Priceless Vol 8 Number 11


Personal and Professional Empowerment www.hamptonroadsmessenger.com


Serving Norfolk, Portsmouth, Chesapeake, Hampton, Newport News, Suffolk, and Virginia Beach since 2006


President Obama Commemorates 70th Anniversary of D-Day


Page 8


Michelle Howard Becomes 1st Female 4-Star Officer in the U.S. Navy


The now four-star admiral was promoted recently, a first in the more than 200 years of the U.S. Navy.


47th Annual Hampton Jazz Festival


Page 9


Special Boat Arrives for Off-Shore Wind Project


Page 7


For One Martial Arts Academy, Small Business Program Brings New Hopes


Free July 2014


James and Deundra Hundon, owners of Universal Martial Arts Academy


U.S. Navy Adm. Michelle Howard lends a hand to Secretary of the Navy Ray Mabus as he and Wayne Cowles, Howard’s husband, put four-star shoulder boards on Howard’s service white uniform during her promotion


ceremony July 1, 2014, in Arlington, Va. PETER D. LAWLOR/U.S. NAVY VIA GETTY IMAGES


BY MONÉE FIELDS-WHITE Adm. Michelle


Janine


Howard became the first female four-star officer in the history of the U.S. Navy, according to a press release.


Howard, who was promoted at the Women in Military Service for America Memorial at Arlington National Cemetery in Virginia, is expected to relieve Adm. Mark Ferguson II as the 38th vice chief of naval operations today as well. The promotion also


makes her the first African- American female officer to achieve four-star ranking in the history of the military.


"Michelle Howard's


promotion to the rank of admiral is the result of a brilliant naval career, one I fully expect to continue when she assumes her new role as vice chief of naval operations, but also it is an historic first, an event to be celebrated as she becomes the first female to achieve this position," Secretary of the Navy Ray Mabus, who presided over


MICHELLE HOWARD PAGE 14 This Edition’s Highlights


Your Opinion Matters Editorial Health


Hampton Roads Upcoming Events Scholarships Watch


Supreme Court's Decision Shows Lack of Respect for Women The New Face of Faith: Few Catholic Latinos


Lower Vitamin D Levels Linked to Higher Premature Death Rate Cooling Assistance Applications Accepted Until August 15 Job Readiness Classes Milbank Diversity Scholars Program for Law Students


4 4 6


12 13 10


BY ANNA CHALLET When James and Deundra Hundon


opened Universal Martial Arts Academy in the Bayview-Hunters Point district of San Francisco in 2010, many people were skeptical – and some still are.


“We get a lot of doubters, a lot of


naysayers, who say, ‘Why would you open up a martial arts school on 3rd Street? You know how that neighborhood is … Aren’t you scared to open up a business there?’” says Deundra. “But my husband and I said, ‘This is the exact place for us to open up our business, it’s the exact community.’”


NEW HOPES PAGE 15


Saving Money on a Mortgage, From Start to Finish


For many consumers,


their mortgage is their biggest expense. Here are tips — for prospective borrowers as well as current homeowners — on ways to save money on a mortgage.


Prospective Homeowners Comparison shop


for your loan and don't be afraid to try to negotiate the interest rate as well as the fees. Start by getting quotes from different lenders based on the Annual Percentage Rate (APR), which factors in the interest rate as well as certain other finance charges you have to pay to obtain your mortgage. Those costs include "points" paid to the lender (each point equals one percent of the loan amount), fees paid to mortgage


brokers, and certain other charges expressed as a yearly rate.


However, not all closing costs are


included in the APR. Common examples include fees for a property appraisal (typically


MORTGAGE PAGE 11


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