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BUSINESS JOURNAL

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

November 2021

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Inspire, Inform & Educate

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171TH Edition

Dianne Curvey for 280th Judicial District Court of Harris County, Texas;

Fighting With Relentlessness, Integrity, and Empathy

12, 21

INSIDE

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28

Understanding How Homeowners Associations (HOAs) Work

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15th Annual Texas High School Jamboree! The Best of Thanksgiving Basketball Where will you be?

The Greater Houston Black Chamber Announces Winners of Coveted Pinnacle and Upstart Awards at the 27th Annual Celebration of Black Business Excellence

2 | November 2021

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November 2021 | 3

PUBLISHER’S MESSAGE

MR. D-MARS CERTIFIED:

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

This month’s cover story highlights family law attorney Dianne Curvey, founding attorney of The Banieh Law Firm. With over 16 years of proven and acclaimed experience in the courtroom, attorney Curvey serves clients in Harris County and the surrounding areas and other cities around the State of Texas.

Successfully litigating for a diverse clientele whose issues range from child support to guardianship, protective orders, and even name changes, attorney Curvey fights relentlessly, but with integrity and compassion, genuinely caring for clients like family.

Attorney Curvey leads The Banieh Law Firm with purpose, also desiring to extend

Port of Houston

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

“Where you see wrong or inequality or injustice, speak out, because this is your country. This is your democracy.

Make it. Protect it.

Pass it on.”

—Thurgood Marshall, first African American U.S. Supreme Court Justice

METRO

City of Houston

her family law expertise to the bench, running for Judge of the 280th Judicial District Court of Harris County, Texas. With results and commitment in the family law arena, she plans to bring that same excellence as a judge, ruling with fairness, balancedness, and competence, if elected.

When faced with a challenging case, she leans on the legacy of resilience of Heman Sweatt and legal prowess of Thurgood Marshall, knowing those same characteristics dwell in her. From there, she grabs her sword (the Family Law Code book) and stays motivated to fight, with a favorable outcome for clients.

Hopefully, attorney Curvey’s cover story will inspire you to use your position of purpose for great change in your community.

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

HISD

CONTENTS 04 BUSINESS 04 The Greater Houston Black Chamber Announces Winners of Coveted Pinnacle and Upstart Awards at the 27th Annual Celebration of Black Business Excellence 08 COMMUNITY 08 15th Annual Texas High School Jamboree! The Best of Thanksgiving Basketball Where will you be?

10 EDUCATION & CAREER 10 Working Remotely? What To Know About Cybersecurity 10 Major Changes Announced to U.S. Department of Education’s Loan Forgiveness Plan 12-21 COVER STORY 12-21 Family Law Attorney Dianne Curvey Fights With Relentlessness, Integrity, and Empathy 13-20 HEALTH & WELLNESS 14 3 Ways to Focus on Fitness, No Matter the Season 15 The Power of Your Plasma: 5 Reasons To Consider Donating Today 16 Overcoming Holiday Depression 18 Pregnant? Health Care Tips for New Parents During COVID-19 18 Pfizer and BioNTech Approach Feds for Emergency Use Authorization for Vaccines for Kids

22 FINANCE 22 TRiBL Founder & CEO Ikechi Nwabuisi Lays Out Plan for the New Black Wall Street 22 Help Senior Citizens Avoid Financial Abuse 23 Health Goals Burning a Hole in Your Wallet? 3 Tips for Personal and Financial Wellness Success 24 DOMESTIC VIOLENCE 24 Harris County District Attorney’s Office Fights to Combat Domestic Violence 26 REAL ESTATE 26 Five Pillars of NAREB and the Importance of Black Homeownership 26 Understanding VA Home Loan Requirements 28 Understanding How Homeowners Associations (HOAs) Work 30 TRAVEL 30 3 Tips for Vacationing Safely With Your Family 30 Is the Daily Commute Back?

Survey Reveals New Driving Trends

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VBE

DBE

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

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4 | November 2021 BUSINESS

The Greater Houston Black Chamber

Announces Winners of Coveted Pinnacle and Upstart Awards at the 27th Annual Celebration of Black Business Excellence

Alexis & Sade Moore

Bianca & Carris Carey

Kevan & Ayesha Shelton

Derrel Noris

By d-mars.com News Provider

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he Greater Houston Black Chamber (GHBC) held its 27th Annual Pinnacle Awards, Saturday, October 23, 2021, where several of Houston’s best and most promising black-owned businesses received high honors.

The GHBC Pinnacle Award recognizes leading African-American entrepreneurs for their success in business and their positive impact on the communities and industries they serve. This year’s theme was Excellence Has Arrived: Black Businesses Take the Lead. The virtual production opened with a stellar performance by popular Houston-based Se7en the Poet and included well wishes from political leaders including Houston Mayor Sylvester Turner, Harris County Judge Lina Hidalgo and Missouri City Mayor Robin Elackatt. Congresswoman Sheila Jackson Lee and Congressman Al Green also made remarks. Songstress Mary Griffin gave a rousing rendition of Aretha Franklin’s “Rock Steady,” and CBS Sports anchor James Brown and Nate Burleson of CBS Mornings both made a cameo appearance during the awards pre-show online.

Each year, five Pinnacle Awards, one Upstart Award and one Rising Star are handed out to some of the most successful small businesses.

The 2021 winners are: • Upstart Award: Grand Park Square • Rising Star Award: Coach Cam • Pinnacle Award: Camellia Alise • Pinnacle Award: Carey Business Solutions • Pinnacle Award: Park Street Homes • Pinnacle Award: Fresh Tech Solutionz • Pinnacle Award: Sisters & Moore

Coach Cam

Lyndsey Brantley

Junious Williams In addition to these prestigious honors, the GHBC also honored several other businesses and individuals with community awards including:

• Legends Award – Dr. Ruth J. Simmons, President, Prairie View A&M University • Excellence Award – Helen Stagg, President & CEO, Change Happens, Inc. • Larry V. Green Advocate of the Year Award – Jerome Love, President & CEO, Texas Black Expo • Mickey Leland Public Leadership Award – Teneshia Hudspeth, Harris County Clerk • Endurance Award – KTSU-FM • Youth Entrepreneur Award – Lauren Ashley Alexander, 2BooG Beauty

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Dale Lockett of KHOU and Jemila Winsey of Re/Max Legacy Living and Re/Max 1st Class served as co-chairs of the event, and Gerald Smith of Smith Graham and the Astros Organization were the honorary co-chairs.

Major sponsors included Microsoft and St. Luke’s Hospital (Gold); Shell, JWTC, BHP and Castlerock Resources LLC (Silver); Port Houston, CenterPoint Energy, BP and The Astros Foundation (Bronze).

Founded in 1935 as the city’s first African-American civic organization, the GHBC has evolved into an active participant in the city of Houston’s socioeconomic process. The organization is a 501(c)(6), not-for-profit, private, member-driven organization that serves the Greater Houston Area. The GHBC helps its partners and members navigate Houston’s large, diverse population, industries and the many nuances, which are unique to the city, equipping businesses to survive and thrive through advocacy, training and networking.

For more information about the GHBC, please visit www.ghbcc.com.

Source: Misty Blue Media

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8 | November 2021 COMMUNITY

19th Annual Texas High School Jamboree

The Largest Thanksgiving Basketball in Texas Where will you be?

Presented by Nelson Brand Sports By d-mars.com News Provider

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his month D-MARS.com is teaming up with the Nelson Brand Sports organization to sponsor the Thanksgiving High School Basketball Jamboree, which kicks off with Texas High School Jamboree now hosted at two sites Episcopal High School and St. Thomas High School November 26-27, 2021.

The 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, get that chance to compete at a high level for college scholarships in front of the many college coaches that will be in attendance for a full two days of 50 top notch high school basketball 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

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Championships and going on to receive his Bachelor and Master’s Degree 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 J. Davis, Sr. “With this partnership between D-MARS.com, Nelson Brand LLC, Urban Social Lounge, Boost Mobile and JRB Sporting Events. 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, please email eliteaction@sbcglobal.net or visit www.nelsonbrandsports.com

November 2021 | 9

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10 | November 2021

in the Courtroom Leads to a Run for the 280th Judicial District Court of Harris County, Texas By d-mars.com News Provider

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ommon law and business divorce, custody battles, paternity, pre- and post-marital agreements, and other issues under the family law umbrella can be difficult to navigate, also causing emotional distress. But one doesn’t have to walk this arduous road alone.

Family law attorney Dianne Curvey, founding attorney of The Banieh Law Firm, has over 16 years of proven and acclaimed experience in the courtroom, serving clients in Harris County and the surrounding areas and other cities around the State of Texas. Successfully litigating for a diverse clientele whose issues range from child support to guardianship, protective orders, and even name changes, attorney Curvey fights relentlessly, but with integrity and compassion, genuinely caring for clients like family.

“The motto of The Banieh Law Firm is ‘From the cradle to the grave,’ helping clients navigate the ups and downs of life while going through their family law case,” said attorney Curvey. “We focus more on preserving the client’s peace of mind than looking like big shots in the courtroom. While yes, our goal is to fight for the client to receive all of what they need and some of what they want in their dispute, preserving the client’s mental well-being during the process is more important to us than showing just how badly we can defeat the other side.”

Attorney Curvey leads The Banieh Law Firm with purpose, also desiring to extend her family law expertise to the bench, running for Judge of the 280th “Whether Judicial District Court of Harris County, Texas. you have With results and commitment in the family law arena, she plans to bring that same excellence a paternity as a judge, ruling with fairness, balissue, child ancedness, and comsupport, custody, petence, if divorce, or a probate elected. matter, we understand what it takes to move you successfully through the family law court system. Honesty and Attorney Cur vey ha s experience are some of the foundational elements that handled nearly two keep The Banieh Law Firm a highly regarded family law thousand family law, practice. I am currently running for Judge of the probate, and criminal 280th Judicial District Court of Harris County, matters and is a member in Texas, desiring to have my legal expertise good standing with the Texas serve on the bench. If elected, I will Bar, the United States District Court for the Southern District of be accountable to Harris County, ruling Texas, Houston Bar Association as a fair, balanced, and competent - Family Law Section, and othjudge.” er associations. She is a highly —Dianne Curvey, skilled family law attorney who is Founding Attorney of The Banieh Law Firm personable with Southern charm, but trust that she is also tough, preparing strong cases strategically to greatly increase a client’s chance for a favorable outcome.

For more information about attorney Dianne Curvey, The Banieh Law Firm, and how they can support you in strategizing your victory, please visit www.baniehlawfirm.com or call (832) 623-7998.

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DMARS: In addition to having expertise, knowledge, and education, what other special elements do you possess that make you a successful family law attorney?

CURVEY: The additional special qualities that I possess that make me a successful family law attorney are my ability to empathize with my clients, see things from their perspective, and be a partner who strategizes with them to help them prevail.

DMARS: Family law is an emotional area of law. How do you remain professional and compassionate, without allowing emotion to lead you in how you handle cases?

CURVEY: When I work with a client, I compartmentalize my feelings. Business and personal feelings never mix. Like a prize fighter, I must stay in control of my emotions or my opponent can use that weakness to overtake me. I always have the best chance of winning a case for my client when I remain in control of my emotions, know the applicable law, and apply the law liberally to the facts of the case.

DMARS: Talk about mediation vs. court, pros and cons of each, and how you determine which is best for a particular case.

CURVEY: Mediation is a client’s last chance to maintain control of their case. They have the power to craft creative decisions for them and their family that generally would not happen in a court of law. If mediation fails, you move on to trial where an expert in that area makes a final decision about your life and the lives of your children. Taking a case to court vs. mediation depends on the facts of the case. In my experience, I have seen that you generally get the best results when you work out problems in mediation.

DMARS: What is your main advice to clients before going to court or mediation?

CURVEY: There is no happily ever after in family law. No matter how happy one side may be, there will always be another side that will grieve the loss of a relationship, a child, or even someone’s life. I am a spiritual person and rely heavily on my religious beliefs to counsel clients through tough times. I always advise my clients that they won’t walk out of court or mediation with everything on their wish list. I generally have them write down their top 5 items they want from the resolution of the case. The other things they have on their list are just extras that they can live without. This is pretty difficult for most clients because they want everything on the list. However, helping them to focus on the most pertinent items gives them the ability to negotiate and let go of the things that don’t really matter.

DMARS: Without breaking confidentiality, can you share a client’s memorable case and positive outcome?

CURVEY: I once had a family who wanted to adopt a baby boy. During the pendency of the case, the family had taken a road trip to Austin in two separate cars. On the way home, the father’s car was struck by a pick up truck while the wife and adoptive baby watched on from the other car. From the backseat, the child began to wave and say, “Bye Daddy.” The father was killed instantly. She and I liked to imagine that the baby saw the dad’s spirit leave his body. Now, during these times, it was frowned upon for single people to adopt. The mother worried that due to her husband’s death, that would prevent her from adopting. But a provision in the code allowed the child to still be considered as the adoptive son of the father and mother, despite his death.

DMARS: Talk about your mentorship program for young attorneys and the success of the program.

CURVEY: I have so many young attorneys, or as I call them, “baby attorneys,” who call me “Auntie,” coming to me for advice.

Whenever I meet a newly licensed attorney, especially one from Thurgood Marshall School of Law, where I received my Doctor of Jurisprudence, I give them my information and offer to take them to lunch. We talk about their chosen area of law and how I can be of assistance to them. These young people call and text me whenever they need advice, and I always do my best to respond quickly. In addition, I take them with me to court hearings and mediations, so that they gain useful experience to successfully practice law.

DMARS: You reference Thurgood Marshall when addressing your goals as an attorney. How has his path in the legal profession been a guiding light in how you practice law?

CURVEY: Law school, for some, has been an unattainable goal. But thanks to the bravery of people like Heman Sweatt, the first black person to be accepted to UT Law, but segregated into a room the size of a broom closet, Thurgood Marshall School of Law was built (originally called Texas State University for Negroes). I urge people to read Sweatt v. Painter, a landmark case on separate but equal laws in education that was argued by none other than Thurgood Marshall. Having a history like this to stand on makes me proud of the people from whom I descend. When I begin a difficult case where the odds seem to be against me, I think of the resilience Sweatt showed and the intellect and legal prowess that Marshall possessed, and I know that those same characteristics dwell in me. From there, I grab my sword (my Family Law Code book) and begin to fight.

Q&A With Family Law Attorney Dianne Curvey

DMARS: Your practice has many services, but talk specifically about your mistaken paternity cases, as we don’t hear much about these types of cases.

CURVEY: Mistaken paternity is one of my favorite areas of law. In fact, I used to have an ad that read, “If your kid is starting to look like the milkman, don’t get milked by child support! Call The Banieh Law Firm. We can help.’’ This law comes into effect after a man has claimed paternity without DNA testing and later learns the child is not his. So long as he files a Mistaken Paternity claim within 2 years of learning the child may not be his, then he can be absolved of all duties given to him through his paternity claim. The only downside is that the law does not absolve the gentleman from paying past due child support or from getting any money back for the years he paid.

DMARS: Talk about your run for Judge of the 280th Judicial District Court of Harris County, Texas.

CURVEY: This is a Protective Order Court where lives are always in jeopardy. With over 16 years of actual legal experience in family law, I know that I am equipped to read, apply, and distribute the law as the Family Code deems appropriate. To me, a Protective Order is more than a piece of paper. I have a deep understanding that for most, this order is the key to a violent-free life where they can find safety in the law and avoid physical and psychological torment from their abuser.

My campaign message to the voter is, “Vote Curvey for Judge because I am Fair, Balanced, and Competent.”

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12 | November 2021 EDUCATION & CAREER

EDUCATION & CAREER

Major Changes

Announced to U.S. Department of Education’s Loan Forgiveness Plan

By Stacy M. Brown NNPA Newswire Senior

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Working Remotely?

What To Know About Cybersecurity By d-mars.com News Provider

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f you are employed in the US, it's more likely than not that you worked remotely this past year.

52% of Americans have done part or all of their jobs from home during the pandemic. That's even more than the number of Americans with a college degree.

Over time, we've perfected some aspects of remote and hybrid working - from comfortable chairs to Zoom happy hours.

But there's one thing that remains a major problem for most people: cybersecurity.

AAhomegrown homegrownproblem problem Work-from-home arrangements have contributed to a 238% increase in global cyberattack volume during the pandemic. And the attacks haven't simply grown in amount - they're more costly, too. The average cost of a data breach rose by 10% to a staggering $4.24 million.

Why? Because employees aren't following cyber standards and best practices. For instance, the vast majority of employees are using work devices for personal tasks and personal devices for work. Some of you might even be thinking, "What's wrong with that?"

Now, more than ever, we all need to take cybersecurity seriously. "Cybersecurity is a top priority because our clients entrust us with their sensitive information and personal finances," says Bashar Abouseido, Managing Director and Chief Information Security Officer at Charles Schwab. "We make it everyone's business.

We train every employee on best practices so that our clients can rest assured that their money, investments and financial futures are safe."

Cybersecurity Cybersecurityisiseveryone's everyone’sbusiness business You might be thinking, "Another lecture about compliance? Did my IT department pay you to write this?"

But everyone has a stake in cybersecurity.

• It impacts the employer. Businesses can lose more than money - their reputation, customers and even ability to stay open are at stake. In fact, 60% of small and midsize businesses that are hacked go out of business within six months.

• It impacts the employee. Not only can hackers unlawfully access company data through employees, but personal data can also be compromised. From social media accounts to personal finances, sensitive information becomes vulnerable without proper safeguards in place.

• It impacts the client. It takes a lot of trust to put your own data in someone else's hands. Sometimes, the stakes are incredibly high. Financial services companies, for instance, are entrusted with everything from employment information and income to Social Security numbers and retirement savings.

What’snext? next?

What's Here are four ways remote employees can protect themselves, their clients and the companies they work for: • Don't mix business and personal devices: Using personal devices for work-related activities can easily put company data at risk if there is a breach. And that goes both ways: If the company is hacked, personal data may also be stolen.

• Avoid public Wi-Fi: It's great when you don't need a password to connect to the internet at your local coffee shop or airport, right? Hackers agree! Public Wi-Fi networks are inherently insecure, and that means it's best to avoid them if at all possible.

• Get a virtual private network (VPN): These networks provide encrypted connections, ensuring that sensitive information is safely transmitted.

• Use multi-factor authentication (MFA): When transmitting sensitive information over the internet, look for websites that ask you to verify your identity by receiving an email, text or call. Microsoft recently found that MFA prevents an astonishing 99.9% of all cyberattacks.

he U.S. Department of Education recently announced an overhaul of the Public Service Loan Forgiveness (PSLF) Program.

Education Department officials said they would implement the overhaul over the next year and make the program live up to its promise.

According to a news release, the policy will result in 22,000 borrowers who have consolidated loans – including previously ineligible loans – being immediately eligible for $1.74 billion in forgiveness without the need for further action on their part.

Another 27,000 borrowers could potentially qualify for an additional $2.82 billion in forgiveness if they certify additional periods of employment.

In total, the Department estimates that over 550,000 borrowers who have previously consolidated will see an increase in qualifying payments with the average borrower receiving another two years of progress toward forgiveness.

Many more will also see progress as borrowers consolidate into the Direct Loan program and apply for PSLF, and as the Department rolls out other changes in the weeks and months ahead, officials stated.

“Borrowers who devote a decade of their lives to public service should be able to rely on the promise of Public Service Loan Forgiveness,” U.S. Education Secretary Miguel Cardona stated in the news release.

“The system has not delivered on that promise to date, but that is about to change for many borrowers who have served their communities and their country,” Cardona continued.

“Teachers, nurses, first responders, servicemembers, and so many public service workers have had our back especially amid the challenges of the pandemic. Today, the Biden Administration is showing that we have their backs, too.”

Visit www.ed.gov to view a Fact Sheet about the Student Loan Forgiveness Plan, including who it affects.

Visit www.aboutschwab.com/cybersecurity to learn more about cybersecurity and how to keep yourself safe.

Source: BPT

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Source: National Newspaper Publishers Association

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November 2021 | 13

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HEALTH & WELLNESS JOURNAL

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

November 2021

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Inspire, Inform & Educate

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24th Edition

Pregnant?

Health Care Tips for New Parents During COVID-19 18

INSIDE

14

Ways to Focus on Fitness, No Matter the Season

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The Power of Your Plasma: 5 Reasons To Consider Donating Today

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16

Overcoming Holiday Depression

14 | November 2021

3

HEALTH

Ways to Focus on Fitness, No Matter the Season

By Lauren Victoria Burke

NNPA Newswire Contributor

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any Americans may be rededicating themselves to getting outside and focusing on their fitness. This may be especially important after so much time spent inside due to the COVID-19 pandemic, which contributed to unwanted weight gain for 61% of Americans.

"Whether you are ready to return to public fitness centers or are pursuing an at-home workout routine, the same priorities may remain key: daily exercise, proper nutrition and sufficient sleep," said Dr. Donna O'Shea, chief medical officer of population health, UnitedHealthcare.

To help with those efforts, here are three strategies to consider to help make health a priority year-round.

Round out your home workout routine. While public gyms and group exercise classes may have appeal for many people, working out at home may have several advantages. At-home exercise is typically less expensive than a gym membership, which may also help improve your financial fitness. Exercising at home may provide greater flexibility and convenience when incorporating a workout into a daily routine, while offering a more private experience. To help make the most of your at-home exercise efforts, consider investing in resistance bands, which generally are an inexpensive, space-saving option that may help with pre-workout warmups and options for strength training. A pair of adjustable-weight dumbbells may offer versatility, enabling scalable resistance to help improve

your strength. Finally, heart rate monitors or activity trackers may help you evaluate performance during individual workouts and over time, while digital fitness apps may provide helpful instruction.

Make movement a priority. Even if you don't have a limited or full gym setup at home, it is crucial to still stay active and not fall into the trap of participating only in sedentary activities, such as binge-watching the latest TV series or movies. Consider taking short walks frequently throughout the day, aiming for six separate "mini-walks" of at least 300 to 500 steps. To help enhance cardiovascular fitness, consider at least one 30-minute "brisk walk" of at least 2,000 to 3,000 steps each day. To help build endurance, consider working toward 8,000 to 10,000 aggregate steps per day. Moving more and sitting less may help boost the immune system, ease joint pain and curb cravings for high-sugar foods that may contribute to inflammation and disease, according to a recent study.

Identify intrinsic and extrinsic motivators. In general, people may be motivated by a combination of intrinsic factors, such as wanting to maintain a healthy weight, and extrinsic factors, such as financial rewards. Daily exercise may offer several intrinsic motivators, given research has shown consistent movement may help ward off depression and prevent issues like heart disease. To potentially earn incentives for pursuing healthier habits, it's important to note that a majority of U.S. employers offer well-being programs, many of which include financial rewards for healthy activities such as walking, going to the gym or meeting certain health benchmarks (e.g., cholesterol levels, body mass index or non-nicotine use). Importantly, some health plans offer access to wearable devices that may enable people to earn more than $1,000 per year in financial incentives for meeting certain daily activity goals.

Following these tips may help you make well-being a priority, while encouraging healthier habits that may eventually translate to meaningful improvements.

The information provided is for general informational purposes only and is not intended to be, nor should be construed as, medical advice.

Check with your doctor to determine what activity level is right for you.

Source: BPT

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November 2021 | 15 HEALTH

The Power of Your Plasma: 5 Reasons To Consider Donating Today By d-mars.com News Provider

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hroughout the past year, you may have heard about plasma in terms of its potential use in treating COVID-19. However, for more than 80 years, plasma has been a lifeline for thousands of people who live with rare and chronic complex conditions. Plasma donations are critical in helping save lives because they are used to make life-sustaining medicine. Even with the global pandemic shedding light on the role of plasma in fighting disease, many people may not know how thousands around the country rely on plasma every day.

Hereare are55key keyreasons reasons why Here why you you should consider donating should consider donating plasma today. plasma today.

1. Plasma is used to make life-saving medicine Plasma carries out a variety of functions in the body, including helping the body fight disease. Plasma donations are processed into life-saving medicine for people with rare and chronic conditions including immunodeficiency disorders.

Often, there are no alternative treatments for these conditions. Plasma donations are life-changing and provide an opportunity

for patients around the country to live a happier and healthier life.

2. Plasma cannot be manufactured in a lab Even with all of the scientific advances we have in the healthcare industry, medicine developed from plasma can only be made from plasma donated from healthy adults. Plasma cannot be manufactured in a lab or any other artificial environment.

Because of this, plasma has become a scarce yet life-changing resource for people who rely on these plasma-based medicines.

3. The plasma donation process is safe and fast Thousands of people donate plasma safely every day. Donating plasma is a low-risk procedure with minimal or no side effects. On a donor's first visit to a plasma donation center, the whole process, including a physical examination, medical screening and the plasma donation, usually takes about two hours. Future visits take less time.

Because the body quickly replenishes the plasma removed during the donation process, healthy individuals may donate as often as twice in a seven-day period, with at least one day between donations. To learn more about the donation process visit www. biolifeplasma.com.

4. Many individuals are eligible to donate plasma To donate plasma, an individual must be at least 18 years of age, weigh at least 110 pounds and pass all other required donor eligibility criteria in order to protect the donor's health and safety of the plasma. That said, healthy individuals who are eligible to donate their plasma can do so, regardless of their race, color, religion, gender, national origin, age, disability, sexual orientation or gender identity.

more urgent than ever. Global demand for these therapies has increased over the past 20 years - and continues to grow due to more rare diseases being identified as well as more patients being diagnosed.

However, all of us have the power to make a difference through plasma donation and potentially help save lives.

5. There is an urgent need for plasma donations With plasma donations lower than usual through the pandemic and the demand for medicine developed from plasma growing worldwide, the need for plasma is

BioLife Plasma Services is part of Takeda Pharmaceutical Company Limited.

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How can you help?

The need for plasma is greater than ever and BioLife Plasma Services is welcoming plasma donors to help at centers around the country. In addition to potentially making a positive impact on someone's life, plasma donors are compensated in recognition of the time, commitment and the effort required for their donation. Find a plasma donation center near you at www.biolifeplasma.com, or by downloading the BioLife App.

Source: BPT

16 | November 2021 HEALTH

Overcoming

Holiday Depression Tami V. Allen, MS, LPC Contributing Writer

T

he holidays are an opportunity to spend time with your family and friends and enjoy food and fellowship. However, there are some individuals who spend the holidays alone as they may not have a close network of family and friends. These individuals spending the holidays alone may encounter bouts of depression they may not experience during other times of the year.

This type of depression is identified as seasonal affective disorder (SAD), which is a recurring form of depression that occurs during the changes in seasons, usually beginning in late fall and continuing into the winter months. SAD (also called winter blues) depression typically subsides in the spring or early summer, which is usually a period of exuberance and energy.

According to the Diagnostic and Statistical Manual of Mental Disorders (DSM-5)[1], SAD is classified as a major depressive disorder with seasonal pattern, which is a subtype of depression that consists of mood changes linked to seasonal changes. The diagnostic specifier “with seasonal pattern” can describe a seasonal pattern of symptoms in both major depressive disorder and bipolar disorder. While men are not exempt from experiencing this form of depression, women are four times more likely to experience SAD and the age of onset is estimated to be between 18 and 30 years[2].

SAD is prevalent amongst individuals already experiencing social isolation, have minimal exposure to (sun) light, financial stress, working during the holidays and unable to spend time with family and friends, substance abuse, and other mental health disorders. Some of the signs and symptoms include feeling depressed most of the day nearly every day, fatigue and decreased motivation, disruptive sleep patterns, increased/ decreased appetite, hopelessness, and occasionally passive or active suicidal ideation.

While all symptoms may not subside, some of the following treatments may be helpful: • Regular exposure to bright light,

preferably sunlight during the fall and winter months.

• Selective serotonin reuptake inhibitor (SSRI) antidepressants increase serotonin which is involved in regulating mood, sleep cycles, hormonal activity, cognition, and metabolism.

• Talk therapy to discuss feelings and emotions affected during this period.

• Initiating or increasing social connections with friends and family, avoiding social isolation.

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To help one overcome seasonal depression, it is important they be aware of what is happening and implement the above tips along with seeking out social and/or professional support.

My goal as a therapist is to work with individuals and couples to help bridge the gaps in your interpersonal development that subsequently affects your relationships.

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

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

Visit me on the web at www.AllenCounselingGroup.com.

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

Like and follow the Allen Counseling Group on social media: FB: @AllenCounseling2017 IG: @AllenCounselingGroup Twitter: @CounselingAllen REFERENCES: 1. American Psychiatric Association. Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition (DSM-5) Arlington, Va, USA: American Psychiatric Association; 2013. [Google Scholar] 2. Rosenthal N. What is seasonal affective disorder? Answers from the doctor who first described the condition. Dr. Rosenthal's personal website, http://www.normanrosenthal. com/seasonal-affective-disorder/

713.597.4499 877.214.5758 President, Lead Therapist and Mediator at Allen Counseling Group, PLLC. Licensed Professional Counselor approved by the Texas State Board of Examiners of Licensed Professional Counselors.

Texas Certified Mediator - Parenting agreements and relationship dissolution.

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

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

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

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

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theallencg@gmail.com www.allencounselinggroup.com

November 2021 | 17

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18 | November 2021 HEALTH

HEALTH

Pregnant? Health Care Tips for New Parents During COVID-19

By Thor Christensen American Heart Association News

F

inding out you are pregnant is life-changing and you may experience a range of emotions.

New parents have lots on their plate, especially with concerns around COVID-19. This can leave many feeling overwhelmed from information and advice, which can lead to skipping the important step of making appointments for themselves and their baby.

"Pregnancy can be an exciting time for many.

However, pregnancy can also bring a lot of questions, wondering and worry for women and their partners," says Dr. Carolyn Brooks, senior director, Clinical Capability, UnitedHealthcare Community & State.

"It's important to take steps throughout the pregnancy to connect to care and resources that can support mom and baby, from early in pregnancy all the way into the first years of a baby's life."

Dr. Brooks and the experts at UnitedHealthcare share some important things pregnant women should know during the pandemic and beyond:

Findaadoctor doctorand andmake makean anappointment appointmentas as Find soon as you suspect or learn that you are soon as you suspect or learn that you are pregnant pregnant To ensure optimal health for you and your baby, prenatal appointments are essential and the earlier in the pregnancy the better. At the first appointment, a health care expert will confirm your pregnancy and work with you to determine a healthy plan for the future. During your prenatal appointments, your provider will measure your weight and blood pressure and screen for conditions such as hypertension, diabetes, anemia and hepatitis B, which are important to detect and treat during pregnancy.

This is also a good time to ask questions you may have or explore any early symptoms like morning sickness you may be experiencing to learn about common management and nutrition. You can also ask about the many programs and resources that can help you throughout your pregnancy, from getting you access to prenatal vitamins and baby supplies to connecting you to case management programs, group support options and other programs that could address substance use and behavioral health needs.

Accessthe themany many programs Access programs andand resources resources for youyou thatand benefit available foravailable you that benefit your you and your baby baby There are a variety of programs that can help you get what you need for a successful pregnancy, continuing into the first years of your child's life. Use the many community resources available, ask your health care team to assist in supporting your care coordination and utilize the opportunities for enhanced programs from your insurance provider. When you inquire, you may find you qualify for numerous programs, particularly if you're experiencing difficult times.

As a first step, if you are a UnitedHealthcare member, you can call the number on your insurance card to determine what resources are available to you as there are a range of programs and support services the company can offer or connect you with.

Gototoall allyour yourprenatal prenatal and postpartum Go and postpartum appointments- even - even during COVID-19 appointments during COVID-19 Even during COVID-19, you should keep prenatal and postpartum appointments with your healthcare

provider. In some instances, you may have an option to use telehealth for some appointments, which allows you to meet with your provider over a phone or computer and is a safe option, if recommended.

Other appointments will still need to take place in person. Health care facilities are taking extra steps to ensure a safe, clean environment. You can be proactive and help stay healthy during in-person visits by practicing social distancing, washing your hands often and wearing a mask.

The CDC recommends a COVID-19 vaccine for pregnant women so make sure to ask your health care provider when you should get this vaccine and other important vaccinations to protect you and your baby.

Acknowledgeand andmanage managestress, stress,anxiety anxiety Acknowledge and anddepression depression Being pregnant or taking care of a new baby during COVID-19 may have you feeling uncertain, nervous or worried. You aren't alone. These are normal feelings to have, especially during a pandemic, and it's important to first acknowledge and then take steps to ask for help when needed to manage stress, anxiety or depression during this time.

While it can be difficult, try to focus on yourself and your mental health.

Practicing self-care by creating a daily routine and taking brea k s f rom the news can help. If you're feeling lonely or isolated, talk to family, friends or your healthcare provider.

You are not alone in this journey.

For more information and resources, visit https://everypregnancy.com.

Pfizer and BioNTech Approach Feds for Emergency Use Authorization for Vaccines for Kids

By Stacy M. Brown NNPA Newswire Senior

P

fizer and BioNTech officials have confirmed that they have approached federal regulators to authorize emergency use of their coronavirus vaccine for children ages 5 to 11.

It’s estimated that more than 28 million children would become eligible if the request meets approval.

With school re-openings contributing to an uptick in Covid-19 diagnosis, many have expressed a desire for vaccines for children.

“Over the past nine months, hundreds of millions of people ages 12 and older from around the world have received our COVID-19 vaccine,” Albert Bourla, Pfizer’s Chairman and Chief Executive Officer, said last month after a clinical trial reportedly found that the Covid-19 vaccine was safe and generated a “robust antibody response” in children ages 5 to 11.

The September study counted as the first such results released for that age group for a US Covid-19 vaccine.

“We are eager to extend the protection afforded by the vaccine to this younger population, subject to regulator y authorization, especially as we track the spread of the stantial threat Delta variant and the subit poses to children,” Bourla said.

“Since July, pediatric cases of COVID-19 have risen by about 240 percent in the U.S. – underscoring the public health need for vaccination. These trial results provide a strong foundation for seeking authorization of our vaccine for children 5 to 11 years old, and we plan to submit them to the FDA and other regulators with urgency.”

Source: BPT

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Source: National Newspaper Publishers Association

November 2021 | 19

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20 | November 2021

YOU CAN HELP PREVENT CHILD ABUSE!

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November 2021 | 21

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22 | November 2021 FINANCE

FINANCE

TRiBL Founder & CEO Ikechi Nwabuisi

Lays Out Plan for the New Black Wall Street

By National Newspaper Publishers Association News Provider

I

kechi Nwabuisi, founder & CEO of TRiBL, today calls for a “New Black Wall Street,” offering a bold vision on how Blacks around the world can create generational wealth at a time when the pandemic over the past year has dramatically affected so many people’s lives.

In this new op-ed, Nwabuisi, a Nigerian-American, is the founder and CEO @ TRiBL, a messaging app for Pan-African commerce, offers his strategies.

Publications may run the following piece under his byline, Ikechi Nwabuisi. Photo attached.

Wake up everybody! It’s time to celebrate the success of those in the past and now in the present who represent brave Black men and women who are rewriting the scripts, illustrating that Black people can – and are creating wealth.

We must channel our consumer buying power of $1.4 trillion to create the new Black Wall Street. Now is a great opportunity for us to embrace what Tulsa’s Black Wall Street symbolized: Black excellence; the power of community; and, the importance of unity. Ever since the death of George Floyd, we are realizing that we have to fight for social justice, but we also have to do what our predecessors did in Tulsa: They created a blueprint for wealth creation within our community. BankGreenwood.com reports that a dollar circulates six hours in the Black community, 20 days in the Jewish community and 30 days in the Asian community.

According to a study by the American Journal of Economics and Sociology, “If 1,200 median priced houses in Tulsa were destroyed today, the loss would be around $150 million. The additional loss of other assets, including cash, personal belongings, and commercial property, might bring the total to over $200 million.”

What’s maddening is that this demonstrates the level of oppression faced, and the intention to upholding white supremacy.

Despite on-going efforts by the family members of those loved ones lost, they have repeatedly denied their claims for reparations. This gives us greater urgency for us to take control of our own destinies and move from words to actions to understand these three valuable lessons that we can apply today: 1) We must create wealth within the Black community; 2) We must buy black; and, 3) We must create safe spaces/communities where majority of commerce is Black-owned.

The pandemic has only highlighted the tremendous racial wealth gaps in this country. For Blacks, the median annual wage is nearly $10,000 more than White

employees, a recent McKinsey study reported. The study goes on to show how Blacks are more likely to get hired in traditionally lower-paying jobs that prevent us from ever gaining the wealth we deserve even though we put in hours to get the jobs done.

The tragedies of the past year have fueled a new energy in buying Black. #BlackWallStreet, #BuyBlack and #BankBlack are trending. WeBuyBlack.com has become one of the largest online marketplaces for Black-owned businesses. The Official Black Wall Street app offers another invaluable tool for Black-owned businesses and consumers. That’s all good, but ultimately, it’s all about ownership and equity. It’s not just about access.

It's about actual ownership of businesses. The ability to create jobs through entrepreneurship and share resources crafted for us, and by us. While information is information, our experiences are unique and require the context and/or experience of people of our ethnic backgrounds.

What the new Black Wall Street needs is a community that combines culture and group economics so we can collectively accumulate wealth. We need commerce where Blacks can spend money and those dollars circulate within the Black community around the world so they can do business with other blacks seamlessly. We need technology, creating social networks for-us-buy-us and those that allow us to access blockchain.

Photo Caption: Ikechi These three elements - comNwabuisi, a Nigerianmunity plus commerce plus American, is the founder technology - are the tools for and CEO @ TRiBL,a us to accumulate long-term messaging app for PanAfrican commerce. wealth. No, we’re not talking about fast money that we make in a single transaction, but wealth that will stand the test of generations, passed on from one to the next.

In our tech driven society, we are the leaders of the internet. As we gain more education and access to resources and tools, we are able to build businesses and tools. We have more than earned the right to have our own keys to own, build, invest, and grow our communities without waiting on reparations or help from politicians and government agencies who have proven that they do not have our best interests in mind.

The new Black Wall Street empowers us to re-train our community with a community-first mentality that will significantly shift our behavior. Group economics amongst Black people around the world will enable us to take advantage of some of the biggest wealth creation events, which will occur over the next 50-years i.e., emerging market real estate/infrastructure, blockchain, cryptocurrency, etc. With the power of our global community, we have the potential to tap into more than $2.5 trillion in Pan-African commerce.

Now is the time. We have unprecedented access to information, knowledge, and economic power, if we choose to accept it. What Blacks have is the opportunity to take advantage of a global marketplace where commerce is already happening. When we work together to ensure that dollars are circulating between our communities, we will create sustainable wealth for generations to come.

Help Senior Citizens Avoid Financial Abuse By d-mars.com News Provider

S

upport the older people in your life by brushing up on ways to stay safe and secure off and online.

“I wish scary characters were only make believe, but unfortunately, there are real ones lurking in the digital realm and sometimes in our lives. All too often, we hear of elder financial abuse cases where these bad actors manipulate unsuspecting souls out of their savings and possessions,” says Lauree PetersonSakai, strategy leader for Wells Fargo Aging Client Services.

Imposter scams use a variety of tricks to gain a person’s trust and steal their sensitive information, but they often start with a simple call, email or message impersonating a person or company they know to trick them into giving away their money.

Some tips to help thwart fraudsters:

• Don’t pick up calls from unknown numbers. The IRS and other government or financial institutions rarely make outbound calls and never ask you to provide personal information.

• Avoid helping strangers with cashing checks, delivering packages or receiving goods.

• Beware of calls from individuals claiming to be your grandchild in urgent need of money. Hang up immediately to avoid falling for this common trick.

• Speak to another family member or trusted person in your life before lending large sums of money to family members or new acquaintances.

• Fraudsters are everywhere today, including in internet searches, emails and texts.

• Don’t be tempted to click on something that could hurt you or expose your personal information and log-in credentials.

“The best things you can do for yourself are to know how to recognize potential scams and keep an open dialogue with your family and loved ones. Encourage each other to share if something sounds suspect,” says Peterson-Sakai.

“What we’ve found to be really protective against scams is running a situation by someone you trust before making a decision that could impact you financially.”

For a guide to identifying and preventing elder abuse, visit wellsfargoadvisors.com.

Thisadvertisement advertisementwas waswritten writtenand and This providedby byWells WellsFargo FargoWealth Wealth&&Investment Investment provided Management Management Investment and Insurance Products are: • Not insured by FDIC or Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Wealth & Investment Management offers financial products and services through bank and brokerage affiliates of Wells Fargo & Company. Bank products and services are available through Wells Fargo Bank, N.A., Member FDIC. Brokerage products and services are offered through Wells Fargo Advisors, a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, separate registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Source: National Newspaper Publishers Association

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Source: StatePoint

November 2021 | 23 FINANCE

Health Goals Burning a Hole in Your Wallet?

3 Tips for Personal and Financial Wellness Success 33tips tipstotobenefit benefityour yourhealth healthand andfinancial wellness: financial wellness:

By d-mars.com News Provider

T

he key to improving your personal wellness might be as simple as a trip to your favorite store.

According to a new national survey, two-thirds of Americans say they would be more motivated to pursue a healthy lifestyle if they were rewarded for doing so.

Most respondents (56%) agreed financial rewards, such as gift cards or significant discounts to their favorite store or website, would motivate them to make healthier choices. Free self-care/beauty products and treatments (48%), household essentials (45%), treats and snacks (42%) and cash (41%) rewards were also selected as highly incentivizing. Less motivating were concert tickets, medals, trophies and sporting event tickets (all less than 20%.)

The survey also found Americans have a hard time balancing wellness and financial priorities, and most worry that these goals are often at odds.

"The survey reinforces what we've heard directly from customers and patients - people want resources that benefit both their personal and financial well-being," said Maria Smith, vice president of payments & financial services at Walgreens. "Walgreens strives to help those we serve save money and be well. For example, the new myWalgreens Credit Card provides up to 10% Walgreens Cash rewards on purchases that support personal wellness."

Plan to spend, save and splurge Prepare for success by planning for splurges and surprise spending:

• TO SPEND: Write down everyday expenses and plan on those dollars flowing in and out of your accounts.

Examples are housing, transportation, groceries, healthcare and childcare.

• TO SAVE: Ideally, we save in three "buckets" - for emergencies (loss of work or unanticipated car repairs), for retirement and finally for splurges like a dream vacation, new piece of fitness equipment or down payment on a new home. When planned for, spending on "splurges" can be as beneficial to our well-being as anything else.

• Find and use tools that reward you for the life you live, and the life you want

No matter your goals, the path to success likely starts exactly where you are with small changes. With that in mind, look for tools that will benefit your life as it currently is, while also rewarding and incentivizing you to make daily decisions and help you achieve your goals.

Walgreens launched the myWalgreens Credit Card with this strategy in mind. Cardholders

can earn up to 10% back in Walgreens Cash rewards on better-for-you Walgreens branded purchases and everyday essentials that compare to national brands.

The myWalgreens Credit Card also delivers rewards when shopping at the grocery store, on monthly gym memberships, pharmacy purchases and medical co-pays.

• Set goals and be prepared to modify

Acknowledge and accept that the path to personal and financial wellness won't be a straight one. Identify your goal, plan your path and also be prepared to modify. Slow down when unforeseen challenges arise and ramp up your efforts when you have momentum. This might mean committing to a 15-minute walk around the block every night before signing on for a pricey gym membership, or starting a savings routine by packing your lunch each day for a month before booking your next vacation. By establishing good habits at the onset, you'll be more equipped to face obstacles that may arise.

Survey data was collected by OnePoll on behalf of Walgreens from August 18 to August 19, 2021, with a panel of 2,000 general population Americans.

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For more information on the myWalgreens Credit Card or to apply, visit Walgreens.com/ creditcard.

Source: BPT

24 | November 2021

Harris County District Attorney’s Office Fights to Combat Domestic Violence

DOMESTIC VIOLENCE By d-mars.com News Provider

U

nder the leadership of District Attorney Kim Ogg, The Harris County District Attorney’s Office is dedicated to making our community safer through evidence-based prosecution and equal justice for all. This means guaranteeing a fair process to obtain a just result for the victim, the accused and the community in every case. And though the month of October was dedicated to raising awareness on domestic violence, it is an issue impacting our community that

violation of protective order cases, bigamy, and interference with child custody cases.

For more information about the Houston Area Women’s Center, information on how to end domestic and sexual violence, and how you can support, please visit www.hawc. org. And for more on Harris County District Attorney Kim Ogg’s plan to combat domestic violence, please visit www.harriscountyda.com.

From 2019 to 2020, the Texas Council on Family Violence discovered there was a 23% increase in the number of domestic violence homicides across Texas.

The Domestic Violence Division is a professional multi-disciplinary team working together to increase the safety of victims and accountability of offenders. Our mission is to end the cycle of violence by educating and empowering families. The Domestic Violence Division staff includes prosecutors, a social service staff, investigators and administrative staff. Domestic Violence Division prosecutors handle domestic violence criminal cases with an emphasis on non-participating complainants,

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Sources: Harris County DA Houston Area Women’s Center Texas Council on Family Violence

November 2021 | 25

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26 | November 2021 REAL ESTATE

Understanding VA Home Loan Requirements By d-mars.com News Provider

T

he U.S. Department of Veterans Affairs (VA) guarantees loans made by qualified lenders for the benefit of servicemembers, veterans and their families. Fortunately, these once-limited home loans have become increasingly easy to find and remain one of the most cost-effective products on the mortgage market.

“A couple decades ago, a lot of lenders thought VA loans were too difficult to navigate,” says Rashalon Hayes, assistant vice president of field mortgage at Navy Federal Credit Union. “Today, there are plenty of lenders experienced with VA loans that can walk you through the process.” In fact, roughly 45% of the mortgages Navy Federal originates are VA loans.

Meeting VA home loan requirements can help you buy, build or renovate your home with little or no down payment.

Because the VA backs a portion of each loan in their VA Home Loan Guaranty Program, lenders can offer more favorable terms for new home purchases and refinancing.

Your Yourpath pathtotobuying buyingaahome homewith withaaVA VAloan: loan: As a longtime partner of veterans, servicemembers and their families, Navy Federal knows the VA loan process inside and out. Their experienced lenders can help explore whether you meet VA home loan requirements

and answer any questions along the way.

GET PRE-QUALIFIED FOR A LOAN. Receive a pre-qualification from your lender and begin the homebuying process.

OBTAIN A CERTIFICATE OF ELIGIBILITY (COE). This certificate from the VA confirms your military service and verifies you are eligible to receive a VA-guaranteed loan. Your lender can establish eligibility and obtain a COE for you. You can also apply online at the VA for this document.

SHOP FOR A HOME. Work with a trusted real estate agent to find a home that meets your needs and fits your budget. Navy Federal even has a unique service called RealtyPlus, which pairs homebuyers with a coordinator specially trained to support servicemembers and

their families through the buying, selling and financing processes.

SIGN A HOME PURCHASE AGREEMENT. Make sure the purchase agreement that your real estate agent drafts has a VA option clause. This clause states that you aren’t legally bound to purchase a home if the VA appraisal amount is lower than the seller’s asking price. “Some buyers worry this provision will hurt their offer, but VA loans can actually strengthen a contract offer since income is more reliable and seamless to verify,” Hayes notes.

GET A VA APPRAISAL. A VA-certified appraiser determines the home’s fair market value and looks for obviously needed repairs to ensure the property meets the VA’s Minimum Property Requirements (MPRs).

HAVE THE HOME INSPECTED. Hire a professional home inspector to check the home’s structure for defects and to inspect items like electrical wiring, plumbing, and heating and cooling systems.

SIGN THE CLOSING DOCUMENTS. After the home closing, it’s official! Congratulations on your new home. And remember: If you need to refinance your home in the future, you can use a VA loan for that, too.

Learn more about your VA loan options to see if you qualify to purchase a home with no down payment.

Source: BPT

REAL ESTATE

Five Pillars of NAREB and the Importance of Black Homeownership

By Stacy M. Brown NNPA Newswire Senior

L

ydia Pope counts among the fortunate, and she knows that.

Pope also doesn’t pull any punches when advocating for African Americans – particularly as it pertains to generational wealth.

Her father worked throughout Cleveland, Ohio, to help turn around the lives of gang members. Pope’s mother worked a lunch program that fed those individuals after her father tutored them about the importance of homeownership and generational wealth.

“My father passed away in 1991, and my mom told me that we were the second Black family to move onto our block when I was younger,” Pope, the president of the National Association of Real Estate Brokers (NAREB), said during an interview inside the television studio of the National Newspaper Publishers Association (NNPA) in Washington, D.C. “My mother told me about the real estate card she possessed that prompted her to own a home,” Pope reminisced during a conversation with NNPA President and CEO Dr. Benjamin F. Chavis, Jr. The entire conversation will air this season on PBS-TV and PBS-World during a telecast of The Chavis Chronicles.

Today, Pope’s brother owns the

family’s Cleveland home, which she said will eventually pass to his son.

“It’s all about a succession plan,” Pope stated. “This is how you build generational wealth.”

NAREBoffers offersfive fivepillars pillarstoto NAREB buildingBlack Blackwealth, wealth,Pope building Pope added. added.

The five pillars include: • Multi-generational wealth • Government relations and advocacy • Diversity and inclusion for small businesses • Women’s initiatives • Faith-based and civic engagement

for what we want. If that means going to our legislatures, that’s what we do. Our goal is to talk and advocate for the community, for those in need, for those who can’t speak for themselves. We can be the voice for them.”

Pope counts as the third woman president in NAREB’s 74-year history. She has worked in real estate since 1995 and serves as the owner and president of E&D Realty & Investment Company, Inc., and E&D Realty Property Management Division and E&D Construction Company.

According to Pope’s biography, some of her past and current accomplishments include Past President of the Women’s Council of NAREB, Mt. Pleasant Advisory Board, Ohio Housing Finance Agency Committee, Cleveland Realtist Association Past President & Chair, and the Cleveland/Akron Legislative Committee.

Pope also holds a longtime membership with the NAACP. Significantly, Pope declared that NAREB

“Even today, the rate of Black homeownership is still at 46 percent. We have not moved the needle, so it’s important that as Black people, we have to fight for what we want,” Pope exclaimed.

“When you talk about democracy and housing, it’s important that we understand that we have to continue to fight Experience Our World of Advertising, Marketing, Media and Communication

seeks ways to assist African Americans in wealth building and sustainability.

Founded in Tampa, Florida, in 1947 as an equal opportunity and civil rights advocacy organization for African American real estate professionals, consumers, and communities in America. According to its website, the purpose of NAREB is to enhance the economic improvement of its members, the community at large, and the minority community which it serves.

To unite those engaged in the recognized branches of the real estate industry including brokerage, management, mortgage financing, appraising, land development, home building, and allied fields for the purpose of exerting influence on real estate interests. Although composed principally of African Americans, the REALTIST organization embraces all qualified real estate practitioners who are committed to achieving our vision, which is Democracy in Housing. “Our mission is to provide solutions to the various challenges Black people face,” Pope stated. “It’s not just increasing awareness of the barriers to homeownership, but we want to provide solutions to all of the challenges, and educating our community is one of the biggest ways we at NAREB can have a positive impact.”

Source: National Newspaper Publishers Association

November 2021 | 27

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28 | November 2021 REAL ESTATE

Understanding How Homeowners Associations (HOAs) Work

By Marla Lewis President of the Houston Black Real Estate Association

I

f you plan to buy a home or condominium this year, keep in mind that the property may be governed by a homeowners association, or HOA. More than 63 million people live within communities that are overseen

by HOAs, according to the Community Associations Institute. That means 24 percent of U.S. homes are part of community associations.

Many buyers appreciate the benefits provided by HOAs, but the mandatory dues and covenants, conditions and restrictions (CCRs) occasionally rub some people the wrong way. Before you make an offer on a property governed by an HOA, here are some factors to consider.

Whatdo doyou youget getfrom fromthe theHOA? HOA? What Homeowners associations often provide access to amenities that individual residents couldn't otherwise afford – pools, gyms, tennis courts, walking trails – and their rules can protect property values.

Some associations also take on services traditionally provided by government, such as trash pickup, landscaping, street lighting and street and sidewalk maintenance.

Your perfect condo may have a great

pool or your dream home might be sitting on the first tee, but remember that those things are only part of the HOA's scope.

When you purchase a property governed by an HOA, you enter into a legal contract with the association. You agree to abide by the association's regulations and pay its dues. In exchange, you get a community guided by an HOA and the access to its facilities and perks.

Readbefore beforeyou youbuy buy Read Make sure that any uses or freedoms you expect to come along with your property are allowed in the Covenants, Conditions & Restrictions (CCRs). Want to store your boat trailer in your driveway?

The association's CCR s may not allow that. Want to paint the house?

Some HOA s have restrictions on permissible colors, so check the palette allowed by the association.

You may have heard horror stories of home repossessions and other legal squabbles involving property owners and HOAs. A common theme among many of these

cases is homeowners not understanding the regulations or ignoring them. Review the CCRs carefully before you purchase the property and you'll be much less likely to run afoul of your HOA.

Inquireabout aboutdues dues Inquire HOAs run on dues, your annual fee for living in the community. These fees can range from $100 to thousands of dollars, depending on the neighborhood or building and what amenities it offers.

Ask how much the dues are and if they've increased during the past few years.

Find out what the dues cover and what they don't.

For example, your condo association may p e r f or m a l l exterior maintenance. That means when the roof leaks, your dues pay for its repair, even if you live on the ground floor of a three-story building. If you live on that third floor, however, you don't have to pay to repair the entire roof yourself. If the association manages a pool, you're paying for it, even if you can't swim and never use the amenity.

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Who's Who’sinincharge? charge?

When you review an HOA's documents, be sure to inquire about its finances. Is the HOA solvent? Does it have a reserve fund? Who controls the money? What kind of oversight is that person subject to?

Find out who manages the HOA and what role residents have in its governance.

There may be a board or other group of property owners who manage the association. Take some time and talk to people who currently live in the community.

How do they feel about the neighborhood, development or building? Find out their impressions of how the HOA is run.

Perform due diligence before signing a contract to purchase a property governed by a homeowners association. You will be able to make an informed decision about the HOA's pros and cons, as well as your responsibilities, without jeopardizing the transaction or subjecting yourself to regulations that aren't consistent with your lifestyle.

For expert advice about HOAs and all kinds of information about owning, buying or selling a home, ask your realtor and visit HAR.com. And for more about the Houston Black Real Estate Association, please visit hbreahouston.org.

Content provided and distributed by the Houston Association of REALTORS®.

November 2021 | 29

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30 | November 2021 TRAVEL

3 Tips for Vacationing Safely With Your Family sanitizing wipes can give you peace of mind.

Frequently cleaning high-touch surfaces and objects including door handles, TV remotes and your phones can help improve hygiene for you and your family.

By d-mars.com News Provider

W

hile the pandemic caused many people to have to cancel or postpone their vacation plans over the past eighteen months, travel has resumed again across the country. If you're considering taking a trip sometime soon, it's a good idea to make sure everyone in your group knows the best ways to stay safe - and how to pack and plan your trip while keeping health top of mind.

Here are some tips for making sure your next adventure goes off without a hitch, and that you're prepared for any changing conditions that may occur while you're away from home.

2.2.Research Researchhotels hotelsand andentertainment entertainmentvenues before you bookyou book venues before

Packenough enoughsafety safetygear gearfor foreveryone everyone 1.1.Pack No matter where you're headed or what the state of travel may be right now, make sure you're ready in case of any unforeseen changes that may occur.

Pack enough of these items for everyone:

• Well-fitting, high-quality masks. Depending on your family's situation, you may feel more comfortable wearing masks in crowded places - indoors or out.

Public transportation services, as well as many public venues and private businesses, may also require that you wear masks, so you'll want to be sure you have at least two per family member packed and ready to bring with you on your excursions.

• Hand sanitizer. It's a good idea to carry small bottles of hand sanitizer containing at least 60% alcohol with you, in case you won't have access to soap and water when you need to wash your hands. Make sure to supervise children so they use it correctly, and keep out of reach of young children.

• Cleansing wipes. To help keep your surroundings and personal belongings clean wherever you go,

Is the Daily Commute Back?

Survey Reveals New Driving Trends By d-mars.com News Provider

A

mericans' relationship with vehicles turned in a new direction over the last year and a half, and it is evolving yet again. As vaccination rates increase, restrictions ease and a sense of "normalcy" returns, new research is revealing trends in the way drivers view, depend on and take care of their vehicles.

The daily commute is back, but routes are changing According to Hankook Tire's latest Gauge Index survey in late spring 2021, while 45% of people say they are driving every day (more than twice as many as this time in 2020), they are going to what were previously

While planning your vacation, make sure to check the websites (or call) for any places you plan to stay - this includes airlines, tourist attractions or other businesses you plan to visit. Find out their current health and safety policies and procedures to be sure you are in compliance.

It can also be reassuring to know that the places you'll visit - and especially where you'll be sleeping, whether overnight or for several days - are clean and following appropriate sanitation measures.

For example, at Innisfree Hotels in Florida, the national hotel management group has publicized its proactive approach to health and safety in its fifteen waterfront properties, including but not limited to: • Springhill Suites/Courtyard Amelia Island • Hilton Pensacola Beach • Beachside Hotel and Suites Cocoa Beach • Hampton Inn and Suites Panama City Beach

• Holiday Inn Resort Fort Walton Beach

Innisfree's strategies, which are used to ensure guest health and safety, include increased daily cleaning and sanitizing procedures. The company is also requiring that all of their approximately 2,000 team members (with approved exemptions) be fully vaccinated against COVID-19 by October 15 - and that new hires must have received their first COVID-19 vaccine prior to their first day of employment.

"From the onset of the pandemic, our decision-making process has been driven by health, safety and scientific evidence," said Ted Ent, president and CEO, Innisfree Hotels. "This resolution comes as a response to the stark rise in cases among the unvaccinated and the spreading Delta variant. With this requirement, we intend to better protect our staff and guests from exposure to COVID, staying true to our core value of helping those who help us."

Check out all the Florida locations where you can soak in the sun at InnisfreeHotels.com.

Practicesocial socialdistancing distancing 3.3.Practice To lower your risk of infection, the Centers for Disease Control and Prevention (CDC) recommends avoiding crowds, and staying at least six feet (about two arm lengths) away from anyone who is not traveling with you. Outdoor venues or activities are also considered to be lower risk than indoor activities. If you or a family member is feeling sick, it is recommended to stay home and avoid being around other people to stop the spread of any illness.

Keeping these tips in mind will not only help you feel good that you're taking the proper health and safety precautions - but will ensure a more carefree travel experience as you set off to some of your favorite vacation spots this year.

Source: BPT

TRAVEL

considered "usual places" less often.

The survey found that one-third of drivers still say they are heading to the office or school much less often than before (33% and 36%, respectively).

But the daily drive isn't the only thing that has shifted. The lasting economic impact of the pandemic combined with increased availability of in-home entertainment and food delivery apps could factor into a more permanent shift in how people are engaging with social, shopping and entertainment options. Most Americans point to curbside restaurant service (46%) and grocery pickup (45%) as the pandemic-driven services they would most like to see stay. Entertainmentbased outings are still at lower levels, too, the survey found. Sixty-one percent of people say they are driving to events much less often than prior to the pandemic, and 5 4% s ay the same for restaurants.

While that could be a ripple effect

of continued event cancellations, it may also speak to a longer-term trend as lifestyles have shifted.

Dependence on car travel is growing One in five (19%) Americans bought a new - or used - car because of the pandemic. This emphasizes another trend the latest research unveiled: a steadily growing dependence on vehicular transportation.

Understandably, the pandemic changed the way many viewed highly crowded mass transit options. And while air, train and public transportation seems to be quickly gaining steam again, most (78%) Americans still rank automobiles as the mode of transportation they are most likely to use through the end of the summer.

That includes using cars for travel, too.

Seventy percent of those planning travel anticipate using a car as their primary method of getting to their destination.

Key factors behind the decision include

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flexibility (49%), an added feeling of safety over other forms of transportation (45%), in addition to general preference (47%).

However, car maintenance skills still need some tuning up Despite this increased dependence on cars and road travel, the survey found that while many Americans have the equipment to handle an on-the-road emergency, they don't necessarily know how to use it. For example, two-thirds (64%) of drivers own a tire jack, but 20% don't know how to change a tire.

However, it is promising that most people (77%) owned their car maintenance tools prior to the onset of the pandemic. Perhaps the next evolution of Americans' relationship with vehicles will be ensuring they're kept in tip-top shape, for whatever the road ahead may bring.

Looking down that road, Hankook will continue to monitor the shifting landscape, as, due to the uncertainty of the pandemic and varying local restrictions, these trends may change in the future.

Source: BPT

November 2021 | 31

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