Business Journal 191st

MR. D-MARS

PUBLISHER’S MESSAGE

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 The Houston Area Urban League as they prepare to host their National Urban Association Conference July 26-29. Under the leadership of President Marc H. Morial and the Houston Chapter President Judson Robinson III, the goal is to educate, inform and galvanize the minds of those in business and leadership roles. The nonprofit organization’s commitment to help others has remained steadfast for years and will continue to be innovative for the sake of serving.

It’s important to remember that progress and positive change often require

planning, hard work, and overcoming obstacles. With a collective effort and partnership, we can make a difference in the places where we live and work. Thank you for your continued support, and I look forward to working together to make positive things happen.

The community served by the HAUL has experienced a substantial transformation due to its efforts. It has aided numerous individuals and families in attaining self-sufficiency in their finances and enhancing their overall well-being. The programs offered have played a vital role in enhancing employability, fostering better understanding of financial matters, and increasing accessibility to affordable housing and healthcare.

OUR SERVICES

PUBLISHER & CEO

Keith J. Davis, Sr.

CHIEF OF STAFF & MANAGING EDITOR

Kimberly Floyd

EXECUTIVE ASSISTANT TO PRESIDENT & OPERATIONS MANAGER

Dr. D’Yonne’ Browder

ASSOCIATE EDITOR

Émil Flemmon

ACCOUNTING MANAGER

Eugenie Doualla

SENIOR GRAPHIC DESIGNERS

Emma Aguiñaga

Kendra Wiseman

WEB & GRAPHIC DESIGNER

Edward Sanchez

SR. BUSINESS DEVELOPMENT MANAGER

Chivon Jones

PHOTOGRAPHY

Grady Carter

L.C. Poullard

DISTRIBUTION

Mike Jones

CONTRIBUTING WRITERS

d-mars.com

Stacy M. Brown

“Everyone can be great, because everyone can serve.” — Martin Luther King Jr.

4 COMMONLY OVERLOOKED COVERAGES FOR BUSINESS OWNERS

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It’s that time of year again. Time to renew the commercial insurance policy for your business. When it comes to commercial coverage, liability and property coverages are common but sometimes they’re not sufficient to protect your business from common risks.

We’re seeing several claims from business owners who incorrectly assumed that their traditional policies covered them for things like cyber breaches or employee theft, says Brittney Passini, commercial lines product director with Acuity Insurance. “Unfortunately, that’s not always the case.”

With 2022 Acuity data showing commercial claims at a five-year high - up about $3,000 per claim from 2021 and record inflation squeezing businesses tighter - it might be beneficial to put more thought into your commercial coverage this year.

As you think about renewing your insurance policy, consider these four commonly overlooked coverages:

CYBERSECURITY

With larger businesses investing in cybersecurity tools, hackers are increasingly targeting small and medium-sized businesses. In 2021, the FBI’s Internet Crime Complaint Center received 847,376 complaints about cyberattacks and malicious cyber activity with nearly $7 billion (about $22 per person in the United States) in losses, most of which targeted small businesses.

Cybersecurity insurance typically packages cyber liability and data breach coverage. Cyber liability coverage pays if you’re liable for unintentionally spreading malware, and data breach provides coverage to respond to accidental loss or release of customers’ personal and identifying information.

BUSINESS INCOME AND EXTRA EXPENSE

After a fire, windstorm or other property loss, a business owner’s immediate focus is usually on repairing buildings and replacing lost inventory. Until those repairs are made and customers start coming back in the door, retailers also may suffer loss of income. This loss of income is not normally covered by a basic business property policy. Business income coverage helps bridge the gap, and extra expense coverage pays for added costs needed to resume operations. Without these additional coverages, businesses that endure a property loss may not have enough capital to keep their business running. While property insurance covers the physical damage, business income and extra expense coverage helps bridge the gap by providing funds to replace the income that is lost while the physical property damage is being restored as well as cover additional expenses, such as rent.

PEAK SEASON

While these busy seasons can vary depending on your industry, most businesses experience a few months each year that are busier than most. While some businesses carry extra inventory or have extra staff on hand during these busy months, many business owners overlook these times when setting limits on their property policies. Peak season coverage increases the limit of your business personal property during these times, without needing to carry a higher limit all year.

Ultimately, Passini recommends a collaborative approach to ensure your business is adequately covered.

“Don’t fall into the trap of making assumptions about coverage,” Passini says. “Work with an independent insurance agent who’s dedicated to understanding your business and can provide the right coverages, limits and discounts to fit your business’s needs.”

Source: BrandPoint

Old Folks Saying

A HIT DOG WILL HOLLER

EMPLOYEE DISHONESTY

A recent study from Zippia shows that 75% of all employees steal at least once, including cash, merchandise, and business property. The same study shows that an average of 5% of an organization’s revenue is lost each year due to employee theft, which isn’t covered in typical business property policies. Employee dishonesty coverage protects you against employee theft of money, securities, or property.

Often, we are not fully knowledgeable of a person’s trigger points or defense mechanisms. So, whenever we hear the phrase, “a hit dog will holler,” it’s a telltell sign that whatever has been said or action has been done, only the affected ones will respond with the loudest roar.

ARE YOU APPREHENSIVE ABOUT ASKING FOR A RAISE AT WORK? CHECK OUT THESE RECOMMENDATIONS TO EASE YOUR FEARS

other hand, if the company is thriving and has recently achieved success, it could be a favorable time to discuss a salary increase.

ANNUAL REVIEWS AND PERFORMANCE EVALUATIONS: Take advantage of annual performance reviews or evaluations as a natural opportunity to discuss your salary. These reviews often serve as a platform for discussing career progression and compensation. If your company follows a structured review process, it’s advisable to align your request with these evaluations.

SIGNIFICANT CONTRIBUTIONS OR ADDED RESPONSIBILITIES:

If you have taken on additional responsibilities or made significant contributions to the company, it can be a suitable time to ask for a raise. When you can clearly demonstrate the increased value you bring to the organization, it strengthens your case for a salary increase.

POSITIVE WORK ENVIRONMENT AND OPEN COMMUNICATION:

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When should you ask your employer for a raise? The timing for asking your employer for a raise can vary depending on several factors. Here are some considerations to help you determine the right time to approach your employer:

PERFORMANCE AND ACHIEVEMENTS: Evaluate your performance and accomplishments within the company.

It’s important to have a track record of delivering exceptional work and achieving significant results before asking for a raise. Demonstrating your value and contributions can strengthen your case for a salary increase.

TIMING AND COMPANY PERFORMANCE: Consider the financial health of your company and its recent performance. If the company is going through a difficult period or experiencing financial challenges, it might not be the best time to ask for a raise. On the

MARKET RESEARCH AND SALARY COMPARISONS: Conduct thorough research on the market rates for your role and industry. Look for salary guides, industry reports, or websites that provide salary benchmarks to understand the average compensation for similar positions. This information can give you leverage when discussing your salary expectations with your employer.

It’s beneficial to work in a positive and collaborative work environment that fosters open communication. If you have a supportive and approachable relationship with your supervisor or employer, it becomes easier to discuss sensitive topics like salary. Building trust and maintaining open lines of communication can contribute to a more productive conversation about your compensation.

Remember, each situation is unique, and the timing for asking for a raise can vary. Assess the factors mentioned above and choose a moment that aligns with your accomplishments, company performance, and open communication channels to maximize your chances of success.

Source: StatePoint

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3 WAYS PEOPLE OF ALL AGES CAN MAKE THE MOST OF INTERNATIONAL YOUTH DAY

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August 12 is International Youth Day, a United Nations effort to celebrate youth activists, combat ageism and help bridge gaps between generations working toward the same change.

No matter your age, it’s likely you’ve questioned your ability to make a difference. Research from the global nonprofit Points of Light shows that 73% of people believe that volunteering is more important than ever, yet 66% think they can’t make a big impact in their communities. Activists on the ground prove otherwise. That’s why Points of Light, which is dedicated to inspiring and equipping people to act, has recognized thousands of volunteers for their contributions to their communities through The Daily Point of Light Award.

of thousands of in-persons and virtual volunteer opportunities.

The power of volunteering is apparent when considering Daily Point of Light Award honoree Nate Buescher, a high schooler who prepares food for a local food pantry and distributes home-cooked meals to tent cities around Chicago. Buescher began fighting food insecurity at age 7 with the Honeycomb Project. Today, he mentors younger volunteers while maintaining his own service projects.

VOICE

The youth voice is vital, pointing us to which concerns are most important to future world leaders and helping broaden perspectives. Use your voice to advocate for causes you care about by posting on social media, attending a rally, or contacting a government leader. Adults can amplify youth voices by sharing with their

Points of Light’s research found that Gen Z is the most civically engaged generation to date. Our youth honorees demonstrate that people of all ages can strengthen communities and solve persistent problems, says Diane Quest, interim CEO, Points of Light.

To inspire you to action this International Youth Day, the organization is sharing the stories of youth honorees, along with three elements from The Points of Light Civic Circle®, a framework for helping individuals get civically engaged:

VOLUNTEER

Nonprofit organizations and NGOs need volunteer power to deliver support to the communities they collaborate with. If you’re an adult wanting to facilitate youth volunteerism, consider organizing a youthspecific event or helping transport the young people in your life to an event. To find a volunteer opportunity that aligns with your interests and availability, check out Points of Light Engage, a database with hundreds

networks or organizing forums for youth to be seen and heard.

Seventeen-year-old Daily Point of Light Award honoree Maanit Goel used his voice when organizing a rally of fellow activists on the Washington State Capitol steps to support legislation protecting the Chinook salmon and orca populations. He also regularly addresses state legislators, and travels statewide to speak to K-12 students about environmental issues.

LISTEN AND LEARN

Social justice and environmental issues are nuanced, involving many people with different perspectives shaped by their own experiences. Listening and learning is one way to honor others’ lived experiences and get a fuller scope of an issue.

Young people can commit to thoroughly researching causes they care about, talking to those working toward solutions and holding space for those impacted. Adults can connect with the young people in their lives, inviting dialogue that allows for sharing different perspectives and finding common ground.

These are the driving ideas behind the work of high schooler Kristie To, who became a leading force in Asian American racial justice when she founded Hearts Against Hate. Among the initiatives of her nonprofit is distributing Asian history and Asian American Pacific Islander civil rights curriculum to children.

“Cultural sensitivity starts with exposure, and that’s what we’re trying to do with these elementary schoolers,” says To.

To learn about other avenues for social engagement, check out the Points of Light Civic Circle by visiting pointsoflight.org/civic-circle.

“There are many formal channels for civic engagement, but simple actions make a difference too,” says Quest. “Whether it’s carrying groceries in for a neighbor or donating books to the library, the important thing is to get started when you see a need in your community.”

Source: StatePoint

FUTURE BANKERS AT TSU ACHIEVE 100 PERCENT PASS RATE ON INDUSTRY EXAM FOR THIRD CONSECUTIVE SEMESTER

“This is a commendable academic achievement,” said Dr. David Yen, dean of TSU’s Jesse H. Jones School of Business.

It represents the teaching excellence of our faculty and our student learning abilities. This achievement will certainly enhance our students’ future success in the financial industry. The RMA certification puts our students a step ahead of others, and it will stand out as they are considered for employment – banks and other financial institutions look for individuals with this certificate.

a formal curriculum, interaction with executives and industry mentors, and commercial banking internships.

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Students in Texas Southern University’s Future Bankers Leadership Program (FBLP) achieved an impressive 100 percent pass rate for a key professional certification exam – giving them a distinct advantage as they pursue careers in the finance and banking industry. This marks the third consecutive semester the entire FBLP cohort has passed the exam.

The Risk Management Association Credit Essentials Certificate (RMA CEC), which is tied to the program’s curriculum, helps students immediately distinguish themselves in a highly competitive field. The exam covers a variety of subjects, including cash flow, financial statements, projections, management, strategy, customer relations, credit, documentation, and tax returns.

The students earned the RMA CEC by scoring an 80 or higher on the rigorous 80-question test.

ARE YOU DOING ENOUGH TO MAKE YOUR WORK ENVIRONMENT A HAPPY ONE?

The Future Bankers Leadership Program began in fall 2021 and has received significant financial support from a wide range of partners within the banking/ financial industry and foundations.

One of the strategies for student success is to have industry-recognized credentials such as the RMA CEC embedded in select courses of the program, making graduates very attractive to potential employers.

For more information about the FBLP program, please visit the program web page or contact Muriel Funches, executive director of advancement at the Jesse H. Jones School of Business, at Muriel.funches@tsu.edu.

Source: TSU

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Amid the Great Resignation, the pandemic-era phenomenon of employees leaving their jobs, new research studying employees in the United States, the United Kingdom, and Ireland are shedding light on how employers can retain their staff and keep them happy.

UNLEASHING THE HUMAN ELEMENT AT WORK

Transforming Workplaces Through Recognition,” a new research report by Gallup and Workhuman, reveals

that currently, only about one-third of employees say their employer has a formal recognition program, and 81% of senior leaders say recognition is not a major strategic priority for their organization. Industry experts define a culture of recognition at its most basic level as one in which gratitude, praise, and appreciation are freely given and regularly received in an authentic and equitable way throughout the organization.

The data suggests that not embracing this ethos is a missed opportunity. Indeed, Gallup’s analysis of the study data shows that an organization of 10,000 people with an already engaged workforce can save

The FBLP gives TSU students direct exposure to commercial banking and introduces them to the industry through

up to $16.1 million in turnover annually when they make recognition an important part of their culture.

What’s more, employees who feel recognized are more likely to be engaged and feel loyal to their organization.

“The data clearly shows that when recognition is genuinely embedded in workplace culture, people feel its full impact – they feel seen, valued, and motivated to put in a little extra effort,” says Dr. Meisha-Ann Martin, senior director of People Analytics and Research at Workhuman.

Employee recognition doesn’t just have an impact on work performance though, it also has an insulating effect that can help shield employees from burnout and support their overall wellbeing.

More than 70% of employees who have good recognition experiences at work rate their lives more positively overall and are more likely to be “thriving” in their everyday lives compared to those who are not being fully recognized.

But Dr. Martin advises companies to consider how they go about recognizing their employees. The study found that more than half of employees who say the recognition they receive at work is not authentic or equitable are actively looking or watching for new employment opportunities. Further, two in five employees say they are not receiving enough recognition from leaders at their

organization – only a few times a year at most – when the bare minimum for positive impact is at least a few times a month.

Recognition of employees is not only useful for retention, but it can also assist with recruitment too, say, analysts. “In today’s competitive talent marketplace, the power of employee referrals cannot be understated. Yet, only 28% of employees in this study strongly agree they would recommend their organization as a great place to work. Organizations that acknowledge employees through strong cultures of recognition can boost this figure to 68%,” says Ed O`Boyle, Gallup’s global practice leader.

When organizations celebrate employees’ successes and contributions, those employees pay it forward and become brand ambassadors.

“Recognizing employees is a simple way organization can demonstrate their commitment to their employees and inspire them to feel connected, confident, and cared about, and in today’s climate, it’s no longer a nice-to have program but rather a business imperative,” says Dr. Martin.

To read the full report and learn more about Workhuman, a leading global provider of technology solutions, analytics, expertise, and services to build humancentered workplaces, visit workhuman. com.

Source: StatePoint

Texas Southern University AND TRUIST ANNOUNCE PARTNERSHIP AND GIFT

professionals and making sure the banking industry is transformed from having diverse talent on which they can count. We look forward to the work that will be done and the success that will be achieved because of the support this gift from Truist will provide.”

The Future Bankers Leadership Program began in 2021 to give business students direct exposure to commercial banking

and to introduce them to the industry through a formal curriculum, interaction with executives and mentors, and commercial banking internships.

“Truist is proud to support the Future Bankers Leadership Program at Texas Southern University,” said William Toomey II, Houston, and Central Texas Regional President at Truist.

This innovative program prepares the next generation of talent to create successful careers in banking, while ensuring their diverse lived experiences bring meaningful impact to our industry. Together, Truist and TSU’s FBLP can inspire and build better lives and communities through education and skill building.

For the third consecutive semester, the FBLP cohort has achieved a 100-percent pass rate on a key industry professional certification exam: The Risk Management Association Credit Essentials Certificate.

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Texas Southern University and Truist announced the beginning of a new partnership during a signing ceremony and check presentation. The Truist Charitable Fund approved a gift of $750,000 for the Future Bankers Leadership Program (FBLP).

“Texas Southern University is excited to embark upon this transformative partnership with Truist,” said President Lesia L. Crumpton-Young. “The Future Bankers Leadership Program has been transforming the lives of our scholars since its inception. This gift furthers our commitment to educating the next generation of banking industry

HOW TO DECIDE IF A HOME REMODEL MAKES FINANCIAL SENSE FOR YOU

“We have an outstanding Future Bankers Leadership Program at Texas Southern University that is producing diverse talent that is prepared to lead from the moment they graduate,” said Jesse H. Jones School of Business Dean Dr. David Yen. “With the support of partners like Truist, we look forward to the continued development of this program that we believe will be a model for institutions around the country.”

The Truist Charitable Fund’s gift will support the FBLP’s sustained growth.

Source: TSU

understand how a large renovation might impact your finances and the overall value of your home.”

KNOW YOUR BUDGET

Consider creating a chart with all of your cost estimates, and include columns for high-, medium- and low-cost options. Don’t forget supplies for do-it-yourself projects and always allocate a certain percentage for unexpected expenses. Also be sure to get estimates from different contractors and compare them. Carefully check references and business licenses.

EXPLORE FINANCING OPTIONS

Ideally, you’ve already established a home improvement savings plan. But if you’re planning to borrow, explore your financing options through your trusted bank or credit union.

about the right financing products for their home improvement goals.

Home renovations of any size - large or small - can be overwhelming. Consider these tips to help make it easier and more affordable in the long run.

Navy Federal Credit Union is federally insured by NCUA. Equal housing lender.

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There comes a time when every homeowner looks around at their house and ponders a few upgrades. Sometimes, those ideas turn into full-on renovations as you reimagine your space to better meet your lifestyle. But before you start calling contractors, ask yourself: Does remodeling make financial sense?

Here are three tips to help you decide if a home renovation benefits your home and your finances.

IDENTIFY YOUR WANTS VS. NEEDS

How necessary are the improvements you want? Some home projects may end up costing you more than the value they provide. That doesn’t mean certain projects aren’t worthwhile.

“Home renovations come in all shapes and sizes. For some, it may be about the investment and increasing the home value, for a good few it might be about what looks the best, while others might not have a choice,” said Adam Fingerman, assistant vice president of equity lending at Navy Federal Credit Union. “Whatever the reason, it’s always a good idea to

Source: BrandPoint Think about the size of your project, whether or not you’ll have ongoing expenses, and your current finances,

said Fingerman.

For example, Navy Federal offers members various options for funding home improvement projects, such as home equity loans, home equity line of credit or personal expense loans. Members also have access to a wealth of information to help them make informed decisions

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.”

GOT RETINAL DISEASE? RETINA SPECIALISTS’ UNIQUE IMAGING TOOLS CAN HELP PRESERVE VISION

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Advances in early detection and treatment of retinal diseases made possible by retina specialists can preserve sight and virtually eliminate vision loss from conditions such as agerelated macular degeneration (AMD), diabetic retinopathy and retinal detachment. People who are at risk or experience symptoms of a retinal condition should visit a retina specialist’s office which is equipped with cutting-edge imaging technologies, allowing for earlier diagnosis, closer monitoring and breakthrough treatment approaches that can help save sight.

According to the American Society of Retina Specialists (ASRS), advanced imaging techniques and technologies a patient may encounter during a visit with a retina specialist include:

INDIRECT OPHTHALMOSCOPY

A diagnostic technique used to examine the back of the eye, including the retina, optic nerve and blood vessels. During the exam, the retina specialist shines a bright light into the eye from a special head-mounted device. The retina specialist then uses another lens, called a handheld lens, to magnify the image of the back of the eye and examine it in detail.

FUNDUS PHOTOGRAPHY

Fundus photography and ultra-widefield fundus photography use a specialized camera with a lowpower microscope to capture a series of highresolution images of the fundus, or back of the eye including the retina and macula, while a patient’s eyes are dilated. During this painless test, the patient is seated in front of a specialized camera and looks straight ahead while a bright light is shone

into their eye. The camera then takes multiple images of the back of the eye, which are reviewed by the retina specialist for any abnormalities or signs of disease.

OPTICAL COHERENCE TOMOGRAPHY (OCT)

A non-invasive imaging technique that uses waves of light to capture individual images of crosssections of the retina giving retina specialists a three-dimensional look at its structures and the ability to measure the retina’s thickness. During the test, the patient is seated in front of a machine that looks like a camera and asked to rest their chin on a support to keep their head still. The patient’s eyes are then scanned with a special light, which captures images of the back of the eye. The results are available immediately, which allows for prompt diagnosis and treatment.

OPTICAL COHERENCE TOMOGRAPHY ANGIOGRAPHY (OCT-A)

A novel, non-invasive technique, OCT-A allows a close, three-dimensional look at the blood vessels and blood flow inside the retina and surrounding tissues. The resulting images may be in color or black and white. During the procedure, the patient is seated in front of a machine that looks like a camera and asked to rest their chin on a support to keep their head still. The patient’s eyes are then scanned with a special light, which captures images of the back of the eye, including blood vessels and blood flow.

FLUORESCEIN ANGIOGRAPHY/INDOCYANINE ANGIOGRAPHY (FA/ICG)

A diagnostic technique that uses a dye injected into the bloodstream and a highly specialized camera to record blood flow within the retina and the rest of the eye. After a patient’s eyes are dilated, a small amount of dye is injected in the arm or hand.

The patient is positioned in front of a specialized camera and looks at a series of bright lights while a series of pictures are taken which show the dye as it moves through the blood vessels in the retina.

OPHTHALMIC ULTRASOUND

Ophthalmic ultrasound or eye ultrasound uses high-frequency sound waves to create images of the structures inside the eye. During the noninvasive test, a probe is placed on the eye or eyelid and the patient may be asked to move their eye in different directions. Ophthalmic ultrasound is useful in diagnosing and monitoring various eye conditions, including retinal detachment, vitreous hemorrhage, tumors and other abnormalities.

Retina specialists have access to highly specialized imaging equipment right in their office, allowing patients to have all tests and imaging done to track the progress of their retinal condition in one location, eliminating the need to travel to a different medical office or clinic,

said Philip J. Ferrone, M.D., FASRS, president of the Foundation of the American Society of Retina Specialists. “Our goal is to reduce the burden on patients and their families and provide a one-stop shop for diagnosis, monitoring and treatment for everyone facing a retinal condition.”

For more information visit: www.SeeforaLifetime.org.

Source: BrandPoint

HAIR THINNING BECAUSE OF MENOPAUSE? THESE TIPS CAN HELP

says author and renowned natural physician, Dr. Fred Pescatore. If you are going through menopause and you notice your hair is thinner, you’re not alone. Studies show more than half of women over age 50 will experience thinning hair and one reason may be declining estrogen (hormone) levels that are associated with menopause.

“Changes in hair health and appearance can take an emotional toll on many women, often leading to lower levels of self-esteem. My patients come to me confused, looking for solutions that are effective with minimal side effects. I direct them to lifestyle adjustments, along with a unique, science-backed natural ingredient called Pycnogenol French maritime pine bark extract.”

PROMISING SUPPORT FROM A NATURAL INGREDIENT

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Women spend up to 40% of their life in menopause and, by 2025, 1.1 billion women worldwide will be going through this transition. Menopause often brings disruptive symptoms that can impact all aspects of life, from family to work. Hot flashes and trouble sleeping are often experienced during menopause and those signs can also be accompanied by under-discussed symptoms, like hair thinning.

Hair thickness naturally decreases with age. When you add hormonal changes during menopause on top of that, many women become concerned with their hair health – from how fast it grows to how thick the hair strands are,

Pycnogenol is a natural supplement from the bark of the maritime pine tree that grows along the coast of southwest France. For decades, studies have shown its benefits for skin health and menopause. Now, new research finds it also significantly increases hair density in menopausal women.

“I’ve recommended Pycnogenol to my patients for years as a natural ingredient for menopause and beauty support, and as an important building block of overall wellness since it acts as an antioxidant, circulation booster and natural anti-inflammatory,” says Dr. Pescatore. “This new study demonstrates an exciting additional benefit of Pycnogenol. After just two months, hair density in menopausal women increased by 30%. It is simple, safe, and effective.”

HYDRATE, MASSAGE, AND A BALANCED DIET

There are other simple lifestyle adjustments that can help as well. Dr. Pescatore suggests, “Drink plenty of water throughout the day to help your scalp stay hydrated. Massage your scalp daily to enhance circulation. Eat a balanced diet to ensure you are getting the nutrients your hair follicles need, including vitamin B6, folic acid and vitamin B12.”

For more information, visit https://www.pycnogenol.com/home/.

SELF-CARE TIPS FOR MOMS AND CARETAKERS

Source: StatePoint

that smile satisfaction is one of the top three drivers of self confidence among U.S. adults. Give yourself the gift of innovative brushing technology. The iO Series 5 Rechargeable Electric Toothbrush from Oral-B, for example, allows you to personalize your brushing experience with its five smart modes: daily clean, intense, whitening, sensitive and super sensitive. No ordinary toothbrush, this one is designed to help you brush smarter and more safely. To help protect gums, a smart pressure sensor displays a red light when you’re brushing too hard and a green light when you’re brushing just right, and its dentist-inspired round brush head cleans with micro-vibrations and oscillating action. Plus, a connected app tracks brushing behavior to ensure you’re targeting all six zones of your mouth, and a vibrating timer lets you know when you’ve brushed for the dentist-recommended 2 minutes.

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Carving out some “me time” is not just good for your mental health, physical wellness, and confidence, as many moms know, it can actually make you a better parent. According to a survey of moms conducted by Hutchinson and Cassidy, those who had higher self-esteem had higher levels of perceived parenting confidence.

HERE ARE THREE WAYS TO PRACTICE SELF-CARE

1. GET SOME REST: We live in a goal-oriented society where the value of rest and relaxation is not always emphasized. Whether it’s a spa day with your best friend or curling up with a good book at home, be sure your schedule includes adequate time to recharge your batteries.

2. TAKE CARE OF YOUR SMILE: One of the best ways to foster self-confidence is with a clean, healthy smile. In fact, a 2020 Cigna Dental Report found

3. TAKE CARE OF YOUR MIND: So much of motherhood is ensuring everyone has what they need, and often, your own needs can fall by the wayside. There are many ways to take time to check in with yourself though. You could buy yourself a beautiful journal and jot thoughts down for a few minutes each evening or check out apps like Headspace, which can help get you started on meditation practice. Even a 10- or 15-minute walk at lunchtime can be a powerful mood-booster and an opportunity to reflect. You might also consider taking up a hobby that offers the chance for self-expression, such as painting, poetry, music, or crafting. When it comes to parents and caretakers, the importance of self-care can’t be overstated. Kick off new routines that boost your self-confidence and your well-being.

Source: StatePoint

TALK WITH KIDS ABOUT SUBSTANCE USE; YOU CAN MAKE A DIFFERENCE

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Did you know that the younger someone is when they start drinking alcohol or using other drugs, the more likely they are to develop a substance use disorder as an adult? And with more than 140,000 people dying from excessive alcohol use in the United States each year, according to the Centers for Disease Control and Prevention, it’s crucial for all the important people in young people’s lives - parents and caregivers, educators, and community members - to talk with them regularly about the harms of alcohol and other drug use and to look for signs that may signal they need additional support.

You can help kids understand the risks of substance use, provide them with a supportive and nurturing environment, and help prepare and empower them to make good choices - and it all starts with talking. In fact, the sooner you talk with kids about alcohol and other drugs, the greater chance you have of influencing their decisions about substance use. Substance Abuse and Mental Health Services Administration’s (SAMHSA) “Talk. They Hear You.”® campaign provides resources and tools that will help you get informed, be prepared and take action by starting meaningful conversations with kids at an early age and continuing to talk as they get older.

GET INFORMED

Before you start talking with youth about substance use, underage drinking and other drug use. The adolescent or using other drugs has especially negative consequences judgment and increased risk for injuries, violence, behavioral such as motor vehicle crashes, accidents, suicide and homicide. Use and Health from the Substance Abuse and Mental overdose deaths increased by 109% from 2019 to 2021, fentanyl, counterfeit pills, and stimulants.

You can learn more about the effects of underage drinking “ WHAT PARENTS ARE SAYING - PREVENTION WISDOM, AUTHENTICITY, parents, caregivers, and experts lending their knowledge, about youth substance use and mental health. Additional fact sheets, and brochures, provide information about the as discussion starter ideas and suggestions on what to say

INFORMED

use, it’s important to get informed about the dangers of brain is still developing, which is why drinking alcohol consequences for young people. Consequences can include impaired behavioral and academic problems, and even death due to events homicide. In addition, the 2021 National Survey on Drug Mental Health Services Administration found that adolescent largely due to opioids (90%) and illicitly manufactured drinking and other drug use by listening to the campaign’s AUTHENTICITY, AND EMPOWERMENT” podcast. It features knowledge, unique perspectives, and experiences to discussions Additional “TALK. THEY HEAR YOU.” materials, including videos, the risks of drinking alcohol and using other drugs, as well say and how to say it.

BE PREPARED

To make sure you’re prepared for these important conversations, download the “Talk. They Hear You.”® mobile app on the App Store, Google Play, and Microsoft Store. The app’s resources and tools will show you how to turn everyday situations into opportunities to talk with kids about underage drinking and other drug use - equipping you with the knowledge, skills, and confidence to start and continue conversations on these difficult topics as they get older.

The app can also help communities promote and implement the “Talk. They Hear You.” campaign locally and assist student assistance professionals, school leaders, and families in working together to support the needs of students who may be struggling with substance use, mental health, or school-related issues.

TAKE ACTION

Having short, frequent conversations with youth can have a real impact on their decisions about substance use. And lots of little talks are more effective than one “big talk.” Sitting down for the “big talk” about alcohol and other drugs can be intimidating for everyone involved.

Try using everyday opportunities to start and continue the conversation - in the car, on the bus or subway, during dinner or while watching TV or playing video games. Having many little talks takes the pressure off trying to get all the information out in one lengthy discussion, and kids will be less likely to tune you out.

During these conversations, kids may ask you some tough questions - and “Talk. They Hear You.” has tips to help you be ready to answer them. The campaign’s fact sheets and discussion starter videos show you different ways to talk about substance use and have open, honest conversations.

If you’re an educator or part of a community organization, you can use the “Parents’ Night Out” materials and discussion starter video series to host interactive, facilitator-led educational sessions on substance use prevention. User-friendly toolkits are available for download and include all the materials needed for a single hour-long “Parents’ Night Out” session, or a series of three one-hour program sessions. These toolkits contain everything you’ll need to plan, prepare and host in-person and virtual “Parents’ Night Out” events in your community. Visit the “Talk. They Hear You.” campaign website to learn more.

WHAT IF A CHILD NEEDS MORE SUPPORT?

The campaign’s Screen4Success tool, available via the “Talk. They Hear You.”® mobile app, can help parents and caregivers better understand the health, wellness and wellbeing of their children and find resources to address their needs. Screen4Success asks questions about substance use, mental and physical health, general wellbeing, and family life. This provides an easy way to identify areas where children may benefit from additional support. Parents and caregivers are encouraged to fill out the screener with their kids, as it provides opportunities for discussion now. If that’s not possible, they can send it to their kids to complete it on their own.

Pledge to start - and keep - talking with kids about underage drinking and other drug use prevention: because when you talk, they hear you!

Source: BrandPoint

For nearly sixty years we’ve provided essential care for the place we call home. Saving lives in the middle of the night at a nationally renowned trauma center.

Delivering at-risk babies against all odds, from all across the county.

You might not know our name. And that’s okay.

YOU’LL KNOW US BY THE WORK WE DO.

SHOCKING NEW STUDY: BLACK AMERICANS EXPERIENCE EXCESS MORTALITY AND YEARS OF LIFE LOST

Anew study shows that after some progress, the number of deaths and years of possible life lost among America’s Black population stopped going down and then started going up again.

The Journal of the American Medical Association (JAMA) said their results show that new ways of doing things are needed.

JAMA looked at statistics from the Centers for Disease Control and Prevention (CDC), which showed that when the coronavirus pandemic hit the world in 2020, the number of deaths and years of potential life lost went up. Compared to white people, 1.63 million more Black people died than they should have. Experts said that’s the equivalent of 80 million years of potential life during the study period, which took place from 1999 to 2020.

“After a period of progress in reducing disparities, improvements stopped, and differences between the Black population and the white population got worse in 2020,” JAMA experts wrote. “Because of the pandemic, experts stated that years of growth had ended. They said the pandemic affected Black Americans more than other groups.”

Herman Taylor, one of the study’s authors and head of the cardiovascular research institute at the Morehouse School of Medicine, said, “The study is very important for about 1.63 million reasons.”

“Real lives are being lost. Real families are missing parents and grandparents,” Taylor declared. “Babies and their mothers are dying. We have been screaming this message for decades.”

Clyde Yancy, an author of the study and chief of cardiology at Northwestern University’s Feinberg School of Medicine, told reporters that high death rates among Black people have less to do with their genes.

However, it has more to do with the country’s long history of discrimination, which has hurt generations of Black people’s chances of getting an education, a good place to live, and a good job.

Yancy said that Black areas redlined in the 1930s, meaning that mortgages and other investments were too “high risk” for them, are still poorer and sicker today.

Yancy remarked that there were also more COVID infections and deaths in ZIP codes that used to be redlined.

“It’s very clear that we have an uneven distribution of health,” Yancy said. “We’re talking about the freedom to be healthy.”

In 2021, non-Hispanic white Americans could expect to live to 76 years old, but non-Hispanic Black Americans could only hope to live to 71 years old.

A big reason for this difference is another study that showed that non-Hispanic Black babies are 2.5 times more likely to die before their first birthday than non-Hispanic white babies.

Non-Hispanic Black mothers are more than three times more likely to die from a pregnancy-related problem than non-Hispanic white moms.

Source: Stacy M. Brown, NNPA Newswire Senior National Correspondent

By Stacy M. Brown

NNPA Newswire Senior National Correspondent

The National Urban League: Empowering Communities and Changing Lives

By d-mars.com News Provider

The Houston Area Urban League, a registered 501(c)3, has been serving the Houston community since 1968. The organization’s mission is to enable Black people and other disadvantaged communities to secure economic self-reliance, parity, power, and civil rights. Through their advocacy and efforts, the organization helps address the underlying issues that contribute to social and economic inequalities, working towards a more just and inclusive society.

Judson Robinson III is a prominent figure associated with the Houston Area Urban League (HAUL). He has served as the President and CEO of HAUL since 2002. Under his leadership, HAUL has worked tirelessly to advance its mission of advocating for social and economic equality within communities.

During a recent luncheon in celebration of Juneteenth, Robinson told attendees about the importance of the league and connecting lawmakers with the socioeconomic struggles for residents.

“I’ve been trying to make sure that the Urban League was available to people,” said Judson Robinson III, the president said.

“We are located in downtown Houston, which isn’t always the most accessible location for people that need the service.” He added, “I think policy is going to be our big challenge. We’re trying to get the government to really listen to the people instead of a particular party and do what’s best for the people.”

Robinson stated that this year’s conference will be exceptionally distinctive compared to previous years due to multiple factors. Firstly, it commemorates his 20-year

tenure as the area president and CEO. Additionally, the significance of influence will be prominently emphasized throughout the event.

“This conference is set to be the largest and most influential gathering focused on civil rights and urban advocacy in the nation, “ he explained. “We’ll be bringing together leaders from the business, government, and social advocacy spaces who are dedicated to exploring critical issues impacting communities served by the National Urban League’s network of 92 affiliates across the county.”

The Houston Area Urban League (HAUL) is thrilled and privileged to announce that they will be hosting the highly anticipated 2023 National Urban League (NUL) Conference from July 26th to July 29th at the prestigious George R. Brown Convention Center. Notable speakers include Emmy-nominated producer Will Packer, U.S. Rep. Sheila Jackson and Al Green, Yolanda Adams, Benjamin Crump and more. This momentous occasion marks the return of the National Urban League Conference to Houston, a city that perfectly aligns with HAUL’s mission of empowering black Houstonians and other marginalized communities to achieve economic self-reliance, equality, and political influence. Former New Orleans Mayor Marc H. Morial has been filling the shoes of leadership since he was selected to lead the National Urban League in 2003 as President and CEO.

Under his administration, the National Urban League is presently five times bigger than they were when Morial ventured into the role. When asked why the National

- Judson Robinson III

I think policy is going to be our big challenge. We’re trying to get the government to really listen to the people instead of a particular party and do what’s best for the people.

Urban League is important for many, the president said, “We have been through the most substantial transformation of the National Urban League in 50 years, or maybe since its founding. We have completely, in the last 20 years, overhauled the organization.”

As HAUL celebrated its 55th anniversary on June 19th, they found themselves at a critical juncture at which the civil rights of underserved Houstonians were under threat. This makes the National Urban League Conference’s return to the city well-timed and invaluable. It serves as a powerful complement to the organization’s ongoing efforts to safeguard the rights and well-being of our community.

Over the past 55 years it’s been in existence, the Houston Area Urban League has established a protocol to assist underprivileged Houston residents who are at risk of having their rights violated.

More than half of the businesses within the Houston metro zone are minority owned. That number has shot up by 53 percent since 2012, per census data.

The conference benefits Houston as an entirety in that it brings together major pioneers from the trade, government and social backing segments and serves as a center for policymakers, political activists, and others to meet and trade thoughts, arrange, and create techniques

throughout the conference. Partner organizations, such as the Center for Social Justice and Education, Education and Youth Development, Entrepreneurship Center, Health and Wellness, and Housing and Social Services, will offer various services such as job training, financial education, small business development, and housing assistance.

Through hosting, HAUL aims to create a platform for meaningful discussions, innovative ideas, and collaborative solutions that will address the challenges faced by our community. They are committed to fostering an environment that encourages dialogue, empowers individuals, and promotes positive change.

With their programs being complemented by new age technology, the National Urban League has become a formidable space for advocacy and more. “The economic program we’re doing around businesses, small black businesses, housing and home ownership, workforce development and jobs and reentry is second to none anywhere in the country,” the former mayor explained. He added,

Our membership is now made up of a substantial number of people under 40 because we’ve transformed our membership with the young professionals. And our local leaders are a new generation of local leaders, a lot of them like Judson who have had prior experiences in elected office, prior experiences in business.

- Marc H. Morial

With that growth, of course, comes change and adapting to what may no longer be comfortable.

The National Urban League Conference’s comeback to Houston will be a convenient and significant addition to HAUL’s objective of empowering Houston residents and other disadvantaged communities to attain financial independence, equal opportunities, and political empowerment.

to address a wide run of issues.

Morial says the NUL is all about “economic empowerment” as a segway for jobs, housing, business. “Our goal is economic parity. You must have a goal. Voting rights is a way to achieve economic parity,” he said.

Furthermore, the organization provides tailored support to individuals in search of aid in matters such as job opportunities, academic pursuits, and various other areas requiring attention.

The establishment has had a significant impact on the community it serves. It has helped thousands of individuals and families achieve economic self-reliance and improve their quality of life. Their programs and services have contributed to increased job readiness, improved financial literacy, and expanded access to affordable housing and healthcare.

By empowering individuals from historically oppressed communities, HAUL is helping to create a more equitable and just society. Through its advocacy and programs,

“Yes, education is a way to achieve economic parity. Building businesses is a way to achieve economic parity. Closing the digital divide is a way to achieve economic parity. We have parity. We’ll have economic independence. We have economic independence. We’ll be stronger to support ourselves, our family, and our community.”

The HAUL plans to provide an array of programs and services to assist community members and their families

they are changing lives and making a positive impact on the Houston community.

To gain further insights on how to actively contribute to the transformation, visit www.nulconference.org and complete the registration process.

4 FACTORS TO CONSIDER WHEN DETERMINING HOW MUCH HOME YOU CAN AFFORD

By d-mars.com News Provider

Figuring out how much home you can afford is one of the most important questions you’ll need to answer before you begin house hunting. But as home prices and interest rates have increased in the past few years, you may be wondering how your buying power has changed.

To get a rough estimate of what you can afford, most lenders suggest you spend no more than 28% of your monthly income — before taxes are taken out — on your mortgage payment, which includes principal, interest, taxes and insurance. In addition to having a firm grip on your income and expenses, it’s important to understand the role the following factors play in how much home you can afford:

YOUR CREDIT

Lenders look closely at your credit score when determining whether you qualify for a loan. Generally, the higher your credit score the more options will be available to you, including better loan terms and a lower interest rate. Because of the large role credit plays in the homebuying process, make sure you understand how your credit score is compiled, how to get a copy of your credit report and how to build strong credit.

CURRENT MORTGAGE RATES

» It’s important to watch mortgage rates carefully, because when rates are lower you may be able to afford a larger mortgage. Although 26 million mortgage-ready potential homebuyers had the capacity to afford a $400,000 mortgage at a 3% interest rate, the total falls by 3 to 4 million with each percentage point gain, according to Freddie Mac research. In short, a small increase in rates can make a home that was once affordable, unaffordable.

» Bear in mind that similar borrowers may receive notably different rates based on the lender, so you may want to shop around to increase your buying power. In fact, you can potentially save $600-$1,200 annually by applying for mortgages from multiple lenders, according to Freddie Mac.

» Typically, homebuyers need to make a down payment of at least 3%, and generally between 5% and 20%, of their home’s purchase price to qualify for a mortgage. That means as home prices go up, so do down payment requirements. Talk to your lender about all the down payment options available and explore assistance programs.

» Each year, many state, county and city governments provide financial assistance for people in their communities who are well-qualified and ready for homeownership. Requirements vary, but if you are eligible, you could receive down payment assistance ranging from a few thousand dollars to larger amounts, depending on your needs, your qualifications and where the home is located. Additionally, many programs specifically benefit veterans, Native communities and workers employed in education, health care, law enforcement and firefighting. Your lender or housing counselor should be able to point you in the right direction of these programs.

FEES AND OTHER CLOSING COSTS

» Don’t forget that when you get a mortgage, you’ll need to pay closing costs, which likely include an appraisal fee, credit report fee, tax services fee and more. These costs will generally run between 2% and 5% of your purchase price.

» To crunch the numbers, start by using Freddie Mac’s Homebuying Budget Calculator, then learn more about the homebuying process with Freddie Mac’s CreditSmart. Visit creditsmart.freddiemac.com to get started.

If you think you’re ready for homeownership, you’ll want to work closely with your lender to determine what you can comfortably afford. It’s their job to cover all bases so that your final number is within your means and aligns with your financial goals.

Source: StatePoint

IT PROFESSIONALS: BOOST MENTAL WELLNESS WITH THESE 5 PROACTIVE TIPS

By d-mars.com News Provider

o matter your exact role in an organization, especially in small to medium-sized enterprises (SMEs), workdays can be stressful. For IT professionals at resource-constrained SMEs, every day brings new challenges and new stressors. You probably have a plan for everything - what to do if a server goes down, how to make sure employees have access to critical work resources, incident response plans for worst-case scenarios... but amid the busyness and intensity that comes with a role in IT, what’s your plan to protect your mental wellness? What are the solutions? Mental health is a complex state of being affected by multiple variables, both in and out of the workplace.

To help promote mental well-being for IT professionals and others throughout your organization, it’s crucial that everyone is offered the resources and encouragement to engage in self-care and positive work practices so everyone can thrive.

THE STATE OF MENTAL HEALTH AMONG IT ADMINISTRATORS

One of the more stressful roles in any SME is that of IT administrator. In a recent survey by CIO Insight, nearly 8 in 10 IT admins (77%) described their jobs as stressful, 1 in 4 said they’ve experienced a stress-related illness because of work, and nearly one-fourth (23%) said they clock 8-12 hours of unpaid overtime every week.

For IT admins or any other positions similar to meeting frequent deadlines, managing complicated systems, supervising teams or assisting clients, stress is bound to arise - and can lead to burnout over time. While how you’re feeling may not be a comfortable topic in the workplace due to stigma regarding mental health, there are ways your company can encourage and promote wellness among employees.

HOW TO REDUCE STRESS

To help employees better cope with stress and avoid burnout, here are proactive steps SMEs can take.

1. Encourage empathy

Understanding that everyone has mental health needs is a positive first step toward being kinder to others, and to yourself. For example, scheduling back-to-back meetings all day may not be the best use of any worker’s time - and doesn’t allow for any reflection of what’s been shared, much less giving employees a sense of control over their day. Then recognize that when someone needs a moment to take a few deep breaths before handling a difficult situation, it does not mean they’re avoiding the problem - it means they’ll tackle the problem with an attitude that is much more calm, collected and rational.

2. Recognize the importance of breaks

Taking brief moments throughout the day for some deep breathing, a meditation app or getting outside for a short walk are crucial for maintaining a healthier mental (and physical) state, which will ultimately lead to more productivity - and a lot less stress and burnout.

3.

Say goodbye to the “power through” culture

While corporate culture often celebrates those who “soldier on” despite exhaustion, this mindset is not sustainable. Ensuring that everyone is recognized for their contributions rather than their willingness to burn the midnight oil will go a long way toward preventing a stressful environment.

4. Help employees discover what supports their mental health

For some employees, camaraderie of peers and frequent social opportunities feeds their sense of well-being. For others, a quiet, calm work environment is what they need to thrive. Proven practices to help boost anyone’s overall well-being include:

• getting enough sleep

• eating well

• breaks from screen time

• reading

• listening to classical music

• practicing mindfulness

What can your company do to help ensure everyone has the ability to care for themselves through these practices?

5. Encourage everyone to use company resources

One underutilized resource is the employee assistance program, which offers a variety of resources to help employees cope with their concerns. Other resources include their healthcare benefits, which may provide access to mental health services. Reminding everyone that these services are available could be just the encouragement someone needs to use them.

To learn more on how to prioritize your mental wellness and uncover mindfulness strategies, join JumpCloud’s Tom Bridge and noted meditation expert Alexis Santos for a live event on May 18 to learn daily strategies you can use to bolster your mental health, and participate in a 5-minute meditation to help you refocus and re-center. Visit JumpCloud.com/resources/mindfulness-strategiesfor-it-mental-wellness to register.

Source: BrandPoint

THREE KEY ASPECTS OF TECH PROMINENCE IN HOUSTON

ENERGY TECHNOLOGY

Given Houston’s strong ties to the energy industry, there is a significant focus on energy technology within the city. Energy companies and startups in Houston are actively involved in developing technologies related to renewable energy, smart grids, energy efficiency, and oil and gas exploration.

HEALTHCARE TECHNOLOGY

Houston boasts a thriving healthcare sector, and technology plays a crucial role in this industry. The Texas Medical Center, the largest medical center in the world, is located in Houston and serves as a hub for healthcare technology innovation. The city’s tech industry contributes to advancements in telemedicine, health informatics, medical devices, and biotechnology.

TECH EDUCATION AND RESEARCH

By d-mars.com News Provider

The tech industry in Houston, Texas, is a growing and dynamic sector that contributes significantly to the city’s economy and innovation. The city is home to a diverse range of tech companies spanning various industries. Major companies such as Hewlett Packard Enterprise (HPE), Schlumberger, BMC

Software, and Alert Logic have a presence in Houston, contributing to the city’s tech landscape.

The rise of tech startups and innovation hubs in recent years has provided an entrepreneurial ecosystem that fosters innovation and supports the growth of startups. Organizations like Station Houston and The Cannon provide resources, networking opportunities, and coworking spaces for tech entrepreneurs. Check out these areas of tech that prove profitable economically and career wise:

Houston is home to several universities and institutions that offer tech-focused education and conduct cuttingedge research. Rice University, the University of Houston, and the Houston Community College System are among the institutions providing programs in computer science, engineering, and other technology-related fields. These educational institutions contribute to the talent pool and innovation in Houston’s tech industry. Houston’s tech community actively collaborates through events, meetups, and conferences to share knowledge and foster collaboration. Events like Houston Tech Rodeo, Houston Startup Demo Day, and various industryspecific conferences create opportunities for professionals to network, learn, and showcase their innovations. Efforts are underway to promote diversity and inclusion in Houston’s tech industry. Organizations like Black in Technology Houston (BIT-Houston) and Women Who Code Houston work towards creating more inclusive environments and providing support for underrepresented groups.

5 WAYS TO LIVE YOUR BEST TRAVEL LIFE THIS SUMMER

a travel essential. Some phone plans — like the new Go5G Plus from T-Mobile — give customers built-in travel benefits and coverage that works the minute you arrive. With free in-flight Wi-Fi and free high-speed data in more than 215 countries – the journey is seamless from start to finish and all included in the price of your monthly plan. To learn more about T-Mobile’s travel benefits and their new Go5G plans, visit t-mobile.com/ cell-phone-plans.

PACK SMART: An estimated 2.2 million bags were lost or mishandled on U.S. airlines in 2022, an increase from 1.4 million in 2021, according to the 2022 Air Travel Consumer Report. If you’re nervous about checking your luggage, place an Apple AirTag in your bag or luggage to know where it is always. Some bags, like T-Mobile’s limited edition Un-carrier On, even come packed with the tech you need to ensure a smooth trip, including a power bank and smart tag device.

By d-mars.com

News Provider

Summer travel is heating up despite packed airports, crowded destinations, and rising prices. In fact, 80% of Americans are planning to travel as much or more than they did last summer, according to a new Harris Poll survey from T-Mobile. No matter where you’re going, here’s how to watch your wallet while making the most of your adventures.

PLAN AHEAD: With international travel restrictions lifted, global bookings have surged by over 200% compared to last year, according to AAA. And some of

the most popular destinations searched for on Google Flights for this summer are London, Cancun, Paris, and Rome. If you’re planning to travel internationally and need a passport, estimated processing times are 11 to 13 weeks instead of the usual 8 to 10 due to an uptick in applications and demand. So, get going!

BE FLEXIBLE: If you can avoid traveling during peak summer travel season from mid-June through August, try booking during the “shoulder season,” which is the time just before and after. For this summer, travel experts recommend booking travel in September to reduce costs.

STAY CONNECTED: Reliable wireless when traveling is no longer a luxury, but an absolute necessity, with 95% of American travelers in the T-Mobile survey saying it’s

USE POINTS: According to T-Mobile’s Harris Poll survey, nearly half (47%) of summer travelers used miles, points, or rewards to book their summer travel this year and nearly two-thirds of all travelers (66%) rely on discounts and deals when booking travel accommodations. Certain credit cards give you points or miles to use for future travel when you sign up. If you’re a T-Mobile customer, you can save up to 40% on select hotels and car rentals by booking through T-Mobile TRAVEL from Priceline. Most bookings come with free, flexible cancellations so you can plan with peace of mind.

Americans are eager to travel this summer, and with a little planning, nothing should get in the way of some much-deserved R&R.

Source: StatePoint

FLAVORFUL CAJUN FISH

By d-mars.com News Provider

Spice up your dinner routine with our mouthwatering Cajun Fish recipe! Tender and flaky fish fillets are seasoned with a bold homemade spice blend, then baked or pan-seared to perfection, and bursting with flavor. This easy-tomake dish will transport your taste buds straight to the vibrant streets of Louisiana. With summer in session, fish is always a lightweight dish that’s easy on the belly - not to filling but just enough to keep you from overindulging.

OPTIONAL TYPES OF FISH YOU CAN USE

Catfish: A common choice for Cajun cuisine. It has a mild and slightly sweet flavor that pairs nicely with the bold Cajun seasonings.

Cod: A mild-flavored white fish that has a delicate texture and absorbs flavors well.

Tilapia: Another versatile fish that works well with Cajun flavors. It has a mild taste and a firm texture, making it a popular choice for many dishes.

Redfish: Also known as red drum, is a flavorful fish with a slightly sweet taste. It holds up well to bold seasonings.

Snapper: A firm-textured fish with a slightly sweet and nutty flavor. It can handle the intense spices.

Ground white pepper

Cayenne pepper

Garlic powder

Onion powder

Paprika

Dried thyme

Ground black pepper

Mustard powder

INSTRUCTIONS

Detailed measurements and full instructions can be found in the recipe card at the bottom of this post.

Dry the fish completely and allow the fish to come to room temperature for 15 minutes. Combine the spices in a bowl and sprinkle the spices over the fish and rub them in. Pan sear or bake.

You can adjust the spice by a controlled amount of cayenne pepper that is used in the Cajun seasoning. If you are not a fan of spicy food, you can reduce the amount of cayenne pepper or omit it altogether.

Start with a small amount of cayenne pepper and add more to taste.

DID YOU KNOW?

In 1967, the Loving v. Virginia case resulted in a U.S. Supreme Court ruling that legalized marriage between individuals of different races across the country. Since then, there has been a steady increase in intermarriage. In 2015, approximately 17% of U.S. newlyweds were married to someone of a different race or ethnicity, which is more than five times the 3% figure recorded in 1967. Among all married individuals in 2015, not just those who recently wed, 10% were in intermarriages, totaling around 11 million people.

July 26-29

We’re headed to Houston! Join us for enlightening discussions, collaborative sessions, and impactful networking opportunities as we rally together to reignite the flames of progress and unpack the pressing challenges confronting the communities we serve for a more equitable future for all.

Dynamic Plenaries + Forums

Urban League Fights for You Rally Young Professionals Forums

Women of Power Awards Luncheon

Whitney M. Young, Jr. Awards Gala

PLUS! Urban League NOW Experience & Lounge

George R. Brown Convention Center — 1001 Avenida De Las Americas — Houston, TX 77010