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Jessica Gabor Provided Her Top 3 Tips For First Time Home Buyers

Women's Journal Staff on January 3, 2024

By: Caleb Hellinger

Clackamas County Real Estate Broker Jessica Gabor says, “One of the most thrilling yet complex endeavors one can experience in life is purchasing a home, especially for the first time.” This becomes even more exciting when strategizing the process in a dynamic locality such as Clackamas County. Jessica Gabor, a licensed real estate broker in Oregon, shares her wisdom-gleaned insights with first-time buyers to ease this crucial, life-changing transition. She offers three practical steps to ensure the journey is less daunting and more fruitful, a mantra well-demonstrated in her quote, “don’t just buy a house; invest in your home.”

First and foremost, Jessica emphasizes the importance of a good credit score, ideally at least 620, when considering a conventional loan. A credit score, in essence, is a numerical representation of your creditworthiness, including how promptly you manage credit card bills, student or car loans, among others. A higher score can lead to more attractive interest rates, lower down payments, and lowered PMIs, significantly impacting your long-term home ownership expenses.

If your credit score is below this fundamental threshold, don’t despair. There are ways to pump it up. These can include disputing any errors in your credit report, keeping your credit utilization below 30%, and making timely payments. In the picturesque Clackamas County, where homes are in high demand, a robust credit score is essential for emerging successfully in a competitive market.

Next in line, according to Jessica, is the need to get preapproved for a loan before starting your home hunt. The preapproval process, albeit tedious at times, is your safety net in the financial landscape of buying a home. It gives you a realistic idea of how much you can borrow, the interest rates applicable, your potential monthly payments, the closing costs, and your down payment. Knowing these nuggets of information equips you to budget and plan accordingly and can go a long way in sidestepping future financial hiccups.

In the lush environment of Clackamas County, where property values might vary, having a preapproval letter in your hands might also give you an edge in negotiating deals with sellers. It’s a sign that you are serious about buying a home and financially eligible to fulfill the commitment.

Lastly, Jessica accentuates the critical role of a trusted real estate agent in your first home buying journey. The journey from your dream property description to holding your new home’s keys is far from linear. It requires adept negotiation skills, deep familiarity with local market trends, and a deft hand at paperwork and legalities. A dependable real estate agent does just that and more. They represent you during the negotiation process, sift through properties that align with your specifications, and ensure you understand every piece of paperwork you sign.

Choosing the right home, especially in a charming area like Clackamas County, is a steep hill to climb. A trusted real estate agent can help you scale this humanely, channeling your visions of a dream home into the tangible reality of a house in Oregon.

Jessica Gabor, with her extensive experience in Oregon’s ever-evolving real estate market, especially in Clackamas County, underscores these three crucial steps as the cornerstone for the first-time home buyer’s journey. Reflecting her belief that buying your first home is more than a transaction, it’s an investment that should be strategically planned and executed for long-term benefits. After all, it isn’t just about owning a house, but creating a home where your life unfolds in small, beautiful moments.

As you embark on your journey of becoming a homeowner, remember that the path is filled with potential pitfalls, but with the right guide, you’ll be armed to make prosperous decisions on your journey. Take the time to follow these steps, and the dream of owning your home in Clackamas County won’t be deferred. Connect with Jessica Gabor on LinkedIn for more of her expert insights into Oregon and Clackamas County’s real estate scenarios.

You can reach Jessica Gabor via LinkedIn for more guidance and support in making sound real estate decisions.

An Extraordinary Vision : Canadian Artist Christine Lowe

Women's Journal Staff on January 3, 2024

Christine Lowe’s inspiring story reverberates as loudly as do her vibrant, visually arresting creations.  She’s an internationally well regarded activist, an author and, of course, an artist with an increasing global reputation.  

Her striking, unique visual art is drawing positive attention in the art world- and her story really is an inspiration to all women.  Christine’s strong message is – no matter what your challenges, you can not only accomplish your dreams – but you can also help the world to see through your eyes.  

Lowe’s captivating story spans from her younger years marked with spontaneous epileptic seizures, through her federal activism in Canada to her flourishing art career.  It truly does exemplify the triumph of resilient spirit and creative passion over daunting medical odds.

Her personal story, the courageously life-affirming quality of her artwork and her recent move to idyllic Cape Breton, Canada are like intricately woven threads that perpetually frame the dialogue about her life and work.

After moving from Ottawa with her dedicated husband and caregiver, Russell Barth, Lowe is ardently shaping an enticing new life in Cape Breton.  If you chance upon a woman there, dressed in her signature hues of purple and green, perhaps working on her art under the expansive Nova Scotia skies or tending to her impending farm operation, you are witnessing Lowe in her element. 

Her work is increasingly well known – but if you ask Christine what she will do with the trappings of future success, her passion for social justice shines through.

“ I can’t really travel and don’t really desire things like homes and clothes and jewels and fancy furniture and whatnot,” she says with a smile. “So… if I got wealthy… like more money than I need to live… it would likely be spent on a combination of food production, animal sanctuaries, and art grants for other disabled artists.” 

And when it comes to her art?

“I want the whole world to see these paintings,”  she says with passion.  

Christine said she has been inspired, artistically, “by illustration and animation more than I have fine art.”

And what does she paint? 

“This aesthetic can be applied to pretty much any subject matter. If I stuck to just reptiles or flowers or food, I think it would get stale. The variety of subject matter is as much a part of the work as the materials I use. I guess this is a holdover from my graphic design training. Illustrators and graphic designers often have to come up with new ideas for completely new products, week after week. I would get bored doing just reptiles or flowers or toys all the time.” 

  “Eclectic” is my oeuvre,”  says the artist.

Visit her page at http://www.christinelowe.ca

or follow her on socials:

http://www.tiktok.com/@christineloweart 

https://www.facebook.com/christine.lowe.921 

https://www.instagram.com/christineloweart/ 

Introduction To The Next Generation of Legal Excellence

Women's Journal Staff on January 3, 2024

By: The Brand Development Group

Chelsea Lewis, Esq., embodies the spirit of modern legal excellence. As the founder and managing partner at Lewis Law PLLC, she has not only carved a distinctive path in the competitive terrain of civil rights and employment law but has also claimed her rightful place among the legal luminaries with her recent induction into The National Black Lawyers Top 40 Under 40 in Florida. This is a recognition reserved for those who have demonstrated exemplary leadership, reputation, influence, and performance in their area of legal practice.

Her ascent within the legal ranks is further solidified by her remarkable achievement in securing two of the United States’ Top 100 Employment Law Verdicts in 2022, a monumental feat for any attorney. One of the cases, Thomas v. Medivance Billing Service Inc. et al., not only underscored her legal prowess with a verdict exceeding $1 million but also affirmed her membership in the prestigious Best of the Bar™. Such accolades are not mere titles but a reflection of the trust her clients place in her and the fearlessness with which she approaches each case.

At the core of Chelsea’s practice is a commitment to justice and an unwavering dedication to her clients. Her approach is characterized by a blend of compassion and tenacity, ensuring that each client feels heard and represented with the highest standard of legal advocacy. Her achievements are not just personal milestones but also beacons of inspiration for attorneys everywhere, especially women and minorities striving to make their mark in the legal field.

With her eyes set on the future, Chelsea Lewis continues to push the boundaries of what is possible in law, proving that with determination and skill, new roads can be forged in the pursuit of justice and equality. As she rises, so does her impact, leaving an indelible mark on the legal landscape and on the lives of those she champions.

Alexander N: 5 Ways Fashion Elevates Cinematic Storytelling

Women's Journal Staff on January 3, 2024

Observing Alexander N‘s approach over the past year, which skillfully combines a refined sense of style with narrative expertise, has solidified his position as a notable figure in fashion and film collaborations. This observation has made it clear that his visionary approach subtly yet significantly influences the cinematic experience. This article delves into key aspects where fashion significantly impacts film, enhancing storytelling and leaving a memorable mark on audiences.

Fashion-Film: A New Approach to Collaboration

Alexander N’s ‘Romea&Juliet’ exemplifies a transformative approach to filmmaking, where fashion is as integral to the narrative as the script itself. Set against the rich backdrop of New York City, this contemporary romance/drama intertwines the disparate worlds of a classical ballerina and a Harlem rapper, using fashion as a lens to explore their contrasting lives. 

This film is a canvas showcasing the eclectic fashion landscape of New York. N Films team’s innovative vision brings together emerging local fashion designers with established figures, creating a mix of styles that range from the refined elegance of haute couture to the bold statements of streetwear. This collaborative effort promises to infuse ‘Romea&Juliet’ with an authenticity and vibrancy that resonates with the city’s spirit.

The character of Romea, adorned in sophisticated ballet attire, contrasts sharply with Juliet’s dynamic street style, visually representing their distinct backgrounds. Alexander N uses these fashion elements to embellish his characters and deepen the audience’s understanding of their stories.

Mutual Promo

The relationship between fashion and film is symbiotic. Fashion designers not only dress the characters but also use the film as a platform to showcase their special collections. This mutual promotion benefits both industries, as the film gains publicity and the designers reach a wider audience.

Alexander N

Photo Credit: Anastasiia Ostrikova

Take, for example, the collaboration between costume designer Jacqueline Durran and director Joe Wright in the film ‘Anna Karenina.’ Durran’s exquisite period costumes not only added authenticity to the film but also received critical acclaim, earning her an Academy Award for Best Costume Design. The success of the costumes in the movie further boosted Durran’s reputation as a talented designer.

Fashion collaborations between designers and filmmakers can create iconic and memorable looks synonymous with a particular film. Think of Audrey Hepburn’s little black dress in ‘Breakfast at Tiffany’s’ or Marilyn Monroe’s white dress billowing over a subway grate in ‘The Seven Year Itch.’ These fashion moments have become iconic and are forever linked to the films they appear in.

5 Ways Fashion Enhances the Cinematic Experience

  • Character Development: Fashion helps to establish a character’s personality, background, and motivations. Through their clothing choices, we can instantly understand if a character is confident, rebellious, or sophisticated. For example, in the film ‘The Devil Wears Prada,’ the protagonist’s transformation from frumpy to fashionable reflects her growth and self-confidence.
  • Time and Place: Fashion helps to establish a film’s time period and setting. By carefully selecting clothing and accessories that are representative of a specific era, filmmakers can transport audiences to a different time and place. For example, in the film ‘The Great Gatsby,’ the elaborate flapper dresses and dapper suits instantly transport viewers to the roaring 1920s.
  • Mood and Atmosphere: The right wardrobe choices can set the tone for a scene or film. Dark, somber clothing can create a sense of mystery and suspense, while bright, colorful outfits can evoke joy and happiness. In the movie ‘The Hunger Games,’ the extravagant costumes of the Capitol residents contrast with the drab attire of the oppressed districts, emphasizing the stark divide between the two.
  • Symbolism: Fashion can be used to create visual symbolism and enhance the narrative. Certain clothing choices can represent themes or motifs within a film. For example, in the movie ‘Black Swan,’ the protagonist’s transformation from a white tutu to a black feathered costume symbolizes her descent into madness and obsession.
  • Visual Storytelling: Fashion can communicate information without the need for dialogue. A character’s clothing can reveal occupation, social status, or secrets.

Image Internally Provided

These are just a few examples of how fashion elevates cinematic storytelling. From character development to visual storytelling, fashion adds a layer of richness to the films we love. It is a powerful tool filmmakers can use to captivate audiences and enhance the cinematic experience. Through the collaboration between fashion designers and filmmakers, the visual impact of films is enhanced, creating a more immersive and captivating experience for the audience.

The F Him Co: Assisting Women to Heal from Narcissism Through Reflective Journals

Women's Journal Staff on January 3, 2024

By: Commander Publicity

In the labyrinth of life, all too often, we witness women entrapped in toxic relationships, grappling with the subsequent psychological trauma long after the relationship has ended. To bring a wave of change to this societal narrative, Kiara “Kiara Lasha” Bennett, CEO of The F Him Co, ingeniously employs the power of journaling to assist and empower women recovering from narcissistic abuse.

A resolute survivor herself, Kiara Bennett published the company’s hero product, The F Him Journal, in November of 2022. Within a short span of time, the company sold over 10,000 copies of the journal and became a 6X viral sensation on TikTok. This journal, however, is much more than just pages bound together – it’s Kiara’s manifesto extrapolating her journey from struggle to triumph.

The F Him Journal reveals a diligent methodology devised to enable women to learn, leave, let go, and level up from the aftermath of narcissistic abuse. It’s an intimate companion that allows for self-reflection and self-discovery. It’s a tangible tool that comforts and supports women while also challenging them to face their truths, unmask their fears, and reclaim their power.

June was a stormy chapter in Kiara’s life, with the loss of her sister, job, home and car. The despair of this crucible almost led her to the brink of surrender. But using the same fortitude that she now imbues the F Him journal with, she persisted and emerged stronger. Just weeks after her lowest point, she had traversed the abyss of despair to generate six figures in only 21 days. This monumental feat bespoke her unwavering determination as she found solace and strength in her purpose to uplift and empower women.

The ethos of The F Him Co is beautifully encapsulated in the transformative quote by Lalah Delia: “She remembered who she was, then the game changed.” These poignant words resonate deeply with the mission of The F Him Co – to enable women to realize their innate strength and potential, facilitating their healing journey from the ashes of narcissistic abuse to a glowing phoenix of transformation.

It’s essential to clarify that the spirit of The F Him Co and by extension, The F Him Journal, isn’t anchored in anger towards the narcissist. On the contrary, it is founded on the empowering proclamation: Forget him if he’s not healthy for you, move on, and soar FORWARD.

The company’s ultimate goal is to authenticate women’s pain and encourage them to find peace while moving forward. The F Him Co serves as a beacon of hope for women suffering from narcissistic abuse by reassuring them that healing is a possibility and healthier lives are within their grasp. It conveys the message that the end of a romantic relationship fraught with narcissism marks the inception of a journey toward self-love and independence.

In a world that often trivializes mental health, Kiara Bennett’s initiative recognizes the debilitating effects that narcissism can have on the mental well-being of women. It offers a robust solution to nurture a pathway to recovery. While The F Him Journal initiates the healing process, it also creates an environment where women feel empowered to face the obstacles of tomorrow with newfound courage.

Through The F Him Co, women can find a community that can support them in their journey. Accordingly, women can connect via social media handles on Instagram and TikTok, find resources on their website (www.thefhimco.com) and interact with fellow survivors on their Facebook page- The F Him Co.

Kiara Bennett’s entrepreneurial spirit and personal journey have fostered a unique healing pathway for women who have endured narcissist abuse. By summoning the healing power of pen and paper and coupling it with her unflinching resolve, Bennett has transformed her own survival story into a lifeline for others. Her unwavering desire to empower women doesn’t just set the stage for women healing from narcissist abuse, it also charters unexplored territories of recovery and resilience. Her company, The F Him Co, succinctly reflects that the act of remembering oneself can indeed change the game.