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Comerica Bank Supports Record-Breaking UNCF Walk for Education

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Michigan Chronicle

Vol. 86 – No. 3 | September 21-27, 2022

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COMMENTARY

A Strong School Plan: Starts with Great Teachers

By Angelique Peterson-Mayberry, President, Board of Education Detroit Public Schools Community District

Up Next:

Like many states, Michigan has struggled for more than a decade in finding, recruiting and retaining teachers. In 2017, under a newly elected board and appointed Superintendent Detroit Public Schools Community District (DPSCD) was facing 400 teacher vacancies. A strategy was quickly put in place to engage teachers, students, families and the community. Through the aggressive development and implementation of a Strategic Plan that placed students first, DPSCD was able to incorporate strategies to close the teacher vacancy gap. DPSCD started the 2022-2023 Angelique Peterson-Mayberry school year with nearly all core subject area teacher positions filled, with the exception of late resignations. I want to congratulate DPSCD for making the commitment to place students first by laying the groundwork to ensure a teacher is in every classroom. I want to thank our families who continue to trust in the District, thank you to our unions and our partners who continue to support our teachers. Thank you to our Superintendent who has been leading the work by reorganizing the Human Resources Department, constantly problem solving and working collaboratively with our unions, and developing a homegrown talent pipeline of teachers through the On the Rise Academy. Our continual focus and work to recruit, retain and develop teachers rests on the importance of great teachers as the key to raising student achievement! At DPSCD, salaries have been increased across all employee groups. However, unapologetically the increases have focused on teacher salaries. The average salary for DPSCD teachers has increased by nearly $16,000. Today, DPSCD’s average starting teacher salary is $8,000 higher than the Michigan average. Although salary increase certainly help with recruitment and retention, DPSCD’s climate and culture has improved has evidence through survey data in the areas of safety, evaluations, professional development, leadership support and curriculum. Finally, in 2020, DPSCD’s Plan moved toward growing some of our own teachers and the District launched the On the Rise Academy. The Academy provided a fast-track to connect experienced staff who had a bachelor’s degree and were proven to be passionate about teaching, to obtain their teaching certificate. Participants needed to set out to also pass the Michigan Test for Teaching Certification. On the Rise even offered a summer academy with ongoing

It’s Time to Focus on November’s General Election By Donald James Senior Writer/Real Times Media

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ith a heightened focus now placed on political candidates and their respective races since Labor Day, Michiganders will hear almost non-stop from those who want their votes. Voters will be bombarded with campaign ads and commercials on television, radio, and the Internet, while receiving robocalls and mailed literature extending to the General Election Day on Tuesday, Nov. 8. While there will be hundreds of races across the state, the contest for governor will be one of the most watched. Gov. Gretchen Whitmer and Lt. Gov. Garlin Gilchrist II - both Democrats - are asking voters for a second term in Lansing. Hoping to prevent a Whitmer - Gilchrist re-election celebration is Tudor Dixon, the Republican candidate for governor and Shane Hernandez, her running mate for Lt. Governor. The race between Whitmer and Dixon marks the first time two women in Michigan have faced each other in a November gubernatorial election. In polls conducted since the Primary on Aug. 2, voters have identified issues critical to the quality of life for them and their families. Topping the list is the issue centered on abortion and women’s rights, followed by rising inflation, threats to democracy, quality education for students pre-k thru college, pathways to good paying jobs, and effective ways to reduce crime.

Whitmer fully supports Michigan women’s abortion rights. She has signed Executive Orders to protect such rights and filed a lawsuit asking the Michigan Supreme Court to determine whether the state constitution provides a right to abortion. Dixon is against abortion -with no exception for any reason. Democrats have run political ads on television consistently since the day after the Primary Election to remind voters of Dixon’s stance on abortion rights for women. The Michigan Supreme Court ruled on Sept. 8 that a proposed state constitutional amendment to protect abortion rights should be on November’s ballot for voters to decide. Whitmer has pushed hard for the amendment, while Dixon has recently said she would support the law if passed by voters. Michigan’s highest court also agreed that a ballot proposal to expand voting rights and voting access in the state should go before voters in the upcoming General Election. Whitmer and Dixon will square off in what is expected to be an electrifying debate on Oct. 13 on WOOD-TV in Grand Rapids, giving voters more insight into where both women stand on a litany of issues. The debate will be aired statewide. The race for Secretary of State is another political contest to watch as incumbent Democrat Jocelyn Benson, elected in 2018, makes a bid for another term based on her documented accomplishments in office, including ensuring that elections are secure and accessible.

See GENERAL

ELECTION page A2

See TEACHERS page A2

WHAT’S INSIDE

How Will Michigan Residents Decide the Fate of Reproductive Rights in November? By Sherri Kolade

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It is now left up to Michigan voters to decide the next move on an abortion rights measure recently placed on the November ballot. The Associated Press (AP) reported that voters will decide if abortion rights should belong in the Michigan Constitution, a move determined by the state Supreme Court on Thursday, September 8. According to the article, abortion rights would be for certain if the amendment passes on Tuesday, November 8, during the general election. Presently, the 1931 state law makes performing abortions a crime, although the law was suspended in May, concluding with a judge earlier in September striking it down as unconstitutional, according to the report. Even though appealing that move could be plausible, the law would still outweigh the decision if voters approve the amendment in November. The November ballot is anticipated to include a referendum for registered voters to take their fight to the polls and directly consider the decision of everyday residents. While the Democratic Party currently controls the office of governor, the Republican Party controls both chambers of the state

legislature with a 56 to 53 majority. The national, seemingly uphill battle for women’s reproductive health continues as citizens and public officials have vocalized and protested their opposition to the initial decision by the Supreme Court to remove federal protections for women’s reproductive rights. On June 24, history was made by the landmark Dobbs v. Jackson Women’s Health Organization in a 6-3 ruling delivered by the Supreme Court, controversially overturning the seminal 1973 Roe v. Wade decision granting abortion as a federally protected right. The court’s controversial decision impacted the ability of individual states to set their abortion laws. Before being overturned, for nearly 50 years abortions were granted during the first two trimesters of pregnancy.

The court’s only three liberal justices filed a dissenting opinion to the decision. Detroit Doula Khalifah Green told the Michigan Chronicle previously that she wonders how the Supreme Court ruling changes the landscape, especially for unplanned pregnancies. “In birth work, you see all types of lives and different walks of life. I have seen the impact of unwanted pregnancies slow down or stop labor physiologically. … We are having to close in the ranks and make sure we have a strong referral list of mental health experts. … You’re going to see a spike in depression, especially postpartum depression from people in our community birthing babies they didn’t plan for and don’t have other options for – I don’t know what that will do,” Green said. Democrats note that the U.S. Supreme Court’s decision to overturn Roe v. Wade is spurring voters to mobilize, which will help Democratic candidates this fall election. Even locally, women’s rights coalitions and healthcare organizations across the country have been steadily rallying against SCOTUS’s decision to eliminate the constitutional right to obtain an abortion. In a hegemonic shift back toward conservative

See REPRODUCTIVE

RIGHTS page A2


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General Election From page A-1

Running against Benson is Republican Kristina Karamo, who former President Donald Trump has endorsed. Karamo is an African American woman and educator from Oak Park. She has echoed what many other Trump-endorsed candidates believe and have said – although false - about why the former president lost in the 2020 Presidential Election. When Democratic candidate Shri Thanedar was victorious in the Primary Election in the 13th Congressional District, the consensus was Detroit would have no Black representation in Congress when it convened in January 2023. Thanedar, an Indian-American, won in a heavily Democratic district, making him the presumptive favorite to win in the General Election against Republican candidate Martel D. Bivings. “This seat is owned by the people of the 13th,” Thanedar said in several post-Primary interviews.” “And my thought, simply, was let democracy take its course, and let the people decide and they will say what and who they want. And that’s how it should be.” Nevertheless, Bivings sees himself as the answer to Detroit having

Teachers From page A-1

professional development to support the challenges in teaching in urban districts like Detroit. On the Rise has now trained a total of 96 teachers in two years. DPSCD feels that it has weathered the pandemic storm and is ready to refocus our attention

Black representation when Congress convenes in January. “There is a lot at stake this November for our community,” Bivings said in recorded and posted messages on his campaign’s website. “We need to continue the legacy of Black representation in Congress. I’m a Detroiter, and Detroiters need a Detroiter at the table for them in Congress.” In the 12th Congressional District, Congresswoman Rashida Tlaib, a Palestinian-American, is an overwhelming favorite to win over Republican candidate Steven Elliott in the General. Tlaib won convincingly over two African American women candidates in the Primary. Another race that will garner interest is for a seat on the Michigan Supreme Court. Voters have an opportunity to send State Representative and civil litigation attorney Kyra Harris Bolden of Southfield to the Michigan Supreme Court. If she wins, Bolden will be the first Black woman to serve on the State’s highest court. There are other races that will affect Detroiters and other Michiganders, including bids for State Senate and State House seats. to student achievement. We certainly have challenges such as chronic absenteeism, learning loss and metal health challenges to overcome, but our District is ready to for the new challenges. The energy of our staff, families and students is evident. Our classrooms are filled with the best teachers, and it all starts with them. We know our students are on the rise!

There is still time for the unregistered to register to vote in November’s General Election. And voters can vote earlier than Nov. 8; they can begin voting on Thursday, Sept. 29. According to the State of Michigan’s online Voter Information Center, voters can vote with absentee ballots at their local election clerk’s office during the 40 days before an upcoming election. And all registered voters in Michigan can vote using “no-excuse or reason” absentee ballots and mail or drop off the ballots to their clerk’s office. Regardless of when one votes, many stakeholders believe there is power in voting. Rev. Wendell Anthony, president of the Detroit NAACP, who

coined the local-gone-national voting catchphrase “Take Your Soles To The Polls And Vote,” continues his quest to turn out the Black vote for the upcoming General Election. “Many of our people have checked out of the system and are just not voting,” Anthony told the Chronicle during an interview shortly after the Aug. 2nd Primary. “And our not voting only enhances the election of those who do not seek to serve our interest. Our lives depend upon our votes. We have to vote.” For more information about voting procedures and timelines for the Statewide General Election on Nov. 8, log on to the Michigan Secretary of State’s Voting Information Center at https:// mvic.sos.state.mi.us/.

Reproductive Rights From page A-1

precedent, the “Dobbs decision” granted deferential power to individual states. Attorney General Dana Nessel said the overturning of Roe will have additional negative consequences. “I’ve been putting domestic violence advocates on high alert: expect to see an increase in partner assault cases, including homicides, because of Roe being overturned. If women can’t exercise their right to terminate a pregnancy, that will leave them anchored to their abusers for the rest of their lives. Being forced to carry a fetus would cause catastrophic harm to women already in a precarious situation.” Nessel urged voters who want to maintain their reproductive rights to make their voices heard at the ballot box in November. Many Black advocacy groups assert that

the SCOTUS decision is closely linked with race. Gynecological experiments and forced sterilizations have historically impacted Black women in the U.S., per ABC News. Black women are also more likely to die from childbirth than white women. A federal study reports that college-educated Black women are five times more likely to die from pregnancy than white women who went to college. “We all need to be able to determine how many

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children we’re going to have if we’re going to have children. We all have a human right to make decisions about our bodies,” said Toni Bond, the scholar who coined the phrase “reproductive justice” in the 90s to separate the concerns of Black women from those of white feminists. The access and expense of health care and police brutality are other factors that especially concern Black women. According to the Centers for Disease Control and Prevention, Black women are more than four times as likely to have had abortions as white

women. On a national average, Black women are also more likely to miscarry or have stillbirths than white women. “Abortion is a necessary part of health care that every Michigander should be able to access,” said Dr. Michael Hertz, a northern Michigan OB/ GYN. “We must do all we can here in Michigan to protect this access for the health and well-being of our patients. These actions are important to ensuring that abortion remains safe, legal and available in Michigan.” Staff Writer Rasha Almulaiki contributed to this report.

The Heart Condition Hiding in Plain Sight By Nettie Riddick MSN, BSN, RN

President, Detroit Black Nurses Association, Inc.

The health of a community is often about connecting. Connecting with our neighbors, friends, and family to recharge our souls. Connecting with information that empowers us to make positive change.

with heart-related issues – tell your doctor. If a relative is diagnosed with hereditary ATTR-CM, a doctor may suggest genetic counseling and testing for relatives. Genetic testing can help relatives understand what potential steps to take. Now we need to get Getting connected connected and work with information about together to address a ATTR-CM and learning serious cause of heart from experts is also key. failure called transthyreThat’s why Detroit Black tin amyloid cardiomyopNurses Association is athy, or ATTR-CM. excited to partner with Many of us may alPfizer, former NBA basready be aware that Nettie Riddick ketball player and coach when it comes to heart Don Chaney, and Dr. disease in the U.S., Black, African AmerBrittany S. Fuller, MD on a Voices for the ican, and Afro-Caribbean communities Heart event on Monday, September 26th are disproportionately affected comat 7:00 PM ET to increase awareness of pared to other racial and ethnic groups.* ATTR-CM in our community. Don will But did you know about three to four pershare his personal diagnosis story and cent of African Americans carry a mutahis experiences living with hereditary tion in the TTR gene (V122I) that makes ATTR-CM. To register for this important it more likely that they may develop ATevent, click here or scan the QR code TR-CM, however not all carriers develop below. the disease. ATTR-CM gets worse over Working together, we can raise time, which is why early diagnosis and awareness of hereditary ATTR-CM and management are so important. help make sure that our community, ATTR-CM hides in plain sight. That’s friends, and family have the information where community and connecting come they need to take charge of their health. in. *A 7-year study in London, UK found Getting diagnosed with ATTR-CM a gene mutation (ATTR V122I) was the can often take years. Some signs of cause of heart failure in 211 out of 1392 ATTR-CM, like carpal tunnel syndrome, Afro-Caribbean patients. extreme tiredness, and swelling in the For additional resources on heredilower legs and feet, can mimic other conditions. The signs of ATTR-CM may tary ATTR-CM, including a discussion be difficult to connect with a heart con- guide to help conversations with your dition. ATTR-CM, as a cause of heart fail- doctor or share with a loved one, you ure can be missed. Family or friends can can visit www.yourheartsmessage.com/ play an important role in helping you or don. your doctor determine health issues that Content developed by Pfizer in you may not notice or talk about. Share collaboration with Detroit Black Nurses all your health information with your Association, Inc. doctor so that they can “connect the dots” and make sure health concerns aren’t overlooked. We are connected by our health histories – sharing health information among relatives is important too. The hereditary type of ATTR-CM is passed down through relatives. If you have relatives

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Approximately 50 Comerica colleagues and family members participated in the 2022 UNCF Detroit Walk for Education.

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Comerica Bank Supports Record-Breaking UNCF Walk for Education

On August 20, families, friends, neighbors and Comerica Cares volunteers gathered at Belle Isle Park in Detroit for the 34th annual United Negros College Fund, Inc. (UNCF) Walk for Education – a broad-based community event to raise much needed unrestricted funds for the organization’s 37 member schools. Individuals and organizations had the opportunity to donate between $2 and $100,000 from April 1 through the day of the event. The walk this year had a financial goal of $600,000, and as of Thursday, Sept. 1 more than $831,000 has been raised.This amount is historic within UNCF as a whole – a walk has never raised that much money.

Comerica Bank’s Michigan Market President Steve Davis (left), Chief Operations and Technology Officer and UNCF Executive Sponsor Megan Crespi (middle), and Retail District Manager Marvin Rushing (right), who coordinated the bank’s support for UNCF, at the Detroit Walk for Education Start/Finish line.

Comerica Bank has been a supporter of the Comerica Care volunteers participate in the 34th annual annual walk since it began UNCF Walk for Education. 34 years ago and is one of the many organizations that contributes significant donations each year. For the last six years, Comerica has been a bachelor sponsor of the event and donates $5,000 in addition to hosting internal employee fundraisers where they’ve raised up to $20,000. The money raised from this walk will greatly help educational aspects of the organization’s member schools such as technology, lab resources and state of the art equipment. UNCF also raises funds, considered restricted money, to help with scholarships and to offset costs for stu-

See UNCF WALK FOR EDUCATION page A-4

United Negro College Fund Area Development Director Patrice Neal announces that the Comerica colleagues enjoyed the nice weather and great walk around Belle Isle 2022 UNCF Detroit Walk for Education set new fundraising records. to support scholarship fundraising and education opportunities.

Comerica Bank colleagues at the 2022 National Black Men in Leadership Summit held Student Marvin Hood is awarded with a $2,000 educational scholarship at the second in Detroit. annual National Black Men in Leadership Summit.

Comerica Bank, Nate Bennett highlight Black Men in Leadership through Annual Summit

This year’s National Black Men in Leadership Summit, hosted by The Michigan Diversity Council (MIDC) in partnership with the National Diversity Council (NDC), focused on “Resilient Leadership: Connection, Community and Contribution.”

The annual summit highlights successful, professional individuals who pave the way for Black men to advance in corporate and educational settings. Not only do these individuals create and uplift a culture where Black talent is supported, but they also demonstrate leadership in the Black community and strive for accomplishments in their careers. This year’s summit took place in Detroit on Aug. 18 and the agenda included numerous networking opportunities, a keynote address, panels and breakout sessions with more than 350 in-per-

son attendees and more than 200 virtual participants from across the country consisting of senior and emerging leaders from all industries and across the spectrum of race, diversity and gender. One of the event’s panels titled “The Power of Black Resilience” featured Nate Bennett, Comerica Bank’s chief diversity officer and national board member of the Diversity Council, who shared remarks about equity in the workplace. Darlene King, the executive director and senior consultant with the Michigan and National Diversity Council, played a vital role in the implementation and execution of this year’s summit along with her team members Ivy Hunter and Crystal Moore. King is one of many that appreciated Bennett’s remarks:

See LEADERSHIP SUMMIT page A-4

Nate Bennett, Comerica Bank Chief Diversity Officer, gives remarks at the second annual National Black Men in Leadership Summit.


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Cheryl Parks and the Ajamu Group.

Black Entrepreneurs Spotlighted during Black Business Month

Each August, Black entrepreneurship is celebrated through Black Business Month, a time to acknowledge and appreciate black-owned businesses across the country. Since 2004, Black Business Month serves to recognize contributions Black business owners make to the economy and pay homage to their legacies as they pave the way for future Black entrepreneurship.

In honor of Black Business Month, Comerica Bank highlighted several Black-owned businesses across the state that showcase exceptional Black talent and entrepreneurial spirit. The first Black-owned business spotlight, Cheryl Ajamu, is the founder and chief executive officer of The Ajamu Group, a media advertising sales and event management company in metro Detroit. Ajamu was first inspired to start her own business through her mentor, who encouraged her to develop a company focused on her expertise – securing automotive advertising and sponsorships for national media companies.Ajamu was particularly motivated as this venture would make her the only African American woman in Michigan who owned a business of this kind. Ajamu attributes a lot of the success her business has seen to the support she received from Comerica Bank. “Comerica Bank was the only company to believe in my vision for the 1st Multicultural Media Luncheon Auto Industry Awards,” said Ajamu. “The event has honored over 30 automotive executives from communities of color. Comerica Bank’s support gave me the encouragement and financial support I needed to keep moving forward with my project.” Those interested in learning more

Cheryl Parks, founder and CEO of the Ajamu Group.

Kimberly Cornner, founder and CEO of Kimmie Stylz.

and supporting the Ajamu Group, visit ajamugroup.com. Comerica Bank is also a sponsor of the recent National Entrepreneurs Association (NEA) Virtual Pitch Contest. The contest started during the pandemic as a means to uplift business owners nationwide. People all across the country apply to the contest to pitch their business for three minutes to a panel of accredited judges, usually including a previous contest winner. After narrowing down the top ten contestants, the judges decide the first and second place winners while the live audience determines third place. Each winner receives a Dell laptop and one year membership to NEA in addition to a cash prize, with $3,000 to first place, $1,000 to second and third with $500. Chasity Pritchett took first place as the founder of Emblem Oil. Her company is on a mission to bring the health benefit and exquisite flavor of U.S. olive oil, which Pritchett calls “fruit medicine,” to diverse communities across the country. Emblem Olive Oil is a proud member of the North American Olive Oil Asso-

Chasity Pritchett, founder of Emblem Oil.

ciation and has the distinction of being the first black, female-owned extra virgin and infused olive oil company in the world. Pritchett has grown her company from being a side business to now being her full-time career, with her olive oils used by multiple celebrity chefs, featured as Amazon Choice products and sold in retailers across the country, such as Kroger and Meijer. Kimmie Stylz, another black-owned business, won third place at this year’s NEA Virtual Pitch. Kimberly Cornner is the founder and CEO of Kimmie Stylz hair care products. She uses more than 20 years of haircare experience and passion for natural hair to teach women to embrace their natural beauty. Cornner’s hair care line arose from a need to use healthier ingredients that promote fuller and healthier hair growth. Her hard work and diligence resulted in her products being sold online, in salons and six beauty supply stores. To see the full list of the 2022 NEA virtual pitch contest winners, visit nationalentrepreneurs.org.

Comerica Bank Lions First Down Program set to surpass $100,000 in total community support during 2022 season For the sixth-consecutive year, Comerica Bank and the Detroit Lions are supporting philanthropic partners and assisting transformative community impact initiatives throughout southeast Michigan by ensuring that first downs at Ford Field stretch well beyond 10 yards. During every home game, a community partner will benefit from the 2022 Comerica Bank Lions First Down program by receiving $100 for each Lions first down gained at Ford Field. This year’s program began during the preseason and includes all nine Lions regular season home games resulting in a record total of 10 philanthropic organizations that will receive funding support as a result of this initiative throughout the season. This year’s program not only benefits more community organizations than ever before, but the program is set to surpass a major milestone. One first down this year will not only move the chains and the Lions forward down the field, but it also will drive the Comerica Bank Lions First Down Program contributions overall total to $100,000 and represent the 1,000th first down that has benefited the community since the inception of the partnership. “Our community partners provide extensive services and care in their ongoing efforts to reach those in need, and we appreciate the contributions they make every day to uplift our neighborhoods and communities,” said Linda Nosegbe, Comerica Bank National Community Impact Manager. “Our goal in this collaboration focuses on delivering critical resources while also elevating, highlighting and celebrating their missions, programs and outreach services. For the past six years, the Lions have been outstanding partners in the First Down Program, and we look forward to the opportunity to help make this year the most successful and impactful to date.” Thus far in 2022, Comerica Bank has donated $6,600 to three non-profits through the First Down Program, including: The Judson Center, DEFY Program and Mostyn Community Development. The Judson Center served approximately. Judson Center, which serves approximately 12,000 children, adults and families annually, has been changing fates and restoring childhoods for children who have been abused and neglected, and others who are challenged by developmental and physical disabilities, severe emotional impairments and autism spectrum disorder. DEFY (Determined Exceptional Fearless Youth) supports middle and high school students within the Ypsilanti and Metro-Detroit Areas and assists program students looking to learn and grow through hands-on experiences and mentorship from passionate and caring professionals. And Mostyn Community Development provides service and assistance in the following areas of academic enrichment for students deemed at-risk / underprivileged and special needs students: STEM and STEAM learning, career and leadership development, entrepreneurship, vocational training, community outreach, sports and recreation. Since its inception in 2017, Comerica has contributed $93,900 to 20 local community organizations through Comerica Bank’s Lions First Down program. Additional recipients include: Abigayle Ministries, Alternatives For Girls, Beyond Basics, Capuchin Soup Kitchen, Charles H. Wright Museum of African American History, Citadel Community Development Corpora-

tion, Detroit Organizations of Black Organizations, Detroit Police Athletic League, Inc., Detroit Public Schools Foundation, Focus: HOPE, HAVEN, LASED, Lebanese American Heritage Club Leaders Advancing and Helping Communities, Life Directions, Ruth Ellis Center,The Children’s Center and Winning Futures. By seasons end, the Comerica Bank Lions First Down Program will support over 25 community partners throughout its six season supporting community partners. This marks the third season Comerica Bank and the Lions have selected different organizations for each game. “Marking 1,000 first downs and of course $100,000 in contributions to those working to make a positive impact in our community is a milestone to be celebrated,” said Detroit Lions Vice President of Detroit Lions Foundation and Community Relations Roxanne Caine. “The Comerica Bank Lions First Down Program is a great way to both reach and spotlight these backbone organizations in the City of Detroit and beyond.”

The 2nd Annual Detroit Black College Expo will be held Saturday, September 24 at the Wayne State University Student Center from 10:00 a.m.-5:00 p.m. Register for free at www.thecollegeexpo.org. Seminars include: “How to Find Money for College” | “Boomin’ Careers” | “Why Attend an HBCU” | “The 411 for the Student Athlete” | “How to Think & Grow Rich” | “How to Start a Business” | “Real Talk–College vs High School” | “How to Get A’s in English moderated by NCRF Celebrity Ambassador Hip Hop Legend Yo-Yo.”

Black College Expo Returning to Detroit

Comerica Bank partners with National College Resources Foundation to bring access to college opportunities and funding to students and families across southeast Michigan Comerica Bank, together with the National College Resources Foundation (NCRF), have partnered to bring the Detroit Black College Expo™ to the Midwest Saturday, September 24 at Wayne State University Student Center from 10:00 am – 5:00 pm EDT (Expo 10-3, After Show 3-5). This year’s one-day, in-person event provides opportunities for many high school students to have their college application fees waived – as well as chances to earn acceptance and receive scholarships to some colleges on the spot. The day is filled with energy, interaction and informative seminars and workshops for K-12 students and their families. “The impact the National College Resources Foundation is having on our youth and college students is transformational,” said Linda Nosegbe, Comerica Bank Vice President and National Community Impact Manager. “The Black College Expo in Detroit last year opened access and connected participants to post-secondary institutions and critical financial resources. We are honored to once again partner with the NCRF and enrich this year’s expo and the seminar’s expansive workshops.” The Detroit Black College Expo™ offers student attendees and their families access to college information and a chance to explore post-high school opportunities in an up-close and personal setting. NCRF provides free access to attend and is open to K-12 students and families throughout the Midwest. The Detroit Black College Expo™ is free to Those interested in attending are welcome to register at www.thecollegeexpo.org. NCRF was founded in 1999. The nonprofit hosted first Black College Expo™ in 2000 in California with over 35,000 people in attendance. Black College Expo™ is a college access event that highlights Historically Black Colleges and Universities (HBCU’s) and other postsecondary institutions to provide admissions, scholarship information and resources to its attendees. NCRF’s mission is to curtail the high school dropout rate and increase degree and/or certificate enrollment among underserved, underrepresented, at-risk, low resource, homeless and foster students. “We are excited to partner with Comerica Bank,” said Dr.Theresa Price, Founder and Executive Director of NCRF. “It so refreshing to work with corporations that share the same values and beliefs as NCRF. Together we are working together to close the gap in educational achievement, workforce, and economic disparities.We know that events like the Detroit Black College Expo™ bring hope and opportunities to our community.” NCRF connects students to positive post-secondary pursuits – providing resources and services to help students prepare for, enroll in and graduate from a degree and/or certificate program. It continues to work toward its vision to close the gap in educational achievement, workforce, and economic disparities with the goal to end racism and racial inequality – and, to date, NCRF has: Hosted more than 200 college expos nationwide, including 49 virtual events during the height of the COVID-19 pandemic; Helped more than 600,000 students get into college; Yielded a 100% graduation rate among Black students (93% for all students) in their Movement Enrichment Program; Secured a 95% success rate of its scholarship winners completing college; Helped over 1,500 athletes with athletic scholarships; Placed more than 1,200 college students and graduates into internships and careers.; Secured more than 1.5 billion dollars in scholarships and grants for students.

Leadership Summit From page A-3

“The thing that I appreciated about Nate’s participation on our lunch panel was him telling his personal story of growing up in an atmosphere and coming from a community that wasn’t so much a privileged one,” said King.“That really taught him the principles of hard work from his father being in the military and how his parents instilled in him as a young African American man the things he would be able to accomplish in life if he just remained focused to do that. It was impactful to hear a Chief Diversity Officer of a Fortune 500 company talk about his personal story and how that helps him to lead as a leader.” Comerica has been a national partner of the Diversity Council for four years and has been a sponsor of the Black Men in Leadership Summit since it began in 2021. Comerica sits on the council’s national board of directors and has a board member president in each on of the council’s markets. “They [Comerica] are more than just a partner that has members present within the structure of the organization,” said King. “They also are very intentional and impactful about supporting efforts and initiatives that we [The Diversity Council] offer to bring light to marginalized groups in this country.” Comerica Bank was one of the many awardees of this year’s summit and was honored with the Business Impact Award. In addition, four scholarships valued at $1,000-$2,000 were awarded to Black male college bound students. Those who demonstrate leadership skills, commitment to their community and educational achievements were considered as a recipient. The scholarships are funded through The Michigan Diversity Council in partnership with Comerica Bank, the Auto Club Group, AAA, Detroit Pistons and Aerotek-Aston Carter-Actalent. To see the full list of the 2022 National Black Men in Leadership awardees visit http://blackmeninleadershipsummit. org/2022/awardees/.Those interested in supporting under-represented communities in this country can learn more about next year’s summit here: michigandiversitycouncil.org.

Comerica Bank has supported the UNCF Detroit Walk for Education every year since it first launched 34 years ago.

UNCF Walk for Education From page A-3

dents’ tuition and room and board. Patrice Neal, the Michigan director for UNCF, leads this educational campaign and plays a vital role in the fundraising and planning of the walk. “UNCF’s ultimate goal and mission is not to just to get students to college, but to get them through successfully,” said Neal. “To not just give them a scholarship to get there but to make sure we can help manage them and provide the outreach resource that we do have to make sure they are successful and graduated.” UNCF has 25 offices across the county with its headquarters in Washington D.C. It envisions a nation where all Americans have equal access to a college education that prepares them for rich intellectual lives, competitive and fulfilling careers, engaged citizenship and service to our nation.

UNCF’s mission is to build a robust and nationally recognized pipeline of under-represented students who, because of UNCF support, become highly qualified college graduates and to ensure that our network of member institutions is a respected model of best practice in moving students to and through college. UNCF follows its mission by awarding more than 10,000 student scholarships, worth more than $100 million, each year, and by providing financial support to 37 historically Black colleges and universities (HBCUs) – one initiative being the Walk for Education, which is its biggest Michigan fundraiser. UNCF also serves as the nation’s leading advocate for the importance of minority education and community engagement. Donations are being accepted online at https://uncf.org/ until Sept. 30.


A5

Money.

| September 21-27, 2022

michiganchronicle.com

Property Is Power!

What’s Ahead for Mortgage Rates This Week Last week’s economic reporting was minimal due to the Labor Day Holiday. Fed Chair Jerome Powell Weekly readings on mortgage rates and jobless claims were also released. Fed Chair: Rates Expected to Remain Higher Chair Powell said that interest rates will remain high for a longer than expected time as “history cautions against prematurely loosening [monetary] policy.” The Federal Reserve has a legislative mandate to maintain its target interest rate range at or near 2 percent, during a discussion at the Cato Institute, Chair Powell said that the longer inflation remains above the target rate range the more likeAnthony O. Kellum ly the public will view high inflation as normal. Chair Powell addressed concerns about political influence on Fed policy. “I can assure you that we never take into consideration external political considerations.” While President Biden supports the Fed’s policies, Massachusetts Senator Elizabeth Warren expressed concern that too many rate hikes could raise unemployment. Chairman Powell would not indicate how much the Fed may raise rates at its next monetary policy meeting on September 21 but analysts said the rate hike would likely be 0.75 percent or 0.50 percent at the least. Mortgage Rates Rise, Jobless Claims Mixed Freddie Mac reported higher mortgage rates last week as the average rate for 30-year fixed-rate mortgages rose by 23 basis points to 5.89 percent. Rates for 15-year fixed-rate mortgages averaged 5.16 percent and were 18 basis points higher than in the previous week. Rates for 5/1 adjustable-rate mortgages averaged 4.64 percent and were 13 basis points higher on average. Discount points averaged 0.70 percent for 30-year fixedrate mortgages and 0.80 percent for 15-year fixed-rate mortgages. Discount points for 5/1 adjustable-rate mortgages averaged 0.40 percent. New jobless claims fell to 222,000 initial claims filed last week as compared to the previous week’s reading of 228,000 new jobless claims filed. 1.45 million continuing jobless claims were filed last week as compared to the previous week’s 1.44 million ongoing claims filed. What’s Ahead This week’s scheduled economic reporting includes readings on month-to-month and annual inflation, retail sales, and consumer sentiment. Weekly readings on mortgage rates and jobless claims will also be released.

Helina Melaku, Owner Konjo Me

Buying Black 365

Celebrating Detroit’s Black Businesses By Rasha Almulaiki and Sherri Kolade Black Business Month may be over for the year, but buying Black is always in season. The city’s Black entrepreneurs and owners of business innovation hubs spoke to the Michigan Chronicle on the resilience, creativity and culture shifting to continue providing goods and services run by and for community members. Konjo Me Owner Advises Black Women Entrepreneurs to “Be Bold!” Helina Melaku is the owner of Konjo Me, an Ethiopian pop up and catering service in Detroit. Her business grew during the early days of the pandemic in 2020 as she began catering to community members in need. “I was always passionate about cooking and feeding people overall,” said Melaku. “When I started, I decided to help those who did not have

access to food. For example, restaurants were closed. People who already knew my cooking started reaching out to me more so I started doing catering orders. Also, in general, just learning about the business that came about during COVID.” The strained economic conditions during the pandemic rattled the stability of numerous businesses, forcing many entrepreneurs to be more innovative in order to stay afloat. “As a Black entrepreneur during COVID times, resources were limited,” said Melaku. “But I humbled myself and started going to businesses and started doing pop ups. So, there was a trial and error to figure out where in Detroit it was received well. So, the more we started doing it, people knew about the food and we kept going.” “Konjo Me” means “Beautiful Me” in Ethiopian and reflects the inspiration behind the business to introduce

Detroiters to Ethiopian food, culture and history. “So, our goal was to educate people about Ethiopian food because there isn’t anything in Detroit. So, it wasn’t about just serving Ethiopian food, it was about educating people on what the food was, what it consists of, how to eat it, how healthy and nutritious it is for you.” She said Black women in business often get stereotyped as being too aggressive, but they should not let this misconception stop them from working toward their goals. “We are misunderstood in what we’re trying to put out there because we understand the lack of resources for Black people when it comes to Black products in general,” said Meluka. “I say to anyone looking to make something happen, ‘Be Bold!’” Increasing Access to Capital and Support Networks The

Michigan

Econom-

ic Development Corporation (MEDC), which offers business assistance services and capital programs for business attraction and acceleration, celebrates Black Business Month by highlighting the growth opportunities, initiatives and recent success stories for Black-owned businesses in Michigan Established in 2004, Black Business Month is celebrated each August to recognize Black-owned businesses across the nation and the enormous impact they have on America’s prosperity. Small businesses are the backbone of the economy, and in Michigan, MEDC is committed to providing support, resources and opportunities they need to grow and thrive. In May, Governor Gretchen Whitmer joined MEDC to announce that Michigan was approved for up to $236,990,950 in State Small Business Credit Initiative (SSBCI) funding

See BUYING

BLACK page A6

Buying A Home May Not Be As Out Of Reach As You Think, Even In This Market. Here’s How You Can Achieve Homeownership Buying a home is one of the most important purchases you will make in your lifetime, and the pressure is mounting for those looking to buy right now, with home prices fluctuating and mortgage rates at their highest levels in over a decade. While existing home sales have fallen month-over-month since the beginning of the year, prices still hit a record high above $400,000 in May, according to the National Association of Realtors, as low levels of housing inventory and supply chain constraints have created an affordability squeeze for homebuyers. Mortgage rates have nearly doubled in the last six months – from 3% in 2021 to close to 6% in 2022 – making it increasingly challenging for many Americans to purchase a home, especially for those with limited income. So, how do you know when you’re ready to buy a home?

to-income ratio may allow you to qualify for the best rates on your home loan.

More importantly, how much home can you afford? We sat down with Detroit’s Ken Corley, Community Home Lending Manager at Chase, to answer those questions and discuss what the current state of the market means for you and your family’s homebuying dreams.

Q: What are some tips for improving your credit score? A: There are a number of things you can do to improve your credit score, starting with reviewing your credit reports to understand what might be working against you. You can also pay down your revolving credit and dispute any inaccuracies.

Q: What are the main factors mortgage lenders look at when evaluating an application? A: When it comes to homeownership, your credit score and debt-to-income ratio are major factors in the application process. Your credit score is set based upon how you’ve used credit, or not used credit, in the past. Using credit responsibly, such as paying bills on time and having a low utilization rate will result in a higher score. Higher credit scores can help you qualify for the lowest interest rates. A score at 700 or above is gener-

Ken Corley ally considered good. Additionally, lenders look at your debt-to-income ratio. This is a simple equation of how much debt you have relative to how much money you make. Borrowers with a higher debtto-income ratio are considered more risky while a lower debt-

Additionally, there are services like Chase Credit Journey to help monitor and improve your credit score. Credit Journey monitors all of your accounts and alerts you to changes in your credit report that may impact your score. You’ll get an alert any time Chase sees new activity, including charges, account openings and credit inquiries. Chase will also notify you if there are changes

in your credit usage, credit limits or balances. You don’t have to be a Chase customer to take advantage of Credit Journey. Q: What are some factors that can affect the cost of a mortgage? A: There are several factors to consider when reviewing mortgage options including loan term, interest rate, and loan type. Potential homebuyers should contact a home lending professional to understand and review the options available to them. For example, there are two basic types of mortgage interest rates: fixed and adjustable. While adjustable rates are initially low, they can change over the course of a loan, so your mortgage payments may fluctuate. Loan term indicates how long you have to pay off the loan. Many homebuyers tend

See HOMEOWNERSHIP page A6


Page A-6 | September 21-27, 2022 | michiganchronicle.com

Buying Black From page A-5

from the U.S. Department of the Treasury. Headquartered at Grand Valley State University and representing a longterm collaboration between the Small Business Administration and the State of Michigan, the Small Business Development Center (SBDC) operates 11 regional offices and more than 20 satellite offices. The SBDC provides entrepreneurs and business owners with convenient access to consulting and training throughout Michigan at low or no cost. Quentin L. Messer Jr., MEDC CEO, told the Michigan Chronicle previously that success is vital to Michigan’s small businesses, especially those in Detroit. “We understand the importance that Detroit plays psychologically in the nation’s view -- how they see Michigan,” Messer said. “You’re not going to be successful in Detroit without having a strong working relationship with the Detroit Economic Growth Corporation (DEGC).” Inclusive economic development doesn’t happen by accident. Through intentional work done by the DEGC, local minority-owned businesses and others can reap the rewards of a stronger, more stable economy despite the pandemic, looming economic uncertainties and staff shortages. Kevin Johson, president and CEO of the DEGC, hangs his hat on the organization’s vision which firmly believes in steering the city’s economic develop-

ment for all since being appointed to his position in 2018. “Whether it was a large enterprise like Stellantis or Ford or a small business that covered our neighborhoods, our organization was developed and designed to help [businesses] make their first step on a path to success,” Johnson said of DEGC wins. The DEGC and Detroit Means Business (DMB) joined forces in 2020 to help small businesses catch up as the pandemic took root in Michigan. Now the DMB has broadened its focus and works to make Detroit a hub for small business success. This includes helping business owners with access to capital, addressing legislative issues that prevent business growth, providing skills training and e-commerce connectivity, driving diversity and inclusion and more, according to a press release. “In our business, if we didn’t know how to pivot, we wouldn’t necessarily be the agency we needed to be,” Johnson said. John Frazer, 65, of Redford, owns the Inkster-based used record store, The Sound Explosion. He said that after his retirement from Wayne County sewage and pump stations seven years ago, he wanted to go to his true love and his small business surviving COVID was no easy feat but well worth it. “It’s been great I enjoy it. I enjoy records and music.” Frazer, who owns the 2,200 square-foot, self-standing store on Middlebelt Road at the corner of Carlysle, said. “It didn’t do me too bad, still had to pay the bills but I didn’t have no rent payments -- that helped.” Frazer does mostly in-store sales and

Homeownership

(HOA) fees. To get an idea of what this may look like for you, use an affordability calculator.

From page A-5

While there is no way for a buyer to completely avoid paying these fees, there are ways to save on them. Some banks offer financial assistance for homebuyers. As an example, Chase’s Homebuyer Grant offers up to $5,000 that can be used toward a down payment or closing costs in eligible neighborhoods across the country. There may also be homeowners’ or down payment assistance offered in your city or state. Contact a Home Lending Advisor to learn about resources you may be eligible for.

to opt for a 15-year or 30-year mortgage, though other terms are available. A longer loan term generally means you’ll have lower monthly payments, but you’ll pay more in interest over the life of the loan. A shorter loan term may come with higher monthly payments, but you’ll likely pay much less in interest over time. Q: What are the costs of homeownership beyond the monthly mortgage payment? A: People often think of the down payment and monthly mortgage, but buying and owning a home carries additional costs. Closing costs, for example, can amount to up to 3% or more of the final purchase price. Other factors that could add on to your monthly payments are property taxes, homeowner’s insurance, and homeowner’s association

was closed for almost two years due to the pandemic but he’s still pumping out records, turntables and more. “I make a profit and also give good deals to people in the neighborhood,” he said, adding that people come from all over, including different countries. “They will come to hit the record shops in the area because Detroit is like the music capital; I have a great selection and great prices. … Like the old saying goes, ‘When you’re doing what you love you don’t work a day in your life.’ I live by that motto.” Since 2011, Hatch Detroit has worked with 49 alumni start-up businesses. In recent partnership with entrepreneurial hub, Techtown Detroit, it supports emerging entrepreneurs with training, funding and guidance in navigating the local market. Between 2020 to 2021, Hatch Detroit decided to hold off on its annual contest for new businesses and focused on supporting the 47 small and micro-businesses through the hardships of COVID. Out of the 47 client businesses, 58 percent are owned by people of color and 78 percent are women-owned. “We became very close, a lot of us

during that time,” said Vittoria Katanski, executive director of Hatch Detroit. “Just talking about fears a lot of the small businesses [had] at that time. Everybody has their fears of the pandemic and you add into it the fear of owning a business and then eliminating their resources. We tried to be their support base.” Along with temporary financial support with bills for overhead maintenance, Hatch Detroit also advised new business owners to reassess the architecture and layout of their brick and mortars to meet the changing demands during COVID. Hatch Detroit is currently working to help open 16 new businesses, of that 88 percent are run by people of color and 94 percent are run by women. “We are trying to keep up with what the recommendations were, like build out window walk ups for ordering or picking up, parking permits for carryout, open air seating and windows to allow for airflow,” said Katanski. “We really encourage businesses to think this might not just be a temporary issue, but something that might happen again, and to be proactive.”

Michigan Chronicle DIGITAL DAILY

Keeping You Informed At All Times Of The Day

For a deeper dive into this topic, our Beginner to Buyer podcast – episode three, “How Much Can I Afford?” is a great resource for prospective homebuyers to get answers to all their homebuying questions. Learn more about the homebuying process, here. Sponsored content from JPMorgan Chase & Co.

michiganchronicle.com | DQE


michiganchronicle.com | September 21-27, 2022 | Page A-7

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Page A-8 • michiganchronicle.com • September 21-27, 2022

COMERICA IN THE COMMUNITY

COLLEAGUE SPOTLIGHT

Linda Bridges While it’s common for Comerica employees to volunteer outside of work, Linda Bridges’ work translates directly to some of her community-related initiatives. Working for Comerica as a project manager and principal product manager for the last three years, Bridges supports the team that maintains the systems and applications that are at the heart of Comerica’s IT applications.

Comerica Helps Feed Community at Crossroads of Michigan

Over two dozen colleagues and family members covered the morning and afternoon shift during the annual Comerica Crossroads Sunday Soup Kitchen on Sept. 11 to help supports the organization’s effort to reduce food insecurity in the community.

“We make sure that we understand customers’ requirements,” Bridges said. “We give them the applications, the systems and the data that they need when they need it.That’s how we help the customer, that’s how we help Comerica…As we keep changing, as technology changes, we’re right there with them. We change our systems to keep up to date with the banking industry.” Before starting her position at Comerica, Bridges spent 36 years working in comLinda Bridges, project puter science at Genmanager and princi- eral Motors. She has pal product manager at shared her IT expertise through volunteer Comerica work with the Black Girls CODE Detroit Chapter, which a GM executive helped establish when Bridges was working there. The nonprofit introduces computer coding to young girls from underrepresented communities.

Crossroads of Michigan, which has been serving metro Detroit for over 50 years since its founding in 1971, supports the community at large by providing emergency assistance, advocacy, and counseling to anyone in need through both of its locations. Acting in partnership with many other agencies, parishes, hospitals, companies and organizations in the metro area, Crossroads offers assistance in the form of a hand-up by working with clients to meet their immediate needs and help them assess their situations to lessen the likelihood of future challenges. The Soup Kitchen at Crossroads (2424 West Grand Blvd) provides a hot, nutritious meal, to hungry, impoverished individuals and families every Sunday of the year from 11 a.m-2 p.m.

“I love to volunteer; I love to give back. I feel like I made it where I am because I had people who always helped me,” Bridges said. “I like working with youth; I like working with children where they get their start and give them that sense of belonging, give them that confidence to let them know they can do whatever they want to do.” Through Triumph Church, Bridges helps coordinate the Promiseland programming, which works to connect church-related lessons to students at all levels. She also helps the group organize events such as a harvest festival and field trips. Bridges also serves as a board member for Our Community Reads, an Ypsilanti-based organization that works to inspire a love of reading and academic confidence in children whose families face financial challenges while helping their parents become co-educators. The group also organizes field trips for the students. “I love working with children,” Bridges said. “The reward from them is priceless.”

Comerica Bank colleagues celebrating the 9th Annual Fiesta Tigres luncheon.

Comerica Bank Celebrates Latino Baseball Players at 9th Annual Fiesta Tigres

On Aug. 19 Comerica’s Michigan Hispanic Business Resource Group joined the Detroit Tigers in recognizing and honoring the contributions of Latino players and coaches to the game of baseball at the 17th annual ¡Fiesta Tigres! Celebration at Comerica Park. The festivities began with the 9th annual ¡Fiesta Tigres! Luncheon where the Hispanic BRG team invited both business and community lead-

ers to join the Comerica table and the baseball game that took place later that day. Those who attended the game were encouraged to arrive early to enjoy music and dancing on the Comerica Park concourse to celebrate Latin American culture. Detroit minority-owned restaurant Shell Shock’d Tacos was onsite selling “Detroit’s finest tacos” all weekend long. The Tigers hosted

a pregame ceremony to honor the club’s current Latin American players and coaches, and celebrated Cuban native Barbaro Garbey, who played on the Tigers’ 1984 World Series championship team. The parade of flags was led by youth baseball players from southwest Detroit. To learn how you can support Comerica’s community outreach efforts, visit comerica.com.

Bridges’ efforts to support youth literacy continue through her volunteer work with Comerica.When Bridges and other Comerica employees worked with a local chapter of the Lions Club International Foundation, which works to fight diabetes, hunger and childhood cancer while helping the environment and promoting healthy vision, volunteers were given Amazon gift cards to purchase books for children in various age ranges. The books were then donated to low-income children. After working for many years in the automotive industry, Bridges says she finds it exciting to learn what happens behind the scenes of everyday banking functions. She also said she appreciates that Comerica elevates women and champions diversity programs. “They don’t just talk it; they do it. They have many programs and volunteer events. The people are really nice,” Bridges said. “I like the company as a whole – how they treat a person, the opportunities they provide, and just the excitement.”

For more information on how Comerica colleagues are giving back to our community, visit

www.facebook.com/Comerica. Comerica colleagues met up with Detroit Tigers Latin players, coaches and legends.

Dancers take to the Comerica Park field in celebration of Latin American culture.

Comerica Bank’s African American BRG Helps Raise Funds for High School Girls

This year, through Comerica Bank’s Michigan African American Business Resource Group, the bank served as a bronze level sponsor of the Lansing/East Lansing Links, Inc. 11th Annual White Rose Gala and 50th Anniversary celebration of the chapter. Since 2013 Comerica has contributed $5,000 to support the Lansing/East Lansing Chapter of The Links, Inc.’s White Rose Gala. “At Comerica, our greatest pride as a bank comes from investing in the diverse communities we serve,” said LaToya Rowell, Comerica Bank’s vice president and community affairs manager. “By supporting the Lansing/East Lansing Chapter of The Links, Incorporated’s Annual White Rose Gala, we are investing in the next generation of leaders who are making an impact by contributing to the Lansing and East Lansing community in a meaningful way. Helping to acknowledge their accomplishments is just one way we are able to raise the expectations of what a bank can be.” During the annual dinner event, The Links recognized a Young Professional Leader, Cameo King, and an Outstanding Organization in the community, United Way of South-Central Michigan-Capital Area, Women United Program. Cameo King is the chief executive officer of The Good Girl Podcast, a national multi-media platform, known for touching the lives

Comerica representatives and attendees alike at the 11th Annual White Rose Gala and 50th Anniversary Celebration of The Links chapter.

The Lansing/East Lansing Links, Inc.’s 11th Annual White Rose Gala and 50th Anniversary Celebration of The Links chapter. of women across different races, incomes and walks of life. The podcast provides though-provoking conversations that address some of the deepest, unabashed thoughts of the modern-day woman. Women United, a program of the United Way of South-Central Michigan-Capital Area, is one of

the organization’s many programs that mobilize a powerful network of women who strengthen our community through philanthropic investment, engagement and volunteerism as well as the influencer of a collective vision to improve the lives and future of girls. This year the event raised more

than $60,000. Money raised are used to fund scholarships for local high school seniors and their new leadership program for high school girls. Funds are still being accepted to support scholarships and the chapter’s mentoring program for high school girls. “The Lansing/East Lansing chapter of The Links, Incorporated is proud to celebrate 50 years of programming with impact in the Greater Lansing Area,” said Mable Martin-Scott, chapter president. “Through the lens of our five facet areas – Services to Youth, Health & Human Services, International Trends & Services, The Arts and National Trends & Services – we have provided valuable and transformative public service. We look forward to keeping this commitment and collaborating with Comerica Bank and other partners, as we continue to strive for an improved quality of life for those in our community. We are excited about moving forward in our longheld tradition of friendship and service over the next fifty years.” The Links Incorporated is one of the Nation’s oldest and largest volunteer service organizations. It has a proud history of service, not only in the community, but communities throughout the world. Its membership consists of more than 16,000 professional women of color in 300 chapters, 42 states, the District of Columbia, the Commonwealth of the Bahamas and the United Kingdom.

Chef Ameneh Marhaba poses with her cooking utensils.

Hatch Detroit Winner Hosted Pop Up at FRAME in Hazel Park

Ameneh Marhaba of Little Liberia served as featured guest chef for two days earlier this month. To preview the tastes of Liberia coming to Detroit, Frame in Hazel Park hosted a pop-up Liberian Dinner Party Experience with Little Liberia.The menu consisted of a variety of Chef Ameneh’s Liberian specialties including street food beef skewers, sweet plantains, Liberia’s celebratory dish, check rice and gravy, as well as Chef Ameneh’s mother’s coffee cake. This year, Comerica Hatch Detroit named Ameneh Marhaba, owner of Little Liberia, the winner of its tenth annual Hatch Off competition. As the winner she received a $100,000 business grant from Comerica Bank and pro bono support from Hatch Detroit and TechTown Little Liberia is an Afro fusion pop-up restaurant looking to find a permanent space to introduce Liberia’s rich multicultural cuisines to the people of Metro Detroit. It serves authentic Liberian dishes, a cuisine whose heritage is a mixture of African, Caribbean and Antebellum-South African American influences. To learn more ­HatchDetroit.com.

about

Little

Liberia, visit


City ity.. Life ife.. Style. Where City Meets Life and Life Meets Style

B1 | September 21-27, 2022

michiganchronicle.com

The IG Effect: Get Social and Make Money Off the ‘Gram By Sherri Kolade The typical salary for a social media influencer is about $52,000 a year in the United States. Who needs to clock into work when there’s money like this to be made? With thousands of social media influencers growing by the day it’s not hard to see why many are interested in perfecting their post, earning more followers, growing in popularity and making a few bucks along the way. According to a Forbes article, the latter is possible, and making a nice profit with posts can begin with not only name recognition but also building old-fashioned trust in the increasing digital age. Forbes reported that per a recent survey conducted by IZEA Worldwide (an online brand-publisher marketplace for influencers), 63 percent of the survey responders found their favorite influencer content to be more interesting and trustworthy in comparison to traditional, or scripted, advertising. The article added that numerous social media consumers can benefit from such influencer trust as 56 percent of survey responders noted they bought an item from a sponsored or paid social media post from an influencer they “know” even if they don’t have a personal relationship with them or met them in real life. Nerdwallet.com added that developing a posting prowess where influence and financial stability meet comes with doing more than just sharing photos and videos. “Companies are attracted to dedicated communities on the social networking app, even ones that number in the low thousands,” Nerdwallet.com reported. “If your followers fit the profile of consumers that a brand is trying to reach, you may be able to make some money. Not interested in going the influencer route? Try selling your products.” Nerdwallet.com reported that there are five primary ways to earn money on Instagram: • Get sponsorship • Promote your own business • Sell your items Earn badges through live videos (money earned directly from one’s audience when the influencer shares real-time videos with Instagram’s Live feature). Monetize videos with ads The article added that the top five Instagram influencers as of April 2021 have over 200 million followers each, including Cristiano Ronaldo, Ariana Grande, Dwayne Johnson, Kylie Jenner and Selena Gomez, according to Search Engine Journal.

By Sherri Kolade

H

airstylist and restoration expert Nastasha Burrell, 35, doesn’t play when it deals with dabbling in the beauty industry, dipping more than her pinky toe in.

The multi-hyphenate owner of Eastpointe-based Stamped Salon and Spa, and founder and CEO of Bloom Elements haircare line, goes all in with precision and calculated execution with her work and envisions a bright, recession-proof future for herself, her family and her business due to inspiration from an unlikely word, “No.” The self-described serial entrepreneur, investor and mother of two young boys (seven and one) said that others have doubted her ability to shine and run her businesses and she has overcome their negativity by winning and she explains why, too.

What does it cost to be an influencer? One with a million followers can make about $670 per post, the search marketing website says in the Nerdwallet.com article. An Instagram influencer (with 100,000 followers) can make about $200 per post, and someone with 10,000 followers can make about $88 per post.

“[It’s for] my sons,” she told the Michigan Chronicle recently. “I do everything. I have real estate. … I’m letting them know they can do anything they want to do -- be anything they want to be. Don’t let anyone tell you [what you] cannot do. Too often I’ve been told what I cannot do. The shop is too big. [My] product is too large. I’m going to show you guys.”

“So, the formula is: more followers + more posts = more money,” according to the article.

Burrell, who also has a hair extension line, Naked Strands, recently celebrated the fifth anniversary of her sprawling 3,600-square-feet Stamped Salon and Spa in Eastpointe.

Neil Patel, a widely respected digital marketing specialist, says that engagement with followers who like, share and comment is the ticket. “Even if you have 1,000 followers who are engaged, the potential to make money is there,” he said in his blog.

Show us she did.

“That was the birth of my haircare products, Bloom Elements, that started in 2019,” she added. “It focuses on hair restoration.”

Local social media influencers gave their two cents on what makes it all worthwhile.

With over 22 years of expertise in the hair restoration specialty field, Burrell said that she saw a major need of specialized hair restoration, which she offers through a wide range of hair products including a treatment mask and clarifying shampoo available in her salon and online at shopbloomelements.com/ products.

Lauren Gillon of Detroit, better known as Elle The Foodie (@ellethefoodie and @

“I saw the need to fill a void in our culture where women are thinking their hair can’t grow or won’t grow

Where’s the fun in it though?

or something along those lines,” she said. “It’s almost like I had to create that product that is what prompted me to get it done. It is equipped with hair oils, heat protectants and treatments for all hair types.” The Bloom Elements Hair Restoration System was created to promote healthy hair growth, according to her website. It was designed by professional cosmetologist Burrell who created a professional-grade product line that can be used by both the stylist and the consumer. The products are packed with exotic and organic extracts, all vegan, sulfate-free and paraben-free. Years later while coming up against the pandemic, a looming recession and inflation, Burrell said that she keeps pushing even in an uncertain economy despite it all. “What I’m doing as far as recession-proofing for my salon is offering commission-based stylists [as an option],” Burrell said, adding that she has staff on hand all the time, and her services include walk-ins. “What that does is let people know we’re here and we’re always getting walk-ins.” Entreprenuer.com reported that the beauty industry as a whole has had to make adjustments overall, too, as beauty standards have slowly changed with more Zoom meetings, work-from-home schedules and shifting priorities. Despite the long-lasting impact of beauty standard changes, Burrell said that some things will remain. “One thing women are going to do is take care of their hair -- if they have to sacrifice on some other things, they’ll definitely make sure their hair is intact,” she said, and for good reason. “This is one of the investments [of] investing in yourself. We all deserve to feel beautiful no matter what.” One national article said that changes in the beauty industry are felt all across the nation whether people continue to pamper themselves or not. “Customers are not willing to give up their beauty purchases,” Kohl’s CEO Michelle Gass recently told The Associated Press, WXYZ reported. “People need

See BLOOM ELEMENTS Page B-2

See IG EFFECT Page B-2

Jojo’s ShakeBAR Announces Grand Opening in Detroit JoJo’s ShakeBAR is the next-generation restaurant and bar, taking over The District Detroit at 88 W Columbia St., as the go-to spot before and after those Red Wings and Tigers games, or shows at Fox Theatre. JoJo’s fully immersive dining experience offers the perfect date night, unique group outing, or fun family affair. Grounded in nostalgia, JoJo’s ShakeBAR will leave kids in awe and transport adults back to the 80s/90s with arcade game tables and a walk-up window for sports fans on the run. JoJo’s will open on September 24th bringing over-the-top Biggie Shakes, classic diner fare, and elaborate cocktails to Columbia Street. JoJo’s is thrilled to make Detroit its first home outside of Illinois and plans to pay homage to Motown’s celebrated musicians, including Madonna, Eminem, and Diana Ross, as well as sports icons like Barry Sanders and the local favorite, Faygo pop. But this modern diner could never forget its roots, showcasing Chicago-style hotdogs, like the “Triple Dog Dare You” and the “Chicago Handshake,” an Old-Style beer paired with a shot of Malört. JoJo’s is the first of its kind in Detroit, offering guests an opportunity to relive their childhood through retro arcade

See JOJO'S SHAKEBAR Page B-2


Page B-2 | September 21-27, 2022 | michiganchronicle.com

JoJo's ShakeBAR From page B-1 games, nostalgic movies, and throwback menu items. Snap a picture of its instagrammable murals and old-fashioned milk bottles or slide into a same-sider booth and sing along to a favorite throwback jam for the perfect first date. Giant salads, gluten-free wraps, and various vegan options flank the menu, but JoJo’s is no place for a diet! Before indulging in decadent treats, guests are encouraged to try dipping the Loaded Grilled Cheese into JoJo’s signature tomato bisque or adding buffalo chicken to the Baked Mac N Cheese. One simply cannot leave JoJo’s without dessert, so

IG Effect From page B-1

homegirlkitchen) told the Michigan Chronicle that as a food blogger on multiple platforms she finds her footing by doing what she does best – being herself. “Authenticity,” she said, is key. “Don’t change your persona for a following, people notice the difference. Be true to who you are, work hard, and the right people will support and follow your brand.” Gillon added that finding someone a social media influencer is passionate about (and sticking to it) goes a long way. “I’ve been sharing my journey for a couple of years now and it’s inspiring to see how many people notice your growth as a creative.” He already got a blue checkmark by his name. Detroit-based rapper Kid Jay (@kidjay on IG, YouTube, Facebook, and TikTok) known for being a positive rapper, is a big influence locally and he’s growing in popularity nationally, too. The Stellar Award-winning artist (in song collaboration with the Detroit Youth Choir) told the Michigan Chronicle that he raps about good things with a dope beat attached. “I make rap music without the violence and the curse words [minus] the negative message that rap has nowadays,” Jay, who has over 50,000 followers on Instagram, said. “I basically teach the kids if they want to do music or do something, they don’t have to follow that narrative -- they can be themselves and go about it a different way.” Jay is also a big advocate for children with autism and he has big plans soon including a desire to build a high school for students with autism. “My little brother is autistic and my ultimate goal (when I’m) big enough with music is to start an autistic high school named after my late grandmother,” he said of the potential Ypsilanti-based high school. “It would be the Shirley C. High School.” Jay, 23, who hails from Ypsilanti, said that he hopes to fulfill his big dreams in the next two to three years before

Bloom Elements From page B-1

to feel good at this time with so much pressure on them.” “Beauty businesses of all sizes ended up making drastic changes to their sales and marketing plans in order to weather the storm and ultimately survive,” an Entreprenuer.com article stated. “The pivots made way for a ‘new normal’ within the beauty space and sparked a shift in perspective as well.” Some brands developed more online presence with their products similar to Burrell’s hairline and hair product line. “Right away, we realized that the value of at-home care and little luxuries was going to go up, so we began showing our customers how our products can help them still create enjoyment despite a trying situation,” says Julie Longyear, founder of Blissoma, a holistic and botanical skincare brand, in the article. “For us, 2020 was our launch year,” said Lela Kelly, founder of Volto Urbano, a climate-defense skincare brand, in the article. Her efforts were eclipsed by the growing pandemic, and by March, they were completely dead in the water. Seeing that traditional launch channels were closed in a completely unique business-disruption environment, she and her team explored alternatives to penetrate people’s minds, including philan-

indulge in one of its extravagant Biggie shakes, milk bars, or overflowing hot chocolates, guaranteed to satisfy any sweet tooth. As the saying goes, “Life’s Short, Eat Dessert.” Take the tailgate to JoJo’s outdoor patio before or after the big game. Or find the perfect hangover cure with JoJo’s Boozy Brunch, served all weekend long. JoJo’s pairs with The District Detroit like Biggie Shakes with fries. JoJo’s ShakeBAR will be located at 88 W. Columbia St, and open Sunday Thursday 11am - 11pm, and Friday and Saturday 11am - 12am. Reservations will be available on OpenTable, although walk-ins are welcome. For more information, visit www.jojosshakebar.com and follow us on Facebook and Instagram @ jojosshakebar. his middle-school-aged brother reaches high school. “With all due time and God, hopefully, I get there.” Jay, who performs throughout metro Detroit, just dropped a song, “Body Bag” and it’s not what you think. “It’s about me going in the booth and pretty much destroying the beat like I always do,” he said. “When I’m rapping, I always feel at home. I’ve always looked at it as a form of expressing myself.” Jay said that he inspires others through his multiple platforms so that they can be what they want no matter the obstacle.

When you need care right away

“When I was younger, I had a bad stuttering problem and I got bullied a lot – I never knew how to express my feelings and when I could rap, I put my emotions into music. That is why It means so much to me -- my music speaks volumes about me.” Elisha Little, 21, of Detroit, who goes by Elisha Antoinette (@elisha.antoinette on IG and TikTok) is a semi-new blogger and told the Michigan Chronicle that she started blogging recently as a way to write out how she feels. Though on TikTok, too, she blogs, as a way to share her daily life with her thousands of followers. “I kind of sat on the idea for a few years because I was like, ‘Who still reads blogs other than myself?’” She told the Michigan Chronicle that launching her blog site in early August (she posts every Sunday) is going well. On her TikTok platform, which she’s had for a year, is where she shares her life as a student at Wayne State University and as an employee at a local mortgage lending firm where she works as a social media coordinator intern. She encourages people who are looking to blog to not only think about ways to make money but to “enjoy the journey” no matter the numbers. “You may see people with a lot of followers and it can be discouraging if you’re not doing super well all the time. Post your content anyway,” she said, adding to be mindful of what you post no matter how much the topic may be trending. “Always be super careful about what you’re posting and protect yourself.” thropy, multiple advertising approaches and original content creation. But she said “Despite our best efforts, we were not making a dent. All through the process, we have continued to refine what resonates with our existing and soon-tobe customers.” Burrell said that what continues to sustain her, too, is her company’s large organic following that grew as her products’ popularity grew over the years. “We have really great reviews,” she said. “We get the traffic [without heavy social media influencers and have] been featured in a few magazines and had an article in Cosmopolitan magazine.”

Choose Ascension St. John Hospital ER with a Comprehensive Stroke Center Broken bones, signs of a heart attack or stroke, difficulty breathing or other life-threatening symptoms — don’t delay when you or a loved one needs emergency care. When you need care right away, the Ascension St. John ER and Level I Trauma Center are here for you 24/7, close to home. And we’ll connect the dots to any follow-up care, including lab, imaging, specialty care and Ascension Rx or your preferred pharmacy.

Find your nearest Ascension ER at ascension.org/MICare If you are experiencing a life-threatening emergency, go directly to the ER or dial 911.

Ascension St. John Hospital 22101 Moross Road Detroit, MI 48236

Burrell added that at the end of the day mothers especially need to feel good about themselves and taking care of their hair is critical to that. “Oftentimes moms or just whoever are overlooked when they are doing everything and being superwomen,” she said adding that she has noticed a difference in her clients when they leave her salon, which is priceless. “They walk out with the bounce, the sway, the confidence. It’s an environment; it’s a culture. It’s a community. [We] really help you feel a part of us, not just coming to get a service.” For more information on Stamped Salon and Spa visit facebook.com/stampedsalonandspa. For more information on Burrell’s product line visit shopbloomelements. com.

© Ascension 2022. All rights reserved.


michiganchronicle.com | September 21-27, 2022 | Page B-3

Detroit Supply Schedule Contract Opportunities SEPTEMBER 28, 2022 | 5:30-7:30 PM

Hosted by:

TONI LIMMITT

The City of Detroit is seeking companies looking for an exciting opportunity for growth and success. If your company is based and/or headquartered in Detroit and specializes in the following areas, please attend this outreach.

MARY SHEFFIELD

GABRIELA SANTIAGO-ROMERO

DANASIA NEAL

PRESENTERS Toni Stewart-Limmitt

Deputy Chief Procurement Officer, Office of Contracting and Procurement

Mary Sheffield

Supply Schedule Topics:

Grounds Maintenance Janitorial Security Moving Services Medical Supplies

Detroit Metropolitan Airport Concessions

City Council President, District 5

Gabriela Santiago-Romero City Council Member, District 6

Danasia Neal

WAYNE COUNTY COMMUNITY COLLEGE

IN-PERSON EVENT DISTRICT DOWNTOWN CAMPUS

Business Opportunity Manager, Civil Rights, Inclusion and Opportunity Department

1001 W.PARK Fort AND St. - Room 262 PATTON RECREATIONAL Detroit, MI 48226 CENTER GYM

Plus speakers from Ground Services, Demolition and various city departments

Opportunity Rising

2301 Woodmere Street, Detroit 48209

REGISTER AT BIT.LY/DSSCO3 Register by Sept. 21 for translation services

Detroit Metropolitan Airport Concessions

J b Fair Restaurant & Retail

Now Hiring All Positions!

On-theSpot Interviews

Tuesday, September 27 10 AM - 2 PM | NOMADS

10100 Middlebelt Rd., Romulus, MI 48174 | Free on-site parking Benefits: • Full-time and part-time positions • Various shifts • Competitive pay • Growth opportunities Requirements: • Must be at least 18 years old • Bring two pieces of identification (valid state-issued driver’s license/ ID card and original birth certificate/Social Security card) More Information: • Call 734.942.3751, email concessions@wcaa.us or visit metroairport.com. All job offers made during the fair will require successful completion of an airport background check.

Michigan Chronicle DIGITAL DAILY

Keeping You Informed At All Times Of The Day michiganchronicle.com | DQE

Scan for more information!


Page B-4 | September 21-27, 2022 | michiganchronicle.com

T:10"

T:21"

HBCUs are more than a place for higher education They are a legacy, a place you become your true self and where past generations uplift you to your destiny. It's your family's history and your community’s future. It's your HBCU. Xfinity recognizes the legacy, harmony, necessity, and impact of HBCUs. And as the world changes, the more we must remain connected to the culture. Just say, "Black Experience," into your Xfinity Voice Remote to experience more HBCU.

Visit xfinity.com/blackexperience to learn more.

Restrictions apply. Not available in all areas. Requires Xfinity TV with X1 and compatible TV box or Xfinity Flex and Xfinity Internet. ©2022 Comcast. All Rights Reserved.


Classifieds ANNOUNCEMENTS REQUEST FOR PROPOSALS The Suburban Mobility Authority for Regional Transportation (SMART) is soliciting proposals for Revenue Processing, Fareboxes for RFP Control No. 23-3684 may be obtained beginning September 22, 2022 from http://www.mitn.info. Responses to RFP are due by 3:00 PM ET, October 28, 2022.

PROFESSIONAL HELP WANTED Product Manage – Telematics & Network Services Warren, Ml (or Anywhere USA), General Motors. Capture &assess Vehicle Communication Platform (VCP) & T elemalics Control Platform (TCP) application logs, back-end network &mobile network app logs, &modem diagnostic logs, using Auto Test Tool (ATT), Qualcomm Extensible Diagnostic Monitor (QEDM), Qualcomm Analysis Toot (OAT), Wireshark packet &protocol analyzer, &internal GM tools. Evaluate captured CAN, GM LAN, Automotive Ethernet, &LIN serial data communication records of vehicle telematics systems based on AUTOSAR standards. Interface w/ technical teams to ensure aligned understanding, clear requirements, &integrated execution plans. Execute engrg projects impacting embedded telematics device &connected feature apps w/ multidisciplinary teams, in accordance with GM GVDP milestones. Develop &implement solutions for telematics connectivity, performance, &reliability issues. Record &track telematics design flaws in PRTS &ESIMS &work w/ cross-functional teams &suppliers for resolution. Master, Electrical, Mechanical, Mechatronics, or Automotive Engrg. 12 mos exp as Engineer or related, capturing &assessing VCP or TCP app logs, mobile network app logs, &modem diagnostic logs, using ATT, OEDM, &Wireshark packet &protocol analyzer, or related. Remote: This option does not require employee to be on-site full-time to perform most effectively, The employee’s role enables them to work off-site on a permanent basis. Mail resume to Ref#4466, GM Global Mobility, 300 Renaissance Center, MC:482-C32-C66, Detroit, Ml 48265.

Vehicle Systems Engineer – Chassis & Active Thermal Management (CATM), BEV Warren, Ml, General Motors. Identify, evaluate, support &select technical &budget solutions of US, global, &emerging market gasoline ICE &BEV truck & sport utility vehicle (SUV) System Management Team reqrmnts, performance &issue escalation processes for CATM subsystems incldg (chassis) braking, suspension, steering, &engine/suspension mounting syss, &cooling/AC syss, coolant/refrigerator modules, &radiators. Support &coordinate Design Release Engineers to design, validate &release production parts to comply w/ program dates &production design intent, using Siemens NX &Tc Vismockup tools. Recommend &generate feasible CATM solutions to achieve vehicle proposed reqrmnts &performance. Coordinate SMT engineering impact responses for Program Content Change Requests. Conduct System Status Review meetings to track progress &capture issues requiring escalation. Provide program inputs to Component (CTS) &Subsystem (SSTS) Technical Specs development Required travel to vehicle assy plants in Ml, TX. KS &MO to evaluate &ensure proper installation of automated equipment, up to 8 wks P/A. Bachelor, Mechanical, Automotive, or Electrical Engrg, or related. 36 mos exp as Engineer, engineering &developing truck &SUV chassis structure systems or mounting systems using NX & Tc Vismockup tools, &engineering or developing CTS &SSTS, or related. Mail resume to Ref#21883, GM Global Mobility. 300 Renaissance Center, MC:482C32-C66, Detroit, Ml 48265.

michiganchronicle.com | September 21-27, 2022 | Page B-5 ANNOUNCEMENTS

INVITATION TO BID The Detroit Brownfield Redevelopment Authority invites experienced, well-qualified, and licensed General C ­ ontractors with qualifications to submit a Bid to construct truck storage yard of 53’ by 139’ at the southeast corner of Jefferson and Terminal Street. The deadline for the Requests for Proposal will be Tuesday, October 4, 2022 at 11AM EST. Responses must be submitted via email to orobertson@degc.org. Requests for Proposal packages will be available on or after Friday, September 16, 2022 via the DEGC website at www.degc.org/rfp and https://www.bidnetdirect.com/mitn/ detroiteconomicgrowthcorporation. A Pre-bid conference will be held on Thursday, September 22, 2022 at 10AM via Zoom Conference: https://us06web.zoom. us/j/86829882935?pwd=Znhzc3EvdkNmZ2tVbEREa1R2aDdEUT09.. Bidders shall comply with the prevailing Equal Opportunity and Labor Standard Provisions of the City of Detroit. Each Bidder must also demonstrate its ability to obtain Income Tax Clearance from the City of Detroit as a condition of award ability.

HELP WANTED Department: Fire Department Location: Ferndale Fire House Salary Range: $54,170 - $79,443 FLSA: Non-exempt/Union Employment Type: Full Time

The City of Ferndale is seeking firefighters—aka superheroes, lifesavers, educators, and general doers of awesome things! Firefighters serve and protect the community. Our firefighters are first responders, combating and extinguishing fires; performing rescues, hazmat responses, and life support functions; and engaging in other specialized duties under emergency conditions, frequently involving personal hazard and/or severe weather conditions. Must have completed the written firefighter test with EMPCO and have a valid CPAT. Preference will be given to those applicants with a paramedic license, valid in the state of Michigan. Lateral pay is available. Medical, Dental, Vision, Life, FSA, and Retirement Plans are also available. For a full list of qualifications and to apply, go to https://www.ferndalemi.gov/jobs

U

(StatePoint) When your bank account balance is low, life can be stressful. For example, when it’s time to pay large expenses that can’t wait, like car loan payments or monthly rent, it’s all too easy to overdraft a bank account. In fact, U.S. consumers pay billions of dollars a year in overdraft fees for covering all types of purchases, both large and small.

Some have taken steps to address overdrafts, mostly by eliminating fees or eliminating the ability to overdraft completely. Alternatively, PNC Bank now offers a solution that provides customers with greater control in these circumstances. Low Cash Mode, a tool that offers transparency and choices to help customers avoid fees by managing low-cash moments or mistimed payments, is a feature available in the PNC Virtual Wallet account through the PNC Bank Mobile app. The feature notifies you when your available balance is near or below zero and gives you at least 24 hours (and often more) to bring a negative balance to at least $0 through a deposit or funds transfer before incurring a fee. It also gives you the choice of whether to pay or return certain pending checks and electronic payments when your balance is nearing negative territory. The Value of Overdraft The ability to choose to overdraft can help consumers avoid bigger repercussions like credit impacts and loss of access to banking that unpaid bills or late payments can cause. Allowing customers to make their critical payments – albeit for a small fee – sometimes makes a difference that helps allow them to stay in the banking system.

Employment Opportunity CITY OF EASTPOINTE Police Officer Salary - $52,565 - $77,860

To review the job description and to apply, please visit our Employment Opportunities web page at https://www.governmentjobs.com/ careers/eastpointemi

How to Get a Handle on Overdraft Fees There is no doubt that overdraft fees serve as a pain point for many consumers, and as the issue of overdraft continues to be discussed and debated, several banks have taken different approaches in response.

HELP WANTED

Under the supervision of a superior officer, performs responsible law enforcement and patrol work. Works to maintain order, regulate traffic, protect life and property and prevent crime and disorder. Provides assistance at the scene of accidents, fires and other emergency situations. Performs related work as required.

PHOTO SOURCE: (c) GaudiLab / iStock via Getty Images Plus

For example, if you opt to pay your rent or car payment – and avoid a penalty or a negative impact to your credit score by simply paying an overdraft fee – then the option to overdraft has provided a value.

Please visit our website for more classified ads. www.michiganchronicle.com

“Removing the ability to overdraw an account doesn’t address the fact that many customers need to pay bills, even during temporary cash shortfalls,” says Alex Overstrom, head of Retail Banking at PNC Bank. “The key is that the consumer should be making the decision to incur or avoid fees, not just the bank.” Control Pays Off This level of control has demonstrated real results. PNC reports that 64% of customers who have a negative-balance event cure their account in time to avoid incurring a fee. “Sometimes people just need a little more time to cover important expenses,” says Overstrom. “And in these moments, they should have choices to make things right.”

FAMILY FEATURES

pgrading your home design is an

oppor­tunity to tap into new color schemes. Knowing what shades are trendy and how different hues can work together for a cohesive design is an important step in creating an attractive design aesthetic. While you might turn to family or friends for inspira­tion for your next DIY project, another resource for collecting concepts and options to upgrade your space is the internet. Consider the Valspar Color-verse, which allows visitors to explore colors in a unique way and offers paint color inspiration and decor trends they can envision within their own homes. The interactive virtual home showcases the latest paint and design trends so you can get creative for your next project. After experiencing the Valspar 2023 Colors of the Year firsthand by painting walls and art from the collection to see the 3D virtual house come to life, you can find the perfect paint shade for your space. “Through the Color-verse, visitors can exper­ience the 12 Colors of the Year in a realistic virtual home,” said Gus Morales, vice president of brand marketing for CBG Sherwin-Williams. “Aside from exploring the Colors of the Year, the home is an engaging space for visitors to create art, play games and order paint chips to see how their top color picks look and feel in their homes.”

Color Trends to Consider

Many of this year’s popular natureinspired designs are all about finding comfort, embracing a flexible lifestyle, rediscovering joy and leaning into the growing DIY movement. The most trendworthy, forward-thinking and livable colors reflect specific facets or emotions of life so you can update your well-used spaces with thoughtful colors that evoke positive energy and lasting change.

Navigate New Colors

Comfort and Contentment: If your goal is to create a space that envelopes you in a sense of comfort, consider a white with a yellow undertone that makes a space cozy like a soft blanket, like Cozy White from Valspar. Complement the softness with a muted clay that brings in brown undertones that suggest gentle contentment.

Connections and Joy: Establish spaces where you can celebrate relationships with others, the world around you and happiness in your being. Consider hues like a white softened by a violet undertone, a harmonious shade promoted by digital connectivity. Evoke joy with a dependable classic tan that features a yellow undertone suggesting new life with uplifting qualities.

Calming Restoration: Tap into the calming tones of nature with a hazy green that has duality, which brings in both the calm and liveliness of the great outdoors. Another option is a deep midnight blue used as an elegant calming shade to restore mind, body and home.

Natural Balance: Bringing hints of the outdoors into a well-loved living space creates a soothing ambiance. Consider a warm neutral brown tone inspired by the shades found in nature or a cooled down blue that strikes a beautiful balance between cool and warm shades in your design.

Healthful, Mindful Living: Create an uplifting space where your wellness is a priority. Evoke a greater sense of health consciousness with a light blue that has a dose of softness used as a fresh neutral with uplifting qualities of a modern pastel, like Valspar’s Rising Tide. Reinforce the benefits of mindful living with a cool gray that is balanced by the warmth of the yellow undertone, a natural hue like a cotton muslin cloth.

Inspirational Thought: A work-from-home or crafting space needs color to inspire great thinking. Try a faded natural terracotta that sparks individuality and warmth or a deep blackened olive, an on-trend neutral that embodies charm and sophistication.

Explore the tool and find more colorful ideas at Valspar.com.

Exploring color options before you apply them to a home improvement or design project gives you the chance to experience and visualize different styles before you fully commit. Using a tool like Valspar’s Color-verse, a 3D virtual home, you can experience on-trend color palettes that inspire your next big project through resources like: n

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An interactive feature that allows you to repaint walls of a living room, dining room, bedroom, bathroom, kitchen, walls and cabinets using the 12 Colors of the Year then takes you directly to the site to order free paint chips to try at home An artistic element where you can create a 3D panorama nature scene, explore others’ artwork and share creations on social media A light-hearted game that inspires you to get on the road to gather your home improve­ment essentials


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