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Education in Mexico, invaded by corruption within the teaching profession

For more than twenty years, teaching work has been tainted by the transparency of the process for educators seeking to obtain a formal job within the public education system in Mexico

by Xochitl TC

In Mexico, those people who seek to become teachers at the basic or upper secondary educational level must meet the requirements stipulated by the Ministry of Public Education (SEP), the most important being having a bachelor’s degree in education or some other area of teaching, for example. for example, history, literature or mathematics, as indicated in the last call of the System Unit for the Career of Teachers (USICAMM), which belongs to the same government body.

How many teaching positions are granted each year in Mexico?

According to press release number 137 issued by the SEP on July 12, 2023, for the 2022-2023 school year, 125,509 places were assigned, which highlighted that the designation of said jobs was for the “purpose to prioritize the best interests of girls, boys, adolescents and young people to contribute to access to their right to education and guarantee the provision of educational services.” However, different local media in the state of Puebla, Mexico, have focused their attention on an act of corruption within the teaching profession that – according to the authorities of the Mexican Government – can no longer be possible.

Case of sale of teaching positions in Tezuitlán, Puebla, Mexico.

Through the news outlet El Sol de Puebla, a group of teachers recently graduated from universities and normal schools in the region of Tezuitlán, Puebla, Mexico, made a public complaint against a teacher who belongs to the National Union of Education Workers , identified as “Samuel N”. The teacher in question belongs to section 51 of said organization and also “in his capacity as a union representative, he requested official documents and a payment of approximately 100 thousand pesos to 100 people, who were defrauded in their attempt to enter the educational service of the Ministry of Public Education (SEP)”, stated the newspaper in its digital version.

How much does it cost to be a teacher in Mexico?

Covering the expenses of a university teaching career in Mexico are high. Students must travel from their homes to the study center and if they are lucky they can travel within their own locality and in other cases, they must move to the capital of the country (Mexico City) or their entity to train as teachers; However, the amount invested in basic needs such as food, materials, practices, buses and payment for services such as Internet, will depend on the federal entity where they are located. The specialized financial supplement Dinero en Imagen indicated that “from its gastronomy to its educational proposal, each city in Mexico offers something different for young university students, and the regional differences are reflected in the cost of living” and for that reason, the Young university students invest approximately between 600 and 700 pesos per month.

After graduating, what’s next?

Those graduates of degrees in education or specialized teaching who wish to become professors assigned to the SEP must participate in a contest to assign a teaching position and it is through USICAMM that those interested “will compete on equal terms; “It will be public, transparent, equitable and impartial, in which the knowledge, skills and experience necessary for the learning and comprehensive development of students will be appreciated and ensure the hiring of personnel that meets the necessary professional profile,” this declaration cites said decentralized office of the SEP as part of its annual selection process for the admission of teachers.

In contrast to the admission processes that seek to be carried out in accordance with the law and transparency, there are testimonies that indicate the opposite.

A corrupt practice for more than 20 years

Originally from a municipality located in the northwest of the state of Michoacán, teacher Estela Ibáñez shared with El Reportero her experience in seeking better working conditions within the teaching of basic education in the public system. “I have been working in the public education system for 30 years and once tried to change schools to be closer to my town. At that moment I was able to realize that in the system there is a character called “coyote”, who was or, if they follow these practices, is the manager who “carries and brings” the teacher’s official documentation with the Education Union”, he said.

Likewise, she shared that “when I had the need to distance myself for a time from my duties as a teacher in front of a group, I had to find out what procedures I had to carry out and I first tried to change school campus and they told me that if I decided to do so I would have to pay an amount of 30 thousand pesos (approximately 1800 dollars). “I decided not to opt for a change of staff, but to request a leave of absence for six months and my payment was evidently suspended,” she argued. However, once her leave ended and she returned to her job as a teacher, “I had to give them a month of my salary so that my payments could be made normally, that is, that they would pay me my fortnights as they usually did before my license,” he said.

The sales practice that persists until this six-year term.

It was during the second year (2019) of the government of President Andrés Manuel López Obrador, that the then head of the SEP, Esteban Moctezuma Barragán, declared that “the sale of teaching positions and extortion of teachers persisted, because in these practices senior managers of the education union and the SEP itself participate” and, unfortunately, it is a practice that has persisted throughout Mexico, that is, it has occurred for more than two decades in the 32 entities of the country.

Despite the attempts of the Government of the Republic to affirm that the sale of places no longer exists in Mexico, it is the testimonies of teachers that portray the reality that exists to this day.

How many teachers are there in Mexico?

The National Institute of Statistics and Geography (INEGI) is the body in charge of carrying out demographic censuses in Mexico and through the latest National Occupation and Employment Survey (ENOE), carried out in 2020, it showed that there were 1.2 million people with an occupation. as a basic education teacher, with 69.9% women and 30.1% men.

Jessica Soria, a preschool educator from the state of Jalisco, stated that she had to pay the equivalent of 9 thousand dollars to be placed in a basic teaching position, that is, a permanent job within the SEP, and due to His need to have a permanent job did not matter that the position was granted to him in the neighboring state of Nayarit.

On the other hand, Professor Juan Reyes from the Tierra Caliente area of Michoacán, shared that “although the vacancies are open to the general public and meet the academic profile requested,” the price of being a teacher in Mexico is high, since “that practice has not stopped. People must pay between 14,000 and 18,000 dollars to “buy” their workspace and start a teaching career in the federal education system,” he lamented.

Why is it so attractive to join the SEP as a teacher?

The issue of legal benefits plays an important role for those seeking to enter the SEP and pursue a teaching career or only enter as administrative personnel. Although the salary disparity is evident, because the lowest salary is 180 dollars per month; These days, Mexicans are looking for a job that provides them with job security, to have the right to medical service, vacation bonus, bonus, annual bonus, retirement, among others.

In contrast, stories standout such as those of Mr. Carlos López, who died in 2021 due to a respiratory illness and who unfortunately was not able to leave his 3 minor children a child’s pension. He was an administrative worker in one of the sections of the SEP in Veracruz and during the 4 years that he worked, he only worked in the office. The statute of State workers indicates that only “those minors whose parents have completed -at least- 5 years working within the federal worker system may have the right to a child’s pension.” Mr. Carlos, like other members of the SEP, had to cover a fee of 14 thousand dollars to pay for his work space.

The federal government regarding the sale of teaching positions

Óscar Flores, head of the Administration and Finance Unit of the SEP, stated last February during the morning conference of President Andrés Manuel López Obrador that “in the current administration efforts have been made to redirect resources for the benefit of the workers of education, increasing income, benefits and also, the basicization of more than 945 thousand people.

For his part, AMLO indicated that his government “does not want to sell positions or traffic with the teachers’ payroll, no one is allowed, even if they are the most extreme left or right, no one is allowed, in the country there are no longer tolerated corruption.”

Given the latent facts, these are the testimonies of people who have claimed to have resorted to purchasing a teaching position, because beyond the corruption that remains among high-ranking officials of the SEP, the great need to tell comes to light. with a job in line with legal benefits.

Five first steps to start a company

Happy Latin American man hanging an open sign at a local supermarket and smiling - reopening of business

Sponsored by JPMorgan Chase & Co.

The U.S. is not only home to more than 63 million Latinos, but it is also the place where this community operates almost five million businesses that generate more than $800 billion in annual revenue, according to Stanford University and the Latino Business Action Network’s State of Latino Entrepreneurship Report.

Female business owner of a charcuterie opening for service hanging the open sign on the door and while facing the camera smiling – People at work concepts

Growth in employment and income has increased for this community over the years, however starting a business is still a challenging task that requires a certain optimism, imagination, and perseverance. If you’re looking to start your own business, here are some important initial steps to consider:

  1. Know the business in and out. Whether you want to sell homemade sauces, open a place that serves coffee or offer Artificial Intelligence services, you should know your product or service, the market you have and the competitors. Briefly and simply describe what your business consists of, what need or market it serves and who your potential clients are.
  2. Create a Business Plan. A guide or roadmap focused on your business idea, the market and how you plan to reach your objectives, will not only help you open and face the challenges that exist in a business but also maintain it. Additionally, it will allow you to focus on your idea, see the path ahead and communicate it to potential investors. Agile start-ups only need the description of the proposal, what is needed, finances and potential clients.
  3. Assess the need for financing and look for it. The business plan you created will help you. Many entrepreneurs initially use their personal credit card to fund a business, but there are actually business credit cards, like Chase’s Ink Business Cash Card, that can help meet your needs while earning rewards like cash back on business purchases. If you’re looking to obtain a business loan, you can work with a bank or through the Small Business Administration. Alternatively, there may be public and foundation subsidies where you can do crowdfunding.
  4. Determine the legal structure and register your company. This affects your tax obligations and legal liability. Some options include sole proprietorship, or Unipersonal Company — one owner is responsible for the debts; partnership –if there are more than two people; corporation — to separate personal responsibility from that of the business; LLC — or Limited Liability (the most common). Seek legal assistance to determine what structure is best for you and your business.
  5. Register with the IRS. Consider whether you should have an employer identifier number among other things to keep tax obligations separate.

For more information and tips on how to start and manage a business, visit chase.com/es/business.

For informational/educational purposes only: Views and strategies described may not be appropriate for everyone and are not intended as specific advice/recommendation for any individual. Information has been obtained from sources believed to be reliable, but JPMorgan Chase & Co. or its affiliates and/or subsidiaries do not warrant its completeness or accuracy.

Learn to dance Tango at the Berkeley City Club

by Magdy Zara

If you want to learn to dance Argentine tango, this is your opportunity. Instructor Luz Castiñeiras will be teaching three master classes, with which you will learn the most beautiful things about this elegant and complicated dance.

To access the classes it is not necessary to be a member or have prior knowledge, just feel the desire to dance and show up any Wednesday.

Instructor Castiñeiras will begin by teaching a beginner class on the fundamentals of tango, followed by an intermediate class focused on the rhythm of the milonga.

Luz is a master of the milonga, both as a leader and a follower. In milonga class, she explains the differences between body movement in tango and milonga, which apply to even the most basic steps. She also shows us some of the super fun milonga figures from her repertoire.

The tango sessions with Luz Castiñeiras are every Wednesday starting May 15, at the Berkeley City Club, starting at 7 p.m., their cost ranges between $10 and $20. For more information through info@labrujatangoberkeley.com and www.labrujatangoberkeley.com.

The Berkeley City Club is located at 2315 Durant Avenue Berkeley,

Cuban rapper Telmary performs SF

Telmary is a Cuban rapper, musician and spoken word artist, who together with her band offers her unforgettable show of music, culture and inspiration.

Her music effectively united two worlds that seemed separate, combining musical genres, breaking down cultural barriers and connecting people of different backgrounds and languages.

From Havana, Cuba, street poet Telmary has become a leader and tastemaker at the forefront of hip-hop and urban music in Cuba.

As a rapper, Telmary uses her distinctive voice, sometimes deep and soulful, sometimes fast and aggressive, to proclaim a positive and empowering message that contrasts with the commercial norm of the genre.

This rapper will light up the stage at Freight and Salvage, this Wednesday, May 15, starting at 8 p.m., at Freight & Salvage, located at 2020 Addison Street, Berkeley.

San Mateo County Fair reaches its 90th edition

The San Mateo County Fair is a tradition rooted in the Bay Area for 90 years, offering a variety of entertainment, exhibits and food options for visitors of all ages.

The Fair celebrates the rich culture and diversity of San Mateo County and is a highlight of the summer season.

This year, the fair promises to be bigger and better. than ever, with new attractions and surprises that will surely delight attendees of all ages.

One of the new features at the fair this year is the Great American Duck Racing, a fun and exciting event that promises to entertain both children and adults.

Additionally, Toytopia takes guests on a nostalgic interactive journey through the world of toys, featuring both classic and modern favorites. This exhibit will captivate young minds with engaging exhibits and hands-on activities.

The fair will also feature its beloved attractions, including pig races, a butterfly exhibit and an incredible concert program. Artists scheduled to take the stage include Iam Tongi, Remember When Rock Was Young – An Elton John Tribute WAR. Super Diamante – Tribute to Neil Diamond, All-4-One, Queen Nation, Banda Arkangel, Banda Los Lagos and La Gran Sonora, as announced by Dana Stoehr, executive director of the San Mateo County Fair and Event Center .

The fair will be held June 1-9 at the San Mateo County Events Center, located at 1346 Saratoga Drive, San Mateo, CA 94403.

For more information and to purchase tickets, visit www.sanmateocountyfair.com

“Social Revolution or Reconstruction”: The unknown mural of José Clemente Orozco in Orizaba, Veracruz

José Clemente Orozco is one of the so-called three greats of Mexican muralism. However, some of his great works are still not well known. Discover the mural of him in the Municipal Palace of Orizaba!

by Mexico Unknown

After the great military campaigns that shook the country during the Mexican Revolution, the construction of the new regime began, that of the Revolutionary State. Muralism was part of the cultural mystique of that historical period, and without a doubt José Clemente Orozco was one of its great protagonists. He painted various murals, some very well known, but others not so much. One of them is the one found in the Municipal Palace of Orizaba, Veracruz.

Vasconcelos’ cultural crusade

Once the strongest turbulence of the armed stage of the Mexican Revolution, between 1910 and 1920, was over, the rise of the new state institutions would come. For the president of Mexico, General Álvaro Obregón, an area of special interest was education. For this, he appointed José Vasconcelos as Secretary of Public Education in 1921.

Taking advantage of the support received from the presidency as well as the resources of his government ministry, Vasconcelos promoted a large-scale educational crusade during his administration, in order to spread culture in the country, with popular education programs, rural schools, book publishing. and promotion of art and culture. The goal was to integrate Mexico into the great changes that occurred in the world, starting from the significant events of the beginning of the 20th century: the First World War, the Russian Revolution and the Mexican Revolution itself, among some others. One of the most famous and specific objectives of this campaign was to educate the majority of the country’s population to read and write.

Muralism

It is in this way that one of the flanks that Vasconcelos decided to address was that of the plastic arts, by using them as a means of disseminating universal knowledge. In 1921, the Secretary of Public Education contacted Diego Rivera (who was in Europe) and other young Mexican painters, in order to make them part of his great cultural crusade and begin commissioning their first works. There is controversy about whose idea of the mural format was, but it is clear that the first great example of this is Rivera’s work “The Creation” (1922), carried out in the Simón Bolívar Antitheater of the UNAM National Preparatory School, in what is currently the Old School of San Ildefonso.

With this, the artistic movement of Mexican muralism began. Very soon the muralists rebelled against the directives of José Vasconcelos, embracing the social spirit of the Mexican Revolution; They also sought to develop a new national identity, arising from the vindication of local traditions and the indigenous peoples who inhabit Mexico. Several names began to stand out; one of them was José Clemente Orozco from Jalisco.

Hundreds of thousands of CA children dropped off Medi-Cal since last year

African American male pediatrician with stethoscope listening to lung and heart sound of little boy sitting on mother lap, physician checkup at home or in hospital, children medical insurance care

by Suzanne Potter

Medi-Cal has dropped several hundred thousand low-income children from the health insurance rolls since April 2023, according to a new report from Georgetown University.

The data show a net drop in children’s Medi-Cal enrollment of 200,000 kids between April and December of last year, as the state started redetermining participants’ annual eligibility – which had been paused to ensure continuous coverage during the pandemic.

Mayra Álvarez, president of the Children’s Partnership, said another 100,000 have been dropped this year.

“Some 80 percent of the people that lose coverage in California are losing it for procedural reasons,” said Álvarez, “not because they’re not eligible but because their paperwork didn’t make it to the county, or they waited too long on the line and got frustrated and had to hang up, or they moved and the letter never even reached them.”

The state of California has made a massive outreach effort to keep those who are eligible covered.

More than half a million children, half of California’s kids, depend on Medi-Cal. And three quarters of them are children of color.

It is unclear how many kids who lost Medi-Cal were later enrolled in private coverage.

Joan Alker is a co-author of the report, and executive director of the Center for Children and Families at Georgetown University. She said gaps in coverage can lead to long-term negative impacts.

“Kids are going to miss out on those well-child visits, they’re going to miss out on getting the medications they need,” said Alker, “be it an inhaler for their asthma or an ADHD medication. And that really sets them back, both in their health and their success in school.”

A few years ago, California lawmakers passed a requirement for continuous coverage in Medi-Cal for children ages zero to five.

Alvarez said she is urging them to follow through and allocate $10 million in the next state budget to fulfill this mission.

In other California News:

Can a comic coloring book help you avoid used car scams?

Consumer advocates find a new way to educate car buyers

Buying a used car can be a risky proposition but a new consumer guide can help people avoid common pitfalls.

The nonprofit Oregon Consumer Justice just released the first edition of its free resource called the Consumer Confidence Comics. The unique guide doubles as an interactive comic book with coloring pages.

Michelle Luedtke, communications director for Oregon Consumer Justice, said it is a fun way to learn how to ask the right questions.

“When you get promises from a dealer, where do you capture those to make sure that they’ll be part of your final contract?” Luedtke asked. “We have a checklist of different questions to ask at a dealer about purchasing a used car, you can also download as a resource on our website.”

The guide is available in English and Spanish. Used car prices shot up during the pandemic but have come down a bit in the last year, with the average used car selling for about $31,000, according to iseecars.com.

Luedtke also recommended taking the time to read the fine print on any contracts. The guide goes through the process from start to finish.

“Whether or not you should be looking for financing beforehand, or what dealer financing looks like? What are scams that are common around purchasing a vehicle,” Luedtke outlined. “And then also what to do if things go wrong.”

In 2022, Americans purchased about 39 million used vehicles. The website Statista projects used car dealers in California will pull in about $11.7 billion in revenue this year.

Hundreds of thousands of CA children dropped off Medi-Cal since last year

African American male pediatrician with stethoscope listening to lung and heart sound of little boy sitting on mother lap, physician checkup at home or in hospital, children medical insurance care

by Suzanne Potter

Medi-Cal has dropped several hundred thousand low-income children from the health insurance rolls since April 2023, according to a new report from Georgetown University.

The data show a net drop in children’s Medi-Cal enrollment of 200,000 kids between April and December of last year, as the state started redetermining participants’ annual eligibility – which had been paused to ensure continuous coverage during the pandemic.

Mayra Álvarez, president of the Children’s Partnership, said another 100,000 have been dropped this year.

“Some 80 percent of the people that lose coverage in California are losing it for procedural reasons,” said Álvarez, “not because they’re not eligible but because their paperwork didn’t make it to the county, or they waited too long on the line and got frustrated and had to hang up, or they moved and the letter never even reached them.”

The state of California has made a massive outreach effort to keep those who are eligible covered.

More than half a million children, half of California’s kids, depend on Medi-Cal. And three quarters of them are children of color.

It is unclear how many kids who lost Medi-Cal were later enrolled in private coverage.

Joan Alker is a co-author of the report, and executive director of the Center for Children and Families at Georgetown University. She said gaps in coverage can lead to long-term negative impacts.

“Kids are going to miss out on those well-child visits, they’re going to miss out on getting the medications they need,” said Alker, “be it an inhaler for their asthma or an ADHD medication. And that really sets them back, both in their health and their success in school.”

A few years ago, California lawmakers passed a requirement for continuous coverage in Medi-Cal for children ages zero to five.

Álvarez said she is urging them to follow through and allocate $10 million in the next state budget to fulfill this mission.

In other California News:

Can a comic coloring book help you avoid used car scams?

Consumer advocates find a new way to educate car buyers

Buying a used car can be a risky proposition but a new consumer guide can help people avoid common pitfalls.

The nonprofit Oregon Consumer Justice just released the first edition of its free resource called the Consumer Confidence Comics. The unique guide doubles as an interactive comic book with coloring pages.

Michelle Luedtke, communications director for Oregon Consumer Justice, said it is a fun way to learn how to ask the right questions.

“When you get promises from a dealer, where do you capture those to make sure that they’ll be part of your final contract?” Luedtke asked. “We have a checklist of different questions to ask at a dealer about purchasing a used car, you can also download as a resource on our website.”

The guide is available in English and Spanish. Used car prices shot up during the pandemic but have come down a bit in the last year, with the average used car selling for about $31,000, according to iseecars.com.

Luedtke also recommended taking the time to read the fine print on any contracts. The guide goes through the process from start to finish.

“Whether or not you should be looking for financing beforehand, or what dealer financing looks like? What are scams that are common around purchasing a vehicle,” Luedtke outlined. “And then also what to do if things go wrong.”

In 2022, Americans purchased about 39 million used vehicles. The website Statista projects used car dealers in California will pull in about $11.7 billion in revenue this year.

Who is José Mulino, the elected president of Panama

José Mulino celebra con sus partidarios en Ciudad de Panamá, 5 de mayo de 2024 - José Mulino celebrates with his supporters in Panama City, May 5, 2024.

In his speech after learning of the victory, he said that he will promote a “pro-investment” and “pro-private business” government. He promised to stop migration through the Darien

by the El Reportero wire services

José Raúl Mulino Quintero, a 64-year-old lawyer, was elected president of Panama in the elections that were held last Sunday in the Central American country.

“It implies an enormous weight on my shoulders that I receive with pleasure and above all with the firm and unwavering conviction of giving the best of myself for the country during the next five years,” Mulino said Sunday night, after the Electoral Court confirmed his victory.

According to the results issued by that organization, with 99.04 percent of the votes counted, Mulino reaches 34.28 percent of the votes, a total of 772,619 votes. Of his opponents, the one closest to him is Ricardo Lombana, who gets 24.68 percent (556,387).

After this triumph, the now elected president, married with four children, will take office on July 1, for the presidential period 2024 – 2029; thus replacing Laurentino Cortizo.

From former minister to president

Mulino, from the Alliance to Save Panama, was the last of the candidates to join the race, since he replaced Ricardo Martinelli, the former president who governed the Central American country between 2009 and 2014 and who was seeking power again.

Martinelli was disqualified in early March by the Electoral Court after being sentenced to almost 11 years in prison for money laundering and requested asylum at the Nicaraguan Embassy.

Then, Mulino, who was a vice presidential candidate for the coalition, was authorized by the organization to replace the former president and his candidacy was declared constitutional by the Supreme Court of Justice (CSJ) of Panama only last Friday, May 3.

Mulino entered politics when he was part of the ‘civilist crusade’, a movement that integrated various sectors of Panamanian society against the military regime that existed between 1968 and 1989.

Later, he held several political positions. He was vice minister of Foreign Affairs between 1990 and 1993 and then became chancellor, from that year to 1994, during the administration of President Guillermo Endara (1989-1994).

He returned to the Executive in 2009, in the Martinelli Presidency, when he was Minister of Government and Justice from July of that year until the same month of 2010; and, later, he held the Public Security portfolio, between April 2010 and June 2014.

As head of Public Security, he implemented heavy-handed policies, including the repression of citizen protests. During demonstrations in the province of Bocas del Toro in 2010, two people died and dozens were injured; After that, the State had to respond to the victims with lifelong pensions.

Once he left office, he spent six months in preventive detention for a case of alleged embezzlement in the Government; but the case was annulled.

Proposals

During his speech on Sunday, Mulino, Martinelli’s political dolphin and who defines himself as center-right, made it clear: “This person here is no one’s puppet.”

However, on several previous occasions—including the electoral campaign—he said that he plans to help Martinelli with his judicial process, since he believes that the conviction against the former president was due to unjust political persecution.

The president-elect, who has a university degree in law and political science and a master’s degree in maritime law in the US, also said in his speech on Sunday that he will promote a “pro-investment” and “pro-private business” government.

“We cannot forget those who are hungry, those who want a job and those who need clean water throughout the country,” he added.

Mulino has promised to apply policies to stop the growing flow of migrants entering the country through the Darién jungle, which connects with Colombia, heading to the United States. He also proposed expanding the capital’s metro that was inaugurated in 2014 by Martinelli and a train between Panama City and the interior of the Central American nation.

Alfonso Fraguela, former vice president of the National Bar Association of Panama, commented, in an interview with RT, that among the main problems that Mulino will have to face is the drought in the Panama Canal, as well as that of the Social Security Fund, which has financial problems.

“He will also have to recompose the image of the country as a brand, since in recent administrations our country has been questioned by aspects concerning the famous ‘Panama Papers’ and a series of situations,” he said.

Opinion: How the populist narrative will challenge Mexico’s next president

López Obrador, visto aquí dando un discurso después de su aplastante victoria en 2018. - López Obrador, seen here giving a speech after his landslide.victory in 2018.

by Luis Rubio

MND

The advent of populist movements, from the left and the right, has been accompanied by a rejection of globalization and a systematic call for the reappearance of an all-powerful government, aimed at correcting the ills that afflict humanity.

This populist narrative does not deny the extraordinary progress in terms of prosperity and poverty reduction that has characterized the world in recent decades, but it argues that “savage” or unfettered capitalism has caused extreme income inequality, benefiting mainly the rich.

The narrative is appealing, but it has served less to improve the welfare of the population than to consolidate new interests in power. This poses a clear dilemma in the context of electing Mexico’s next president: Closing the country’s doors to the world, or finding ways for the entire population to reap the benefits of the enormous opportunities that come with proximity to our two northern neighbors.

The economic liberalization that Mexico embarked on since the 1980s was little more than an acceptance that global technological change opened opportunities the country couldn’t seize without significantly changing its economic strategy and institutional framework. Today, the Mexican economy is much larger and more productive than it was half a century ago, and citizens enjoy political freedoms previously unimaginable.

The election of a new president, regardless of the winner, will determine the state’s willingness to chart a course that allows the entire population to live in an environment of security and certainty, or to persist in the institutional and economic destruction initiated by the outgoing government of President Andrés Manuel López Obrador.

The key point for those seeking progress for Mexico has to be accepting that globalization is an inexorable reality that has been extraordinarily beneficial for the country. The ills often associated with it — such as violence, inequality and poor-quality education — have been the result of what has not been done. The country can only attempt to isolate itself from globalization if it is willing to pay the price in terms of low growth, increased poverty and more inequality, losing out on the technological change upon which future progress depends.

The outgoing administration has attempted to play two contradictory games. On the one hand, it has allowed the continuation of integration with our northern neighbors, but did nothing to improve infrastructure or opportunities for the population to participate in that economic space. On the other hand, the administration has undermined the country’s security, hindered the development of energy capacity and created an environment of enormous uncertainty regarding the future, including the conditions necessary for the USMCA to continue after the review in 2026.

All of this calls into question the sustainability of current sources of growth. The winner of the election in June will have to define policy on this matter immediately.

Nations that, in recent decades, chose to face up to these challenges share very similar characteristics: They focused on improving the quality of their educational systems, built the necessary infrastructure and modified legislation to facilitate the transition of their economies. Above all, they changed their way of understanding development and embarked on a crusade to ensure that all of society could join the process.

By observing nations that thrive and those that lag behind, the path is evident. The successful countries embraced globalization and continue to do so, in parallel with adjusting and adapting their strategies and policies to ensure that their populations have access to every possible opportunity.

Mexico has followed a less consistent and more uncertain path. While there was a clear and consistent vision in the first iteration of Mexican reforms in the 1980s and 90s, the truth is that this did not last long. The liberalization of the economy was inconsistent with the way companies and banks were privatized, and many of the reforms, especially those undertaken in the previous administration of Enrique Peña Nieto (extraordinarily ambitious in themselves), were executed in such a way that they never gained legitimacy, and were therefore politically vulnerable.

The crucial point is that Mexico has spent decades pretending to reform when, in reality, it has only adapted at the lowest possible cost, preventing more successful and attractive results from being achieved for the population. That is the real dilemma for the next government.

Mexico has not embraced the need to be successful, has not accepted the imperative (and inevitable) nature of the new reality, all of which has made possible the attacks the country is now experiencing against its own future.

Globalization has not ceased to exist; the question is whether Mexico will eventually make it its own, or continue to pretend that its economic and political impoverishment is merely a matter of chance.

Luis Rubio is the president of México Evalúa-CIDAC and former president of the Mexican Council on International Affairs (COMEXI). He is a prolific columnist on international relations and on politics and the economy, writing weekly for Reforma newspaper, and regularly for The Washington Post, The Wall Street Journal and The Financial Times.

Disclaimer: The views expressed in this article are solely those of the author and do not necessarily reflect the views of Mexico News Daily, its owner or its employees.

Californians are protecting themselves from wildfire. Why is there still an insurance crisis?

Donna Yutzy limpia las canaletas de su casa de escombros inflamables en el área de Magalia del condado de Butte el 4 de noviembre de 2023. La ley estatal prohíbe el uso de plantas de jardinería y cualquier material inflamable dentro de un radio de cinco pies de la casa. Donna Yutzy cleans the gutters of her home from flammable debris in the Magalia area of Butte County on Nov. 4, 2023. State law prohibits the use of landscaping plants and any flammable materials within a five-foot radius of the house. - Photo By Manuel Orbegozo For Calmatters.

by Levi Sumagaysay

Spend any time thinking or talking about insurance in California these days and you’re bound to hear the word “mitigation.”

Fire officials, lawmakers, insurance agents and others are asking homeowners  to help lower the risk of devastating wildfires by making improvements to their properties — in some cases at great expense — and often in the context of trying to hang on to their insurance policies. The state has spent about $3.7 billion on forest management in the past seven years. Communities, fire districts and others are doing their part, too.

But some insurance companies citing growing risks and costs have paused or stopped writing new policies in California, causing a crisis of home-insurance affordability and availability. Some homeowners have seen their premiums spike or are being priced out, while others have been forced to turn to the ever-growing FAIR Plan, the insurer of last resort that offers less coverage but higher insurance premiums anyway.

As Insurance Commissioner Ricardo Lara rolls out his plan to try to reverse that trend, three state lawmakers are pushing for mitigation to be taken into account when insurers set premiums or when they decide whether to offer policies at all. Or they want mitigation to be more effectively tracked and strategized.

“We believe that if you do the homework, you should get the credit,” said state Sen. Josh Becker, the Democrat representing Menlo Park. “As a state, we’re doing that homework.”

Becker’s staff cites the billions of dollars the state has spent on reducing fuel and managing vegetation since 2017, when wildfires consumed many parts of California. The sum doesn’t include other spending on fire engines, air tankers and increasing staff for Cal Fire, which has added about 4,500 positions in the past decade.

A bill authored by Becker seeks to incorporate mitigation into insurance companies’ underwriting decisions — when they consider whether to write or renew policies. Senate Bill 1060 awaits a hearing in the Senate Appropriations Committee.

One of the regulations Lara has unveiled as part of his plan to try to fix the state’s insurance market involves allowing insurers to use catastrophe models in rate-making, which includes taking mitigation into account. But some say that’s not enough to address the availability of insurance.

Former state Insurance Commissioner Dave Jones recently told CalMatters that Becker’s bill is needed specifically for underwriting because the insurance commissioner’s authority is limited to rate-making.

“Local, state and federal governments are spending billions of dollars in forest treatments, so homeowners ought to see a benefit,” Jones said. “That’s not happening now, but should happen.”

Wildfire mitigation and risk

Studies show that mitigation is reducing wildfire risks. A recent study by the National Association of Insurance Commissioners found that structural modifications can reduce wildfire risk by 40%, and, when combined with vegetation modifications, can reduce risk by 75%. A subsequent Moody’s study found that utility Southern California Edison’s actions to harden its power grid reduced the risk of catastrophic wildfire losses by 75% to 80%.

But insurance-industry experts have concerns about Becker’s bill. For one thing, they say incorporating mitigation into underwriting shifts more financial risk to insurers.

In addition, they say they already use models that account for mitigation.

Sheri Lee Scott, an actuary for a Milliman Property & Casualty practice in Orange County, said the bill is yet another regulation that could “exacerbate” the insurance crisis.

“Insurance companies are trying their best to incorporate (mitigation) already,” Scott said, pointing to a recent state regulation directing insurers to incorporate mitigation into determining premiums — which Scott wrote in a report “presents tremendous challenges for insurers in terms of compliance and the potential erosion of adequate rates for wildfire risk.”

The insurance commissioner said his office started enforcing that rule on considering mitigation last year, but homeowners, insurance agents, fire chiefs and other lawmakers say the different ways everyone is trying to reduce wildfire risk isn’t making enough of a dent in the state’s insurance crisis.

Bernard Molloy, fire chief of Murrieta, said during a public workshop hosted by the Insurance Department last week that “residents don’t receive credit” for the “tremendous amount of work” they put into trying to reduce wildfire risk. Jorge Escobar, a Bay Area resident, said during the same workshop that he had just asked the Moraga fire district whether insurance companies are taking mitigation into account. “The answer was, surprisingly, no… Why isn’t this being mandated?” he asked.

Tina Purwin, an insurance agent in Northridge, told CalMatters her clients get notices that they’re not being renewed despite taking action to avoid wildfire risk.

“Carriers are being ultra picky,” Purwin said. “They’re looking for any way to not take the risks.”

At another public hearing on insurance issues last week — by the Little Hoover Commission, the independent state oversight agency — Nevada County Supervisor Heidi Hall said the Sierra Nevada-area residents she represents are spending “tens of thousands of dollars” on hardening their homes, and that the “county itself has put in millions of dollars, with the help of Cal Fire, to put in fire breaks.”

Yet, she said “we’re not seeing discounts from insurance companies. They’re still leaving.”

Assemblymember Freddie Rodriguez, a Democrat representing Chino, authored another bill related to mitigation. Assembly Bill 2983 calls for the Insurance Department and the California Office of Emergency Services to work together on figuring out whether investments in mitigation are helping insurance availability.

Project assessments would have to be published on state websites. And a representative of the Insurance Department would be added to the board of the California Wildfire Mitigation Program.

“Some people think (mitigation is already taken into account), some don’t,” Rodriguez said. “We need to bring everyone together. We need to talk about it.”

Rodriguez’s staff said both the Insurance Department and the mitigation program appear to be open to the board-representative idea. The Insurance Department did not answer questions and the emergency services agency did not respond to questions in time for publication.

Earlier this month, the Assembly Insurance Committee approved AB 2983 and re-referred it to the Assembly Appropriations Committee.

‘They should not be losing their insurance’

Another bill would require the Insurance Department to evaluate every three years whether to update its Safer from Wildfires regulation, which identifies steps property owners and officials can take to protect their homes and communities. The steps include installing fire-rated roofs, upgrading windows, removing combustible sheds and more. The department adopted the regulation in 2022 and says on its website that taking these measures “can help you save money on your insurance.”

Assemblymember Damon Connolly, a Democrat representing San Rafael, authored AB 2416,  which he said would “lock in periodic updates to the program so it’s most effectively serving consumers.”

Connolly said his staff is in talks with the Insurance Department, which he said is open to discussing his bill. He also said he has made amendments to address insurance-industry concerns. The Insurance Department did not answer questions about the bill.

The assemblymember also said that not only should property owners get discounts when they take the steps outlined in the regulation, “I would say if consumers are doing these steps, they should not be losing their insurance.”

The Assembly Insurance Committee has referred his bill to the Assembly Appropriations Committee.

Lawmakers representing California in Congress are trying to make mitigation measures matter, too. U.S. Rep. Mike Thompson, the Democrat who represents Napa and other counties, said during a press conference last week in Santa Rosa that his bill, HR 7849, would establish a program for individual homeowners in certain areas to receive grants of up to $10,000, as well as tax credits for homeowners and businesses, for mitigation.

The legislation, co-authored by U.S. Rep. Doug LaMalfa, the Republican who represents rural Northern California, was introduced in March and referred to the House Ways and Means Committee and the Transportation and Infrastructure Committee.

Thompson said that as he and his colleagues tried to figure out how they could help on a national level, “what we heard repeatedly from insurance companies was: Make sure there’s disaster resilience in building, that homeowners (are doing) everything necessary to protect their homes.”

Help Multiply: REACH Triple Match Provides Energy Bill Assistance to a Larger Group of Income-Eligible PG&E Customers

Eligible customers can receive up to $1,000 bill credit when making a payment

Oakland, California. — To help support more customers facing past-due energy bills, Pacific Gas and Electric Company (PG&E) is expanding the eligibility requirements and benefits offered by the Relief for Energy program. Assistance through Community Help, REACH). The REACH program helps qualified customers pay their overdue energy bill to avoid service disconnections.

The REACH Triple Match program provides a credit to customers who make a bill payment to help further reduce their balance. The program expands the number of eligible customers who can receive a match from 3 to 1. For example, a household of four with an income of $120,000 a year could qualify for assistance.

The REACH Triple Match program requires low- and moderate-income customers to make a pre-matched payment three times, providing a bill credit of up to $1,000. For example, if a customer makes a payment of $100, REACH will match it with an invoice credit of $300, for a total credit of $400.

Income guidelines and information on how to apply can be found online here.

PG&E recently contributed $55 million to support the nonprofit Dollar Energy Fund (DEF), marking an expansion of the REACH program. This contribution is funded through PG&E and not from customer rates.

More than $8.2 million in billing assistance has already been provided to qualified PG&E customers this year. DEF operates separately from PG&E and is responsible for distributing funds to PG&E customers.

“PG&E is committed to providing tangible bill relief to more households,” said Vincent Davis, Senior Vice President of Customer Experience. “Through the REACH Triple Matching Contribution, we want to help ensure equitable access to essential energy services.”

REACH Triple Matching Eligibility Requirements

* • Applicants must have an active PG&E residential account in their name.

* • Must have a minimum past due balance of $200.

* • Must meet specific income guidelines.

* • They must not have received REACH funds in the last 12 months.

* • A minimum payment of $50 is required

* • Customer payment plus matching funds cannot exceed customer’s outstanding balance

Dollar Energy Fund

The Dollar Energy Fund is a nonprofit entity that administers REACH program funds, operating through 170 offices in Northern and Central California. PG&E customers, including those who need language assistance or help with their applications, can contact an agency in their county or apply online at www.hardshiptools.org/MyApp. Applicants can also call 1-800-933-9677 for assistance.

Other PG&E Assistance Programs

PG&E has several other assistance programs to help customers who are behind on their energy bills. Billing assistance programs include:

* • Family Electric Rate Assistance (FERA): Offers an 18% monthly discount on electricity for households with three or more people.

* • Arrearage Management Plan (AMP): A debt relief plan for eligible residential customers who may have experienced pandemic-related hardship.

* • Low-Income Home Energy Assistance Program (LIHEAP) – A federally funded and state-supervised assistance program that offers a one-time payment of up to $1,000 on overdue bills to help low-income households pay for heating or cooling their homes, provides emergency assistance in energy crises and home weatherization.

About PG&E

Pacific Gas and Electric Company, a subsidiary of PG&E Corporation (NYSE: PCG), is a combined natural gas and electric company serving more than 16 million people in a 70,000-square-mile area in northern and central California . For more information, visit pge.com and pge.com/news.