d-mars.com is proud to continue our partnership with the community, publishing positive content and stories that promote educational excellence, longevity, and leaders across this city.
This month’s cover story highlights the University of Houston – Downtown celebrating 50 years of excellence. As the university celebrates five decades, this milestone will be commemorated through a special concert, “TERENCE BLANCHARD LIVE FOR UHD: Film Scores, Jazz and Beyond,” at the University of Houston’s Cullen Performance Hall.
d-mars.com has been fortunate enough to tell the unique tale of two cousins from Louisiana, each excelling in their respective fields. One, Terence Blanchard, is a Grammy Awardwinning jazz trumpeter, composer, and NEA Jazz Master. The other cousin, Dr. Loren J.
“The function of education is to teach one to think intensively and to think critically. Intelligence plus character — that is the goal of true education.”
— Martin Luther King, Jr.
CONTENTS
04 BUSINESS
04 5 Ways to Make Sure Your Business Stands Out Among Competitors
04 Ways Business Owners Can Better Serve Their Target Audience
05 Safeguarding Your Business and Your Employees
06 COMMUNITY
06 Overcoming Barriers and Uniting for Change: The Black Vote 07 Tips for Ensuring Safety While Trick-orTreating with Your Children This Year
25 DID YOU KNOW? 25 Frankie Beverly 10 EDUCATION & CAREER 10 Study Reveals Persistent Underrepresentation of Black and Hispanic Faculty in Higher Education
Paying For College? 6 Ways to Make It Affordable 11 3 Ways to Facilitate ‘Transfer of Learning’
FINANCE 24 Looking for a Financial Advisor? Here are Things to Consider
60% of Americans Say Their Network Opens Doors to Moneymaking 25 Understanding Your Credit Score 25 Why Anxiety, Dishonesty and Evasion Are
Sisters Network® Inc. to Celebrate 30th Anniversary
Empowering Communities to Survive, Thrive, and Conquer Breast Cancer 18 New Study Reveals Racial Disparities in Breast Cancer Mortality Rates 18 How to Exercise During Each Stage of Your Menstrual Cycle
19 Boost Your Health This Fall with 5 Expert Tips
“That dog don’t hunt.”
How to Spot a Moving Scam
Preparing For Colder Months: What Homeowners Need to Know
Awards $31.7M to Support Fair
Organizations Nationwide
RECIPE OF THE MONTH
Southern-Style Five-Cheese Mac and Cheese
TECHNOLOGY
AfroTech Conference 2024 Coming to Houston
TRAVEL 30 Best Places to Experience Fall in Texas 30 State Department Launches Online Passport Renewal System for Millions of Americans
Blanchard, is the president of UHD, one of the largest higher education institutions in the city. The two accomplished men will come together in celebration of UHD’s 50th anniversary for an unforgettable night of music. Blanchard and his band, the E-Collective, will perform selections from his film scores, accompanied by student musicians from the UH Moores School of Music. In addition, d-mars.com is highlighting Breast Cancer Awareness Month this October. We honor the survivors of this fight, as well as those who have passed away. We are dedicated to increasing awareness and educating people on the disease. Remember, early detection is key.
As always, I thank you for your continued support of d-mars.com and progressing our publication’s efforts to highlight the communities in which we live, serve, and work.
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COVER STORY
Terence Blanchard Live: Honoring 50 Years of Excellence at UHD
5 Ways to Make Sure Your Business Stands Out Among Competitors
Follow Websites and Track SEO
SBy d-mars.com News Provider
taying competitive in today’s market can be a challenge. As the business landscape continues to evolve, paying attention to the competition is more important than ever. Business isn’t run in a vacuum and understanding what’s working — and equally important, what’s not working — for other successful companies is an integral step in staying ahead of the game.
Here are some ways to do that from financial experts:
Set a Google Alert
One of the easiest things you can do, setting up a Google alert, allows you to immediately be alerted of big news that’s being reported about you, your industry or your major competitors.
Poor user experience on a website can drive 50% of potential customers to competitor businesses. Track what your major competitors are doing on their websites — taking special note of anything new or innovative — to ensure you stay viable in this area. Start by paying attention to their SEO. Compare web traffic and look for similarities and differences in your online strategies.
Go Through the Customer Experience
Consumers have indicated in any number of surveys and forums they would leave a brand they’ve been loyal to after three or fewer bad experiences with customer service. It is worth running through your competitor’s customer experience from time to time to see how smoothly it operates and what they’re doing differently.
Invest in Data Technology
There are plenty of automation tools on the market that help track how competitors are doing in various areas. Look for companies that offer things like competitive and social post analysis, social media audits and social listening for the most complete overview.
Track Pricing Technology aside, pricing is one of the most important aspects of a business. Understand where your company falls by comparing pricing strategies among your competitors. Customers are willing to pay more for certain things, so understand your customer base and price accordingly for best results.
Just having the above data on hand isn’t enough to make a difference. Besides assessing your competitors, institute the following as benchmarks for your business to keep customers coming your way:
• Provide unparalleled customer service;
• Define and build your brand based on the value you provide;
• Position yourself — and your business — as experts in the field;
• Put a face to your product or service; and
• Have a clear and unique voice in the market.
Running a successful business requires a strong business model, a willingness to keep a keen eye on the competition, and the ability to adjust as needed to stay one step ahead of the game.
Source: StatePoint
Ways Business Owners Can Better Serve Their Target Audience
By d-mars.com News Provider
As a business owner, learning about and serving your target audience is crucial for business growth for several reasons. When you understand your target audience, you can tailor your marketing strategies and messages to resonate with their specific needs, interests, and preferences. This targeted approach increases the effectiveness of your marketing efforts and improves conversion rates. It also helps you develop products or services that address their pain points and fulfill their desires. By aligning your offerings with customer needs, you increase the likelihood of product adoption and satisfaction.
Understanding your audience allows you to differentiate your business from competitors. You can identify unique selling points that appeal directly to your target market, making it harder for competitors to replicate your success. Satisfied customers are more likely to become repeat buyers and advocates for your brand. When you consistently meet their expectations and deliver value, you build loyalty and reduce churn rates.
Insights into your audience’s behaviors and preferences can spark innovation within your business. By anticipating their future needs and staying ahead of trends, you can introduce new products or services that maintain your competitive edge. By knowing your audience, you are also able to position your brand effectively in the market. Whether you emphasize quality, affordability, innovation, or another attribute, your positioning strategy should align with what resonates most with your audience. Engaging with your target audience creates a feedback loop that informs continuous improvement. By listening
to their feedback and adapting your strategies accordingly, you can stay responsive to changing market dynamics and customer expectations.
Here are several effective key strategies to better serve your target audience:
1. Market Research: Conduct thorough market research to understand your audience’s demographics, preferences, behaviors, and needs. Use surveys, focus groups, and data analytics to gather insights.
2. Customer Feedback: Actively seek and analyze feedback from your existing customers. Use this information to identify areas for improvement and understand what delights or disappoints your audience.
3. Build Personas: Develop detailed customer personas based on your research. Personas help you visualize and understand different segments of your audience, allowing you to tailor your offerings and messaging accordingly.
4. Competitor Analysis: Study your competitors to identify gaps in the market and areas where you can differentiate yourself. Understand what strategies are working for them and how you can offer unique value.
5. Customer Journey Mapping: Map out the entire customer journey—from awareness to post-purchase. This helps you identify touchpoints where you can enhance the customer experience and anticipate their needs.
6. Content Marketing: Create valuable content that addresses your audience’s pain points, interests, and aspirations. Content can educate, entertain, or inspire, establishing your authority and trustworthiness.
7. Personalization: Use data and insights to personalize your marketing messages, product recommendations, and customer interactions. Personalization makes customers feel valued and understood.
8. Continuous Improvement: Regularly review and refine your strategies based on ongoing feedback, market trends, and changes in customer behavior. Adaptability is crucial in meeting evolving customer expectations.
9. Customer Service Excellence: Provide exceptional customer service that goes beyond resolving issues promptly. Foster relationships by actively listening to customers, being responsive, and showing empathy.
10. Community Engagement: Build a community around your brand where customers can interact with each other and with your business. This fosters loyalty and provides valuable insights into customer preferences and behaviors. By consistently applying these strategies, business owners can deepen their understanding of their target audience and effectively meet their needs, fostering long-term relationships and sustainable growth.
Overall, understanding your target audience is not just about marketing—it’s about building meaningful relationships, delivering value, and driving sustainable business growth over the long term.
SAFEGUARDING YOUR BUSINESS AND YOUR EMPLOYEES: Choosing the Right Workers’ Compensation Insurance
By d-mars.com News Provider
Workers’ compensation insurance acts as a crucial safety net, offering protection to both employees and employers when illnesses or injuries happen. Workers’ compensation coverage pays for things like medical expenses and lost wages when employees become ill or injured at work. It also covers death benefits and disability in the worstcase scenarios and employer liability for work-related injury or disease.
There is no one-size-fits-all workers’ compensation policy, as each state sets its requirements for this complex coverage - and just having the required coverage may not be enough to support your business goals. Choosing the right partner will satisfy state requirements, protect your financial position and help support employee well-being.
Here are a few things that can elevate your claims experience beyond basic state-required coverages.
Does your insurance company provide top-notch customer service?
Workers’ compensation insurance is complex, dealing with health care, state regulations, and the emotional side of injury or illness. Your insurance company should provide you and your employees expert
guidance to navigate through all the steps. How long does it take your insurance company to return your phone calls? Does it have dedicated claims adjusters who handle workers’ compensation claims?
You may want to look for an insurance company that provides same-day contact from a caring adjuster, who will work with you until the claim is closed. Does your insurance company provide services to help employees receive the proper care and return to work?
For small businesses struggling with labor shortages, lost time due to illness or injury can be challenging. Find a company that offers a transitional return-to-work program to bridge the gap between injured workers’ existing work capabilities and what the employer can provide by working with local nonprofits to place workers into temporary positions. Does your insurance company help you reduce risk?
Some insurance companies provide loss control services as part of their workers’ compensation policies. Loss control uses a proactive approach to risk management, which helps create safer and more efficient workplaces, ultimately reducing claims and enhancing overall profitability. You’ll want to look for an insurance company whose loss control department also provides post-loss services, including
individual claim investigations and trend analysis, to empower businesses to adopt a proactive approach to prevent future accidents.
Does your insurance company help you manage costs?
Using loss prevention services, returnto-work programs and nurse helplines can translate to significant savings for customers by reducing incidents, lessening the severity of incidents and reducing lost time. Medical costs are often difficult to understand and navigate. Initiatives such as a managed care program that
features a preferred provider network with negotiated discounts, a meticulous bill review program, and a pharmacy benefit program also translate into significant savings for customers, further reducing their insurance costs.
Workers’ compensation insurance helps small business owners navigate the complexities of risk management before, during, and after incidents to help them become more efficient, safe, and profitable.
Source: BrandPoint (Edited by d-mars)
Knowing the facts about domestic violence, recognizing the predictable patterns and talking about it can help end the cycle of domestic violence and abuse. If safe, call 1 (800) 799-SAFE (7233) or visit www.hawc.org
IOvercoming Barriers and Uniting for Change: The Black Vote
By Dawn Paul a.k.a. The Dr. Dawn® Contributing Writer
n a time marked by significant challenges and pivotal moments, the upcoming election is among the most critical for the Black community. This election isn’t just about choosing a candidate– it’s about shaping the future of policies that directly impact the Black community.
The Importance of Black Voter Turnout
Black voter turnout can sway local elections, influencing policies on policing, health care, education, and housing. Nationally, our votes can impact the presidency, Congressional representation, and Supreme Court appointments. Voting is a key tool for tackling systemic inequalities and driving positive change that uplifts everyone. By not voting, we risk perpetuating systemic injustices.
Statistics on the Black Vote
Recent data from the Pew Research Center reveals that Black voters consistently support Democratic candidates, with 93% voting for the party’s U.S. House candidates in 2022. Hispanic and Asian voters also leaned Democratic, though by smaller margins—60% to 39% for Hispanic voters and 68% to 32% for Asian voters.
White Americans tend to vote more consistently than Black, Hispanic, or Asian Americans. While 37% of all eligible voters participated in the 2018, 2020, and 2022 elections, this number rises to 43% for White voters, with only 24% abstaining from all three.
In contrast, voting rates for Black, Hispanic, and Asian Americans are lower. Only 27% of Black, 19% of Hispanic, and 21% of Asian eligible voters cast their ballots in all three recent elections. Hispanic citizens were the least likely to vote, with 47% not participating in any of the
last three general elections, followed by 36% of Black and 31% of Asian citizens aged 22 and older in 2022. Greater Black voter turnout is crucial for shaping policies that address the needs of our communities and ensuring our voices are heard in the Democratic process.
Barriers to Black Voter Participation
Voter suppression tactics, such as strict ID laws and limited polling places, disproportionately affect Black voters. These barriers are designed to disenfranchise communities of color and diminish our political power. Political disillusionment and feelings of disenfranchisement contribute to voter apathy. Many Black voters feel their votes don’t matter, a sentiment often fueled by years of systemic inequities and unfulfilled promises.
Strategies for Increasing Black Voter Participation
Social media campaigns and voter education programs play a vital role in this effort. Advocating for policies that eliminate voter suppression tactics is crucial. This includes supporting legislation that protects voting rights and ensuring accessible polling locations. Grassroots efforts, such as canvassing, phone banking, and community events, can mobilize voters. Engaging trusted community leaders and organizations can amplify these efforts and drive voter turnout.
Engaging and Mobilizing Young Black Voters
Voter turnout has usually been lowest among people under 25. However, young Black voters turned out in high numbers during the 1960s civil rights movement and again in 2008 during President Barack Obama’s first campaign. Between 2000 and 2012, young Black voters also had higher participation rates than young White voters.
How can we engage and mobilize young Black voters? Create spaces where they can discuss the issues that matter most to them. Partner with organizations already working with young Black audiences to extend your reach. Invite local leaders, activists, and influencers to participate in panel discussions and virtual events. Use social media to connect with young Black voters and encourage them to vote. Host voter registration drives at colleges, churches, and popular venues. Also, consider providing transportation services for early voting and election day to ensure young Black voters can easily access the polls.
Election Showdown: Candidate Strengths and Voter Preferences
Trump leads on economic issues and immigration, while Harris excels in areas like abortion rights and uniting the country. Harris is also seen more favorably in terms of personal traits, being viewed as a good role model, down-to-earth, and honest. The overall support for each candidate has remained stable since August. Trump is popular among White voters, whereas Harris has strong support from Black voters and Asian voters. Latino voters, who were evenly split between Biden and Trump in July, now lean towards Harris.
The power of the Black vote is immense, with the potential to drive positive change and ensure our voices are heard. By actively participating in the democratic process, we honor our history, protect our rights, and shape a brighter future for our communities. As we approach this crucial election, let’s unite, mobilize, and vote for the change we wish to see.
Dawn Paul, also known as The Dr. Dawn®, is an award-winning media personality, public speaker, certified life coach, author, and entrepreneur. She has extensive experience in writing, reporting, and editing for the Black press. Follow her on social media @TheDrDawn.
Tips for Ensuring Safety While Trick-or-Treating with Your Children This Year
By d-mars.com
Halloween is a fun and exciting time for children and parents alike, with costumes, candy, and spooky adventures. However, it’s important to prioritize safety while trick-or-treating to ensure that the evening remains enjoyable for everyone. Below are several ways to ensure your children’s safety while trick-or-treating this year:
1. Plan the Route in Advance
Before heading out, plan a safe trick-or-treating route. Choose well-lit, familiar neighborhoods, and avoid unfamiliar or dimly lit areas. Make sure your children know the plan, including the streets and the houses you intend to visit. This will help minimize the risk of getting lost.
2. Ensure Costumes Are Safe
Costumes are an essential part of Halloween fun, but they should be both creative and safe. Make sure your children’s costumes:
- Fit properly: Avoid costumes that are too long or baggy, as these can cause tripping.
- Include reflective elements: Use reflective tape or glow sticks on costumes, candy bags, or shoes to increase visibility in the dark.
- Avoid masks with limited visibility: If your child’s costume includes a mask, make sure it doesn’t obstruct their view. Consider using face paint or makeup as a safer alternative.
3. Go in a Group
Trick-or-treating is always safer in numbers. Try to organize a group of friends or family members to go together. If your children are older and plan to go with friends, make sure they stay together, and set a meeting point in case anyone gets separated.
4. Stay Visible
Visibility is key during trick-or-treating. Carry flashlights or glow sticks to help drivers and other pedestrians see your group clearly. Stick to sidewalks and cross streets at designated crosswalks. Avoid darting across streets or walking between parked cars.
5. Check Candy Before Consumption
Teach your children to wait until they get home before eating their candy. Once back, thoroughly inspect all treats for signs of tampering. Throw away any unwrapped or suspicious-looking candy. Remind kids to avoid homemade treats unless they come from trusted neighbors or friends.
6. Set Ground Rules for Older Kids
If your children are old enough to go out on their own, set clear rules for their trick-or-treating adventure. Establish a curfew, make sure they have a fully charged phone, and remind them to stick to the planned route. Consider using location-sharing apps to track their whereabouts.
7. Be Cautious Around Strangers
While trick-or-treating can feel like a community-wide event, it’s still important to remind your children not to enter strangers’ homes or cars, even if invited. All candy should be collected at the door, and children should be polite but cautious when interacting with people they don’t know well.
8. Monitor Traffic Carefully
Halloween is a night when drivers may be distracted or find it difficult to see pedestrians, especially those in dark costumes. As a parent, keep an eye on traffic and teach your children to look both ways before crossing streets. Avoid using electronic devices while walking to stay focused on your surroundings.
9. Use Safe Halloween Decorations
If you’re hosting trick-or-treaters at your home or participating in Halloween events, make sure your decorations are safe. Avoid using open flames in jack-o’-lanterns and ensure that your yard is well-lit to prevent accidents. Keep walkways clear of tripping hazards.
10. COVID-19 Precautions
In some areas, it may still be necessary to take precautions due to the lingering impact of COVID-19. Consider wearing masks when approaching crowds or homes where people are gathered. Use hand sanitizer between house visits and encourage kids to keep a safe distance from others when possible.
We hope you have a safe and enjoyable trick-or-treating experience for your children. With a little preparation and awareness, Halloween night will be filled with nothing but fun, laughter, and plenty of treats!
“That dog don’t hunt.”
This phrase is an idiom that means that an idea, argument, plan, or suggestion won’t work or is ineffective. It originates from hunting culture, where a dog that won’t hunt is useless for that purpose. When someone says this, they’re saying that something is not going to be successful.
News Provider
of Black and Hispanic Faculty in Higher Education STUDY REVEALS PERSISTENT UNDERREPRESENTATION
By Stacy M. Brown Contributing Writer
Anew study conducted by the Government Accountability Office (GAO), commissioned by Congressman Bobby Scott (D-Virginia), has unveiled concerning trends regarding the representation of Black and Hispanic faculty members in higher education institutions. Despite modest increases in their numbers over the past two decades, Black and Hispanic individuals remain significantly underrepresented among college faculty.
The study, which examined data spanning from fiscal years 2003 to 2021, found that while the proportions of Black and Hispanic faculty members have seen slight upticks, they continue to lag behind their representation in the broader workforce, particularly among workers with advanced degrees and professionals. Further, the study highlighted a stark disparity between the racial and ethnic composition of faculty and that of the student body, indicating a systemic issue within higher education.
“Addressing the underrepresentation of Black and Hispanic faculty is not only a matter of diversity but also impacts the overall quality of education and student outcomes,” study authors wrote. “It’s imperative that we hold institutions accountable for fostering inclusive environments that reflect the diversity of our society.”
The study identified the processing of employment discrimination complaints as one significant barrier. Both current and prospective faculty members have the option to file complaints with either the Equal Employment Opportunity Commission (EEOC) or the Department of Education. However, the study revealed persistent delays in the referral of complaints from the Department of Education to the EEOC.
In fiscal year 2022 alone, the Department of Education processed and referred 99 complaints alleging employment discrimination at colleges, with an average referral time of 71 days—well beyond the mandated 30-day period. Such delays not only prolong the resolution process but also perpetuate instances of discrimination and inequity within academia.
Additionally, the study uncovered deficiencies in the EEOC’s tracking and processing of complaint referrals. Despite receiving complaints referred to by the Department of Education, the study concluded that the EEOC needs a consistent protocol to ensure the timely receipt and processing of these referrals. The lack of accountability poses risks of oversight and further delays in addressing discrimination complaints, the authors stated. In response to the findings, the GAO has issued recommendations aimed at enhancing accountability and efficiency in the processing of discrimination complaints. Scott has urged swift action from both the Department of Education and the EEOC to address the systemic
disparities and processing delays highlighted in the study.
“The good news is that faculty diversity has improved over the last 20 years. The bad news is that faculty diversity is still not representative of the students they teach,” Scott stated.
According to the study authors, historically Black colleges, and universities, among other minority-serving establishments, have had success in nurturing and advancing academic members of color into tenure-track jobs, which offer greater security than adjunct or part-time employment. The authors noted that these schools frequently prioritize the education of students of color in the recruiting and professional development of their professors.
The GAO research suggests that enhancing mentorship, conducting retention studies, and providing leadership opportunities are effective strategies to enhance the retention of faculty members who are of color. The survey also discovered that a positive campus environment affected teachers’ decision to remain at their schools.
The Equal Employment Opportunity Commission and the Department of Education both handle allegations of discrimination at colleges and universities inefficiently, according to the GAO study. The Education Department’s regulation mandates that complaints be sent to the EEOC within 30 days; however, the average time it took to get a referral was more like 71 days.
“As we strive to create more equitable educational environments, it is incumbent upon federal agencies to prioritize the timely and thorough investigation of discrimination complaints,” the authors concluded. “Our nation’s colleges and universities must be bastions of diversity and inclusion, and addressing the underrepresentation of minority faculty is a critical step towards achieving that goal.”
Source: NNPA Newswire
PAYING FOR COLLEGE?
6 Ways to Make it Affordable
s your child looking forward to starting their college journey in the fall? The months leading up to their first year can be incredibly joyful and yet stressful, given the cost of an undergraduate degree. Now that your child has chosen their school, it’s time to put your financial plan together.
A recent study by College Ave found that 83% of current undergraduate students felt a college degree was crucial for their future. At the same time, seven in 10 students agreed that paying for college is stressful. Over half were surprised just how much their college education would cost. Affording college can be stressful but there are several ways you can help your children afford their degrees and set them up for success later in life. To get started, check out these six tips you can use to pay for college.
1. Submit the FAFSA: If your family hasn’t filled out the Free Application for Federal Student Aid (FAFSA), now is the time to do so. Every year your student attends college, your family should submit the FAFSA form. Not only is the information on the form used to provide federal loans and grants, but many schools also use the information to offer students scholarships and other forms of financial aid. Some aid is limited, so it’s important to remind your student to fill out the form as early as possible.
2. Continue the search for grants and scholarships: The College Ave survey found that the No. 1 way families pay for college is through merit aid grants and scholarships. You may be familiar with the Pell Grant, which provides federal funds to students based on financial needs. However, your state or school may have other grants.
Make sure to search your state’s Department of Education website and your child’s college’s website to see if they qual ify for existing grants. Scholarships are another popular way to pay for college tuition. While many schol arships are based on grades, your student may not need a 4.0 to receive a college scholarship. Some scholarships are based on locations, majors, family backgrounds and other criteria. Your employer may even offer scholarships! To find schol arships, speak with your student’s high school guidance counselor. Don’t forget to search scholarship websites.
3. Federal student loans: Around 40% of survey respondents said they planned to fund a college education using federal loans. Take a look at your student’s financial aid package, which will list any federal loans your student can take out in their name. Federal student loans have low fixed rates and offer unique benefits, such as income-driven repayment plans.
4. Private student loans: Federal student loans may not be enough to cover tuition. Consider a private student loan to help bridge the gap between financial aid and any remaining educational expenses. Many undergraduates might not qualify on their own and will likely need a co-signer like a parent to get approved. Look for loans that offer competitive rates and repayment options that work for your family. Use a student loan calculator like the one at CollegeAve.com to estimate your future monthly loan payments.
5. Part-time employment: Whether through an off-campus job or an on-campus work-study, your student can chip away at their college expenses as they attend class.
Your child may even consider working during the summer to help afford college. Not only do jobs, whether on- or off-campus, provide funds for tuition, but students can also seek jobs in their future career fields and gain valuable experiences and connections before they graduate.
6. Assess what you can contribute: For some parents, they have the means and desire to help pay for their child’s college education. According to College Ave’s survey, 41% of current students are paying for tuition with their parents’ income or savings. In addition, more than half say their parents help pay for their housing, health insurance and phone bill while in college. Review your finances and see what you can afford. Have the conversation and be clear about what you can contribute and who is responsible if you’re borrowing. Every little bit counts in helping your student achieve their undergraduate goals. Using these six tips, your family will be well on its way to affording your child’s college education and creating a solid foundation for their career.
Source: Brandpoint
3 Ways to Facilitate ‘TRANSFER OF LEARNING’ From Your Child’s Classroom to Your Home
in a child care setting and apply them at home.
f you have ever watched your children doing something at home that made you think to yourself, “I wonder how they learned to do that,” then you’ve witnessed “transfer of learning” - a process that takes previously introduced information or skills and applies them in a new situation. This action is useful for school-aged children when absorbing a variety of academic subjects, but toddlers and preschoolers also take life skills they’ve encountered
Every day, children are learning principles through play that will help them develop lifelong skills. When young children demonstrate transfer of learning from their child care classroom to their play at home, parents can take an active role in encouraging it.
Whether it’s singing the rhyming song your children learned at school with them in the car or going to the bear exhibit at the zoo after they read a book about bears, there are many ways to facilitate the school-to-home connection. Experts recommend three specific methods to support this process.
Establish clear communication channels between parents and educators
The best approach to start helping your little ones build on the skills they’re learning at school is to make sure you’re communicating
with their educators. Many child care facilities offer a daily report as a way for parents to stay informed about what their children are learning, in addition to hosting quarterly parent-teacher conferences. You might also spend a minute or two talking with your child’s caregivers at drop-off and pick-up times. All these moments offer parents the chance to check in and discuss their child’s learning, helping to pinpoint areas to focus on at home. It’s also an excellent opportunity for parents to share any concerns or special moments they’ve observed with the educator.
Introduce activities at home to expand on learned skills and do them together
Once parents have established an open line of communication with their child’s educator, the next step is fostering those skills learned from school at home. This can be as simple as recognizing a topic your child is learning at school, such as recycling, and then highlighting for your child the steps taken at home to recycle. Another great way is to identify your child’s interests and tailor activities to incorporate them. Does your child like coloring and is learning about
kindness in school? Help your child draw pictures and give them to family members as a special gift.
Offer positive affirmation
Children respond well to encouragement from their parents and family caregivers. When your children demonstrate something organically at home from their day at school, recognize their efforts. You can say something like, “Is that a new song you’re singing? Can you teach it to me?” Not only will the positive words you speak to your children motivate them to continue what they are doing, they will help to build their confidence and self-worth as well. Be sure to name the skills and qualities you’re admiring out loud to better help your children internalize the feedback and associate positive emotions with the skills they’re learning. It’s well-known that the greatest amount of brain development takes place in the first five years of a child’s life. So, using this time to focus on taking the life skills your children are discovering at school and applying them at home is beneficial to their lifelong learning.
Source: Brandpoint
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.”
Understanding the Toll on Adults Diagnosed with NEW SURVEY FINDINGS
By d-mars.com News Provider
very year, tens of thousands of Americans are newly diagnosed with type 1 diabetes, an autoimmune disease characterized by the immune system attacking insulin-producing cells in the pancreas.
For many, that diagnosis comes unexpectedly - and even more so because research has shown approximately 90% of people diagnosed do not have type 1 diabetes in their family history. Suddenly, routines are permanently altered as individuals and families rush to learn how to best manage the condition - all while coping with the underlying impacts a type 1 diabetes diagnosis has on emotional, social, and financial health and well-being.
Survey findings from Beyond Type 1 titled “The Cost of Not Knowing” highlight the costs of a diagnosis among adults with type 1 diabetes and caregivers of children under the age of 18 with type 1 diabetes. Here’s a look at “The Cost of Not Knowing,” told through the eyes of adults who live with this condition. Their perspectives underscore the importance and urgency of early screening for type 1 diabetes.
Not knowing has “costs”
The impact of a type 1 diabetes diagnosis can extend far beyond just physical health. Indeed, the survey findings illustrate that not knowing your risk for developing type 1 diabetes carries significant emotional, social, and financial burdens. Consider:
Emotional: 64% of adults with type 1 diabetes said their emotional health declined when they first learned about their diagnosis, as they struggled with feeling sad (39%), afraid (38%), angry (30%), and uncertain for the future (25%).
Social: 71% of adults with type 1 diabetes gave up some of their interests or future plans when they learned of their diagnosis.
Financial: Half (50%) of adults with T1D spent at least $5,000 on emergency care for their T1D symptoms before or during their diagnosis, with nearly 1 in 4 (24%) spending at least $10,000.
These findings quantify the very real impacts - some of them intangible - of a type 1 diabetes diagnosis, and how it can carry potentially life-changing implications for adults as they learn how to cope with a disease that has no known cure and ultimately requires lifelong dependence on insulin replacement injections for survival. Now, imagine if you had more time to brace yourself for a potential new reality.
Knowing sooner can have an impact
Early knowledge about a potential type 1 diabetes diagnosis, which is possible through an autoantibody test, can provide people with time to learn about the condition and prepare for constant, 24/7 disease management. Advanced information can be particularly valuable, considering that 79% of adults with type 1 diabetes changed how they lived their life when they first learned of their diagnosis, specifically because they felt overwhelmed and underprepared. A diagnosis can be a life-altering event, but early detection can help people feel more in control of their health, avoid the stress that comes with not knowing, and, importantly, potentially reduce the risk of serious health complications at the time of diagnosis. With these benefits in mind, it’s not surprising that the majority of adults (85%) with type 1 diabetes who became aware of their diagnosis after symptoms began wished they had known about their risk of developing the disease before their diagnosis. The1Pledge. com has a useful screening guide on how to talk to your doctor about getting screened early for type 1 diabetes
and what to do before, during, and after screening. Adults with type 1 diabetes recommend early screening
Although the benefits of early detection are clear, autoantibody screening is still uncommon today, largely due to a lack of awareness. Just consider that only 14% of adults with type 1 diabetes say they were screened with an autoantibody test prior to their diagnosis to see if they were at risk of developing the disease - and among those who did not screen, 72% of adults with type 1 diabetes said they were not even aware that an autoantibody test was available, demonstrating an awareness gap that must be closed.
What’s more, among those who were not screened, 68% regret not taking an autoantibody test to better understand their risk of developing type 1 diabetes - and nearly all adults with type 1 diabetes (92%) today would recommend friends and family members get an early autoantibody test for type 1 diabetes. There’s no need to wait to get screened and start to prepare for the future. “The Cost of Not Knowing” sends a message that it’s time to take charge of your health and talk to your doctor about your screening options. This research was conducted by Wakefield Research via two survey instruments - one among 1,000 US adults with type 1 diabetes and a second among 1,000 US caregivers to those under the age of 18 years with type 1 diabetes. Learn more about the survey findings and methodology at https://beyondtype1.org/ unexpected-type-1-diabetes-diagnoses/.
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
WHY MEN SHOULD Talk About Their Health
By d-mars.com News Provider
merican men may be neglecting their health and wellness, particularly when it comes to their urological health. But an open line of communication between men and their healthcare providers, and among family members, can lead to better care.
A Cleveland Clinic survey found that only three out of five men get annual physicals and 55% do not get regular health screenings. What’s more, many men shy away from the subject of their health, with 77% reporting that they don’t know their complete family history when it comes to urological issues.
Fortunately, innovations in the healthcare industry that are expanding access to tailored care are helping fill these gaps and helping healthcare providers support their patients’ needs more effectively.
Men can use these tips for a happy, healthier life:
• Don’t wait until you have a serious medical condition to see your doctor. Schedule annual physicals and all recommended health care screenings.
• Destigmatize men’s health issues by talking to male family members about prostate cancer. Prostate cancer is the second leading cause of cancer deaths for men in the United States and a man is two to three times more likely to get prostate
cancer if his father, brother or son had it. You should also talk to your primary care doctor or urologist about having a blood test and examination, particularly if you have a family history of the disease.
• Erectile dysfunction affects nearly 30 million men of all ages across the United States, according to the Indiana University School of Medicine, which notes that it could be the sign of another underlying health issue. Your urologist can help rule out causes, like heart disease and high blood pressure.
• When dealing with men’s health issues, talk to your healthcare provider about all available treatment options, including the potential benefits of using a compounding pharmacy. Compounded medicine
enables healthcare providers to prescribe treatments that are specifically tailored to individual biomarkers (biological molecules found in body fluids or tissues that are a sign of a condition or disease) by dosage and formulation. By analyzing biomarker data, compounded medications can be formulated with precise dosages and combinations of more than one active pharmaceutical ingredient, optimizing therapeutic outcomes for a wide range of health conditions.
For the best care possible, men should be proactive about their health, and providers should explore with their patients all available treatment options, including personalized solutions.
Source: StatePoint
Sisters Network® Inc. to Celebrate 30th Anniversary During 2024 National Black Breast Cancer Summit
By d-mars.com News Provider
n celebration of 30 years as the leading Black-led national organization dedicated to the Black breast cancer crisis movement, Sisters Network® Inc. will host the 2024 National Black Breast Cancer Summit.
The event is on Oct. 4-6, 2024, at the Hyatt Regency-Galleria at 2626 Sage Rd., Houston, Texas 77056. The summit is free and open to the public.
The two-day summit features leading breast health medical experts from major medical institutions who will present the latest information on breast health and survivorship.
Black women are 42% more likely to die of breast cancer, as compared to white women. Black women under age 35 are diagnosed at two times the rate as white women and are more likely to die at three times the rate.
“Our National Black Breast Cancer Summit is needed now more than ever,” said Karen E. Jackson, the founder/CEO
of Sisters Network Inc. “Our sisters are facing alarming breast cancer challenges. It’s imperative that we amplify the Black breast cancer crisis, educate the community to help save our sisters’ lives.”
“Sisters Network is committed to empowering and educating Black women about the importance of early detection, advocating for health equity, eliminating barriers, and increasing access to quality care for all women,” Jackson added.
During the summit on Saturday, October 5 at 12 p.m., Sisters Network® Inc. will also host the 30th Anniversary Pretty In Pink Luncheon & Style Show featuring fashions presented by Saks Fifth Avenue. A portion of the funds raised support the Karen E. Jackson Breast Cancer Assistance Program (BCAP).
“As Sisters Network® Inc. celebrates 30 years of being at the forefront of the Black breast cancer movement, I’m inspired by the courage and resilience of the countless
Black women our organization has provided emotional support and a sisterhood to during their breast cancer journey, the lives we have saved by educating Black women about breast health and the over $1.6 million in financial assistance and mammogram support we have offered to the Black community,” Jackson said.
The National Black Breast Cancer Summit is sponsored by Merck, Lilly, Novartis, Pfizer, MD Anderson Cancer Center, Eisai, and Genentech.
EMPOWERING COMMUNITIES TO AND CONQUER
Across the globe, countless lives are impacted by a disease that remains the most common cancer among women: breast cancer. While the challenges it presents are significant, so too are the advances in treatment, early detection, and support. Breast Cancer Awareness Month is more than a campaign—it’s a collective call to action, inviting us all to raise awareness, share knowledge, and empower one another in the fight against this illness. However, despite its prevalence, it remains one of the most treatable forms of cancer when detected early. This fact makes it a vital movement for encouraging women to take proactive control of their health. This month also serves as a time for pushing forward life-saving conversations, honoring those who have fought the battle against breast cancer, and promoting early detection, advocacy, and education.
Breast cancer is a disease characterized by the growth of malignant cells in the tissues of the breast. Malignant tumors have the ability to invade nearby tissues, spread to other parts of the body (a process called metastasis), and cause significant damage. Though it can affect both women and men, it disproportionately affects women. Because breast cancer in men is less common, it often goes unnoticed until later stages, making awareness and early detection just as critical for men as for women. Although rare, men should be aware of their risk, especially if there is a family history of breast cancer.
Statistics reveal that one in eight women (one in 833 in men) in the U.S. will develop invasive breast cancer during their lifetime. Despite this alarming figure, advances in treatment and early detection have dramatically improved survival rates over the past few decades.
These advancements serve as a beacon of hope, reminding us that breast cancer is no longer the insurmountable battle it once was. However, we still have work to do. We must continue to push for accessible health care, improved early detection methods, and support systems for every woman, regardless of her background or circumstances. It is through this kind of relentless advocacy and action that we will continue to increase survival rates, and one day, conquer this disease once and for all.
The importance of continuous education, regular screenings, and ensuring access to affordable health care cannot be overstated. Many women, particularly those in underserved communities, are significantly challenged with the cost and accessibility of preventive care, mammograms, and treatments. This is where advocacy groups and support networks step in, working to create avenues for women to access the care they need, regardless of their economic or social circumstances, and even their age.
The cornerstone of breast cancer survival lies in early detection. Mammograms, self-exams, and routine doctor visits are crucial tools that can help catch the disease in its early stages. However, the age limits and recommendations for mammograms can, at times, create barriers for women who fall outside the standard guidelines but may still be at risk.
This makes personalized risk assessments, discussions with healthcare providers, and increasing awareness of individual risk factors even more important in breast cancer prevention.
Women must be encouraged to perform regular self-breast exams, know their bodies, and consult their healthcare providers about their risk factors and family history. Breast cancer can manifest in ways, including lumps, changes in breast or skin discoloration. By understanding signs, women can advocate for themselves when something feels wrong. The earlier diagnosis, the better the prognosis. Breast cancer is not just a physical battle— it’s an emotional and psychological one well. From the moment of diagnosis through treatment, women often face intense tional challenges, such as fear, anxiety, depression. The availability of mental health sources and support systems are just as important as the medical treatment women receive. friends, or online communities play a helping women navigate their breast cancer
For some women, the risks associated more complex. While certain groups may develop the disease, they are often diagnosed forms and at younger ages. These disparities efforts must be tailored to reach every woman is left without access to early detection, es. It’s essential that all women—regardless empowered with knowledge about genetic advanced treatment options, which can improved outcomes.
If you’re reading this, whether as a survivor, eager to learn more, I encourage you taking action today. Get screened, educate of early detection, and support ongoing
Let us remind ourselves, our sisters, that prioritizing our health is not just empowerment. We honor those who we have lost, and continue to fight for Every conversation, every action, every and every donation made helps to move cancer no longer poses a threat to women
By Frenetta Tate Contributing Writer
EMPOWERING TO BREAST CANCER
healthcare family various breast tissue, understanding these themselves earlier the battle— one as through emoanxiety, and health reimportant receive. Family, critical role in cancer journeys.
associated with breast cancer can be may be slightly less likely to diagnosed with more aggressive disparities remind us that awareness every community, ensuring that no detection, education, and resourcwomen—regardless of their background—are genetic testing, clinical trials, and can open doors to better care and
survivor, a supporter, or someone you and thank you in advance for educate others about the importance ongoing breast cancer research efforts. mothers, daughters, and friends just a responsibility but an act of have survived, remember those for a future free from breast cancer. every step forward, every voice raised, move us closer to a world where breast women and men worldwide.
Frenetta Tate is the CEO of Frenetta Tate Global LLC, a women’s empowerment coaching company. She is available on social media @frenettatate.
Empowering Affirmations for BREAST CANCER AWARENESS
1. “I am strong, resilient, and capable of overcoming any challenge.”
• Embrace your inner strength and remember that you are more powerful than you know.
2. “My health and well-being are priorities in my life. I take charge of my body and my future.”
• Prioritizing your health is an act of self-love. Take time to listen to your body and care for it with compassion.
3. “I honor the journeys of all the brave women who have come before me, and I walk this path with courage and hope.”
• Draw strength from the women who have battled before you, and know that you are not alone in this fight.
4. “I trust my body, my instincts, and my ability to heal.”
• Your body has incredible wisdom, and when combined with medical care and self-awareness, you can overcome.
5. “I choose hope every day, and I know that hope fuels healing.”
• Hope is a powerful force. Let it guide your thoughts and actions on the journey to recovery and wellness.
6. “I am worthy of love, support, and the best care available. I advocate for my health and my life.”
•Never forget your worth. You deserve the best care, and you have the strength to advocate for yourself and others.
A Call to Action
Let these affirmations remind you of your strength, your power, and your worth. Whether you are facing breast cancer, supporting someone who is, or simply standing in solidarity, your voice matters. Together, we will continue to uplift, support, and empower one another in this journey.
You are not defined by this disease; you are defined by your spirit, your courage, and your ability to rise every day and choose hope. Stay empowered. Stay hopeful. Stay strong.
New Study Reveals Racial Disparities in Breast Cancer Mortality Rates Across All Tumor Subtypes
By Stacy M. Brown Contributing Writer
espite advancements in early detection and innovative treatments, Black women in the United States face higher mortality rates from breast cancer compared to white women. A systematic review and meta-analysis led by Mass General Brigham Integrated Health Care System sheds light on the extent of these disparities across different breast cancer subtypes.
DThe study, published in the Journal of Clinical Oncology, aimed to determine the disparities in breast cancer survival between Black and white women according to tumor subtype. Researchers conducted a comprehensive analysis of 18 studies published between 2000 and 2022, including data on 228,885 breast cancer cases—34,262 of which were in Black women. The different types were determined by the presence of human epidermal growth factor receptor 2 (HER2) and hormone receptor status. HER2 is a protein that is linked to more aggressive cancer. The results revealed that Black women have a significantly higher risk of breast cancer mortality across all tumor subtypes. Specifically, the risk of death was 50% higher for hormone receptor-positive, HER2negative tumors, 34% higher for hormone receptor-positive, HER2-positive tumors, 20% higher for hormone receptor-negative, HER2-positive tumors, and 17% higher for hormone receptor-negative, HER2-negative tumors. The findings indicate that disparities are present even in the most treatable forms of breast cancer.
“Our findings demonstrate that multiple, interacting factors contribute to disparities in breast cancer survival between Black and White women,” said senior author Erica Warner, ScD, MPH, a cancer epidemiologist at Massachusetts General Hospital. “To achieve equity, intervention is necessary at multiple levels—from community to healthcare systems and individual healthcare providers to patients themselves learning about their disease and what their expectations should be for their care.”
Along with Warner and Chandler, the study’s co-authors were Juliana M. Torres, Michelle O. Sodipo, and Margaret F. Hopkins. The study calls for concerted efforts at all levels of the healthcare system to ensure that Black women receive the quality of care necessary to reduce breast cancer mortality rates.
Breast cancer remains the most diagnosed cancer
among U.S. women and is the second leading cause of cancer death. Reportedly, Black women are around 40% more likely to die from breast cancer than white women. Until this study, researchers said it was unclear if this disparity existed across all breast cancer subtypes.
The study contends that several factors, including systemic racism, socioeconomic inequality, delays in cancer diagnosis, and inadequate access to high-quality cancer treatment, contribute to these disparities. These factors can affect the timeliness and effectiveness of treatment, regardless of the biological nature of the tumor.
“There had been an anecdotal sense in the research community that differences in survival between Black and White women were greater for the most treatable forms of the disease—tumors that carry hormone receptors—and smaller for the historically less-treatable, hormone-negative tumors,” Warner explained. The study confirms that disparities are indeed present across all subtypes, though they vary in magnitude.
“These findings underscore a stark reality in our healthcare system (that) Black women are facing higher risks of death from breast cancer compared to their white counterparts, across all types of the disease,” co-author Dr. Paulette Chandler emphasized. “This disparity isn’t just about biology. It’s a call to action for healthcare providers, policymakers, and communities alike to confront these inequities head-on and strive for meaningful change in breast cancer outcomes.”
The researchers highlight the need for multilevel interventions to achieve health equity. Programs that have successfully reduced disparities in cancer survival include those that help patients navigate the healthcare system, proactively identify social needs, and connect patients with necessary resources. Additionally, the study points to the potential impact of the underrepresentation of Black women in clinical trials, which may result in therapies not being adequately tailored to specific tumor subtypes. However, researchers concluded that the disparities are not inevitable. With targeted, multilevel interventions, the authors said it is possible to close the gap in breast cancer outcomes and achieve health equity.
Source: NNPA Newswire
How To Exercise During Each Stage of Your Menstrual Cycle
By Letrice Mason, MSN, APRN, FNP-C Contributing Writer
nlike men, women don’t “restart” their bodies after 24 hours but rather after 28 days, approximately. During this time, your motivation, energy levels, strength, and more can change. Leatn how each phase of your menstrual cycle can change the way you work out and what you can do to still make the most out of it.
Exercising During Menstruation
The menstrual cycle is divided into four different stages: menstruation, follicular phase, ovulation, and luteal phase. Each one has a different effect on your body due to the hormone levels experienced during said periods. When you have your period, you shed the lining of your uterus which lasts around three to seven days (on average). This part of the cycle is often known as the “worst” but many studies have presented impressive proof that exercising during your period can actually help relieve cramps and result in a slightly less painful menstrual cycle.
According to the phase of your cycle, you can experience more or less motivation, energy, and strength to go through a workout session, which is why learning more about how your menstrual cycle can affect your performance is essential to keep your body moving without hurting it or making your mind feel like you’re not being productive.
Exercising During Your Follicular Phase
The follicular phase begins the same day your period comes and it extends until you start ovulating. During this time, your hormone levels increase and so does your energy.
Because of the number of hormones that are stimulated during this time, it is recommended that you do high-intensity workouts to take advantage of such an increase. HIIT workouts, as well as heavy weights for strength training, are great recommendations as well as running and dancing.
Exercising During Ovulation
Ovulation lasts around three to five days when a mature egg is released from the surface of the ovary and travels through the fallopian tube until it arrives in the uterus. If the egg is not fertilized within 24 hours, it disintegrates.
During this phase, you’ll still have some high energy levels since its proximity to the follicular phase, therefore doing the same activities should be fine. If you experience extreme pain or cramps you should modify your workout routine to a lighter intensity.
Exercising During the Luteal Phase
The luteal phase lasts around two weeks and it is the part of your period where your energy levels will start to decrease due to the amount of work your body is doing to prepare for menstruation.
It is recommended to use this time to recover and try to cut back on the physical activities that you’ve been doing to allow yourself to properly rest. After reading this article, we hope you gained a bit more knowledge about your period and how you can use each stage of your cycle to your advantage.
If you’re looking for a specialized healthcare center with top-class services and friendly personnel, don’t hesitate to book a consultation with us. Her Down There is here to help you clear all doubts you might be having about your body.
Boost Your Health This Fall with 5 Expert Tips
By d-mars.com News Provider
o you find that your health and fitness take a back seat during the fall and winter months? As the temperatures drop and the days grow shorter, it can be difficult to motivate yourself to make healthy choices that support your well-being.
Instead of throwing in the towel, get ahead of the sluggishness of the colder months by taking proactive steps to prioritize wellness. Check out these five expert tips that can help you thrive this fall and winter with ease.
Set a smart routine
One of the best ways to set yourself up for health and fitness success during fall and winter is by establishing and maintaining a routine. For example, waking up and going to sleep at the same time each day can help ensure you’re getting enough rest every day.
That said, new routines can be hard to get into at the beginning. To help you toward your goal, set alarms and reminders on your phone or other devices to remind you when to go to bed and wake up. You can do the same to remind you to get some exercise and any other health and fitness goals you may have.
Caffeinate (wisely)
Caffeine can provide a needed boost of energy to start your morning on the right foot or help you stay focused during the
afternoon. However, be careful how much caffeine you ingest. Too much caffeine can make you jittery and can disrupt your sleep patterns, leading to tiredness, stress and anxiety.
Instead of reaching for a cup of Joe or an energy drink, consider an exact or more controlled delivery and vitamin-packed option, like a powdered energy supplement.
Get moving
Even during the colder months, it’s important to move your body every day. The weather may prevent you from going on a walk or jogging outside, but you can still engage in an indoor workout for daily exercise.
Any activity will do. If you’re a social butterfly, a dance or group fitness class can
make working out more fun, which may make it easier to do more consistently. If you want to pair exercise with mindfulness and meditation, yoga may be more your speed. Don’t worry if you can’t fit in an hour of exercise every day. Any amount of physical activity is better than none and help you feel better.
Double down on nutrition and immune support
Eating a balanced diet with a variety of nutrient-rich foods is key to maintaining your health and wellness. A well-rounded diet is especially important during fall and winter to boost your immunity during flu season. However, even the most balanced diets have nutritional gaps, so consider adding a nutritional supplement to your
daily routine.
You could take pill supplements, but a convenient and tasty way to support your nutrition and immune system is with Spark. In addition to a moderate dose of caffeine, each dose contains vitamins A, B, C and E, zinc, copper, chromium and other vitamins that support a healthy immune system.
Manage stress
Stress is an inevitable part of life. Some stress can even be positive when managed properly to help motivate you to achieve your goals or meet a deadline. However, prolonged periods of stress can negatively affect your physical and mental health. For example, you may find that when you’re stressed you adopt poor eating and sleeping habits.
Try out different stress management strategies to keep your stress in check. Mindfulness techniques like meditation, deep breathing exercises or journaling can help ground you after a long day at work or before a big event. Incorporating self-care moments throughout the day, like taking a bath or reading in a quiet and cozy space, can also help you manage your stress. Good health and fitness don’t happen by accident. Using these five tips, and with the support of your healthcare provider, you can invest in well-being and stay healthy and active all fall and winter long.
Source: Brandpoint
PRIMARY CARE QUALITY CARE FOR EVERY STAGE OF LIFE
Live
By d-mars.com News Provider
a unique story of two cousins from Louisiana, each excelling in their respective fields. One, Terence Blanchard, is a Grammy Awardwinning jazz trumpeter, composer, and NEA Jazz Master hailing from New Orleans. The other cousin, Dr. Loren J. Blanchard, is the president of the University of Houston-Downtown (UHD), one of the largest higher education institutions in the city, born and raised in Lake Charles, Louisiana. Now, these two accomplished men will come together in celebration of UHD’s 50th anniversary for an unforgettable night of music.
On Saturday, Nov. 9, 2024, Blanchard will take the stage for a special concert, “TERENCE BLANCHARD LIVE FOR UHD: Film Scores, Jazz and Beyond,” at University of Houston’s Cullen Performance Hall. Blanchard and his band, the E-Collective, will perform selections from his film scores, accompanied by student musicians from the UH Moores School of Music. This highly anticipated event, funded in part by a City Initiative grant from the City of Houston through the Houston Arts Alliance, promises to be an extraordinary evening celebrating music, culture, and five decades of educational excellence.
“The student musicians are excited and have been practicing for the event,” Dr. Blanchard said during an interview with d-mars.com. “I am hoping Terence will serve as a source of inspiration for those students and they’ll get a chance to pick his brain while learning more about his journey as they rehearse.”
A Concert with a Purpose
While this concert will undoubtedly be a musical celebration, it’s also about student success.
“The importance of this concert is to amplify the power of jazz in bringing so many people in the greater Houston area together in support of UHD and, specifically, our student success efforts,” Dr. Blanchard emphasized when explaining the broader mission behind the performance.
Proceeds from the event will provide scholarships and emergency grants for UHD students, helping remove financial barriers in order for them to obtain college degrees.
5O Years of Excellence
When asked about the significance of 50 years for the university, Dr. Blanchard says it lies in understanding the value that UHD brings-- not only to the downtown area but to the city, state, and nation.
“We’re really proud of our graduates who go out and fill a lot of the critical workforce needs here in Houston. Our graduates become social workers, police officers, teachers, principals, biologists, and so on,” Dr. Blanchard said. “We’re only
as good here at UHD as those individuals who graduate from our campus and go out and make a difference in the community and world. Our students are leaving with the knowledge, skills and dispositions to not only go into their careers and perform well but become leaders in their fields.”
So, how does Dr. Blanchard want to see UHD evolve in the next 50 years?
“I want to ensure UHD is on the cutting edge as an urban university and strengthening itself as an anchor institution for the city and state. What I mean by that is understanding some of the issues that we face in an urban environment here in Houston, which is the nation’s most diverse city, and UHD’s student population reflects that diversity,” Dr. Blanchard explained. “We have to understand that there are many positive aspects of being in an urban environment but there are many negative aspects as well—homelessness and food shortages are some of them. The beauty is determining what role we’ll play in eliminating those kinds of disparities that we see in our community. That is certainly going to be the tone for the next 50 years.”
A Family Affair
For Dr. Blanchard, the concert and family reunion hold personal significance.
“It feels quite amazing. His grandfather and my grandfather were brothers. I grew up spending
some time with him as a kid and adolescent, but not as much as I did when I moved to New Orleans for my undergraduate experience at Xavier University. I also worked at Xavier for a couple of years and that’s where we became closer,” Dr. Blanchard said. “There are many students who have stopped me to tell me how excited they are. It gives me an opportunity to share with them all the great achievements he’s been able to acquire over the years and how fortunate I feel to have him here.”
Blanchard’s Legacy: From Film Scores to Jazz Mastery
With more than 75 film credits to his name, Terence Blanchard is known for being one of the most prolific and versatile composers. His list of film scores includes memorable collaborations with Spike Lee in films like Mo’ Better Blues, 25th Hour, and the Oscar-nominated BlacKkKlansman and Da 5 Bloods. Blanchard’s distinctive voice has graced the soundtracks of films by Regina King (One Night in Miami), George Lucas (Red Tails), and Kasi Lemmons (Eve’s Bayou and Harriet), among others. Blanchard is also a big figure in the world of opera. His opera Fire Shut Up in My Bones made history as the first opera by an African American composer to be performed at the Metropolitan Opera in its 138-year history. Fire achieved so much success that it returned for a second run in 2024. His earlier opera, Champion, also earned much praise and received Grammy Awards for “Best Opera Recording.”
Blanchard has earned eight Grammy Awards, alongside multiple nominations for both the Academy Awards and Emmys. In 2024, he was named an official National Endowment for the Arts (NEA) Jazz Master, adding to his many accolades, which include being inducted into the prestigious American Academy of Arts and Letters. While Blanchard’s influence in jazz and film music is undeniable, he has earned praise for his work in R&B, classical music, and opera.
Fireside Chat with the Blanchards
Before the concert, the Blanchard cousins will sit down for a Fireside Chat, free and open to the public, at UHD’s Welcome Center on Friday, Nov. 8, 2024, at 11 a.m. This conversation will provide an intimate glimpse into their careers, family history, and the significance of music in their lives. Attendees can expect insights into Terence’s creative process, his journey as a composer, and the shared experiences that shaped both his and Dr. Blanchard’s trajectories.
“What I hope students will draw from the Fireside Chat is to always be ready to stretch yourself and know that your mind has the capacity to do far more than what you ever thought that it could. He’s a living example of that,” Dr. Blanchard said.
A Night to Remember
Terence’s concert promises to be a highlight of UHD’s 50th-anniversary celebrations. The collaboration of student musicians with Blanchard’s seasoned ensemble promises to be a captivating and inspiring experience.
Honoring of Excellence at UHD
Tickets prices will range from $50 to $250. VIP packages, which include access to the Fireside Chat and a meet-and-greet opportunity with Blanchard, are also available. Don’t miss the chance to support UHD’s mission and celebrate its rich 50-year history. For tickets and more information, visit uhd.edu/50yearsconcert. Box Office: 832.842.3131 | cphguest@central.uh.edu Sponsorships: UHD Advancement 713.226.5236 | advancement@uhd.edu
Dr. Loren J. Blanchard
UHD President Credit: Colt Melrose Photography
Looking for a Financial Advisor? Here are Things to Consider
By
Choosing the right financial advisor is crucial for managing your financial future. Managing finances can be time-consuming and stressful. A financial advisor takes on the responsibility of monitoring your financial situation, making adjustments as needed, and providing peace of mind so you can focus on other aspects of life. Financial advisors have the knowledge and experience to help you make informed decisions about complex financial matters like investments, retirement planning, and tax strategies. They can tailor advice to fit your unique financial situation. They help you define
clear financial goals, such as buying a home, saving for college, or retiring comfortably. They create a personalized roadmap to achieve those objectives, ensuring you stay on track. Advisors assess your risk tolerance and help you build a diversified portfolio that balances risk and reward. They also guide you in protecting your wealth through insurance and other safeguards.
Here’s an in-depth guide to help you make the best decision when choosing a financial advisor:
Determine Your Financial Needs: Identify your goals—whether it’s retirement planning, investment advice, debt management, or estate planning. This will help you find an advisor with expertise in your specific area.
Know the Types of Advisors
- Fee-Only Advisors: Charge a flat fee or hourly rate and don’t earn commissions from selling products.
- Fee-Based Advisors: Can charge both fees and earn commissions from products sold.
- Commission-Based Advisors: Primarily make money from the products they sell, which can lead to potential conflicts of interest.
Check Their Credentials: Look for designations like Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), or Certified Public Accountant (CPA). These indicate a high level of expertise and adherence to ethical standards.
Understand Their Fiduciary Responsibility: Make sure the advisor acts as a fiduciary, meaning they are legally required to act in your best interest rather than their own financial gain.
Research Their Experience and Specialties: Look into how long they’ve been in practice and whether they have experience in your specific needs. Some advisors focus on retirement, tax strategies, or investments, so make sure their expertise aligns with your goals.
Check Background and Reviews: Verify their background on the SEC’s Investment Advisor Public Disclosure website or FINRA’s BrokerCheck. Read client reviews and ask for references to get an idea of their reputation.
Discuss Their Fee Structure: Ask upfront about how they charge— whether it’s a flat fee, percentage of assets under management, or commission. Ensure there are no hidden fees.
Schedule an Initial Consultation: Many advisors offer free consultations. Use this opportunity to gauge their communication style, how well they explain things, and if they seem genuinely interested in your financial well-being.
Evaluate Their Communication and Transparency: Your financial advisor should be able to explain complex financial concepts in a way you understand. Regular communication is key, so find someone who is transparent and reachable.
Trust Your Instincts: Ultimately, the relationship between you and your advisor should be based on trust. If something feels off, don’t hesitate to walk away and find someone else.
60% of Americans Say Their Network
Opens Doors to Moneymaking
By d-mars.com News Provider
ne in three (31%) Americans say they owe the job they have nowand the salary they make (29%) - to their personal network, according to new research from Empower, a leader in financial planning, investing, and advice. For Millennials, that number rises to 40% on both dimensions.
Six in 10 Americans believe that the strength of their connections is key to success, from career advancement to pay and promotions. Half of people (50%) say it would be naive not to take advantage of personal connections. Some 75% say it’s important to use your network to help others, and half of Americans say they’ve actively helped others get a job (53% overall, 61% Millennials)
“The ‘Network Effect” is real, and your dream salary may be one connection away. Many Americans see the power of personal connections as a key to unlocking moneymaking opportunities,” says Rebecca Rickert, head of communications at Empower. “People view the investment of time or money as a means of paying it forward - an investment that pays back.”
People are also turning to their inner circles for financial help. A third of Americans (32%) say they have not saved enough and need to rely on their network to make ends
meet (41% Gen Z, millennials). One quarter receive an average of $390 per month ($4,680 annually) in financial support from relatives or personal connections. Nearly a third admit to receiving financial assistance from their parents after the age of 18 (30%) - and 45% of parents say they provide financial support to their adult children. Additionally, 28% of people have received help with living expenses such as groceries, rent, or mortgage payments.
Still, 50% feel embarrassed about having to rely on others for help with money, as the majority (79%) of Americans believe it is important to be financially independent and many (57%) are doing everything they can to achieve it. Some 61% say rising prices and inflation are preventing them from getting ahead financially.
The power of personal connections extends to giving back, too: 66% say paying it forward to others in this way increases their happiness. Six in 10 Americans have paid it forward to strangers in small ways, too, like paying for the person behind them in the drive-thru.
More findings:
Generational hardships: 40% overall say their generation needs financial help because they are at a disadvantage compared to other generations (54% Gen Z, 55% Millennials, 36% Gen X, 23% Boomers).
Keeping up with the Joneses: A quarter say they spend more than they make trying to keep up with others (23% overall, 33% Gen Zers); Men are more likely than women to agree (27% men, 19% women). Diploma dilemma: More than one in five (21%) have received financial help for education from their network. Though, nearly a third say that due to their career choices (e.g., lack of a degree, low-paying jobs) they need to financially rely on others (27% overall, 38% Gen Z, Millennials). Just 7% say they received a legacy admission to a college of choice due to personal connections.
Opening doors: Some 25% of Americans say they’ve received career support from their parents, including connections, advice, introductions, and professional development. One in 5 Millennials have gotten freelance opportunities due to their personal connections. Picking up the bill: One in four admit to having daily discretionary expenses like eating out and getting coffee covered by others. 17% of people have enjoyed a fully paid vacation courtesy of their relatives, friends, or personal connections (20% Gen Z and 22% Millennials).
Family ties: 58% believe that family members and close friends need to help each other financially; 35% prefer to live at home with family or roommates to save money.
*About the Study
Empower’s “The Network Effect” study is based on online survey responses from 2,200 Americans ages 18+ fielded by Morning Consult between Aug. 5-7, 2024. The survey is weighted to be nationally representative of U.S. adults (aged 18+).
Source: Brandpoint
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Understanding Your Credit Score
By d-mars.com News Provider
our credit score plays a significant role in your ability to reach your financial goals.
When you apply for a loan, a cellphone, a rental unit or any number of other activities, lenders and potential creditors will look at your credit score to gauge your financial stability and your risk of defaulting on a financial responsibility. The better your score is, the more options will be available to you, including higher chances of getting approved for a loan and better loan terms.
Here’s a look at what financial activities are affecting your credit, as well as some tips for improving your score. How do credit scores work? There are many different types of credit scores, but the FICO score is the one used by most lenders. Scores range from 300 to 850 points. According to FICO itself, scores are based on these five factors:
1. Payment history: Payment history accounts for 35% of your credit score and reflects how consistently you’ve made on-time payments.
2. Amount owed: Worth 30% of your score is your amount of outstanding debt. The lower this figure is, the higher your credit score.
3. Length of credit history: Your credit history, which accounts for 15% of your credit score, is based on the length of time you’ve had credit accounts open in your name. A longer credit history can help your score.
4. New credit you apply for: Credit inquiries are worth 10% of your credit score. Each time you apply for credit, your score goes down — with one exception: when you’re shopping for a mortgage, student or auto loan, credit scoring models only count one inquiry if your comparison shopping is done within a 14- to 45-day period. Note that inquiries will affect your credit even if you’re denied or ultimately decide against the loan or credit card. Each inquiry affects most scores by 5 points or fewer and can stay on your report for up to 24 months.
5. Types of credit you use: The final 10% of your score is determined by whether you can responsibly use different types of credit, such as installment and revolving debt. You can get your free credit report from the three main credit bureaus once every 12 months at www. annualcreditreport.com or by calling 877-322-8228. What behaviors are good for credit? Your credit score will naturally go up and down as you go about your daily life.
Why Anxiety, Dishonesty and Evasion Are So Common Where Money is Concerned
By d-mars.com News Provider
new survey suggests that while consumers are decreasing their spending to get by in the current economy, they harbor some anxieties and are struggling to improve their approach to money management.
The inaugural “Wells Fargo Money Study” surveyed American adults and teens to uncover candid truths about their current finances, money stories, personal goals and other issues related to their attitudes toward money.
One overarching theme to the findings is that complicated emotions and money often go handin-hand. Americans are worried about money and for many, these concerns began at a young age. More than two-thirds of adults worry about money and over half of teens do.
What’s more, many people reported feeling embarrassed, judged and overfocused on the subject. Some even admitted that money created tension in their family and relationships. At the same time, money is a subject that most Americans attempt to avoid. Up to two-thirds are reluctant to talk about money, four out of five regard it as a private topic, and most Americans say it’s harder to talk
about than religion, politics or death. Up to one-third of all those surveyed say they have lied about their money. And among teens, half confess they have lied about how much they spend. The good news? While money anxieties, and some not so positive habits are common, Americans remain optimistic about where their money stories are heading and believe there are solutions to helping them make improvements. Large majorities of respondents say they would value help from their bank in being more intentional and thoughtful about their spending, and in aligning their choices with their values. Most of those surveyed also see their bank as a potential source of education on
Nearly half of Americans are seeking support in the form of ideas for improving their situation, along with ways to plan, envision and map out the future, and nearly one-fifth of Americans value technology solutions that simplify money management. For additional survey insights, visit sites.wf.com/ wfmoneystudy.
However, these actions are associated with good credit:
• Making payments on time.
• Keeping your debt load manageable.
• Using as little of your credit limit as possible.
• Paying the full amount due, or at least more than the minimum amount due.
• Reviewing credit reports annually.
• Not shopping for too much credit.
How can you improve your score? If your current credit score has been damaged or is otherwise low, set a goal to improve it. In addition to smart credit management, consider taking the following steps:
• Enroll in a free financial education class to acquire the building blocks you need to improve your finances and your credit.
• Build credit through rent payments. Unfortunately, rent payments are not automatically factored into your credit score. That means, for many people, their largest monthly expense doesn’t help them build credit. Talk to your landlord about reporting your payments to the three major credit bureaus. If they’re not able to do so, you can do it yourself through a rent reporting service. To learn more, visit myhome.freddiemac.com/renting/ how-get-your-rent-reported-credit-bureaus.
Good credit expands horizons. No matter where you are in your financial journey, you can take steps to improve your credit and live the life you want.
Source: StatePoint
Source: Brandpoint
Frankie Beverly, the iconic frontman of the soul, R&B, and funk band Maze Featuring Frankie Beverly, was born Howard Stanley Beverly, joined the ensemble The Silhouettes at just 13 years old and later formed his own group, The Blenders, inspired by doo-wop icons like Frankie Lymon. In a nod to his musical idol, Beverly changed his first name to Frankie, setting the stage for his future legacy.
Beverly Credit: NNPA Newswire
How to Spot a Moving Scam
By d-mars.com News Provider
oving is a big life change - a task that you should be able to focus on without the worry you’ll fall victim to a moving scam. Unfortunately, perpetrators target movers during this vulnerable time. In fact, the number of moving complaints continues to rise in the U.S. with the most common grievances involving inaccurate estimates and allegations of deceptive business practices, according to a 2024 study by USA TODAY Homefront. Here are some recommended tips to help stop scams before it’s too late. Here are some of the most common red flags to look out for:
Unusually low estimates
A moving quote that seems too good to be true likely is. Reputable movers base their estimates on factors like the distance of the move, the size of your household and the services required. Be cautious of companies offering significantly lower prices than competitors without a clear explanation. Lowball estimates often lead to hidden fees or additional charges once your belongings are in the moving truck.
Upfront payment demands
Legitimate moving companies may require a credit card to secure your move date, but they won’t ask for full payment before the move begins. Be wary of companies demanding upfront payment in cash or wire transfer in addition to requesting sensitive personal information such as your Social Security number. Some scammers will also refuse to deliver your belongings until you pay additional fees. This is illegal and should be reported to the authorities. High-pressure sales tactics
A trustworthy moving company will work with you to create a moving plan that meets your needs and budget. If a company uses aggressive sales tactics or pressures you to make a quick decision, it’s a red flag. Take your time, get multiple quotes and read reviews before committing to a mover.
Lack of licensing and insurance
All professional movers must be licensed and insured to operate legally. Before signing a contract, ask to see proof of both. A reputable company will readily provide this information. Moving without proper insurance can leave you vulnerable to financial loss if your belongings are damaged or lost during the move.
Missing details in the contract
A comprehensive moving contract should clearly outline the services provided, including packing, loading, transportation and delivery. Be cautious of contracts with vague or missing information. Reputable movers will provide a detailed inventory of your belongings and specify the terms of the move.
No physical address
Legitimate moving companies have a physical address where you can visit their offices, if needed. Be wary of companies that only provide a P.O. box or email address. A physical location is essential for establishing trust and ensuring accountability.
Negative online reviews
Researching a moving company online is crucial before hiring them. Look for customer reviews and complaints on platforms like the Better Business Bureau and social media. Negative reviews can indicate a history of poor service or fraudulent practices.
Moving to a new home is an exciting milestone. With a little preparation, it can be a smooth process. By being aware of common scams and choosing a reliable moving company, you can embark on your next chapter with confidence.
Source: Brandpoint
Preparing For Colder Months: What Homeowners Need to Know About Home Heating
By d-mars.com News Provider
s the days grow shorter and temperatures begin to dip, it’s time to get homes ready for the colder months ahead. Homeowners might be eager to cozy up with blankets, but it’s just as important to think about the heating systems that quietly ensure warmth and comfort. From heat pumps to furnaces, these units play a pivotal role, and homeowners need to be aware of the increase in demand for these systems in the winter months. Following are tips to help homeowners prepare their heating systems for the coming season while staying informed about changes in the industry that could impact them. Understand how your heating works and the best option for your home’s needs. Before the cold sets in, it’s prudent to take time to understand how a heating system works. Whether it’s a heat pump, furnace or a hybrid system, understanding its features,
Amaintenance requirements and overall efficiency is key. Following the manufacturer’s maintenance schedule and recognizing when it’s time for repairs or upgrades can save both energy and money.
For those considering switching units before winter, a heat pump is a popular option. Heat pumps offer an energy-efficient way to maintain a comfortable home by transferring heat from outside to inside, even in cooler climates. One standout advantage of a heat pump is its ability to run on electricity, often making it a more sustainable and affordable option.
For areas with harsh winters, homeowners might want to explore a dual-fuel system. This type of system combines the benefits of a heat pump with the flexibility of a gas furnace, allowing homeowners to switch between electric heat and natural gas, depending on the weather. It’s an efficient way to ensure optimal comfort no matter the outdoor temperature.
Stay on top of regular maintenance.
Regular maintenance is crucial to ensure heating systems run efficiently and reliably throughout the winter months. A well-maintained system can save homeowners from the headache of unexpected breakdowns and high energy bills.
Heat pumps, for example, are relatively inexpensive to operate; however, because the outdoor unit operates year-round, it’s important to keep it in top shape. Simple tasks, like keeping the outdoor coil clean, can help extend the system’s lifespan and maintain its efficiency. Consulting a reliable contractor is recommended to ensure the unit receives an inspection and the attention needed for it to perform at its best. Keep up with changing regulations. As we head into 2025, homeowners should be aware of regulatory changes that may affect their heating and cooling systems. One of the more notable changes on the horizon is the switch to A2L refrigerants, which will replace the hydrofluorocarbons
By Stacy M. Brown Contributing Writer
he U.S. Department of Housing and Urban Development (HUD) has awarded $31.7 million in grants to 75 fair housing organizations across the country as part of its FY 2024 budget, providing crucial support to initiatives aimed at eliminating housing discrimination.
TThe grants are part of HUD’s Fair Housing Initiatives Program (FHIP), with funds being directed to second- and third-year multi-year grantees of the Private Enforcement Initiative (PEI). These funds will enable the organizations to continue their enforcement efforts to address housing discrimination nationwide.
The National Fair Housing Alliance, located in Northwest D.C., works to eliminate housing discrimination through a wide range of programs including education, advocacy, enforcement, and public policy. The Equal Rights Center, based in Northeast D.C., focuses on addressing
(HFCs) currently used in most systems. This transition is part of the American Innovation and Manufacturing (AIM) Act of 2020, which mandates a phasedown of HFCs due to their high global warming potential (GWP).
Starting Jan. 1, 2025, the Environmental Protection Agency (EPA) will enforce a 700 global warming potential (GWP) limit on refrigerants used in heating and cooling systems. These refrigerants, which have already been used in smaller appliances, like window units, will now be a key component of larger HVAC systems, becoming the standard in the industry.
Whether homeowners are maintaining their current unit or considering an upgrade, being informed about system options and regulatory changes can help ensure smart decisions resulting in environmental benefits and potential savings on energy bills.
Source: Brandpoint
HUD Awards $31.7 Million to Support Fair Housing Organizations Nationwide
discrimination in housing, employment, and public accommodations both locally and nationally. These grants will support the organizations’ fair housing enforcement activities, which include conducting investigations, fair housing testing in rental and sales markets, and filing complaints with HUD or state and local agencies. Additionally, the funds will enable educational outreach to inform the public and housing providers about the Fair Housing Act and its provisions.
“Ensuring fair access to quality and affordable housing for people who have been historically discriminated against is one of the foundations of our mission,” HUD Acting Secretary Adrianne Todman said in a news release.
“These awards provide significant resources to our private partners on the ground to enforce the Fair Housing Act and promote inclusive communities.”
HUD also extended financial support to five additional organizations, including Family Housing Advisory Services and Housing Opportunities Project for
Excellence (HOPE), Inc., using $500,000 in unspent funds from its FY 2023 budget. These grants fall under the Education and Outreach Initiative (EOI), aimed at educating the public and housing providers about fair housing laws and compliance.
“The Fair Housing Initiative Program continues to empower our state and local partners to advance fair housing at the grassroots level,” added HUD Principal Deputy Assistant Secretary for Fair Housing and Equal Opportunity Diane M. Shelley. “These funds will drive meaningful progress and lasting positive impact within the communities we serve.”
Source: NNPA Newswire
TSouthern-Style Five-Cheese Mac and Cheese
By d-mars.com
News Provider
his decadent five-cheese mac and cheese is a creamy, flavorful twist on the classic Southern dish. Made with a rich blend of sharp cheddar, smoked gouda, mozzarella, Monterey Jack, and Parmesan, it offers a perfect balance of tang, smokiness, and melt-in-yourmouth goodness. The smoked gouda adds a subtle depth, while the cheddar brings a sharp kick, and the combination of mozzarella and Monterey Jack ensures a smooth, gooey texture. Finished with a golden-baked, crispy breadcrumb topping, this mac and cheese is the ultimate comfort food indulgence.
Here’s a recipe for a Southern-style five-cheese mac and cheese that includes gouda. It’s creamy, cheesy, and full of rich flavor:
INGREDIENTS
16 oz elbow macaroni
2 cups sharp cheddar cheese (shredded)
1 cup smoked gouda cheese (shredded)
1 cup mozzarella cheese (shredded)
1 cup Monterey Jack cheese (shredded)
1 cup Parmesan cheese (grated)
3 cups whole milk
1 cup heavy cream
½ cup unsalted butter
¼ cup all-purpose flour
1 teaspoon garlic powder
1 teaspoon onion powder
½ teaspoon paprika (optional)
Salt and pepper (to taste)
½ cup panko breadcrumbs (optional for topping)
DIRECTIONS
1. Cook the macaroni:
- Bring a large pot of salted water to a boil. Add the elbow macaroni and cook until al dente (about seven to eight minutes). Drain and set aside.
2. Make the cheese sauce:
- In a large saucepan over medium heat, melt the butter. Once melted, whisk in the flour to create a roux, cooking for two to three minutes until it turns slightly golden.
- Slowly whisk in the whole milk and heavy cream, stirring constantly to avoid lumps.
- Continue cooking for about five minutes, stirring occasionally, until the mixture thickens.
3. Add the cheeses:
- Reduce heat to low. Gradually stir in the cheddar, gouda, mozzarella, Monterey Jack, and Parmesan cheeses. Stir until all the cheese has melted into a smooth sauce.
4. Season the sauce:
- Add the garlic powder, onion powder, paprika (if using), and salt and pepper to taste.
5. Combine pasta and sauce:
- Mix the cooked macaroni into the cheese sauce, stirring until the pasta is fully coated.
6. Bake (optional):
- Preheat your oven to 350°F (175°C). Pour the mac and cheese into a greased 9x13-inch baking dish. If you like a crispy top, sprinkle with panko breadcrumbs.
- Bake uncovered for 20-25 minutes until the top is golden and bubbly.
7. Serve:
- Let it cool for a few minutes before serving. Enjoy your Southern five-cheese mac and cheese!
This dish is perfect for a hearty side but could also work as a main course!
By d-mars.com News Provider
AfroTech, one of the largest gatherings of Black tech innovators, entrepreneurs, and creatives, is coming to the Bayou City.
As the world increasingly recognizes the power of diversity in shaping the future of technology and business, AfroTech has become a premiere event where innovation meets community, and Black excellence is celebrated across all sectors of the tech landscape.
AfroTech Conference 2024 will be held in Houston from November 13-16, continuing its legacy of connecting Black professionals and aspiring innovators with global tech giants, startups, and investors. Building on last year’s success, which attracted over 35,000 participants citywide, the conference is set to bring together thousands of Black professionals and trailblazers for four days of learning and networking. The event will feature over 50 keynote speakers from leading companies such as Riot Games, American Express, Capital One, and Deloitte. Attendees can look forward to panels and dynamic discussions on topics including data engineering, AI, and cybersecurity, as well as interactive networking sessions and workshops designed to empower Black professionals and promote
AfroTech Conference 2024 Coming to Houston this Fall
diverse perspectives within the tech industry.
“AfroTech Conference is a catalyst for innovation and empowerment within the Black community,” said Morgan DeBaun, Founder, Chairperson, and CEO of Blavity, Inc.
“Our mission is to foster meaningful connections and showcase groundbreaking ideas that drive industry growth. By bringing together top leaders, emerging talent, and dynamic programming, we create a platform that celebrates and accelerates the future of technology and business.”
• The Creative & Design Summit will delve into the latest trends in cutting-edge design, innovation, and groundbreaking concepts led by top creators.
• The Women’s Summit is a dedicated space for women to connect and learn from trailblazing leaders who are shaping the future of the tech industry.
• The Health & Environmental Equity Summit brings together healthcare professionals, sustainability pioneers, and MedTech innovators to discuss the latest advancements and challenges in these critical areas.
• The AI & Cybersecurity Stage is focused on exploring Quantum AI, Automation, and the ethical challenges surrounding AI development and regulation. This stage will also feature demos highlighting AI’s diverse applications across various industries.
The conference is expected to be an extraordinary event
with a lineup of sponsors such as Apple, Gap, Inc., Eli Lilly, Warner Bros. Discovery, and more.
Programming will feature panels, fireside chats, and discussions led by speakers and talent such as:
• Beatrice Dixon, CEO, Co-Founder, and Chief Innovation Officer, The Honey Pot Company
• Jennifer Lynne Williams, Chief Development Officer, USA Basketball
• Carla Vernón, CEO & Board Director, The Honest Company
• Gabrielle Wesley, Chief Marketing Officer, Mars Wrigley North America
• Rachel Rodgers, CEO & Founder, Hello Seven
• Alexis McGill Johnson, President and CEO, Planned Parenthood Federation of America & Planned Parenthood Action Fund
• Sharon Bowen, Chair, New York Stock Exchange
• Jarell Oshodi, Deputy Chief Privacy Officer, Center for Disease Control & Prevention (CDC)
• Vince Adams, Chief Financial Officer, Everlane
• Rashad Robinson, President, Color of Change
• Bun B, Rapper and Entrepreneur
For more information, visit afrotechconference.com/.
Best Places to Experience Fall in Texas
By d-mars.com
News Provider
hen you hear the words “fall” and “Texas,” what comes to mind?
Texas may not be the first place that comes to mind when thinking of vibrant fall foliage, but the Lone Star state offers several breathtaking spots where autumn colors truly shine. From the rolling hills of Hill Country to the lush forests of East Texas, there are plenty of places to experience the magic of fall. Here are some of the best locations in the state to catch the changing leaves.
Lost Maples State Natural Area-
Located in Vanderpool, Lost Maples State Natural Area is one of the premier destinations for fall foliage in Texas. This park is known for its striking Uvalde bigtooth maples, which turn brilliant shades of red, orange, and gold in late October and early November. With 10 miles of hiking trails, including the scenic East Trail, visitors can take in the autumn splendor from various vantage points. Be sure to plan ahead, as this park can fill up quickly during peak fall weekends.
Guadalupe Mountains National
Park - Guadalupe Mountains National Park, located in West Texas, offers some of the best fall foliage in the state. The McKittrick Canyon Trail is the highlight here, as the maples, ash, and oak trees create a stunning display of red, orange, and yellow against the backdrop of rugged desert terrain. The peak season for fall colors in the park is typically late October to early November. In addition to the foliage, the park’s breathtaking cliffs and vistas make it a must-visit destination.
Garner
State Park
- Situated along the Frio River in the Texas Hill Country, Garner State Park offers a fantastic fall experience. The park’s cypress, oak, and mesquite trees take on vibrant hues, and the clear, cool waters of the Frio provide a beautiful reflection of the changing leaves. Visitors can enjoy activities such as hiking, kayaking, and camping while soaking in the autumn scenery. Mid-October to November is the best time to visit.
Palo Duro Canyon State Park -
Often referred to as the “Grand Canyon of Texas,” Palo Duro Canyon State Park in the Texas Panhandle is another excellent spot for fall foliage. The canyon walls, painted in layers of red, yellow, and brown, are complemented by the autumnal hues of the cottonwoods and sumac trees. This unique combination creates a breathtaking fall landscape. The park’s hiking trails offer plenty of opportunities to experience the foliage up close.
Davy Crockett National Forest -
Davy Crockett National Forest, located in East Texas, is home to towering hardwoods and pines that put on a colorful display in the fall. The Ratcliff Lake Recreation Area is a popular spot to enjoy the changing leaves, with several trails that wind through the forest. This area is ideal for those looking for a peaceful, nature-filled retreat during the fall season, typically peaking in late October.
Caddo Lake State Park - Caddo Lake State Park, in the Piney Woods of East Texas, offers a unique fall foliage experience. Known for its Spanish moss-draped cypress trees, Caddo Lake’s wetlands take on a different kind of beauty in autumn. The golden hues of the cypress trees reflecting on the lake create a serene and almost mystical atmosphere. Visitors can explore the area by kayak, canoe, or hiking the park’s trails.
Texas Hill Country (Highways 16 & 337) - Driving through Texas Hill Country in the fall is an experience in itself. Highways 16 and 337 are some of the most scenic routes to take during this time of year. As you wind through the rolling hills, you’ll pass through small towns and see patches of vibrant fall colors from oak, cypress, and mesquite trees. The Hill Country’s unique combination of natural beauty and charming rural life makes it a great place for a fall road trip.
Tyler State Park - Tyler State Park in East Texas offers a beautiful array of fall colors, with its oak and maple trees turning bright shades of red and orange. The 64-acre spring-fed lake provides a peaceful setting to take in the beauty of autumn, with hiking, biking, and camping opportunities for those who want to stay and enjoy the park’s serene environment. The best time to visit is late October to mid-November.
While Texas may not have the extensive fall foliage similar to that in the Northeast region of the country, its diverse landscapes offer a wide range of opportunities to enjoy the season’s vibrant colors. From Hill Country’s winding roads to the striking maples in Lost Maples State Natural Area, these destinations provide plenty of photo opportunities and reasons to get outdoors and experience the beauty of a Texas autumn.
State Department Launches Online Passport Renewal System for Millions of Americans
By Stacy M. Brown Contributing Writer
illions of Americans can now renew their passports online instead of mailing the State Department paper documents with a check.
The department announced Wednesday, Sept. 18, 2024, that its online system is open after months of limited testing and years of pilots.
“We are really excited that we are now making online passport renewal available,” said Rena Bitter, assistant secretary for consular affairs. “This is a new service that will allow Americans to pay, upload a photo, and apply completely online with no need to appear in person or send documents through the mail.”
The State Department estimates that up to 5 million Americans can use the service annually. Last year, the department renewed 9.6 million passports.
Bitter said the online service is currently limited to renewals for adult, 10-year passports that have expired within the last five years or will expire in the coming year. It is also available for those needing expedited service, anyone not living in the United States, or people changing details like their name or gender.
“We want to make sure that we get this right, so this is where we’re starting,” she said.
Bitter noted that the online option does not offer faster processing times or reduced fees compared to renewing by mail. Passport processing times, which ballooned during the pandemic, are currently below six to eight weeks.
The announcement follows months of limited testing of a public beta version of the tool. The department closed the tool after it reached certain application thresholds, making changes based on customer feedback. The state also previously piloted online applications in 2022.
Bitter noted a significant change in the number of applications the system can now handle. The department plans to expand the service to include more types of renewals in the future.
“We will expand this. This is not going to be the last thing that we do,” Bitter stated. “We want to see how this goes and then we’ll start looking at ways to continue to make this service available to more American citizens in the coming months and years.”
The update is part of the department’s broader efforts to modernize and reduce administrative barriers. The move to online renewals was included in a 2021 executive order on customer experience.
“Our goal, of course, is to get away from paper as much as we can, as quickly as possible,” said Bitter. “This is a first step in what we hope will be a much longer-term process to be able to modernize the systems that we’re using.”
Currently, only adult passports can be renewed online, and only those living in the U.S., either in a state or territory, can use the service.
“The benefit of online passport renewal is that it’s a more convenient service,” Bitter added. “We don’t expect to have a different service standard for people who apply online versus people who apply by mail. We just want to make sure that we give the American people a choice to be able to do either.”
Passport processing times have returned to below six to eight weeks after peaking at 18 weeks in 2021 due to COVID-related staffing shortages. Despite a drop in demand during the pandemic, the department reported a significant bounce-back in 2023 as more Americans resumed global travel. “We want to make sure we provide the most efficient and modern services possible,” Bitter concluded.
