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Karen Petzel found out she had breast cancer in August, and is now currently undergoing chemotherapy treatment. The mother of three says she had no idea how she was going to be able to work, get treatment and afford gifts for the holidays.
"In the beginning it was extremely hard, being the mom of three," said Pretzel. "Single mom of three and knowing how to face this was very difficult."
That's when the David Garrard Foundation stepped in to help the single mom.
"They have been amazing. They have been helping me around the house," said Pretzel. "If I have a bad reaction to the chemo, they are there for me. They are there. Anything I need, they are right there for me."
The former Jaguars quarterback, Garrard, wanted to take Monday night to honor his mother who died from breast cancer.? Garrard said?it's a way to show his appreciation for the support he and his siblings received during her illness.
"Trying to find ways to make ends meet, they are having to work and go to chemo, treatment, all at the same time, while raising the family. A lot of times all by themselves," said Garrard. "I know the battle my mother had to go through with four kids, so this is just a way for me, keep her name going."
His care and support means a lot to Dawn Graves,?who was diagnosed with stage 4 breast cancer.
"It feels very overwhelming. ?It is very hard and heart wrenching there are other people out there that have the same thing as I," said Graves. "We can talk to each other. It feels very heart warming."
Copyright 2012 by News4Jax.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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In the U.S., Americans rely on insurance to protect against disasters. In China, families rely on themselves. CNBC Asia's Eunice Yoon has more from Beijing.
By Adrienne Mong, NBC News
Imagine a day-long storm with torrential rains and high winds pounding your home. By the time it blows over, you have lost everything you own. And you have no insurance.
This was the scenario in July for residents of Fangshan, a district 50 miles from the center of China's capital Beijing.?
Some 18 inches of rainfall dumped on Fangshan, causing a normally dry river to overflow and flood the surrounding homes. Half of the 77 people killed as a result of the storm were in Fangshan ? as were half of the estimated 57,000 people forced to evacuate their homes.
Liu Su Xia, a spirited 60-year-old grandmother, was in her house when the water rushed into the single-story courtyard building.?
"I was terrified," she said. "The water was this red color and went everywhere."?
She grabbed a ladder and clambered up to the second floor window of her neighbor's house to watch. As soon as the water receded, she climbed back down and began cleaning what she could.?
When her 63-year-old husband Xin Zhong Qi returned from the city center, where he was working on a construction site, they toiled together all night and into the next day to salvage what they could.
"There was nothing worth saving," Xin said. "We had to throw everything away."
As for compensation, "the government still hasn't come forward with a plan," Xin said.
'I can only rely on myself'
The flooding in Fangshan highlighted the Chinese state's weaknesses and faults ? and also underscored how much ordinary Chinese still have to rely on themselves. In the United States, families rely on homeowners' insurance to protect them against damage from disasters such as Superstorm Sandy, which hit the Northeast in November. But in China, many ordinary people remain unaware of and often unable to buy insurance.?
Read more China coverage on NBC's Behind The Wall
Damage from the flooding across Beijing cost $1.6 billion, according to municipal officials. Authorities have supplied temporary housing in Fangshan and announced plans to help create new permanent housing on safer ground.
But there was plenty of popular outrage over the authorities' handling of the disaster, especially the official casualty count, which many believed to be too low. Then there was criticism over the existing emergency response system, deemed too slow and inefficient. Finally, the destruction of so many homes raised concerns that existing buildings in Fangshan were built on unsafe grounds.
After Hong Kong weathers typhoon, anger roils over Beijing flooding deaths
Xin and Liu have not availed themselves of the temporary housing; it wasn't clear whether they were eligible or whether they did not seek out the option.
Miguel Toran / CNBC Asia
Friends help Xin Zhong Qi repair his home after it was damaged by flooding.
"I can only rely on myself," said Xin. "At least 90 percent of the time, you have to rely on yourself."
When asked whether they had ever heard of homeowners' insurance, Liu cackled.
"Aiya! We?re peasants! Who has that kind of money?"
Xin also admitted he doesn't quite understand what it is.?
An opportunity?
He's probably not the only one. The concept of homeowners' insurance is still new in China. It was barely two decades ago that private home ownership was re-introduced across cities, when the Communist Party gave millions of state workers the opportunity to buy their government-supplied homes at bargain basement rates.
"With around 250 million households entering the middle class in China over the next five or 10 years, that's a great opportunity for insurance products to reach even deeper in the Chinese population," said Joe Ngai, managing partner at McKinsey & Co.'s Hong Kong office.
Hong Kong offers insight into storm prep
In fact, McKinsey believes China will be the second largest insurance market in the world after the U.S. in 2020.
"We would think about insurance if it was offered to us," said Yu Shuang, another Fangshan resident whose home was badly damaged by the flood. Yu and her husband used their savings to repair their house and to replace their furniture and car. "But we're not sure whether we would want to look at what the government might offer or buy our own."
Xin, however, remained skeptical.
"We're old. We don't have that many years left. Why bother [buying insurance]? And we don't have any money," he said. "Anyway, this was a once in a lifetime event. One big flood in 60 years."
More world stories from NBC News:
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Those pursuing academic careers?face the prospect of earning a precarious living as an ?untenured? adjunct professor, hectically shuttling between teaching assignments at different universities and earning a meager living for their trouble.?
Sarah Stein, 29, a graduate law and Phd student in women's gender and sexuality studies, center, speaks to Gary Hauk, Emory University vice president, left, during a protest against proposed cuts to several academic programs in the hallway outside the administrative offices at Emory University, in this December 2012 file photo.
David Goldman/AP/File
EnlargeEmory University in Atlanta Georgia has?stirred up?student and faculty protests with its plan to cut revenue losing academic programs.?The plan includes suspending admission to its Graduate Institute of Liberal Arts and to graduate programs in Spanish and economics.?Mothballing graduate programs is a magnificent development for a number of reasons and we can only hope that it signals the beginning of a trend among cash-strapped universities.
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Graduate programs are enormously costly to maintain because graduate students receive huge subsidies in the form of a tuition waiver plus graduate or teaching assistantships that pay stipends that?reportedly?can run as high as $30,000 per year. In most cases, the taxpayer is footing a large part of the bill.?Not only are most large research universities with graduate programs state-owned institutions, but the Federal government also subsidizes low cost loans to graduate students and?bestows huge grants on faculty at research universities that are used to hire graduate assistants.?Not surprisingly this massive government subsidy leads to artificially prolonged stays in graduate school, which cause an enormous misallocation of resources and loss of productivity in the economy as many students who will never complete their doctorates delay the start of productive careers for many years.?According to a?recent study, only 25 percent of Ph.D. students complete their doctorates in 5 years and only 45 percent in 7 years. Completion rates are even lower in the social sciences and the humanities.
The government subsidization of graduate education also explains why many who do complete their doctorates and have aspirations to work in higher education confront markets glutted with job seekers, especially in the humanities and social sciences.?If they persist in pursuing an academic career, they then face the prospect of earning a precarious living as an ?untenured? adjunct professor, hectically shuttling between teaching assignments at different universities and earning a meager living for their trouble. They, and society at large, would be better off if they had never been lured into enrolling in graduate school and had chosen a different career path, for instance, in the insurance business.?
By Ilana Greene and?Andrew Bethany Spiers
Golan's Moving & Storage?was founded by three Israeli friends in Skokie, Illinois in 1990. Since then, it has grown exponentially to become the largest storage company in the city of Chicago. Competing with several other large companies in the area is also no easy task when you factor in the amount of money spent on overhead costs and maintaining equipment. However, Golan are surprisingly well equipped for such a small organization. The company utilizes 25 local trucks?the kind of box trucks one can see driving through the streets of Chicago on any given day. Additionally, they employ the use of five semi-trucks. Still, Golan managed to pull in approximately 9.5 million in revenues in 2011.
When the owners realized just how many moving jobs were taking them out west last year, they decided to open a sales and operation office in Los Angeles. Now, they find themselves gaining the additional business needed to travel back and forth between the two cities for jobs, making long distance trucking more profitable. The L.A. sales department has proven sizeable and efficient, coordinating 10,000 last year alone. In fact, as the number of moves increases, the department continues to grow in order to support higher demand. The most significant push has been to increase retail consumerism while working directly with individuals such as real estate agents and building managers, not simply end users alone. In the off-season, building a network of referral sources that can continue to recommend Golan to their target audience should pay off in higher profit margins later down the line.
Moving is most always a difficult and challenging time. Despite the excitement of settling into a new home, the scheduling process, coordination efforts, packing, and heavy lifting can prove extremely stressful. This anxiety is easily doubled when facing a cross-country move. Many consumers may hesitate to want a stranger in their home?touching, packing, and moving all of their worldly possessions?all the while, attending to their families, booking flights, or driving hundreds of miles. This company?s slogan??Golan makes moving easy. Their primary concern is to make the challenging task of relocating as worry-free as possible for customers.
Addressing this challenge begins with a solid sales teams and fair pricing options. Moving rates are incurred by the hour so Golan strives to provide the best, most efficient team to keep their customers? final bill as minimal as possible. Additionally, only their best service vehicles hit the road and maintain regular inspection schedules. In order to meet seasonal demand, the company employs a greater number of workers in their peak season, including movers with ten or more years of experience.
Golan?s representatives argue that no job is too big or small for their services. In a field of business where consumer complaints can run rampant, Golan?s overwhelmingly positive customer feedback speaks for itself. Approximately 70% of their business is derived from referrals or repeat customers. Despite the company?s sizeable advertising campaign, it is the superior customer service and resulting client satisfaction which has truly taken this small business to unexpected heights again and again.
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