׉?4ׁB! בCט  (u׉׉	 7cassandra://Gm5RACKH4cQGhOK9SanTUwMTT4Mby21xQbOqxxOBijc 9u`׉	 7cassandra://-GBAq8aQXfwqEhCyhIdIr93VTkQterPXVaiWVbXcx80n`s׉	 7cassandra://78Ue-T_o_FgRcSr_Yi2lvEgFnNhW9gY-_UaALh1_At0'%` er4h@ט   (u׈   U  נer4h@ށ  7D9׉H !https://www.molinahealthcare.com/Gׁׁr׈Eer4h@׉E December 2023
THIS EDITION OF URBAN
EXPERIENCE MAGAZINE IS
BROUGHT YOU BY:
Congratulations
You Did It
Iowa African
American Hall
of Fame
HOW
MISINFORMATION
MAY THREATEN
THE 2024
ELECTION
1
׉	 7cassandra://78Ue-T_o_FgRcSr_Yi2lvEgFnNhW9gY-_UaALh1_At0'%` er4h@er4h@(בCט   (u׉׉	 7cassandra://rypuyAWIrmjTG1DDUYdRKtNTzCX9YoE2fggGFXxrTJI `iq׉	 7cassandra://YL1Url23davKh7x5SYuVc3wfNAMMzPX04q_7u2KQuZw`׉	 7cassandra://-e8Smg8qg1KtCOydMVnJDnPVptWh1YxAoqcrX2zs25kI` er4h@נer4h@ ؁T9ׁHhttp://LosRos.comׁׁЈ׉EWRITERS & STAFF
CONTRIBUTORS
Donnetta Austin
Debra Carr
Courageous Fire
Celeste Lawson
Gary Lawson
Caleb Thomas Lenore Metrick-Chen
Editor-In-Chief
Dwana Bradley
Creative Director
Nikki Goldman
LosRos Graphix
LosRos.com
Gianni Berry
Bert Moody
Lori Young
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׉	 7cassandra://-e8Smg8qg1KtCOydMVnJDnPVptWh1YxAoqcrX2zs25kI` er4h@׉ESUMMARY
4 EDITORS MESSAGE
6 CONGRATULATIONS YOU DID IT
11 HOW MISINFORMATION MAY
THREATEN THE 2024 ELECTION
6
14
28
*PHOTO CREDIT TO PEXELS AND FREEPIK
3
15 ALZHEIMER’S ASSOCIATION
OFFERS HOLIDAY GIFT GUIDE
FOR PEOPLE LIVING WITH
DEMENTIA AND THEIR
CAREGIVERS
26 THE GIFT RESIDES IN YOU
28 COMMUNITY SPOTLIGHT
30 MORTGAGE SCAMS AND HOW
TO PROTECT YOURSELF
32 THE ART OF BEING BLACK IN
WHITE SPACES
35 IOWA AFRICAN AMERICAN HALL
OF FAME
er4h@er4h@(בCט   (u׉׉	 7cassandra://k5UIHBPi216zKNBhe0A66CmSHdLQpb4mNxS3fe9EICs `iq׉	 7cassandra://EDu03t-Wus5PpU8WjCu4Su9i_Mm1tg5Z6wsTEYCZlxkͩ`׉	 7cassandra://FCo_ARUvRfZ8Jf7ja4FoVjimB7b0Oemw2EB6ByKGUz0>` er4h@׉EGET THE
URBAN
EXPERIENCE
Happy Holidays from the Urban
Experience Magazine team!
May you enjoy time with friends and family as
you embark on a new year.
Take time to reflect on the highs and the lows of
this year and make goals to make 2024 better
than 2023.
You are a survivor, and you can do anything you
put your mind to.
Love yourself and be there for others.
Together we can do more and make this world a
better place.
Your best is yet to come. Here is my 2024 verse
of the year.
Blessings,
Dwana Bradley
Now all glory to God who is able, through
His mighty power at work within us,
to accomplish infinitely more than we
might ask or think. Ephesians 3:20
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er4h@er4h@(בCט   (u׉׉	 7cassandra://vIMyhRgXpSTrvB3zCNyFN1Ms9rGZE9FFjmyNgZkDhKI `j`iq׉	 7cassandra://XrBZk6Z_PI0Il4Sb0_J6uNeBGbzzwNKjZNoUBuIIhjw`׉	 7cassandra://jw_1vzQOALsFF51IHD0LbRGr4uTbCfsH8XgqNUAW42EL` er4h@׉EeCONGRATULATIONS YOU DID IT!
Mental Health:
Written by: Caleb Thomas, M.A. LMHC
Hello Urban Experience Readers,
If you’re reading this article that means you
made it, to the end of 2023. Praise Jesus! Did
you have a perfect year probably not; however,
you can look back at the year and be Thankful
you made it to the last month of the year. Some
people didn’t make it this far; however, you did,
and you have a lot to be grateful for. You may
not have accomplished all your goals, yet you
can be grateful for the ones you did accomplish.
Don’t be too hard on yourself, just keep working
on the ones you have not completed. Take
some time to reflect on your accomplishments
this year, no matter how big or small and I
want to say Congratulations! Congratulations
for losing those 5 pounds. Congratulations
on going back to school; for completing your
High School diploma/G.E.D., starting college
or other educational tracks. Congratulations
for starting rehab and taking a step in the right
direction to get off the drugs and alcohol, or
pornography. Congratulations for reconnecting
with your son (s) or daughter (s). Congratulations
for getting out of that unhealthy and abusive
relationship. Congratulations on getting married.
Congratulations on your podcast and starting your
YouTube channel. Congratulations on starting that
new business. I’m looking forward to your business
growing and remember God’s word tells us He can
do exceedingly abundantly above all that we ask or
think according to the power that works in us.
Remember there is more to come, and the
best is yet to come. So, Congratulations on
starting therapy and not giving up on yourself,
Congratulations for fighting for your marriage
and for your family. Congratulations for accepting
Jesus as your Lord and Savior and surrendering
your life totally and completely to His will and
His ways. Congratulations on starting a new job.
Congratulations on your new promotion. If no one
else has told you, I’m telling you Congratulations!
Don’t give up on your hopes and dreams, all
things are possible for those who believe. You only
need faith the size of a mustard seed, and that is
small, so don’t sweat it. God’s word tells us faith
without works is dead and works without faith is
dead, so just remember it takes both. Please take
a moment to celebrate your win, the Bible tells
us don’t despise the day of small beginnings and
realize we all must start somewhere.
Thomas & Associates is all about your success
in every area of your life including your mental,
physical, spiritual, and emotional well-being. We
are excited to see you fulfill all the plans and
purposes God has for you which including all your
goals and dreams.
We are not ignoring the facts of life, which can be
very difficult for many people. Ending a year and
starting a new year for many is not full of cheers
and Happy New Year. This is a time many people
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CONGRATULATIONS
er4h@er4h@(בCט   (u׉׉	 7cassandra://1E21C4bnxkfO2K-3K3HMpJ3HLrCJzhskOhfpVEI_C9s |`iq׉	 7cassandra://wuucWM_TP_OnjI0RV2oGfAXMtz9eesvArHEpLe-KOCw`׉	 7cassandra://JvceBQNzRUrVBhmJOQAizQQXZ3NYcXgcRzO5MNtr1QQ@:` er4h@נer4h@ 
̑9׉Hhttps://www.thomasacc.com/Gׁׁrנer4h@ Do6'9ׁHmailto:iaurbanmedia18@gmail.comׁׁЈנer4h@ ̄9ׁHhttp://thomasacc.comׁׁЈנer4h@ 9ׁHmailto:caleb@thomasacc.comׁׁЈ׉Edon’t feel they have anything worth celebrating, they
may feel they haven’t accomplished anything all year,
or they may have accomplished all of their goals and
dreams and yet they just lost a loved one or received
a personal or family health diagnosis and are now
devastated, and they may feel like there is nothing
to say Congratulations to them, but my prayers are
with you and your family. Trust me I’ve been there
in that season during the holiday season, so I want to
say to you no matter what you may be going through
whether it is sickness or disease of your body or a
family member’s body or the loss of a loved one, I
want! to say “Don’t give up, because God will see you
through, He has no respect of persons, He saw me as
well as my children through a very traumatic loss of
their mother, He’ll see you through as well because
you are more than a conqueror. Does getting past
devastations happen overnight, no it doesn’t it
will take time, patience, prayer, support and even
therapy. There may be times when it even seems as
though God is not there but trust me, He's there and
He’s holding you up.
Finally, as this is the holiday season, out with the
old in with the new, I would be remiss to not address
this is a time when depression increases which may
lead to having suicidal thoughts, this can happen to
anyone. If you are having suicidal thoughts, please
know you can call 988 (suicide hotline) ASAP. As
always, we are here to support you through the
Holiday season, heading into the New Year which
can be very difficult for many people. My prayer
for you and your family in 2024, is to have a very
blessed New Year. Have a safe and Very Merry
Christmas! And again, Congratulations for all your
achievements.
Merry Christmas & Happy Holidays!
Sincerely,
Caleb Thomas M.A. LMHC
319 206-0651
caleb@thomasacc.com
thomasacc.com
Thomas & Associates Counseling &
ConsultingCounseling with a God given purpose!
CONTACT US TODAY
TO ADVERTISE HERE:
iaurbanmedia18@gmail.com
׉	 7cassandra://JvceBQNzRUrVBhmJOQAizQQXZ3NYcXgcRzO5MNtr1QQ@:` er4h@׉E9
YOU DID IT!
er4h@er4h@(בCט   (u׉׉	 7cassandra://U6VA0VXfdxdLoU9og8ZUsMqtZ7lnD0zUF9EEd53ZkT0 +B`iq׉	 7cassandra://Ds_dRdr9INzthqwyQhLwKyNukzHmvUJpRpgtzBOhQw4Ͱ`׉	 7cassandra://j-aA9XSO_BXV4wBv-Xc57KgOy61_IBL9bHo0f10r2zQ;` er4h@׉E EMS CONTRIBUTOR
How Misinformation May
Threaten the 2024 Election
Written By: Selen Ozturk
As the 2024 U.S. presidential election nears,
misinformation threatens to make the race more of
a battleground than a civic activity.
׉	 7cassandra://j-aA9XSO_BXV4wBv-Xc57KgOy61_IBL9bHo0f10r2zQ;` er4h@׉EMisinformation
As the 2024 U.S. presidential election nears,
misinformation threatens to make the race more
of a battleground than a civic activity.
At a Fri., November 17 Ethnic Media Services
briefing, experts in fair elections, civil rights, and
digital justice discussed how misinformation, as
an urgent threat to the 2024 elections, is spread
by obstacles to voting access, social media
misinformation, high turnover of election officials
and artificial intelligence “deepfakes.”
THREATS TO VOTER ACCESS
Gowri Ramachandran, deputy director of the
Elections & Government Program at the Brennan
Center for Justice, said that key to fair elections
is undisrupted voter access. Accordingly, election
officials should be resilient “in the event of
touchscreen voting machines breaking down, or
electronic poll books becoming unusable, or a
breach of the voter registration database.”
Gowri Ramachandran, deputy director of the
Elections & Government Program at the Brennan
Center, explains why the movement to count
ballots by hand does not support election
integrity.
“We recommend practices like backing off the
voter database well before the election, having
plenty of emergency and provisional paper ballot
supplies, and doing capacity testing for electronic
systems,” she continued. “Small disruptions like
these can be fodder for a lot of misinformation
about how voters can vote, or even about the
whole election being unfair.”
Another security threat to the upcoming election
involves poll worker shortages — which occurred
in 2020 due to the pandemic, particularly given
that many poll volunteers tend to be elderly — but
“you also get shortages when election workers
feel unsafe due to threats and harassment,”
Ramachandran said.
“To help poll workers feel safe, we recommend
that election officials implement security
upgrades like bulletproof glass and keycard
access … and make it clear that threats like
doxxing and disinformation will not be tolerated,”
she added.
OFFLINE CONSEQUENCES OF ONLINE POLITICS
Social media companies play a major role
in perpetuating misinformation, said Nora
Benavidez, senior counsel and director of Digital
Justice and Civil rights at Free Press. “Particularly
since the January 6 insurrection, the biggest
companies — Meta, Tik Tok, Google, YouTube,
Twitter — finally seem to accept that their failure
to moderate content played a role in undermining
public safety and democracy.”
Nora Benavidez, senior counsel and director of
Digital Justice and Civil rights at Free Press (FP),
explains the how social media companies have
enabled disinformation and compromise news
reporting.
The tens of thousands of layoffs from these
companies over the past year, deprioritizing
accountability of accurate content, “point to
where their values lie,” she added. “There’s a
downstream effect where mainstream media
outlets, like CNN and the LA Times, often digest
unverified misinformation and disinformation
originating on social media … and that will have
grave implications towards the next 12 months.”
To promote accurate content around the
elections, Benavidez said these tech companies
should reinvest in staffing teams to “moderate
information and safeguard election integrity,”
more efficiently moderate political ads across
languages, develop increased transparency
practices like data analytics reports shared with
researchers, journalists and policymakers, and
bolster political ad policies to prohibit content
promoting misinformation about polling locations,
practices or candidates.
11
er4h@er4h@(בCט   (u׉׉	 7cassandra://PsLf18UXzAs8RpRwLXrqjt5krIXR6sqZFCxpeMkvSvA `iq׉	 7cassandra://5on5uYji19ce-WlVvMx52145Y3AihWZWckN-8CE8Its`׉	 7cassandra://zED-g9V9da0hW-QXtpfgvGqSucKK9-mvCi9vS-RDUeo=` er4h@נer4h@ .h9ׁHhttp://Witness.orgׁׁЈנer4h@ ̰h9ׁHhttp://Witness.orgׁׁЈ׉EELECTION OFFICIAL TURNOVER AND
MISINFORMATION
ARTIFICIAL INTELLIGENCE “DEEPFAKES”
On the polling side, too, misinformation threats to a
fair 2024 election are worsened by a high turnover
of election workers, said William Adler, associate
director of the Elections Project at the Bipartisan
Policy Center.
Administering elections has always been a “relatively
thankless, low-paid government job, which has
gotten increasingly complex over the past 20
years,” he said. “As we’ve incorporated more
technology into polling, they’ve become IT managers
in the public spotlight, facing public threats … New
responsibilities in how they communicate about their
work are a key part of their job as wasn’t the case
before 2020 or 2016.”
William T. Adler discusses the pressures that are
driving many election officials to quit their jobs,
which, Adler says, will compromise election safety
and integrity.
These factors, alongside safety concerns,
translate to a high turnover, Adler continued,
citing a November 2023 Reed College survey of
approximately 1,000 local election officials. In it,
“31% of those surveyed said they knew other “local
election officials who left their jobs because of
personal safety issues and threats. 11% surveyed
had considered leaving because of safety concerns,
and over a third of them will be eligible for
retirement before 2026.”
This constitutes a dangerous cycle of
misinformation, Adler explained: “Election officials
face threats, they may be more inclined to leave
their jobs that results in less institutional knowledge
on how to run an election, which might result in
more mistakes, which may in turn undermine voter
confidence, which brings more threats … Delays or
errors in processing ballots creates a hunger for
information which misinformation peddlers are all
too eager to fill.”
An increasing amount of this misinformation takes
the form of AI-generated “deepfake” images and
audio, said Sam Gregory, executive director of
Witness.org.
This process has gotten particularly easier over
the last year, as a wide range of technology has
emerged whereby anyone can generate images
from a text prompt, or mimic voices from audio
samples, “to target and push people out of the
public sphere. In conversations I’ve had with people
working in electoral processes, this is something
they’ve seen and worry about.”
Sam Gregory, executive director, Witness.org,
shares examples of how the misuse of AI is
compromising elections.
In electoral contexts, patterns of deceptive
image and audio use are already on the rise; he
mentioned recent examples of an audio deepfake
of Slovakian liberal politician Michal Šime ka and
journalist Monika Tódová apparently discussing
how to rig the upcoming elections; another audio
deepfake targeting UK Labour leader Keir Starmer;
and another audio deepfake of Chicago mayoral
candidate Paul Vallas.
Another form of misinformation involves “cases
when someone claims something is a deepfake
when it’s actually real,” explained Gregory. Witness.
org “receives many cases of deep fakes, and a
lot of them are people basically relying on others’
absence of knowledge to deny a piece of audio on
the basis that it has been faked.”
“Our information environment, by design,
discourages engagement and conversation” across
opposing political sides, he added. To combat
electoral threats like these, we should “start from a
baseline of what’s possible, of how misinformation is
spread, so we know where to look for and stop it.”
Misinformation
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Misinformation
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Holiday shopping and gift-giving can often be challenging, but even more so when shopping for a
person living with dementia. There are more than 6 million Americans living with Alzheimer’s disease.
Depending on the stage of disease, some well-intentioned gifts may no longer be appropriate or
practical for the person.
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TALZHEIMER’S ASSOCIATION: IOWA CHAPTER
Alzheimer’s Association Offers Holiday Gift Guide for
People Living with Dementia and Their Caregivers
By Lauren Livingston, Alzheimer’s Association
For the holiday season, the Alzheimer's Association
has released its 2023 Holiday Gift Guide, offering gift
ideas for individuals living in the early, middle and latestages
of Alzheimer’s disease. The guide also includes
gift suggestions aimed at keeping those living with
dementia engaged and involved in everyday tasks,
as well as gift ideas for the 11 million family members
and friends across the country serving as unpaid
caregivers for these individuals.
5 GIFTS FOR PEOPLE LIVING WITH ALZHEIMER'S –
IN THE EARLY-STAGES
1. Post-it notes or an erasable white board to list
reminders or the day’s activities.
2. Baskets or trays that can be labeled within cabinets
or drawers.
3. Gift cards for ride-sharing services or a favorite
activity (golf, movie, restaurant) allowing the person to
remain active.
4. GPS trackers (bracelets, watches, small trackers)
or enrollment in a safe return program to keep the
person safe.
5. A “memory” calendar featuring family photos –
write-in special family occasions such as birthdays
and anniversaries.
5 GIFTS FOR PEOPLE LIVING WITH ALZHEIMER'S –
IN THE MIDDLE-TO-LATE STAGES
1. Music playlists that include the person’s favorite
artists or songs.
2. Comfortable, loose-fitting clothing that is easy to
15
5 GIFTS TO HELP WITH EVERYDAY TASKS AND KEEP
THE PERSON LIVING WITH ALZHEIMER’S ENGAGED:
1. A memory phone that can store pictures with the
names and contact information of family and friends.
2. Nightlights that activate automatically when it gets
dark.
3. A digital clock with large type to indicate date and
time.
4. An outing to a movie, play or concert, sporting
event, museum or possibly an organized holiday
shopping trip with friends and family.
5. Engage your loved one in making homemade
gifts for the family, painting ornaments, decorating
stockings, table setting, scrapbooking or other activity
gifts.
put on, remove and wash, such as sweat suits, slip-on
blouses/shirts, non-slip socks, Velcro shoes, wrinklefree
nightgowns, nightshirts or a fluffy bathrobe.
3. Framed photographs or a photo collage created
specifically for your loved one. Insert the names of the
people in the photos to help with identification.
4.Soothing gifts that can help with anxiety like a
handheld massage ball or a soft blanket.
5. Adaptive dining equipment such as no-spill cups,
plate guards and silverware with specifically designed
handles that enables greater independence during
meals.
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1. The most important gift you can give a dementia
caregiver is the gift of time. In fact, just a 20-minute
break each day can help lower a caregiver’s stress and
help avoid burnout.
2. Self-made coupons for cleaning the house, cooking a
meal, mowing the lawn or shoveling the driveway.
3. Gift cards and certificates for restaurants or meal
delivery, laundry/dry cleaning services, lawn care
services, computer/technology support, maid services,
and personal pampering services such as massages
and pedicures.
4. Books – in addition to giving novels on the caregiver's
"must read" list, there are a number of books on
caregiving and maintaining self-health.
5. Self-care items such as a bundle of personal care
items (moisturizers, bath bombs and soaks, foot creams,
scrubs, soaps).
For more tips on how families affected by Alzheimer’s
and other dementias can safely enjoy time with family
and friends during the holidays, visit the Alzheimer’s
Association website. The Alzheimer’s Association
provides information, programs and services at no
charge to help families facing Alzheimer’s disease or
another dementia. For additional information, visit alz.org
or call the free 24-hour Helpline at 800.272.3900.
ALZHEIMERS
Do you want to be on the
cover or centerfold?
Sponsor an edition of
Urban
Experience
MaGazine!
Contact us today:
iaurbanmedia18@gmail.com
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er4h@er4h@(בCט   (u׉׉	 7cassandra://VizrjB_NnsBGLkcQbSGmLIJrc7rZqlFFrdGp70DZv5g `iq׉	 7cassandra://Jf4xenC5TZcxSuahej5-Uk5oax-_E2ztBDFggwdsQm8k`׉	 7cassandra://L_I0q7v33WjMHu2UZvZbKKJ3xFn7W1BX4aeeSqe-CxsFd` er4h@׉E׉	 7cassandra://L_I0q7v33WjMHu2UZvZbKKJ3xFn7W1BX4aeeSqe-CxsFd` er4h@׈Eer4h@er4h@(בCט   (u׉׉	 7cassandra://Z9jUGckZYpC-fRi34fXLP0SnY1k5WmrIDq1Mh4M6plI $H`iq׉	 7cassandra://16a6TYRDtYyu9mxzzlHyxYbjmLzLJtAju2HPC1VuTuoՆ`׉	 7cassandra://2_7jUKKqFyLLC-zcgRt1G1CAPDzI6Joxgsp4iDmd_SUD` er4h@	נer4h@ ~Fp9׉H !https://www.molinahealthcare.com/Gׁׁrנer4h@ BH9׉H Ahttps://www.molinahealthcare.com/members/ia/en-US/pages/home.aspxGׁׁr׉E׉	 7cassandra://2_7jUKKqFyLLC-zcgRt1G1CAPDzI6Joxgsp4iDmd_SUD` er4h@׉E23
er4h@er4h@(בCט   (u׉׉	 7cassandra://nUFkf0ru8FrnAIG-9VDAQCUJbOZ-n9wOLcEzqg29Y1M `iq׉	 7cassandra://Y5Vg4b50hJCpcS7CWV0p2ep072tjUGhRWZUfT5s5Izwҟ`׉	 7cassandra://0w9Ci2QEtIC0BT2syy9mjxXjqVR1SThdxkOgZTW4XAIG` er4h@׉E׉	 7cassandra://0w9Ci2QEtIC0BT2syy9mjxXjqVR1SThdxkOgZTW4XAIG` er4h@׉E25
er4h@er4h@(בCט   (u׉׉	 7cassandra://D4OC_covht-aLscL6_7irA3dkjdemHcx4_qIwlGXgQ8 r`iq׉	 7cassandra://P1_We5ZXRecMSBYfL7Kx8KXjK9X5QGB_DpdYfQ0GCMMm`׉	 7cassandra://zP0a5OjmJDaMTuQQxb_eO9357Ie7Gjap8ydkvJe07Q4NM` er4h@׉E ASpirituality
The gift resides in you
Written By: Donnetta Austin
׉	 7cassandra://zP0a5OjmJDaMTuQQxb_eO9357Ie7Gjap8ydkvJe07Q4NM` er4h@׉EkA
persons
gift
opens
doors
for him
and
brings
him
before
the
great.
PROVERBS 18:16 CSB
You are marked by the gift of God
and his Holy Spirit. He has anointed
you for such a time as this. Beauty is
in the eye of the beholder. You have
something valuable within you.
Ephesians 2:10 niv
For we are God’s handiwork, created in
Christ Jesus to do good works, which
God prepared in advance for us to do.
Which means you have a talent of
some sort you are great at. We all are
not given the same gifts. Each gift is
designed a little bit differently, it comes
in a different size, shape, or maybe
even quantity. It is unique in its own
way. If you wait too long to present it
you’ll miss out on a special edition.
The potential is there. You have what
it takes to succeed and overcome any
obstacle course. 1 John 4:4 niv reads
you, dear children are from God and
have overcome them, because the one
who is in you is greater than the one
who is in the world.
Believe in yourself, share the
abundance of abilities God has given
you. Someone who is in need of help
will appreciate the time you put in to
gain knowledge and expertise.
27
er4h@er4h@(בCט   (u׉׉	 7cassandra://eMaFAiX4YckIb2E8qL8-PQW-bM2lBOr5kdd8ovljnd4 v`iq׉	 7cassandra://yoN_N3ctxOIEdEZxjWiDx2ztaH5_4FF32wOvXejh474͑`׉	 7cassandra://_x57MeeAXuJVpyeu1UGQT0vf6bssaTH6Gc7sXxMwPqQC` er4h@נer4h@ Kρ9׉H -https://www.nasfaa.org/certification_overviewGׁׁrנer4h@ w9ׁHmailto:certification@nasfaa.orgׁׁЈנer4h@ N́9ׁH (http://nasfaa.org/certification_overviewׁׁЈ׉E Brandi Miller
Nationally Recognized Financial Aid Administrator Certification
Des Moines, IA, November 27, 2023
Community Spotlight
׉	 7cassandra://_x57MeeAXuJVpyeu1UGQT0vf6bssaTH6Gc7sXxMwPqQC` er4h@׉E
KBrandi Miller, Assistant Director of New Student
Programs at Drake University earned the FAAC®
designation from the National Association of Student
Financial Aid Administrators' accredited Certified
Financial Aid Administrator® (CFAA) Program.
The CFAA Program is a first-in-the-industry effort launched in 2019
that validates the skills and knowledge of financial aid professionals
at postsecondary institutions nationwide. The National Association
of Student Financial Aid Administrators, or NASFAA, is a nonprofit
membership organization that represents more than 29,000 financial
aid professionals at approximately 3,000 colleges, universities,
and career schools across the country. NASFAA is the only national
association with a primary focus on student aid legislation, regulatory
analysis, and training for financial aid administrators.
"Financial aid administrators are entrusted with significant
responsibility, ranging from ensuring college access for students to
protecting the reputation of an institution and maintaining the integrity
of federal financial aid programs," said NASFAA President & CEO
Justin Draeger. "The FAAC designation affirms the professional
commitment of a financial aid administrator not only to those
responsibilities but also their commitment to uphold the highest ethical
standards."
Miller joins the ranks of an elite group of close to 500 other financial
aid professionals who earned the FAAC designation after successfully
passing a comprehensive knowledge exam and affirming commitment
to the standards of ethical behavior that have long been a hallmark of
the financial aid profession. She is 1 of 10 with this designation in the
state of Iowa.
Miller has been a financial aid professional for more than 23 years
and has served her profession locally, regionally, and nationally. She
is the immediate Past President of the Iowa Association of Financial
Aid Administrators (IASFAA) and a member of NASFAA’s Ethics
Commission.
“Financial aid administrators work in a highly-regulated, continuouslyevolving
industry where knowledge matters,” says Craig Alan
Slaughter, 2023-24 CFAA Program commission chair and director
of financial aid at Kenyon College. “As part of an inclusive and
supportive FAAC community, we commit to the highest standards of
professionalism and professional development to support the success
of the communities, institutions, and students we serve.”
More information about the certification program may be found
at nasfaa.org/certification_overview, or by contacting NASFAA's
certification program staff via email at certification@nasfaa.org.
29
Spotlight
er4h@er4h@(בCט   (u׉׉	 7cassandra://jJN9s8ercAKMYzaZjYlFCmyL8VnZM7ndnw_5xAHXZMs k`iq׉	 7cassandra://qacPecn94PW5NbQGBO_N7SFpf42VT5QQY6EDnpDBNuw `׉	 7cassandra://E6INUeRXoCUHhX0AReO4-OBf--Wfo-Z7MmYbDhC9oF8LG` er4h@נer4h@ 7̗9׉Hhttps://reportfraud.ftc.gov/#/Gׁׁrנer4h@ ='9׉Hhttps://reportfraud.ftc.gov/#/Gׁׁrנer4h@ y^9ׁH "http://iowaattorneygeneral.gov/forׁׁЈנer4h@ 0H9ׁH #http://neighborworks.org/spotascam)ׁׁЈנer4h@ ӁC9ׁH !https://www.iowamortgagehelp.com/ׁׁЈ׉E Mortgage Scams
and How To
Protect Yourself
NEIGHBORHOOD FINANCE CORPORATION
WRITTEN BY BRIDGET T ROBINSON DEI LOAN ORIGINATOR AND OUTREACH COORDINATOR
׉	 7cassandra://E6INUeRXoCUHhX0AReO4-OBf--Wfo-Z7MmYbDhC9oF8LG` er4h@׉EAs most know, if you don’t or can’t pay your monthly
mortgage, you’re in danger or defaulting on your
loan, thus losing your home!
The first step if you feel like you are in this situation,
is to contact your mortgage company if you feel like
you are in danger of missing or continuing to miss
your mortgage payments. Constant communication
with any creditor is crucial in preventing from
putting yourself in a more complicated financial
hardship. Let them know your circumstances
and try and make arrangements directly with the
mortgage company.
Local community resources like Iowa Legal Aid
and Iowa Mortgage Help are there to assist with
resources you may need if you are in danger of
foreclosure. https://www.iowamortgagehelp.com/
Their trained counselors will help you identify the
course of action that is most appropriate for your
situation.
A not new, but ongoing threat that is confusing
consumers and scamming them out of hard earned
money, are mortgage scams! You’ve seen the
commercials, saw the signs and probably know
someone who unfortunately has been a victim of a
mortgage or housing scam. There are a few things
that you can do to help protect yourself from these
scams and get the assistance you need.
The first question however, is how do you
spot a housing scam?
1. The company/person asks you for a fee – Don’t
pay for service that you unsure of or haven’t
received.
2. A company/person promises that they can save
you from a foreclosure
3. A company/person advises you to stop paying
your mortgage or landlord and pay them instead.
(Source: NeighborWorks Spot A Scam - https://www.
neighborworks.org/spotascam)
Take notes! Make sure you document who you
supposedly talked to, what company they claim to be
with and a phone number they called from. This will
equip you with the information to report the scam.
Here a few of the type of scams that are beginning to
creep into the market.
Refinance Scams: While refinancing is a legitimate
option with most lenders, watch out for people
posing as mortgage brokers or lenders. They will
most often present you with “refinance paperwork
to bring your mortgage current” when in reality,
they are having you sign to surrender ownership of
your home. The scammer is betting on the fact that
you trust them and will not read all of the fine print.
Once that new deed is executed, down the road you
will receive notice and discover that your home is no
longer yours!
Internet and Phone Scams: We all get some sort of
spam on a day to day basis in this day in age and
how do you know what’s legitimate?? Since we
heavily rely on technology to get the information
that we need and want, this is the easiest way for
scammers to get what they want, when they want.
Often the scammers convince you to pay some fee
over the phone or ask you to relinquish personal
information. Bank account numbers and social
security numbers are often given to these spammers
to transfer payments to a phony company. This will
cause even more trouble because now your personal
details have been stolen, putting you at risk for
identity theft.
Audits: This scam is also a heavy hitter in today’s
scam base and that is where a scammer will call
and state that they are mortgage loan “auditors” or
“foreclosure prevention auditors” They supposedly
reviewed your mortgage documents to make sure
that your mortgage company complied with the law.
They say that they can help you avoid foreclosure
and lower the amount you owe.
Don’t fall victim to these scams and be sure to report
them to the proper authorities such as:
The Federal Trade Commission at ReportFraud.ftc.
gov
Iowa State Attorney General https://www.
iowaattorneygeneral.gov/for-consumers
The more they are reported, the more the Federal
Government can crack down and keep consumers
safe!
31
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The Art of Being
Black in White Spaces
By NajLa Evans, Des Moines Art Center Curatorial Intern
M
y name is Najla Evans and
as the Curatorial Intern here
at the Des Moines Art Center
I have had the amazing
opportunity to explore the museum's
vast collection of works by Black artists.
One of my favorite artworks housed
here is My Calling (Card) #1 by Adrien
Piper. My introduction to Piper’s art was
emancipating. As a young Black woman
who has struggled with issues of race
and identity, her work provided me with a
language I desperately needed. From 1986
to 1990, Piper handed out “Calling Cards” at
dinners and cocktail parties, in an ongoing
performance designed to cleverly confront
the racism of her peers. She draws on
her experience as a light-skinned Black
woman often mistaken for white or
white-passing, highlighting the feelings
of isolation, silencing, and invalidation
through confrontational satire. Piper’s
work explores the reality of being Black
in America while asking her viewers to
stop and consider their actions, words, and
positionality within social dynamics.
The experience of being a Black woman
in a predominantly white space often
comes with unwritten rules--keep a low
profile, suppress your opinions, don’t be
too loud, never disagree. While I don’t
possess particularly light skin that might
allow me to pass as white, I grew up in
a small town in Iowa where many had
limited exposure to Black individuals
beyond media stereotypes, and my light
brown complexion welcomed a plethora
of ignorant comments. I frequently faced
inquiries about my racial background,
with follow-up questions probing my
mixed heritage, as if it were crucial for
others to know. “What are you?” “You don’t
look Black.” Such inquiries only granted
permission for further racist comments;
the assertion that there were no “real”
Black people present as I was “light
brown” and “well-spoken.” Casually racist
assumptions and comments about my life,
my hips, my hair, made me acutely aware
of the lack of understanding, empathy,
and respect for my humanity. My attempts
to assert myself against these remarks
were often misconstrued as aggression,
even though my voice rarely rises above a
whisper. Standing up for myself was met
with accusations or judgment of being too
׉	 7cassandra://8F7TpR0aDLufnRG54wTijUO3nedtuyjzuFgDPiXwoko:` er4h@׉Eangry, too loud, or too “ghetto.” The audacity of my
self-preservation made others uncomfortable and
attracted unwanted attention, and only then was
my Blackness truly acknowledged. Black women
have long grappled with the “angry” stereotype
perpetuated by white society, which aims to stifle
and police their voices. And as I reflect on these
moments in my life, I cannot help but think that
Piper’s My Calling (Card) #1 would have been
quite useful in my daily struggles to be heard and
respected.
Piper’s work not only illuminates the Black
experience and the challenges faced within
predominantly white environments but also
serves as a compelling call to action, prompting
individuals to acknowledge their own biases
and the harm that stems from complicit silence.
Whether one finds themselves in the presence of
Black individuals or not, Piper’s words resonate
powerfully, serving as a stark reminder of the
imperative need for allyship, particularly among
those who possess the privilege of being heard.
Combatting racism should not be solely the
burden of the oppressed and Piper’s My Calling
(Card) #1 encourages all to speak up for what is
morally right.
View works by artists like Adrian Piper at the Des
Moines Art Center, Tuesday through Friday from
11 am - 4 pm, with extended hours until 7 pm on
Thursdays and Fridays. Weekend hours are 10 am
to 4 pm on Saturday and Sunday. The museum is
closed on Mondays. Admission to the Des Moines
Art Center is free.
Visit desmoinesartcenter.org for more
information.
Image credit: Adrian Piper (American, born 1948). My Calling (Card) #1, 1986. Dimensions: 2 × 3
7/16 in. (5.1 × 8.7 cm). Offset lithograph on paper. Des Moines Art Center Permanent Collections;
Gift of Hudson, New York, 2000.18. Not On View.
33
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We d
CONTACT US TODAY!
515-770-2271 •
׉	 7cassandra://N8zesxMCDCZ2ieSVyDzU7z9W57sgoZ9V-dTafGuWFYkI` er4h@׉E.For Immediate Release
Media Contacts
Dwana Bradley, Executive Director
Des Moines Urban Experience
dmuexp15@gmail.com
515-829-0927
The Connection Foundation has recently transferred custodianship of the Iowa African
American Hall of Fame (IAAHF) over to the Des Moines Urban Experience.
Des Moines, IA - On Monday, October 25, 2023, Gary Lawson, both Founder of the
Connect Foundation and the IAAHF, along with his daughter, Celeste Lawson, who is
the President of the Connect Foundation, transferred custodianship of the IAAHF to the
Des Moines Urban Experience.
The Des Moines Urban Experience is also responsible for annually presenting the Iowa
Juneteenth Observance, which was transferred over to the Des Moines Urban
Experience by the Connect Foundation during 2015.
The Connect Foundation had previously transferred total custody of the IAAHF over to
officials at Iowa State University, the primary official being Dr. George Jackson.
However, following Dr. Jackson's retirement, Iowa State University officials have made
adjustments and most recently decided to just retain responsibility for hosting a
website Iowa African American Hall of Fame (iastate.edu) featuring photos and
induction information concerning inductees.
Both Gary and Celeste Lawson believe that the Des Moines Urban Experience is the
best choice for operating the IAAHF due to their proven history of: 1) annually, and
successfully, presenting the Iowa Juneteenth Observance, and 2) utilizing the Iowa
Urban Media to keep communities across Iowa informed.
Initially, and due to the recent pandemic, the IAAHF plans on inducting up to six
inductees per year, starting during February 2024. More information will follow,
however, you are encouraged to reach out to Dwana Bradley,
at dmuexp15@gmail.com or Gary Lawson at qms2000@aol.com for more information.
35
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the gift
of art
Do you or someone you
know have a problem with
alcohol, drugs, gambling,
or mental health?
Your Life Iowa can help you
get your life back on track.
Find treatment facilities
confidentially and anonymously.
ART CLASSES
FOR CHILDREN, TEENS, & ADULTS
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SCHOLARSHIPS AVAILABLE
REGISTER AT desmoinesartcenter.org
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TO ADVERTISE HERE:
iaurbanmedia18@gmail.com
Focus On:
Program Benefits:
Services available to all Polk
residents regardless of
income
Free confidential financial
counseling sessions with a
certified professional
Assistance in navigating
complex financial challenges
In person and phone
appointments available in
English and Spanish
Savings
Plan for the future
and prepare for
unforeseen expenses
Banking
Gain access to
safe and affordable
banking services
Debt
Credit
Pay down debt
and develop
budgeting tools
Schedule an Appointment Today!
Call (515) 697-7700 or online at EmpowerMoney.org
37
Establish and improve
credit with professional
guidance
er4h@΁er4h@́(בCט   (u׉׉	 7cassandra://7dDiFnqZkCsMuH3vc3R1Q-0JMKo_sAG-IapyAuQJ-iU `iq׉	 7cassandra://6KNnxVuImzvMXOA3G0AkVqEybbbY5-8yNJ1fcVf13p0`׉	 7cassandra://pecSDj9ys_ZmG6jH6VWS_xfhFJCqSvIUqw69NIE7_kYR` er4h@6נer4h@/ A1̫9׉Hhttps://www.dmplayhouse.com/Gׁׁrנer4h@0 XP>b9׉Hhttps://www.greenstate.org/Gׁׁrנer4h@1 j̴9׉Hhttps://www.greenstate.org/Gׁׁrנer4h@; m̭9ׁHhttp://greenstate.orgׁׁЈ׉E 831 42nd St | Des Moines | 515.277.6261 | dmplayhouse.com | 2 holiday shows Dec 1-17
Do you want to
be on the cover
or centerfold?
Sponsor an
edition of
Urban
Experience
MaGazine!
Contact us today:
iaurbanmedia18@gmail.com
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If you put $100 in
your GreenState
checking account...
Checking
$98
Option #2: Debit Card Round-up
Every time you use your debit card, the transaction is rounded
up to the nearest dollar and transferred to your Rainy Day Savings.
Example: If you use your debit card for a purchase of $20.27, it would round-up
to $21 and transfer $0.73 from checking to your Rainy Day Savings account.
One of the best ways to build financial security is
to have enough in savings to handle emergencies
that may come your way. Our Rainy Day Savings
account makes building an emergency savings
fund easy. Choose one or both options to grow
your savings automatically.
Option #1: Automatic transfer from Checking
2% of every deposit* into your GreenState Checking account will automatically
transfer to your Rainy Day Savings.
Rainy Day
Savings
$2
Option #3: Choose both and save more!
Stop by a branch,
call 844-300-5810 or visit
greenstate.org to learn more.
*Qualifying deposits include: direct deposit, ATM, Remote Deposit Capture check deposits, deposits made at a branch.
Insured by NCUA
39
er4h@Ӂer4h@ҁ(בCט   (u׉׉	 7cassandra://JOKm8P7oDBiUV2FMnHYGtqeAgJdK73CL8xNOrz4nDec V`iq׉	 7cassandra://UpgjmUXCBpH7vH1vuWkNQY382VF0iEhW3kYmL3hvlM0  L`׉	 7cassandra://kbsTkSCme3tyVVyBvkEAAfKtjnwvM6_QXpeOYjyRnfoSM` er4h@<נer4h@8 {V9׉H $https://www.unitedwaydm.org/united55Gׁׁrנer4h@G ~G9ׁHhttp://unitedwaydm.org/united55ׁׁЈנer4h@F sׁG9ׁH $mailto:lynne.melssen@unitedwaydm.orgׁׁЈנer4h@E N[9ׁH 'https://volunteer.unitedwaydm.org/need/ׁׁЈנer4h@D Nn9ׁH  https://www.unitedwaydm.org/hopeׁׁЈ׉EBE INFORMED
BE AN ADVOCATE
SURVIVE
Everyone has a heart: Take Care of Yours & Live Your Best Life!
Why is Cardiovascular Genetic Screening Important?
!
!
More than 1 in every 200
people have an inherited
heart disease.
Inherited heart diseases are
the leading causes of
sudden death in young
people.
Benefits of Genetic & Clinical Screening
Detect heart disease that did not show up in routine health
exams. Early detection may prevent heart complications.
Make informed decisions about heart health, including
treament options.
Help identify the cause of a heart condition or other health
issues.
Educate family members who may be at risk of heart
disease.
Learn about the chance that a pregnancy will lead to
genetic condition.
!
Inherited gene abnormality does
not automatically result in heart
disease. Knowing your risk can
help you understand and
manage your health.
Learn your risk for heart disease
If any family member experienced heart disease or any of the
below health issues, consider genetic and clinical screening.
Heart failure (younger than 60 years old)
Implantable cardioverter defibrillator (ICD)
or pacemaker implant (younger than 50 years old)
Heart transplant (younger than 60 years old)
Unexplained seizures or seizures with normal
neurological evaluation
Unexplained cardiac arrest(s) or sudden death
Exercise intolerance
Sudden infant death syndrome (SIDS)
Untreated LDL (low-density lipoprotein) known as
bad cholesterol ≥ 190
Multiple family members with congenital heart defects
West African Ancestry in your family
Diagnosed with carpel tunnel syndrome
The average cost of genetic testing is $250
This work was supported through the
MIHF HealthConnect Fellowship.
The average out-of-pocket cost is $100
׉	 7cassandra://kbsTkSCme3tyVVyBvkEAAfKtjnwvM6_QXpeOYjyRnfoSM` er4h@׉E8JOIN UNITED 55+
Many believe that a meaningful life is not complete without the
fulfillment that comes from helping others. If you're ready to take your
commitment to the community to the next level, while meeting new
people and gaining new experiences, UNITED 55+ is for you!
Current & Upcoming
Volunteer Opportunities
Book Buddy
A reading program that pairs volunteers with preschoolers for
regular reading. The caring adult reads in person to the student at a
local childcare center. You may pair up with a friend to share this
weekly volunteer opportunity. Orientation & training provided.
Power Read
Volunteer reading mentors are matched one-to-one with a student
for about an hour each week and together they read and engage in
conversation. Programs take place during the student’s lunch
period at various Des Moines elementary schools. Orientation &
training provided.
Not New Shop
Charity shop volunteers needed to Sort, size, and mark donated
items according to suggested price list, using good judgment
regarding discards. Assist customers with purchases, ring up sales,
keep shop in order. Training provided.
HOPE for the Holidays Donation Drive
The holidays are upon us! We are collecting cleaning products and
gift cards for HOPE for Stable Families. This program works with
families to set goals, remove barriers, and use available community
resources to create long-term financial stability for them and their
children. For information about the program or how to donate, visit
https://www.unitedwaydm.org/hope-for-the-holidays
Holiday Helping Hand
Looking for ways to give back this holiday season? Check out
United Way of Central Iowa’s Volunteer hub. Head to the Holiday
Helping Hand Guide tab to see opportunities around Central Iowa.
Check back often as opportunities will continually be added
through the end of the year. Visit
https://volunteer.unitedwaydm.org/need/ for more information.
Contact, Lynne Melssen
AmeriCorps Seniors Program Director
at lynne.melssen@unitedwaydm.org
or 515-246-6544
To register, scan
the QR code
or visit:
unitedwaydm.org/united55
41
LIVE
UNITED
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December 12 – 17
DES MOINES CIVIC CENTER
Willis Broadway Series
GET YOUR TICKETS TODAY!
December 21
DES MOINES CIVIC CENTER
December 22 – 23
DES MOINES CIVIC CENTER
DMPA.org · (515) 246-2300 · Civic Center Ticket Office
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g LosRos
INF O@LOSROS. C OM • LOSROS. C OM
Servic es
Pho t o E diting
Appar el Design
M emorial Pho t os
L og o & Br anding
Mag azine Design
C ust om Design
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acknowledge the uniqueness of
the deceased: the individuality of
their personality, and the uniqueness
of their life's path. Not just for
them, but for you; it affirms the relationship,
and leads to healing after
loss. Honoring their life is truly an
act of love – for the both of you.
“WE’RE FAMILY”
PHONE: (515) 309-6550
3500 SIXTH AVENUE
DES MOINES, IA 50313
HENDERSONSHP.COM
׉	 7cassandra://qBUMpehJtOtmKL5tJhletWwYZ8wPB5n7wdb-fG69lKY-` er4h@׈Eer4h@݁er4h@܁(,December UEM 2023kHappy Holidays from Urban Experience Magazine. This edition is brought to you by Molina Healthcare. Congratulations to Brandi Miller, Assistant Director of New Student Programs at Drake University who earned the FAAC designation from the National Association of Student Financial Aid Administrators accredited Certified Financial Aid Administrator (CFAA) Program.er4ٜUZ