d-mars.com proudly continues its longstanding commitment to the community, putting a spotlight on organizations that give back while promoting the growth and success of African American businesses across the Houston area.
In this month’s journal, we are highlighting the Black Professionals Alliance (BPA), which is hosting its annual Holiday Social and Toy Drive with d-mars.com in December 2024.
The event, which was first held in 2009, has become a highly anticipated gathering for Black professionals and entrepreneurs in the Houston area. While this event captures the holiday spirit, it is one of great impact—the toys that are collected go to underserved children throughout the city.
BPA started out with only four organizations participating in the inaugural event. It has since expanded to include over 20 organizations and
CONTENTS
“Service to others is the rent you pay for your room here on earth.”
— Muhammad Ali
more than 2,000 people. Through its partnerships, including with d-mars.com, the organization has grown to partner with even more Black-owned businesses and business owners as it continues to develop each year.
d-mars.com was able to interview myself, Carmen M. Herrera from the National Sales Network and Gene Padgett from the National Association of Black Accountants to discuss the event’s inception, the communities that benefit from the drive, the event’s evolution, and what guests can expect this year.
We extend our heartfelt appreciation for your ongoing support of d-mars.com. Together, we can continue to make a positive impact by advancing the communities where we live, work and serve, especially when we give back to them.
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MR.
How to Choose the Best Payment Options for Your Busine$$
By d-mars.com
News Provider
usinesses, big and small, all need to manage cash flow to survive. Cash is key, whether you cover day-to-day costs, pay yourself and your team, send or receive payments, or save for scaling up. So, how do you effectively manage and optimize your cash flow? Exploring different bill payment options could be a winning strategy for your business. But with so many choices out there, it can be hard to know which is the right one for your business. Here are some tips for how to make the right payment option decisions for your business.
Different payment choices for different needs
There are six standard bill payment options: paper checks, credit cards, ACH, wire transfers, virtual cards and real-time payments. Each of these payments has its pros and cons. Ideally, you want to choose multiple business-to-business (B2B) payment options to offer vendors. You also want a flexible payment platform to balance the cost, options and speed of payments. But before we can dive into that, let’s explore the standard payment methods so you can choose which works best for your business.
1. Paper Checks
Paper checks are the most traditional and familiar form of payment. Some vendors prefer them because they don’t require the recipient to share banking information. However, paying by check is slow, time-consuming, presents a security risk, and can have a negative impact on the environment. With little to no tracking information and delivery information, your check could be lost in the mail, exposing the sender’s banking information. While you may not want to rely on paper checks as your main form of payment, you should offer it as an option to clients who are only comfortable paying with checks or for vendors who don’t accept digital payments.
2. Credit Card
Want to optimize your cash flow? You can do so by paying with credit cards so you can defer payments to your next credit cycle. Credit cards are also fast, with funds typically settled in one business day. You can also collect points, miles and cash rebates while paying your vendors.
Paying with credit cards does have its drawbacks. Transaction fees can rack up quickly and be charged to your business or the vendor. Also, some vendors don’t accept credit cards as a valid form of payment.
3. ACH
The Automated Clearing House (ACH) network is a secure system for bank-to-bank transfers of digital payments. ACH is faster, involves less manual labor than paper checks and has lower processing fees than credit card payments.
Keep in mind that not all vendors accept ACH, and few banks support international ACH. Also, you’ll need to be mindful of cutoff times for same- and next-day payments, which vary by provider, and same-day transfer limits.
4. International Wire Transfer
An international wire transfer allows a payer to send electronic payments to a payee in a different country. While wire transfers take one to five business days to process, it’s a secure and easy way to pay international vendors. Another advantage of this payment method is that you can let your vendor choose which currency they want to be paid in (either in their local currency or in U.S. dollars (USD)).
The main downside to international wire is the cost, which may add up to $60 per transaction if using a bank wire (intermediary banks often add lifting fees), and it also requires the recipient to provide banking account information to the payer.
5. Virtual Card
Never heard of a virtual card? It’s pretty simple. Your vendors will receive a 16-digit, one-time-use credit card token as a proxy for a physical credit card with a per sistent number. Virtual cards are typically distributed to the vendor through email with invoice information. Because a virtual card can only be used once and specifies the payment amount and expiration date, it can reduce the risk of fraud or un authorized transac tions. It’s also easy to track. It’s important to note that not all ven dors accept virtual card payments, and their payment processors may apply processing fees.
6. Real-Time Payments
As your business scales, your company will need to make fast or instantaneous payments. Real-time payments (RTP) let you transfer real-time credit between financial institutions within seconds, 24/7, 365, with typically low fees.
Find a tech partner that gives you choice
As your business scales, having multiple payment choices is crucial. To do so, you’ll need a tech partner that provides an integrated payments platform that provides end-to-end transparency, visibility and the flexibility to give you different payment choices.
When looking for a payment partner, here are some of the most important tools and capabilities you’ll need:
• A single, integrated platform that allows you to quickly track the status of domestic and international payments.
• Different choices like same-day and next-day payments. You can also defer payments using credit cards.
• Low- or no-cost options.
• Seamless syncing with your accounting software, reducing manual data entry, eliminating human error and increasing company productivity.
• The ability to make secure digital payments, lowering the risks of check fraud and paper check theft.
Taking advantage of various payment options also saves time and reduces the risk of human error.
Are you ready to take your business to the next level? Automating financial operations can be a game-changer for your business, saving valuable team time on inefficient manual processes and enabling you to focus on high-value strategic business needs instead.
Source: Brandpoint (Edited by d-mars.com)
9 Reasons Why Veterans Make Incredible Entrepreneurs
By d-mars.com News Provider
eterans are known for their discipline, leadership, and resilience. These qualities, carefully molded during their time in the military, position them for entrepreneurial success. In fact, many of the traits that define a successful business owner—adaptability, strategic thinking, and an ability to handle risk—are ingrained in veterans through their service. Here’s a deeper dive into why veterans often make incredible entrepreneurs.
1. DISCIPLINE AND FOCUS
Military training is rooted in discipline. Veterans are trained to follow orders, meet deadlines, and execute tasks with precision. This ability to remain focused on the mission helps in entrepreneurship, where long-term success requires consistency and commitment.
2. STRONG LEADERSHIP ABILITIES
Leadership is a building block of military service, and veterans often excel in leading teams, making decisions under pressure, and taking responsibility for outcomes. These leadership skills are invaluable in business, where entrepreneurs must guide their teams, make high-stakes decisions, and navigate uncertainty. Veterans are used to taking charge, inspiring others, and staying calm during crises—all qualities of business leaders.
3. RESILIENCE IN THE FACE OF ADVERSITY
Veterans are no strangers to hardship and stress. In the military, they’ve faced life-ordeath situations, learned to overcome setbacks, and developed an incredible amount of mental toughness. This resilience helps them cope with the inevitable challenges that come with starting and running a business.
4. STRATEGIC PLANNING AND EXECUTION
Success in the military often depends on thorough planning and effective execution. Veterans are trained to assess situations, develop strategies, and anticipate challenges, skills that are critical in entrepreneurship.
5. TEAMWORK AND COLLABORATION
In the military, collaboration is essential for success. Veterans have experience working with diverse teams, coordinating
“That’s
a horse of a different color.”
This is an idiom that means something is entirely different from what was previously mentioned or expected. It refers to a situation or detail that is surprising or changes the perspective on an issue. The phrase is often used to highlight a distinction or contrast. It became popular in modern culture through The Wizard of Oz, but its origins date back to earlier literature.
efforts to achieve a common goal, and understanding the value of each team member’s role. This teamwork mentality serves them well in business, where building and managing a strong, cohesive team is key.
6. ADAPTABILITY AND FLEXIBILITY
Military personnel are often required to adapt to rapidly changing situations, environments, and challenges. This adaptability is a critical skill for entrepreneurs, who must navigate the constantly shifting landscape of the business world.
7. RISK MANAGEMENT SKILLS
Veterans are trained to evaluate risks carefully and make calculated decisions. In combat, risk management can mean the difference between life and death. In business, it involves weighing potential gains against possible losses, making strategic investments, and knowing when to take
bold actions. Veterans’ ability to assess risks and move forward with confidence makes them well-suited to the uncertainty and challenges of entrepreneurship.
8. RESOURCEFULNESS AND PROBLEMSOLVING
Military training emphasizes achieving goals with limited resources. Veterans learn how to be resourceful, find innovative solutions, and make the most out of what’s available. This problem-solving mindset is a valuable asset in entrepreneurship, where resources like time, money, and manpower are often limited.
9.
ACCESS TO STRONG NETWORKS
Many veterans have access to a vast network of fellow service members, veterans’ organizations, and government programs designed to support veteran entrepreneurs. These networks provide resources, mentorship, funding opportunities, and valuable business connections that can give veterans an edge in building and growing their businesses.
In the military, every action is tied to a clear mission. Veterans carry this mission-oriented mindset into their entrepreneurial ventures. They are driven by a sense of purpose, which helps them stay focused on their business goals and remain committed to their vision. Their ability to handle pressure, work in teams, and think critically about risk and opportunity sets them apart as strong candidates for business success.
In 1977, actor John Amos received an Emmy nomination for his powerful portrayal of the adult Kunta Kinte in the landmark ABC miniseries Roots, a role that solidified his status as one of television’s most respected actors. He passed away on Aug. 21, 2024, in Los Angeles of natural causes.
Amos Credit: NNPA Newswire
TEXAS HIGH SCHOOL JAMBOREE TOUR
The Best of Thanksgiving Basketball: Where Will You Be?
TBy Rick Nelson Nelson Brand Sports
his month, d-mars.com is teaming up with the Nelson Brand Sports organization to sponsor the Thanksgiving Texas High School Basketball Jamboree tour, which kicks off with the Texas High School Jamboree for Freshman Boys on November 25. The Texas High School Jamboree for Ladies is on November 27 at Jack Yates High School, and the Boys Texas High School Jamboree will be hosted at Episcopal High School from November 29-30. The 3rd Ward Jamboree at Jack Yates High School will be held from Dec. 13-14, 2024.
The Thanksgiving Texas High School Jamboree was created as a platform for student-athletes who wouldn’t necessarily get the opportunity to be seen by college coaches. These athletes get that chance to compete at a high level for college scholarships in front of the many college coaches who will be in attendance for a full six days of watching 108 top-notch high school basketball boys and girls playing at two high school locations. As president of Nelson Brand Sports, Rick Nelson’s mission is to provide a positive environment for academics and the game of basketball for young men and women. He recognized early on the value of using basketball as
a tool to further one’s education after having played point guard on scholarship for Texas College, winning two national college championships and going on to receive his bachelor's and master’s degrees from Prairie View A&M University and becoming a certified life coach.
“In sports, the principle of working as a team is essential to achieving championship success in life,” adds president and CEO of d-mars.com, Keith “MR.
D-MARS” Davis, Sr. “With this partnership between d-mars.com, Nelson Brand LLC, Marc Simpson-Urban Social Management, Rod ThompsonSportscapers and Balden, we are setting out to show the community that there are ways to achieve your goals in life, whether it is through entrepreneurship or athletics. Strong team players make some of the best leaders.”
For more information or to get involved with Nelson Brand Sports, e-mail rick@nelsonbrandllc.com or visit www.nelsonbrandllc.com.
Rick Nelson
Finding Gratitude
By Dawn Paul a.k.a. The Dr. Dawn® Contributing Writer
In this month that celebrates Thanksgiving, we're reminded of how vital gratitude and thankfulness are in our lives. In a world dominated by social media and the mantra of "Bigger is better," it's easy to overlook the fact that God's profound miracles working in our lives can arise from modest beginnings. Often, we're so focused on monumental achievements that we forget the remarkable transformations that occur in seemingly insignificant moments. Let's explore why we might undervalue these small successes and discuss ways to nurture gratitude to keep moving forward.
Redefining Success Through a Spiritual Lens
It's easy to lose sight of the small victories when we’re consumed by society's standards of success. However, Romans 12:2 encourages us to diverge from societal norms, urging us to keep our minds centered on God's standards. Take Paul, for example. Even when faced with great adversity, his prayers were firmly rooted in spiritual growth rather than physical concerns (Philippians 1:9; Philemon 1:6). As believers, our focus should be on making an eternal impact and serving the kingdom with purpose.
Finding Strength in Setbacks
IN THE SMALL VICTORIES
leave us feeling defeated, celebrating might seem like the last thing we want to do. It’s easy to get caught up in comparisons, disappointment, and self-criticism, losing sight of the breakthroughs that often lie beyond our failures. Keeping your focus on Christ, you won't be swayed by the enemy's deceitful tactics (John 8:44). We often learn more from our missteps than from our triumphs. The challenges we encounter might just be laying the groundwork for a future ministry or the growth of our business.
this dissatisfaction to distract us, knowing that these seemingly small successes are just the prelude to God orchestrating something grand for His glory. If we lose our focus on Christ, we risk becoming consumed by what we lack, rather than making the most of what we have been given. Remember to be grateful for the lessons learned at every stage, so you don’t repeat mistakes as you rise to greater heights.
No matter how picture-perfect someone else’s life may appear, you never truly know the struggles they’ve faced and overcome. In moments when mistakes and setbacks
Celebrate Your Wins, Ignore the Noise
When caught up in the opinions of others, we can forget to celebrate our achievements. In the shadow of your small victories, there will always be those who doubt you or think you're not up to par. However, it's essential to tune out the noise of external opinions (Proverbs 29:25) There's no need to validate your worth to anyone. While we may lack the ability to create abundance from little, remember that God can (Matthew 14:17-21). Trust that you are destined to make a significant impact—whether it be on a generation, a nation, a community, or even the entire world!
Staying
Grounded in Gratitude
Can we truly remain humble when showered with more abundance, or will our ego risk overshadowing gratitude? Proverbs 16:18 warns us of the pitfalls of pride. Sometimes, the modest gifts we receive are intentional, offering us a clearer view of God’s miracles in action. If God gives us too much too soon, we might overlook His miracles that unfold around us. It’s crucial to recognize
This Thanksgiving season is a wonderful opportunity to remind ourselves to cherish every achievement, no matter how small. The most significant breakthroughs don’t necessarily occur on grand stages or under the spotlight but in quiet moments and modest beginnings. Keep showing up and nurturing those humble beginnings, for they can lead to remarkable achievements. Every effort you make, no matter how small, holds great value (Zechariah 4:10). Ecclesiastes 9:11 teaches us that victory doesn’t always go to the fastest. A friend once shared a powerful quote with me: “Put God first and you’ll never be last.” As we celebrate Thanksgiving, let's walk with gratitude and see how God can work through us to bring blessings to others, all for His glory.
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 at @TheDrDawn.
Urban Enrichment Institute Celebrates 40th Anniversary with Gala Honoring Dr. Ruth Simmons, Other Distinguished Community Leaders
TBy d-mars.com News Provider
he Urban Enrichment Institute (UEI) celebrated its 40th anniversary with a gala held at the Royal Sonesta Hotel on Saturday, October 19. The event, co-chaired by Drs. Santana and Karen Williams, honored prominent community leaders and featured a keynote address by Dr. Ruth Simmons, a Fifth Ward native and former president of multiple universities, including Brown University and Prairie View A&M University. Dr. Simmons was the first African American president of an Ivy League institution.
The evening celebrated the contributions of several honorees, including UEI co-founder and First Executive Director Ernest McMillan; its Second Executive Director Charles Savage; Harris County Precinct One Commissioner Rodney Ellis; Dr. Frazier Wilson, Vice President of the Shell USA Company Foundation; hip-hop artist and community leader Bernard Freeman (Bun B); American record executive and community leader James Prince; and Houston Texans player Laremy Tunsil. These individuals were recognized for their support of UEI and their longstanding dedication to uplifting the Fifth Ward and Greater Houston communities.
Dr. Simmons, the Education Pioneer Honoree, delivered an inspiring keynote speech, emphasizing the importance of overcoming adversity and the transformative power of education and community support. She highlighted the impactful work of UEI in the Fifth Ward, applauding its efforts to provide young men with the tools and opportunities needed to succeed.
More than 400 attendees gathered to celebrate UEI’s mission and milestones, and help raise the highest amount ever for a UEI sponsored event - over $100,000 - to support its afterschool programs and strategic vision.
The gala also marked the induction of co-founder Ernest McMillan and Charles Savage into the UEI Hall of Honor, recognizing their foundational leadership and dedication to the organization’s mission over the past four decades.
The Urban Enrichment Institute, formerly known as the Fifth Ward Enrichment Program, was established in 1984 to address fatherlessness, gang violence, and substance abuse in young African American males. Today, it serves over 200 middle and high school boys across nine schools, providing academic support, career readiness, mentoring, and enrichment opportunities.
For more information about the Urban Enrichment Institute and its programs, visit www.ueinstitute.org.
Source: Urban Enrichment Institute
From left to right: Tolu Opeloye - Chair, UEI Board Of Directors , Ernest McMillan - UEI Hall of Honor Honoree (Co-Founder, Fifth Ward Enrichment Program & 1st Executive Director) Charles Savage - UEI Hall of Honor Honoree (2nd Executive Director), Keith E. Cornelius - Current UEI Executive Director
Credit: Urban Enrichment Institute
Drs. Santana & Karen Williams - Co-Chairs, UEI 40th Anniversary Gala with UEI students Credit: Urban Enrichment Institute
Dr. Ruth Simmons - Keynote Speaker & Education Pioneer Honoree with UEI students Credit: Urban Enrichment Institute
UNCF RELEASES 2024 HBCU ECONOMICS IMPACT
JOINS FEARLESS FUND IN FIGHTING LAWSUIT
By Roy Betts Contributing Writer
nited Negro College Fund (UNCF), the nation’s largest and most effective minority education organization, proudly unveiled its 2024 HBCU Economic Impact Report. The report, Transforming Futures: The Economic Engines of HBCUs, commissioned by UNCF’s Frederick D. Patterson Research Institute (FDPRI), is a comprehensive, data-driven analysis highlighting the substantial contributions the nation’s 101 historically Black colleges and universities (HBCUs) make to their students, local communities and the nation at large.
HBCUs have long been pillars of educational excellence and economic engines, driving prosperity in their communities and across the nation. Despite these contributions, chronic underfunding threatens their ability to sustain this impact. Transforming Futures: The Economic Engines of HBCUs, underscores the urgent need for equitable and sustainable funding to ensure HBCUs can continue their vital role in promoting social mobility and economic growth and calls on the public to advocate for these essential institutions.
“As UNCF observes its 80th anniversary, one of the highlights of our yearlong celebration is the release of the sequel to our groundbreaking 2017 report. This report reaffirms what we have always known about the resilience of HBCUs: despite a deadly pandemic, social unrest caused by the murders of George Floyd and Breonna Taylor, and the economic uncertainties of the past seven years, HBCUs continue to do more with less—not only in preparing the next generation of leaders but also in contributing to our nation’s economic impact,” said Dr. Michael L. Lomax, president and CEO of UNCF.
“At this critical moment, with a crucial election on the horizon, we all must immediately actualize our commitment to these cornerstone institutions.”
Key findings in the 2024 HBCU Economic Impact Report include:
• HBCUs generate $16.5 billion in direct economic impact nationally.
• If they were a company, the nation’s HBCUs would place in the top 50 of the nation’s Fortune 500 companies in job creation.
• Collectively, 136,048 jobs exist because of HBCUs.
• On average, for each job created on campus, 1.5 off-campus jobs exist because of spending related to the institution.
• HBCUs are far more accessible to students and more successful at moving students from the bottom 40% of a country’s income distribution to the top 60%, signaling social mobility.
• The 51,269 HBCU graduates in the class of 2021 can expect work-life earnings of $146 billion, 57% ($53 billion) more than the $93 billion they could expect without their degrees or certificates.
The 2024 HBCU Economic Impact Report is a continuation of the landmark 2017 study, HBCUs Make America Strong: The Positive Economic Impact of Historically Black Colleges and Universities, which showed that HBCUs’ economic benefits extend beyond the students they educate. In addition to the comprehensive report, a website has been launched where users can explore state-specific data and insights for individual HCBUs. This resource allows users to explore the localized impact, emphasizing the critical role HBCUs play in communities across the nation.
“Transforming Futures: The Economic Engines of HBCUs represents the latest chapter in a longitudinal research initiative by UNCF’s Frederick D. Patterson Research Institute.
By leveraging robust methodology and extensive data, we highlight how HBCUs continue to be critical drivers of economic growth and social mobility,” said Dr. Nadrea R. Njoku, assistant vice president, of Frederick D. Patterson Research Institute, UNCF.
“This report not only underscores the substantial economic benefits generated by HBCUs but also contextualizes the broader challenges they have faced over the past three years, including the far-reaching impacts of the COVID-19 pandemic and the threats of violence that have been levied against many of these institutions.”
“Now more than ever, we must recognize the indispensable role HBCUs play in shaping not just the future of their students but the future of our nation. This report is not just a call to awareness but a call to action,” said Lodriguez Murray, senior vice president, of public policy and government affairs, at UNCF. “As we move forward, it is imperative that we leverage this data to galvanize our communities and demand the necessary support from our policymakers by voting for HBCUs. We urge every supporter to make their voices heard, to advocate for the equitable funding our HBCUs deserve, and to ensure that these institutions can continue to thrive and contribute to America’s future.”
UNCF will soon shift its focus towards voter mobilization efforts, leveraging the findings of the 2024 HBCU Economic Impact Report to raise awareness about the critical role of HBCUs ahead of Election Day, and the need for elected officials to commit to strengthening HBCU infrastructure, safety, and student life. By highlighting the economic and social contributions of these institutions, UNCF aims to inspire voters to support policies and send letters to elected leaders at the state and federal level in support of equitable funding and resources for HBCUs, ensuring their continued impact on communities and the nation.
To view the brief and full report for Transforming Futures: The Economic Engines of HBCUs, visit: UNCF.org/ HBCUImpactReport.
For more information on how to actualize a commitment and be a voice for HBCUs, visit: UNCF.org/EquityPledge.
Source: UNCF Communications via NNPA Newswire
5 Simple Ways to your Health this FALL Harvest
all is here and it’s time to cozy up with healthier habits! If you’re looking to refresh your routine and embrace healthier habits this season, here are some valuable tips to help you harvest your health this fall.
Enjoy seasonal produce
Fall offers a variety of nutrient-rich produce like pumpkins, squash and sweet potatoes, which are great for hearty, immune-boosting meals. These seasonal foods are packed with vitamins, minerals and fiber to help support your immune system during flu season. Consider making a trip to your local farmers market or grocery store and stock up on these delicious and healthful ingredients.
Recommit to healthful habits
The slower pace of fall offers the perfect opportunity to support your overall well-being. Mindfulness practices like meditation or journaling can help you manage stress and maintain a positive mindset during the seasonal shift. Whether it’s starting a gratitude journal or taking a few minutes each day to meditate, setting aside time for yourself can greatly benefit your mental health.
Bake healthier fall treats
‘Tis the season to enjoy favorite seasonal treats like pumpkin bread and apple cinnamon muffins - but with a healthier twist! This season, try incorporating more nutritious ingredients into your favorite baked goods. Simple swaps like using whole grains, natural sweeteners and nutrient-dense additions such as fortified eggs can make a big difference. Fortified eggs, in particular, are a great source of high-quality, essential vitamins like vitamin D and Omega-3s, helping to maintain energy levels during cooler days.
Maintain energy with exercise
As the weather cools, it may be tempting to cozy up indoors, but staying active is just as important in fall as any other season. Before it gets too cold, take advantage of outdoor activities like hiking, biking and apple picking to enjoy the crisp autumn air while getting in some fun exercise. When it gets too uncomfortable to exercise outside, take your workouts indoors with a cozy yoga flow, a strength-training circuit or an indoor cycling class to keep your fitness routine fresh and exciting all season long.
Test out new protein-rich recipes
Fall is a fantastic time to explore fresh, protein-rich dishes that highlight seasonal ingredients. With protein-rich recipes trending, it’s more important than ever to ensure you’re getting enough protein for sustained energy this fall. Experimenting in the kitchen can be both fun and rewarding, especially when you incorporate nutritious ingredients, such as eggs, into your meals to provide the boost your body needs. Eggs can provide superior nutrition and help to boost your body’s immunity and reduce oxidative stress during this transitional time.
Source: Brandpoint (Edited by d-mars.com
Doctors’ Tips for a Healthy and Safe Holiday
he holiday season is a joyous time of year, but it can also throw your wellness routines out of alignment. Doctors advise prioritizing healthy choices during this period, so you can start 2025 on the right foot.
Everyone’s holiday wish is to be happy, healthy, and safe, but the season is often a time for overindulgence in food and drink, increased stress, and exposure to respiratory illness.
The American Medical Association (AMA) recommends taking these steps during the holidays:
1. Vaccines are a safe and remarkably effective defense from a number of serious respiratory viruses that circulate in the fall and winter. To protect yourself and your family, get up to date on your vaccines, including the annual flu shot, as well as the updated COVID-19 vaccine for everyone 6 months and older. Vaccines are
also available to protect older adults from severe RSV. Tools to protect infants during RSV season include maternal vaccination as well as the monoclonal antibody immunization. If you have questions, speak with your physician and review trusted resources, including getvaccineanswers.org.
2. Watch what you eat. Pay particular attention to labels and avoid processed foods as much as you can, especially those with added sodium and sugar. Consider having a healthy snack before the big meal or offer to bring a healthier dish for the holiday spread. Drink water instead of sugar-sweetened beverages, and eat nutritious, whole foods like fresh fruits and vegetables alongside richer holiday fare.
3. Stick to your exercise schedule and prioritize physical activity during this busy time of year. A good rule of thumb for adults is at least 150 minutes a week of moderate-intensity activity, or 75 minutes a week of vigorous-intensity activity. Brisk walks, bike rides, hikes and even family-friendly sports like basketball and touch football are good for heart health.
4. Use time with relatives to find out whether your family has a history of type 2 diabetes or cardiovascular disease, and whether other family members have been told they have prediabetes. With this information, you can better understand your risk and take charge of your health.
5. Prioritize your mental health. Factors like holiday spending and navigating time with extended family can bring on extra seasonal stress. You can help manage stress by getting sufficient sleep, exercising and seeking help from a mental health professional when you need it.
Season
6. Make smart choices and plan ahead if you’re driving. In December 2021 alone, 1,013 Americans died in alcohol impaired-driving crashes. Do not drive under any circumstances if you intend to drink. And if you are the designated driver, make a 100% commitment to sobriety.
7. Be prepared when traveling. Whether you’re flying or taking a road trip, you might be tempted to grab convenient, unhealthy food for the journey. Consider packing your own snacks, such as fresh fruits and vegetables or small portions of dried fruits and nuts.
8. Get New Year’s resolutions started early. Speak with your doctor or health care professional about quitting tobacco and nicotine use, and declare your home and car smoke-free to eliminate secondhand smoke exposure.
This holiday season, we encourage you to reconnect with your physical and mental health.
Source: StatePoint (Edited by d-mars.com)
HealthWealthis
Empowering Our Community to Combat Diabetes with Compassion and Action
By
ovember is Diabetes Awareness Month. According to recent data, around 12.1% of Black adults in the U.S. have been diagnosed with diabetes, a rate that is significantly higher than for other racial groups. Black Americans are also 60% more likely to be diagnosed with diabetes than non-Hispanic whites. Unfortunately, the disparity doesn’t stop at diagnosis—Black people are nearly twice as likely to die from diabetes, and three times more likely to be hospitalized for diabetes-related complications such as kidney failure or amputations. These statistics show that diabetes is not just a health issue but also a crisis in our community. Prediabetes, which affects millions of Americans, is also a serious concern. About 39.2% of Black adults have prediabetes, often without knowing it. This means nearly four out of 10 individuals are at high risk of developing diabetes if they do not take action!
Diabetes has been recognized since the 19th century and today, the research continues, diabetes is understood as a metabolic disorder affecting insulin production and use, with type 1 and type 2 being the most common forms with modern studies linking the rise of type 2 diabetes to changes in diet (rich in processed foods), lifestyle (sedentary behavior), and increasing rates of obesity. However, this isn’t just about facts or numbers; it’s about love, hope, and empowerment. We deserve to live long, healthy, and prosperous lives. Health is our true wealth because it provides the foundation for a fulfilling life. When we are physically and mentally well, we have the energy, clarity, and resilience to pursue our goals, nurture relationships, and enjoy life’s moments. It is time to reclaim it for ourselves, our families, and our community. Reclaiming our power over our health means recognizing that diabetes and prediabetes is not a death sentence—it’s
a call to action, a chance to rewrite our future. Instead of viewing it with fear, we can see it as an opportunity to take back control over our well-being, starting with our daily habits and integrating a different way of being and doing. This isn’t about deprivation or restriction; it’s about making choices that align with the vibrant, healthy lives we deserve. It’s also about slowing down and savoring our meals, giving our bodies the chance to thrive through mindful eating.
Our power also lies in how we move. You don’t need to spend hours in a gym to see results—short bursts of activity throughout the day can make a significant difference. Standing up, stretching, or doing squats for just a few minutes each hour improves blood sugar management and strengthens insulin sensitivity. This journey is about finding joy in movement, about each step bringing us closer to health, vitality, and abundance. Go outside and get natural vitamin D from the sun. A lack of vitamin D is a major source of inflammation and a host of other health issues in our community. Movement fuels wellness. Movement is medicine.
For healthcare professionals, your voice can be as power ful as any prescription. Encouraging patients to explore stress reduction through yoga, meditation, or holistic treatments is a profound way to support their healing. Offering alternatives empowers patients to reclaim their health on multiple levels. There are many doctors in our community who are sharing alternative approaches to health such as Dr. Bobby Price, who has been vocal about the concept of “vegetation over medication” and promoting the idea that many health issues can be managed – or even – reversed through dietary and lifestyle changes. Dr. Price is just one part of a growing movement of health professionals within our community who are encouraging us to return to natural foods and holistic living.
If you are living with diabetes, you are more powerful than you know. Living with this condition is a challenge, but it does not define you. It does not have to be your lot in life. Making small changes can have a significant posi tive impact on your health and well-being. We’ve got to be advocates for our own health.
As a community, we must up lift one another. When we cel progress, no matter how small, we encourage a culture where health becomes an asset. For too long, we’ve been
stuck in cycles of silence, avoiding difficult truths and enabling unhealthy habits that harm our community. It’s time to break that cycle and hold each other accountable for making choices that nourish and uplift us.
We are not bound by history when it comes to what we put on our plates. Our ancestors did what they had to with what they had, but we have more options now, more knowledge, and more power to change the narrative. We can rewrite our family legacies. Instead of clinging to dishes that weigh us down and contribute to the very diseases ravaging our community, we can choose foods that fuel us, empower us, and keep us here longer. It’s not about dishonoring the past; it’s about evolving, growing, and making better choices for us and future generations. In that spirit, let this be our collective mantra: Movement is medicine and health is wealth. Let’s claim our riches!
Frenetta Tate is the founder of Frenetta Tate Global LLC, a transformational life coaching and business consulting company. She can be reached on LinkedIn @frenettatate.
Frenetta Tate Contributing Writer
Fall is upon us it’s time to Vaccinate!
Don't fall for respiratory illnesses like the Flu, RSV and COVID-19. As the weather cools down, these illnesses heat up.
A trusted healthcare provider can recommend a vaccination schedule for immunizations for people of all ages, from birth through adulthood, so don't wait.
Ketamine and Other Anesthetics Emerge as Treatments for Depression
By
etamine and other anesthetic drugs have emerged as a powerful new tool to rapidly treat depression, especially for people who don’t benefit from traditional therapies. With conversations regarding these drugs circulating in the news and online, anesthesiologistsphysicians who are experts in using them to sedate patients during surgery - are shedding light on the latest research and recommendations to ensure they are used safely as a mental health treatment.
More than one in five U.S. adults lives with a mental health illness (57.8 million) and over 21 million Americans had at least one major depressive episode in 2021. Many individuals with depression experience symptom relief with psychotherapy and antidepressants, but for nearly one-third (30%) of patients these therapies are ineffective, known as treatment-resistant depression.
Here is the latest information on the various anesthetics being repurposed, how anesthesiologists and psychiatrists may be able to increase their collaboration, and questions patients should ask.
Anesthetics Being Repurposed for Treatment of Depression
Ketamine’s unique benefits include working in minutes or hours vs. weeks, compared to traditional antidepressants, and its persistent positive effects on mood. Ketamine originally was developed to induce and maintain anesthesia and its antidepressant effects were first identified in 2000. When used to treat depression, it is administered at a low
dose intravenously (IV therapy), as a U.S. Food and Drug Administration-approved nasal spray or a combination of both in a series of treatments given over a few days or once a week. After a single treatment, a patient’s symptoms may improve for days or even weeks.
While most studies have focused on ketamine, researchers are also looking into nitrous oxide, more commonly known as laughing gas, and IV propofol, a common anesthetic used during medical procedures, among others. As with ketamine, patients’ depression scores have improved during preliminary trials, and there is evidence nitrous oxide’s effects last beyond the initial treatment.
Further research is needed to fully understand why these drugs are so effective against depression. Scientists believe it may be because they act on different receptors and address imbalances between chemicals in the brain.
How Anesthesiologists and Psychiatrists are Partnering to Help Patients
The authors of a special article recently published in Anesthesiology recommend anesthesiologists take a more active role in the repurposing of anesthetic drugs as
antidepressants. They propose developing a subspecialty focused on anesthetic neuropsychiatry that includes physicians and researchers who can serve as liaisons between these two specialties and help collaborate activities including:
• Facilitating joint research training with an emphasis on postgraduate degree programs,
• Combining efforts to advance technologies in brain imaging.
What Patients Need to Know
While ketamine and other anesthetics show great promise in treating depression and anxiety for certain patients, they may have side effects and can be dangerous if not used or administered correctly.
Patients interested in these drugs should ask the following:
• Is this treatment right for me? These drugs do not offer a universal cure and patients need to be evaluated and selected carefully by a psychiatrist for these treatments.
• Where will I receive my treatment? Patients should receive the medications only under medical supervision, such as in an accredited clinic with established safety standards.
• Who is prescribing my treatment? These drugs need to be prescribed, administered and carefully managed by skilled physicians.
Source: Brandpoint
Diabetes and Your Feet: What You Need to Know
insights into preventing foot ulcers associated with diabetes and treating them if they do occur.
Make these precautions part of your foot care routine:
oot ulcers develop in about 15% of the 25 million Americans living with diabetes and are a top cause of hospitalization. These ulcers can lead to serious complications, such as infection and amputation. According to foot and ankle surgeons, there are steps you can take to prevent complications and keep your feet healthy,
• Inspect feet daily using a flashlight and mirror to see the bottoms of your feet.
• Moisturize dry, cracking feet to prevent sores. Use powder to control moisture that can result in blisters.
• To prevent injury, wear protective, well-fitting shoes and socks at all times, even in the house. Change socks daily and more often if your feet get wet or sweaty. Avoid socks with holes or seams. Sometimes diabetic shoes are prescribed to avoid pressure and rubbing
• Get regular foot exams from a foot and ankle surgeon, which can reduce amputation risk by 45-85%. The surgeon can also screen feet for loss of protective sensation.
• Manage your diabetes. Out-of-control blood sugar levels can lead to nerve cell damage, making it harder to detect foot problems.
Look for telltale signs that an ulcer may be developing: The foot or ankle may look puffy or engorged
• Temperature. Cold feet might mean a circulatory issue, whereas hot feet might mean infection.
• Color changes. Redness and even other colors might appear before an ulcer forms.
• Calluses. If a callus changes colors or develops dark, “dried blood” colored spots, it may be time to have a foot and ankle surgeon offer a proper diagnosis.
Ask your foot and ankle surgeon about innovative treatments: If you do experience a non-healing ulcer, talk to your foot and ankle surgeon right away about innovative technologies that stimulate healing.
Groundbreaking approaches include stem cell therapy, the use of bioengineered skin substitutes to accelerate growth of healthy skin, and negative pressure wound therapy (NPWT) to promote healing and enable healthy, new tissue to grow. Today, foot and ankle surgeons rarely do a skin graft without NPWT. Skin grafting for foot ulcers has also advanced. Surgeons now use advanced reconstructive surgery and grafting techniques to promote wound healing and decrease wound recurrence.
The success rate of these advanced therapies is high, providing substantial improvement over treatments of the not-toodistant past, when doctors would clean and bandage the wound and hope for the best.
Source: StatePoint
Breaking Barriers: Ovarian Cancer Study Expanded to Africa
By Stacy M. Brown Contributing Writer
Sylvester Comprehensive Cancer Center researchers Dr. Sophia George and Dr. Matthew Schlumbrecht are leading an ambitious study focused on ovarian cancer treatment for women of African descent. Their work, based at the University of Miami Miller School of Medicine, aims to address a critical gap in cancer research: the underrepresentation of Black women in clinical trials, specifically for the drug niraparib.
George, a molecular geneticist, and Schlumbrecht, a gynecologic oncologist, have expanded their research beyond the U.S. and the Caribbean to Africa. In July, they launched the study in Nigeria, giving them access to data from a population often overlooked in cancer research. According to the University of Miami, their goal is to understand how women of African ancestry metabolize drugs like niraparib, a PARP inhibitor that has transformed treatment for certain ovarian cancer patients.
While niraparib has proven effective, Black women made up only 1.6% of participants in the drug’s pivotal PRIMA study. George and Schlumbrecht’s new study is specifically designed to address this gap by enrolling women of African descent.
“We know from other drugs that how women of African ancestry metabolize drugs can differ from those of European ancestry,” Dr. Schlumbrecht explained in a news release.
“The data we gain will allow us to confirm appropriate dosing, counsel patients on side effects, lobby for government coverage, and ultimately expand access to this life-saving treatment.”
The study’s significance has already drawn national attention. The White House highlighted it as part of President Biden’s Cancer Moonshot initiative, which seeks to cut the cancer death rate by at least 50% over the next 25 years.
“This recognition underscores the importance of our work,” said George. “We are increasing our ability to successfully identify and treat women of all backgrounds with ovarian cancer.”
George and Schlumbrecht said they plan to enroll patients from the U.S., the Caribbean, and Nigeria over the next three years, tracking their progress through ancillary studies on tumor DNA biomarkers and patient quality of life. The researchers will also explore homologous recombination deficiency profiles to assess whether the drug works as
expected at the molecular level.
A key part of the study involves understanding the variability among Black women. “Not all Black women are the same,” Schlumbrecht noted. “By including participants from the U.S., Nigeria, and the Bahamas, we are gaining insights that will inform clinical practice globally.”
Their work in Nigeria is rooted in a long-standing collaboration with Nigerian medical professionals. Schlumbrecht has made five trips to the country, mentoring local researchers, teaching surgical techniques, and co-leading tumor boards with Nigerian oncologists. These partnerships have been instrumental in establishing the study at the Ahmadu Bello University Teaching Hospital in Zaria.
“The clinical trial is truly a team effort,” said Schlumbrecht. “This is an example of how we can eliminate ovarian cancer disparities when we work together across borders.”
As the study progresses, the researchers said they hope to provide critical data on drug safety and effectiveness and advance global efforts to reduce health inequities and improve outcomes for women of African descent.
Source: NNPA Newswire
Harris County is Ground Zero for DWI
DEATHS.
We want you to get home and be able to celebrate with your loved ones this season.
The ABCs of Type 1 Diabetes Screening and Testing
By d-mars.com News Provider
s many in the type 1 diabetes community can attest, it can be difficult at first to understand the purpose of screening or the subsequent tests before and following a type 1 diabetes diagnosis, and what the results can mean for you or a loved one.
To help alleviate any uncertainties around which screening or test to take (and why), it’s time to bring it back to basics. Below are the “ABCs” of some of the screenings and tests (e.g., Autoantibody Screening, Blood Glucose Test, and A1C Test) that are currently available for type 1 diabetes, with the goal of empowering people of all ages with the tools and information necessary to advocate for their health when they are speaking to their doctor. It’s important to note that while a blood glucose test and an A1C test are crucial to the diagnosis, monitoring, and management of type 1 diabetes, an autoantibody test is the only test that can confirm your risk of developing the disease.
Autoantibody Screening
Autoantibody screening is a blood test that can detect whether someone is at risk for developing type 1 diabetes. The blood test looks for type 1 diabetes-related autoantibodies, which are proteins that appear in the blood in the early stages
of the disease before there are noticeable symptoms, which tend to occur when type 1 diabetes has already progressed to a later stage after weeks, months, or even years. When it comes to detecting type 1 diabetes early, knowledge is power. By the time someone is in the later stage of disease, complications of untreated type 1 diabetes can lead to an emergency room visit and hospital stay, as they did for Cochran, and lifelong insulin dependence begins - which brings up the “B” of the ABCs.
Blood Glucose Test
A blood glucose test not only confirms a type 1 diabetes diagnosis, but also helps people living with type 1 diabetes regularly monitor their disease. Doing so is important, as it gives a person insights into whether their blood glucose or sugar levels are within a normal range. Many factors can impact blood glucose levels, such as food, activity level, stress, illness, and certain medications and dehydration.
Indeed, finding the right care team is incredibly important for people living with type 1 diabetes. For instance, an endocrinologist, a specialist who cares for people with diabetes, can work with someone living with type 1 diabetes and help them maintain normal blood glucose levels. Not only that, but they can also measure how someone is managing their disease over time, leading to the “C.”
A1C Test
An A1C test, which is also referred to as an “estimated average glucose,” can be used to show average blood sugar levels over two to three months. For people with type 1 diabetes, an A1C test can provide an overview of blood glucose management over a set period of time and help them, along with their endocrinologist, understand if any adjustments need to be made in the way they are managing their disease.
ABC Recap
It’s important to understand the role of screening before a type 1 diabetes diagnosis and the tests that are used following a diagnosis to monitor the disease and guide appropriate management. You can learn more about how to get screened early for type 1 diabetes and what to expect after screening by talking to your doctor, enrolling in a research option, or scheduling a telehealth visit.
Source: Brandpoint
PRIMARY CARE QUALITY CARE FOR EVERY STAGE OF LIFE
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.”
Houston Black Professionals A &
TBy d-mars.com News Provider
he season for giving is here and the Black Professionals Alliance (BPA) is hosting its 14th annual Holiday Social and Toy Drive on Dec. 5, 2024, from 6-10 p.m. at the Community Collective for Houston, located at 12401 S Post Oak Rd., Houston, Texas 77045.
The event, which was first held in 2009, has become an important and highly anticipated gathering for Black professionals and entrepreneurs in the Houston area. While this event captures the holiday spirit, it is one of great impact—the toys that are collected go to underserved children throughout the city.
BPA started with only four organizations participating in the inaugural event. It has since expanded to include over 20 organizations and more than 2,000 people. Through its partnerships, including with d-mars.com since the event was created, the organization is excited to further tag team with even more Black-owned businesses and business owners as it continues to evolve. d-mars.com was able to interview Keith “MR. D-MARS” Davis, Sr., Carmen M. Herrera from the National Sales Network, and Gene Padgett from the National Association of Black Accountants, to discuss the BPA social and toy drive.
Q. How has d-mars.com contributed to BPA’s annual social and toy drive?
Keith “MR. D-MARS” Davis, Sr.: We’ve supported this event since its inception in 2009. d-mars.com has been in business for 25 years and we support Black entrepreneurs and professionals, in addition to giving back to Houston-area communities. One of our major events—the Top 50 Black Professionals and Entrepreneurs of Texas—focuses on honoring Black professionals and entrepreneurs across the state, so supporting this event was a no-brainer for us. We take pride in coming together with other Black businesses to collaborate and network while being able to give back.
Q. Can you tell us about the inspiration event? How did it start?
Carmen: Gene and I were presidents attended an NSN holiday party in 2009. a great deal of effort and money into show up. We talked about collaborating the spring of 2010, we hosted a joint success. We were excited about the turnout that made a greater impact and that a joint holiday event and collect toys in the Greater Houston area. The event Foundation room with only a maximum More than 400 guests showed up, so the establishment. We couldn’t believe when we knew we were on to something of giving back to the community every
Q. What does giving back during to you and the Houston Black Carmen: I believe that for us as Black have been successful, it’s a must-- not in need. It’s also biblical. I also feel that providing assistance in appreciation Gene: Yes, this is a celebration and party, the event has remained paramount. There some great things but lack the resources
lliance
y Social & Toy Drive
inspiration behind this annual presidents at NABA and NSN, respectively. He 2009. We were talking about how we put into hosting a party and not many people collaborating and doing an event together. In joint networking event and it was a huge turnout and decided to do another event that had a cause. So, we agreed to host toys for the many underserved children event was held at the House of Blues maximum capacity of about 250 people. so they had to open up another area in believe how many people showed up! That’s something and have continued the tradition every year.
during the holiday season mean Black Professionals Alliance?
Black professionals and entrepreneurs that not an option-- to help those that are that giving back and helping others or is one’s own good fortune or success. party, however, the charitable aspect of There are so many organizations doing resources to do more. By us distributing over
1,000 toys annually, we can give a little joy and boost during the holidays. Everything we do as the BPA must have a charitable component. Party with a purpose.
Q: How does the alliance choose the communities that benefit from the toy drive?
Gene: We have several organizations that we’ve blessed in years past. Many of those remain benefactors year after year. However, we welcome other organizations to become recipients. Most of the organizations that we’ve worked with were brought to us through members of the professional organizations. Whether through board relationships or just personal affinity, we try to match recipients with missions aligned with ours.
Q. How has the event evolved over the years?
Carmen: We started with about 200 people in attendance and we’ve grown those numbers to more than 2,000. But it’s not just the numbers, it’s the people who support us, from, doctors, lawyers, pilots, engineers, nurses, educators, accountants, and even from our political community. I mean, I could go on and on about the variety of individuals from our community who support it.
Q. How has the community supported the Houston Black Professionals Alliance over the years, and how does this event strengthen those connections?
Gene: We are rooted in community. The Black professional community in Houston is strong and wide. Coming together allows us to utilize each other for business and commerce. We are recirculating our dollar through our community by doing business together. That is huge for “our” community.
Q. What are some of the goals you hope to achieve through this year’s event?
Carmen: Things really changed during the COVID-19 pandemic. For two years, we weren’t able to come together. But we knew that continuing the cause was necessary, despite what was going on. So, we hosted two driveby drop-off events outside at Higher Dimension Church (Higher-D). We felt very strongly that we must continue blessing the children, especially during that time. Last year, we returned to an in-person event and more than 1,000 people showed up. Prior to COVID, we had more than 2,000 people in attendance. We hope that this year and beyond we will get back to those numbers of people who show up and support. The more people who come and bring a toy, the more children will be able to have a smile on their faces.
Q. What are some highlights guests can expect at this year’s holiday social?
Gene: This is our second year at the Community Collective for Houston (the former Power Center), and like years past at other venues, we work to make changes and tweaks that enhance the experience. Much of the changes this year will center around logistics and making the experience more conducive for conversation and connection. We want folks to mingle, so we’ve focused on small changes to allow folks to meet as many people as possible.
Q. What are some significant strides you’ve seen as this event continues to grow over the years?
Keith “MR. D-MARS” Davis, Sr.: Throughout the years, we have seen a significant increase in the diversity of attendees. In the beginning, our audience mainly consisted of BPA members, but it has since grown to attract guests from many different sectors, including business, corporate, professional, nonprofit, and government backgrounds. We look forward to seeing even more participants this year.
Admission to the event is free for participating BPA members and organizations, and it’s $25 for non-members. Bring a new and unwrapped toy for the toy drive for a free drink.
Inflation Hits Lowest Level
By Stacy M. Brown Contributing Writer
ccording to the latest Consumer Price Index (CPI) report from the Bureau of Labor Statistics, inflation in the United States has slowed to its lowest level since the early months of the pandemic. The CPI for All Urban Consumers rose by 2.4% over the past year, a substantial easing from the higher inflation rates seen over the last two years. September’s monthly increase of 0.2% matches the growth recorded in August and July, indicating a steady, moderate rise in consumer prices.
The most significant contributors to the monthly increase in CPI, a vital indicator of inflation that measures the price change for goods and services affecting consumers’ daily lives, were shelter and food, which comprised over 75% of the overall rise. Food prices alone increased by 0.4% in September, with the cost of meats, poultry, fish, and eggs rising sharply by 8.4%. Fruits and vegetables also saw a notable increase of 0.9%. These rises reflect ongoing pressures on household budgets as essential goods continue to grow more expensive.
The nonprofit Prosperity Now said the index showed housing prices increased by 0.2%, remaining a major stumbling block for American families seeking security and economic stability. The organization noted that housing costs remain a significant hurdle for families striving to build wealth and achieve long-term financial security through homeownership.
“Homeownership has long been one of the most reliable ways to build wealth in this country, but for far too many families, it remains out of reach,” said Marisa Calderon, President and CEO of Prosperity Now. “While it’s encouraging to see inflation slow, we must ensure that economic gains translate into real opportunities for families to build a more secure financial future.”
A cooling of inflation could bode well for African Americans. Research in 2022 revealed that, at a time when households across the U.S. widely reported experiencing serious problems from inflation, Black Americans were disproportionately affected by rising costs. According to a poll conducted by NPR, the Robert Wood Johnson Foundation, and the Harvard T.H. Chan School of Public Health, 55% of Black Americans report facing serious financial difficulties, compared to 38% of white Americans. The survey also showed that Black Americans are more likely to lack emergency savings, with 58% unable to cover even a month of expenses, compared to 36% of white respondents. Food insecurity also presented a more pressing issue, as 32% of Black Americans
Meanwhile, the latest CPI Index revealed that energy costs declined 1.9% over the past month. Gasoline prices dropped by 4.1%, continuing their downward trend and offering some relief to consumers. Over the past 12 months, the energy index has decreased by 6.8%, primarily due to a significant 15.3% drop in gasoline prices and a steep 22.4% decline in fuel oil costs. Meanwhile, electricity and natural gas costs have seen smaller increases of 3.7% and 2.0%, respectively.
Excluding the more volatile food and energy sectors, the CPI rose by 0.3% in September. This broader measure of inflation, which includes categories such as healthcare, motor vehicle insurance, and apparel, reflects more sustained price increases across various goods and services. Medical care costs, which had previously declined, increased by 0.4% this month, while motor vehicle insurance and airline fares both saw notable jumps, rising by 1.2% and 3.2%, respectively.
Shelter costs have increased over the past year by 4.9%, forming a significant part of the overall inflation picture. Motor vehicle insurance costs have surged by 16.3% annually, reflecting heightened expenses in this sector. In contrast, other categories, such as recreation and communication, saw slight decreases of 0.4% and 0.6% this month, respectively.
With inflation now easing to pre-pandemic levels, the latest data suggests that while some price pressures remain, particularly in essential areas like housing and food, overall price growth is moderating.
“We keep making progress, with inflation returning to pre-pandemic levels, 16 million jobs created, lower interest rates, and low unemployment,” said White House National Economic Advisor Lael Brainard.
“Our economy has grown 3.2 % per year under the Biden-Harris Administration—stronger than during the previous administration,” Brainard continued.
“Incomes are up almost $4,000 after adjusting for inflation. President Biden and Vice President Harris will keep fighting to lower costs—by building new homes to lower rents, capping prescription drug costs and reducing health insurance premiums, and lowering taxes for middle-class families—as Congressional Republicans keep pushing trickle-down economics that would raise costs by nearly $4,000 per family while cutting taxes for billionaires and big corporations.”
Source: NNPA Newswire
Don't
Let the Holiday Season Set You Up for Debt in 2025
By d-mars.com
he holiday season may be warm, merry and bright, but it’s also a time when it’s all too easy to spend more than you plan to and rack up debt you can’t manage.
Here’s how to celebrate the season in style while positioning yourself for a financially healthy 2025:
Create your budget: Take a look at your budget to determine how much you can earmark for holiday expenses. Do you need to cut back on any nonessential spending to afford the holiday season you desire? Make a comprehensive list of all your expected expenditures, including for travel, hosting, decorating, gifting and charitable giving. Don’t have a budget? A professional can help you create one to stay on track with your financial goals during the holidays and beyond.
Stretch your budget: Stretch your holiday budget creatively. When shopping online or booking travel, find the best deals by using a browser extension that comparison shops. Entertaining? Rather than providing every dish yourself, host a cookie exchange or potluck. If you have a large extended family or circle of friends that holds a traditional gift exchange, suggest a Secret Santa or white elephant exchange instead.
Maintain your credit: While it’s fun to be extravagant and give big-ticket items that will wow your recipients, your holiday spending shouldn’t harm your credit. Keep an eye on your debt-to-credit ratio throughout the season and set reminders of when credit card payments are due. If you purchase an item using a Buy Now Pay Later plan, put payment due dates in your calendar to avoid late fees.
Give wisely: Many people make charitable contributions around the holidays. If you plan to give, do it in a way that offers a tax advantage. From deductions to donating appreciated assets to using a Donor Advised Fund, a professional can help you find a strategy that is good for you and for the cause you care about.
Save all year: Diverting a small portion of each paycheck into a special savings fund all year long can help ensure you’re prepared to meet holiday expenses. Once this current season wraps up, you can begin to plan for next year. A professional can help you set this fund up and offer suggestions for maximizing these savings.
Make your resolutions now: Whether it’s to pay down debt or set up a retirement fund, you don’t have to wait until the new year to get started on your resolutions. Get a healthy money mindset now so that come January, you’ll have already established habits that move you toward your goals.
Working with a financial advisor to prep for the holidays can help ensure you have a stress-free season. Find a professional trained to offer comprehensive solutions for your unique situation.
During a season of festivities, financial planning may not be top of mind. However, smart spending habits can help ensure you enter 2025 in the black.
Source: StatePoint (Edited by d-mars.com)
report struggling to afford food, compared to 21% of white Americans.
House Hunting? Here’s How to Secure a Lower Mortgage Rate
By d-mars.com News Provider
f you’re hesitant to buy a home right now due to high interest rates, you can use this time to learn how interest rates work, and to take steps to secure a lower interest rate when you are ready to buy.
Defining Mortgage Rates
A mortgage rate is the interest rate you pay on the money you borrow to buy your house, and a lower rate increases your purchasing power. Even a small difference in your interest rate can make a big difference in your payments over the life of your loan. That’s why it’s important to watch mortgage rates closely when house hunting.
Lenders set a mortgage rate for each individual based on several factors, including current market rates and individual credit history.
Improving Your Loan Application
Boosting your credit score is one of the best ways to improve your chances of qualifying for a loan and lowering the interest rate you are offered. Some proactive steps you can take to build and maintain your credit include:
• Making payments on time.
• Using as little of your credit limit as possible.
• Opening and maintaining credit accounts in your own name.
• Keeping only a few credit cards or credit accounts open.
• Paying down debts.
• Reviewing your credit reports annually.
• Disputing inaccuracies in your credit report.
• Trying to have credit inquiries made strategically within a limited time period when comparison shopping for mortgages and loans.
Lenders will also look at your debt-to-income (DTI) ratio when making a decision about your loan application, as it is an important marker of your overall financial health. As a guideline, your monthly debt-to-income ratio should be 33% to 36% or less.
Shopping Around
In addition to improving your credit and reducing your DTI, you can also potentially get a lower interest rate and avoid certain lender fees by shopping around. Research shows that similar borrowers may receive notably different rates based on the lender, and that homebuyers can potentially save $600 to $1,200 annually by applying for mortgages from multiple lenders. It’s generally a good idea to get three to five quotes.
If you’re in the market to buy a home, watch mortgage rates carefully. And when you are ready to buy, don’t take the first mortgage offered. Be sure to shop around and ask about opportunities to secure a lower rate.
Source: StatePoint (Edited by d-mars.com)
• Paying the full amount due, or at least more than the minimum amount due, on your credit cards.
I
FLAVOR-PACKED Turkey Wings AND GRAVY
By d-mars.com News Provider
f you’re someone who doesn’t want to prepare an entire turkey this Thanksgiving, turkey wings are a great alternative. This comforting and flavorful dish will bring the taste of the South to your table. These wings are seasoned with a blend of herbs and spices, including garlic, onion, paprika, and thyme, then slowly braised until they become fall-off-the-bone tender. The cooking process creates a rich and savory gravy that perfectly complements the juicy meat. Served with traditional Southern sides like collard greens, mashed potatoes, or your favorite cornbread dressing, these turkey wings are a hearty, soul-warming meal that’s perfect for family gatherings or Sunday dinners.
Here’s a recipe for tender turkey wings featuring a savory gravy that’s full of flavor:
INGREDIENTS
4 turkey wings
2 tbsp olive oil
1 tsp garlic powder
1 tsp onion powder
1 tsp paprika
1 tsp dried thyme
1 tsp dried rosemary
1 tsp black pepper
1 tsp salt (or to taste)
1 large onion, sliced
3 cloves garlic, minced
2 cups chicken or turkey broth
2 tbsp unsalted butter
2 tbsp all-purpose flour
DIRECTIONS
1. Preheat the Oven: Preheat your oven to 350°F (175°C).
2. Season the Turkey Wings:
• In a small bowl, mix together the garlic powder, onion powder, paprika, thyme, rosemary, black pepper, and salt.
• Rub the turkey wings with olive oil and then coat them evenly with the seasoning mixture.
3. Sear the Turkey Wings:
Fresh parsley, chopped (for garnish)
• Heat a large skillet or oven-safe pan over medium-high heat.
• Add the seasoned turkey wings and sear on both sides until they are golden brown (about 4-5 minutes per side).
• Remove the wings from the skillet and set them aside.
4. Sauté Onions and Garlic:
• In the same skillet, add sliced onions and minced garlic. Sauté until the onions become soft and caramelized, about 5 minutes.
5. Braise the Turkey Wings:
• Return the turkey wings to the skillet, placing them on top of the sautéed onions.
•Pour in the chicken or turkey broth, ensuring the wings are partially submerged in the liquid.
• Cover the skillet with aluminum foil or a lid and transfer to the preheated oven.
• Bake for 2 to 2.5 hours, or until the turkey wings are tender and falling off the bone
6. Make the Gravy:
• Once the wings are fully cooked, remove them from the skillet and set aside, keeping them warm.
• To make the gravy, melt 2 tablespoons of butter in a separate pan over medium heat.
• Stir in the flour and cook for about 2 minutes, whisking constantly to form a roux.
• Slowly pour in the liquid from the turkey wings (about 1-1.5 cups), whisking to combine until the gravy thickens.
• Season with additional salt and pepper to taste, if necessary.
7. Serve:
• Place the turkey wings on a serving platter, pour the gravy over them, and garnish with fresh parsley.
• Serve with your favorite Thanksgiving sides!
Enjoy your turkey wings and gravy!
By d-mars.com News Provider
Even the most skilled cybersecurity expert can fall prey to today’s incredibly sophisticated phishing attempts.
Phishing can take place in a variety of ways, but recognizing these “lures” is a powerful way to defang cybercriminals:
• Phishing: Traditional phishing comes in the form of a fraudulent email that encourages recipients to click on a link and provide personal data. Often the subject lines are designed to entice the receiver with an interesting headline, timely topic or urgent request.
• Smishing: An attacker sends a text prompting the recipient to click a link or call a number for more information. If the link is clicked, the user downloads malicious software to their phone.
ANYONE CAN BE A VICTIM OF A CYBERCRIME: WHAT TO KNOW
• Vishing: An attacker uses the telephone–or voice–to gain access to sensitive information for financial gain. The criminal usually poses as someone they are not, such as another employee, technical support person or someone representing a government agency.
•Quishing: An attacker creates a fake QR code and uses it to direct victims to a malicious website that prompts them to enter their personal or financial information. Ultimately, the easiest way for a cybercriminal to steal your information is to trick you into sharing it. Their fraudulent communications will often look official and appear to have come from a trusted source. However, there are warning signs to watch out for. Pause and ask yourself the following questions before responding:
Do you know the person who sent you the message? The source of an email or text can easily be forged, making it seem that a request is coming from someone you know. If something seems off or if the sender is asking for money or personal information, contact them through a different channel than the original message to confirm the message came from them.
Does the message create a sense of urgency? Criminals will often try to rush you into making an unwise decision. An example of such a message may read, “confirm your login details in the next 24 hours using the link below or your account will be suspended.” Always take the time necessary to think through your response and confirm legitimacy. Does the offer seem too good to be true? Treat any messages announcing you’ve won money, a prize or the opportunity to purchase an item at a significant discount as suspicious.
Does the message ask you to click on a link or open an attachment? Be particularly wary of emails from people
or organizations you don’t know urging you to click on a link or open an attachment. Doing so can lead to malware being installed on your device.
Does the telephone call ask for personal or financial account information? If you receive a call that just doesn’t feel right, trust your instincts. Hang up and call the customer service line from their official company website. Does the message ask you to scan a QR code? As QR codes become more common in daily transactions, utilize these tips when scanning a code:
• First, check to determine that the QR code has not been tampered with, such as a sticker placed on top of the original code.
• Check the URL to make sure the code is sending you to the intended site and that the site looks authentic. Look for typos or misplaced letters.
• Exercise caution when entering information on a site accessed via a QR code and avoid making payments; manually enter a secure URL to complete a payment.
• Do not download an app from a QR code. Instead, search for the app via your device's app store.
• If you receive a QR code from someone you know, reach out to them through a known number or address to verify that they sent you the code.
Don’t assume your tech savviness will protect you from today’s cybercrimes. In the face of increasingly sophisticated scams, an ounce of prevention can go a long way in helping you to protect yourself.
Source: StatePoint
Traveling Abroad?
Tips for a Smooth Experience
TBy d-mars.com News Provider
raveling abroad this holiday season? It can be one of the most enriching experiences and provides the opportunity to explore new cultures, cuisines, and environments. However, before embarking on your international journey, it’s crucial to prepare thoroughly to ensure a smooth trip. Here are key things to know and useful tips before heading overseas.
1. Research Your Destination - Every country is unique, and understanding your dream destination’s culture, customs, and rules can make your stay more enjoyable. Some countries have specific etiquette regarding public behavior, dress codes, and tipping practices. Researching these aspects helps you blend in and avoid any inadvertent offense.
• Learn Basic Phrases: Knowing a few phrases in the local language like “thank you,” “hello,” and “excuse me” can go a long way in fostering good interactions.
• Cultural Norms: Study local customs, especially if you’re visiting countries with more conservative traditions. For example, in some cultures, showing too much skin is considered inappropriate, while others expect tipping in restaurants or taxis.
2. Check Entry Requirements - Many countries require visas for entry, and some have additional entry rules, such as mandatory vaccinations or proof of onward travel. Be sure to check the visa requirements and application process well ahead of your departure date.
• Passports: Ensure your passport is valid for at least six months beyond your travel dates. Some countries enforce this rule strictly, and airlines may refuse boarding if your passport is close to expiring.
• Visas and Health Regulations: Certain destinations may require you to obtain a visa before arrival, or require vaccinations like yellow fever shots, depending on the region.
3. Get Travel Insurance - Traveling abroad exposes you to unfamiliar environments and unexpected situations like medical emergencies, flight cancellations, or lost luggage. Travel insurance can offer peace of mind and financial protection.
• Health Insurance: Many domestic health insurance plans don’t cover overseas medical expenses. Make sure your travel insurance includes medical coverage.
• Cancellation Coverage: Having insurance that covers trip cancellations, delays, or interruptions can save you from financial losses due to unforeseen circumstances.
4. Manage Your Money - Financial preparation is key when traveling abroad. Currency exchange rates, transaction fees, and even ATM availability can vary from country to country.
• Notify Your Bank: This is an important tip and something that travelers oftentimes forgets. Inform your bank or credit card company of your travel dates to avoid them flagging your purchases as fraudulent.
• Carry Multiple Payment Methods: Carry a mix of cash, credit cards, and debit cards. Research whether your card provider charges foreign transaction fees.
• Currency Conversion: Avoid changing large amounts of money at airport kiosks, as they typically have higher fees and poor exchange rates. Instead, withdraw cash from ATMs at your destination or use a local currency exchange.
5. Health and Safety Considerations - Before traveling, familiarize yourself with any health risks and safety concerns for your destination. This may include vaccinations, disease outbreaks, or natural disasters.
• Pack a First-Aid Kit: Include essentials like band-aids, pain relievers, antihistamines, and any prescription medication you might need.
• Stay Informed: Register with your embassy if possible, and stay updated on local news and travel advisories. The U.S. State Department and similar organizations offer valuable information on travel safety.
6. Prepare for Communication Challenges - Staying connected while abroad can be tricky, but it’s crucial for navigation and emergencies.
• Roaming Fees: Check with your mobile carrier about international roaming plans, or consider purchasing a local SIM card or an international phone plan.
• Offline Maps: Download maps of your destination while you have Wi-Fi access to avoid getting lost without access to data.
7. Pack Smart - Efficient packing can make your travels smoother. Keep in mind the climate of your destination and pack versatile clothing.
• Essentials: Always pack a small bag with your essentials (passport, money, phone, etc.) in case of travel delays.
8. Stay Organized and Document EverythingMake copies of important documents such as your passport, visa, travel insurance, and any booking confirmations. Keep digital and physical copies in separate places for added security.
• Emergency Contacts: Have a list of emergency contacts, including the local embassy and nearby hospitals.
• Backup Plans: If you’re planning activities or tours, book in advance and confirm reservations to avoid last-minute disappointments.
9. Blend in with Locals - When you arrive, try to avoid looking too much like a tourist. Be discreet with valuable items, learn local transportation systems, and avoid overly busy or high-crime areas, especially at night.
• Be Respectful: Showing respect for local customs and being aware of your surroundings will help ensure you have a positive and enriching experience.
By planning ahead, you can enjoy a stress-free and rewarding international adventure. Research your destination and take the necessary health and safety precautions. With these tips in mind, your trip abroad is sure to be an unforgettable and fulfilling experience. Safe travels!
