At the d-mars.com Business Journal, our primary mission is to uplift the Black professionals and entrepreneurs of our community. From the very beginning, we set out to make growth and economic equality a possibility for those who have been widely underrepresented in Houston.
Now, in partnership with our sister company Subcontractors USA-Texas, we’re proud to announce another opportunity for Black and women-owned businesses to make meaningful connections and get their name out there. This October, SubC-USA will be hosting its third-annual E.C.O. Summit & Expo — a prolific event for the construction industry here in Texas. E.C.O. stands for Expansion, Collaboration, and Opportunity — built on the foundation
of all aspects of the construction business coming together to do great work and improve the infrastructure of our incredible state.
If you’re in the field of architecture, construction, education, engineering, technology, oil and gas, safety, transportation, TxDOT, energy, and utility and infrastructure, you should be clearing your calendar for Wednesday, Oct. 15. This is such a rare opportunity for trailblazers and leaders of this industry to all be together in the same room with the same goal in mind.
Whether you’re just starting out in this business or have been in it for decades, you need to be there. As always, thank you for your support, and I hope to see you there!
CONTENTS
OUR SERVICES
ADVERTISING | MARKETING MEDIA | COMMUNICATION
• Business Journal
• Health & Wellness Journal
• Community Weekly Report
• Online Expert Directory
06 Small Business Owners Remain Confident Despite Trade Challenges COMMUNITY
07 E.C.O Summit and Expo Hosts: Cylenthia Hoyrd, Director, COHOffice of Business Opportunity and Michael D. Bryant, Director Civil Rights Division, TxDOT
ENTREPRENEURSHIP
08 10 Wardrobe Essentials Every Entrepreneur Should Own 09 Common Mistakes First-Time Business Owners Make
EDUCATION & CAREER
10 5 Essential Websites Every Student Should Bookmark 10 Laying the Foundation for Writing
HEALTH & WELLNESS
15 Eight Ways to Reduce Your Stroke Risk
15 5 Things You May Not Know About Kidney Disease
16 How Eating Together Benefits Your Family
17 It’s Almost Flu Season. Should You Still Get a Shot, and Will Insurance Cover It?
Beyond the Beach: 7 Exciting Experiences in the Mexican Caribbean
What to Do During Times of Economic Uncertainty
Understanding Auto Insurance for Young Adults
8 Key Steps to Buying a Home
How To Understand Your Home Energy Use - and Cut Costs
AirPods Pro 3 will be Able to Translate in Real Time
Tech Support Scams Exploit Your Reliance on the Experts
Did You Know?
Old Folks Saying
OF THE MONTH
Spice Cold Brew
• Top 50 Black Professionals & Entrepreneurs
• Top 30 Influential Women of Houston
• Business Connection • Business Development
• Business Consulting
• Graphic Design
Photography
Printing
Web Design • Online & Email Marketing • Public Relations
Social Media
Advertising
Writing
Promotional Marketing
Small Business Owners Remain CONFIDENT Despite Trade Challenges ?
By d-mars.com News Provider
Optimism for the future of the U.S. economy and business prospects is at an alltime high, according to a new survey of small and mid-size business owners.
Just one year ago in PNC’s Economic Outlook survey, a record 56% of respondents reported optimism for the future of the U.S. economy. That number jumped to 58% in the latest survey, with optimism for business prospects climbing to 84%.
In contrast is a declining number of respondents who say they expect demand or profits to increase in the next six months. Additionally, 46% of business owners say they are “extremely concerned” about inflation in the coming months, with one-third also reporting they are “extremely concerned” about the risk from higher tariffs and supplier prices.
FEARS
AROUND PRICES
The top challenge business owners are facing is uncertainty around pricing. Fifty-one percent said they anticipate price increases from suppliers. That’s up from the 45% in the spring, but down significantly from a year ago (59%). Consequently, 58% of respondents said they expected to increase prices.
Among those who expect to raise prices, 54% are attributing increases to non-labor costs – a sharp increase from the 37% who answered that way in 2024. Fewer business owners reported the cost of labor (30%), or favorable market conditions (15%) as reason to raise prices.
Tariffs are playing a key role in pricing, according to respondents. Forty-eight percent reported that they believe tariffs are leading to increased prices that suppliers are charging them. Similarly, 46% reported that tariffs contributed to their decision to raise prices they charge customers.
“It’s a bit of a roller coaster effect when it comes to opinions on pricing over the last few survey cycles,” Faucher said. “As they weigh how tariffs may impact their business going forward, it seems many business owners accept that price increases are likely, but perhaps not as definitive as a year ago.”
A PAUSE ON HIRING
As prices rise, business owners who reported planning to hire over the next six months dipped to just 13% (from 18% a year ago.) Respondents’ top hiring challenges were:
• Lack of skills or experience needed (30%)
• Lack of applicants (29%)
• Candidates’ inability to meet legal/security requirements (16%)
FALL ECONOMIC OUTLOOK BY THE NUMBERS:
• 44% of respondent believe a recession is likely in the next 12 months.
• 17% say higher tariffs have increased the level of inventory of their business. It mirrors the percentage of business owners who say tariffs have decreased their level of inventory;
• 52% say tariffs have had no impact at all on their level of inventory;
• 23% believe their cash reserves will be lower at this time next year, marking the first time in survey history that number has exceeded the percentage of respondents who feel cash reserves will be higher in a year (22%); and
• 24% believe Artificial Intelligence is the technology that will most impact their business over the next two years.
To see the full 2025 PNC Fall Economic Outlook Survey results visit pnc.mediaroom.com.
Source: StatePoint (Edited by d-mars.com)
HOST, MODERATOR & PANELIST 10:45 – 11:25 AM JOIN US OCTOBER 15TH!
BAYOU CITY EVENT CENTER | 9401 KNIGHT RD, HOUSTON, TX 77045
Cylenthia Hoyrd Director, COH – Office of Business Opportunity
Michael D. Bryant Director Civil Rights Division, TxDOT
HOST, MODERATOR & PANELIST
2:30 – 3:30 PM
10 Wardrobe Essentials Every Entrepreneur Should Own
By d-mars.com
or an entrepreneur, time and mental energy are the most valuable resources. A streamlined, strategic wardrobe removes daily decision fatigue and ensures you are prepared for any opportunity.
Here are the must-have articles of clothing every entrepreneur should own:
1. THE GO-ANYWHERE BLAZER
• For Men: A tailored blazer in a versatile color like navy or charcoal grey. An unstructured or soft-shouldered style offers comfort without sacrificing sharpness.
• For Women: A well-fitted blazer in black, navy, or cream. Look for a timeless cut that flatters your shape and can be worn with trousers, skirts, or even dark denim.
2. THE CRISP WHITE TOP
• For Men: A classic white button-down shirt in a high-quality cotton fabric. Ensure the fit is perfect across the shoulders and in the sleeve length.
• For Women: A timeless white button-down or a simple, elegant silk blouse. A silk shell is also a great layering piece under a blazer.
3. PERFECTLY-FITTED DARK DENIM
• For Everyone: Choose a dark indigo or black wash with no rips, fading, or distressing. The fit is crucial—opt for a classic straight-leg or a slim (not skinny) cut.
4. THE VERSATILE TROUSERS
• For Men: Chinos in neutral colors like khaki, grey, or navy are an indispensable staple.
• For Women: A pair of tailored trousers in black, grey, or navy. Styles like a straightleg, wide-leg, or cropped ankle pant are all excellent, professional options.
5. POLISHED KNITWEAR
• For Men: A lightweight merino wool or cashmere sweater in a crew neck or V-neck style.
• For Women: A classic cashmere crew neck or a fine-gauge knit cardigan that can be worn separately or over a blouse.
6. THE ELEVATED BASIC TEE
• Not all t-shirts are created equal. A premium, well-fitting t-shirt in a solid, neutral color (white, black, grey) is a key layering piece under a blazer for a modern, smart-casual look.
7. SMART LEATHER SHOES
• For Men: A classic pair of leather loafers, Derbies, or Oxfords in brown or black.
• For Women: Timeless leather loafers, classic pumps, or elegant block heels. Comfort is key, so ensure you can stand and walk in them for extended periods.
8. CLEAN, MINIMALIST SNEAKERS
• For Everyone: Look for simple leather sneakers in white or black with minimal branding. Keep them scuff-free and clean.
9. THE PROFESSIONAL CARRY-ALL
• For Men: A streamlined leather briefcase, a modern messenger bag, or a minimalist professional backpack.
• For Women: A structured leather tote bag or a chic, professional backpack large enough to hold a laptop and other necessities.
10. THE UNDERSTATED TIMEPIECE
• A classic watch is more than a way to tell time; it's a statement of reliability and an appreciation for detail. Choose a simple, timeless design with a leather or metal band that isn't overly flashy.
By
The allure of entrepreneurship is potent. The dream of being your own boss, bringing a vision to life, and reaping the rewards of hard work will often overshadow the inherent challenges. The journey of a first-time business owner is often riddled with unforeseen obstacles and common pitfalls. Understanding these potential missteps before they occur can make or break a business.
1. THE "IF YOU BUILD IT, THEY WILL COME" FALLACY
Perhaps the greatest misconception is believing that a great product or service automatically guarantees success. Many first-time entrepreneurs pour all their resources into developing their offering, only to neglect the crucial step of market validation and marketing.
Mistake: Assuming the market will organically discover and flock to your offering.
Solution: Prioritize market research before significant investment. Understand your target audience's needs, pain points, and willingness to pay. Develop a robust marketing and sales strategy from day one, allocating dedicated resources to it. Your product might be amazing, but if no one knows it exists, it might as well not.
2. UNDERESTIMATING THE IMPORTANCE OF CASH FLOW
Many first-time owners are overly optimistic about revenue projections and underestimate expenses, leading to a critical shortage of working capital. This isn't just about profit; it's about liquidity. A profitable business can still go bankrupt if it can't pay its immediate bills.
Mistake: Focusing solely on profit margins without understanding daily or weekly cash flow.
Solution: Create detailed financial projections, including worst-case scenarios. Build a significant cash reserve (ideally 3-6 months of operating expenses). Monitor your cash flow religiously, managing accounts receivable and payable proactively. Understand the difference between revenue and cash in the bank.
3. TRYING TO DO EVERYTHING YOURSELF
The entrepreneurial spirit often includes a strong sense of independence. While admirable, the desire to save money and maintain control can lead to founders becoming bottlenecks, burning out, and sacrificing quality in areas outside their expertise.
Mistake: Believing you must wear every hat – CEO, marketing manager, accountant, HR, and IT support.
Solution: Identify your strengths and weaknesses early. Delegate or outsource tasks that are not core to your expertise or passion. This could mean hiring part-time help, utilizing
freelancers for specialized tasks (e.g., web design, bookkeeping), or investing in software that automates repetitive processes. Your time is your most valuable asset.
4. NEGLECTING LEGAL AND REGULATORY COMPLIANCE
In the excitement of launching, legalities often take a backseat. Ignoring business registrations, permits, licenses, intellectual property protection, or employee agreements can lead to costly fines, lawsuits, and even the forced closure of your business.
Mistake: Overlooking the bureaucratic necessities and legal safeguards.
Solution: Consult with a business lawyer early in the process. Understand the specific requirements for your industry and location. Properly register your business, secure necessary permits, and protect your intellectual property. Have clear contracts for employees, contractors, and partners. This groundwork protects your personal assets and your business's future.
5. IGNORING CUSTOMER FEEDBACK (OR NOT SEEKING IT)
Your customers are your most valuable resource for improvement and innovation. First-time owners, especially those deeply invested in their initial vision, can sometimes be resistant to feedback that challenges their assumptions.
Mistake: Being too attached to your original idea or failing to actively seek constructive criticism. Solution: Implement systematic ways to collect customer feedback – surveys, reviews, direct conversations, social media monitoring. Actively listen to both positive and negative comments. Be prepared to iterate, adapt, and even pivot your offerings based on what your customers are telling you they need and want. Your business should evolve with your market.
6. EXPANDING TOO QUICKLY
The temptation to scale rapidly after initial success can be strong. However, expanding without solid operational foundations, sufficient capital, and a proven model can strain resources, dilute brand quality, and lead to collapse.
Mistake: Prioritizing growth at all costs without ensuring the underlying infrastructure can support it. Solution: Prove your business model works efficiently and profitably on a smaller scale first. Document processes, build a strong team, and secure funding before making significant expansion moves. Controlled, sustainable growth is far more valuable than explosive, unsustainable growth.
Starting a business is an exhilarating journey, a true test of grit and adaptability. By being aware of these common missteps, first-time entrepreneurs can arm themselves with the foresight and strategies needed to navigate the challenges, learn from potential failures, and build a resilient, successful enterprise. The path to success isn't always smooth, but it's far less bumpy when you know where the landmines are hidden.
d-mars.com News Provider
W1.
By d-mars.com News Provider
hile the internet can be a source of endless distraction, it's also home to powerful tools that can transform your study habits and boost your academic performance. Here are five essential websites that every student, from high school to college, should have in their digital toolkit.
WRITING AND CITATIONS: THE PURDUE OWL
The Purdue University Online Writing Lab (OWL) is the gold standard for academic writing assistance. Long before AI grammar checkers, the OWL provided clear, comprehensive guides on everything from grammar and punctuation to structuring an essay. Its most invaluable feature is its detailed guide to citation styles like MLA, APA, and Chicago. When you’re unsure how to cite a website or journal article, the Purdue OWL offers step-by-step examples that ensure you get it right and avoid accidental plagiarism.
2. MATH AND SCIENCE: WOLFRAMALPHA
WolframAlpha is a "computational knowledge engine" that can solve complex mathematical equations, balance chemical formulas, generate graphs, and provide data on a vast range of subjects. Unlike a standard calculator, its true power lies in its ability to show you the step-by-step solutions. This feature transforms it from a simple answer-finder into an incredible learning tool, helping you understand the process behind the problem, which is crucial for exam preparation.
3. STUDYING: QUIZLET
Memorization is a part of every student's life, and Quizlet makes it more effective and engaging. This platform allows you to create your own digital flashcard sets or search through millions of sets created by other students on virtually any topic imaginable. Quizlet uses learning science principles like active recall and spaced repetition to help you study more efficiently. With different modes like "Learn," "Test," and even simple games, it turns the monotonous task of memorizing dates, vocabulary, and formulas into an interactive experience.
4. PRESENTATIONS AND PROJECTS: CANVA
Canva is a user-friendly graphic design platform that empowers students to create professional-looking visuals with ease. Whether you need to design a slideshow, a poster, an infographic for a science project, or a cover page for a report, Canva offers thousands of templates and a simple drag-and-drop interface. It removes the technical barrier of complex design software, allowing you to focus on presenting your ideas beautifully.
5. RESEARCH: GOOGLE SCHOLAR
Google Scholar filters out blogs and commercial websites, providing you with a search engine dedicated to scholarly literature. You can find academic articles, theses, books, and court opinions from universities, professional societies, and research groups. It also helps you find related articles and see how many times a source has been cited by others, giving you a clue to its importance in the field. For any serious research paper, it's an indispensable tool for finding credible sources.
By d-mars.com News Provider
earning to write is one of the defining milestones of early childhood, but it doesn’t happen all at once. Children build writing skills over time. While children progress at their own pace, families can help foster early writing development.
LDr. Lauren Loquasto, senior vice president and chief academic officer at The Goddard School, and Dr. Sonia Cabell, professor of reading education at Florida State University and member of The Goddard School’s Educational Advisory Board, provide this insight and guidance for families.
EARLY WRITING MILESTONES
Writing begins in early toddlerhood, around 18-24 months. The earliest developmental milestone is when children scribble on paper with a crayon.
By 2-3 years old, children often draw shapes and narrate their writing. Parents should show genuine interest to help build confidence and interest. Ask your children to read what they write, as this helps make the connection that marks on paper represent thoughts and ideas. Encourage them to make marks on paper without constraint, allowing them to freely express themselves.
Around ages 3-5, children begin to move from making marks to handwriting. It’s vital for parents to value their
children’s writing no matter what appears on the paper and provide opportunities for them to regularly engage in writing. It’s common for letters to appear backwards or from right to left. These are not causes for concern; this is a natural part of the development process.
WRITING SUPPORTS READING (AND VICE VERSA)
Reading and writing skills develop in tandem, reinforcing each other. Through writing, children experiment with how written language works. By estimating spelling, they are
beginning to break the code of reading. Moreover, when children are composing stories, they are supporting comprehension and oral language growth, which are critical for reading development.
ENCOURAGE WRITING AT HOME
While ensuring paper and writing utensils are accessible is a start, materials alone won’t spontaneously create writing experiences. Children naturally want to engage with things they see, so parents and older siblings should serve as writing models. For example, when writing a grocery list, ask your children to write their own lists.
The development of fine motor skills is also essential. One way to do this is provide tools like chopsticks or tongs that require them to use their forefinger and thumb in a pinching motion; this strengthens the hand muscles that are used to write. As fine motor skills improve, it becomes easier to grip writing utensils and write for extended periods.
WRITING TOOLS
From apps to workbooks, countless tools and resources tout their ability to help children learn to write. Typing on a tablet or computer is no substitute for learning to write by hand. Multiple studies have shown that writing – not typing – better promotes cognitive and literacy development.
Avoid activities like workbooks that require repetitive writing of letters over and over, as this inhibits creativity and experimentation The best tools are often the simplest: a small writing utensil and a blank piece of paper.
Remember, children develop at their own pace. Provide encouragement and focus on effort, not perfection.
To watch a writing webinar featuring Loquasto and Cabell and access additional parenting resources, visit the Parent Resource Center at GoddardSchool.com
Source: FamilyFeatures (Edited by d-mars.com)
+ Get the cash flow you need to keep your business moving forward.
+ Once approved, A+Factoring advances your funds, usually within 24-48 hours.
INDUSTRIES SERVED
By Subcontractors USA News Provider
Subcontractors USA is presenting its third annual E.C.O. Summit & Expo, embracing its three pillars of Expansion, Collaboration, and Opportunity with this year’s theme of “Adapt and Overcome.”
“When I was in the military, things were always changing quickly, and one thing that we lived by was to always follow the motto ‘Adapt and Overcome,’” President & CEO of Subcontractors USA MR. D-MARS said.
ADAPTING
ADAPTING AND OVERCOMING: 2025 Subcontractors USA
To Adapt and Overcome means to adjust to a new situation or problem and then find a way to succeed in spite of it. It’s a mindset of resilience and resourcefulness, encouraging individuals to make necessary changes and find solutions to overcome challenges.
MR. D-MARS, President & CEO, Subcontractors USA
This involves making changes to your plans, strategies, or approaches to align with the current situation. It’s about being flexible and willing to adjust your course of action when necessary.
OVERCOMING
This means finding a way to succeed despite the challenges or obstacles you face. It’s about finding solutions, overcoming adversity, and achieving your goals.
In essence, “adapt and overcome” is a call to action to embrace change, be resourceful, and find ways to succeed even in the face of difficult circumstances.
In the constant-growing and ever-changing business of construction, it can be daunting to know where to begin, let alone know how to expand. That very feeling is why MR. D-MARS developed the yearly summit.
With the recent tariffs, increased cost of doing business, and constantly changing permitting processes, all aspects of this industry are learning how to navigate these new obstacles. It’s unprecedented for everyone, but that doesn’t mean you have to stop, and that doesn’t mean you can’t grow. Working to-
gether, we can expand our reach and learn from one another, because now more than ever, you need someone you can depend on.
No matter where you are, who you are, or what you do in the construction industry, you are not alone. This event serves as an opportunity for industry leaders, prime contractors, subcontractors, local agencies, suppliers, vendors, and much more to gather in one room and reach a common goal: developing the infrastructure of this great state. If you’re in the field of architecture, construction, education, engineering, technology, oil and gas, safety, transportation, TxDOT, energy, and utility and infrastructure, you need to be here.
Now is your chance to Adapt and Overcome
New & Established Businesses
Last year, Shurronda Murray, Manager, Outreach for METRO’s Office of Economic Business Opportunity, had no reservations to say “shame on you” to anyone involved in construction who did not attend this event.
Whether you’re new or established in this industry, you’ll be in a room filled with everyone you need. This ranges from those who can help you begin with the vital things like the permitting process, suppliers looking to equip you with the latest technology and innovations, and some of the biggest agencies in Texas.
Prime Contractors and Subcontractors
The relationship between prime and subcontractors is the lifeblood of the construction world. This symbiotic relationship provides both entities an opportunity to prosper, create contacts, and bolster their reputation.
Here, prime contractors will be able to meet with a plethora of subcontractors from all sectors to find the ones that best suit their needs. What better way to get to know who you’ll be trusting your business with than meeting someone face to face?
As a bonus benefit for subcontractors, they
At the Summit & Expo, we’re providing you all the resources you need, so what will you do with them?
OVERCOMING: Summit & Expo
will also learn how to get certified to work for the biggest agencies in Texas.
“(The Summit) is a tremendous opportunity for small businesses to establish relationships with prime contractors and public entity owners across multiple business sectors.” Michael D. Bryant, Civil Rights Division, TxDOT said.
Agencies and Organizations
Workshops will be held throughout the day by industry professionals and agencies like Regional Hispanic Contractor Association, MD Anderson, Port Houston, UT Health, Subcontractors USA, Texas A&M University, METRO, and more, teaching you how you can bolster your business, gain exposure, keep up to date
with industry standards, and even upcoming opportunities where you can do business with them.
Panels will be held intermittently, featuring key agencies and organizations, while moderated by some of the most prominent figures in construction. Thought-provoking and productive discussions held by the panels in the past include topics like collaboration and opportunity for major projects like Airport and Medical Center Expansion, doing business as a MWBE, and future growth and expansion.
Small, Minority, and Women-Owned Business Enterprises
Subcontractors USA built its entire reputation on raising the most underrepresented groups in our trade. If you’re an owner of a small, minority, or woman-owned business, we’re looking to get you an equal part of the game.
Not only will we teach you how to do business as an SMWBE, but we’ll also share growth strategies and offer direct contact with prime contractors and agencies.
Dedicated Networking Time
introducing yourself can be one of the most difficult parts about networking.
We will have booths and dedicated time for networking, including breakfast and lunch, that allows everyone to meet each other in a comfortable and safe environment. On top of that, everyone at the summit has the expectation that we’re all here to make valuable connections and do business. No need to fret; large agencies want to do business as much as the startup company, so stop by and give them your card.
Suppliers, Vendors, and professional Services
From permits and temps to storage and paint, we have booths for everything you need to get started on your latest project. Not only are they looking to supply you with everything you need, but they want to educate you on how to do your job efficiently, reliably, and safely.
SEE YOU THERE
The third annual E.C.O. Summit & Expo will be held on Wednesday October 15, 2025.
Where: Bayou City Event Center
Aside from finding the right people, we understand that having a conversation or even Address: 9401 Knight Rd., Houston, TX 77045
Time: 8 am – 6 pm
What to bring: plenty of business cards, notepad and pens, and anything you believe best represents your business.
EIGHT WAYS TO REDUCE YOUR STROKE RISK -NO MATTER WHAT AGE YOU ARE
By d-mars.com
troke is largely preventable. It’s often considered an older person’s illness but, although stroke risk does increase with age, it can happen at any time of life. In fact, stroke incidence is increasing among adults below the age of 55 years.
Regardless of biological or social risk factors, there are things you can do to reduce your risk of having a stroke.
ESSENTIAL EIGHT
1. Stop smoking
Smokers are more than twice as likely to have a stroke than non-smokers. Smoking causes damage to blood vessel walls, increases blood pressure, and heart rate but reduces oxygen levels. Smoking also causes blood to become sticky, further increasing the risk of blood clots that can block blood vessels and cause a stroke.
2. Keep blood pressure in check
High blood pressure damages the walls of blood vessels, making them weaker and more prone to rupture or blockage. It can also cause blood clots to form, which can then travel to the brain and block blood flow, leading to a stroke. If you’re over 18 years of age, get your blood pressure checked regularly.
our kidneys – the bean-shaped organs located near the middle of your back on either side of your spine – play a vital role in your overall health.
However, 1 in 7 Americans is living with kidney disease, which occurs when the kidneys are damaged and can’t filter blood as well as they should. Additionally, 9 out of 10 people with kidney disease are unaware they have it because symptoms often don’t appear until the kidneys are badly damaged.
A survey of the public awareness of kidney disease conducted by YouGov on behalf of the American Kidney Fund shows common misconceptions related to kidney disease. Consider these facts from “Know Your Kidneys” as a roadmap toward a better understanding of kidney disease and steps to improve health.
3. Keep an eye on your cholesterol
According to the UK Stroke Association, your risk of a stroke is nearly three and a half times higher if you have both high cholesterol and high blood pressure. To lower cholesterol, aim to keep saturated fat – found in fatty meats, butter, cheese, and full-fat dairy –below 7% of your daily calories, stay active, and maintain a healthy weight.
4. Watch your blood sugar
High blood glucose levels are linked to an increased risk of stroke. This is because high blood sugar damages blood vessels, which can lead to blood clots that travel to the brain. To reduce blood glucose levels, try to take regular exercise, eat a balanced diet rich in fiber, drink enough water, maintain a healthy weight, and try to manage stress.
5. Maintain a healthy weight
Being overweight is one of the main risk factors for stroke. It is associated with almost one in five strokes and increases your stroke risk by 22%. Being obese raises that risk by 64%. Carrying too much weight increases your risk of high blood pressure, heart disease, high cholesterol, and type 2 diabetes, which all contribute to higher stroke risk.
6. Follow a Mediterranean diet
One way to eat a fiber-rich balanced diet and maintain a healthy weight is to follow a Mediterranean diet. This has been shown to reduce the risk of stroke, especially when supplemented with nuts and olive oil.
7. Sleep well
Try to get seven to nine hours of sleep daily. Too little sleep can lead to high blood pressure, one of the most important modifiable risk factors for stroke. Too much sleep, however, is also associated with increased stroke risk, so try to stay as active as possible so you can sleep as well as possible.
8. Stay active
The NHS recommends that people should avoid prolonged sedentary behavior and aim for at least 150 minutes of moderate intensity activity or 75 minutes of vigorous intensity activity a week. Exercise should be spread evenly over four to five days a week, or every day.
The good news is that while the effects of stroke can be devastating and life-changing, it is largely preventable. Adopting these eight simple lifestyle changes can help to reduce stroke risk and optimize both heart and brain health.
Source: The Conversation by Siobhan Mclernon (Edited by d-mars.com)
1) KIDNEY DISEASE IMPACTS ALL COMMUNITIES.
It can affect individuals from all walks of life, regardless of age, race or socioeconomic status. Among those with some form of kidney disease, 6% are 18-29 years old, 19% are 30-44, 34% are 45-64 and 41% are 65 or older.
2) DIALYSIS CAN BE DONE AT HOME.
Many people are unaware that dialysis can be performed at home. In fact, less than half (45%) who are aware of dialysis believe it can be done at home, according to the survey. Home dialysis offers greater flexibility and can improve quality of life, allowing patients to maintain a more regular lifestyle by reducing required clinic visits.
There are two main types of home dialysis: peritoneal dialysis and home hemodialysis.
3) DIABETES IS THE MOST COMMON CAUSE.
Though only 33% of people surveyed identified the most common cause of kidney disease, diabetes accounts for nearly half of all cases of kidney failure (47%), according to the American Kidney Fund.
High blood sugar levels can damage the blood vessels in the kidneys over time, leading to a gradual decline in kidney function. Managing blood sugar levels through diet, exercise and medication may help prevent kidney damage.
4) MEDICATIONS CAN HELP MANAGE KIDNEY DISEASE.
While 19% of people surveyed believe diet and exercise are the only ways to manage kidney disease, various medications can, in fact, help manage the condition, stop, or slow its progression and help prevent complications. These include medications to lower blood pressure, control blood sugar levels and treat anemia and bone disease associated with kidney disease.
Patients should work closely with their health care providers to develop a treatment plan tailored to their specific needs.
5) SPECIFIC TESTS CAN ASSESS KIDNEY FUNCTION.
There are several tests available to assess kidney function and detect abnormalities early on. The most common tests include blood tests to measure creatinine levels and urine tests to check for protein or blood, which can be indicators of kidney problems. Talk to your doctor about these tests and whether they’re right for you.
Regular screening, especially for those at higher risk of kidney disease, including individuals with diabetes or high blood pressure, can lead to earlier diagnosis and intervention.
Learn how to take care of your kidney health, including taking kidney health quizzes to assess your risk, at KnowYourKidneys.org
Source: Family Features (Edited by d-mars.com)
By d-mars.com News Provider
haring a meal offers far more than a full stomach; the benefits of eating together extend well beyond the dinner table.
In the “2025 World Happiness Report,” evidence shows that sharing meals has a substantial impact on an individual’s well-being. Those who regularly eat with others report higher life satisfaction and display higher levels of social support, positive reciprocity, and less loneliness.
Learn more about how sharing a meal can improve your family’s overall well-being with these insights from the experts at the FMI Foundation and their “2025 Family Meals Barometer survey,” which delivers research, collaboration and education to address food safety, health and nutrition concerns.
CIVIL AND RESPECTFUL INTERACTIONS
S HOW EATING TOGETHER BENEFITS YOUR FAMILY
In a world full of distractions, it may come as no surprise that the “2025 Family Meals Barometer” survey found poor communication is a leading concern among parents, more worrisome than schoolwork or chores.
More than two-thirds of respondents expressed a belief that civility in America is worse today compared to 10 years ago, but 74% said family meals are a great time to have and teach respectful interactions. Frequent family meals create a safe environment for families to discuss thornier societal issues.
BETTER NUTRITION
Numerous studies have shown families who eat more meals together have healthier eating habits and better diets in general. Family meals at home typically make it easier to fill plates with food from each food group. What’s more, parents who prepare well-balanced meals and model healthy food choices allow children to mirror and adopt similar habits.
IMPROVED FAMILY FUNCTION
In the “2025 Family Meals Barometer” survey, respondents cited having more time to spend together and family meals as the top two ways they feel more connected to family and loved ones. With busy school and extracurricular schedules, many families are hardpressed to find quality time together without distractions. Gathering around the dinner table is an opportunity to connect with one another and talk about what’s happening at work, school and with friends.
BETTER GRADES AT SCHOOL
Numerous factors affect students’ academic performance, but eating together as a family helps reinforce many of the variables thought to influence student success. More nutritious meals play a role in stronger cognitive function. Multiple researchers found that children who are part of families that eat together regularly tend to have a stronger vocabulary and higher grades.
IMPROVED MENTAL HEALTH
Another way family meals benefit students at school and beyond is stronger mental and emotional health. In several independent studies, researchers found a positive correlation between family meals and self-esteem, psychosocial outcomes and other markers of mental health.
Learn how gathering around the dinner table supports your family’s nutritional, social, mental and emotional health at fmi.org/family-meals-movement
Source: Family Features
FIT’S ALMOST FLU SEASON. SHOULD YOU STILL GET A SHOT, AND WILL INSURANCE COVER IT?
By d-mars.com News Provider
or parents of school-aged children, the fall to-do list can seem ever-growing. Buy school supplies. Fill out endless school forms. Block off parent-teacher nights. Do the kids’ tennis shoes still fit?
Somewhere, at some point, you might remember flu shots. Get your flu shot. Get their flu shots. Or should you? Can you? Is that still a thing?
Amid political chatter about vaccines and the government entities that oversee them, it’s understandable to wonder where all this leaves the 2025-26 flu vaccine.
In short: Yes, the flu shot is still a thing. And these four doctors said they recommend you get your flu shot this year.
HERE ARE SOME ANSWERS TO COMMON QUESTIONS:
Q: I heard the Trump administration could be changing vaccine recommendations. Does that apply to the flu vaccine?
There have been no substantial changes to the federal government’s flu vaccine recommendation: The Centers for Disease Control and Prevention still says that people 6 months old and up should get an annual flu vaccine.
That means most insurers will cover it, and it should soon be widely available.
Q: Who should not get the flu shot?
Doctors acknowledged there are always exceptions to broad guidance. For example, people with severe allergies to flu vaccine components should not get vaccines that contain those components.
You should discuss your health situation with your physician for personalized guidance.
Q: Is this season’s flu shot different from last season’s?
Yes. The flu shot was updated for the upcoming flu season, but the changes weren’t drastic. Like last year’s flu shot, this year’s vaccine is known as a three-component or trivalent vaccine that protects against three influenza viruses — two influenza A viruses and one influenza B virus.
This season’s vaccine was altered to target a specific strain of the influenza A/H3N2 virus expected to circulate this season, said Ryan Maves, a professor of medicine at Wake Forest University and a member of the Infectious Diseases Society of America. Those changes align with what the World Health Organization has recommended.
Q: When is the best time to get vaccinated?
September, October, or early November. This allows your body time to build up its protective antibodies as flu season begins and ensures your protection doesn’t wane before it ends.
In the U.S., influenza infection typically peaks in February, so you want to make sure you’re vaccinated and your protection is still strong through February and into March, said William Schaffner, a professor of infectious diseases at Vanderbilt University Medical Center.
Q: Is this season’s flu vaccine guaranteed to protect against the influenza strain that’s circulating?
Guarantee all protection? No.
Reduce risk of death? Yes.
Similar to the covid-19 vaccine, flu vaccines are best at “protecting us from the most severe consequences of influenza,” Schaffner said. That means the flu vaccine is most effective at keeping people out of the hospital or the intensive care unit and keeping people from dying.
“A flu vaccine may not guarantee perfect protection against the flu, but skipping your flu shot simply guarantees you’ll have no protection at all,” said Benjamin Lee, a pediatric infectious diseases physician at the University of Vermont Children’s Hospital and an associate professor at the University of Vermont Larner College of Medicine.
Q: Will the flu shot be readily available this year?
All signs point to yes.
The FDA passed its formula recommendations to vaccine manufacturers March 13 — early enough that the agency expected there would be “an adequate and diverse supply.” The people and places that administer flu shots should have them soon, typically beginning in September, said Flor Muñoz, a Baylor College of Medicine associate professor of pediatrics and infectious diseases.
Q: I heard Kennedy canceled $500 million in funding for vaccine development. Could this affect future flu vaccines?
Kennedy announced the cancellation of funding for mRNA vaccine development. Some companies have been researching combined mRNA flu and covid shots, but there are currently no approved mRNA flu vaccines.
Still, experts said the federal government’s changes — funding cuts, vaccine committee purges, deviations from existing procedures — are increasing uncertainty.
Source: KFF Health News (Edited by d-mars.com)
THE POWER OF RESILIENCE: FINDING GROWTH FROM FAILURE
By d-mars.com News Provider
ailure may be an inevitable part of life, but that doesn’t make it any less painful when it does happen. It can be particularly hard facing setbacks in your 20s and 30s, since this is the first time many of us are experiencing major “failures.”
Feeling like a failure can have a major impact on mental health, with research actually linking this feeling to a greater risk of depression. This may, in turn, lead to a negative feedback loop, with people who are depressed more likely to ruminate on their failures and see themselves as a failure.
But it’s impossible to live life without ever failing, which is why resilience is key. Not only will this help you learn to cope and accept these feelings, it may also help you better get past setbacks in the future.
Resilience is the ability to maintain or regain mental wellbeing when facing adversity. Our ability to be resilient stems from three key traits: self-esteem (how we value or perceive ourselves), psychological flexibility (being able to switch our focus from painful feelings to purposeful goals), and emotional regulation (our ability to tolerate and mange upsetting feelings).
HERE ARE THREE THINGS YOU CAN DO TO BUILD YOUR RESILIENCE.
1. Get moving
Oddly enough, physical exercise can actually be really important in helping us build mental resilience.
Research has found that both aerobic and resistance exercise can lead to more positive self-esteem and body image.
Other studies have also shown that walking, running, and cycling outdoors can significantly improve psychological wellbeing and self-esteem. Daily moderate or vigorous exercise seems to have the greatest positive impact on self-esteem.
Even if you don’t like exercising or feel like you don’t have time, something as simple as a brisk walk for a few minutes outside everyday may be enough to improve your self-esteem – and subsequently your resilience.
2. Write it down
Another thing you can try doing is keeping a journal. Research shows that journaling can reduce the impact of stressful life events, as it helps us process painful emotions such as disappointment, anger, sadness, and feelings of failure. It can also help us re-frame these thoughts and feelings.
3. Get support from friends and family
Not only are close relationships important for your wellbeing, social connections are also important for emotional regulation which is another one of the building blocks of resilience.
By being able to express emotions openly to a close friend or loved one, it allows for the repair of emotional wounds. Not only that, but speaking with friends and family may also help you get practical advice or guidance with the feelings you have, alongside emotional support with what you’re going through. Being able to express and process emotions has also been linked to better wellbeing and greater resilience.
DAILY MODERATE OR VIGOROUS EXERCISE SEEMS TO HAVE THE GREATEST POSITIVE IMPACT ON SELF-ESTEEM.
If you’re not sure where to start or what to write, try gratitude journaling. This involves writing down the things in your life that bring you joy and happiness.
Studies have also found that simply writing down three things you’re grateful for everyday can have a long-lasting effect on your wellbeing and buffer against stress when you make it a daily habit.
Source: The Conversation (Edited by d-mars.com)
There are plenty of ways to discuss how you feel with friends and family. If you aren’t comfortable doing it face-to-face, you can always try sending a text. But it’s important to get your feelings out rather than keeping it in. Talking through what happened, making sense of it through a friend or family member’s interpretation, and finding some meaning in your failure can be particularly helpful in building resilience and moving forward.
While it’s probably impossible to avoid failure altogether, building mental resilience may help you overcome it more easily the next time you feel like you’ve failed at something. Even trying just one of the techniques here may have a big impact on how you cope the next time you experience failure.
TAKE A REST FROM STRESS
By d-mars.com
tress, the physical or mental response to external causes like overwhelming work assignments or difficult life moments, can add unnecessary pressure to your day-to-day. While everyone feels stress from time to time, when left untreated or unrecognized, it can begin to wreak havoc in the form of anxiety.
Consider these strategies to combat stress from the National Institutes of Mental Health.
LEARN YOUR TRIGGERS
Different events and situations cause stress for different people. Knowing what triggers your stress to kick in – mounds of office paperwork, important financial decisions, or hectic mornings, for example – can help you plan and prepare for stress-inducing moments.
EXERCISE AND EAT RIGHT
Maintaining physical health can be beneficial for mental health, too. Find time to do exercises you enjoy like walking, jogging, yoga or playing a sport. Identifying activities that bring you joy can make it easier to fit 30-60-minute workouts into your schedule without adding even more stress. Complement your workout routine with nutritional meals that
help you stay on track with your fitness goals.
PRACTICE RELAXATION
Whether you find inner peace through journaling, breathing exercises, reading, or some other form of slowing down, find what works for you and prioritize fitting it into your daily schedule. Relaxing activities help you slow down the pace of life, providing a chance to reset by doing something you enjoy.
GET ENOUGH SLEEP
A lack of quality sleep can add to stress. Creating a bedtime routine can increase your sleep habits and help you achieve the expert-recommended 7-9 hours per night. Put away electronics, which can interfere with your ability to calm your mind, and find an activity that puts you at ease like reading a book or listening to relaxing music. Ensure your bedroom is optimized for comfort by making it cool, dark, and quiet.
CREATE A NETWORK OF SUPPORT
Everyone experiences stress. Reach out to family members and close friends you can lean on in stressful and frustrating moments. Share your feelings and encourage others to do the same, which can increase trust and help everyone in your circle cope in a positive way.
Source: Family Features
HELPING CHILDREN MANAGE BIG EMOTIONS
emotion, so start with empathy, not discipline, and affirm the feelings. For example, “We all get angry sometimes,” or “It makes sense that you’re feeling this way.”
ittle children experience big emotions. When things don’t go as planned or they feel overstimulated or face new experiences, children may respond with anger and frustration, fueled by feelings of shame, embarrassment or even a sense of injustice.
Because young children often don’t have the language or regulation skills to handle these big feelings, they can result in tantrums, mood swings, rebellion and emotional outbursts, which may trigger feelings of embarrassment and exasperation for parents. Fear not; every parent has been there.
Dr. Lauren Loquasto, senior vice presi dent and chief academic officer at Goddard School, and Kelly Oriard and Callie Christensen, co-founders of berkins and authors of “All Feelings Welcome,” share guidance to help parents effectively deal with these situations.
MANAGING MELTDOWNS
Parents are most effective when they stay calm, speak quietly and move slowly. Counterbalance your child’s extreme emotion and behavior with the opposite extreme. Take deep breaths and stay near your child while the emotion dissipates.
Scolding only
Help your child label feelings and seek to understand what caused the outburst. Try “sportscasting” – objectively narrating what you see. For example, “I see you taking deep breaths. I see your cheeks are puffed up and your fists are clenched. I know your sister just took your toy and that might make you feel angry. Are you feeling angry?”
This technique can help your child associate physiological feelings with an emotional label.
Once calm, work with your child to repair and reconnect. Share your coping techniques. For example, “I feel angry sometimes. When I get angry, I like to stomp my feet and turn up my music. Do you want to try this with me?”
Model this often, either when you’re upset or as a teaching moment by pretending to feel angry. Real-life examples help normalize feelings and teach emotion regulation skills.
If you acted in a way you regret – yelling, for instance – address it by apologizing and taking responsibility. This grounding can help you and your child move forward.
TAKING PROACTIVE PREVENTATIVE STEPS
While big emotions and
corresponding behaviors are a natural part of early childhood, there are steps you can take to help mitigate future meltdowns.
Develop a routine and stick to it as much as possible. Children thrive with structure; the unexpected or unknown can lead to emotional dysregulation. That said, there will always be disruptions and transitions – some small (such as an out-of-town house guest) and some large (like moving or welcoming a new sibling). Discuss these moments in advance to help your child anticipate and prepare for the change.
Certain situations, such as the grocery store or a public event, may be triggers for children. Avoiding these situations altogether won’t help them learn, so prepare them with social scripting. Tell a story about the situation, discuss what they’ll experience and how they might feel and label the emotions. This talk can reduce anxiety, build confidence and make the situation more manageable.
Additionally, it’s important to recognize a child’s emotional state can be intertwined with yours; if you’re overwhelmed, stressed or anxious, your child may pick up on that and experience some of those same feelings. Likewise, if you’re calm, your child is more likely to be, too.
FINDING HELPFUL RESOURCES
When children are not in a heightened emotional state, reading books about characters and big emotions can be helpful. Pause and ask them what they think the character is feeling and if they ever feel that way. Consider “Hammerhead, Mad’s Not Bad” and “Felix and the Picnic.”
To access a wealth of parenting insights and resources, visit the Parent Resource Center at GoddardSchool.com. Visit Slumberkins.com for materials and resources for educators, parents, and children.
Source: Family Features (Edited by d-mars.com)
The Mexican Caribbean is known for its crystal-clear waters and white sand beaches, and there are even more experiences within its 12 regions that are just as memorable as its shores.
1. DIVE INTO CENOTES AND LAGOONS
Cenotes are natural wells that the Mayans believed were secret portals to the underworld. You can explore the magical waters for yourself by visiting the Cenotes Route of Puerto Morelos.
The Mexican Caribbean is also home to freshwater lagoons. If you’re in Bacalar, make sure to see the beauty of the Lagoon of Seven Colors. Or, in Maya Ka’an, float through the tranquil Muyil canals of the Sian Ka’an Biosphere Reserve.
2. LEARN ABOUT THE MAYAN CULTURE
Visitors can immerse themselves in the long-standing culture at one of the 19 renowned archaeological sites.
Ichkabal - an archaeological site near Bacalar - is the latest site open to the public and also happens to be one of the oldest known Mayan cities. Further south of Bacalar is Chetumal, the capital city which boasts close proximity to some of the most fascinating archaeological sites in the south of the state, making it an excellent base for exploring the ancient Mayan world.
For an immersive cultural experience, stay in the Maya Ka’an region, where you can visit the local Mayan communities that preserve their ancestral traditions and customs, such as making the huipil, a traditional garment.
3. SAVOR UNIQUE CULINARY EXPERIENCES
Visitors are invited to witness the exquisite culinary experiences and globally-inspired innovations offered by renowned chefs all around the Mexican Caribbean. For example, you can try regional specialties like lion fish in Cozumel and lobster pizza in Holbox.
Before you book your ticket, take a look at the recently unveiled 2025 Mexico Michelin Guide to find Michelinrecommended and Bib Gourmand restaurants throughout the Mexican Caribbean.
4. EXPLORE NATURAL PARKS AND MUSEUMS
Explore the beauty of the Mexican Caribbean’s natural parks like Punta Sur in Isla Mujeres, which boasts some of the best sunrises in Mexico. In Tulum, afternoons can be spent at the recently
7 Exciting Experiences in the Mexican Caribbean
By d-mars.com
News Provider
opened Jaguar Park, ideal for strolling and discovering some of the region’s incredible flora and fauna.
For the museum lovers in your group, explore the rich Mayan history and heritage at the Mayan Museum of Cancun. You can also stop and admire the pieces at Museo Subacuatico de Arte (MUSA) in Isla Mujeres, an innovative underwater museum designed to teach visitors about the region and counteract the effects of climate change on the oceans and reefs.
5. FEEL REJUVENATED WITH WELLNESS DESTINATIONS
Riviera Maya is a renowned wellness destination where you can experience peace and tranquility at a variety of resorts. Take your pick from state-of-the-art wellness facilities, yoga and massage on the sand, and temazcal - traditional Mayan sweat lodges used in ancient spiritual healing rituals.
6. FROM BOUTIQUES TO INTERNATIONAL BRANDS
Whether you’re looking for high-end fashion, luxury boutiques, or artisanal wares, you can find shopping experiences that suit your preferences in all 12 regions.
For example, if you’re in Playa del Carmen, stop by Quinta Avenida, the heart of the region’s shopping scene. This must-visit street is lined with shops and art galleries where you’ll find international brands and local boutiques and be sure to visit the nearby Artisanal Market for handmade crafts and local souvenirs. In Tulum, ecochic fashions and art can be found within the destination’s many boutiques. In Grand Costa Maya, Mahahual’s boardwalk offers a relaxed atmosphere with restaurants and small local stops.
7. GET INTO GOLF
Enjoy an unforgettable golf experience in Costa Mujeres, which boasts Playa Mujeres Golf Club to get a swing in.
If you want to hit the links yourself, head to Playa del Carmen and visit El Camaleón Golf Course. This unique golfing experience blends challenging game play with the breathtaking beauty of its surroundings.
ARE YOU READY TO EXPLORE THE MEXICAN CARIBBEAN?
For more information, visit mexicancaribbean.travel or follow on Instagram, Facebook and TikTok.
Mayan Temple Pyramid of Kukulkan
Ancient Aztec Stone of the Sun
De-Compress in Mexico
WHAT TO DO DURING TIMES OF ECONOMIC UNCERTAINTY
haring a meal offers far more than a full stomach; the benefits of eating together extend well beyond the dinner table.
In the “2025 World Happiness Report,” evidence shows that sharing meals has a substantial impact on an individual’s well-being. Those who regularly eat with others report higher life satisfaction and display higher levels of social support, positive reciprocity, and less loneliness.
Learn more about how sharing a meal can improve your family’s overall well-being with these insights from the experts at the FMI Foundation and their “2025 Family Meals Barometer survey,” which delivers research, collaboration and education to address food safety, health and nutrition concerns.
CIVIL AND RESPECTFUL INTERACTIONS
In a world full of distractions, it may come as no surprise that the “2025 Family Meals Barometer” survey found poor communication is a leading concern among parents, more worrisome than schoolwork or chores.
More than two-thirds of respondents expressed a belief that civility in America is worse today compared to 10 years ago, but 74% said family meals are a great time to have and teach respectful interactions. Frequent family meals create a safe environment for families to discuss thornier societal issues.
BETTER NUTRITION
Numerous studies have shown families who eat more meals together have healthier eating habits and better diets in general. Family meals at home typically make it easier to fill plates with food from each food group. What’s more, parents who prepare well-balanced meals and model healthy food choices allow children to mirror and adopt similar habits.
IMPROVED FAMILY FUNCTION
In the “2025 Family Meals Barometer” survey, respondents cited having more time to spend together and family meals as the top two ways they feel more connected to family and loved ones. With busy school and extracurricular schedules, many families are hardpressed to find quality time together without distractions. Gathering around the dinner table is an opportunity to connect with one another and talk about what’s happening at work, school and with friends.
BETTER GRADES AT SCHOOL
Numerous factors affect students’ academic performance, but eating together as a family helps reinforce many of the variables thought to influence student success. More nutritious meals play a role in stronger cognitive function. Multiple researchers found that children who are part of families that eat together regularly tend to have a stronger vocabulary and higher grades.
IMPROVED MENTAL HEALTH
Another way family meals benefit students at school and beyond is stronger mental and emotional health. In several independent studies, researchers found a positive correlation between family meals and self-esteem, psychosocial outcomes and other markers of mental health.
Learn how gathering around the dinner table supports your family’s nutritional, social, mental and emotional health at fmi.org/family-meals-movement
Source: Family Features
UNDERSTANDING AUTO INSURANCE FOR YOUNG ADULTS
dulthood is an exciting time, but it also means new responsibilities.
“Young adults are stepping into a world filled with opportunities and uncertainties,” said Kevin Quinn, VP, Auto Claims at Mercury Insurance. “Understanding your insurance needs is a crucial step in protecting your future.”
If you’ve been on your parents’ auto insurance and now need your own, consider these simple steps from Mercury Insurance to help you get the coverage you need.
• Review Your Current Coverage
As a starting point, talk to your parents and their insurance agent to understand what coverage you currently have.
“Knowing what coverage you’ve had under your parents’ policy helps you understand what protections you might need going forward,” Quinn said.
• Decide on Your Coverage
Understanding the different types of coverage available ensures you choose the right protection for your vehicle and situation.
DIFFERENT TYPES OF COVERAGE INCLUDE:
• Liability: Covers damage you cause to others.
• Collision: Covers damage to your car from accidents.
• Comprehensive: Covers non-accident damage (like theft or weather).
CHECK STATE REQUIREMENTS
• Every state has different auto insurance laws. Look up the minimum coverage requirements for your state or ask an agent to explain them.
GET QUOTES
Shopping around is essential. Contact multiple insurance companies to get quotes. Different companies offer various rates and discounts, so take the time to compare prices and coverage options to find the best deal.
MANY INSURERS ALSO OFFER DISCOUNTS FOR SAFE DRIVING, GOOD GRADES OR COMBINING POLICIES. BE SURE TO ASK ABOUT LOWER RATES AND POTENTIAL SAVINGS FOR:
• Good driving record
• Completing driver education courses
• Bundling with other insurance policies
REVIEW AND CHOOSE
Look over the quotes and coverage options. Select a policy that provides adequate coverage without stretching your budget too thin.
• Set Up Your Policy
Once you’ve chosen a policy, work with the insurance company to set it up. For example, Mercury Insurance has a team of agents ready to help make this process as seamless and easy as possible. Make sure you understand the terms and conditions to avoid surprises later on and contact an agent if you have any questions.
Source: Family Features
B8 KEY STEPS TO BUYING A HOME
By d-mars.com News Provider
uying a home might be the most significant financial decision you ever make. By understanding these eight key steps in the process, you can move forward with confidence, clarity and long-term success:
1. UNDERSTAND WHAT YOU CAN AFFORD
Understanding your finances may not be as fun as house hunting, but it’s necessary. Most lenders suggest spending no more than 30% of your monthly income (before taxes are taken out) on mortgage payments, including principal, interest, taxes and insurance. Your credit, current interest rates and closing costs also impact what you can afford. Freddie Mac’s Homebuying Budget Calculator is a useful resource during this step in the process.
2. EXPLORE DOWN PAYMENT OPTIONS
Certain mortgage products allow you to put down as little as 3%. However, if you make a down payment of less than 20%, you may have to pay for private mortgage insurance until you reach 20% equity in your home. Knowing the possibilities for funding your down payment, beyond personal savings, is also helpful.
3. FIND YOUR TEAM
Having the right people by your side makes homebuying more enjoyable and less stressful. This team may include a housing counselor, real estate agent and lender.
4. FIND THE RIGHT HOME
To find the right home, assess the property based on factors like its proximity to certain school districts, public transportation and your job. Then consider what type of home you
want to live in. Include your must-haves and deal-breakers and reflect on how your needs may evolve.
5. APPLY FOR A LOAN
Shop around and check out Freddie Mac’s Loan Comparison Calculator to determine which loan is best for your housing goals. Then, work with your lender to apply for and complete the application process. The process takes roughly 45 days and will include providing proof of employment, banking statements and other documentation.
6. MAKE YOUR OFFER
hrough this phase, you’ll work closely with your real estate agent who will help determine a fair offer price while making sure you stay within range of what you can afford.
7. GET AN INSPECTION AND APPRAISAL
Once your offer is final, your lender will order an appraisal. This is a necessary step in securing financing and protects you and the bank by ensuring the home’s value matches the agreed upon sale price. For peace of mind, you may also wish to pay for a home inspection.
8. CLOSE ON YOUR HOME
Closing, also called settlement, is a meeting where you sign final documents, pay closing costs, and ownership is officially transferred to you. To prepare, secure your closing funds. Freddie Mac’s Closing Costs Calculator can help you estimate how much you’ll pay at settlement.
Preparation is key to successful homeownership. Know the phases of the homebuying process, so you can begin your housing search educated and informed.
Source: StatePoint
HOW TO UNDERSTAND YOUR HOME ENERGY USEAND CUT COSTS
HBy d-mars.com
eating and cooling systems account for around 55% of the average home's energy use, according to the U.S. Department of Energy (DOE). And during the warmer summer months, HVAC systems are working at their hardest to keep homes cool - which means that as temperatures rise, energy bills often do, too.
Consider the following tips to boost a home's energy performance and save on utility bills to help keep costs down and improve HVAC efficiency.
PRACTICE ROUTINE MAINTENANCE
Clean or replace filters on air conditioners or furnaces regularly, ideally once a month or as recommended. This routine practice will ensure systems run efficiently.
It's also important to schedule seasonal inspections with a professional technician, such as a Rheem Pro Partner®, to
identify and address potential issues before they become larger, more costly problems. An expert will also help evaluate the health of key components such as filters, refrigerant levels, and thermostat calibration to keep units working at peak performance.
MAINTAIN CLEAR AIRFLOW THROUGHOUT THE HOME
Proper insulation and air sealing techniques can achieve whole-house energy savings of 10%-20%, proving a cost-effective way to reduce energy waste.
Ensure air return points are not blocked by furniture, carpeting or drapes so that air can flow freely. Confirm that doors and windows are closed when the HVAC system is in operation, and check that loose seals or gaps around windows, doors and ducts are not causing conditioned air to escape from the home. Additionally, during warmer months, keep window coverings closed during the day to block the sun's heat.
All these practices can prevent energy waste, lower utility costs, and improve overall performance.
EVALUATE EQUIPMENT OPTIONS
Another option homeowners may consider is upgrading their home's HVAC equipment. According to the DOE, upgrading a home's cooling and heating system can cut energy use by 20% or more, depending on the existing setup.
Most cooling and heating equipment today is built for energy efficiency. Rheem, an innovative, century-old manufacturer of trusted air solutions, crafts HVAC equipment built for energy optimization while keeping the environment in mind. Rheem offers a comprehensive lineup of sustainable solutions engineered to ensure a comfortable home and efficiencies that provide long-term budget savings. A trusted, local contractor can help a homeowner evaluate the best equipment options.
No matter a home's heating and cooling needs, these are a few tools and solutions homeowners can explore to better understand how to make a space more energy efficient.
Source: BrandPoint
AirPods Pro 3 will be Able to Translate in Real Time!
IMPROVED NOISE CANCELING ABILITIES
WBy d-mars.com News Provider
ith AirPods Pro 3, Live Translation enables in-person communication across select languages and is available in beta. This transformational, hands-free capability is powered by computational audio and Apple Intelligence to help people easily connect — whether they’re traveling to a new place, collaborating at work or school, or simply catching up with the people who matter most.
Live Translation on AirPods is available in English, French, German, Portuguese, and Spanish, and will be coming to four more languages by the end of the year: Italian, Japanese, Korean, and Chinese (simplified).
When enabled, Live Translation helps users understand another language and communicate with others by speaking naturally with AirPods. To interact with someone who doesn’t have this hands-free capability, there’s an option to use iPhone as a horizontal display, showing the live transcription of what the user is saying in the other person’s preferred language. When the other person responds, their speech is translated into the user’s preferred language with AirPods.
It’s even more useful for longer conversations when both users are wearing their own AirPods with Live Translation enabled from their iPhone. Active Noise Cancellation on AirPods lowers the volume of the other person speaking so that it’s easier to focus on the translation while staying connected in the interaction.
AirPods Pro 3 also promises to deliver the world’s best active noise canceling (ANC) of any in-ear wireless headphones. This is made possible with ultra-low noise microphones and advanced computational audio combined with new foam-infused ear tips for greater passive noise isolation. AirPods Pro 3 deliver a dramatically more immersive listening experience whether users are in transit, at the office, or winding down at home, offering ANC that’s up to 2x more effective than AirPods Pro 2, with 4x more noise removed compared to the original AirPods Pro. In addition, while listening to music with ANC enabled, AirPods Pro 3 now provide up to eight hours of music playback — a 33% increase over the previous generation.
NEW IN-EAR DESIGNS
Utilizing over 10,000 ear scans with more than 100,000 hours of user research, AirPods Pro 3 are the most secure and best-fitting AirPods ever. To deliver this improved fit for even more people, the internal architecture was completely re-engineered to make each AirPod smaller, while the external geometry of the ear tip was aligned to the center of the body for increased stability — a design informed by an unparalleled dataset of more than 300 million points. And with new foam-infused ear tips that now come in five sizes — including a new XXS size — AirPods Pro 3 deliver an exceptional inear fit. Designed for increased durability with an IP57 sweat and water resistance, AirPods Pro 3 are built to handle tough workouts and unpredictable weather.
Source: Apple (Edited by d-mars.com)
By
ver received an unexpected alert by text or email claiming there is a problem with your computer that the sender needs your help to fix? That could very well have been a tech support scam.
They want your personal information, passwords, and access to your systems, and the easiest way to get it is to ask you for it. These things give scammers the keys to install programs that steal personal and financial information saved on your computer or phone.
Tech support scams can be delivered in a variety of ways. Sometimes they cause a pop-up on your screen that looks like a legitimate message from your software provider. Sometimes they create lookalike websites or web ads that list fraudulent phone numbers. If you call, the scammer will ask for personal information and, in some cases, payment for services needed to “fix” the problem.
No matter how the scammer approaches you or what story they tell, the aim is to cause you to panic that something is broken or compromised and may lead to loss of access to your valuable records, photos, etc. This is especially upsetting to those who may be less tech-savvy, especially when scammers are able to convincingly impersonate trusted brands.
THERE ARE WAYS TO PROTECT YOURSELF, YOUR INFORMATION AND YOUR DEVICES, THOUGH.
Tech companies will not call you directly and won’t ask you to call them. They also won’t ask for your passwords, one-time pass codes, or remote access to your computer. Other red flags to watch for include:
• Someone claiming to want to help applying undue pressure, claiming time sensitivity
• Demands for payment – particularly in an irretrievable form (cryptocurrency, wire transfer, gift card, money order, etc.)
• Requests for your personal information, passwords, or account numbers
• Calls from phone numbers that are legitimate but unexpected, unknown, private, or a phone number that can’t be found on the company’s website
ACTIONS YOU CAN TAKE TO PROTECT YOURSELF FROM THIS TYPE OF SCAM INCLUDE:
• Restarting your computer if a pop-up appears and freezes your screen.
• Keeping your systems and antivirus up to date and running scans regularly.
• Not clicking links if you receive a message or alert and instead, typing in the official website address and making contact to verify whether there was a legitimate request.
• Disconnecting and independently locating a customer service number for the brand in question, then calling to verify the IT support contact was legitimate.
• Blocking unknown numbers and email addresses.
• Never giving anyone your password or verification code, and making sure passwords are not the same for multiple places.
If you are scammed, it’s critical to take immediate action to minimize the damage the fraudsters can do. Contact your bank, financial services providers, and credit bureaus to alert them and institute a freeze. And file a report with the Finance Trade Corporation.
To learn more about scam prevention, consult PNC Bank’s Security and Privacy Center (pnc.com). Tech support scams can be expensive. Be extra cautious when someone claims to be IT support.
Source: StatePoint (Edited by d-mars.com)
IN SEPTEMBER OF
1992 Mae Carol Jemison Did You Know?
became the first Black woman to travel into space. Jemison joined NASA in 1987 and served on the STS-47 mission. She was aboard the Space Shuttle Endeavour for nearly eight days from Sep. 12-20, orbiting the earth 127 times. Emison was inducted into the National Women’s Hall of Fame and the International Space Hall of Fame. Emison also has a medical degree from Cornell University, and she was a doctor for the Peace Corps in Liberia and Sierra Leone.
SOURCE: D-MARS.COM
“THE GRASS AIN’T ALWAYS GREENER ON THE OTHER SIDE”
A timeless classic that has a simple meaning: the other situation is not always as good as it appears. This is often applied to someone comparing what they have or where they are in life to someone else. Yes, things appear good, and they might even be good, but the truth is that you never know the struggles that come with what they have. They might even say that they want what you have. This can also be applied to a new job, relationship, or anything else that might remove you from something that satisfies you for something that is likely just a fling or interesting at the moment.
Keith J. Davis Jr., Owner
Pumpkin Spice Cold Brew
Let's Make 2...
APPLIANCES
• Blender or frother
INGREDIENTS
Coffee
IBy d-mars.com
t seems like the pumpkin spice season starts earlier and earlier each year. Well, it does. But, here at d-mars.com, we’re right on time for you to enjoy arguably the most popular seasonal flavor. The first day of fall is Monday, Sep. 22, and that’s fast approaching, so we want to ensure that you kick it off the right way.
This homemade pumpkin spice cold brew recipe is a copycat of a famous coffee chain’s recipe, but it’s likely going to be much better because you get to make it your way. If you have never liked a chain’s version of this drink because the quality of coffee wasn’t up to your standards, it’s too weak, too strong, too sweet, or any other reason, I highly recommend that you give this recipe a try before you write it off completely because — and I hate to even say this cliché — one of the best ways to enjoy fall is with a great pumpkin coffee in your hand.
• 2 cups cold brew coffee
You can use iced coffee or even a strong black tea or chai tea. Be careful not to dilute your drink too much as it won’t be as strong as cold brew.
• 2 tbsp maple syrup
This is completely optional for sweetening your coffee. For some, the cold foam is sweet and flavorful enough. You can also substitute with simple syrup, vanilla syrup, brown sugar, or whatever else you use to sweeten coffee that won’t conflict with the pumpkin flavor.
Pumpkin Cold Foam
• ½ cup heavy cream
This can be substituted with any plant-based creamer that you would like, but just keep in mind that it won’t be as rich.
• 3 tbsp pumpkin puree
Pumpkin pie filling is not pumpkin puree. You can also swap out the puree for pumpkin butter (like peanut butter).
• 2 tbsp maple syrup
This can be swapped with the sweeteners listed above.
• ½ tsp pumpkin pie spice
If you don’t have this, you can replace with cinnamon, ginger, nutmeg, or brown sugar.
• ½ tsp vanilla extract
DIRECTIONS
• Add a handful of ice into 2 tall glasses. Pour 1 cup of cold brew into each glass. Add 1 tbsp maple syrup to each glass and stir.
• Make the pumpkin cold foam by adding heavy cream, pumpkin puree, maple syrup, pumpkin pie spice, and vanilla extract to a high-speed blender or a large glass. Blend on high or use frother for 30-45 seconds until foamy.
• Divide the pumpkin cold foam equally between each glass of cold brew, pouring it over the top. Top off with a sprinkle of your pumpkin pie spice. Enjoy!
