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 Starting and Scaling a Small Business as a Minority Entrepreneur

Portrait of a happy business owner opening on the door at a cafe and smiling – small business concepts

Sponsored content from JPMorgan Chase & Co.

 

Ever dreamed of owning your own business? If so, you’re not alone. In fact, you’re among more than 60% of Americans with the same aspiration.

There are plenty of resources to support you in making that dream a reality, especially as the COVID-19 pandemic continues to impact minority-owned businesses. Our team at JPMorgan Chase, for example, has set aside 15,000 loans and $2 billion in capital for Black, and Latino and Hispanic businesses. There are many other companies across the country who have also launched initiatives to support long-term recovery and economic growth in minority communities.

Small businesses have the power to boost local economies, job creation and community development. Equipping small business owners with the capital, knowledge and tools necessary to start and develop a company is critical for success.

The most important factors in a first-time entrepreneur’s journey are the initial steps to launch – a foundational understanding of what you’ll need for a successful business is a good place to start. There are a few driving factors that can help you succeed:

– A reliable network: Having a mentor – or access to someone who’s done this before – can be extremely valuable. Whether asking questions, discussing ideas, or just offering general support, there are incredible champions in your local community. You can also supplement a local strong support network with JPMorgan Chase workshops, panel discussions and summits, as well as the Chase for Business mailing list and social channels, where you’ll find regular updates on networking and available learning opportunities. The Chase for Business offerings are great for both growing your knowledge of managing a business, as well as growing your network beyond your community.

– A relationship with your banker: Banking is about relationships, so I encourage and welcome you to stop by your local Chase or set up a digital appointment to begin cultivating one. JPMorgan Chase wants to know about the experiences of Black, and Latino and Hispanic entrepreneurs in your communities, including their must-know steps to financial success.

– Knowledge of operational tools: From digital payment systems to automated billing, there are tech-based software and service offerings available to simplify many aspects of managing a business. Digital media and marketing tools have also been game-changers for many of our clients as they look to reach and engage more customers.

– Access to funding and loans: Starting, maintaining and scaling a business costs money! Initial expenses can include everything from licenses to new equipment. Luckily, there are alternatives to covering these costs entirely on your own, like loans, grants, lines of credit and other capital set aside specifically for minority entrepreneurs.

Access to Capital

Undoubtedly, funding is crucial as an aspiring small business owner and securing capital can be challenging. However, there are options available to Black, and Latino and Hispanic business owners that you should be aware of. In addition to the traditional options and types of capital, JPMorgan Chase has reserved low-cost loans specifically for minority-owned businesses. Many local small business owners are able to secure loans fairly quickly by working with the Chase team. When you visit your local branch, ask us about the process for securing funding and we’ll walk you through all of your options – ranging from loans to lines of credit – including your eligibility and the pros and cons of each. Chase strives to present you with every option – even the ones you may have not originally thought were right for you – to give you all the information you need to make the right decision for yourself and your business.

Build a Network You Trust

Building a strong network and understanding the access you have to supportive resources will help you find the tailored support you need to get your business off the ground. For example, JPMorgan Chase’s Advancing Black Entrepreneurs platform was built in collaboration with Black Enterprise, National Urban League and other organizations that understand firsthand the challenges associated with starting a business. Many existing small business owners say the site’s free educational courses, on-demand resources and networking events have been extremely helpful in building the foundation they need to successfully navigate their small business journey. You don’t even need to be a Chase customer to access these free resources.

In addition to digital support, Chase’s local community managers at branches around the U.S. are building connections with Black and Hispanic communities to increase awareness and utilization of available resources, as well as organizing neighborhood networking events and enrichment workshops to help local entrepreneurs start or grow their businesses. These events, whether in-person or virtual are great to connect and network with your local community, and to better take advantage of all the tools and options available to you.

Lastly, the Chase Chats webcast series features a session with Shark Tank’s Daymond John, who discusses how Black business owners can navigate life as a business owner and, more specifically, lingering pandemic-driven issues. That webcast, along with the educational course on the same topic, offers great advice – from the importance of bookkeeping to pivoting your business model and developing contingency plans.

If you find yourself inspired to take the leap and start a business of your own, consider stopping by your local Chase branch to find out more about the tools, resources and capital available to you.

Portrait of smiling Hispanic grocery store owners
Front view portrait of a hispanic barber in a retro style barber shop.

Immigrant victims of domestic violence still struggle to get asylum

Despite Trump’s era policies being reversed, the likelihood of finding protection in the US is lower than ever

by Jenny Manríquez

Ethnic Media Services

After escaping the abuse and persecution from an active gang member from La Mara 18 in her native El Salvador, Milagro won her asylum case in the United States last August on domestic violence grounds.
She crossed the Mexican border in 2015, escaping from her kidnapper, who repeatedly raped her and threatened to murder her family. “My life was always in danger, I filed a complaint (in El Salvador) but my case was not solved and they did not help me at all,” said Milagro during an Ethnic Media Services briefing that focused on the way domestic violence victims struggle to find protection in the United States.
The woman, who agreed that her story could be published without using her last name, was about to get married when the gang member became obsessed with her and began to harass her over the phone, saying that he would have her “whether you like it or not” .
Since then, the raping began repeatedly, including threats with weapons, blows to the entire body and burnings with an iron. Her rapist even fractured her hands.
“The last time he beat me for four hours, he wanted to kill me, he told me that he was going to cut me into pieces and leave half of my body at my grandmother’s, and half at my uncle’s.” After Milagro escaped, the gang member kept looking for her in every nook and cranny of her city, so she decided to leave the country.
“When I crossed (the border) I told them (immigration officials) that my life was in danger, that if I returned he would kill me, wherever I was he would look for me… Thanks to God and the lawyer I got it (the asylum), but it was a long struggle.”
Almost five years after presenting her case (December 2016), she received her status and with it, the path to legal residence in the country. She is the mother of a little girl, now pregnant with a boy, and although she is in a stable and healthy relationship, “there is still that trauma that one cannot remove. It is like a big burn and a scar remains, even if you want to erase it, you can’t.”
The U.S Refugee Act of 1980 allows people to apply for refugee status abroad or asylum status at the border or within the United States. They are eligible if they demonstrate what is known as “a well-founded fear,” meaning that the persecution is due to their race, religion, nationality, political opinion, or membership in a particular social group.
Marta Victoria Canossa, an immigration attorney for the Los Angeles-based firm Ortega, Canossa y Asociados, who is handling the Milagro case, stressed that it is important that those escaping domestic violence in their countries of origin present their case within the first year they enter the United States.
“It is very difficult for an abused woman to go to an American embassy and request asylum, even for those who have family already here in the United States or have an application pending,” she said. “This lack of resources at the embassy level forces women to present their claims at the Mexican border. If they don’t do it as soon as they cross, they have a year to do it.”
To support these claims, defenders have found useful reports issued every year by the State Department on the situation of the countries in Latin America, which highlight the problems faced by these abused women in finding help in their own governments.
VAWA and U Visa
For women who suffer domestic violence within the United States, they have two options: they can present their case through the Violence Against Women Act (VAWA) in force since 1984, or apply for a U visa.
“VAWA is available to people married to legal permanent residents or citizens of the United States,” Canossa said. Under this law, which also protects men, applicants are not required to submit a police report: their own declaration or a witness one, along with proof such as images and text messages, are sufficient. “Approval is taking from 21 to 28 months, but they can also apply for work permits while they wait,” Canossa said.
The application under VAWA must be made while the person is still married to the abuser or within two years of their divorce.
As for U VIsa, this relief is available to women who are victims of people who have no documents or were not married to US citizens. However, it requires a police report which “is sometimes challenging when the person is in a jurisdiction where the police don’t want to cooperate.”
The other difficulty is that the wait for the U visa exceeds 5 years, a time in which the person does not receive a work permit.
Sessions vs. Garland
The road to reaching these protections has been long. Beginning in the 1990s, guidelines were adopted on how women’s claims for domestic violence could fit into the Refugee Convention.
“In 2014 the Justice Department’s Board of Immigration Appeals issued a decision that explicitly recognized domestic violence as a basis for asylum,” Bookey said. “But in 2018, Trump’s Attorney General, Jeff Sessions, issued a decision that undid that precedent, using the case of our client, Miss AB.”
AB is a Salvadoran woman who endured 15 years of brutal domestic violence. Her partner’s brother was a police officer and he utilized that position to intimidate her, forcing her into exile, leaving behind her three young children. Although AB was eligible for asylum, Sessions rejected that decision and tried to undermine the availability of asylum for all women fleeing domestic violence and any form of harm from a non-government actor.

Six time Billboard award winner

by the El Reportero‘s news services

 

A protégé of the legendary jazz master Dizzy Gillespie, ARTURO SANDOVAL was born in Artemisa, a small town in the outskirts of Havana, Cuba, on Nov. 6, 1949, just two years after Gillespie became the first musician to bring Latin influences into American Jazz. Sandoval began studying classical trumpet at the age of twelve, but it didn’t take him long to catch the excitement of the jazz world. He has since evolved into one of the world’s most acknowledged guardians of jazz trumpet and flugelhorn, as well as a renowned classical artist, pianist and composer.

He is one of the most dynamic and vivacious live performers of our time, and has been seen by millions at the Oscars, at the Grammy Awards, and the Billboard Awards.

Sandoval has been awarded 10 Grammy Awards, and nominated 19 times; he has also received 6 Billboard Awards and an Emmy Award. The latter for his composing work on the entire underscore of the HBO movie based on his life, “For Love or Country” that starred Andy Garcia as Arturo. His two latest Grammy award winning albums, “Dear Diz “Everyday I think of you” and Tango “Como Yo Te Siento” are now available worldwide. Arturo Sandoval’s newest CD, Eternamente Manzanero. Performing the music of revered Mexican romantic pianist/singer/songwriter, Armando Manzanero, this is a true labor of love. Performing Senor Manzanero’s music with co-headliner Jorge Calandrelli, the album is a fresh, modern and pleasant take on his beautiful bolero music.

Recently released, is a new book chronicling his relationship with Dizzy Gillespie entitled “The Man Who Changed My Life” Arturo also is the 2013 recipient of the Presidential Medal of Freedom.

Sandoval was a founding member of the Grammy Award-winning group Irakere, whose explosive mixture of jazz, classical, rock and traditional Cuban music caused a sensation throughout the entertainment world. In 1981, he left Irakere to form his own band, which garnered enthusiastic praise from critics and audiences all over the world, and continues to do so.

At Yoshi’s, 510 Embarcadero West, Oakland, CA 94607, on Nov. 26 – 28, call (510) 238-9200 or for more information, contact Melody Lisman 818-297-4124 or melodylisman@gmail.com.

 

2021 San Francisco Veterans Film Festival

This year’s festival takes place online and in person at the Main Library

 

OneVet OneVoice and San Francisco Public Library are excited to announce the lineup for the 10th Annual San Francisco Veterans Film Festival (#SFVFF21), the Bay Area’s premier military and veteran film event. The festival, with screenings on Nov. 13 and 14 at the Main Library, is a free event showcasing unique independent films that explore the complexities of military service and the challenges of reintegrating as a civilian.

The festival, which was held online in 2020 due to COVID-19, will take place both online and in person this year. Come see selected films and panel discussions with filmmakers and local representatives of the veteran community in the Main Library’s Koret Auditorium. Following the festival weekend, films will be available for online streaming for an additional seven days.

San Francisco Veterans Film Festival

Nov. 13, 11 a.m. – 5 p.m., Nov. 14, 1 – 5 p.m.

San Francisco Main Library, Koret Auditorium, 100 Larkin St.

The event is free and open to the public.

Films will be available streaming online for 7 days after the event.

Collector returns Mayan artefact to Guatemala

A private collector has handed over a Mayan artefact to Guatemala following negotiations after plans were made to auction the piece in 2019

 

by the El Reportero‘s news services

 

The artefact depicts the head of an ancient ruler wearing a mask in the form of a bird of prey.

It disappeared from the Mayan site of Piedras Negras in the 1960s.

The piece reappeared in Paris in 2019 during an auction, but Guatemala objected and presented evidence calling for the artefact to be returned.

The sale was suspended and negotiations took place between the private collector, Manichak Aurance, the French and Guatemalan governments, and Unesco.

Ms. Aurance opted to voluntarily return the fragment – which depicts an ancient ruler who acceded to the throne in the year 729 AD – to Guatemala, Unesco said in a statement.

It was returned during a ceremony in Paris on Monday.

“The voluntary handover of this fragment of a Mayan stela to its homeland in Guatemala showcases the evolution of the international environment in favor of the return of emblematic cultural objects and artefacts to their homelands,” Audrey Azoulay, Unesco director-general, said in the statement.

The artefact will soon be sent to the National Museum of Archaeology and Ethnology of Guatemala City, where it will be on display to the public.

https://ichef.bbci.co.uk/news/976/cpsprodpb/18179/production/_121218689_mediaitem121218688.jpg

 

Other entertainment reports by Carlos Aguilar

 

Latino Contenders Oscar voters shouldn’t overlook

Maria Mercedes Coroy — Best Supporting Actress for “La Llorona”

Guatemalan auteur Jayro Bustamante has diligently centered Indigenous talent in his work. The lead in his debut feature “Ixanul,” young newcomer María Mercedes Coroy, returns as the title character in the acclaimed political genre film “La Llorona.” Coroy, who also recently starred opposite Julianne Moore in “Bel Canto,” becomes the ghostly figure of a woman who in the original tale wept for her dead children. Here, the apparition acts as an avenger for thousands of Mayans murdered during the Ríos Montt dictatorship. It’s a nearly silent role that relies on her ability to exude a simultaneously captivating and unnerving presence.

Juan Daniel Garcia Treviño — Best Actor for “I’m No Longer Here”

First-time thespian Daniel Garcia astounds in “I’m No Longer Here” in the role of Ulises, the leader of a small teen gang, Terkos, with an affinity for slowed-down cumbia music. Violence, however, forces him to depart from all he’s ever known, and, not unlike the hero in “The Odyssey,” to embark on a quiet reassessment of his identity while living in hostile NYC. Garcia, who learned to dance for the part and donned the singular attire and hairstyle associated with the Kolombia counterculture, gives a stoic but resolute performance. We believe both his loyalty for and disillusionment with the place he calls home.

 

6 reasons to eat more boysenberries, a tangy, tart fruit

by Rose Lidell

 

10/21/2021 / The boysenberry is a nutritious fruit with many amazing health benefits, such as improving your brain health and digestion. It’s also a versatile ingredient that can be used to make desserts, jams and smoothies.

Where did boysenberries come from?

Back in the 1920s, horticulturist Rudolph Boysen from Napa, California, experimented with various crosses between berries.

When Boysen moved to Orange County, he planted berry vines on his in-law’s farm in Anaheim, California. He then obtained the loganberry-dewberry parent from John Lubben’s farm. In 1923, Boysen’s berry hybrid was successful.

However, it wasn’t commercially viable.

As the decade neared its end, George M. Darrow from the Department of Agriculture (USDA) started hearing stories about a unique berry grown on Boysen’s farm. Darrow then asked Walter Knott, a farmer and known berry expert, for help.

Darrow and Knott discovered that Boysen abandoned his plans to grow boysenberry as a crop, eventually selling his farm after injuring his back due to an accident. Undeterred, both Knott and Darrow went to Boysen’s old farm and recovered some frail berry vines that survived in a field full of weeds.

The boysenberry vines were transplanted and cared for at Knott’s farm. The Knott family restaurant and pie business eventually turned into what is now known as Knott’s Berry Farm in Buena Park, California. The park flourished thanks to the berry’s popularity.

Knott is considered as the first person to commercially cultivate the berry in Southern California. He first started selling it in 1932 at a farm stand and he named the fruit after Boysen.

The boysenberry has a “uniquely rich, juicy, tart and sweet flavor” because of its unique history. With a tangy flavor similar to wine, boysenberries also boast of a lusciousness that comes from three native blackberry species. The floral aroma and sweetness of boysenberry come from the raspberry.

When buying boysenberries, look for fruits that aren’t bruised at farmers’ markets. Note that underripe berries are reddish and very tart. Look for boysenberries that are darker in color.

When making jams, pies and sauces, you’ll need boysenberries that are both sweet and tart.

Health benefits of boysenberries

Boysenberries contain various vitamins and minerals like:

– Calcium

– Copper

– Folate

– Iron

– Magnesium

– Manganese

– Phosphorus

– Potassium

– Protein

Vitamin A

– Vitamin B1

– Vitamin B2

– Vitamin B3

– Vitamin B5

– Vitamin B6

– Vitamin C

– Vitamin E Zinc

Boysenberries also contain vitamin K that can help prevent kidney stones. Additionally, the vitamin is good for your bone health and can help lower osteoporosis risk.

The vitamin C and vitamin A in the berries may help prevent and treat vision-related disorders.

Detailed below are six reasons to incorporate boysenberries into a balanced diet.

It can boost digestive health

Boysenberries are used to treat digestive issues like constipation. They’re also full of dietary fiber that can make it easier to manage bowel movements.

It can help regulate your blood pressure and triglyceride levels

Boysenberries promote better heart health because they are full of the antioxidant vitamin C.

The superfood also has an impressive potassium-sodium ratio, with 183 mg of potassium and 1.3 mg of sodium. Because of these nutrients, boysenberries help relax blood vessels and lowers your risk of developing high blood pressure.

In an animal study, scientists discovered that the polyphenolic compounds in boysenberry juice can help “boost nitric oxide concentration through the aortic endothelial nitric oxide synthase activation” in hypertensive rat subjects. This means boysenberry can boost heart health and lower your blood pressure.

In another study, results suggested that the polyphenols in boysenberry juice can help inhibit plasma triglyceride absorption levels in animal subjects.

It can boost immune health and prevent cancer

Boysenberries have potent anti-inflammatory properties that can help boost your immune health and protect you from different types of cancer, like malignant esophageal and colorectal tumors.

The berries contain vitamin C, which can help your fight infections and get rid of cancer-causing free radicals. Natural News.

If the virus actually existed

by Jon Rappoport

 

…and it doesn’t…

 

There would be no way to stop it.

It would have spread so far and so deep…

The only answer would be: LIVE THROUGH IT.

Period.

Have a look at the open borders of the US. Have a look at the packed football stands every weekend across the US. Have a look at Israel, where lockdowns and high vaccination rates have failed to stop the progression of cases. Of course, those cases are nothing more than false positive tests. Nevertheless, you get the idea.

The very concept of a virus and its spread implies: UNSTOPPABLE.

The war against the virus was always a losing idea. And it was never that war anyway. It was always a war against the people and against freedom.

The planners calculated that freedom had withered to such an advanced degree that it would be possible to take away what was left of it.

The war against the virus is very much like the war against freedom of speech, aka censorship. Governments are never going to be able to stop the flow of independent ideas. The seal is never air-tight.

Of course, as I’ve been proving for the past year, the virus doesn’t exist. It’s a fantasy. It’s the ghost in the dark closet at night, when the child is lying in bed thinking that random noises are a threat to his safety.

A well-known scientist with impressive mainstream credentials recently confided to me that he believes the virus (which he accepts as real) will eventually infect everyone. EVERYONE. Therefore…

There is nothing to be done. LIVE WITH IT. LIVE THROUGH IT.

Even the false premise that the virus exists implies the continuation of freedom.

The notion that a war against a virus can be won is on the level of the notion that a war against the natural flow of air on the planet can be won.

Nations that have fought a relatively mild battle against the virus—Sweden, Denmark, and Norway—have officially stated they’re ending that battle. Why? Because only small numbers of people are becoming ill. Those numbers mirror the recent years before the pandemic was declared.

In those countries, the nightmare of the ghost in the closet is over, for now.

The leading pornographer of fear in the US, Anthony Fauci, is still turning out his little movies. Every week, he “adjusts the data,” in order to bolster his claims. And every week, his sales force of media personnel put him on television to spread the message:

OBEDIENCE IS VICTORY

Fauci is the envy of sadists everywhere.

For the past year and a half, he has been the de facto president of the United States.

His style reflects the decades-long machinations of the CIA: invent endless enemies, and then attack them. All for the purpose of establishing CONTROL.

On some nights, while I’m asleep, a part of my mind that operates on entirely conventional premises calculates the odds in the war against the virus. It spins, all on its own, fragmented scenarios: the infection rate, the degree and extent of lockdowns, the barriers against the virus created by masks, the vaccinated vs. the unvaccinated, and so on. That ridiculous piece of my mind is a cameo Pentagon.

As I wake up, I realize the fantastical nature of these wartime calculations. I see them clearly for what they signify. A rooting interest, no more meaningful than sitting on the sidelines watching a contest of tiddlywinks, with a bet of a few pennies riding on the outcome.

It’s instructive to have these dreams. They convey an insane fool’s errand.

If the virus existed, there would be no way to stop it. Since it doesn’t exist, there is no “it” to stop.

However, the war against freedom is an entirely different matter. It has always existed, and it always will.

There are certain men who have lost their own vivid life-breathing creative freedom, and they have chosen, as their only substitute, the path of destroying freedom wherever they find it.

They are the virus.

(Jon Rappoport, an investigative reporter, is the author of three explosive collections, The Matrix Revealed, Exit From The Matrix, and Power Outside The Matrix.)

Russian navy foils pirate attack on Panamanian ship off West Africa

by the El Reportero‘s wire services

 

Russia’s navy has foiled an attempt by pirates to hijack a Panama-registered container ship off West Africa, the Russian defence ministry has said.

The MSC Lucia was en route to Cameroon from Togo when it sent out a distress call on Monday that was picked up the Russian destroyer Vice-Admiral Kulakov.

A unit of Russian marines were dispatched by helicopter to the Lucia’s aid, the defence ministry statement said.

The pirates immediately fled, allowing the marines to free the ship’s crew.

Photos of the mission were posted by the defence ministry on Facebook:

The Russian destroyer was patrolling the Gulf of Guinea as part of international efforts to improve security there.

The waters off West Africa’s oil-rich coastline have been some of the most dangerous in the world for shipping in recent years.

 

Ecuador president calls for dialogue with Indigenous protesters

Dozens of people arrested during demonstrations and highway blockades to protest against rising fuel prices

Indigenous and rural Ecuadorans have blocked roads in several provinces on the second day of protests against rising fuel prices amid a state of emergency as the president called for dialogue.

Ecuador’s President Guillermo Lasso, a conservative ex-banker who took office in May, on Wednesday said his government would keep security forces on highways to maintain order.

Last Friday, Lasso announced a 12 percent increase in fuel prices, which have nearly doubled since last year, bringing the price of diesel to $1.90 a gallon ($0.50 a litre) and $2.55 a gallon ($0.67 a litre) for petrol, setting off the largest protests since he took office.

“I call once more for dialogue, for consensus, for thinking of the good of the country and not of personal, party or union interests,” Lasso said on Wednesday during a military ceremony. “In these moments of economic recovery, it’s time to be united.”

Demonstrators argue the increased cost falls unfairly on regular citizens already struggling economically because of the COVID-19 pandemic.

The Ecuador Confederation of Indigenous Nations (CONAIE), the group who called the protests, wants fuel prices capped at $1.50 a gallon ($0.39 a litre) for diesel and $2 a gallon ($0.53 litre) for petrol.

“The government has messed up, pushing fuel prices up all the time,” protester Dennis Viteri, a 28-year-old textile worker told AFP on Wednesday at a blockade northeast of the capital Quito.

Viteri and others used soil, tree trunks and burning tyres to block a portion of the Pan-American highway which connects Quito with Colombia

Demonstrators have disrupted traffic in at least five of Ecuador’s 24 provinces.

Security forces fail to prevent 2,000-strong migrant caravan heading north from Tapachula

Police in riot gear were unable to stop the crowd from overcoming a police line

 

by Ben Wein

 

A large migrant caravan is heading north after leaving Tapachula, Chiapas, where National Guard troops in riot gear were unable to stop it despite a blockade across the highway on Saturday.

As many as 2,000 migrants set off from Bicentenario Park in Tapachula at around 7 a.m. and marched north up the main highway. The National Guard attempted to block their path near the town of Viva México but the front of the caravan charged the police line and, amid chaotic scenes, crowds of people ran past the authorities, who were unable to deter the surge.

By Sunday night the caravan had arrived in Huehuetán, having met no serious attempt to stop it, though immigration officials, National Guard officers, the army and the navy were seen traveling on the highway.

The majority of the migrants are from Central America. Pregnant women, seniors, one person in a wheelchair and many families pushing strollers with young children are among the convoy. Many said they had asylum claims or that the living conditions in their countries were intolerable. The caravan’s leader, Mexican-U.S. activist Irineo Mújica of Pueblos Sin Fronteras, or Peoples Without Borders, said the goal of the march was to travel to Mexico City, but many migrants said they were committed to reaching the United States.

The convoy’s first major milestone is Huixtla, about 40 kilometers north of Tapachula. Organizers said the success of the march could depend on whether officials try to obstruct the caravan near there. From there, the group plans to move toward the state capital Tuxla Gutiérrez, about 330 kilometers farther north, from which Mexico City is another 840 kilometers.

Most of the migrants are poorly prepared, many wearing unsuitable shoes and walking in extremely hot conditions. They sleep in the warm open air without tents or cover. There is no system for the migrants to be fed and one woman was treated for exhaustion Sunday morning.

The convoy’s leaders are keeping one lane of the three-lane highway open to passing traffic. However, sometimes the migrants stray into the third lane causing traffic to build up behind.

Representatives from the National Human Rights Commission (CNDH) said the caravan was smaller than previous ones, but recognized a considerable presence of pregnant women and children.

Guatemalan, Salvadoran, Honduran, Nicaraguan and Venezuelan are the principal nationalities, but Cubans, Colombians, Ghanaians, Nigerians, a Chinese family, and at least one Panamanian are also part of the convoy.

Haitians, thousands of whom are in Tapachula, have not joined the caravan in large numbers.

The group slept in the small town of Álvaro Obregón Saturday night. The atmosphere was peaceful and local merchants appeared pleased with the sudden increase in business. They spent Sunday night in similar conditions in Estación de Huehuetán, and were well received by locals.

Faith plays an important role in caravans, also known as the “Migrant’s Way of the Cross,” a term that relates to the Catholic pilgrimage tradition. The caravan is spearheaded by a large wooden cross, which is normally carried by Salvadoran Víctor Manolo Contreras. He blamed corrupt Salvadoran governments for mass migration.

“The rich and the politicians are always looking to benefit themselves … we came from 30 years of disgraceful governments. They robbed with their hands full and finished the country,” he said.

Caravan leader Mújica is a devout Catholic and another leader, Mexican Luis García Villagrán of the Center for Human Dignity, is an evangelical Christian.

García said the spirit of the caravan would help it overcome obstructions in a speech on Saturday night. “There are more than 1,000 men, young men, we are more than them … They [security forces] try to look the part with a uniform and a helmet. But we are guided by our hearts, we are guided by necessity, we are here to survive,” he said.

Representatives from CNDH and the United Nations High Commissioner for Refugees (UNHCR) are following the caravan in an observational capacity. Officials from the National Immigration Institute (INM) are providing medical assistance. Mexican human rights NGOs and Save the Children are also present.

Tapachula is the modern Casablanca: a city flooded with migrants, desperately awaiting their papers, which may never arrive. Their legal status is increasingly clouded: they have been banned from leaving Tapachula while they await the outcomes of their applications to the government refugee organization Comar and the INM. However, both agencies have buckled under the pressure of migrant influxes leaving undocumented migrants waiting for responses to applications without any reliable time frame.

The INM has not responded to applications for residence for more than two years in some cases, the newspaper El Orbe reported.

Many of the migrants who enter Mexico illegally quickly become well acquainted with the INM, which sends them to the prison-like migrant detention centers that it runs. Their imprisonment is called “rescue” by federal officials.

Mexico News Daily

Focusing on financial health: charting the path toward your next milestone

Parents carrying children piggyback outdoor

Sponsored content from JPMorgan Chase & Co.

 

When was the last time you looked at your bank account balance? According to a survey, over 60% of Americans check their balance at least once a week. This habit, if practiced the right way, can put you on the path to achieving your financial goals.

Whether you’re looking to become financially independent, planning for a long-awaited vacation, or saving for a down payment to buy your first home, it’s important to become aware of the tools and skills available to help make your financial journey as smooth as possible.

Let’s talk about the basics first. Managing your money can be overwhelming, but it doesn’t need to be. Understanding things like budgeting, saving, paying your bills, and even building your credit score are skills that can help you at any stage of life. Even in difficult times, when so many are facing greater uncertainty around finances and job security, understanding core financial skills can be the difference maker.

If you’re unsure of where to begin, how to start making progress, or simply looking to refresh your knowledge, consider the following as you chart a successful path forward and take control of your financial future.

Advice and Tools

JPMorgan Chase’s financial goals hub is a great place to start. Start by picking a goal – save, budget or build credit – and explore advice, offerings and tools that more simply allow you to control your financial future. The Grow Your Savings page, for example, offers an interactive calculator that maps out a timeline to reach savings goals and highlights how the Autosave tool can help you manage a regular savings schedule to stay on track and meet your goals. Other resources, such as budget worksheets, are also available to monitor and track monthly spending, as well as guidance on using the Credit Journey tool to build and protect credit, and background on low-cost checking accounts designed to provide access for anyone who has had trouble getting or keeping an account in the past.

Reserved Capital for Business Owners

Education, reliable support and resources are fundamental first steps to financial literacy, as well as having access to capital. Through JPMorgan Chase’s Entrepreneurs of Color Fund, we’re working to provide more access to capital to future entrepreneurs, existing business owners and communities who have historically struggled to secure it. JPMorgan Chase is also setting aside funds specifically for Black and Hispanic business owners – stop into your local branch and talk with a Chase for Business representative to see if you qualify.

Equitable Home Lending

One way we hope to increase property ownership among Black communities is through our Chase DreaMaker mortgage, which makes applying for your first mortgage or refinancing a current one more attainable with a smaller down payment, and by offering reduced mortgage insurance, more flexibility around your credit score, potential assistance grants and homebuyer education courses.

No matter where you are financially, budgeting and saving are two key habits that can help all of us bounce back from life’s unexpected moments or keep you on track to ensure you meet your goals. That is why JPMorgan Chase is here to help everyone have open conversations about what it means to be financially healthy while providing the support, tools and advice to get there. Financial health is a journey, and we can help you think about a plan for now and the future.

For more resources, information and access to tools that can help you achieve your financial goals and milestones, visit chase.com/personal/financial-goals.

Man and child Riding Bicycle

Unheard, overlooked and exposed: how COVID-19 took a toll on California’s indigenous farmworkers

by Abraham Márquez and Zaydee Sánchez

Palabra

 

Editor’s Note: This article was produced as a project for the USC Annenberg Center for Health Journalism’s 2021 California Fellowship.

Friday, October 15, 2021 – The hour hand strikes 3 am. It is still dark out. Silvia’s cell phone vibrates, and her madrugada, her pre-dawn ringtone, goes off for the first time.

The scene repeats itself every morning for Silvia García, who described how something like muscle memory automatically moves her hand toward the snooze button.

Five more minutes of eye rest, she said, like a morning mantra.

“We are up early because I have to wake my kids up and get them ready for the rest of the day, and also get to the fields,” said García, an indigenous farmworker from Mexico’s Guerrero state.

García works farm fields in California’s Central Valley. After many years of this work, getting up so early is still not easy. She puts in long shifts across six days of the week, in blistering summer heat and winter’s cold. Today, routine body pains and soreness are the bad fruit of her labor.

García and her husband are farmworkers, and after dropping the kids off at her parent’s house on a recent summer morning, they are harvesting fruit by 4:30 a.m.

García is not alone. Labor statistics say 407,300 workers, mostly Mexican and many undocumented, prepare, maintain and harvest fruit, nuts and vegetables up and down the nation’s richest agricultural state.

But often overlooked in these numbers is a growing population of farmworkers for whom even Spanish is a foreign language. At least 165,000 of California farmworkers are believed to be migrants from indigenous communities in Mexico. The coronavirus pandemic has exposed them to serious gaps in health care. Even before COVID-19, doctors, vaccines and medicine were well out of reach of indigenous migrant workers who live in fear and mistrust on the margins of U.S. society.

A recent study of California’s farm hands revealed that very few migrants of indigenous origin are covered by medical insurance; six of every 10 indigenous migrant women have not visited a doctor in the U.S. Moreover, as one indigenous farmworker said, the sick from his community are more likely to be willing to cross back into Mexico — despite the danger and cost — than face uncertainty and a perceived threat of deportation in California clinics and hospitals.

This inequity comes amid a pandemic that has proved acutely lethal to Latinos in the U.S. One study says it has shaved three years from the average U.S. Latino’s life expectancy.

ONE OBSTACLE AFTER ANOTHER

All this turned García into a health care activist. Despite the fear of exposing her family and being pregnant with her fourth child, she took on a second job, visiting homes of indigenous immigrant laborers to assess their health needs. Yes, migrating to a new life in the United States has offered new opportunities and a better life to García and her family. But it’s come with a price, she said. Much of the same fear and racism her family experienced as indigenous people in Mexico followed them to the U.S. “I don’t want more people like me to experience the same challenges; I want to change that.”

García was born in a small town near Mexico’s southern Pacific Coast. Tlapanec was the first language in her home, even though her parents were reluctant to teach it to her.

“My parents taught me to speak Spanish and not Tlapanec; they didn’t want me to experience the racism my older brother did,” García said in a recent interview with palabra and the Center for Health Care Journalism.

In Guerrero, as in other Mexican states with significant indigenous and Black populations, discrimination in jobs, education, and delivery of social services is rampant. In 2020, the Mexican National Institute of Statistics and Geography released a study, the National Survey on Discrimination, that revealed “24 percent of indigenous people had experienced discrimination and 75.6 percent felt under-valued.” As of 2020, 15 percent of the population in Guerrero spoke a native language, according to a national educational survey, Información de México para niňos.

“The journey through the desert to get here was one of the hardest things I’ve experienced,” García said. She was nine years old when her parents decided to migrate north. After the physical challenge, they arrived in a country where a majority speaks English and the other primary language is Spanish. Her parents didn’t speak English and their Spanish was limited. As a child, she had to become the family translator.

“At first, when I was little, we didn’t go outside a lot or look for (healthcare) services because we were scared of (deportation),” Garciía said.

“I was afraid of putting my family at risk,” said García, who was pregnant with her fourth child and yet decided to add the second job. “I had to change my routine because I was being exposed to people.”

ISOLATED BY LANGUAGE

García is among a population of indigenous farmworkers in California that, according to one study, speak 23 different languages. Most arrived from 13 different Mexican states. More than half speak Mixteco and another 30 percent speak Zapoteco. These are the dominant indigenous languages in the Mexican state of Oaxaca and the country’s south-central region. Tlapaneco, García’s family’s language, is spoken by just under 10 percent of California’s farmworker community.

Diversity in languages poses an obstacle for California officials hoping to extend pandemic health care services into the state’s rural reaches.

“Indigenous farmworkers are at a severe disadvantage when it comes to obtaining health care in California. They access care at rates far below the general population and decidedly lower than other Mexican-origin farmworkers,” according to the indigenous farmworker study. A telling statistic: While 86 percent of women in California have seen a doctor, the number drops to 75 percent of women farmworkers, and then to 62 percent among indigenous women.

The indigenous population is one of the poorest in California and is routinely under-represented in U.S. health care, according to the farmworkers study.

“Only nine percent of indigenous Mexican interviewees were covered (by health insurance) and nineteen percent of their spouses,” the study said. Health insurance covers 31 percent of the non-indigenous farmworker population, and their children are more likely to have some type of coverage if they were born in the United States. If a family lives below the poverty line, publicly funded healthcare programs are available.

THE PANDEMIC THREAT

Even before COVID-19, to reduce the family’s exposure to pesticides, many workers followed routines of showering and washing clothes right after their shifts. Yet 90 percent of farmworkers have altered their after-work behavior: they change out of work clothes and shoes before entering the home, according to the COVID-19 Farmworker Study conducted by a coalition of researchers.

It’s evidence that farmworkers recognize their vulnerability in the pandemic. That said, García added, most indigenous migrants — herself included — are hesitant to talk about the pandemic’s impact on their mental health.

“I keep saying I am fine, that I am okay because I have no choice but to work and provide for my family,” García said.

The National Center for Farmworkers Health insists that greater cultural understanding of indigenous farmworkers is needed in order to address their mental health needs. In a study the center found that, “Numerous culture-bound illnesses that are widely acknowledged, including susto, nervios, mal de ojo, empacho, coraje, and ataques de nervios” — trauma and maladies like eye infections and gastritis.

While deep studies of farmworker mental health are rare, California data does provide evidence that at least one of every five “farmworkers have a history of major psychiatric disorder.”

“Working the fields and raising a family, I work from 3 a.m. to 8 p.m. I don’t have time to seek therapy,” García said, even as she acknowledged the benefit of getting help.

Others are starting to open up as well, at least privately, García said. In her home visits, workers talk about the anxiety, stress, and fear that are part of their daily lives because of the fear of deportation. The pandemic has worsened their outlook, she said, as indigenous migrants now also fear infection and job loss.

LANGUAGE AS A HEALTHCARE OBSTACLE

The variety of indigenous languages spoken in California’s farm fields reflects the diversity of Mexico’s indigenous people. There they speak 68 officially recognized native languages which in turn are subdivided into more than 350 linguistic variants.

For decades, indigenous people from Mexico have migrated north to find work and a path out of poverty. Along the way, though, they face cultural and linguistic obstacles that hinder access to health care. A large number come from remote communities in Mexico and start out on the migrant trail with low understanding of medical terminology and services, and the bureaucracies that frame health care. Women are hesitant to speak to male doctors and nurses, especially about reproduction and sexuality.

Because of mistrust and the high cost of uninsured health care in California, many migrant workers seek services in Mexico. Even the undocumented will go to doctors in Tijuana and risk dangerous and expensive crossings back into the United States.

“When they get seriously ill, they go to Mexico, and afterward they brave the border to get back. Few use the medical services (in California),” said a 36-year old Triqui farmworker in the Salinas Valley.

Not even 19 months of a pandemic have stemmed a reluctance made worse by a fear that law enforcement will discover them. People with no representation or legal status have avoided hospitals during the pandemic “out of fear that their information might be released to ICE,” said Ismael Castro, a project manager at Building Healthy Communities organization in the Boyle Heights neighborhood of Los Angeles.

Despite the best intentions of some lawmakers and activists, there are not enough indigenous language interpreters.

“Interpreting is always required under state and federal law, that also includes Indigenous language interpreters too,” said Marisa Lundin, legal director of the California Rural Legal Assistance organization.

California’s Central Coast farmlands, around Ventura, lead the state in hiring indigenous-language interpreters, mostly Mixteco speaking, reflecting the local farmworker population. But even there, few services exist for Zapotec and Triqui speakers, the second and third most common languages in the fields.

Elsewhere, compliance with the medical interpreter rule is hard to find. From the fields where Garcií works, near Kingsburg, the nearest hospital or emergency clinic is 12 miles away. No one there speaks Tlapaneco, and they don’t have translators on stand-by. Staff at the facility said that with some lead time, they can find a Mixteco translator. This gap can cause critical delays in emergencies.

More often, hospitals rely on patients to bring someone who can translate, even a child. This is risky, experts said, as it can lead to misunderstandings of technical terms and procedures.

COVID-19 AND VACCINE INFORMATION

Garcií said that because of the language barrier, indigenous farmworkers are not well informed about professional health care clinics and frequently don’t know where to go when they are ill. This is no fault of their own, she said. And, farmers are not held responsible for providing such information. In 2020, this dynamic became an acute concern. Early in the pandemic, death rates were high in urban communities. But the pattern reversed, and rural areas have seen increased death rates.

Death rates show that low-wage workers and immigrant communities are at higher risk of infection and death. Therefore, getting the right information about the virus and vaccines translated into the right language can be life-saving.

Motivated to help her indigenous community, García started working for Centro Binacional Para el Desarrollo Indígena Oaxaqueño. “My schedule was the same; I will show up at 4 am or 5 am at the fields, but (now) to provide them with information about COVID-19 testing and safety measures they can practice,” García said.

The organization turned García into a bridge of information, from mainstream U.S. healthcare to her indigenous community.

What she preaches is the scary reality about COVID-19 and California’s Central Valley. The virus attacks the lungs and respiratory system, and the valley’s air is notoriously laden with pesticides, dust and petrochemical pollution. A region that stretches from Bakersfield to Stockton ranks amongst the highest in California for asthma and asthma-related hospitalizations.

García’s advocacy with the United Farm Workers Foundation has also been a channel for her drive to educate migrants about free essential services, such as not having to pay a fee to apply for protection from deportation through the Deferred Action for Childhood Arrivals (DACA), COVID-19 vaccine events, food-distribution sites, and even masks and hand sanitizers.

ONE DEATH TOO MANY

Last June, 39-year old Guillermo Gomez, a farmworker in rural Orange Cove and the sole provider for his family, drove himself to a hospital when he had trouble breathing. Doctors told him he’d be home in three days. But then he was intubated. And after a six-week battle with the coronavirus, he died, leaving behind his son William, and wife, who is also a cancer survivor.

Gomez’s death is just one among the many tragedies that have struck essential worker communities across the United States. University of Purdue researchers say “about 9,000 agricultural workers in the U.S. have died of COVID-19 and nearly a half-million have been infected.”

Structural inequalities in U.S. healthcare and economic systems increase the risk of exposure and mortality for farmworkers. They believe they cannot miss work. And unlike most other laborers, farmworkers don’t have comprehensive workplace rights. For example they don’t automatically get sick pay or vacation time. If they have to take time off, it’s often money out of their pocket.

The coronavirus has cut life expectancy for everyone in the United States. But for Black and Latino populations it now means three to four years shorter life spans than for white people.

California does not collect data on recipients’ occupations, so it is unclear how many farmworkers have been vaccinated. However, throughout Central Valley’s fields, mobile vaccination clinics can be found. In addition, the UFW Foundation hosts vaccination events each month.

“In the early stages, we were struggling with getting farmworkers vaccinated,” said Jorge Medrano, an organizer with the UFW Foundation. “Once we were able to get testimonies from some indigenous farmworkers that got vaccinated, that helped us a lot, they were able to talk to their own community.” It takes time, patience, and empathy, Medrano added, to build trust with the indigenous community.

FROM FARMWORKER TO ACTIVIST

“We took the streets and marched in Washington, D.C. and chanted so that Congress could hear us,” García said, recalling the UFW protest she joined this fall in Washington, D.C.

The march was in support of the Farm Workforce Modernization Act, which would provide undocumented farmworkers and their families clearer paths to citizenship.

The bill, passed by the U.S. House of Representatives but stalled in the Senate, is fuel for García’s activism.

“I am driving to Bakersfield and other areas to help with translating vaccine and health care information into Tlapanec and Nahuatl,” García said.

Legalization is needed to help overcome the farm industry’s chronic complacency about the health and well-being of the workers it relies on, García said. Ultimately, she added, healthcare information should be available in all languages to avoid confusion.

Companies that own the fields do not provide information on where workers can access health care services or vaccine information. She said that’s an injustice, and it has her determined to start a new organization to provide all manner of information, but especially about health care, to indigenous-language communities.

“If we educate more people in their language about health care services, the virus, and the vaccine, we can save lives,” García said.

Abraham Marquez and Zaydee Sanchez reported this story while participating in the USC Annenberg Center for Health Journalism‘s 2021 California Fellowship.

[This article was originally published by Palabra].