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See MILLENNIALS, Page 4

See DALLAS Page 2

See AUTHOR Page 3

By Adam StephensThe fourth annual Irving Kid’s

Charity Golf Tournament’s kick-off party featuring a live and silent auc-tion was held at the Cool River Café on June 5, the evening before the event.

Each year, the tournament, one of Irving’s most important fundraisers for youth-oriented charities, raises a net total of approximately $110,000 to $125,000. The proceeds from the event are divided and donated to five charities that specialize in pro-viding services for children: the Ir-ving Schools Foundation, the Irving Healthcare Foundation, the Las Colinas Rotary Club, the La Buena Vida Youth Leadership Foundation, and the Irving Family YMCA.

Funds will be used to address issues such as child obesity, and preparing children to receive an ed-ucation. The YMCA will be funding a program that will allow children living in Spanish-speaking house-

By Adam StephensThe Greater Irving-Las Colinas

Chamber of Commerce and the Dal-las Regional Chamber hosted the eighth annual State of Dallas Coun-ty address at the Hackberry Creek Country Club on Wednesday, June 1. Dallas County Judge Clay Jen-kins, in a discussion mediated by Dallas Morning News’ political re-porter Gromer Jeffers, delivered the address summarizing the various challenges facing the area. The State of Dallas County informs citizens, business executives, and communi-ty leaders as to how their taxes are being managed.

One of the biggest concerns ad-dressed was the rising taxes in Dal-las County. According to Jenkins, the tax increases have mainly im-pacted middle class families, while people who live in expensive homes

By Trenton ConnerTrue to its book loving nature,

the Irving Public Library hosted Mathew Quick, New York Times bestselling author of The Silver Lin-ings Playbook, for a discussion pan-el and book signing on Friday, June 3. Quick, the final author to appear in the library’s 2016 author series, was there to showcase his latest YA novel, Every Exquisite Thing.

Complete with cupcake refresh-ments for the guests, the event took off with Quick telling the audience about his new book, and giving pro-phetic advice to the new budding authors in the room both young and old.

Mary Hinson, senior library assis-tant, moderated the discussion pan-

By Jessica Sluys“You may kiss the bride.” Some

people only need to be told this once in their lives. Some have to be instructed multiple times. But the attitude becoming more and more common nowadays is to avoid these five simple words altogether.

Millenials are people born be-tween 1982 and 1997; and if you are a millennial, there is a fairly good chance you are either single or plan-ning to stay that way for a while.

Traditional marriage has been on a downward spiral for years, but with this new generation, it is in an all out free-fall. According to a report released by Pew Research Center, 25 percent of millennials are likely never to be married.

“It’s a bond that people jump into nowadays only to jump out when they are not happy,” 27-year-old Alexander Coronado said. Although Coronado has no qualms with peo-ple who choose to wed, he cannot picture himself tying the knot.

Some millennials, like Corona-

Jenkins addresses state of Dallas Countysaw fewer tax increases. The median value of middle class homes is ex-pected to increase by approximately 12 percent in the coming year. In or-der to address this problem, Jenkins submitted a proposal suggesting that Dallas County and every oth-er taxing entity should adjust their respective tax rate in order to make sure that the revenue captured is equal to what was projected (not higher). This should lower the pro-jected increase to a more manage-able 7.5 percent.

“The middle class didn’t get a 10 percent raise, so they shouldn’t get a 10 percent increase in their taxes,” Jenkins said. “I’m not trying to call any group of people out. I’m saying we need to work together on this and provide meaningful relief to middle class families who are being slammed with these increases.”

Another issue Jenkins pushed during the address was healthcare, specifically the future of Medicaid. By not expanding Medicaid, Dallas County is expected to lose an aver-

age of $580 million per year, and 200,000 people who would be eli-gible for Medicaid coverage will be left uncovered. Jenkins emphasized the need to create a plan for Texas’

healthcare, claiming that the Dem-ocrats and Republicans he has talk-ed to agree that the current system needs to be addressed.

Library wraps up author series with Mathew Quick

With their books handy, Mathew Quick fans enjoy listening to his writing anecdotes and honest accounts of struggling with challenges such as anxiety. / Photo by Trenton Conner

Kid’s Charity Golf Tourney kicks off

holds to experience and adapt to a predominantly English-speaking environment.

“I really love this event the most out of all the big nonprofit fundrais-er events,” La Buena Vida Execu-tive Director Joy Goodrum said. “It doesn’t just help one nonprofit; it helps the nonprofit community as a whole. Right now, we have seven guys living in La Buena Vida House. They need a lot of food, medical care, summer school, and different necessities. This event lets us help them and hundreds of other kids in Irving.”

The tournament was held at the Four Seasons Resort and Club, and more than 120 people participated. Several sponsors participated as well. The USMD Health System, the presenting sponsor of the tourna-ment, had 16 of its employees take part in the tournament. A number of sports celebrities played the tour-

See CHARITY Page 4

el, which was hosted at the South Irving Library.

“We’re really excited to have Mathew here,” Hinson said. “His publisher actually pitched him to us. We are really excited that publishers are seeing that Dallas has become a literary hub, and that Irving espe-cially has become a hub. We’re really glad that [publishers] are recogniz-ing the desire the community has to create a relationship with authors.”

Quick had fans from across the Metroplex ready to meet him and get a dedicated copy of his releases.

“I’ve read all his books and my favorite is The Good Luck of Right

Now,” said Alacia Wyatt, a resi-dent of Bedford and longtime fan of Mathew Quick.

“I spent like five hours on the road to get here. I live in Bedford but I work in Dallas. I have kids, and their dad and I meet in east Texas, because he’s from east Texas. I left work at 2:30 to go pick up the kids to drive to east Texas to make sure that I made it back here at 7,” she said.

Though some listeners had nev-er read any of Quick’s stories, they enjoyed the experience nonetheless.

“I have never read his books,”

More millennials saying, “I don’t”

do, have decided to never mark the marriage milestone, while others are just waiting until they have their lives in order.

“I feel school is way too import-ant and marriage can wait,” physical therapy student Bailey Inman said. “I am in no rush. Plus, marriage at a young age is messy.”

Inman’s mother married at 20, the same age Bailey is now, and al-ways told her daughters that she married too young and settled in life. While this mindset does not deter Inman from dating and being in a serious relationship, it does put up certain boundaries and allow her the comfort of knowing she can break up and move on fairly quickly without having to worry about fi-nances and “what’s mine is yours.”

“Unless I am in a place where I want to have a house and babies, then I can’t talk marriage,” Inman said.

Inman’s opinion is not too far off from other millennial women’s way

Page 2 June 11, 2016 www.RamblerNewspapers.com

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DallasContinued from Page 1

COMMUNITY CALENDARCanal Fest June 11, 2 to 8 p.m.Canal Fest is an outdoor festival that brings fun, food, music, and culture to the beau-tiful Mandalay Canal in the Las Colinas Urban Center, 200 E. Las Colinas Blvd. Thousands of people attend this unique fes-tival, which includes live music, international dance performances, an indoor art exhibit, free family-friendly activities and attractions, and much more. Enjoy free face painting and caricatures, as well as paid water attractions such as gondolas, pedal boats and stand-up paddleboards.

Independence Day Dinner and Dance

Tuesday, July 5

6:30 – 9:15 p.m.

Register by June 28

Independence Day Dinner and Dance

Tuesday, July 5

6:30 – 9:15 p.m.

Register by June 28

Surf Shack Vacation Bible School June 13-17, 9 am - noonAll children 4 years old through entering 6th grade are invited.Woodhaven Presbyterian Church, 3650 N. O'Connor Rd., Irving, TX 75062. Register at www.woodhavenpres.org.

Father’s Day CelebrationJune 16, 9:30 AM - 12:30 PM Celebrate fathers, grandfathers, sons and grandsons at Heritage Senior Center. Par-ticipants will enjoy food, friendship and the classic film “Grumpy Old Men” starring Jack

Lemmon and Walter Matthau. Suggested donation for lunch is $1 for those age 60 and older; for those under 60 years of age, there is a mandatory charge of $6.25 for lunch. Meal tickets will be distributed beginning at 8:30 a.m. Registration is required by 5 p.m. June 13.

Sherlock Holmes Midsummer Tea at 221BJune 17, 7:00 PM - 11:00 PM Join us at the South Irving Library for another edition of Lit’s Alive and Friday Night Library. We’ll journey to the home of Sherlock Holmes

for an evening tea, refreshments included, as well as a mystery trivia contest, 221B keepsake craft stations and a screening of the movie featuring Robert Downey, Jr.

Woodhaven Neighborhood Block PartyJune 18, 10 AM - 2 PMWoodhaven Park by Woodhaven Presby-terian Chruch3650 N. O'Connor Rd. IRving, TXHamburgers and hotdogs with all the trim-mings, games for the kids.Bring lawn chairs or blankets for seating.

Free Cat Adoptions at IACC in JuneBeat the heat and adopt a cool cat! June is Adopt-a-Cat Month at the Irving Animal Care Campus, 4140 Valley View Lane. Adoption fees for cats one year and older are being waived during June, and kittens are available for a $50 adoption fee; regular adoption fees range from $70 to $100.

Animals being adopted will be:Up-to-date on vaccinations, including rabies if the animal is more than four months of age.Spayed or neutered.Given a general dewormer and treated for fleas and ticks.Microchipped and registered with 24Pet-Watch.FeLV / FIV tested (cats over six months of age).Given 30 days of 24PetWatch pet insur-ance (with a valid email address).Given a sample bag of Science Diet food All adoptions must be processed 30 minutes before closing.

Cimarron Aquatic Center Temporar-ily Closed for RepairsThe City of Irving Parks and Recreations Department has temporarily closed Cimarron Family Aquatic Center, 199 Red River Trail, for maintenance repairs. Irving operates a number of aquatic facilities, and patrons are advised to visit these until further notice.

“Everyone is less safe when we pull money out of the system,” Jen-kins said. “Texas, as a whole, needs a plan to address our healthcare situ-ation, and we are stronger when we work together.”

Jenkins spoke about many of Dallas County’s ongoing projects, including the development of City MAP, an ongoing project to deter-mine the needs of various agencies and individuals in order to create a highway development plan that works best for everyone involved.

Jenkins also spoke about Dal-las County’s Collegiate Academies, which allow high school students to earn associate’s degrees upon grad-uation. Students who graduate from participating schools are twice as likely to go on to complete post-sec-ondary education, according to Jen-kins.

Finally, Jenkins addressed the issues of the criminal justice sys-tem. Dallas County has the highest recidivism rate in Texas, and the City of Dallas has seen a spike in violent crime in recent years. Jen-

kins suggested that Dallas County adopt the Fair Chance Act, a nation-wide movement intended to create more opportunities for people that have formerly been impacted by the criminal justice system. Under the act, potential employers would no longer ask about a prospective employee’s criminal record on the initial application (although the question could be asked later in the process if it happens to truly be rele-

vant to the job at hand). Dallas County Commissioner

Dr. Elba Garcia spoke at the meet-ing, providing updates on current projects that the county is currently undergoing, including plans to ex-pand the Lone Star-Campión Trails between Irving and Grand Prairie. Plans are in the works to close the gap between the north and south end of the trail.

Covering topics like tax dollars and road expansion projects, Judge Clay Jenkins (R) and Gromer Jeffers (L) discuss the state of Dallas County. / Photo by Adam Stephens

Superintendent of Schools Jose L. Parra, Ed.D. recently named Eric Ogle, a 13-year employee of Irving ISD, principal of Lamar Middle School. Ogle is currently the associ-ate principal at Nimitz High School where he assists with all areas of leadership, including the oversight of instructional programs, facilities management and administrative re-sponsibilities. He will begin transi-tioning to his new position at Lamar Middle School this month.

Having worked at Lamar Middle School as a teacher and administra-

Eric Ogle named principal of Lamar Middle School

tive intern from 2008 to 2010, Ogle is very familiar with the Lamar com-munity. His other positions in Irving ISD include serving as assistant principal and dean of instruction at Barbara Cardwell Career Preparato-ry Center, summer school principal at Nimitz High School, teacher at Cardwell (when it was known as the Union Bower Center for Learning) and as a site director for the 21st Cen-tury Community Learning Center.

“I had the opportunity work at La-mar for two years, and I’m excited to return,” said Ogle, who described this as a bit of a homecoming. “I know what a special place Lamar is, and how much pride the students and staff have in their school. It is my desire to continue building on that pride, to work collaboratively with faculty, and to positively im-pact the entire school community.”

Ogle is focused on working collab-oratively with the faculty at Lamar to be the best version of themselves, consequently guiding students to be the best version of themselves.

“I’m excited to lead the students through the challenges and ad-ventures that they’ll face in middle school, high school and beyond,” he said.

“Mr. Ogle is an exceptional school

leader who has the experience, skills and commitment necessary to lead Lamar Middle School to greater levels of success,” said Associate Su-perintendent of Academic Services Adam Grinage, Ed.D. “His belief that all students deserve the best educational opportunities available to them drives him to perform every day. The administration is confident that Mr. Ogle will serve the students, staff and parents well as its new principal.”

Prior to joining Irving ISD in 2003, Ogle taught at Boswell High School in the Eagle Mountain-Sag-inaw ISD, managed several restau-rants and served as a youth minister for a church in Decatur.

Ogle holds certifications in sec-ondary English, secondary commu-nication applications, English as a second language and education-al administration. He earned two bachelor’s degrees (one in language and composition, the other in com-munication studies) and a master’s degree in secondary education from the University of North Texas in Denton. Ogle also earned a master’s degree in educational leadership and policy studies from the Univer-sity of Texas at Arlington.

SOURCE Irving ISD

A 13-year employee of the district, Eric Ogle will serve as Lamar Middle School''s new principal. / Courtesy Photo

GRAPEVINE, Texas – Bay-lor Scott & White Medical Center – Irving earned recognition for consistently providing quality, re-searched-based treatment for stroke patients, thereby improving out-comes and speeding recovery.

The hospital received the Amer-ican Heart Association/American Stroke Association's Get With The Guidelines®-Stroke Gold Plus Quality Achievement Award with Target: StrokeSM Honor Roll Elite.,

Baylor Scott & White Irving recognizedawarded to hospitals providing the most appropriate stroke treatment according to nationally recognized, research-based guidelines based on the latest scientific evidence.

“We’re honored to receive this recognition, which underscores our commitment to providing advanced stroke treatment quickly and safe-ly to patients,” said Carla Ramirez, MD, medical director of the stroke program at Baylor Scott & White -- Irving.

Hospitals must achieve 85 per-cent or higher adherence to all Get With The Guidelines-Stroke achievement indicators for two or more consecutive 12-month periods and achieve 75 percent or higher compliance with five of eight Get With The Guidelines-Stroke Quality measures to receive the Gold Plus Quality Achievement Award.

To qualify for the Target: Stroke Honor Roll Elite, hospitals must

See BAYLOR Page 7

Page 3June 11, 2016972-870-1992

AuthorContinued from Page 1

said Eric Ho, resident of Irving. “We were just looking for something to do, and we found this event. It was really eye opening to me, and I found it very interesting.

“I think he’s really honest and that makes him really special. A lot of us can benefit from that and to me he is really funny too. I know he is just trying to promote the books for his tour, but at the same time, he is also pitching that you should love your-self and be yourself and that kind of message. So I thought it was really neat,” he said.

“I thought it was very interesting, I appreciate how honest he was,” said Brad Syverson, another resident of Irving. “I liked his discussion about how authenticity is what really mat-ters and that is what people find re-ally compelling about his work.”

Quick has a common theme of mental illness in many of his novels. He often discusses it and draws off personal experiences and of people he knows who deal with it to develop the voice of his characters.

“My journey from a mental health standpoint was feeling really messed up as a teenager and keeping that

very private, to feeling even worse as a teacher, to being a writer and feel-ing a lot better because it is where I feel like I can be authentically me,” Quick said. “When I started writing my first book, I thought it was going to be about football and father son relationships, and then when it was published I had this ‘uh oh’ moment when I realized that for the first time in my life, at 33, I was going to have to talk about how I dealt with de-pression and anxiety my entire life.

“I really wanted to see him, be-cause his characters struggle so much with the different mental dis-orders or some sort of craziness,” Wyatt said. “They are just very ec-centric characters. I was really excit-ed to get to come.”

Every Exquisite Thing, published by Little, Brown & Company, tells the story of Nanette O’Hare, a com-mon people pleasing teenager, who goes on a mission after she reads a book she is given by her favorite teacher entitled The Bubblegum Reaper.

“Nanette is a high school student who didn’t know who she was,” Quick said. “You have this teacher,

Mr.Graves who gives her this book that changes her life. If she could fit in in her school, if she could be the star student, go to college, and make her parents happy, if that was in her to do, I think she would do it in a second, but it’s not in her to do. She can’t change her personality.”

Quick discussed how difficult it was to get started as a professional author before his first bestseller.

“For three years, I didn’t get paid at all. I was living in my in-law’s basement, overstaying my welcome, and because of that I was writing sometimes 11 hours a day. I came from a family of protestant bank-ers, and it felt validating to finally make money off of what I do. I mean I [only] made enough to afford a 2 room apartment, but still,” Quick said.

When asked for advice for future aspiring writers who want to be suc-cessful, Quick had this to say:

“If you go into it with the idea that you want a lot of people to read your books, that can be a recipe for disas-ter,” Quick said. “There are a lot of people who write books, and there are very few people who have books

that are read by a lot of people. “Find something that you are re-

ally passionate about, something that you love, and write about it. And write about it every day. If it’s

not fun to write about, stop, and find something that is fun to write about. If it works out, the success will come,” he said.

On tour for his newest book, Mathew Quick shows off the cover of Every Exquisite Thing before signing books. / Photos by Trenton Conner

Page 4 June 11, 2016 www.RamblerNewspapers.com

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LEGALS

Request for Public CommentTo

All Citizens, Agencies, and Interested PartiesRegarding

City of Irving Proposed 2016-2017 Action Plan for the Use of CDBG, HOME, and ESG Grant Funds from the U.S. Department of Housing and Urban Development (HUD)

PurposeOn Wednesday, June 15, 2016, at 6:00 pm, the Irving Housing and Human Services Board will hold a public hearing. The Irving City Council will hold a public hearing on Thursday, July 21, 2016, at 7:00 pm. These public hearings will be held with regard to the 2016-2017 Action Plan for use of federal funds under the following grant programs of the U.S. Department of Housing and Urban Development (HUD): Community Development Block Grant (CDBG), HOME Investment Partnerships Program (HOME), and Emergency Solutions Grant (ESG). The purpose of these public hearings will be to receive resident input and to receive comments from agencies and/or individuals regarding recommended allocations for each of the grants regarding the City’s DRAFT proposed Action Plan for the use of these funds. Both hearings will take place at the Irving City Hall, 825 W. Irving Blvd., Irving, Texas. All residents are encouraged to attend. Meetings will be conducted in English with a Spanish interpreter available. All facilities are wheelchair accessible and handicapped parking spaces are available. Requests for interpretation services or assistive hearing devices must be made 48 hours prior to the meeting by contacting Shanae Jennings, City Secretary, at (972) 721-2493 or (TDD) 800-RelayTX (1-800-735-2989) for assistance.

The proposed Annual Action Plan, which provides recommended allocations and activities of the City of Irving (provided in the tables below), will also be made available for a public comment period. Comments on the proposed plan will be received from Monday, June 13, to Wednesday, July 20, 2016, at the City of Irving Planning and Community Development-Grants Department. Copies of the proposed Annual FY 2016-2017 Action Plan may be obtained at the following locations: City Hall Information, South Irving Public Library, and City of Irving Planning and Community Development - Grants Department, and the Housing and Human Services webpage: http://www.ci.irving.tx.us/housing-human-services/index.html. Following the close of the public comment period, City Council is scheduled to consider approving the final 2016-2017 Action Plan at its regular meeting on Thursday, July 21, 2016. The City’s final 2016-2017 Action Plan will be submitted to HUD on or around August 15, 2016.

Printed below is a summary of the proposed FY 2016-2017 Action Plan. The general purposes of the HUD grants for which this plan was developed are: to provide decent housing, establish and maintain a suitable living environment, and expand economic opportunities for all Irving residents, particularly low and moderate income persons. The Action Plan identifies activities to be funded and implemented in FY 2016-2017. This plan meets federal requirements under the Housing and Community Development Act of 1974, as amended; the National Affordable Housing Act of 1990, as amended; and the Stuart B. McKinney Homeless Assistance Act of 1987, as amended. All projected uses of funds under the proposed Action Plan are eligible in accordance with the following federal regulations: 24 CFR Part 570, CDBG Program Final Rule; 24 CFR Part 92, HOME Program Final Rule; and 24 CFR Part 576, ESG Program Final Rule. The Action Plan serves as the City of Irving's application for federal funds under the above-listed grant programs.

Total anticipated new funding for FY 2016-2017 under the above programs is $2,819,198 including $2,040,067 in CDBG, $593,675 in HOME, and $185,456 in ESG funds. This funding is anticipated to be available beginning October 1, 2016.

This Action Plan also includes $50,000 in reprogrammed prior years’ grant funds. These funds were made available when previously identified projects were cancelled or changed.

Proposed Activities – Fiscal Year 2016-2017 Action PlanA brief description of all proposed activities to be funded and implemented through the FY 2016-2017 Action Plan is provided below.

Programs Funded by Community Development Block Grant (CDBG) Funds

Projects Funded by Home Investment Partnerships Grant (HOME) Funds

Programs Funded by Emergency Solution Grant (ESG) Funds

Reprogrammed Funds

Request for Public Comment

A more detailed description of each of the above projects is contained in the full proposed Action Plan document. All interested parties are invited to comment on the 2016-2017 Action Plan. The full document will be

available for review during this public comment period at the City Hall Information Desk, South Irving Public Library, and City of Irving Planning and Community Development - Grants Department. Members of the public

may examine the full document, or make recommendations regarding the plan at the City of Irving Planning and Community Development Department, 825 W. Irving Blvd., Irving, Texas 75060 from June 13, 2016 to July

20, 2016 from 8:00 a.m. to 5:00 p.m. on weekdays. The document is also available for review at the City of Irving website: http://www.ci.irving.tx.us/housing-human-services/index.html. Comments will also be received via

E-mail at vebner@cityofirving.org . For specific questions regarding any of the above, please contact Vicki Ebner, Assistant Director, City of Irving Planning and Community Development Department, at (972) 721-4800.

AgencyMetrocare ServicesTAMU/Baylor School of DentistrySalvation Army Irving CorpsIrving Cares, Inc.Senior Citizens of Greater DallasIrving Family Advocacy CenterIrving Cares, Inc. City of Irving Planning and Community Development Department City of Irving Planning and Community Development Department

City of Irving Planning and Community Development Department

Funding $28,000$20,000$59,500$40,000$31,500$51,000$10,000

$240,000

$284,866 $284,866

$100,000 $442,643 $564,545

$1,107,188

$408,013 $408,013

$2,040,067

Project DescriptionCase Management Services for Chronically Homeless Individuals and Homeless FamiliesSealant Program for Children and SeniorsEmergency Financial AssistanceEmergency Assistance ProgramNursing Home Ombudsman for Irving Nursing Homes/Assisted Living FacilitiesCounseling Services/Behavioral InterventionEducation Services Total CDBG Public Service Projects

Housing Services Total Housing Services

Land Acquisition and Site DevelopmentSidewalk Repair and ADA ImprovementsRecreation Center and Park Improvements Total Public ImprovementsGeneral Administration of CDBG program; Including Salaries, Benefits, Furniture & Equipment,Training, Office Supplies, etc. Total Planning and Administration Total, All CDBG Activities

AgencyCHDO Reserves (Agencies Unknown At This Time)

City of Irving Planning and Community Development Department

Project DescriptionAffordable Housing Development Projects Total CHDO Reserve

General Administration of HOME Grant; Salaries, Benefits, Furniture & Equipment, Training, Office Supplies, etc. Total HOME Administration Total, All HOME Activities

Funding

$534,756$534,756

$59,417$59,417

$594,173

AgencyMetro Dallas Homeless Alliance

City of Irving Planning and Community Development Department

City of Irving Planning and Community Development Department

Agency Unknown at This Time

City of Irving Planning and C o m m u n i t y Development Department

Funding$3,000$3,000

$118,547$118,547

$20,000$20,000

$30,000$30,000

$13,909$13,909

$185,456

Project DescriptionHMIS Data Collection Total HMIS

Rapid Re-Housing of Homeless, Including Staffing Total Rapid Re-Housing

Homelessness Prevention Assistance for HouseholdsAt Risk of Homelessness, Including Staffing Total Homeless Prevention Activities

Shelter Operations and Maintenance Total Shelter Operations and Maintenance

General Administration of ESG Grant; Partial Salaries Benefits, Office Supplies, etc. Total ESG Administration Total, All ESG Activities

Funding/Source$50,000 CDBG

$50,000$50,000

Project DescriptionHome Restoration Program Total Reprogrammed CDBG Funds Total, All Reprogrammed Funds

AgencyCity of Irving Planning and Community Development Department

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nament, including several former members of the Dallas Cowboys, such as Roy Williams, Doug Donley, Ed “Too Tall” Jones, Preston Pear-son, and Mike Renfro.

“Things like this—having a big event with all these celebrities par-ticipating—these are things that re-ally get the attention of people in the community,” tournament co-chair David Pfaff said. “It helps build community awareness about the charities involved with this tourna-ment. We’re happy that we can rally around the kids and let other people learn about what we’re doing.

“The tournament and the party are a good way to let Irving residents enjoy themselves and have fun, but the most important part is to help the kids. We’re trying to make it big-ger, and we’d like to add more char-ities in the future. Kids are definitely the winners in this tournament,” he said.

CharityContinued from Page 1

of thinking either. Savannah Miller, a psychology student and 24-year-old millennial, would like to marry someday but is also in no hurry.

“Because of the deterioration state of marriages these days, I figure it’s better off to wait and make the one right choice later in the game rather than get divorced a bunch of times and have five ex-husbands, or be married my whole life to the wrong person,” Miller said.

It is hard to argue the merits of marrying young if it is to the wrong person. People go through so many changes throughout their lives—physically, mentally, and even spir-itually. Unless the relationship can evolve along with the people, mar-riage can end in failure.

“The important part is just find-ing someone who wants to spend our entire lives together: a life-long partner,” Miller said. “I like making that vow to God as well. But I think I’d be satisfied with a partner even if they didn’t want to get married.”

“As long as we are together, I don’t care if we get married or not,” 23-year-old millennial, Stevie How-ie said. “I don’t need a wedding or a marriage license to stay with the one I love.”

However, some people do.Social media thrives on wed-

ding pictures and engagement an-nouncements. How much different would Facebook be if people were just as open about their divorce up-dates and posted selfies every time they got in a fight with their spouse? #itsnotallsunshineandrainbows

That is not to say marriage is not wonderful and cannot be beautiful. There is nothing quite as uplifting as seeing two people in love, surround-ed by all of their friends and family members in one place at one time, vowing before all to be together for-ever.

In some cases, marriage practices are influenced by an individuals’ re-ligious or spiritual beliefs.

“I was raised in traditional Catho-lic Church settings,” said Blanca Ar-reguin, 24. “We believe in marriage, and once you choose to get married, that’s the one and only time.”

Blanca and her husband, Rafael, high school sweethearts, were mar-ried by age 22. The couple recently received their college degrees.

“Marriage should be with the per-son you want to create memories with and share your life with, and the person you want to build a fami-ly with,” she said.

While marriage was already part of the conversation, the Arreguins decided to expedite their plans.

“Originally, Rafael was going to get deployed, and we had already talked about marriage before,” Blan-ca said. “The fact that he was going to get deployed hurried up the wed-ding plans, because you never know what is going to happen during a de-ployment to a combat zone.”

The legal importance of marriage, especially in situations concerning service men and women, is im-mense. Being married entitles ser-vice members spouses’ to healthcare benefits, life insurance and other re-sources to cope with the months of separation including access to base services.

“If anything were to ever happen to him, he wanted to make sure I

See MILLENNIALS Page 5

MillennialsContinued from Page 1

Page 5June 11, 2016972-870-1992

(972) 870-1992 laurier@ramblernewspapers.netOBITUARIES

LEGALS

DEATH NOTICES

BellaHi. My name is Bella. I'm about 2 years old. I was brought in because my family separated, and I had no place to live. I'm a happy-go-lucky active girl. I love toys. I will fetch just about anything you throw. I will return, and then play a little tug-o-war. I also have a cuddly side, and love a good belly rub. I love meeting new people, and cannot wait to have a new family of

WolverineHey! Hey! It's me! I'm Wolver-ine. I'm about a year old. Like the comic namesake, I have an-imal-keen senses, but my claws

are nothing like the knives the other one has. I'm playful, ad-venturous, and curious, but I'm also willing to get love and hugs and get held in your arms. Look, kid. You and I are gonna be good friends.

my own. So to sum up - I'm affectionate, smart, friendly, energetic, and wait for it.....I know some commands. So come on down, and let's meet.

DALLAS DISTRICTNOTICE OF PUBLIC HEARING

Department Policies Affecting Bicycle Use on the State Highway SystemIn accordance with Title 43, Texas Administrative Code, § 25.55(b), the Texas Department of Transportation (TxDOT) – Dallas District is partnering with North Central Texas Council of Government (NCTCOG) to offer a pub-lic hearing on district transportation programs and policies affecting bicycle use on the state highway system. The public hearing will be held at the City of Richardson Civic Center, Grand Ballroom, 411 West Arapaho Road, Rich-ardson, Texas 75080 on Tuesday, June 21, 2016, from 5:00 pm to 7:00 pm.

The purpose of the public hearing is to provide information on the bicycle plans, policies, and programs for the TxDOT Dallas District and NCTCOG, and to receive public comment. Displays illustrating existing bike facilities and upcoming projects on the state system within the Dallas District will be available for viewing during an open house format beginning at 5:00 pm, with the formal presentation commencing at 6:00 pm.

All interested persons are invited to attend this public hearing to obtain in-formation about the district transportation programs and policies affecting bicycle use on the state highway system and to express their views. Persons requiring special communication or accommodation needs should contact the TxDOT Dallas District Public Information Officer at (214) 320-6100 at least two (2) working days prior to the public hearing. Because the public hearing will be conducted in English, any request for language interpreters or other special communication needs should also be made at least two (2) working days prior to the public hearing. Every reasonable effort to accommodate these needs will be made.

All interested persons are invited to attend this public hearing. Verbal and written comments from the public regarding the district transportation pro-grams and policies affecting bicycle use on the state highway system are en-couraged and may be presented for a period of 10 calendar days following the hearing. Written comments may be submitted either in person or by mail to the TxDOT Dallas District - Advance Project Development, 4777 East Highway 80, Mesquite, Texas 75150-6643, Attn: Sandra J. Williams. All written comments must be postmarked on or before Friday, July 1, 2016 to be included in the official public hearing record.

For additional information, please contact Ms. Sandra Williams, TxDOT Dallas District, via phone at (214) 320-6686, or e-mail Sandra.Williams2@txdot.gov.

EDWARD JABEN

Edward Jaben, 89, died June 3, at his home in Irving, Texas. A native of Kansas City, he was a Navy lieu-

tenant during World War II, serving in Italy. He had a long career in the re-tail business and was one of the pioneers of dis-

MillennialsContinued from Page 4

CLASSIFIEDS

was taken care of, and he would know that I would be the person to enact his last wishes, as the person who knows him the best,” she said.

In civilian life, being legally mar-ried to your significant other entitles a spouse to legal rights including: the right to ride in an ambulance with your spouse, the right to make life and death decisions regarding his or her health if they cannot do so, the right to determine whether his or her body is donated for medical or scientific purposes, etc. No other relative can supersede a spouse in these decisions or in an emergency situation.

Another major factor holding millennials back is cost. Marriage ceremonies can be expensive, and many millennials are not exactly packing wealth, which may be one reason people are waiting until they are older and their finances are bet-ter. They not only want to be able to support themselves and their grow-ing family, but they also want to be able to afford a decent caterer.

“Do I want to get married? Of course! It’s just going to be a while,” 24-year-old Greyson Martin said. “Marriage is a huge decision, and I don’t want to be a Kardashian, for lack of a better decision, and just simply throw it away multiple times.”

Unlike the Kardashians, not ev-eryone has tons of money to spend on extravagant weddings, let alone divorces. Even if they do, some mil-lennials with excess wealth would rather spend their earnings on other things.

“I wouldn’t mind putting money for a wedding toward a new house,” 24-year-old sales student Taylor

Wiltsie said. It does seem silly to spend thousands of dollars on one day rather than a lifetime invest-ment like a home. Although, Wiltsie plans on being wealthy enough to afford both.

“I plan on being capable of paying for my own wedding. Marriage is just a piece of paper to some people, but to me it’s more. It’s a part of life,” Wiltsie said.

Arrangements byBrown’s Memorial Funeral Home

972-254-4242

Mickey Cates Abbott Mar. 2, 1928 - May 27, 2016

William (Bill) Tolbert Jones04/13/1932 – 06/03/2016

Thelma L. Coleman7/5/1912 – 6/1/2016

count stores. He retired as executive vice president of Zale Corporation. One of the best "people per-son's", Ed was widely respected and loved by his family, friends, employees and customers. He leaves behind his wife of nearly 53 years, Rae, sev-en children, six grandchildren and six great-grandchildren, and two brothers. In lieu of flowers, please donate to your favorite charity in Ed's name.

The Great Flag Caper organization sponsors a patriotism contest for Irving school students. The honoress include: Nataly Pena, Logan Robinson, Jessica Aguilar, Andrew Castillo, and Chandani Reitmeyer (front row L-R). There to present the students with goodies were Great Flag Caper Board members Nell Anne Hunt,Beca DeLoach, Clyde DeLoach and Sally Grantvedt. The Great Flag Caper has over 300 volunteers who paint Our Town red,white and blue on the Fourth of July by placing over 40,000 American flags on Irving streets. SOURCE Great Flag Caper

Great Flag Caper recognizes young patriots in Irving schools

Superintendent Jose L. Par-ra, Ed.D. recently announced that Blanca De La Sierra will lead Keyes Elementary School as its new princi-pal. De La Sierra currently serves as assistant principal at Brandenburg Elementary School. She will begin transitioning to her new role imme-diately.

“I am honored to serve the stu-dents, staff and community at Keyes Elementary,” De La Sierra said. “I look forward to working with the students and staff to ensure they excel in all academic areas. Rest as-sured that I am dedicated to achiev-ing these goals and look forward to building long and lasting relation-

Blanca De La Sierra appointed principal of Keyes Elementary

ships with my new friends and fam-ily at Keyes Elementary.”

De La Sierra began her career in Irving ISD in 2008 as a 5th grade dual language teacher and reading interventionist at Farine Elementa-ry School. She also served as an aca-demic specialist for two years before joining Brandenburg Elementary School as an assistant principal. As assistant principal, De La Sierra served as the language arts campus coordinator and was instrumen-tal in increasing 5th grade reading scores on the state assessment by 10 percentage points.

“Mrs. De La Sierra is a dedicated educator whose focus on student

achievement has resulted in high levels of success for students and staff,” said Associate Superinten-dent of Academic Services Adam Grinage, Ed.D. “The administration is confident that Mrs. De La Sierra will effectively lead Keyes Elemen-tary School with consistency in thought and action.”

De La Sierra received her master’s degree in bilingual education and Bachelor of Arts in social science from Southern Methodist Universi-ty. She holds principal, early child-hood, bilingual supplemental and Spanish oral language proficiency test certifications.

SOURCE Irving ISD

RESTON, Va. -- This summer, the National Honor Society (NHS) and the National Junior Honor Society (NJHS) are calling on high school and middle school students to “Honor Your Future Now” by taking time to prepare for college, career, and a lifetime of success over the break. NHS and NJHS tools, tips, and resources can help students

Make the most of your summer for future success

build upon skills and experience to get them to and through college and on to future success.

“Traditionally, summer means setting aside thoughts of school for a couple months, but it is the perfect time for students to be productive and participate in activities that cultivate leadership, character, a focus on service, and other valuable

types of experience,” said Dr. Jona-than Mathis, director of the Nation-al Honor Societies. “The National Honor Societies believe that every student should have the opportunity to succeed and perform at his or her very best. Our resources can help students at all levels navigate their way through college preparation

See SUCCESS Page 7

Page 6 June 11, 2016 www.RamblerNewspapers.com

FUN & GAMES

Organizations are required to re-submit their infor-mation on a monthly basis to insure that the Irving Rambler will have accurate information. Listings are limited to the Organization’s name, meeting location and time. If an organization wishes to have more in-formation than the free listing offers, we will continue to offer other advertising opportunities.

(c) 2015 King Features Synd., Inc.

(c) 2015 King Features Synd., Inc.

American Legion Post #218Heritage Park Building

215 Main St. Downtown Irving3rd Thursday of each month.

Recruiting/Questions call 469-621-7878Buttons & Bows Square

& Round Dance Club 1st & 3rd Saturdays at 8:00 pm

Senter Park East 228 ChamberlainCircle I - Square

& Round Dance Club2nd & 4th Fridays at 8pm

Senter Park East 228 ChamberlainDFW Scroller Saw Club

Last Saturday of each month9:30 AM to 11:30 AM

Georgia Farrow Rec Center 530 Davis St.www.dfwscrollers.net / 214-995-9270

Evening Lions Club1st & 3rd Tuesdays at 7:00pm

Community Bible Church2301 Texas Drive

Greater Irving RepublicansMeets the first Tues. each month@ Spring Creek BBQ at 7 p.m.

Irving Amateur Radio Club Fourth Thursday of the month

7:30 to 9 PMSenter Park East 228 Chamberlain

www.irvingarc.orgIrving AMBUCS

Thursdays @ 11:30 a.m.at Spring Creek BBQ

Irving Garden & Arts2nd Thursday, 10am

Irving Garden & Arts Building906 S. Senter 214.435.9876

Irving Masonic Lodge #1218Second Tuesday each month @ 7:30 P.M.

132 E. Second St. Irving, TX 75017irving1218@verizon.net / 972-253-5600

Irving Noonday LionsPH 972-409-9940

Every Wed. @ NoonGolden Corral, 1701 N. Belt Line Rd.

Irving Republican Women’s Club

Monday, May 9th, 6:30 pm Texas Center for Proton Therapy

1501 W Royal LaneIrving Retired School

Personnel AssociationFirst Christian Church 104 W. Grauwyler Rd.

Second Thursday every monthIrving Rotary Club

Thursdays at 12 pmLas Colinas Country Club

ndugger@irvingisd.netIrving Sunrise Rotary

Thursday at 7 amLas Colinas Country Club

4400 N. O”Connor RdIrving Texas Democratic

WomenMeet the first Tues. each month

7 p.m. To 8:30 p.m.East Buffet Rest.

Irving Women’s NetworkLas Colinas Country Club

Fourth Tuesday of every month11:30 a.m.- 1 p.m.

Metroplex Glass ClubEvery 2nd TuesdayAt Oak Haven UMC

1600 N. Irving HeightsSaturday Singles

Lunch Bunch 1st & 3rd Saturdays

469-348-5023Sticks and Strings

Community Knitting GroupFirst and third Tuesdays

2:00-4:00 pmS. Irving Library, 2nd floor boardroom Beginners and Crocheters welcome

www.sticksandstrings.org TOPS TX #58, Irving

Thursday at 9:30 a.m.Chateau on Wildbriar Lake

1515 Hard Rock RoadVFW Post 2494 IRVING

Post Meeting – 1st Thursday at 7pmLadies’ Auxiliary -1st & 3rd Wed at 7pm

Men’s Auxiliary – 4th Wed at 7pmJunior Girls – 2nd Sun at 12:30pm

3375 Belt Line RdWidowed Persons Service

Every Saturday @ 8:30 a.m.at Wonderful World of Cooking

Karen – 972-986-4056

CLUBS

*It was beloved English author and humorist P.G. Wodehouse, probably best known for his tales of Wooster and Jeeves, who made the following observation: "Judges, as a class, display, in the matter of arranging [divorce settlements] that reck-less generosity which is found only in men who are giving away someone else's mon-ey."

* Brides in ancient Rome carried sheaves

of wheat, not bouquets of flowers. * Andrew Jackson, the seventh president

of the United States, had a pet parrot with a questionable vocabulary. In fact, Poll (the

pet in question) was so foul-mouthed (-beaked?) that it disrupted Jackson's funeral. According to Rev. William Menefee Norment, who presided at the service, "Before the sermon and while the crowd was gathering, a wicked parrot that was a household pet got excited and commenced swearing so loud and long as to dis-turb the people and had to be carried from the house."

* The reasons why aren't clearly understood, but it seems that people with high blood pressure rarely get cancer.

* Glass-bottom beer tankards were invented during medieval

times. Evidently, some taverns were so rough that patrons felt the need to be able to see the other drinkers even when turning the mug bottoms-up.

* Those who study such things say that when you're sleeping, a

quarter of all your blood is in your liver. * It's pretty common knowledge that it's the male seahorse, not

the female, that gives birth to the young. Not many people realize, though, that a male seahorse can deliver a brood of a thousand or more babies in the morning, and then be pregnant again that night.

1. GEOGRAPHY: What is the easternmost state capital in the United States?

2. MUSIC: What country was the group ABBA from?3. MOVIES: In what movie was the character of John McClane

introduced?4. LITERATURE: The line "Fools rush in where angels fear to tread"

was written by which poet?5. FOOD & DRINK: Where did the potato originate?6. SCIENCE: Sunlight exposure on bare skin can help to form

which vitamin?7. GENERAL KNOWLEDGE: How many minutes are in one degree

of longitude or latitude?8. ADVERTISEMENTS: What product's advertising campaign

declared that its consumption was "The Right Thing To Do"?9. SPORTS: How many periods are in a National Hockey League

game?

Answers1. Augusta, Maine

2. Sweden3. "Die Hard"4. Alexander Pope5. South America6. Vitamin D7. 608. Quaker Oats9. Three

Page 7June 11, 2016972-870-1992

See SUCCESS Page 8

WORSHIPUNITY CHURCHUnity of Irving

Sunday Morning Services:9:30 AM Adult Class

11:00 AM Service& Children’s Church

Reverend Frank Poundersand Reverend Margaret Pounders

210 Virginia St., Irving, Texas 75061972-253-5083

unitychurchofirving.com

First United Methodist Church 211 W. Third, 75060

972-253-3531 www.fumcirving.orgSunday School 9:15 a.m.

Sunday Worship 10:30 a.m.in the Sanctuary

6:30 p.m. in the ChapelSecond and fourth SundaysSign up online now for FREE

Vacation Bible School June 13-17!

Oak HavenUnited Methodist Church

1600 N. Irving Heights 75061972.438.1431

www.oakhavenumc.orgSunday School 9:45 a.m.

Sunday Worship 10:45 a.mMinisterio Hispano NISSIEstudio Biblico 1:00 p.m.

Servicio Adoracion 2:00 p.m.

UNITED METHODISTCHRISTIAN SCIENCE

First Church of Christ, Scientist2250 W Pioneer Dr., Irving, 75061

972-253-7202www.ChristianScienceIrving.comSunday & Sunday School 10 am

Wednesday 7:30 pmReading Room Mon-Sat 10am-1pmDial in to services: 1-857-232-0476

access code 884879For inspiring programs 24/7 call:214-His-Work (214-447-9675)

CHURCH OF CHRIST

Belt Line RoadChurch of Christ

1202 N. Belt Line Rd., Irving, TX 750611st Century Christianity in the 21st Century

Sunday Bible Classes 9 a.m.Sunday Worship 10 a.m. and 6 p.m.

Wednesday Worship 7:00 p.m.972-790-8606

www.BeltLineChurch.com

During the spring semester, the Homeland Security students at Sin-gley Academy receive training for First Aid and CPR in order to be able to respond to a variety of medical emergencies including shock, chok-ing and heart attacks.

In May, one of the Homeland Se-curity students had the unfortunate opportunity to use the training she received in class. Angelique Francis was having lunch with her father. As they were eating, her father sud-denly started coughing and tried to drink to clear some food that had gotten caught in his throat.

Angelique said she saw his eyes water and his face began changing colors. Angelique recognized from her training in class that her father was choking and immediately ap-plied the Heimlich maneuver to her dad. She was able to clear the ob-struction from his throat so he could breathe easily once more. Angelique was very grateful for the training in class which allowed her to help her father.

SOURCE Irving ISD

Student saves dad’s life

Following her heroic act, Angelique Francis expresses her gratitude for training provided by Ronny Potts, her Homeland Security instructor. / Courtesy Photo

meet quality measures developed to reduce the time between the pa-tient’s arrival at the hospital and treatment with the clot-buster tis-sue plasminogen activator, or tPA, the only drug approved by the U.S. Food and Drug Administration to treat ischemic stroke. If given in-travenously in the first three hours after the start of stroke symptoms, tPA has been shown to significantly reduce the effects of stroke and less-en the chance of permanent disabil-ity. Baylor Scott & White – Grape-

BaylorContinued from Page 2

vine earned the award by meeting specific quality achievement mea-sures for the diagnosis and treat-ment of stroke patients at a set level for a designated period.

These quality measures are de-signed to help hospital teams follow the most up-to-date, evidence-based guidelines with the goal of speeding recovery and reducing death and disability for stroke patients.

Baylor Scott & White – Irving is also a designated Primary Stroke Center by The Joint Commission, which recognizes centers that make exceptional efforts to foster better outcomes for stroke care.

“The American Heart Associa-tion and American Stroke Asso-ciation recognize Baylor Scott & White Medical Center -- Irving for its commitment to stroke care,” said Paul Heidenreich, M.D., M.S., na-tional chairman of the Get With The Guidelines Steering Committee and Professor of Medicine at Stanford University. “Research has shown there are benefits to patients who are treated at hospitals that have ad-opted the Get With The Guidelines program.”

According to the American Heart Association/American Stroke Asso-ciation, stroke is the No. 5 cause of death and a leading cause of adult disability in the United States. On average, someone in the U.S. suffers a stroke every 40 seconds, someone dies of a stroke every four minutes, and nearly 800,000 people suffer a new or recurrent stroke each year.

SOURCE Baylor Scott & White Health

and on to the right path to future success."

While the grades on a transcript are an important part of a college application, they are not the only thing that college admission offi-cers consider. According to research commissioned by the National Hon-or Societies, 59 percent of admis-sions officers look for participation in community service opportunities to evaluate a student’s character, and 30 percent of admissions offi-cers say the most impressive extra-curricular activity is volunteering in the local community. Summer frequently offers extra free time to build the skills and experience need-ed for a well-rounded background.

There are many ways students can use the summer break produc-tively, including researching col-leges that match their needs and interests. To aid in the process, the

National Honor Societies created a visual guide about discovering “The Right College Fit” to assist students during college searches.

To help students this summer continue to “Honor Your Future Now,” the National Honor Societies are offering the following tips to pre-pare for college and the future:

Get to Know a School: Visiting college campuses can help students figure out what type of college is the right fit for them. This will help determine what attributes are most important to them, and decide which colleges to apply to.

Research Institutional Ele-ments and Academic Characteris-tics: There are many elements and characteristics that students should spend time researching before ap-plying to colleges. School traits such as public versus private; small, me-

SuccessContinued from Page 5

Page 8 June 11, 2016 www.RamblerNewspapers.com

A dozen Irving ISD students were recognized for their outstanding submissions to the CTE MIRD Fair held last month at Singley Academy.

Wiiners at the MIRD Fair, Daniel Arriagada and Michael Friend receive their an Xbox Ones from Crockett Middle School principal Francisco Miranda, MIRD instructor Matthew Walker and Jason Cooper, Irving ISD career and technical education coordinator. / Courtesy Photo

MIRD Fair winners recognizedFor MIRD Fair, middle school

and high school students create and submit video games to be rat-ed by other students based on a set

of guidelines and criteria. The first-place winners in each division won an Xbox One while the second-place winners won a Samsung tablet. The winners were as follows:

Middle School First Place Individual: Nancy

Jamenez, Crockett Middle SchoolFirst Place Team: Daniel Arriag-

ada and Michael Friend, Crockett Middle School

Second Place Individual: Marquel Vincent, de Zavala Middle School

Second Place Team: Jose Medina and John Nguyen, Austin Middle School

High School First Place Individual: Anthony

Saldana, Singley Academy First Place Team: Edwin Joy and

Sarah Edwards, Singley Academy Second Place Individual: Thomas

Spikes, Singley Academy Second Place Team: Taylor Leon

and Jarrod Johnson, Singley Acad-emy.

SOURCE Irving ISD

ATLANTA -- LexisNexis® Risk Solutions recently released a com-prehensive card issuer fraud study, Issuers Confront Application Fraud and Account Takeover in a Post-EMV U.S., that assigns a dollar val-ue to direct losses from card fraud. It also details current modes of fraud and the effects these have on cred-it, debit, and prepaid card issuers’ ability to mitigate card fraud. The study reports that issuers experi-ence $10.9 billion in direct annual losses to card fraud overall. Howev-er, this value is a moving target—the opportunities for fraud become ever more abundant as new services and

products, including mobile wallets and digital channels make the pay-ment card ecosystem ever more complex. Finally, the study also looks at ways to manage different types of fraud and account takeovers in today’s dynamic post U.S. EMV rollout environment.

Card fraud is a multibillion-dol-lar challenge: losses are topped by credit cards, which account for 71 percent ($7.6 billion, or $9 per card) of all card fraud, about three times more than fraud from debit cards. Debit accounts for 25 percent of fraud ($2.7 billion, or $2.80 per card), while, with a lower relative number of cards in the market, pre-paid cards contribute to only $0.5 billion in fraud losses, though the rate per card was in the middle of

Card fraud costing issuers $10.9 billion annuallythe loss-per-card range at $4.70.

“EMV chip technology represents the strongest anti-fraud protection at the POS terminal. However, as this new model continues to roll out over the next twelve months in the U.S., issuers expect certain fraud types to increase,” said Kim Little Sutherland, Senior Director of Iden-tity Management at LexisNexis Risk Solutions and study co-author. “No-tably, with the window closing on easily replicable magstripe cards, we forecast a shift and bump in identi-ty schemes —characterized by the use of synthetic identities and the misuse of true identities.” Card-not-

present (CNP) fraud is another sig-nificant problem in the U.S., and is expected to increase with or without EMV adoption.

The study detailed two of the most pernicious types of card fraud, application fraud and account take-over, each of which represents 20 percent of total fraud losses, accord-ing to study findings. Fueled by data breaches, counterfeit card fraud is responsible for 16 percent of total losses. The misuse of payment cards that are lost or stolen (28 percent of total fraud losses) and nonreceipt fraud (15 percent of total fraud loss-es) represent the two schemes still likely to challenges issuers’ ability to discern between fraud committed by the cardholder and a fraudster.

The study concludes by looking

at ways companies can fight back, both by mitigating fraud and by ver-ifying or authenticating the identity of cardholders. Notes Little Suther-land: “Companies can prepare for the fraud impact of EMV adoption especially by bolstering their appli-cation fraud and account takeover prevention capabilities, enhancing their identity verification platforms, and keeping open lines of commu-nication with affiliates who may have shared fraud threats. Some organizations have made appropri-ate investments and have advanced programs that work, while others are looking for best practices. It only

takes one major loss to feel the im-pact of a weak, simplistic, ineffective approach.”

Card Fraud Study MethodologyIn June 2015, LexisNexis con-

ducted an online survey of 100 risk and fraud decision-makers and influencers working at U.S. card issuers to better understand fraud encountered by card issuers. Javelin conducted the research. The panel included issuers of all sizes in deb-it, credit, and prepaid card markets. The overall margin of sampling er-ror is ±9.75 percentage points at the 95 percent confidence level; the margin of error is larger for subset respondents. Overall fraud loss data were weighted for number of cards issued of each type (credit, debit/prepaid), according to the industry

distribution as recorded in the Nil-son Report. Executive qualitative interviews also were conducted with

financial institutions to obtain their perspectives on card fraud.

SOURCE LexisNexis Risk Solutions

dium or large in size; city versus country setting, etc., can all make a difference in a college experience. Looking into available majors, re-search opportunities and academic opportunities is also vital and will help students identify which schools are strong in the programs they de-sire.

Think About the Financial As-

pect: The financial aspect can be one of the most daunting parts of the college experience for students and parents, but the right resources and information can help alleviate many of these concerns. Every college/university is required by the federal government to provide a “net price calculator” on its website to help prospective students and parents

figure out how much they will really pay for the school, factoring in any aid and awards. It’s also never too early to begin thinking about and researching scholarships and oth-er ways to reduce costs, like taking Advanced Placement (AP) and dual enrollment coursework. SOURCE National Association of Secondary

School Principals (NASSP)

SuccessContinued from Page 7