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Priceless Vol 8 Number 11

Personal and Professional Empowerment

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



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

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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.’”


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


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