׉?4ׁB! בCט  (u׉׉	 7cassandra://QxkWto8Tbi8jdwShfndhQybgZNCqXd0lCIgAEX2a1Aw `׉	 7cassandra://HoZ7yRclOsBRtBjlQ7MEpPSgYlTKxkmTtGdKGugfqOw`J`s׉	 7cassandra://_Eip5o5YzM7ahCNNysuH9BoXHPYVRr2p9kmu9LWE250"0` ׉	 7cassandra://yTw75rvsBC7UJ1Qru8K9DOdGiJEUsLp8PB2MaYF1Vko ͠]dd_͚ט   (u׈   ?U  ׈Edd_1׉E AUGUST 2023
Inside
Understanding Imposter
Syndrome: Overcoming
Self-Doubt and
Embracing Success
Attain/Out of the Box
Initiative
Volunteering May Protect
your Brain Health &
Memory
"REFLECTION
REVITALIZES AND
REJUVENATES"
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dd_͝נdd_͠ !ցT9ׁHhttp://LosRos.comׁׁЈ׉EWRITERS & STAFF
Contributors
Donnetta Austin
Debra Carr
Courageous Fire
Angela Jackson
Celeste Lawson
Caleb Thomas Lenore Metrick-Chen Gianni Berry
Editor-In-Chief
Dwana Bradley
Lori Young
Creative Director
Nikki Goldman
LosRos Graphix
LosRos.com
Bert Moody
Gary Lawson
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׉	 7cassandra://6TsPRuXxxPzdw6XOReBfbFZFSnL-fKWzBafKpfIq2vUK` dd_3׉ESUMMARY
4 EDITORS MESSAGE
6 MORTGAGE LOANS: WHICH ONE
DO I CHOOSE
10 COURAGE TRUTHS: PERMISSION
TO GRIEVE
6
14
22
*PHOTO CREDIT TO PEXELS AND FREEPIK
3
14 UNDERSTANDING IMPOSTER
SYNDROME: OVERCOMING
SELF- DOUBT AND EMBRACING
SUCCESS
18 IT’S HONORING THE ELDERLY
MONTH
22 SMALL BUSINESS OWNERS NEED
ACCESS TO FUNDING
25 ATTAIN/OUT OF THE BOX
INITIATIVE
28 VOLUNTEERING MAY PROTECT
YOUR BRAIN HEALTH & MEMORY
30 LIFE INTO EXISTENCE
dd_4dd_3(בCט   (u׉׉	 7cassandra://QIKRnNDgzbtPFk9kVvvEm8ozvPUyImCpWndy1jx3ESU `iq׉	 7cassandra://f6jgOrfYBAKl56J_s4R9G6MaNumhJXo_rQPbkNiOYD4W`׉	 7cassandra://n98xhSIBhdZBnfENN56Er7oPQb7Mo4h2sfT57H9fVyE?S` ׉	 7cassandra://8GyJKEjLyNXJmc_zXGmly0I6MpKRoFizgokeooggBEg M͠
dd_͡׉EGET THE
URBAN
EXPERIENCE
This message was written in August 2019. I’ve
added more quotes and I pray they are a blessing to
you.
This month I struggled with my message, so I
decided to leave you with some quotes that I’ve
made up and some that you’ve heard before. I
hope these help in whatever you may be going
through in life.
THERE IS NO COMPETITION, ONLY PURPOSE –
This has been a quote that I’ve held onto for the
last year. I know that my life has a purpose and
because of that purpose no one or anything can
stand in my way. I’m competing against no one. I’m
living out my purpose and enjoying every moment
of it!
GET COMFORTABLE WITH BEING
UNCOMFORTABLE – I currently live in this space
and through most of my life, I’ve been comfortable
with the people, spaces, and circumstances. I’m
not doing things that I don’t always believe I’m
qualified to do. I have conversations with people
who challenge my thinking, and changes have been
made in my life that make me see a different point
of view. I now embrace uncomfortableness.
LIVE YOUR BEST LIFE – We only get one chance
in life. There are no do-overs and when life comes
to an end, that’s it. I’ve decided to live my best life
which is different for each one of us. I know what I’m
gifted at, and I know what I’m supposed to be doing
in this season in my life, and everything I do, I want
to do it at my BEST.
LOVE WHILE YOU HAVE THE CHANCE – There are
many different definitions of love based on your
life circumstances. The world defines it one way,
the church defines it another, people around you
have their take on it. I’ve made the decision to open
my heart to others and do my best to love people
where they are. For me, I want to love people no
matter what. That includes my significant other, kids,
parents, friends, acquaintances, enemies, business
partners, etc. These four letters have messed with
me my entire life. Growing up, love has changed me.
In my late 30’s I decided I wanted to love people no
matter what. No matter if they like me, hate me,
are jealous of me, are sick and tired of me, or want
to see me do great things. Since I have made that
request, I’ve had some rough people in my life. I
don’t give up on people easily. I listen to understand
and do all I can to love them if they're having the
best or the worst day………. I choose LOVE!
WHEN YOU FALL DOWN, GET UP – I have fallen
down so much that I shouldn’t even want to get
back up, but I believe when we fall don’t, we
normally look up anyways? I will admit when I fall, I
don’t immediately get back up, but I can’t stay down
forever. I remember going to church one Sunday
and I literally fell down to the ground. I was in the
middle of the street, and I stayed down for a little
bit. I looked up to the sky and after a few minutes, I
got back up. Life is just the same way. You will hurt
someone’s feelings, end a relationship, lose a job,
and many other life circumstances can happen, but
don’t let it keep you down. Get up! You can make it!
׉	 7cassandra://n98xhSIBhdZBnfENN56Er7oPQb7Mo4h2sfT57H9fVyE?S` dd_5׉ELISTEN TO OTHERS – One of the great gifts you can
give someone is to listen to them. Think of the last
time you listened to someone without interrupting
them. I do a lot of listening because it’s important for
me to hear people. I believe everyone is looking for
someone to listen to and that’s it. Try listening to
them.. You will learn so much about a person when
you do.
LOVE YOUR ENEMIES – This has been one of the
most challenging for me. In life there are people
who are not rooting for you, in fact they are waiting
for you to fall. They are not cheering for you. I have
learned over the years to love those who have been
against me. It is not easy to show love when you want
to show revenge, but I believe this commandment
from God will bless your soul if you continue to show
kindness to anyone who continues to be against you.
REFLECTION REVITALIZES AND REJUVENATES
– Take moments to think things over as the song
says when I look back over my life and think thing
over, I can truly say that I’ve been blessed, I’ve got
a testimony. Reflection is a great way to get life
figured out. I take time to reflect often but take a
deeper reflection in November and December each
year. Taking the time to reflect deeply gives me the
opportunity to prepare and plan for the new year or
make corrections and fix things currently happening
in my personal life, business, and friendships.
LIFE IS A JOURNEY – The journey in life will bring you
through everything. Your path might start smoothly,
and you feel everything is going right, and then
your journey encounters a bump in the road that
might have you stagnant for a while, but the journey
continues. Everyone’s journey is different. I desire to
help people on my journey, love people on my journey,
support people on my journey, and live life like it
could be the last day. I hope you all are enjoying your
journey in life and that you are living your best life.
BLESSINGS,
DWANA BRADLEY
EDITOR-IN-CHIEF
5
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de_ͤ׉E Mortgage Loans:
Which One Do I Choose?
NEIGHBORHOOD FINANCE CORPORATION
Written By: Bridgett Robinson D&I Mortgage Loan Originator
and Outreach Coordinator at Neighborhood Finance Corporation
׉	 7cassandra://dS514iPtuXbr5Ek-cVQ9hKqS_K46tOgAZQr_dWLFiVoG` dd_7׉E
When wanting to buy a home, always check out your options for the type of mortgage that will fit your
financial situation, at both the inception of the loan, as well as after the loan is closed and you are
actively living in the home.
Lenders across the country offer different products as it pertains to a mortgage and you want to do your
research before settling on anything in writing. Not all loan products are treated equal and not all loan
products are a one size fits all.
TYPES OF MORTGAGES:
CONVENTIONAL LOANS
A conventional loan is a mortgage loan that is
not backed by a government agency. These loans
sometimes provide some of the same benefits as
the others and are most common. These loans are
backed by mortgage lenders, like banks and other
financial institutions. (Examples: Conforming or
nonconforming, jumbos, portfolios, adjustable rate
loans)
CONS OF CONVENTIONAL MORTGAGES:
• You have to pay PMI if the down payment is
less than 20%. (Not with NFC, as we do not apply
private mortgage insurance)
• You’ll have to meet qualifications that may
require a higher minimum credit score of 620 and
lower debt-to-income.
PROS OF CONVENTIONAL MORTGAGES:
• Borrowers who can pay at least 3% – 5% down
and have a minimum FICO® Score of 620 can
typically benefit from conventional loans.
• Borrowers with a debt-to-income of 50% or less
can typically benefit from conventional loans.
ADJUSTABLE-RATE MORTGAGE (ARM)
An ARM is an Adjustable Rate Mortgage and
unlike fixed rate mortgages that have an interest
rate that remains the same for the life of the
loan, the interest rate on an ARM will change
periodically. The initial interest rate of an ARM
is lower than that of a fixed-rate mortgage, also
known as a “teaser rate” or “introductory rate”.
PROS OF ADJUSTABLE-RATE MORTGAGES::
• They offer lower interest rates for the initial
introductory period.
• The initial low monthly payments allow for a
more flexible budget and the opportunity to build
up savings.
CONS OF ADJUSTABLE-RATE MORTGAGES:
• If the rate increases, it can dramatically increase
your monthly payments once your introductory
period is over.
• It’s more difficult to predict your financial
standing if interest rates and mortgage payments
fluctuate.
FIXED-RATE MORTGAGE
A fixed-rate mortgage is a loan option with a
specific interest rate for the entire term of the
loan. The interest rate does not change and the
borrower’s interest and principal payments will
remain the same each month
PROS OF FIXED-RATE MORTGAGES:
• Monthly principal and interest payments don’t
change over the life of your loan, making it easier
to plan a budget.
• Your loan can fully amortize over the term of the
mortgage.
7
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de_ͩנde_ͧ 3̚9׉Hhttps://www.empowermoney.org/Gׁׁrנde_ͨ ̐9׉Hhttps://bw4hl.org/Gׁׁrנdf_ͱ ̇9ׁHhttps://bw4hl.orgׁׁЈנdf_Ͱ y9ׁHmailto:info@bw4hl.orgׁׁЈנdf_ͯ hD9ׁHhttp://WWW.REDCROSSBLOOD.ORGׁׁЈנdf_ͮ 9ׁH (mailto:brobinson@neighborhoodfinance.orgׁׁЈנdf_ͭ `X9ׁH *http://www.neighborhoodfinance.org/journeyׁׁЈנdf_ͬ 9ׁH #http://neighborhoodfinance.org/downׁׁЈ׉ECONS OF FIXED-RATE MORTGAGES:
• You’ll pay a higher rate than the introductory rate
you could get on an adjustable-rate mortgage.
• You may end up paying more in interest over time
if the rates are high.
VA LOANS
These loans are specific to providing government
insured or guaranteed mortgage programs to
veterans, service members and eligible surviving
spouses. These loans typically won’t have any down
payment required, lower interest rates and is a
lifetime benefit.
FHA
These loans are government-backed insured by the
Federal Housing Administration. These usually
requires a lower down payment and credit score
minimums than other programs. They allow you
to borrow up to a certain percentage of a home’s
value depending on the credit score. These loans are
popular among first time home buyers.
CONS OF GOVERNMENT-BACKED LOANS:
• You must meet specific criteria to qualify
• Many types of government-backed loans have
insurance premiums (also called funding fees) that
are required upfront, which can result in higher
borrowing costs
PROS OF GOVERNMENT-BACKED LOANS
• Those who have low cash savings might benefit
from a government-backed loan
• Those with lower credit could benefit from a
government-backed loan
As you can see, there are different mortgage loan
products that can offer a customer different things.
It is truly a wise step to ask questions of the lenders
you are working with to see what type of loan is the
best fit for you. Having a better grip of the different
loan types and what they do and don’t offer will help
you in the long run to know what type of mortgage
transaction you are getting into.
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
Establish and improve
credit with professional
guidance
׉	 7cassandra://mn5ZA4aC8PD343VxlhbhKfaeGhEvOcJS3WlLY-LVBYwZ` dd_;׉EJOURNEY
TO HOMEOWNERSHIP
AMBASSADOR & CHAMPION PROGRAMS
The Journey to Homeownership Ambassador and Champion program is creating many strong relationships
with non-profits, churches and educational institutions to make sure that we meet people where they are at.
The Polk County Financial Empowerment Center at The Evelyn K. Davis
Center For Working Families was one of the first organizations to sign
up as a Journey to Homeownership Ambassador.
Between July 2022 and June 6th 2023, they have reduced nonmortgage
debt in the amount of $1,177,543 and increased savings
by $114,466!
Be sure to check our website for J2H classes scheduled at The Polk
County Financial Empowerment Center at The Evelyn K. Davis Center
For Working Families!
neighborhoodfinance.org/down-payment/j2h-classes-and-events
www.neighborhoodfinance.org/journey-to-homeownership
If your organization is interested
in becoming an Ambassador or
Champion, please contact
Bridgett Robinson
NMLS # 2244064
NFC Diversity & Inclusion Mortgage Loan
Originator and Outreach Coordinator
brobinson@neighborhoodfinance.org
515-273-1373
NMLS# 8943
The SICKLE CELL Blood Drive
WE APPROACH THIS
HOLISTICALLY:
physically, spiritually, mentally, emotionally,
financially, and with a justice lens.
OUR COALITION
Black Donors are needed. Register to
donate through the QR Code provided.
SICKLE CELL BLOOD DRIVE
CALL 1-800-REDCROSS TO MAKE AN APPOINTMENT
or got to WWW.REDCROSSBLOOD.ORG
CONTACT US FOR MORE INFORMATION:
515-219-4300| info@bw4hl.org | https://bw4hl.org
The American Red Cross is offering an initial screening test to provide
donors with valuable insight into their sickle cell trait status. The Red
Cross is not testing donations to diagnose sickle cell.
SATURDAY, SEPTEMBER 23, 2023 | 9:30AM TO 1:30PM
CORINTHIAN BAPTIST CHURCH | 814 SCHOOL ST DSM, IA
9
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df_Ͳ׉E (Courageous
TR UTHS
PERMISSION TO GRIEVE
׉	 7cassandra://p4nD6wohs-EcgaI2M5juGwOTrHbGgg8ChgGDkzdupikB` dd_=׉EcGrief is a natural response to loss1
.
so impatient with our Black sisters’ natural response to
loss when they are able to escape violent relationships?
Response is a physical reaction to stimulus or a
situation2.
Loss is the fact or process of losing something or
someone3.
When a woman’s intimate partner dies, she has a loss
of that relationship. When a woman’s intimate partner
and her separate - regardless of the reason - she also has a
loss.
Why then do we seek to silence a Black woman’s natural
response to the loss of a relationship from an abusive
partner by shaming her for it?
On August 30th every year, it is National Grief
Awareness Day. This month, I want to give you
permission to grieve and permission to allow others to
grieve.
Notice again the definition of loss, Beloved. How
many times during a given day on a lesser level do we
experience loss? We lose time in the morning because
one of our kids won’t get up on time and we run late to
something else. Loss - of time. A small one, granted,
but one nonetheless. We lose one out of our favorite
pair of socks after the laundry. Another small loss, but
happening on the same day, two losses that day. We
lose our job, a friend. Larger losses. Ones from which
most of us rebound at some point, however, all losses
described cause some sort of physical reaction - a
response.
Most people won’t criticize you for an irritable response
to losing a sock from a unique pair. Most people won’t
criticize you for a disappointed or even depressed
response to losing a job or a friend. Why? Because
it’s relatable. We feel like your response makes sense
because our response would be similar.
No one criticizes someone for a despondent response
to the death of a loved one - especially an intimate
partner. Why? Because it’s supposed to be the most
important relationship in life and it is something that
one usually does not cause and therefore usually causes
sympathetic responses from others. Why? Because if
we had to deal with that level of loss we would want
people to show us compassion, sympathy, support.
Let’s get back to the initial question then. If loss is
something that simulates compassion from most
humans for one another, in our community why are we
Let’s look at the heart of what most of us believe,
whether we’ve ever admitted this or not. We are afraid;
yes, afraid. We are afraid that if she is focused on the
loss, she will want to make the loss end and will go
back to the dangerous relationship. Many of us saw
firsthand the danger she was in, some of us have been
there with her through it and have thought we might
lose her at different times, some of us have even been
a safe space for her to run to throughout this violence.
We want to know if we are being “stupid” for being
supportive because what if she’s just gonna go right
back to him anyway? So we verbally shame4 her, stop
speaking to/engaging with her, tell others not to engage
with her, etc., thinking that if we stop the natural
response to loss we will prevent her from going back
to the violence.
However, we’ve learned that loss causes a natural
response to it and that response is grief.
Grief can be accompanied by self blame5, loneliness6,
desperation7, anger8, and just plain sadness9. Can we
ever truly shame someone out of an emotion? No,
Beloved. We can shame someone into hiding emotions,
however.
When we hide our emotions that accompany grief, that
can be the most dangerous thing for the DV (domestic
violence) survivor. Why? If she cannot share her
emotions with safe people, she will begin to re-engage
with the abuser who is probably already hoovering10
her. And just like the vortex created by a vacuum, if she
cannot honestly talk through her emotions with us -
her community, her family, her friends - for a moment
she will find false acceptance and compassion with the
abuser. And since abuse is about the abuser keeping
power and control, and since her drifting further from
his reach initially indicates a possible threat to that
for him, she is now in danger of an escalation of his
violence11.
Escalations in an already abusive relationship can
look like the following12, 13:
• Increase of attempts to isolate
• Increase of forms of isolation
• Increased threats of violence to victim, or others
loved by victim, or abuser themselves
• Increase of anger intensity during violent episodes
• Abuser expressing fantasies of murder
11
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df_ 2נdf_ʹ  )9׉Hhttps://www.cfirellc.com/homeGׁׁrנdf_͵ t̸9׉H ,https://courageousaccess.wixsite.com/websiteGׁׁrנdf_Ͷ O̛9׉H +https://www.youtube.com/watch?v=iyCTtL3sBEcGׁׁrנdf_ͷ mm?9׉H 9https://www.iowahealthieststatestore.com/btb-showroom.htmGׁׁrנdf_͸ *̎9׉H 7https://calendly.com/courageousfire/30min?month=2023-08Gׁׁrנdf_͹ t9׉H Ahttps://www.iowahealthieststate.com/back-the-black-representativeGׁׁrנdf_ͺ ^̇9׉H 2https://www.iowahealthieststate.com/back-the-blackGׁׁrנdf_ͻ 	/9׉H !https://www.cfirellc.com/bookingsGׁׁrנdf_ͼ _9׉H (https://www.cfirellc.com/book-motivationGׁׁrנdf_ͽ CP9׉H (https://www.facebook.com/CourageousFire/Gׁׁrנdf_; f?9׉H $https://www.instagram.com/cfire_llc/Gׁׁrנdf_Ϳ >K9׉H 8https://www.youtube.com/channel/UC8YbIZFo0x1KvvWAEZKtisAGׁׁrנdf_ r߁o9׉H 9https://courageousaccess.wixsite.com/website/get-involvedGׁׁrנdf_ .Áw9׉H :https://courageousaccess.wixsite.com/website/opportunitiesGׁׁrנdf_ LD9׉H /https://donorbox.org/courageous-access-one-timeGׁׁrנdf_Á =̋9׉H Ehttps://www.surveymonkey.com/stories/SM-i15jUztYtldKE8JbwiSS5Q_3D_3D/Gׁׁrנdf_ā 39׉H chttps://docs.google.com/forms/d/e/1FAIpQLSdNDqZkETHemmmrfkIQquZmt0o50rj2QZ5Jt1msl6halAahVg/viewformGׁׁrנdf_Ł 29׉H <https://www.youtube.com/watch?v=w9Wriburg74&feature=youtu.beGׁׁrנdf_Ɓ 9׉H Ohttps://mountaincrisisservices.org/domestic-violence/healthy-relationship-wheelGׁׁrנdf_ǁ dK9׉H Ohttps://mountaincrisisservices.org/domestic-violence/healthy-relationship-wheelGׁׁrנdf_ȁ 7̆9׉Hhttps://www.thehotline.org/Gׁׁrנdf_Ɂ ̶9׉Hkhttps://www.cfirellc.com/talks-and-trainings#:~:text=Community%20Safe%20Spaces%E2%84%A2.18%20months%20after%20leaving%20DV%20is%20still%20the%20most%20dangerous%20time%20for%20the%20victim.%20Setting%20up%20confidential%20places%20in%20our%20communities%20where%20these%20women%20can%20get%20access%20to%20expert%20assistance%20in%20getting%20this%20done%20right.Gׁׁrנdf_ʁ 'bi9׉H /https://www.cfirellc.com/team/types-of-dv-abuseGׁׁrנdf_ˁ 09׉H https://www.helpguide.org/articles/grief/coping-with-grief-and-loss.htm#:~:text=Grief%20is%20a%20natural%20response%20to%20loss.Gׁׁrנdf_́ H9׉H https://www.google.com/search?q=response+definition&amp;rlz=1C1CHBF_enUS967US967&amp;oq=response+definition&amp;aqs=chrome..69i57j0i512l9.3295j1j7&amp;sourceid=chrome&amp;ie=UTF-8Gׁׁrנdf_́ _ˁ"	9׉H https://www.google.com/search?q=loss+definition&amp;rlz=1C1CHBF_enUS967US967&amp;oq=loss+definition&amp;aqs=chrome..69i57j0i512l9.1968j1j7&amp;sourceid=chrome&amp;ie=UTF-8Gׁׁrנdf_΁ ;؁D9׉H >https://dictionary.cambridge.org/us/dictionary/english/respectGׁׁrנdf_ρ TB9׉H https://en.wikipedia.org/wiki/Self-blame_(psychology)#:~:text=Self%2Dblame%20is%20a%20cognitive%20process%20in%20which%20an%20individual%20attributes%20the%20occurrence%20of%20a%20stressful%20event%20to%20oneself.Gׁׁrנdf_Ё RK9׉H`https://www.verywellmind.com/loneliness-causes-effects-and-treatments-2795749#:~:text=loneliness%20is%20actually%20a%20state%20of%20mind.%20Loneliness%20causes%20people%20to%20feel%20empty%2C%20alone%2C%20and%20unwanted.%20People%20who%20are%20lonely%20often%20crave%20human%20contact%2C%20but%20their%20state%20of%20mind%20makes%20it%20more%20difficulGׁׁrנdf_с [H	9׉H >https://dictionary.cambridge.org/us/dictionary/english/feelingGׁׁrנdf_ҁ ;>9׉H Ohttps://www.apa.org/topics/anger#:~:text=Anger%20is%20an,and%20mental%20health.Gׁׁrנdf_Ӂ C/B
9׉Hhttps://en.wikipedia.org/wiki/Sadness#:~:text=Sadness%20is%20an%20emotional%20pain%20associated%20with%2C%20or%20characterized%20by%2C%20feelings%20of%20disadvantage%2C%20loss%2C%20despair%2C%20grief%2C%20helplessness%2C%20disappointment%20and%20sorrow.%20An%20individual%20experiencing%20sadness%20may%20become%20quiet%20or%20lethargic%2C%20and%20withdraw%20themselves%20from%20others.Gׁׁrנdf_ԁ \;>9׉Hhttps://ocrelationshipcenter.com/blog/is-a-narcissist-hoovering-after-a-breakup/#:~:text=When%20speaking%20of%20relationships%2C%20what%E2%80%99s%20a%20good%20hoover%20definition%3F%20Hoovering%20is%20a%20term%20derived%20from%20the%20Hoover%20vacuum%20cleaner.%20It%E2%80%99s%20a%20slang%20term%20that%E2%80%99s%20become%20popular%20to%20describe%20the%20process%20of%20a%20toxic%20partner%20you%E2%80%99ve%20cut%20ties%20with%20who%E2%80%99s%20trying%20sneaky%20ways%20to%20get%20you%20back%20into%20a%20relationship.Gׁׁrנdf_Ձ YLJ9׉Hmhttps://www.abuseandrelationships.org/Content/Basics/escalation.html#:~:text=Escalation%20occurs%2C%20in%20part%2C%20because%20the%20feeling%20of%20being%20in%20control%20is%20never%20stable%20for%20the%20primary%20aggressor.%20Events%20that%20do%20not%20turn%20out%20the%20way%20the%20primary%20aggressor%20wants%20or%20expects%20fuel%20the%20need%20for%20control.Gׁׁrנdf_ց c\x9׉H Qhttps://www.verywellmind.com/signs-that-a-relationship-could-turn-violent-4100203Gׁׁrנdf_ׁ `l~9׉H Ihttps://www.womenslaw.org/about-abuse/am-i-being-abused/danger-assessmentGׁׁrנdf_؁ /9׉H whttps://hhs.iowa.gov/sites/default/files/portals/1/userfiles/32/ivp/homicides%20in%20iowa%202016%20-%202020%20final.pdfGׁׁrנdf_ف 89׉H ]https://dvmedtraining.csw.fsu.edu/wp-content/uploads/2014/01/Conditions-and-Injuries-2014.pdfGׁׁrנdf_ځ Q9׉H https://www.bannerhealth.com/healthcareblog/teach-me/watch-for-these-key-warning-signs-of-compassion-fatigue#:~:text=you%E2%80%99re%20overwhelmed%20from%20being%20exposed%20to%20the%20trauma%C2%A0of%20others%20(secondary%20traumatic%20stress).Gׁׁrנdf_ہ ҁI9׉H Lhttps://www.psychologytoday.com/us/therapists/iowa?category=african-americanGׁׁrנdf_܁ p:9׉H <https://www.iowahealthieststate.com/back-the-black#resourcesGׁׁrנdf_ qb9ׁHhttp://WomensLaw.orgׁׁЈנdf_ h`s9ׁHhttp://VeryWellMind.comׁׁЈנdf_ cO̞9ׁH  http://abuseandrelationships.orgׁׁЈנdf_ ]W9ׁHhttp://HelpGuide.orgׁׁЈנdf_ f%]9ׁHhttp://Hotline.orgׁׁЈנdf_ ?x9ׁHhttp://TheHotline.orgׁׁЈנdf_ J9ׁH !mailto:courageousaccess@gmail.comׁׁЈנdf_ 9ׁH !mailto:courageousaccess@gmail.comׁׁЈנdf_߁ +Ӂ̖9ׁHhttp://cfirellc.com/homeׁׁЈ׉E`• Abuser expressing ownership of victim
We have lost too many between 2016-2020 - 36%
of all homicides in Iowa were Black people, 38%
of the 36% were Black women due to DV14 directly
at the hands of their abusers. Countless others we
have lost indirectly15 to DV due to suicide, STIs
(sexually-transmitted illnesses), chronic illnesses, and
deadly illnesses. I know we want to stop seeing this
happening, Beloved.
So here’s what we gotta do:
• Be compassionate to our community’s survivors’
natural response to loss. Don’t minimize it. By giving
her the right to express her true feelings, you can
encourage her to choose healthy places to talk about it.
• Provide resources to properly support her grief.
You can’t be her forever sounding board; don’t try
to be. That leads to compassion fatigue16. A great
resource to give her is the link to Black therapists in
Iowa Directory17 located on #BacktheBlack website18!
She can find a professional to help her navigate
through her grief in healthy ways.
• If you’re the survivor, acknowledge your grief. It’s
a perfectly NORMAL response to loss to feel grief.
Give yourself permission to feel it and process it.
The natural response doesn’t mean you’re failing or
stupid. It is just as natural as b r e a t h i n g. Utilize the
directory to find a Black therapist who you feel would
make a good partner in your therapeutic process.
How do you do that? Once you’ve gone through the list
of folks and found some you’re genuinely interested
in, call them! Tell them you’d like a 15-minute
conversation with them prior to selecting a therapist
- in person or via virtual meeting - to determine
whether you believe it’s a good match. During your 15
minutes, tell them what you’d like in therapy, what you
don’t think would work for you in therapy. Then, watch
their response. If you like it, they’re probably going to
make a good partner and you can proceed. If you don’t
like it, thank them and move on until you do. Your
insurance is paying for this, this is your healthcare,
and you get to decide who you’re going to do this work
with.
• If you’re supporting the survivor and are just
understanding this “perfect couple” wasn’t a reality,
acknowledge your loss. Sometimes we are intolerant
of their grief as the survivor because we are struggling
to assess our own sense of the loss of what we thought
this couple was - #couplesgoals. Your feelings about
what you will lose or have lost in no longer having this
couple buddy pair in your circle, the confusion over
advice you received from them that was healthy, the
strangeness for your children trying to understand
what happened, etc., is also a natural response to
your own loss. You’re not being selfish for these
feelings, and ignoring them only makes it harder for
you to remain healthy and balanced throughout your
involvement in this situation. Be good to you; admit
your grief and utilize those same resources you shared
with the survivor.
Beloved, when we acknowledge facts and have
resources to effectively deal with them, we keep
survivors safer physically and emotionally, as well as
practice wise self-care for ourselves, our extended
families, and our communities. And we don’t have to
wait for August 30th to roll around every year to do
that.
Blessings,
By Courageous Fire
Owner & Social Entrepreneur of
Courageous Fire, LLC
Founding Executive Director of
Courageous Access
What’s Happening:
1. #BacktheBlack campaign and website are launched!
It happened during Mental Awareness Month in May,
and we’re just getting started. The more we make
mental health accessible in ways that the Black Iowan
community sees as approachable and culturally
relatable, the more we increase safe spaces for Black
women. What can you do? #BacktheBlack PSA
• The merch website is now open!!! That means you
can buy tees, water bottles, buttons, stickers, hoodies,
beanies, ball caps, and aprons that sport the message
that it is ok for us as Black Iowans to seek out mental
health support. Allies, please note the message
regarding who the merch is intended for and why and
support accordingly.
• Tell me about ALL your ideas you want me to help
relatable moments into #BacktheBlack safe spaces
to feel safe getting mental health support the way
you believe your sphere of influence needs it! Iowa
Department of Health and Human Services a budget
that I can use to do the event. To get something on the
books in the grant cycle during the year of 2023, let’s
talk: Courageous Chat
• Be a Safe Space. Are you a Black business owner with
a brick and mortar? Good! Ask me to get you a Safe
Space poster you can put up in your front window!
׉	 7cassandra://MAT0tuSZ98ZTGcsKwgV6aqpcNaxZAyGblRijK4_eElEQg` dd_h׉E'That means you are in a place where it’s safe to talk
about mental health. Email me at cfire2019@gmail.
com.
• Become a Representative. Our Black female
marketing guru, Sarah Oyibo, got us ready with
presentations for any group you want to help better
understand mental health illness impact in our
community - youth, their parents, men, women,
seniors, and LGBTQ. All you have to have is the heart
to want to bring the info, we’ll give you the info! Just
click here: Become a Rep
• Do you just wanna learn more about all this first??
No problem, Beloved. Click here to just browse at your
own pace in privacy: #BacktheBlack
2. I am available to engage in consulting work with
organizations who realize they are Centers of Trust
and want to make sure they are equipped to help
our sisters during and after DV. I am also available to
engage in consulting work with organizations who
realize they should be serving Black women but aren’t
OR should be serving Black women better related
to DV or other crises. Click here and choose “Book
Courageous Trainings”.
3. Who is your next keynote or motivational speaker?
Beloved, the reason why organizations bring me in to
motivate and train is because I have an ability to take
my audiences on a journey with me in a way that fully
engages them while utilizing my message and each
of them to teach and motivate one another. People
continue to talk about not having been the same since
spending time with me. Watch cfirellc.com/home this
year to find out whether your desired date is available
on the events calendar. To book me as a speaker for
your next event, click here.
4. CFire LLC social media update - to keep updated on
what we’re up to you’ll need Facebook, IG, and YouTube!
Follow us there.
5. Courageous Access, our new non-profit 501(c)3,
is now 2 years old and just got a new GRANT! The
Iowa Department of Health and Human Services is
funding me to provide the Youth Healthy Relationships
program specifically for our Black girls who have
criminal charges in the juvenile court services in
Iowa!!! Please email me at courageousaccess@gmail.com
if you want to provide me with access to these young
ladies! We will be able to serve 5 groups of 10 girls each
between July 2023 - June 2024!
6. Our nonprofit is the expansion of how we change
the narrative with a mission to provide holistic
supportive services to Black female descendants of
slaves who have experienced domestic and or intimate
partner violence and the children they are raising;
promoting pathways of healing through self-reliance
and healthy legacy. There are 2 ways you can support
this important work when you go to our Get Involved
link on the website:
• We are rounding out our Board of Directors this
year! We have 2 officer positions that are still open
for interviews - treasurer and vice president - as well
non-officer director positions that still are open for
interviews. You can find the link to learn more right
here: Opportunities.
• Make a donation! We thank those who participated
in my Facebook quick-hit fundraiser during my
birthday month in 2022. You are welcome to make
your tax-deductible donation right here: Donate. Email
us for recurring donation or corporate sponsorship
opportunities at courageousaccess@gmail.com.
7. Our newest program, Youth Healthy Relationships
in partnership with Eleven24, just ended April 2023!
How did it go? Check it out right here: YHR 2023 Survey.
Who is eligible for the last one in 2023? Middle/high
school youth of color, preferably Black women DV
survivors. How do they sign up for the waiting list for
the next class? Click here: Link
8. We finished our most recent cohort of
Empowerment through the Arts™ in June 2023! We’re
always so excited to do this! This program helps Black
women DV survivors learn how not to repeat being
taken in by predatory relationships, including intimate
partners. Learn more and sign up here to get your spot
in the next class in 2024: Link.
9. In a relationship? Make sure it’s healthy: Healthy
Relationship Wheel Illustration. Or go to TheHotline.org,
or Phone: 800-799-7233
10. In an abusive relationship?
• Call us to get connected to a Community Safe Space to
begin safety planning, 515-428-0077
• At the Community Safe Space, talk to The Hotline.org
to commence safety planning
• At the Community Safe Space, take a look at types of
abuse, including sexual coercion, at Tools for Us
Endnotes
1. Taken from HelpGuide.org article
2. Physiological definition for response
3. Definition of loss
4. Shame definition
5. Self blame definition
6. Loneliness definition
7. Desperation definition
8. Anger definition
9. Sadness definition
10. Hoovering definition
11. Taken from abuseandrelationships.org article entitled Escalation
12. Article from VeryWellMind.com
13. Taken from danger assessment from WomensLaw.org
14. Taken from Iowa Violent Death Reporting System from Iowa
Department of Health and Human Services (IHHS)
15. Taken from the National Prevention Toolkit on DV for Medical
Professionals
16. Compassion fatigue definition
17. Directory location on #BacktheBlack website
18. #BacktheBlack website
13
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dn_׉E nHEALTH
UNDERSTANDING IMPOSTOR SYNDROME:
OVERCOMING SELF-DOUBT AND
EMBRACING SUCCESS
Written by: Cheries Dupee
׉	 7cassandra://pOlHZ0VRQw0MvxTp9Ibn8BC2kSgBD1WnCUBUux1dxSYB` dd_j׉ESHave you ever achieved something remarkable in
your life, only to find yourself plagued with self-doubt
and the fear of being exposed as a fraud?
If so, you may be experiencing what is commonly
known as Impostor Syndrome. Impostor Syndrome
refers to a psychological phenomenon in which
individuals doubt their accomplishments, have
persistent feelings of inadequacy, and fear being
exposed as a fraud despite evidence of their
competence. It affects people from all walks of life,
including highly successful individuals.
First identified by psychologists Pauline Clance
and Suzanne Imes in 1978, Impostor Syndrome
was originally believed to primarily affect highachieving
women. However, subsequent research
has revealed that both men and women, regardless
of their level of success or expertise, can experience
this phenomenon. It often manifests in professional
settings but can also affect personal relationships
and other areas of life.
The Impostor Syndrome experience can be
characterized by several common thought
patterns and behaviors:
• Persistent self-doubt: Individuals with Impostor
Syndrome often question their abilities and believe
that their accomplishments are due to luck or
external factors rather than their own capabilities.
They may attribute their success to being in the
right place at the right time, downplaying their
skills and efforts.
• Fear of failure and rejection: Those experiencing
Impostor Syndrome are often afraid of making
mistakes or failing because they believe it will
expose their perceived incompetence. This fear can
lead to excessive perfectionism and an aversion to
taking risks.
• Discounting achievements: People with Impostor
Syndrome tend to downplay their achievements,
dismissing positive feedback or attributing their
success to external factors. They may convince
themselves that they were merely "lucky" or that
others could have done the same.
• Overworking and overpreparing: To compensate
for their feelings of inadequacy, individuals with
Impostor Syndrome may overwork, constantly seek
validation, or spend excessive amounts of time
preparing for tasks and projects. Despite their high
level of competence, they still feel the need to prove
themselves.
• Fear of evaluation: Impostor Syndrome often leads
to an intense fear of evaluation or feedback, as
individuals are afraid of being exposed as frauds.
This fear can hinder personal and professional
growth, as they may avoid situations that require
them to put themselves out there.
So, why do people experience Impostor
Syndrome? The causes are multifaceted
and can vary from person to person. Some
possible factors include:
• Early experiences and upbringing: Childhood
experiences and parental expectations can shape
an individual's self-perception and create a fear of
not meeting standards. Unrealistic expectations
or constant criticism during formative years may
contribute to Impostor Syndrome later in life.
• Perfectionism: A strong drive for perfectionism
can fuel Impostor Syndrome. Individuals set
unrealistically high standards for themselves, and
even when they achieve success, they believe it's
not good enough.
• Cultural and societal factors: Societal and cultural
expectations can play a significant role in the
development of Impostor Syndrome. Stereotypes
and biases, such as racial or gender stereotypes,
can contribute to feelings of not belonging or being
undeserving of success.
Overcoming Impostor Syndrome is a
gradual and personal journey. Here are a
few strategies that can help individuals
navigate and overcome these feelings:
• Recognize and acknowledge your
accomplishments: Take the time to reflect on your
achievements and give yourself credit for your
hard work. Remind yourself that your success is
not solely based on luck or external factors but is a
result of your skills and efforts. Keep your resume
up to date to reflect your accomplishments.
15
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dq_נdn_ &BG9׉H $https://desmoinesperformingarts.org/Gׁׁrנdn_ W̑9׉Hhttps://stophiviowa.org/Gׁׁr׉E• Challenge negative thoughts: Practice identifying
and challenging negative self-talk. Replace selfdefeating
thoughts with positive and realistic
affirmations. Surround yourself with supportive
people who can help you reframe your perceptions.
• Embrace failure as a learning opportunity:
Understand that failure is a natural part of growth
and development. Instead of fearing failure, view it
as an opportunity for learning and improvement.
Embrace a growth mindset that allows you to see
setbacks as steppingstones toward success.
• Seek support and share your experiences: Talk
openly about your feelings of self-doubt with
trusted friends, family, or mentors. You'll likely
find that many people have experienced similar
feelings at some point in their lives. Sharing your
experiences can provide comfort and perspective.
• Celebrate and internalize positive feedback:
Accept praise and compliments graciously. Instead
of dismissing positive feedback, internalize it and
let it reinforce your self-belief. Keep a record of
positive feedback or achievements to refer to when
self-doubt arises..
Remember, Impostor Syndrome does not define
you or your capabilities. It's a common experience
that many successful individuals have faced.
By challenging negative thoughts, embracing
your achievements, and seeking support, you
can gradually overcome Impostor Syndrome
and embrace your true potential. You deserve
the success you have achieved, and it's time to
celebrate it with confidence.
References
Clance, P. R., & Imes, S. A. (1978). The imposter
phenomenon in high achieving women: Dynamics
and therapeutic intervention. Psychotherapy:
Theory, research & practice, 15(3), 241.
IMPOSTOR SYNDROME
׉	 7cassandra://YmiLlT5FopwEnCvJlQyqsfAZzxjXATtGZ-tXtvG5oLkR` dd_n׉EIntroduce the young people in your life to
the magic and wonder of live theater!
The Wellmark Family Series returns for
another amazing season, with three
productions taking the Civic Center stage.
Each one-hour performance is designed to
bring young minds on incredible adventures,
while educating audiences of all ages and making
memories that last a lifetime.
SETTING THE STAGE FOR MEMORIES
THAT LAST A LIFETIME!
Join us one hour prior to each performance
at the Civic Center for a FREE DISCOVERY
PARTY! This pre-show event is fi lled with
art-making activities, demonstrations, music
and other fun experiences!
THE 3-SHOW PACKAGE STARTS AT JUST $24!
THE
ADVENTURES OF
TORTOISE
AND HARE
SATURDAY,
NOV. 4, 2023
CIVIC CENTER
SATURDAY,
FEB. 17, 2024
CIVIC CENTER
SATURDAY,
APRIL 20, 2024
CIVIC CENTER
SATURDAY, JANUARY 27, 2024
TEMPLE THEATER
SATURDAY, MARCH 30, 2024
TEMPLE THEATER
This season we are excited to off er sensory-friendly performances
of What Do You Do With An Idea? and Havana Hop.
17
ADD-ON
ADD-ON
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dq_׉EMental Health:
Written by: Caleb Thomas, M.A. LMHC
August is the month everyone eagerly awaits.
It’s summer “high tide”, meaning summer is in
full swing. Kids are hoping the month will never
end because if it ends it means play time is over
and school is in. I pray you and your family are
enjoying these beautiful hot days of summer.
This month I want to take a moment to honor
the Elderly. Some of you reading this article
may be considered elderly, you know someone
who is elderly or maybe you are still young and
are far from being elderly. I want to honor the
Elderly by saying “Thank You”. Thank you for all
your contributions to this world. Why? Because
without the “elderly” human life would cease to
exist. The definition of elderly is a person who
is 65 years or older. However, 65 is considered
retirement age for most people in the United
States, however that varies around the world.
As I’m nearing ½ of a century yrs. old, I consider
65 to be young. I know many people who are 65
and look 55 and even younger. It’s a lot harder
to tell someone’s age these days as we share so
much in common. Our 65 yr. old today is very
different from a 65 yr. old decades ago. Our
way of thinking and interacting with the world
around us has changed, in the busyness of life,
our paths cross like freeways, crisscrossing in
our work and in our play. We interact with all
ages learning from one another. I did not say
with age comes wisdom, that’s for another
conversation. There is overlapping in almost
everything we do. We have professors, doctors,
law makers and law breakers 65yrs and older.
There was a time when one thought of the
IT’S HONORING THE
ELDERLY MONTH!
elderly as those who were in their 70’s, 80’s
90’s and 100’s. As a younger person reading this
article, becoming elderly may be furthest from
your mind. As a new parent thinking about your
newborn baby preparing to turn 18 and graduate
high school is not something one thinks about, you
think of the joy you are having in that moment,
memories in the making. However, God willing if
you are blessed to make it into your elderly years
then please consider thinking about two important
things: Your Health and Your finances.
Why those two? You’ve heard the expression,
“your health is your wealth”, because your health
is priceless. Your health allows you to position
yourself to get and keep wealth. As we think
about our health, let’s not forget how easily we
can contribute to having bad health. There’s an
expression that says: “the devil is in the details”.
We can’t blame everything on the devil, our
arch enemy, Satan. He has his part to play, yes,
he comes to rob, steal, kill and destroy, if we
allow him to. However, we can be our own worst
enemy. I know people who eat a vegetarian diet,
don’t drink or do drugs, don’t smoke but still get
cancer. It’s nothing the individual did, but rather a
health issue. If you are in either situation, I want to
encourage you to believe by faith and believe on
God’s promises for your healing. If you are in good
health at any age, take a moment every day and
Praise God for your good health. Take appropriate
measures to stay healthy. Get plenty of rest, drink
plenty of water and eat healthily, be mindful of
what you eat. Get a little exercise in too.
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dr_נdq_ ǁ}9׉Hhttps://www.thomasacc.com/Gׁׁrנdq_ [ǁ]!9׉Hhttps://desmoinesartcenter.org/Gׁׁrנdq_ 9׉Hhttps://www.naloxoneiowa.org/Gׁׁrנdr_ `ʁO9ׁHhttp://DESMOINESARTCENTER.ORGׁׁЈנdr_ 9ׁHhttp://NALOXONEIOWA.ORGׁׁЈ׉E	7It’s important to be financially stable as you grow towards the
elderly stages of life. You want your money to outlive you and
not you outlive your money, this will help ensure you can be well
taken care of into your 70’s 80’s 90’s and beyond. No matter
how little, learn to save for a rainy day.
Okay, I’m considered a generation X (Gen X) which means I was
born between 1965-1976, if you are a Gen X then your parents
may be considered a part of the Babyboomer generation, which
is between 1946-1964 or a Traditionalist/Silver generation, born
between 1928-1946. As Gen X we need to prepare and help our
parents prepare for their elderly years.
As a son of a “traditionalist”, I started my preparation for my
mom by ensuring I became her Power of Attorney and ensured
she has a Will and Testament and proper burial insurance. One
thing I was not prepared for was her diagnosis of dementia/
Alzheimer’s disease. I’ve learned a lot about the disease and its
effects, including the deterioration of the mind, thoughts and
actions. I’ve had to work with family and outside agencies to
ensure my mom can remain in her home. You too may be facing
a parent in need of outside assistance, may God strengthen and
bless you, if we live long, we will be the elderly one day but plan
ahead now especially as a Gen X.
For those of you whose parents have passed away, please
consider other elderly people who can use your help. Honor
them whether they’re in their own home or a care facility, a visit,
a word of encouragement, and your prayers will be a blessing
to them. If you have children, get them involved early so they
can understand the importance of honoring the elderly and
understand life is a process we all experience as we live, one
day they will be elderly. So, this month do something extra
special and honor the Elderly. Bring some extra joy and laughter
to someone elderly. If you are going through difficulties and
uncertainties as a caregiver, I encourage you to keep pressing
forward, and always know we are just a phone call away to help
support you as a caregiver. Let’s celebrate the Elderly together!
Blessings and Joy!
Thank you,
Caleb Thomas M.A. LMHC
319-206-0651
thomasacc.com
caleb@thomasacc.com
Thomas & Associates Counseling & Consulting
Counseling with a God given purpose!
LET’S CELEBRATE THE
ELDERLY TOGETHER!
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V
E
N
I
N
info
more
SATURDAY, AUGUST 19
11 AM – 3 PM
OVERDOSES
on opioids
FOOD TRUCKS
LIVE MUSIC
ART ACTIVITIES
NALOXONEIOWA.ORG
MORE INFORMATION AT
DESMOINESARTCENTER.ORG
IT
Anyone who uses opioids
is at risk of an overdose.
Be prepared with the nasal
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It’s easy to use and could
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opioid overdose until help
arrives. Ask for naloxone
at your pharmacy, now
absolutely free.
BE PREPARED TO SAVE A LIFE.
05/2023
21
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dr_׉E SMALL BUSINESS OWNERS
NEED ACCESS TO FUNDING
EMS CONTRIBUTOR
WRITTEN BY PETER WHITE - JULY 18, 2023
Four experts explore the challenges
women and marginalized communities face
to start and expand a small business.
׉	 7cassandra://8IWOWAxXPpO85VkYyvam9sqQVhcgkbAIXRxAPcnNP8MSS` dd_w׉ESen. Mark Warner, D-Virginia and co-chair
of the Community Development Finance
Caucus, joined a venture capitalist, a
community leader, and a young entrepreneur
July 14 to lay out the challenges and
solutions for starting and growing small
businesses in a post-Covid 19 environment.
Over 33 million small businesses make up
about 99.9% of businesses in the US, and
employ almost half of its workforce. During
the Covid-19 pandemic, 40% of Black and
Latino-owned businesses shut down, many
permanently.
Community Development Finance
Institutions — CDFIs — were one of the
keys to recovery, said Warner. “In a strange
bedfellows kind of moment, I partnered
strongly with then-Secretary Steve Mnuchin
of the Trump administration during the
COVID-19 pandemic to try to get a lot
of capital into our minority depository
institutions,” he said, at the news briefing
organized by Ethnic Media Services. Warner
and Mnuchin were able to distribute $12
billion in funding through CDFIs, Minority
Depository Institutions — MDIs — and Tier
1 capital through a Treasury Department
initiative known as the Emergency Capital
Investment Program.
In the aftermath of the murder of George
Floyd, many corporations pledged to
fight systemic racism. That hasn’t really
happened, says Mark Warner, D-Virginia,
discussing his plan to help corporate
America do the right thing. (EMS video by
Nina Mohan)
“Access to capital is a hugely important
issue,” said Warner, noting that many
minority entrepreneurs do not have
relationships with banks to allow them to
successfully apply for loans.
Gelat’OH!
Entrepreneur Sierra Georgia encountered this
very issue as she tried to expand her small
business, Gelat’OH, based in Washington
DC. “Like a lot of small business owners like
myself, this started with just a team of one
and it’s still not that much bigger than that,”
she said.
Sierra Georgia, founder of Gelat’OH!
(Linkedin photo)
Like a lot of women of color who want to
start a business, Georgia did not own a
house she could mortgage to raise capital.
She got funding through a CDFI, but only
received half of what she needed to expand
her business. So she raised money through
SMBX, a small business bonds marketplace
connecting small businesses to local
investors.
“It’s a real bond offering. If you donate to
somebody’s GoFundMe you’ll never see
that money again, but if you buy a Gelat’OH
bond, you get 11% back on your money in 2
years. It’s a way to bring wealth back to the
community and empower small business
owners,” said Georgia, who raised $25K in
four days via SMBX.
Empowering Black America
“As President Calvin Coolidge said, ‘the
business of America is business,’” said
Charles Phillips, co-founder of the Black
Economic Alliance, who served on President
Barack Obama’s Economic Recovery Board.
“This is what generates a lot of wealth in our
country and makes us different from other
countries.”
“We have a lot of entrepreneurs who build
businesses and build wealth and support
their families. And they support their
families that way and pass that down to their
families. And so we laud entrepreneurs in
this country as we should because it’s one of
our big differentiators.”
Charles Phillips, founder of the Black
Economic Alliance.
23
Acce ss to F unding
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dr_׉E “But not everybody has access to actually building
a business,” said Phillips, citing a 2020 survey by
the management consulting firm McKinsey which
found most black families didn’t know anyone who
could lend them $3,000 if they wanted to start a
business.
Phillips is involved with the Center for Black
Entrepreneurship on the campus of the historically
black colleges Morehouse and Spelman, to train
young entrepreneurs to be good business people.
The good news is, entrepreneurship is alive and
well in the black community. “If you look at the last
5 years, it’s been growing about 34% on average,
the fastest growing sector of the economy for new
business formation. But they need more capital and
training and access to these relati onships,” said
Phillips.
Warner noted that one of the fastest-growing
segments of entrepreneurship are businesses
owned by Black women.
Sexism Still Prevails
Shernaz Daver, Chief Marketing Officer at Khosla
Ventures and a 35-year veteran of the tech industry,
said the playing field is not level for women who
want to start up and grow businesses.
Shernaz Daver, CMO, Khosla Ventures.
Daver relayed some of the experiences her
acquaintances shared with her as they were trying
to raise funding. “’I went to fundraise and was not
taken seriously because I was a sole woman founder
until I found a male co -founder.’ That probably
resonates with a few of you,” she told reporters,
many of whom had founded their news outlet.
“’I went to get venture funding and I was asked when
I was going to have kids. No guy was ever asked
that. I was told I was too aggressive in my financial
projections, yet when my male partner presented it,
he was seen as confident,’” Daver said, sharing the
experiences of her acquaintances.
Importance of STEM Education
“I have been in the industry for over 35 years and
I heard the same thing 35 years ago. So it’s kind of
bad. And if you’re black or Hispanic, it gets worse,”
said Daver, noting that only 2 % of VC dollars go into
women-led founders. “It needs to change. Access to
capital is key,” she said.
A lot of women are starting up their own investment
firms, focusing on funding businesses that support
women’s needs, said Daver. She noted that a lot of
women-led startups are coming out of the biotech
industry. “If you have the ability or the inclination to
get into STEM or into biology, do it.”
“I have to believe the world is changing and we will
continue to change it if we all do it as a community.
And I think if we do that, we can have our own
woman Steve Jobs or our own woman Jack Ma,” said
Daver.
LIFT Act
Warner also spoke about the LIFT Act he had
introduced a day earlier. The legislation would
help first-time, first-generation home buyers —
predominantly Americans of color — build wealth
much more rapidly by offering a 20-year mortgage
for roughly the same monthly payment as a
traditional 30-year loan. “This effectively doubles
the amount of equity that you accumulate in the
first 10 years,” said Warner, noting that, for most
Americans, their biggest asset is their home.
“This is what generates a lot of wealth
in our country and makes us different
from other countries.”
- CHARLES PHILLIPS, CO-FOUNDER OF THE BLACK ECONOMIC ALLIANCE,
WHO SERVED ON PRESIDENT BARACK OBAMA’S ECONOMIC RECOVERY BOARD
׉	 7cassandra://j7DELDSghR1SLUi0CULoeoW2sJCz9ix77whHJdpBzwgM` dd_y׉ElATTAIN/THE OUT OF
THE BOX INITIATIVE
COMMUNITY SPOTLIGHT
Interviewed By: Urban Experience Magazine
Tell us about your nonprofit?
ATTAIN/The Out of the Box Initiative was started
at the end of 2020/2021; we are a 501(C)
(3) nonprofit. It was created as a permanent
continuation of the work I did in Norwalk BLM,
along with the others of that group. At the end
of 2020, I proposed The Out of The Box Initiative
to my friend Pascha Morgan, the basic idea was
that it would be a community library about the
cultures, histories, and ideas of people of color.
Together we came up with the idea to make
them 120 sq. tiny libraries that housed a plethora
of books from infant to adult. With interactive
play areas on and around the library. However,
Pascha, and I did not want to just stop there so
we created ATTAIN, a nonprofit that would be the
umbrella of all our projects. Our targeted focus is
serving underrepresented communities through
food and housing security, education, medical
and mental health care. Our name comes from
the definition Attain, which means: to reach,
achieve or accomplish; gain; obtain. To attain
one’s goals. To come to or arrive at, especially
after some labor or tedium. To put it simply, love
is a superpower and we believe that if we all
pitch in; we can change the world around us.
What made you want to give back to the
community?
JAKE: I had done prior community work, and
worked in the medical field. I have always had
a passion for helping people, but I was not
interested in changing the way the world was,
but rather doing what I could through medicine
and compassion. However, when I was falsely
arrested in 2020 during the George Floyd Protests
by the Des Moines Police Department; I was hurt
pretty seriously. I was beaten with batons, put
in positions my body could not handle, due to
injuries I have sustained to my body. I had to
defend my innocence for speaking out against
injustice against my community. It was not the
first time I had bad experiences because I was
a person of color, but that moment was the
moment I was not going to be mistreated again,
and I was going to do everything in my power
to prevent them from happening to anyone else.
I joined and led Norwalk BLM after my release
from jail, and then created ATTAIN with Pascha
later on that year and into 2021.
PASCHA: I have a little brother who was born
when I was about 10. When he was a baby,
my mom would read him a book called "What
if everyone did it"... In this book, it was things
like the little boy would throw something out
the window, and the mom would say what if
everyone did it and you would turn the page
and it would be trash piled up. It went on like
that. For me though, it made an impression on
me as a kid but it kind of was flipped upside
down so I live my life as if what if everyone did
it. I may only be able to feed a 100 people, but
what if everyone did it? I may be able to shelter
25
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 0wg9ׁHhttp://gmail.comׁׁЈ׉Ev50 people, but what if everyone did it? But I can't
ask the question if I'm not willing to do the work. I
have to be one of everyone.
Why is it important to help others?
Everyone does not have the same experience
in life. We do not all have the same support
systems, opportunities or guidance provided to
us. We are all in the same boat called life, but
that is where the comparison ends. We all have a
personal responsibility to each other. We have a
personal responsibility to act in good faith when
the opportunity is presented and as a “civilized”
society we have not just an obligation, but a
duty to end hunger in our community, to provide
shelter to those that are houseless, and to provide
the education and care that our community so
desperately need.
What would you say to someone who is
wanting to start their own nonprofit?
Go for it! Please let me know when you are
established so we can help create sustainability
in our community!
How can the community support your
work?
We take donations of gently used books, toys,
dvds, monetary donations, new clothing, shoes,
etc. school supplies, new winter clothing (For
Donations please provide us your email to send
you a Charitable Contribution Receipt: attainnp@
gmail.com.
How can our readers get in contact with
you?
Office: 2323 Grand Ave, Des Moines, IA
Email: attainnp@gmail.com
Facebook: https://www.facebook.com/profile.
php?id=100093556355482
Instagram: https://www.instagram.com/
theoutoftheboxinitiative/
Tell us about yourself.
Jake: I am 26 years old. I am a nursing student,
barber. Before working as a barber; I worked in
the medical field, and before that I was in the
Army briefly
Pascha: I'm 47 year old, an army veteran,
husband and father of eight, and community
work and service has been a passion of mine for
as long as I can remember.
Who are others who play a part in your
nonprofit?
Pascha Morgan- Cofounder, Eris Hawkins, Tyrone
Avant
What makes your nonprofit different?
Our nonprofit is different because we live in the
neighborhoods where we focus a lot of our work.
We see the daily life of our neighborhoods, which
gives us the knowledge to make a change and
make a difference.
What is the impact you want your
nonprofit to make in the next 3 yrs, 5 yrs,
and 10 yrs. ?
We are currently wrapping up our library
locations with two buildings at 13th and Forest
in the Creative Visions Parking Lot, and 1714
6th Ave- Center at Sixth (Coming Soon), and
three library annexes at 4921 Douglas Ave- Cut
Master Barbershop, 3682 68th St. #9-SOSS Styling
Studio and Boutique, 2323 Grand Ave-Runway
Consortium. We have two community fridges at
2300 Hickman Rd and 5720 Urbandale. We have
partnerships with DMPS, and other nonprofits/
organizations. We hope in the next three years
to have sustainable community gardens, and
a web of community fridges, while maintaining
our emergency contraception distribution
with Supply Hive and other programs with our
partners. We hope in 5 years to have our youth
and family community centers running, and in 10
years we hope to be a pillar in Des Moines. We
hope that our nonprofit outlives us, and multiple
lifetimes to serve the future generations of our
community.
׉	 7cassandra://eCXcZG2W0ctWjYfDM7XXztIfNgAyjPuNb_ZOIqqROXkHH` dd_׉E (27
ATTAIN/THE OUT OF
THE BOX INITIATIVE
dd_̀dd_(בCט   (u׉׉	 7cassandra://wM5cG1CieKYHRhInuS6OmGnhaTsQxbRpP_sF9VdVgvA `iq׉	 7cassandra://mKvUYhrMbR-VVewpuGvurr9r-l2bNOWk6y8iwUSbQXw9`׉	 7cassandra://r8E6_GUYp4V6GqpfQ68IYG--BtpclIfjSosxE7sV9f0C` ׉	 7cassandra://fE88dBcWN_twIuDZ0yPPp6ZLe9lNW6CHSWt9N57lQhQ ͠
ds_נds_	 y9׉Hhttps://www.alz.org/iowaGׁׁrנds_ \9ׁHhttp://alz.org/IowaׁׁЈ׉EALZHEIMER’S ASSOCIATION: IOWA CHAPTER
VOLUNTEERING
MAY PROTECT YOUR BRAIN
HEALTH & MEMORY
By Alzheimer’s Association
Volunteering later in life may protect the brain against memory loss and dementia
according to a new study of nearly 2,500 ethnically and racially diverse U.S. older
adults. Researchers found better memory and brain function among those who
volunteered in the past year, and people who volunteered several times per week had
the highest levels of brain function.
ALZHEIMER
׉	 7cassandra://r8E6_GUYp4V6GqpfQ68IYG--BtpclIfjSosxE7sV9f0C` dd_͂׉EVolunteer activities, such as supporting educational,
religious, health-related or other charitable
organizations, can help older adults be more
physically active, social and provide stimulation
that may protect the brain. Volunteering contains
elements of activity, altruism, socialization and
overall positivity about personal contributions that
could lead to better overall health and mental health.
Find something you like to do, and will continue to
do on a regular and ongoing basis. The Alzheimer’s
Association has a wide variety of volunteer
opportunities.
One option is volunteering to participate in
Alzheimer’s research. Individuals with dementia
and those who are at risk, caregivers and healthy
volunteers with no cognitive issues are all needed
today to help advance Alzheimer's research.
To address the growing need for clinical trial
participants, the Alzheimer’s Association launched
Alzheimer’s Association TrialMatch® – a clinical
studies matching service.
For people with Alzheimer’s and
caregivers, participating in research
enables them to:
• Play a more active role in their treatment.
• Gain access to potential treatments before they
are widely available.
• Receive expert medical care at leading health care
facilities, often free of cost.
• Contribute to changing the course of the disease,
and benefitting future generations
OTHER LOCAL VOLUNTEER OPPORTUNITIES INCLUDE:
Walk to End Alzheimer’s Committee Member: Join your local volunteer committee to help reach the
annual fundraising goal, plan the day of the Walk, recruit new Walk teams and spread awareness.
The Longest Day Committee Member: Join this volunteer committee to help recruit new participants and
local businesses, spread awareness and plan the kick-off and celebration parties.
Gala Committee Member: Join one of the Iowa Chapter gala committees to help plan the event, secure
sponsors and spread awareness. The Wine & Chocolate Festival is held in the Siouxland area, Memories in the
Making is in the Quad Cities, and the Purple Soirée is in Des Moines.
Community Educator: Deliver Alzheimer’s Association education programs on care and support topics,
recruit new community partners and schedule presentations.
Support Group Facilitators: Lead a monthly caregiver support group and spread awareness to reach new
caregivers.
Alzheimer’s Impact Movement (AIM) Advocate: Help pass state and federal legislative priorities to
overcome Alzheimer's disease through increased investment in research, enhanced care and improved support.
Outreach Volunteer: Help reach and spread awareness in underrepresented and high risk populations and
assist with health equity work.
The Alzheimer’s Association Iowa Chapter has local care and support resources to help Iowa families facing the
disease. Find education programs, support groups, events and volunteer opportunities at alz.org/Iowa or call the
Alzheimer’s Association 24/7 Helpline at 800.272.3900.
29
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ds_׉E GSPIRITUALITY:
SPEAK
LIFE INTO
EXISTENCE
Written by: By Donnetta Austin
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LOOKED AT
THEM AND
SAID,
“WITH MAN
THIS IS
IMPOSSIBLE,
BUT WITH
GOD ALL
THINGS ARE
POSSIBLE “
MATTHEW 19:26 NIV
Matthew 19:26 niv
Jesus looked at them and said,
“With man this is impossible, but with God
all things are possible “.
The word of God is powerful. When you
align your mind to thinking the way God
see’s you, a situation, or circumstance you
worry less, pray more, and have faith in
what He can do.
Release the control and stressors of
whatever you may be going through,
and walk by faith not by sight. Get into
agreement with God’s word.
What you speak out of your mouth, you
begin to believe. Job 22:28 states, thou
shall also decree a thing and it shall be
established unto thee and the light shall
shine upon thy ways.
The word of God is a guide to help you
through life’s obstacles. The Holy Spirit
helps you through the process. It is our
duty to trust in the Lord at all times and
leave all consequences to Him.
Have it your way or by His design. The
decision is yours which one will you
choose?
31
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dt_נds_ 8!9׉Hhttps://yourlifeiowa.org/Gׁׁrנds_ r)9׉Hhttps://yourlifeiowa.org/Gׁׁrנds_ wށ̞9׉Hhttps://gettested.cdc.gov/Gׁׁrנds_ nc	9׉Hhttps://www.ridedart.com/Gׁׁrנdt_ z
9ׁHmailto:mtiedens@ridedart.comׁׁЈנdt_ ma	9ׁHhttp://www.ridedart.comׁׁЈ׉E Juneteenth 2023
Thank you for Supporting
Ottumwa
LULAC
Greater Ottumwa
Fareway Meat &
Grocery
INdian Hills
Community
College
Jumping jim's
party rentals
John Paul Jones
Group
Ottumwa Radio
Group
Efficient
Electrical Energy
Consultants
Ottumwa Family
YMCa
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DES MOINES AREA REGIONAL TRANSIT AUTHORITY (DART)
Disadvantaged Business Enterprise (DBE) Goal for FY2024-FY2026
The Des Moines Area Regional Transit Authority (DART), in accordance with
regulations of the U.S. Department of Transportation, 49 CFR, Part 26, hereby
announces its FY 2024-2026 goal of 1.8% for DBE participation on Federal
Transit Administration (FTA) assisted contracts, purchases, and services.
The proposed goal and its rationale are available for public review for the
next 30 days during normal business hours of 8:00 a.m. to 5:00 p.m., Monday
through Friday, at the DART administrative offices located at 620 Cherry
Street in Des Moines, Iowa, 50309.
Written comments regarding the goal and the methodology used for
developing it will be accepted for forty-give (45) days after publication of
this notice. Please visit www.ridedart.com or contact Mike Tiedens, DART
Grants Program Administrator at mtiedens@ridedart.com.
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dt_נdt_ -d-9׉H https://www.meetmolina.com/ia-medicaid?utm_source=flyer&utm_medium=sales-collateral&utm_campaign=vanity-url-meet-molina-ia&campaign_id__c=7012r000001s0xeqakGׁׁrנdt_ x[19׉Hhttps://www.losros.com/Gׁׁrנdt_! 5R9ׁHhttp://MeetMolinaIA.comׁׁЈ׉E FREE PRESCRIPTIONS
FREE CAR SEATS
24/7 NURSE LINE
FAMILY DOCTOR
URGENT CARE
ZERO COPAYS
HEALTHY REWARDS
TRANSPORTATION
MeetMolinaIA.com
We bring more
to Medicaid.
(844) 325-3237
TELEHEALTH VISITS
׉	 7cassandra://75Ay_tQgxPDSUD0Ho_EpiRBz87BbEEG1WgkSqkM5vOUI` dd_͎׉E gr aphix
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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du_"נdt_ lS&9׉Hhttps://www.hendersonshp.com/Gׁׁrנdt_  n9׉Hhttps://www.greenstate.org/Gׁׁrנdu_& n9ׁHhttp://GreenState.orgׁׁЈ׉EIt's important to take the time to
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://t_MlBtyk5aDfatGhxUt926alkeXNfebdYuY5tEm1YGMX9` dd_͒׉E9As a financial cooperative, GreenState’s cooperative structure
benefits everyone. Through competitive pricing and low fees,
millions of dollars each year goes back into the pockets of
members. Even non-members benefit from the competitive
financial services landscape in our state.
Rewards Checking • CDs & IRAs • Money Markets
Insurance • Home / Auto Loans • Credit Cards
Investments & Trust Services • Business Loans
GreenState is consistently ranked in the Top 1% Nationally for
returning profits with better rates & lower fees. That means one of
the Top financial institutions in the country, is right here in Iowa.
FINANCIAL INSTITUTION
GreenState
US Bank
Chase
Wells Fargo
(9,6RANK
40
5,414
5,653
7,945
*Data provided by Callahan and Associates 12/31/22
37
19 U.S. Institutions)
800-397-3790
GreenState.org
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dw_'נdu_$ n%!9׉Hhttps://www.dmplayhouse.com/Gׁׁrנdw_. s9ׁHhttp://DMPlayhouse.comׁׁ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://EpH6uTca91dA4u04B8bGTUlKgCZ0scSDwM7HwiSqxIUU` dd_͕׉E2023-24 SEASON
IN THE JOHN VIARS THEATRE
Once
SEPT. 8-24, 2023
All is Calm
DEC. 1-17, 2023
Our Town
FEB. 2-18, 2024
Beautiful: The
Carole King
Musical
MAR. 29-APR. 14, 2024
The Play That
Goes Wrong
MAY 31-JUNE 16, 2024
School of Rock
The Musical
JULY 12-28, 2024
IN THE KATE GOLDMAN CHILDREN’S THEATRE
Seussical TYA
OCT. 27-NOV. 5, 2023
A Charlie Brown
Christmas
DEC. 2-16, 2023
Dragons Love Tacos
MARCH 3-12, 2024
Ivy+Bean The Musical
MAY 3-12, 2024
SPECIAL EVENT – THE PENGUIN PROJECT:
Disney’s High
School Musical, Jr.
OCT. 13-15, 2023
Alexandra Gray
Rodgers + Hammerstein’s Cinderella
2022-23 Season
831 42nd Street | Des Moines | 515.277.6261
TICKETS, AUDITIONS, CLASSES, & VOLUNTEER
OPPORTUNITIES AT: DMPlayhouse.com
39
THE
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CARE PROVIDER?
FIND ONE AT: WWW.BROADLAWNS.ORG/DOCTORS
Main Campus: 1801 Hickman Road
Cityville: 580 SW 9th Street, Ste 100
East University: 2508 E. University Avenue
www.broadlawns.org
׉	 7cassandra://cvwKtbUbLSQQELrqNW1rXMOPYUM10doB1qw__DHgM34(=` dd_͘׈Edd_͙dd_͘(,UEM August 2023 It's the August edition of Urban Experience Magazine. Check out the article on Attain/Out of the Box Initiative and so much more. Thank you for your support. d\?UŎ}