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“Colonial presence”: Argentina rejects the visit of British Princess Anne to the Malvinas Islands

The Foreign Ministry questioned that the sister of King Carlos III arrived “without warning” to the island territory in dispute of sovereignty

 

by the cable services of El Reportero

 

The Argentine Ministry of Foreign Affairs rejected this Tuesday the “unannounced” arrival of British Crown Princess Anne to the Falkland Islands to commemorate the 40th anniversary of the 1982 war, which was considered by the country’s government South America as a “colonial” act.

During her visit to the insular territory in conflict of sovereignty, the sister of King Carlos III visited the Mount Pleasant base of the British forces, in Puerto Argentino.

“Argentina rejects the official activities of Princess Anne, of the British royal house, in the Malvinas Islands. The activity occurs in exercise of the illegal British occupation of the Malvinas, South Georgia, South Sandwich Islands and the surrounding maritime spaces “, denounced the Foreign Ministry after the news was published on the social networks of the royal family.

“Our country once again calls on the United Kingdom to resume bilateral negotiations in compliance with resolution 2065 and other resolutions of the General Assembly and its Special Committee on Decolonization,” the statement said.

Likewise, the secretary of the Malvinas, Antarctica and South Atlantic, Guillermo Carmona, pointed against the British Crown and recalled the calls of the United Nations Organization (UN) to resume diplomatic negotiations to resolve the conflict.

“Princess Anne, of the British royal house, arrived in Argentina without warning. Her country violates international law with its colonial presence in the South Atlantic against UN resolutions and world outcry. Perhaps that explains the impoliteness,” the official said.

The UN Special Committee on Decolonization urged the governments of Argentina and the United Kingdom to resume negotiations on sovereignty.

Last October, the Argentine request obtained broad international support at the first session of the joint general debate on decolonization issues of the United Nations General Assembly Commission on Special Policy and Decolonization.

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How to take control of your credit

Sponsored content from JPMorgan Chase & Co.

 

Improving your credit score starts with understanding how all of the pieces work together and continues with building a plan to improve your credit.

Simply, a credit score is an indicator of how responsibly you handle your credit. Several factors impact your credit score, and you might be surprised what financial behaviors and information actually make a difference.

First, it’s important to know the difference between your credit score and your credit report. Your credit score is based on the items found on your credit report, similar to how grades are based on homework and class assignments.

Here are four things that you might think matter – but don’t – and five that really do.

What traditionally doesn’t matter

– Employment history: Credit agencies might track your employment, but that information does not affect your credit score. Whether or not you have a job may affect your ability to obtain credit (such as a loan or credit card), but it’s not part of what determines the number.

– Savings account balance: Your credit score is based solely on your credit history. Your bank account balance is not a part of your credit history.

– Age: Your date of birth might be on your credit report, but it does not factor into the calculation of your credit score.

– Where you live: Your location doesn’t affect your credit score. Your payment history does.

What traditionally matters

– Paying on time: “Pay all your bills on time. Every time.” This is the golden rule of credit. Unfortunately, one late payment can significantly impact your score. Even high-income people struggle with this one!

– Your credit utilization: The balance of your accounts relative to your credit limits makes a difference in your credit report. The closer you are to maxing out, the worse the effect. Ideally, you’d keep this ratio to 30% or less, so if you have a $1,000 credit limit, a balance higher than $300 will start to drag your score down.

– How long you’ve had credit: It’s called a credit history for a reason. The further back you can demonstrate that you regularly pay your debts back, the better your score. The advice about keeping a zero-balance card open comes into play here – just to show how long you’ve had it. Ideally, you’d have at least one account that is at least ten years old.

– New accounts and credit checks: Opening a slew of new accounts (or attempting to) in a short period is a red flag to a lender. It can indicate that you’re planning a spending spree or expecting to lose your job. If you’re planning to apply for a mortgage or other loan where your credit score determines your interest rate, try to avoid applying for any new credit cards within 3-6 months.

– The number and type of accounts: There are such things as “good debts” and “bad debts.” Having a mortgage, student loan, or car loan looks better (as long as you don’t have late payments on your record) because it implies that you’re responsible enough to maintain a home, go to school, and take care of a car. Plus, the things that credit bought tend to last longer than the loan, making it good debt. Credit card debt isn’t as flattering – especially a bunch of maxed out store cards.

Becoming creditworthy takes diligence and dedication. And, whether you’re a Chase customer or not, you can use Chase Credit Journey to monitor your credit score for free as often as you like without impacting it. Simply sign up online at no cost and start receiving alerts when there are changes to your credit report, or when your personal information is exposed in a data breach.

For more information about taking control of your credit, enter: https://www.chase.com/personal/credit-cards/education/build-credit

  Husband and wife working in home office

 

 

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Biden administration guts most of public charge rule, but immigrants still fearful

by Sunita Sohrabji

Ethnic Media Services

 

The Biden Administration last week gutted the signature Trump-era policy known as public charge, which effectively imposed a wealth tax on people seeking to gain permanent residency in the US.

The new rule will go into effect on Dec. 23. It has already undergone a 60-day public comment period, and thus needs no further adjudication before it takes effect.

The rule greatly narrows the definition of public charge to just two criteria: Temporary Assistance for Needy Families, and institutionalization for long-term care.

The Trump administration had broadened the definition of the seldom-used 1999 rule to include immigrants receiving Medicaid, public housing, or Supplemental Nutrition Assistance Program (SNAP) benefits as part of the public charge inadmissibility determination, even if they were applying for those benefits on behalf of their US born children.

The rule — which gave immigration officers the discretion to determine if an individual applying for a green card might become dependent on the government — would also have been imposed on people attempting to permanently enter the US.

Lawsuits and injunctions kept Trump’s policy from ever being imposed, except for a brief window in 2020. The US Supreme Court killed Trump’s rule in 2021, shortly after President Joe Biden took office.

But despite non-implementation, the rule had a chilling effect on immigrant communities. Millions of people disenrolled themselves and family members from federal benefits to which they were entitled, for fear of invoking public charge inadmissibility when they applied for permanent residency.

“This action (today) ensures fair and humane treatment of legal immigrants and their U.S. citizen family members,” said Secretary of Homeland Security Alejandro Mayorkas in a Sept. 8 press statement. “Consistent with America’s bedrock values, we will not penalize individuals for choosing to access the health benefits and other supplemental government services available to them.”

The public charge test potentially impacts approximately 10 million immigrants and 12 million children, many of whom are US citizens, but born into mixed-status families.

“We welcome this long-awaited change in policy. It will have a beneficial impact on millions of immigrants, primarily women and children,” said Essey Workie, director of the Migration Policy Institute Human Services Initiative.

“But while the rule is moving in the right direction, immigrant communities are still fearful of what might happen in the future. A change in administration might bring back the restrictive rules, impacting immigration status,” said Workie in an interview with Ethnic Media Services.

Lawsuits and injunctions are definitely expected, but those must be based on technical or procedural issues. “I don’t see that applying to this situation,” said Workie.

Zenobia Lai, executive director of the Houston Immigration Legal Services Collaborative, said: “The Department of Homeland Security has realized the chilling effects of the public charge rule on immigrant families, especially those with US born children. We must move from that chill to a thaw.”

She noted that benefits received by children or other family members would not count when an immigration officer determines whether an applicant is deemed a public charge. She clarified that only government assistance would count and — under the new rule — would be limited to TANF and long-term medical institutionalization. Lai expressed her hope that those two categories would be removed in the future.

Lai also clarified that benefits received during the Covid-19 pandemic would not be considered for inadmissibility under the public charge rule.

She noted that immigration officers are mandated to weigh in on the totality of an applicant’s financial resources and future income prospects. Almost 60 percent of people applying for adjustment of status will be asked to provide an affidavit of support from a family member or other individual.

“This will be highly considered for the approval of the application to adjust status,” said Lai.

The Trump administration’s rhetoric had a chilling effect on immigrant families. For example, during the Trump administration, more than 240,000 children in Texas were dis-enrolled by their parents from Medicaid and the Children’s Health Insurance Program, noted Anne Dunkelberg, Program Director for the Health and Wellness Team at the non-profit organization Every Texan.

In Texas, one out of every four children has a parent who is not a US citizen. Many of them are undocumented, Dunkelberg noted at a press briefing Sept. 13.

“Parents no longer need to fear enrolling their eligible family members in public benefits. It will not affect their own immigration status,” she said.

There has been so much misinformation about the public charge rule, which has deterred people from enrolling themselves for benefits to which they are entitled, said Jennifer Duarte of Texas-based Project Vida. “Families are still fearful, based on misinformation. The new public charge is a small win in an ongoing battle,” she said.

“Politicians have stoked fear in the immigrant community, and will continue to do so,” said Esther Reyes Martinez, director of immigration policy and advocacy at the Children’s Defense Fund in Texas. She noted that the new rule has been written in a way to make it much more difficult for future administrations to attempt to change it.

Several organizations hailed the new rule. Asian Americans Advancing Justice released a statement, noting that the previous public charge rule was “cruel by design.”

“It was not only meant to favor white and wealthy immigrants applying for admission or a green card, but also aimed to create fear and confusion about the use of critical, life-saving programs within low-income communities of color.”

“Tragically, the issuance of the last rule caused many immigrants of color, including Asian Americans, to withdraw from health care, nutrition programs, housing services, and other benefits,” said the organization, noting that the new rule greatly simplifies the public charge test.

Marielena Hincapié, executive director of the National Immigration Law Center, said in a press statement: “The Biden administration’s public charge rule aligns with longstanding principles in immigration law and provides helpful clarifications to pre-existing guidance.”

“This policy is an important step in advancing the Biden administration’s priority of addressing socioeconomic and racial inequities that have been exacerbated by the ongoing COVID-19 pandemic,” she said.

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‘I feel like I lost 9 years of my life’: A detrans woman speaks out

by Brandon Showalter, senior investigative reporter

The Christian Post

After undergoing several years of experimental gender medicalization to look like a man to the outside world and extinguish the inner turmoil she felt about her sex, Laura Beth Perry Smalts wound up with regret.

“I feel like I lost nine years of my life,” Smalts says in The Christian Post’s podcast series “Generation Indoctrination: Inside the Transgender Battle.”

Smalts, who has a remarkable story of coming to Christ amid her gender confusion, genuinely believed she was a man born in a woman’s body. “I just needed to fix the body,” she says.

In her quest to “fix” her body, Smalts took male hormones and had an elective double mastectomy and hysterectomy because, in her mind, she wasn’t supposed to be a woman.

“There was all the regret, too, of just the things that I’ve done to my body — the fact that I didn’t have breasts anymore,” Smalts explains. “I ended up getting married and my husband didn’t know if I’d ever have breasts again. I was able to get breast surgery about three months ago and get implants, but it’s not the same.”

Although a psychiatrist tried to caution her from proceeding down the path of trans medicalization, the doctor ultimately signed off Smalts’ wishes to go forward. Smalts is now deeply troubled by the lack of medical oversight and the ease with which young people are able to obtain opposite-sex hormones and surgeries.

“It’s so maddening when I look back. … Where were the doctors willing to say, ‘Hey, wait for a second, this is really not good for your body?’” Smalts asks.

Jeremy Wright, a teacher in Loudoun County, Virginia, which has become the epicenter of parental pushback in the United States, said the best way he can describe what is going on with many youths today who are gender-confused is a “forced social contagion.”

“I see a lot of students who are already vulnerable to it, who’ve got high anxiety, they’re depressed, they might be self-harming,” Wright said in the podcast.

“At that point in their lives, the worst thing you can do is steer them toward something that could cause permanent damage,” he noted. “To me, that is exactly what this does.”

Wright says he sees a lot of teen girls gravitating toward this gender identity movement, wanting to participate in it.

That phenomenon, the social contagion disproportionately affecting young girls, was explored at length in the 2020 book, Irreversible Damage: The Transgender Craze Seducing Our Daughters by Abigail Shrier.

The medical dangers that have been reported have left Emily Curtis, a self-described lifelong liberal who served in former President Bill Clinton’s administration, beside herself with anger.

Curtis believes that on the political Left, there is a tendency to trust the experts, and that has inhibited many whose politics mirror hers from seeing the issue clearly. No one, she adds, is safeguarding children from these experimental drugs and elective and unnecessary operations. When she learned about the body-disfiguring gender surgeries that have been performed on minors, and what hormone blockers do to a child’s developing body, she was appalled.

“Fury, absolute rage, absolute fury,” she recounts, “I don’t have enough words to express rage, outrage, fury that someone would tell a child to have her body cut, surgically mutilated.”

“The mutilation word is harsh, and I don’t want anyone to feel hurt by the word. But a surgeon is mutilating a child for money knowing that that child does not have the ability to consent,” she adds.

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Advocates press for changes to CA Lead Pipe Replacement Program

A child afro american boy take water on his mouth and drink in a kitchen.

This is National Lead Poisoning Prevention Week

by Suzanne Potter

California News Service

October has been Children’s Environmental Health Month and this week is National Lead Poisoning Prevention Week, so groups in California that advocate for children’s health are asking for changes to the state’s 10-year plan to replace lead pipes.

California could get up to $1.25 billion from the infrastructure bill to replace old lead water lines.

Kelly Hardy, senior managing director of health and research for the group Children Now, said a coalition of health and environmental groups has written a letter asking the California State Water Resources Control Board to “get the lead out.”

“We’re pushing that they use all the available funds to replace all of the pipes and to add filters, so that there’s not an increase in lead in the water when the pipes are being replaced,” she said, “and also, provide for systematic sampling of the water.”

The water board, in a statement, said that in order to receive funding water agencies will have to replace the entire lead line and provide filters and testing. Agencies have two years to inventory lead in utility-owned and customer-owned service lines. The state Division of Drinking Water has inventoried more than ten million water lines and found almost 11-thousand lead fittings but very few lead pipes.

Dozens of water agencies are currently replacing fittings. Hardy wants families to be notified when pipes upstream are undergoing work because just disturbing galvanized pipes to replace them can cause a spike in lead levels in tap water.

“We know that there’s no amount of lead that’s safe for kids,” she said, “and it can cause a whole host of problems: learning disabilities, impaired hearing, hyperactivity, delayed puberty and other health and behavioral effects.”

Maps from the California Department of Public Health show the Humboldt, Merced, Sacramento and Santa Cruz areas report high levels of lead in children’s blood, compared with other areas of the state. People can contact their local water district to ask for data on lead levels in the water as well as lead-abatement efforts.

Report: Electric Vehicles Jump in Popularity; Prices Leap, Too

CA Consumer Advocates Call for Price Cap on EVs Purchased with Rebates

Electric vehicles now make up almost 18 percent of the car-buying market in California. That’s up 42 percent from 2021, according to the latest data from the California Energy Commission.

Right now, low-income buyers can get up to $9,500 in grants and rebates. But Rosemary Shahan, president of Consumers for Auto Reliability and Safety, said these rebates become meaningless when dealer markups are out of control.

“Some of them are charging $50,000, $60,000 or even more, over the manufacturer’s suggested retail price, the sticker price,” she said, “and we’re concerned that whatever rebates people get can just be swallowed by the dealers.”

Consumers can look online at markups.org to find out which dealers are selling cars at the MSRP, versus which ones are jacking up the prices. A recent study by iseeCars.com found the hybrid models with the biggest markups include the Ford Maverick truck and the Lexus RX 450h SUV.

Proposition 30 on California’s November ballot would raise taxes on the wealthy to pay for more rebates on zero-emission vehicles, build more EV charging stations and fund wildfire prevention. But Shahan saif more rebates could motivate dealers to raise their prices even more, unless the California Air Resources Board moves to cap prices.

“If they want taxpayers to help fund those transactions, and assist low- and moderate-income consumers into getting into cars, to make them more affordable,” she said, “they have to be more affordable.”

Dave Clegern, a public affairs officer for the California Air Resources Board, said the agency expects EV prices to drop as the supply grows. Asked if the agency would consider price caps, he responded that it would have to “think carefully about the best consumer protection approach” if it became necessary to place a limitation on price above the manufacturer’s suggested retail.

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Food preservation techniques used by different cultures around the world

by Olivia Cook

Preserving food naturally can help increase your food supply and reduce food waste. If you wish to learn how to prolong the shelf life of foods in your stockpile, you can look at food preservation techniques used by people from different places. Here are some of the ways people from different cultures keep their foods fresh for long periods.

Native Americans

Corn and meat are the most common staple foods, since farms could produce them in large quantities. Corn could be stored in several forms: kept in cribs while still on the cob, shelled or ground into cornmeal.

To keep meat all winter and most of the summer, meanwhile, Native Americans hang hams and other large pieces of meat in a small building (a smokehouse) to cure with salt through several weeks of exposure to a low fire with a lot of smoke. The smoke helps keep bacteria-carrying insects away during the drying process.

Some “salt down” their meat by placing them on a layer of salt to draw the moisture out of the meat to stop the process of rotting and covering them with more salt, sometimes mixed with pepper and brown sugar. Native Americans use coarse salt and water mixtures (also called brining) to preserve and season food while enhancing tenderness.

Others created different flavors and preserved fruits, vegetables, meat and fish by pickling. Early North Carolinians preserved certain types of beans by drying them in their pods, stringing them up on thread to hang in warm dry areas or by the fireplace to remove moisture. Beans prepared using this method is called “leather britches” or “shuck beans.” Rehydrated and cooked, the beans are tender, rich and velvety, and the skins take on the texture of silk and nearly dissolve on the tongue.

“Holing in” is another food preservation technique used by Native Americans. It is done by digging pits, lining them with sawdust or straw, placing harvested food stuff in the pits, covering them with sawdust or straw and finally topping the pits with boards or tins.

South Americans

In many countries in South America, potatoes are alternately exposed to the freezing night air and hot daytime sun for about five days and then trampled to squeeze out all moisture to make a freeze-dried potato delicacy known as “chuño,” which can last for months and years.

Africans

A dry granular foodstuff called “garri” is produced from cassava tubers that are peeled, washed, sliced, grated, placed in porous bags and allowed to ferment as the weights press out the water before the resultant mash is ground, sieved and roasted for long-term storage.

Ancient Egyptians

Ancient Egyptians preserved their mammalian, piscian and avian meat resources to provide them a supply of protein for lean times through drying, salting (dry and wet), smoking, pemmicaning, using fat, beer or honey curing or a combination of any of these methods.

Asians

The Chinese carefully handed down their knowledge of food preservation methods as a living culture. Hence, they are ever ready in the event of hardship or scarcity. Food is preserved by drying, pickling, salting, smoking, steeping, sugaring, steeping or soaking in many kinds of soy sauces. The whole range of food involved includes eggs, fruits, grains, meats, vegetables and everything else.

Koreans, on the other hand, tend to use blanching, boiling, fermenting, pickling and seasoning to preserve their agricultural produce and enrich food flavors.

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The Long Walk Home. A Mayan Family’s Journey In Search of Refuge

Hometown Holidays a community celebration

Compiled by the El Reportero‘s staff

Hometown Holidays Redwood City, a party to celebrate the holiday season, presented by Redwood City’s Downtown Business Group. Guests can enjoy a parade, live entertainment, carnival rides, Santa Claus photos, and more! RAIN OR SHINE!

Hometown Holidays, a free, family-friendly event

The celebration features:

-Traditional Holiday Parade

-Live entertainment, including High School bands, dancing groups and singing groups

-Santa Claus Photos outdoors –

Fun N Games Amusement Activities including Carnival Rides, Train, and Snack Station*- NEW this year: – Tie Dyed T-Shirt Creation*, plus crowd-pleasers featuring fun kids’ entertainment. – Petting Zoo.

Food and Craft Vendors

There is a fee for the Petting Zoo, T-Shirts, food and rides.

Details can be found at www.hometownholidays.org, or call the Hometown Holidays Hotline at 650-455-5144 or e-mail info@hometownholidays.org.

It’s all happening on Saturday Dec. 10, RAIN OR SHINE!

Saturday Dec. 10 2022 10 a.m. – 6 p.m., Downtown Redwood City, Free Admission.

Carnival Rides: 10 a.m. – 6:30 p.m., Santa Photos:10 a.m. – 3 p.m., one per family only. Live Holiday Entertainment: 10 a.m. – 4 p.m. Parade: 4:30 p.m., Holiday, Craft & Food Vendors: 10 a.m. – 6 p.m. http://www.hometownholidays.org

The Long Walk Home – a Mayan family’s journey in search of refuge

A multimedia concert by David R Molina.  The Long Walk Home (El Largo Camino A Casa)

The piece is primarily in Spanish, video art and supertitles make it accessible to English and Spanish speakers.

Conceived, composed, and co-directed by Molina, The Long Walk Home is a multimedia-audio documentary-concert which shares the epic true story of a Guatemalan Mayan family fleeing violence in their homeland, surviving a dangerous journey to the USA, Narco predators at the border, family separation in U.S. detention centers, their miraculous reunification, and their art of clowning.

A 5-piece ensemble featuring Bay Area and NYC musicians will perform a live score to this powerful story. Members range from jazz, classical, electronic, latin folklórico, and experimental music backgrounds.

The piece is primarily in Spanish, video art and supertitles make it accessible to English and Spanish speakers.

*CONTENT WARNING:

This production contains sensitive subject matter including: family separation, kidnapping, forced detention and sexual violence. Resources relating to these matters will be available at the community organization tables in the lobby.

Show details!

A 5 piece ensemble featuring Bay Area and NYC musicians will perform a live score to this powerful story. Members range from jazz, classical, electronic, latin folklórico, and experimental music backgrounds.

 

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Teresa Ramírez, the Rarámuri engineer who cleans the water with cempasuchil and chrysanthemum

Teresa Ramírez, a woman of Tarahumara origin, managed to clean the gray water by means of flowers so that it can be reused

by Mexico Unknown

Mexican talent never stops surprising us. Proof of this is that a Rarámuri engineer has managed to clean the gray water with cempasúchil flowers and chrysanthemums. She knows how she did it!

The Rarámuri engineer who cleans gray water with flowers

The world is at a time when real measures must be taken so as not to end everything that allows us to exist. That is why people from Mexico and from all over the world have been concerned about providing us with options to take care of nature and, of course, water.

However, we have found many alternatives both in the ancient practices of our indigenous peoples –an example is the milpa– and in the innovations that these communities have made in recent years.

Among the efforts mentioned we have Teresa Ramírez, a Rarámuri woman from Bacaboche –a ranch in the Sierra Tarahumara near Creel– who carried out research focused on saving water and maximizing the use of what is spent.

From a very young age, Teresa had a predilection for horticulture. Thanks to this, in the last few years she studied the degree in which she is now an intern: Horticultural Engineer at the Autonomous University of Chihuahua.

Subsequently, Ella Ramírez focused her thesis on cleaning gray water – the one that comes from the shower, dishes, etc. And thanks to the use of the cempasuchil flower and the chrysanthemum, she achieved it in the following way:

“Chrysanthemum and cempasuchil seeds are planted in wetlands, which receive gray water, dripping throughout the day, that water filters into the soil of the plants and comes out clean, which allows it to be used in other activities such as watering plants. , wash the car or do the same cleaning, only it is not suitable for drinking or preparing food ”.

Maria Teresa Ramirez

It may interest you: These are the Mexicans who made us proud during 2019

It should be noted that Teresa’s interest is not in making a profit from her project but in having people use it – especially in homes where water is scarce. This is how liquid gold can be reused so that less is wasted.

And you, are you willing to carry out this project?

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A workers’ guide to wage theft: what to do if your boss steals your wages

by Lil Kalish

CalMatters

 

Nov. 2, 2022 – Wage theft is common in low-wage industries in California.

Tens of thousands of workers — in restaurants, nail salons, warehouses, farms, car washes and other industries – lose out on millions of dollars in stolen wages each year.

Wage theft happens when employers deliberately pay workers below the minimum wage, deny them meal or rest breaks, fail to pay overtime premiums, or engage in other practices to cheat them out of pay.

Last year more than 19,000 workers filed claims with the state alleging wage theft totaling more than $338 million. It takes the state an average of 505 days to decide these individual wage claims, according to Labor Commissioner data, so workers can wait years to be paid.

Besides this, many workers — especially immigrants, persons of color or women — find speaking out about wage theft intimidating and risky.

So what should you do if you find yourself in this situation?

Some advocates and community organizers shared their best practices and advice. Here are their answers to your questions and some advice for workers:

Are the hours you worked and your paychecks not adding up? Does your employer take the tips you earned on the job? Are you wondering why your boss is paying you with personal checks, instead of using a payroll system with the usual paycheck deductions?

Your boss could be stealing your wages.

If your paychecks don’t reflect your work hours or there are other issues with your check, worker advocates recommend asking your boss about it.

But first, says Andrea Gonzalez, a worker advocate, workers should do a little research. Look online for news clippings about your employer. Or search the employer’s name on the Labor Commissioner’s website.

Type the company’s name into their search tool at the top to see if the company has a history of labor violations and complaints from workers. Also you can use the Wage Claims Search and Judgment Search options in the menu on the side of the page. Research could help minimize your risk of employer retaliation.

Gonzalez, who is organizing director of CLEAN, a Los Angeles car wash worker center, advises that if you confront your employer, initiate the conversation with a “curious tone” rather than an accusatory one. Mention that you’ve noticed your hours aren’t matching up with your payment. Or ask to take your legally mandated rest breaks, if that’s the issue, she said.

Any time you meet with your employer, advocates recommend you document the date and time and write down how they respond to your questions.

If your employer does have a history of labor violations, it might be best to first connect with a worker center — a community or nonprofit organization that provides support for low-income workers. There are at least 47 worker centers across the state, and California’s labor offices have partnered with 17 of them for certain industries.

Advocates recommend each worker keep their own updated records of the hours they  work, perhaps in a calendar, a notebook or on a cellphone. If a state or federal agency or a district attorney contacts your employer, a clear timeline of your hours worked as well as a record of any retaliatory actions against you or your coworkers can help move an investigation forward.

Note as many details about your job as possible. For example, log what time you started work, what time you left and what days you get paid. Write down the names of the person who hired you, your supervisor, and the person who sets your schedule, any information relevant to your pay and schedule.

Advocates also recommend documenting any time your boss denies you legally-required meal or rest breaks, or whenever your boss makes you work for more than eight hours, and whether you are paid overtime pay. Generally, for hourly workers, state law requires your employer to pay time-and-a-half for work beyond eight hours a day or 40 hours a week. It’s more if you work beyond 12 hours a day or for seven days straight.

Don’t throw out these records, says Ana Aldama, senior investigator at the Maintenance Cooperation Trust Fund, a statewide janitorial industry watchdog group. Workers should hang onto these records for at least three years, in case the company comes under investigation in the future.

Similarly advocates recommend collecting any documentation of payment such as your paystubs, contracts, agreements for piece rates.

By state law, your employer is required to give you an itemized wage statement. It should include your name; the dates of the pay period; how much you earned; your employer’s name, address, and contact information; federal and state tax deductions, any paid sick leave you accrued; Social Security, Medicare, and any other deductions. This information will help you figure out if you are paid properly and could be useful if you pursue a wage claim.

If your employer pays you in cash, be sure to note how much it is in each pay period. If they pay you in personal checks, take a photo or scan the check. Some employers pay workers with personal checks as a way to avoid paying overtime premiums or workers’ compensation insurance.

You are legally entitled to see a copy of your wage statements, even if your employer doesn’t automatically provide them.

You do not have to confront your employer alone, advocates say. If you believe your employer stole your wages, you have several avenues for help.

You can connect with a worker center in your industry. There, organizers will help you understand your rights and options and support you if you file a wage claim.

You can file a claim with the California Labor Commissioner on your computer, tablet or cell phone. It would be useful to have your notes about your paychecks and hours worked on hand. The state agency also runs an informational website explaining workers’ rights in English and Spanish.

Similarly, you can take federal action and file a complaint online with the U.S. Department of Labor or reach out to one of its nine regional offices.

The state and federal agencies advise workers to keep copies of pay stubs and records of hours worked. Neither agency will ask about your immigration status. Their services are free and confidential.

Some workers choose to hire their own lawyers and pursue private legal action. Gonzalez says that can be costly. She recommends connecting with worker centers or labor organizations whose legal partners do pro bono work.

Worker centers vary across the state. Some, like the California Domestic Workers Coalition or the Garment Workers Center, are industry specific.

Others, like the Los Angeles Black Worker Center or the Pilipino Workers Center in Los Angeles, organize low-wage workers in specific ethnic groups.

Gonzalez says in your first meeting at a worker center, generally a worker advocate will conduct an intake interview to get to know the worker and their situation. They’ll explain your rights to everything from minimum wage to sick leave.

Often when multiple workers from a single employer come forward, the worker center may refer the cases to the Labor Commissioner’s Office. Its Bureau of Field Enforcement investigates employers for possible financial penalties and citations.

To find a worker center in your area, Gonzalez recommends using social media to connect with unions or other labor organizations near you. Or you can start with this sample list.

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Chase takes nationwide action to expand credit access for small businesses through Special Purpose Credit Program in historically underserved areas  

As part of JPMorgan Chase’s $30 billion commitment, Chase has developed a Special Purpose Credit Program to expand credit access to businesses in majority Black, Hispanic and Latino communities

 

Produced by JPMorgan Chase

 

NEW YORK – Nov. 18, 2022 – Chase has announced the national launch of a Special Purpose Credit Program (SPCP) to improve access to credit for small business owners in historically underserved areas. The program is the first of its kind to be offered for small business owners nationally and one of many initiatives Chase has introduced to expand small business relationships, drive inclusive economic growth and increase access to credit for minority small business owners in a sustainable way.

“Access to capital has historically been disproportionally challenging for small business owners who live and work in communities of color,” said Ben Walter, CEO, Chase Business Banking. “We want to do our part to create more parity by saying yes to more business owners in these areas so they can grow and thrive, and their communities can benefit in turn.”

The program is geography-based, allowing the bank to target capital to the areas that need it most. The goal of the program is to extend credit to small business owners who might not otherwise be approved or receive it on less favorable terms. Customers do not need to do anything special to qualify. If the business is located in an eligible area, then the application will be evaluated under the program.

Chase began piloting the program in Dallas, Detroit, Houston, and Miami earlier this year and expanded it to 21 cities in July. It is now available for businesses in majority Black, Hispanic and Latino neighborhoods across the U.S.

Small Businesses are the Engine of the American Economy

“Small businesses are critical drivers of economic growth and job creation, and credit is key to helping them survive and thrive,” Walter said. “They are also important anchors for their neighborhoods, and when they are better able to invest and grow they create more vibrant and resilient communities.”

As part of the firm’s $30 billion commitment, its Business Banking arm has been increasingly focused on supporting the growth of Black, Hispanic and Latino entrepreneurs.

“Minority entrepreneurs are rapidly becoming the customer of the future,” said Mikal Quarles, head of Chase Business Banking Racial Equity Strategies. “We want to help more minority-owned businesses create and sustain wealth long-term. We are accomplishing this by building the infrastructure, strengthening relationships, and bringing owners into the mainstream financial system. Growing and thriving small business customers are an important driver of our long-term business goals.”

Other Initiatives Under way to Support Minority Business Owners

Special Purpose Credit Programs are just one way Chase is driving sustainable, inclusive economic growth with a focus on greater access to credit.  Chase recently:

– Improved the application process for smaller-dollar loans (generally up to $500,000) to make the process easier, faster and less intimidating.

– Launched a digital loan application so customers can apply for a business line of credit online – no need to call or visit a branch. It’s being rolled out in phases and is expected to be widely available in 2023.

– Expanded its free one-on-one coaching program to more than 40 trained senior business consultants in 21 U.S. cities to provide mentoring and advice to minority business owners on everything from boosting creditworthiness to managing cash flow to effective marketing.

– Since the program’s inception in 2020, Chase has mentored more than 2,600 minority business owners, helping them improve their operations, plan for growth, and network with others in the local business community.

– Launched a new resource center at Chase.com/businessconsultant that provides free educational content, resources, and advice to help early-stage and established entrepreneurs achieve their goals.

“Creating a more equitable economy is a business and social imperative,” said Marc Morial, President and CEO of the National Urban League. “I applaud Chase for helping minority business owners pursue their dreams.”

Research Supports the Need for Special Efforts to Expand Access to Credit

When looking at liquid wealth among U.S. small business owners, the JPMorgan Chase Institute found that:

– Black and Hispanic small business owners have a lower level of starting wealth, which may mean these founders are less able to invest in their businesses.

– Existing wealth inequities could influence the ability of Black or Hispanic founders to invest in their businesses and generate meaningful wealth.

– Programs targeting low-income or majority-minority neighborhoods could be particularly helpful for Black and Hispanic business owners, who typically start firms with less cash, which may limit their opportunities for wealth creation.

 

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