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Response from the Government of Tabarnia to the statement from the Excellency President Dr. Claudia Sheinbaum

Claudia Sheinbaum
Marvin Ramírez, editor

EDITOR’S NOTE:

Dear readers, this article is crucial in combating the extremists who distort the history of the Conquest. They have fostered resentment towards our Spanish brothers, almost turning it into hatred. It is vital to remember the truth of what happened, as history is full of nuances that deserve recognition. Vale, Marvin Ramírez.

Dear President Dr. Claudia Sheinbaum, we would like to clarify a few points:

No, Tenochtitlan was not founded almost two centuries ago; Tenochtitlan is approximately seven centuries old. It is at least surprising that we have to explain this from Spain to an entire president of Mexico.

In 1839, the highest authorities of Mexico and Spain signed a treaty of peace and friendship, swearing to forget forever any grievances between the two countries. You are not only being untruthful in your statement, but you are also breaking the promise made by the Government of Mexico at that time.

When Spain left Mexico, this country was much larger, richer, and more populated than the United States. The current situation in Mexico is in no way the responsibility of the Kingdom of Spain.

Mexico was not of Spain; it was Spain. Mexico was never a colony; it was a viceroyalty and very advanced for its time. For example, the University of Mexico was founded in 1551, almost a century before the first university in the United States. Spain also founded the first university in the Americas (Santo Domingo, 1538) and the first university in Asia (San Ignacio in Manila, 1590), as well as dozens of universities across the continent where both Spaniards and indigenous people could study without distinction. In fact, at the University of Salamanca in 1556, there was even a black professor.

Marriage between Spaniards and indigenous people was legal from the very beginning of the conquest. To make a comparison: in the United States, interracial marriage was not legal in all states until 1967. It is questionable for England, the United States, or the Excellency President Dr. Claudia Sheinbaum to give us lessons regarding the treatment of indigenous people.

The most optimistic estimates say that only 1.5 percent of the attackers in the final assault on Tenochtitlan were Spaniards. The rest were indigenous peoples allied with the Spaniards who had been massacred by the Mexicas for decades. It is well-known and recognized that the Spaniards wanted to preserve the city while their indigenous allies tried to raze it to the ground. It is very bold of you to speak on their behalf, President Sheinbaum, just as it is of López Obrador, who has no indigenous ancestry but does have a grandfather from Santander (Spain) and a grandmother who is the daughter of Asturians.

After the conquest of Mexico, several direct descendants of Isabel Moctezuma, daughter of Moctezuma II, moved to Spain. Many of them received noble titles in recognition of their lineage. They were received with respect and all honors. Today, more than 350 descendants of Moctezuma live in Spain. They have already “forgiven” Spain for everything they had to “forgive” centuries ago.

The most reputable historians and archaeologists have proven beyond a reasonable doubt that the flowery wars were basically genocides, not to mention cannibalism and pedophilia, which were common practices in the pre-Hispanic period. It is estimated that more than 50,000 people were sacrificed at the main temple of Tenochtitlan. In fact, hundreds of skulls from child sacrifices have been found in Tzompantli in Mexico City. Andrés de Tapia, a Spanish soldier who accompanied Cortés in the conquest of Mexico in 1521, spoke of seeing a gigantic tower made entirely of the heads of men, women, and children who were sacrificed. In 2015, this tower was found in the temple of Huey Tzompantli in Mexico City. This is just one example of a brutality that has been silenced for centuries and for which no one has ever asked for forgiveness. Although honestly, we are not sure who should be asking for forgiveness, to whom, and for what. Do you see the absurdity of this?

Mexico cannot apologize to Spain for the conquest of Mexico for the simple reason that Spain and Mexico did not exist 500 years ago. Be that as it may, the descendants of the Spanish conquerors are not the Spaniards living in Spain; they are the Mexicans living in Mexico. It sounds ridiculous to have to explain something so obvious.

Since the independence of Mexico, we all know the treatment that indigenous people and indigenous languages have received. The living conditions, rights, and proportion of speakers of indigenous peoples were infinitely greater then than they are now. Do not blame the Spaniards in 2024 for this.

We believe that the request for an apology from the Mexican government to the King of Spain is nothing more than a smokescreen to divert attention from more important issues. For example, in the last 10 years, an average of between 40,000 and 50,000 people are murdered in Mexico each year (and rising). Just to compare, in Spain during the same period, there are fewer than 300 murders per year (and falling). During López Obrador’s government, from December 1, 2018, to September 24, 2024, approximately 198,640 murders have been recorded.

For all the above, we support the Spanish Government’s decision not to send any representative to the inauguration of Claudia Sheinbaum, and we suggest to all Spaniards and to all neighbors and allies of the European Union that they consider choosing other destinations for their vacations and investments in the coming years if this woman remains in government in Mexico. It is unfortunate that a brotherly people like the Mexicans allow their president to humiliate the head of the Spanish State in this way, a friendly and allied country.

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Melania’s pro-abortion memoir reveals the courage of Donald Trump’s pro-life presidency 

As president, Donald Trump took bold action for the unborn that resulted in the overturning of Roe v. Wade. The fact that his policy positions conflicted with his wife’s beliefs makes his stand even more courageous

by R. Timothy McCrum

Readers were no doubt dismayed to discover the pro-abortion views of Melania Trump, expected to be published soon in her upcoming autobiography. According to the memoir excerpts, first leaked by the U.K.’s Guardian, Melania has held strong pro-abortion views throughout her “entire adult life,” and she believes that it is a “fundamental right” of a woman to “terminate her pregnancy if she wishes.” But is this evidence Donald Trump himself was never pro-life?

A quick review of the bold actions of President Donald J. Trump demonstrates that Melania’s views on the issue of abortion are not his views. Melania said as much herself in a recent interview. After defending her pro-abortion views, Melania insisted that her husband “has different beliefs.”

Indeed, with the unexpected release of Melania’s apparently longstanding abortion boosterism, it is more remarkable that President Trump’s courageous actions in office so greatly advanced the pro-life cause, establishing him as the most pro-life president in U.S. history. Yes, readers may have also been disturbed by some of Trump’s recent statements, but they must be seen in the context of what he has done for the unborn.

President Trump campaigned openly as a pro-life presidential candidate in 2016. In his debate with Hillary Clinton, he unflinchingly declared that the gruesome practices of late-term, partial-birth abortion were “not okay” with him, whereas Hillary passionately defended women’s so-called “right” to obtain abortions without any government restrictions.

After his election, President Trump became the first U.S. president to make a special appearance and speak during the March for Life in the nation’s capital. Yes, that is correct: President Reagan never did so in his eight years in office, nor did Presidents George H.W. Bush and George W. Bush in their combined 12 years in office. And the National March for Life had taken place every January since 1973.

When President Trump participated in the 2020 March for Life, he spoke about the “eternal truth” that “every child is a precious and sacred gift from God.” He added that “unborn children have never had a stronger defender in the White House.” He strongly opposed the Democrat views supporting “taxpayer-funded abortion all the way up until the moment of birth.” Finally, he declared, “every human life, born and unborn, is made in the holy image of Almighty God.”

Most importantly, in the 2016 campaign, Donald Trump promised to select any future Supreme Court appointments from a list of prominent judges with a track record of following the U.S. Constitution from an originalist perspective, following the plain text and historical context of the Constitution. Notably, the word abortion is not mentioned in the Constitution, though the murderous practice has existed as far back as antiquity. Then, during his presidential term, he filled three successive Supreme Court vacancies with the more originalist Justices Neil Gorsuch, Brett Kavanaugh and Amy Coney Barrett, who have largely shown fidelity to our Constitution, as President Trump had promised.

These bold actions by President Trump resulted in the U.S. Supreme Court overruling Roe v. Wade on June 24, 2022 – an event most pro-lifers wondered if they would ever see in their lifetimes. Thank you, President Trump! Thank you, Justices Samuel Alito, Clarence Thomas, Gorsuch, Kavanaugh, and Barrett!

The abortion issue now can be decided by the people at the level of our states, and our church pastors and pro-life organizations are free to actively persuade the people to follow the truths of the pro-life positions. We can even hope to persuade Melania Trump! But that conservative majority in the U.S. Supreme Court is truly on the line in this 2024 election, along with the rest of the future judicial vacancies in the lower federal courts.

Now we have learned that as President Trump carried out this landmark fight, it seems that he did not have his beloved wife, Melania, at his side on this issue. He was advocating for major policy positions which conflicted with his own wife’s strongly-held personal views – and she is reportedly the Catholic in the family! That, arguably, makes President’s Trump’s bold actions even more courageous. It’s true that it has never been more important than it is now to pray for Donald and Melania Trump, and we also shouldn’t forget to be thankful for the many actions President Trump took to defend unborn children. LifeSiteNews.

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Hugs or bullets? Sheinbaum begins to define her security strategy

by Mexico News Daily

In the first 100 days of the new federal government, President Claudia Sheinbaum’s security strategy will focus on combating violence in Mexico’s 10 deadliest cities, according to a plan seen by media outlets.

Sheinbaum, who was sworn in as Mexico’s first female president last Tuesday, said last week that she would present the government’s National Security Plan this Tuesday.

Ahead of that presentation, The Wall Street Journal (WSJ) and Mexican news website Animal Político reported separately on the government’s security plan for its first 100 days in office, a period that extends until Jan. 8, 2025.

Animal Político reported that the main “emerging strategy” to be implemented by the federal government will focus on reducing crime and violence in the 10 municipalities with the highest homicide rates in the country.

According to official data, those municipalities are Colima city, Tijuana, Acapulco, Celaya, Cajeme, Ciudad Juárez, Tlajomulco de Zúñiga, León and Benito Juárez (Cancún). One-quarter of all murders in Mexico linked to organized crime occur in those cities, where the government will “push to slash killings,” according to the WSJ.

The new security strategy will first be rolled out in six cities in five states: Tijuana (Baja California); León and Celaya (Guanajuato); Acapulco (Guerrero); Benito Juárez (Quintana Roo); and Colima city (Colima).

The Wall Street Journal, which saw a “presentation” outlining the federal government’s security strategy, said that Sheinbaum “is using her first 100 days in office to try to lower homicides and loosen the grip of organized crime groups that control swaths of the country, extort businesses, smuggle drugs and kill with impunity.”

The Journal also reported that the new president is “planning new efforts to combat the smuggling of the deadly drug fentanyl.”

Drug cartels in Mexico manufacture fentanyl with precursor chemicals sourced from China before shipping large quantities of the powerful synthetic opioid to the United States, where tens of thousands of people die from drug overdoses every year.

Sheinbaum revealed last week that combating crime in Mexico’s most violent cities would be a priority, saying that her government was “developing a program for the municipalities that at this moment have the largest number of homicides.”

She has also said that federal and state prosecutors and security forces will increase their coordination in Mexico’s most violent areas.

John Creamer, a former senior U.S. diplomat in Mexico, told the WSJ that “the identification of 10 priority municipalities is very good.”

However, it remains to be seen whether the government will provide adequate funding and security personnel to the task of reducing violence in those municipalities, he said.

The government’s security strategy will be led by Security Minister Omar García Harfuch, who served as Mexico City security minister while Sheinbaum was mayor of the capital.

Homicide numbers almost halved during Sheinbaum’s mayorship, according to official data.

President inherits a complicated security situation 

Homicide numbers declined in the latter half of Andrés Manuel López Obrador’s six-year term as president, but remain very high. According to data published by the national statistics agency INEGI in August, there were 31,062 homicides in 2023, a 6.7% decline compared to the previous year.

Mexico’s five most violent states in 2023 in terms of total homicides were Guanajuato, México state, Baja California, Chihuahua and Michoacán. The sixth most violent state last year was Guerrero, where the mayor of Chilpancingo, the capital, was murdered on Sunday just six days after he was sworn in.

The WSJ said that Sheinbaum’s security plan includes a focus on Guanajuato, “which has the highest rate of organized-crime killings of any Mexican state.”

“Located in central Mexico, the state is a battleground for the lucrative black-market fuel controlled by the Jalisco cartel, one of Mexico’s most powerful organized crime groups, and the local Santa Rosa de Lima gang,” the Journal said.

Sheinbaum also faces precarious security situations in other states, including Sinaloa, where a war between the “Los Chapitos” and “Los Mayos” factions of the Sinaloa Cartel has intensified in recent weeks, and Chiapas, where the Sinaloa Cartel is fighting the Jalisco New Generation Cartel in the border region of the southern state.

Animal Político, which reported on a document entitled “Security Strategy for the First 100 Days,” and The WSJ said that Chiapas is also a focus of the government’s plan.

In the state, where six migrants were killed by the Mexican army on the day Sheinbaum was sworn in, the new government plans to “carry out operational tasks” and implement programs “focused on attention to the causes [of crime],” Animal Político said.

The WSJ said that “another city getting the new government’s attention is Culiacán,” the capital of Sinaloa.

However, the Journal didn’t detail any specific security plans for the city where the fighting between the rival Sinaloa Cartel factions has been centered.

In Michoacán, “Sheinbaum’s plan calls for the government to end the extortion in the lime industry,” the newspaper said, noting that “a dozen gangs prey on growers, packers and distributors.”

Animal Político said that the government’s efforts in the state will focus on the municipalities of Nueva Italia, Antúnez, Buenavista, Tepalcatepec, Aguililla and Apatzingán.

‘Intensive’ use of intelligence key to security plan 

The WSJ reported that Sheinbaum’s security strategy “calls for the intensive use of intelligence to assess the structure of criminal groups, and finding ways to use police intelligence to make cases at trial.”

For its part, Animal Político said that the new government will aim to “strengthen the intelligence work of the country’s main intelligence institutions.”

An ‘alternative’ security cabinet to be created 

Animal Político also reported that the federal government will create an “alternative” security cabinet made up of officials from the Finance Ministry’s Financial Intelligence Unit, the Federal Tax Prosecutor’s Office, the state oil company Pemex, the federal tax agency SAT, and other government entities focused on combating the illicit financing of crime and money laundering.

The government’s primary security cabinet is made up of the president, the security minister, the interior minister and other officials. It meets daily at 6 a.m. to assess the prevailing security situation across Mexico and determine what specific strategies and resources are required to remedy problems.

Animal Político said that the government will also have a specific security strategy for the nation’s highways, on which truck robberies and hijackings are a major problem.

The WSJ said that Sheinbaum’s security plan “envisions a greater role for the federal government, with its national-security cabinet vetting state security chiefs appointed by governors.”

“The federal government would also establish nationwide standards for Mexico’s 32 state-police forces, state prosecutors and prison systems,” the Journal said.

Will Sheinbaum’s security strategy be a success? 

While the answer to that question won’t come immediately, history suggests that curtailing violence in any significant way will be no easy feat.

López Obrador’s six-year term in office was the most violent on record in terms of homicides, with close to 200,000 murders.

Homicides increased sharply in Mexico after former president Felipe Calderón (2006-12) launched a militarized war on drug cartels. They continued to go up during the six-year term of Enrique Peña Nieto (2012-18).

The WSJ reported that “for decades, every Mexican president has made targeting the country’s transnational criminal organizations a priority, but these gangs have proved resilient to efforts to dislodge them from lucrative drug smuggling amid endemic corruption.”

“… Conservative president Felipe Calderón declared war on the cartels, ushering in a period of violent conflict between gangs and government forces, while Sheinbaum’s mentor, former nationalist president Andrés Manuel López Obrador, tried a softer approach dubbed ‘hugs not bullets.’ Neither worked,” the newspaper said.

Sheinbaum, who was mayor of Mexico City between late 2018 and mid 2023, is committed to continuing López Obrador’s strategy, which favored addressing the root causes of crime through government welfare and social programs over combating criminals with force.

The new president and García Harfuch will be hoping they can replicate the success they had in the capital, where homicides declined to 747 in 2022 from 1469 in 2018, a 49% reduction.

García, the WSJ reported, “worked closely with U.S. law-enforcement agencies and boosted intelligence gathering, police training and salaries,” during his tenure as security minister in Mexico City.

“U.S. officials say they expect security cooperation to increase in a Sheinbaum presidency,” the newspaper added.

Although López Obrador made combating impunity a priority for his government, the vast majority of serious crimes committed in Mexico, including homicides, still go unpunished.

Reducing impunity rates will be another major challenge for Sheinbaum, who will serve a six-year term that concludes in 2030.

With reports from The Wall Street Journal and Animal Político.

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Immigration misinformation targets decisive U.S. Latino vote

by Selen Ozturk

If not countered, misinformation targeting immigrants and Latinos will be make-or-break this election year

If not countered, misinformation targeting immigrants and Latinos will be make-or-break this election year.

Although the political use of immigration as a scapegoat for hate is nothing new, the Latino vote — the largest-growing U.S. voter demographic, with currently 36.2 million Latinos representing 15 percent of all eligible voters — able to decide elections in large states like California, Texas and Florida, and swing states like Nevada, Arizona, Georgia, Wisconsin and North Carolina.

At a Thursday, September 26 panel held by CALÓ News and the Latino Media Collaborative, ethnic media leaders explained the trending misinformation tactics used to undermine electoral trust among Latinos, and discussed ways to fight this misinformation.

‘Undermining the voice of a decisive vote’

“Millions of immigrants are living quietly in harmony with native-born residents. We’re neighbors, co-workers and friends, and we’re caring for each other across racial, ethnic and bipartisan lines — yet we rarely see those stories on the front page,” said Jessica González, co-CEO of Free Press.

“Instead, we see stories that exploit and demonize immigrants. We see the lie that non-citizen immigrants are voting in droves, fabrications about Haitian immigrants, false claims such as that the U.S. election will be extended this year,” she continued. “The intent is to scare voters of color from the polls, to pander to anti-immigrant sentiment by stirring up fear … and to legitimize authoritarian power-grabs by sowing distrust in our electoral process.”

A 2024 Free Press poll of 3,000 Americans found that 79 percent were “concerned that the information they see online is fake, false or a deliberate attempt to confuse people,” while 76 percent were concerned about 2024 presidential election misinformation.

“I became politically active organizing 10,000 students to march out of LAUSD schools during the ’90s in California’s Prop 187 era,” said Jennie Carreón, principal of public affairs firm Carreón Group. “It’s hard to believe that it passed. It denied undocumented immigrants access to public education and social services, and it also required police to report and verify the immigration status of all individuals.”

“Thankfully, Prop 187 was struck down by the courts, but 30 years later, here we are hearing the same anti-immigration stories, but this time it’s at a national level,” she added. “Latino voter misinformation is undermining the voice of a decisive vote in 2024 … and we need to show its impact in a digestible way, so that a generation of new voters doesn’t feel so apprehensive.”

Trending misinformation

“These messages with the purpose of creating hate and fear are no longer just about undocumented immigrants. We’re now seeing attacks on legal immigrants — such as DACA and other legal pathway programs, and recently the Springfield, Ohio Haitian community, most of whom had Temporary Protected Status,” said Vanessa Cárdenas, executive director of America’s Voice.

In tracking media coverage of immigration reform, America’s Voice found two common ideas behind these attacks, she explained, the first being a “replacement theory … that immigrants are here to replace ‘real’ Americans and ineligible immigrants are going to vote in our election, seeding doubt as to whether we can trust the outcome.”

State-led investigations by Republican and Democratic officials, news organizations, law enforcement and universities have found that noncitizen voting is extraordinarily rare.

For instance, a 2016 Brennan Center survey of 44 election administrators overseeing 23.5 million votes across 42 states saw 30 incidents of suspected noncitizen voting — or .0001 percent of all votes.

A state-led audit of 1.1 million ballots in Nevada that same year identified three noncitizens who had voted, amounting to .0003 percent of all votes.

A 2020 state investigation in Ohio referred 104 cases of alleged noncitizen voter registration and 13 cases of alleged noncitizen voting for prosecution; because the latter would amount to .00016 percent of all votes, Ohio’s own secretary of state said“voter fraud is exceedingly rare.”

The second idea behind trending misinformation “pits Latinos who’ve been in the U.S. for generations against new migrants … through a notion of scarcity, crime and racial tensions, particularly in communities in blue cities, like New York, where migrants were sent from Texas,” Cárdenas explained. “These narratives are setting the stage for the idea that it is okay to deport people en masse because these folks are not desirable, not American.”

Economists estimate that a mass deportation of undocumented immigrants, of the kind proposed by Donald Trump’s 2024 presidential campaign, would entail economic losses between $711 billion and $1.7 trillion, at 2023 levels.

Given a removal of 11 million people, this would entail a shrinking of the U.S. economy between 2.6 percent and 6 percent.

“The reason why so many undocumented immigrants are coming to the U.S. is because the U.S. has destabilized their economy and governments,” added Anshantia Oso, senior director of Black history project Media 2070. “U.S. foreign policy is a pull factor for immigrants to come to the U.S., and our political candidates are manipulating ideas of scarcity to keep the population scared and divided.”

Fighting misinformation

“In having conversation with folks who may be repeating this misinformation, it’s important to understand what their concerns actually are,” Oso continued. “Often, political rhetoric plays on valid concerns around housing, jobs or finances … and it’s not about being anti-immigrant, but having a government that’s actually going to work for us. We need to speak to those concerns and point towards actual solutions.”

A demographically representative Harvard Kennedy School poll found that 49 percent of Americans were exposed to some form of misinformation intervention, like social media fact-checking.

However, these interventions triggered significantly polarized responses between Democrats, who supported the intervention overall, and Republicans, who opposed content evaluation on the grounds that it was biased.

“One approach to countering disinformation is not getting bogged down in tackling specific claims, but rather exposing their motives of division,” said Roberta Braga, founder and executive director of Digital Democracy Institute of the Americas (DDIA).

“We don’t have to correct the record on every single thing we see. Instead, we should focus on changing the conversation by telling real stories about the impact of deportation policies,” she continued, “and by telling stories about what a functional migration system would look like by telling immigrant success stories.”

“The issue is that fighting misinformation doesn’t work the same way for everyone,” said Braga. “Someone who believes one in 15 lies may need a fact check, but someone who believes 14 out of 15 lies, that’s not what they’ll respond to. Beyond content-oriented factors, we need to consider the real day-to-day concerns that people have.”

A June 2024 DDIA poll found that most Latinos targeted by misinformation don’t outright believe it. Among the 3,000 Latino adults polled, 62 percent were either unsure of, or rejected, media misinformation claims.

Although the DDIA findings, like the Harvard Kennedy School poll, saw consistent correlation of Republican party affiliation with “lower levels of trust and confidence that one’s vote will count,” low trust in the system wasn’t correlated with voter turnout for Latinos.

In other words, many Latinos less likely to perceive their vote to matter would still vote despite this ambivalence.

“There’s a large group of Latino voters out there that are undecided or ambivalent, and I think that’s where we should be spending most of our time sharing our information and ideas,” Cárdenas said. “These are people that we could really move to our side.”

This resource is supported in whole or in part by funding provided by the State of California, administered by the California State Library in partnership with the California Department of Social Services and the California Commission on Asian and Pacific Islander American Affairs as part of the Stop the Hate program. To report a hate incident or hate crime and get support, go to CA vs Hate.

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Mortgage rates are dropping: what it means for California homeowners and homebuyers

Sponsored by JPMorganChase

Homeownership is more than just a lofty American dream—it’s how many can build generational wealth. For the Black community, 90% of wealth gains come from homeownership, meaning that owning a home continues to be a crucial method for Black and Latino households to build and accumulate wealth.

The Federal Reserve (the Fed), the U.S.’ central bank that dictates interest rates, continues to indicate that a potential rate cut is on the horizon. Not only can this impact affordability for prospective buyers, but it could be advantageous for current homeowners that are locked into higher interest rates.

But, what does this all mean? Chase Bank answers some of your questions as it relates to prospective homebuyers and homeowners:

What role do interest rates play in buying a home?
Mortgages respond to market conditions, including the Fed’s monetary policy. As interest rates climb, so do the interest on new mortgages and mortgage payments. Conversely, if rates fall, so does the interest on mortgages. So, buying at a lower rate can save you money in mortgage payments.

Should I wait to buy a home once interest rates fall?
Timing the market perfectly is not only challenging, but near impossible to do. While we hope the Fed will cut rates this year, it’s never guaranteed. Lower interest rates can save you money, but they’re not the only factor affecting affordability. So, instead of focusing on perfectly timing the market, we recommend leaning into what you can control: being financially prepared to buy a home.

Outside of readying your finances for homeownership, you can look for options that can lower costs and promote savings such as low down payment mortgages, down payment assistance programs and  grants. And don’t forget you always can buy a home now and refinance in the future once rates drop.

How do I prepare myself to buy a home in this current environment?

We not only want consumers to attain homeownership but to sustain it. That’s why it’s important to understand what exactly you can afford before getting into the market. There are a variety of resources to help you prepare financially for buying a home to see how much you can afford in the areas you’re looking to buy, compare loan options and obtain a free credit score. You’ll also want to start compiling all of your necessary documents for pre-approval, such as W2s, bank statements, income documentation, etc.

What about the down payment? Do I need to have 20% of the home cost saved up?

Most first-time home buyers are singularly focused on saving for a down payment. However, long gone are the days of putting down 20% of the purchase price – low down payment loan options are available with some requiring as low as 3% down. Plus, there are a variety of incentives and grants that can lower your costs. For instance, Chase offers a homebuyer grant of up to $7,500, where eligible, to help with the interest rate, closing costs, and the down payment. These grants are offered in low- to moderate-income communities and neighborhoods that are designated by the U.S. Census as majority-Black, Hispanic and/or Latino.

Should I only work with one lender for my mortgage?

Studies show that 45% of borrowers who shopped around for mortgages received lower offers. Make lenders compete for your business – many have varying fees and closing costs that can add up. Also, interest rates can fluctuate daily, so lock in your rate with your lender if they offer that option for extra peace of mind.

I’m an existing homebuyer. How does a rate cut impact my situation?

It can be a good time to refinance when interest rates are going down, especially for those with rates above or at 7%.  For current homeowners looking to refinance, we advise them to keep their end goal in mind as they consider whether refinancing makes sense for their personal situation. Work with your local advisor or using a Refinance Savings Calculator to understand when it makes sense for your specific situation to refinance.

Why should I refinance when rates are lower?

When interest rates are lower, you may be able to refinance your loan for a shorter term without seeing much of a change in your monthly payment. Even if your payments are higher, you may see significant savings over the life of your loan by making fewer interest payments. For example, you may decide to refinance a 30-year loan into a 15-year loan. While it has higher monthly payments, you’ll pay the loan down faster and pay less in interest.

Whether we’ll see a rate cut or not, there are many tools for first-time homebuyers and experienced owners to keep homeownership affordable and sustainable. For more information visit Chase.com/afford to start your journey, invest in your future and save in the long run.

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

Deposit products provided JPMorgan Chase Bank, N.A. Member FDIC

 © 2024 JPMorgan Chase & Co.

 

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Nick Ball faces tough challenge in Liverpool title defense against Ronny Ríos

by the El Reportero‘s staff

Nick Ball, the newly crowned WBA featherweight champion, is set for a much-anticipated “homecoming fight” this Saturday, October 5 night in Liverpool. However, the 27-year-old fighter isn’t taking the easy road for his first title defense. Instead, he will square off against the seasoned and resilient Ronny Ríos from Santa Ana, California. Fans can expect an exhilarating bout, as Ball’s fights are renowned for their excitement and entertainment value, and this match promises to be no exception.

That said, Ball may have a challenging evening ahead against Ríos. Known for his incredible stamina, Ball can unleash a barrage of punches throughout the rounds without showing signs of fatigue. Currently boasting a record of 20 wins, 0 losses, and 1 draw, with 11 knockouts, Ball’s remarkable endurance and relentless style may well make him the top contender at 126 pounds. He claimed the WBA title in June after a hard-fought victory over Raymond Ford, which came on the heels of a controversial draw against defending WBC featherweight champion Rey Vargas. With aspirations for unification bouts, Ball is clearly on the rise.

However, Ríos, now 34, is not one to overlook. A former challenger for the WBA and IBF super-bantamweight titles, he faced a late stoppage at the hands of Murodjon Akhmadaliev. Many boxing insiders believe Ríos could be a formidable opponent, especially considering he is often mentioned as someone “Monster” Inoue is avoiding. Ríos also faced Vargas in 2017, ultimately losing by decision to a common opponent. With this being his third attempt at a world title in different weight classes, Ríos is eager to upset Ball’s homecoming.

Throughout his lengthy career since debuting in 2008, Ríos has faced setbacks, suffering three stoppage losses but only managing to win one fight since falling to Akhmadaliev. He has made it clear that his trip to Liverpool is not merely for sightseeing or a paycheck; he intends to make a statement.

From the opening bell, fans can expect Ball to aggressively pursue victory, while Ríos, who will enjoy notable height and reach advantages over Ball, must devise a strategy to counteract his opponent’s relentless attack. It’s a daunting task for Ríos, but both fighters will have their work cut out for them in the ring.

As Ball continues to solidify his status as a must-watch fighter, many anticipate he will secure the win, potentially by late stoppage. Nevertheless, Ríos remains a live underdog, eager to seize this opportunity outside of the United States.

– With reports by james Slater from Boxing News 24/7.

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Sermon 12: Mike Adams discusses the use of apricot kernels as an anti-cancer treatment

by Kevin Hughes

The Health Ranger Mike Adams talked about the use of the apricot kernel as an anti-cancer treatment during his 12th sermon on the “Health Ranger Report,” part of his 100 Sermons series.

The Bible nutrition educator’s sermon was based on a verse from the book of Deuteronomy in the Old Testament. The verse reads: “He found him in a desert land. And in a wasteland, a howling wilderness; He encircled him, he instructed him, He kept him as the apple of his eye.” (Deuteronomy 32:10)

According to Adams, the late author and botanist Dr. James A. Duke wrote that apricots were actually not indigenous to the Mediterranean region, especially during the time of the Old Testament.

“They were not there. They didn’t have apples, and so they referred to apricots as apples – and apricots are native to China. Apricot seeds were, of course, transported to the Mediterranean,” Adams said. “Apricots have long been abundant in Israel and were most probably introduced in biblical times.”

Adams mentioned that apricot is relevant to God’s medicine because it has a kernel, which contains a compound called laetrile or vitamin B17.

However, Duke reportedly warned that the apricot kernel contains a toxic compound called hydrogen cyanide – commonly called prussic acid. He noted that laetrile is a compound that can either cure or kill depending on the dosage.

Duke also mentioned that the kernel produces an edible oil that is sometimes used as an almond oil substitute. Apricot seeds are also used like almonds in Afghanistan, while the apricot kernels are used to make almond cookies or ground into flour in China.

Adams shared that there are many drink mixes in Taiwan, China and Hong Kong that rely on either a combination of almond seed, almond flour or apricot seed flour. Some of these instant drink mixes are marketed for good health, he added.

Laetrile in apricot kernels selectively destroys cancer cells in the body

According to the Health Ranger, the laetrile story picked up in the 1950s and 1960s in the U.S. when San Francisco-based physician Dr. John A. Richardson began using laetrile to address cancer. Richardson’s 1977 book titled “Laetrile Case Histories: The Richardson Cancer Clinic Experience” documented this use of laetrile from apricot kernels.

  1. Edward Griffin, one of Richardson’s friends, also wrote about laetrile in his work titled “World Without Cancer.” With the help of Richardson, Griffin laid out in the book the very compelling case that laetrile in apricot seeds selectively destroys cancer tumors. (Related: Apricot Seeds Kill Cancer Cells without Side Effects.)

The Natural News and Brighteon.com founder added that many people have used apricot kernels as a form of natural medicine in order to prevent or treat cancer with the help of naturopathic physicians. According to him, there is something about laetrile that attracts it to cancer tumors.

“They have treated various diagnoses of cancer and laetrile has been described as a kind of naturopathic chemotherapy. It is apparently very toxic, or cytotoxic to cancer cells. But at the proper dose, it is not toxic to the rest of the body,” Adams said.

“The cells take up the toxic components of the laetrile compounds. And then those cells end up killing themselves off while the rest of the cells in the body are okay. But then again, if someone were to take in a massive dose of this [laetrile], they could actually kill themselves. They could kill the whole body.”

Adams stressed that laetrile is toxic at high doses, citing Duke’s warning that a double apricot kernel is enough to kill a man. If eaten in excess the apricot fruit is believed to harm the bones and muscles, promote blindness and falling hair, numb mental facilities and injure pregnant women.

Ultimately, the Bible nutrition educator issued a disclaimer that he wasn’t offering medical advice or intending to replace a naturopathic physician. He advised people to research on their medical situation if they have one. Food.news.

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Ireland could become Europe’s most pro-censorship nation if ‘hate offenses’ bill is passed

The Irish ‘hate speech’ bill would allow authorities to criminalize private possession of memes or any content ‘likely’ to incite violence or hatred ‘against a person or group of persons on account of their protected characteristics

by Alliance Defending Freedom

(Alliance Defending Freedom) — Censorship. It’s an elusive term animated throughout history with growing relevance today. “Hate speech” laws loom large over Western political and social conversations. Blasphemy laws criminalize faith-based speech and belief in countries like Nigeria and Pakistan. By now, almost everyone is aware of censorship.

Some may think of George Orwell’s 1984; others, Ray Bradbury’s Fahrenheit 451. Censorship takes many forms – like book burning and imposing “newspeak” – but Ireland now leads the dystopian cause with its hotly debated “hate speech” bill.

And so, as the state-driven tide of censorship sweeps the world, Europe stands at the forefront of the ongoing conversation. Why? Because almost every Western nation has introduced “hate speech” laws enabling authorities to enforce penalties for certain speech they deem unpopular or unorthodox.

These laws are introduced under the guise of combatting “a rise of hate,” or offensive speech that can make people feel insulted or uncomfortable. But criminalizing speech is not the answer. Rather, allowing more robust speech that facilitates open debate instead. That’s why we stand against so-called “hate speech” laws like the proposed one in Ireland.

‘Hate speech’ dropped from new law – what it means

Thankfully, the Irish government has indicated it will not proceed with the most censorial elements of the proposed “Hate Speech” Bill.

With the world watching, the people of Ireland said “no” to state censorship, and it’s working.

The Incitement to Violence or Hatred and Hate Offences Bill 2022, currently stuck in the Irish Senate, will proceed without the draconian speech elements that had previously been advanced. Remember, incitement to hatred remains illegal under existing law.

Minister for Justice Helen McEntee has recognized that there is a lack of consensus on the proposed bill’s “hate speech” restrictions.

The minister for justice is reported as saying: “The incitement to hatred element [of the bill] does not have a consensus, so that will be dealt with at a later stage.”

Pro-censorship actors may seek to bring in a separate new law in the future.

The Irish “hate speech” bill seeks to criminalize the possession of material “likely” to incite hatred. This includes memes and photos saved on devices, with up to five years of jail time. Yes, photos on personal devices. Yet, there is no clear definition of what “hate” entails.

Therefore, this is a dangerous trajectory. ADF International highlights the dangers of the “hate speech” bill while briefing Irish lawmakers on how to uphold freedom of speech.

What are ‘hate speech’ laws?

So-called “hate speech” laws are ambiguously worded laws that criminalize certain speech beyond what is acceptable in a democratic society.

Despite having no basis in international law, all European Union member states have vague and subjective “hate speech” laws. The United NationsEU, and Council of Europe concur that “hate speech” lacks a universally agreed-upon definition. Nonetheless, the European Commission seeks to make “hate speech” an EU-wide crime on the same list as trafficking and terrorism.

These laws, with the wrong police and prosecutor, can be weaponized against any person and any form of speech. Thus, explicitly violating the state’s obligation to protect free speech.

Do ‘hate speech’ laws deter hate?

The short answer is no. But because “hate speech” laws rely on vague terms such as “insult,” “belittle,” and “offend,” they are inconsistently interpreted and arbitrarily enforced. Oftentimes, the threat of serious criminal penalties accompanies charges.

Rather than combat hate, the criminalization of speech based on subjective criteria creates a culture of fear and censorship.

An offence is considered hateful in reference to the hearer or reader, making it subjective with little to no regard for the content of the speech itself. They are incompatible with free societies.

How the proposed Irish ‘hate speech’ law is different than others

The Irish “hate speech” bill would move the needle further. If passed, we could expect commonplace prosecutions like Päivi Räsänen’s for posting a Bible verse on “X” in 2019 about her biblical worldview on marriage and sexuality. In fact, Ireland’s censorial law would go even further than Finland’s.

We’re ramping up public advocacy to expose the unprecedented dangers of what the Irish government is doing. All have the right to live and speak the truth without fear of censorship or retaliation. That’s why we’re asking Irish lawmakers to uphold their obligation to protect free speech under international human rights law.

Consequently, the Irish “hate speech” bill has two major facets that other laws like Finland’s do not include. For example:

– It leaves the issue of gender open-ended by including a list of “protected characteristics” allowing for unlimited “gender identities” like “non-binary” and “two-spirit.” These self-identities would receive protection supported by criminal law.

– It allows authorities to criminalize private possession of memes or any content “likely” to incite violence or hatred “against a person or group of persons on account of their protected characteristics.”

This means “misgendering” someone could land you a criminal prosecution, fine, or worse. If the Irish “hate speech” bill becomes law, Irish police would have the power to search phones, camera rolls, and emails for prosecutable content.

It’s paramount that we all spread awareness about the dangers of this bill.

Why Ireland is pushing this now

The Irish government claims that the law is necessary following rising incidents of violence in the country, which many tie to uncontrolled migration. But peace and security on the streets do not require “hate speech” laws suppressing peaceful speech.

With key terms deliberately undefined, how are we to know what kind of speech could be subject to prosecution? “Hate speech” laws are Western blasphemy laws by another name; both are state driven.

The thought of Irish police raiding homes and phones to seize banned books and memes invokes thoughts of Orwell and the darker moments of the last century.

Our right to freedom of expression is protected by numerous international human rights treaties. The European Court of Human Rights even affirmed that the right to freedom of expression protects not just popular ideas but also those that shock, offend, and disturb.

Yet, some argue that unpopular speech should be censored by the state. But where is the logical stopping point?

Have we learned nothing from Finland? 

“Hate speech” laws are detrimental to a society seeking to protect freedom of speech or thought. In Finland, we’ve supported Päivi’s defence for almost five years with two unanimous acquittals. She was charged with three counts of “hate speech” because of her “X” post, a pamphlet she authored for her church, and comments she made during a radio program.

In January 2024, the state prosecutor appealed her case to the Finnish Supreme Court. On April 19, the high court agreed to hear the appeal, so Päivi will face her third criminal trial in three years. However, the legal process is Päivi’s punishment because the state has unlimited funds to prosecute offenders of their “hate speech” laws. Prosecutions cost taxpayer funds, while reputations sometimes become irreparably harmed.

If Päivi’s now famous “hate speech” case took place in Ireland, she could be prosecuted for simply possessing the pamphlet she wrote for her church congregation on the biblical definition of marriage, even if it was never published online.

Ireland should be a place where important conversations about issues that matter – even about controversial and sensitive topics – thrive. When these conversations are shut down, we all lose out.

Conclusion: Ireland must reject its new ‘hate speech’ bill

In summary, “hate speech” laws leave the door wide open to state censorship and oppression. And yet, the Irish government has been moving forward with a new bill to criminalize “hate speech” since 2022.

This could be one of the most far-reaching clampdowns on free speech by a modern democracy. It implicates memes, jokes, and books. Instead of protecting free speech and public safety, this law is poised to set a draconian precedent of intolerance against those who express beliefs outside the state-approved orthodoxy.

Unpopular speech needs the most protection, and in a free society, free speech is required. Individuals should be able to express their beliefs without fear or oppression. The Irish “hate speech” bill is a far cry from the liberal democratic ideals the Irish government claims to profess.

The Irish government has chosen to uphold freedom of speech.

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Commemorate the Day of the Dead with various activities

by Magdy Zara

The Day of the Dead is a Mexican tradition that symbolizes the temporary return of the souls of the deceased, who come back home to the world of the living to reunite with their families and to nourish themselves with the essence of the food offered on the altars set up in their honor.

The commemoration of the Day of the Dead takes place on November 1st and 2nd. In Mexico, it has various regional or state-specific variants.

Mexican citizens who have left their homeland have not only taken their suitcases with them but also their beliefs and traditions, which now form part of the popular practices in different countries across America, especially in the United States. Below is a brief list of some activities organized for the Day of the Dead in 2024.

Teatro Visión in San José invites you to celebrate the Day of the Dead with Macario, a play filled with music, dance, spectacle, and song, presented in Spanish with English and Spanish subtitles.

Dead with Macario

Macario is the classic story of a poor woodcutter who dreams of having a day without hunger. When his wife makes that dream come true, he receives a healing power that could change the lives of his family and community forever.

The premiere of this season’s Macario will be on October 10th and will run until the 20th of the same month. Performances will be at 8 p.m. at the Mexican Heritage Plaza Theatre in San José, with tickets priced between $10 and $40.

Meanwhile, Latin GRAMMY-winning vocalist Lila Downs brings a special night of music to celebrate the Day of the Dead, where she will also present her latest album, La Sánchez, featuring folk dances and impressive visual projections inspired by various themes.

With “an impressive voice and a multicultural vision rooted in her Mixtec heritage,” she has built a career uniting cultures and languages as a musician and social activist for humanitarian causes.

The event is set for Saturday, October 12th at 8 p.m. at the Paramount Theatre, located at 2025 Broadway, Oakland.

The annual Día de los Muertos exhibition at SOMArts is one of the most internationally diverse Day of the Dead celebrations in the United States. It was founded 25 years ago by San Francisco artist and curator René Yañez.

This year’s exhibition has a different theme, serving as an “expression of solidarity, love, and justice,” as it will be dedicated to the genocide of the Palestinian people, reflecting on the impact of this ongoing trauma at personal, national, and international levels.

In line with the Day of the Dead tradition, the exhibition also features personal altars dedicated to loved ones who have passed away. Additionally, participating artists focus on creation as a form of resistance by setting up both traditional and contemporary altar installations that honor, celebrate, and mourn those who have died in Palestine.

The exhibition will be open to people of all ages until Nov. 4. The opening reception is this Friday, October 11th, from 6 to 9 p.m., with a suggested donation of $15 and free entry for children under 16. The SOMARTS Cultural Center is located at 934 Brannan Street, San Francisco.

Hija Pródigo Opens the SF Latino Film Festival

The documentary Hija Pródigo by filmmaker Mabel Valdiviezo will be the opening film of the San Francisco Latino Film Festival.

Mabel Valdiviezo

As the writer explains, the documentary narrates her journey after 16 years to reconnect with her Peruvian family, showcasing her experience as an immigrant in San Francisco.

Hija Pródigo is a cinematic exploration of family bonds, identity, belonging, and the transformative power of art through the narratives of human rights, gender, migration, belonging, and the transformative power of art.

Valdiviezo embarks on an emotional journey back home to Peru, filled with longing, to confront a whirlwind of emotions as old wounds reopen. Her mother’s perception of her absence adds to the complexity, leading to Mabel’s heartfelt confession about her troubled past marked by addiction and confusion as an immigrant in San Francisco.

This documentary also features intimate photographic paintings of the family, providing the audience with a broader view of life that distinguishes the “good migrant” from the “bad immigrant.”

The film will be screened this Friday, October 11th, at 6:30 p.m. at the Roxie Theatre in the Mission, located at 3117 16th St, San Francisco.

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The world of literature celebrated the 477th anniversary of the birth of the giant novelist Miguel de Cervantes

by Zurellys Villegas

Miguel de Cervantes is considered one of the greatest writers of the Spanish language. Last Tuesday, September 29, the 477th anniversary of the birth of the poet, novelist and playwright who is known primarily for his masterpiece, ‘Don Quixote de la Mancha’ was commemorated. This work is “the best literary work ever written” and is noted as the first modern novel in universal literature.

Miguel de Cervantes Saavedra was born in the city of Alcalá de Henares, in 1547, on September 29, in a Spain marked by great political and cultural changes.

Cervantes, the son of a surgeon and a family of humble origins, spent much of his life in difficult conditions, marked by war, poverty and imprisonment. Despite these challenges, his literary ability reached its exponential peak and his pen gave life to great immortal characters that, to this day, continue to captivate readers around the world.

The 477th anniversary of his birth is an opportunity to remember not only his impact on universal literature, but also his contribution to the development of the Spanish language and the influence he exerted on later generations of writers. In commemoration of his legacy, public readings, exhibitions and theatrical performances of some of his most famous works are held in many cities around the world.

‘Don Quixote de la Mancha’, a work of universal literature

The work ‘Don Quixote de la Mancha’ is divided into two different books. The first entitled ‘El ingenioso hidalgo don Quijote de la Mancha’ published in 1605 and the second, ‘El ingenioso caballero don Quijote de la Mancha’ which had to be published in 1615. The first work is the most outstanding work of Spanish literature and one of the main works of universal literature. It has been translated into more than 50 languages ​​and adapted in various forms, from theatre to film.

Through the adventures of the protagonist and his squire Sancho Panza, Cervantes presents a satire of the books of chivalry and addresses universal themes such as the struggle between reality and fantasy.

‘Don Quixote de la Mancha’ has endured throughout the centuries, consolidating itself as a pillar of global culture. On its 477th anniversary, Don Quixote remains a timeless reflection of human nature and an essential reference for novelists and writers who enter the world of literature.

They claim that Miguel de Cervantes was not born in Alcalá de Henares

The greatest figure of Spanish-speaking literature continues to be much talked about. Spanish researcher José de Contreras y Saro revealed last May that Miguel de Cervantes Saavedra was born in Córdoba (Seville) and not in Alcalá de Henares (Madrid) as the official story has maintained until now.

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The academic explained that the biographical data of the author of Don Quixote had been confused with those of two other contemporary homonymous relatives of the famous novelist: a nephew born in Alcázar de San Juan (Ciudad Real) and a second cousin born in Alcalá de Henares.

During a conference at the Ateneo de Sevilla, De Contreras highlighted that Adolfo Rodríguez Jurado (1865-1933), a politician and lawyer from Seville, was the one who, in 1914, discovered the document that registered Miguel de Cervantes Saavedra as a native of Córdoba.

According to the researcher, the document found by Rodríguez Jurado remained in an unknown location until 2016. In addition, at the conference, De Contreras showed slides with the signatures of the three Miguel de Cervantes and the corresponding graphological analysis of the three people.

De Contreras, who is a national researcher and director of the research group Memoria de Cervantes, a specialist in the 16th and 17th centuries, and a member of the Sagasta Foundation for Political Studies, specialized in the 19th century, explains that the Miguel de Cervantes born in Alcalá de Henares would actually be a second cousin of the novelist. He also said in that conference that the third Miguel de Cervantes was the son of the eldest of the six brothers of the author of Don Quixote, Blas de Cervantes, and his birth certificate, found in Alcázar de San Juan, is from 1558.

“We have been able to identify which of the three Miguel de Cervantes married Catalina Salazar y Palacios, or Palacios y Salazar, and lived temporarily in Esquivias,” said De Contreras.

After stating that they have identified “which of them is buried in Madrid and which of them was the writer,” he points out that the Miguel de Cervantes born in Córdoba is the author of Don Quixote because “he is the only one in which a single document identifies his age, his place of birth, his occupation and his interest in writing comedies.”

— With information from EFE / Canal Sur Radio / Diario ABC

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