with your wallet intact. Source: NNPA

December 2023 | 23

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24 | December 2023 REAL ESTATE By d-mars.com News Provider

ouston’s EaDo neighborhood is on the brink of a significant transformation, as real estate firms Pagewood and Wile Interests reveal plans for the East Blocks project. This ambitious mixed-use development is set to revitalize several blocks of midcentury warehouses, transforming them into a vibrant hub of trendy restaurants, shops, offices, and green spaces. Recently,the East Blocks project spans 10 blocks along Hutchins from Walker to Polk, situated southwest of Shell Energy Stadium in East Downtown. The development includes prominent features such as the existing 8th Wonder Brewery and the Pitch 25 “beer park.”

“East Blocks, a project that is 50 yearsisin “East Blocks, a project that the making, will be a pedestrian-friend50 years making, will be ly hub full in of the chef-driven restaurants, a pedestrian-friendly full of unique retail boutiques,hub creative office space, and parks with art for the chef-driven restaurants, unique local community and those visiting retail boutiques, office downtown and the creative nearby stadiums space, and parks art for the to gather,” said Paul with Coonrod, founder of Pagewood, in a statement. local community and those visiting downtown and the nearby stadiums to gather,” said Paul Coonrod, founder of Pagewood, in a statement

EaDo’s Set to Revitalizing Warehouses into Stylish Restaurants and Boutiques

Described as a project 50 years in the making, East Blocks aims to create a pedestrian-friendly environment. Paul Coonrod, founder of Pagewood, envisions the area as a bustling hub with chef-driven restaurants, unique retail boutiques, creative office spaces, and art-filled parks. The development aims to serve both the local community and visitors attending events downtown or at nearby stadiums, fostering a dynamic and engaging atmosphere. East Blocks is set to undergo a multi-phase development over the next

three years, with the inaugural Phase One slated for the second quarter of 2024, as per Pagewood’s plans. The design, spearheaded by architecture firm Gensler, encompasses the redevelopment of half a million square feet, allocating 196,000 square feet for retail and restaurants, 112,000 square feet for offices, and the provision of 650 parking spaces. The subsequent Phase Two is anticipated to introduce additional restaurants and retail spaces. The adaptive reuse strategy will see the transformation of former railways into

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four interconnected city blocks, featuring expansive green spaces. The existing Bastrop promenade is earmarked for enhancement, incorporating spaces for events, farmer’s markets, and fitness classes. Furthermore, an alley will connect three buildings along Hutchins and McKinney, enhancing the overall connectivity and accessibility of the development.

December 2023 | 25

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26 | December 2023 TECHNOLOGY

TIPS TO LOWER YOUR Energy Costs

THIS WINTER

3. Beat the peak. Ask your utility provider about discounted rates. Some offer cheaper rates during parts of the day when general usage is down — think early in the day or late at night. Strategically tackle your energy bills by doing laundry and other energy-intensive chores at off-peak times. 4. Take advantage of tax credits. Making energy improvements to your home? The Inflation Reduction Act of 2022 expanded the tax credit amounts and types of qualifying expenses available. Look for tax credits on items like new energy-efficient exterior doors, windows, central air conditioners, water heaters, furnaces, boilers and heat pumps.

By d-mars.com News Provider

he U.S. Department of Energy reports that low-income households face an energy burden – the portion of income spent on home energy costs – three times higher than other households, leading to tough budgeting decisions for many Americans. Energy efficiency is an important way to tackle home energy costs and can also support sustainability. Knowing that these issues are important to their customers and communities, Wells Fargo contributed more than $19 million last year to nonprofits that aim to advance sustainability, including a $500,000 grant to the Beneficial Electrification League.

2. Request an energy audit of your home. With a home energy audit, you can obtain your Energy Star rating, important information regarding your energy usage, and identify sources of energy loss, which you can then take actions to correct. Resources for obtaining a professional energy audit or conducting one yourself can be found at energy. gov.

Whether your motivations are economic, sustainability-related or both, Keith Dennis, president of the Beneficial Electrification League, offers these 5. Utilize electric technology. Consider installing smart tips to help you curb your energy consump- a smart thermostat, smart switches, or smart home tion this winter: devices for energy-intensive household items like, lights and heating systems. Smart technology is 1. Give energy-efficient holiday gifts. Leverage designed to automatically adjust to your needs, holiday spending on items that can help you save helping you save energy and money. down the line by giving energy-efficient gifts to members of your household this holiday season. During a long cold winter, energy-efficient technolLook for gas alternative products like electric lawn ogies and updates can help you weather the season, tools, bikes and scooters, smart devices and appli- for a cozier home and a lower-carbon future. ances. Energy-efficient electric products offer good results, are often more cost efficient and support sustainability. Certain retrofits, updates and upgrades may even qualify your household for additional savings via a rebate, thanks to the Inflation Reduction Act of 2022.

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December 2023 | 27

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28 | December 2023 RECIPE OF THE MONTH

FESTIVE

D elig ht

A Scrumptious Christmas Recipe to Brighten Your Table

GINGERBREAD WONDERLAN D: CRAFTING

By d-mars.com News Provider

As the holiday season approaches, there’s nothing quite like the aroma of delicious, homemade treats wafting through the air. Elevate your Christmas celebrations with a mouthwatering recipe that combines traditional flavors with a touch of festive magic. In this article, we’ll guide you through the steps of creating a delightful Christmas dessert that is sure to become a cherished part of your holiday traditions.

INGREDIENTS

2 ½ cups all-purpose flour 1 ½ teaspoons ground ginger 1 teaspoon ground cinnamon ½ teaspoon ground cloves ½ teaspoon baking soda ¼ teaspoon salt ½ cup unsalted butter, softened ½ cup brown sugar, packed 1 large egg ½ cup molasses 1 teaspoon vanilla extract ICING 2 cups powdered sugar 2 tablespoons meringue powder 3-4 tablespoons warm water

A CHRISTMAS CLASSIC

DIRECTIONS

1. Preheat and Prepare : Preheat your oven to 350°F (175°C). Line a baking sheet with parchment paper.

6. Chill the Dough: Divide the dough into two portions, shape them into discs, wrap in plastic wrap, and chill in the refrigerator for at least 1 hour.

2. Sift and Mix Dry Ingredients: In a medium bowl, sift together the flour, ginger, cinnamon, cloves, baking soda, and salt. Set aside.

7. Roll and Cut : Roll out the chilled dough on a floured surface to approximately 1/4 inch thickness. Use festive cookie cutters to cut out gingerbread shapes.

3. Cream Butter and Sugar: In a large mixing bowl, cream together the softened butter and brown sugar until light and fluffy.

8. Bake : Place the cutouts on the prepared baking sheet and bake for 8-10 minutes or until the edges are lightly browned. Allow the cookies to cool completely.

4. Add Wet Ingredients: Beat in the egg, molasses, and vanilla extract until well combined.

9. Prepare Icing: In a bowl, whisk together the powdered sugar, meringue powder, and warm water until smooth. Adjust the consistency by adding more water if needed.

5. Combine Wet and Dry Mixtures: Gradually add the sifted dry ingredients to the wet ingredients, mixing until a soft dough forms.

10. Decorate: Once the cookies are cooled, use the icing to decorate them with festive designs. Let your creativity shine! 11. Set and Enjoy: Allow the icing to set before serving or packaging these delightful treats. Share them with loved ones or display them as a centerpiece at your holiday gatherings. This gingerbread recipe is a perfect way to infuse your Christmas celebrations with the warmth and sweetness of the season. Whether you’re baking these cookies as a family activity or presenting them as thoughtful gifts, the joy they bring will undoubtedly become a cherished part of your holiday traditions. Happy baking and Merry Christmas!

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Garnier Bradley Wealth Management Merrill Lynch Wealth Management 9595 Six Pines Dr. Suite 8380 The Woodlands, TX 77380 281.364.2195 281.364.4425 jd.garnier@ml.com

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30 | December 2023

5 Tips to Breeze Through Holiday Travel

TRAVEL

Why Exploring Houston is an Adventure Worth Taking By d-mars.com News Provider

he vibrant city of Houston beckons with a kaleidoscope of experiences waiting to be discovered. From cultural gems to culinary delights, the sprawling metropolis offers a diverse tapestry that makes it an ideal destination for avid travelers. In this article, we’ll delve into the reasons why exploring the city of Houston is an adventure worth embarking upon.

By d-mars.com News Provider

3. Another great way to save money

on the road is by fueling up at Exxon or Mobil stations across the country with your Exxon Mobil Rewards+ app. “Having just wrapped up the ultimate road trip, the Grand Tauro, filling up with the Exxon Mobil Rewards+ app was smooth and seamless,” Ricciardo explains. “The app also offers indoor payment, so I was able to go in and grab my favorite road trip snacks and get out quickly, all while earning points towards savings on fuel, snacks and more!” Plus, you can also take advantage of the Exxon Mobil Rewards+ app’s birthday reward by getting 100 points after you make a purchase in your birthday month using the app at your local Exxon or Mobil station. Just add your birthday in your profile to gain access. You can learn more about the Exxon Mobil Rewards+ app by visiting https://www.exxon.com/en/ rewards-program.

olidays bring loads of obstacles, from finding the right gift to cooking intricate meals and, perhaps most stressfully, holiday travel. Holiday travel is a necessary expense for over 130 million Americans, according to NerdWallet’s 2023 Holiday Travel Report. If you fall into this group, we are here to help prepare with tips and tricks from none other than Daniel Ricciardo, a professional Formula One driver for Red Bull Racing who is accustomed to traveling all over the globe from race to race. He shared his favorite insights to help make sure your car is prepped and ready. “As an F1 driver, I have encountered every type of terrain and weather you can imagine and have shared the track and the road with some pretty wild drivers. Here are five things I always keep in mind and encourage others to 4. Always be prepared. Make sure do as well to make their holiday travel that you and your car are ready for any situation that might come your way. as smooth and safe as possible.” Ricciardo suggests packing an emergenkit in your trunk to keep you safe in 1. The first recommendation from cy those worst-case scenarios. The emerRicciardo is to skip out on taking your gency kit should have water, blankets, car and get a rental car for the trip. snacks, a first aid kit, jumper cables and Rentals come with plenty of benefits. a flashlight. All these items can help you By using a rental, you’re not putting loads and your loved ones stay safe if someof miles on your car, and you are often thing were to happen to your car during driving in a new model that offers feayour journey. tures your cars at home may not have, like a large on-screen GPS navigation, remote start or heated seats. You can 5. Whether you’re driving around the also choose a vehicle that’s as big or small block or across the country, drivers as you would like to help make travel should always be paying attention to comfier or more fuel efficient, depending their surroundings - especially when difficult road conditions, like ice or snow, on what you want to prioritize. present themselves this holiday season. sure your driver stays alert and 2. If you don’t plan on taking a rental Make aware of other vehicles around them. car, Ricciardo recommends that you take Plus, if they start to feel tired or distractyours in for a tuneup. While your car ed, they should pull over to take a quick should always be getting regular tunebreak or have another person in the car ups, it is important to prioritize them take over driving until they are mentally before big trips. Make sure that the tires prepared to drive again. are checked, oil levels are ideal and that there is enough windshield wiper fluid to prepare you for any weather ahead. If you follow these five tips while preparSomething as small as a worn-out wind- ing and executing your holiday travel, shield wiper can become a big issue on you will set yourself up for a safe and a road trip, whether it is an hour-long relaxing holiday trip. That way, you can drive across town or a cross-country road stress less about your travel plans and trip. If your car is properly prepared it more about your gift giving skills. will save you money, stress and energy.

1. Cultural Melting Pot Houston proudly wears the badge of one of the most diverse cities in the United States. The rich tapestry of cultures is evident in its neighborhoods, each offering a unique glimpse into traditions, cuisines, and art from around the world. From the bustling streets of Chinatown to the vibrant energy of the Museum District, Houston embraces diversity in a way that few cities can match. 2. Artistic Oasis The city boasts an impressive array of museums and galleries that cater to art enthusiasts. The Museum of Fine Arts, the Contemporary Arts Museum Houston, and t he Me n i l Collection are just a few of the institutions that showcase a diverse range of artistic expressions. Stroll through these cultural havens and immerse yourself in a world of creativity that spans centuries and continents. 3. Culinary Wonderland Houston’s culinary scene is a treasure trove for foodies. With a melting pot of cultures, the city’s restaurants offer an eclectic mix of flavors, from TexMex delights to authentic Vietnamese cuisine. Indulge your taste buds in the gastronomic wonders of the city’s

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diverse food scene, and don’t forget to explore the food trucks that add a dash of innovation to Houston’s culinary landscape. 4. Green Spaces Galore Despite being a bustling urban hub, Houston is home to an extensive network of parks and green spaces. The Buffalo Bayou Park, Hermann Park, and Discovery Green provide serene escapes within the city, offering opportunities for leisurely strolls, picnics, and outdoor activities. Nature lovers will appreciate the balance between urban living and green oases that Houston effortlessly achieves. 5. Thriving Entertainment Hub Whether you’re a sports fan, theater enthusiast, or music lover, Houston has something for everyone. Catch a game at Minute Maid Park, immerse yourself in a Broadway-worthy performance at the Theater District, or revel in the diverse music scene that ranges from classical to contemporary. The city’s entertainment options are as varied as its population. 6. Welcoming Southern Hospitality Houstonians are known for their warm hospitality and friendliness. As you explore the city, you’ll likely encounter locals eager to share recommendations, strike up conversations, and make you feel at home. The welcoming atmosphere adds an extra layer of charm to the city’s allure. In the sprawling expanse of Houston, every corner tells a story, and every experience is a chapter waiting to be written. From its diverse cultural offerings to the welcoming embrace of its residents, exploring Houston is an adventure that promises to be as unique as the city itself. So, pack your bags, hit the streets, and unlock the magic of Houston – an adventure awaits around every corner.

December 2023 | 31

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