Understanding Insurance Benefits
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businesswoman looking in to camera with her hand on the right side of face

No matter where you are in life, whether you’re just starting your career or nearing retirement, it’s important to understand the voluntary benefits available to you that can complement traditional health insurance.

While health insurance can help cover medical costs in the event of injury or illness, sometimes there are additional expenses your health care plan doesn’t cover. Voluntary benefits, such as life insurance, disability insurance and dental insurance offered by your employer or as portable options through a company like Colonial Life can help bridge the gap should an unexpected event occur.

“Even if an employee has to pay a nominal sum for a voluntary benefit like disability insurance or dental coverage, it can be well worth it,” said Sharlyn Lauby, president of ITM Group Inc., creator of the HR Bartender blog and contributor to Colonial Life’s WorkLife blog. “Think of voluntary benefits as those specialized, personalized extras that make your overall benefits package exactly what you’d like it to be.”

Benefits can be complex, but with the right information about the options available, you can make choices that best fit your lifestyle and budget. Consider these common voluntary options.

Life Insurance

While almost nine out of ten Americans agree most people need life insurance, just 60 percent said they have it, according to LIMRA’s Trends in Life Insurance Ownership study. With benefits typically paid tax free to your beneficiary, life insurance can provide peace of mind and help loved ones pay for funeral costs, cover living expenses, pay off debt, finance future needs and protect retirement plans. Policies are often available through employers, but you may lose the coverage if you change jobs. However, portable policies are also available that allow you to maintain coverage even if you change jobs or retire. To learn how much life insurance protection your family needs, visit worklife.coloniallife.com/calculator.

Disability Insurance

No one usually expects to get sick or injured, however, disability insurance can help protect your income and maintain your lifestyle if a physician determines you’re unable to work due to a covered accident or illness. Common conditions, such as pregnancy and childbirth, heart attacks, strokes, cancer and accidents, make up the majority of disabilities that lead to an inability to work. With short-term disability benefits, you receive financial support for a predetermined amount of time to cover expenses like a mortgage or rent, car payments, utilities and more, so you can focus on recovery.

Dental Insurance

Daily brushing and flossing can help keep your mouth healthy, but that’s not always enough as dental problems can lead to other health problems if left unattended. When you see a dentist for routine appointments and necessary procedures, dental insurance can help reduce the out-of-pocket expense. In fact, among insurance benefits typically provided to employees, 61 percent of workers view dental benefits as important, ranking second after medical insurance, according to LIMRA. Dental insurance provides coverage for regular cleanings and more extensive procedures like fillings, crowns, dentures and tooth removal. Some plans even offer allowances for orthodontic work like braces and retainers.

Accident Insurance

When an accident happens, one of the last things many people want to think about is how they’re going to pay the bills. You can prepare for the unexpected with accident insurance, which provides a lump-sum benefit—based on the injury suffered and treatment received—that can be used to help pay for expenses following an accidental injury, such as doctor bills, co-pays, emergency room fees, transportation, lodging and follow-up care.

Critical Illness Insurance

No matter your age or health status, a sudden illness could significantly impact your financial well-being, and health insurance may not cover everything. When a critical illness such as a heart attack, stroke or major organ failure occurs, major expenses often follow, and critical illness insurance can help off-set costs. In addition to your day-to-day bills, the lump-sum benefit can be used to pay for treatment- and recovery-related expenses including deductibles and co-pays, child care, travel and lodging, gym memberships and out-of-network treatment facilities and procedures.

Source: Family Features Editorial Syndicate

See the Best Cities to Live In for LGBTQ+ People
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A girl jumping in the air in a field, holding a LGBT pride flag

Whether it’s time to start a new career opportunity, find a place to retire, or change up your current environment, finding the right place to move to can be difficult. For LGBTQ+ people, this can be especially difficult, as there are still many areas that are not as progressive and accepting of the LGBTQ+ community as others.

Many of the big cities that are known to embrace the community, such as San Francisco and New York City, are great options, but are not at the pace that all people are looking for when it comes to settling down. Here is a list some of the best progressive and LGBTQ+ cities to live in, which you may not have considered yet.

Portland, Oregon

Gaining recent popularity, Portland has fast become a place of diversity and culture. The city is known for its great weather, growing college community, hipster businesses and the delight of having no state income tax. But most importantly, Oregon was voted as one of the United States’ most LGBTQ+ friendly cities by the Human Rights Campaign, achieving low rates of hate crimes and discrimination and high rates of safety, acceptance and relationship recognition.

Orlando, Florida

Not only is Orlando the home to a tremendous amount of activities, mainly being a tourist town, but has become the home to many progressive neighborhoods and a well-established gay community. The town maintains the same level of “things to do” as bigger cities, but also has low taxes and has a lower cost of living, making it a more intriguing place to settle.

Bloomington, Indiana

Bloomington is an especially unique city for the LGBTQ+ community. Being a more relaxed town, Bloomington has many recreational opportunities from exploring Brown County State Park in the beautiful Indiana weather to engaging with the cultural life created by the presence of Bloomington’s Indiana University. Best of all, Bloomington received a perfect score on Municipal Equality Index, meaning that they have some of the most inclusive policies and laws for LGBTQ+ people.

Yellow Springs, Ohio

Yellow Springs is another progressive, nature driven town, known for its progressive behavior since the 1960s. Although it is a small town, Yellow Springs has an intriguing downtown area where visitors can come enjoy an array of artistic galleries and publicly supportive of the LGBTQ+ shops. This is also the perfect destination for people who cold weather, as Ohio is known to get into low temperatures and receive quite a bit of snow.

Moab, Utah

Though small in size, Moab has served as one of the most supportive and engaging LGBTQ+ communities in recent years. Moab has its own Pride Parade, Visibility March, and Gay Adventure Week, all of which are quite popular among the town’s 5000-person population. The little town is more of an isolated destination about over 200 miles from Salt Lake City, but it is an outdoor lover’s paradise as it is close to the natural park and ideal for white water rafting.

¡Mi Triunfo!
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Meet the Latino and Latina Power Houses that are gaining the world’s attention.

Patty Rodriguez

Patty Rodriguez is best known for her role as on-air talent for KIIS.FM’s morning show with Ryan Seacrest.

“I never saw myself on-the-air,” she tells HipLatina. After 13 years On Air With Ryan Seacrest, she finally became comfortable with telling stories of local heroes. “People on social media would always tell me, ‘oh you don’t have the voice for it’ and I guess I just believed it,” she adds. She didn’t pursue it for a long time because imposter syndrome was holding her back.

Rodriguez is co-founder of “Lil’ Libros”, a bilingual children’s publishing company, and founder of the “MALA by Patty Rodriguez” jewelry line.

Rodriguez found it difficult to find bilingual first concept books she could enjoy reading to her baby, and so she and her childhood friend Ariana Stein came up with the idea of “Lil’ Libros”.

Sources: Hiplatina.com, Lillibros.com, Malabypr.com

Sergio Perez

Mexican driver Sergio Pérez, also known as Checo Perez, has amassed more points than any other Mexican in the history of the F1. But Perez is yet to match his hero Pedro Rodriguez and take the chequered flag in first.

Perez recently committed to a long-term deal with Racing Point beyond 2021. Perez has been with the team since 2013, when he signed with the group, then called Force India. The group reformed as Racing Point in 2018.

“I feel very confident and very motivated with the team going forwards,” Perez said, “with how things are developing, with the future of this team, the potential I see.”

It was also recently announced that the Mexican Grand Prix, an FIA-sanctioned auto race held at the Autódromo Hermanos Rodríguez, in Mexico City, will stay on the F1 calendar for the next three seasons.

“It was great news,” Perez said of the renewal. “It’s a massive boost on my side to know that for the next three years I’ll be racing home. Three more years to have an opportunity to make the Mexicans very proud.”

Source: formula1.com

Juanes

The 2019 Latin Recording Academy Person of the Year gala honored 23-time Latin GRAMMY and two-time GRAMMY-winning singer, composer, musician, and philanthropist Juanes for his creative artistry, unprecedented humanitarian efforts, support of rising artists, and philanthropic contributions to the world.

Juanes (born Juan Esteban Aristizábal Vásquez) is a Colombian musician whose solo debut album Fíjate Bien won three Latin Grammy Awards. According to his record label, Juanes has sold more than 15 million albums worldwide.

Source: Latingrammy.com, Voanews.com

Remembering Silvio Horta

Silvio Horta, best known as an executive producer of the hit ABC television series Ugly Betty, died in January. He was 45. Horta was an American screenwriter and television producer widely noted for adapting the hit Colombian telenovela Yo soy Betty, la fea into the hit series, which ran  2006–2010. Horta served as head writer and executive producer of the series.

Source: Wikipedia

Photo by Mel Melcon/Los Angeles Times via Getty Images

Studies Show 1 in 4 Americans are Seeking Type of Advisor During the Pandemic
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woman's hand pictured holding pen and calculator

While health concerns continue to be top of mind surrounding the COVID-19 pandemic, other aspects of day-to-day life contribute to the anxieties due to these uncertain times. One significant additional concern is the future of financial sustainability.

To truly understand the concerns of the public, Nationwide surveyed over 2,000 Americans, including 600 investors, to see how the pandemic has changed their financial concerns. John Carter, the president and COO of Nationwide, stated of the survey, “People are struggling, they are making sacrifices, and we firmly believe that their health and safety should be everyone’s top priority right now. We are also committed to helping Americans protect their financial health for the long term. Our latest research identifies areas where they are challenged and looking for guidance.”

According to Nationwide’s study, 70% of respondents testified to feeling either cautious or uncertain for the future of their personal finances, including 69% of the surveyed investors. This data doesn’t come as a surprise to Nationwide’s additional data that stated nearly 1 in 4 of those surveyed testified to having reached out to a financial advisor for the first time because of the pandemic, including 26% of the investors asked. Only 31% of all surveyed had previously used a financial advisor, with only 58% of the investor subset being included in that tally.

Financial concerns among those who responded to the survey stated their two biggest concerns over the effects of the virus were the inability to pay bills and the fear of losing their life savings. Other concerns included the fear of losing their jobs, affording healthcare, and not being able to retire.

Kristi Rodriguez, the leader of the Nationwide Retirement Institute, stated, “Americans feel a lack of control and a need for more guidance. Even if they do all the right things to manage their finances and investments, the vast majority of Americans, including 80% of all respondents and 85% of investors, agree they can still be blindsided by outside events.”

But just because there are fears surrounding finances during this time, that doesn’t mean that all hope is lost. Nationwide is dedicated to helping those concerned with their financial situation through their various resources. To find out more about what Nationwide has to offer and see more of the survey’s results, check out Nationwide’s full press release here

Cinco De Mayo’s True History
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cinco de mayo

By Sarah Mosqueda

As we shift into warm, drinking-on-a-patio weather, you might be looking forward to celebrating Cinco de Mayo. Cinco de Mayo has become popularized as the drinking-on-a-patio holiday. But the origins of Cinco de Mayo have less to do with Tequila and more to do with unexpected victory.

“It really is an underdog story,” says Ruben Espinoza, Assistant Professor & Director of

Latinx and Latin American Studies at Chapman University in Orange, California.

Cinco de Mayo is often incorrectly billed as Mexican Independence Day, but that’s September 16. Cinco de Mayo actually commemorates the Battle of Puebla.

In the early 1860s after the Mexican Reform War, Mexico had fallen into debt to France, Britain and Spain. As a result, Mexican President Benito Juárez placed a moratorium on repayments of interest on foreign loans. This prompted Spain, Britain and France to send joint forces into Mexico. Spain and Britain withdrew, however, when they learned French Emperor, Napoleon III, was planning to overthrow the Juárez government and conquer Mexico. French troops, led by General Charles Ferdinand Latrille de Lorencez, headed toward Mexico City. But first they had to go through Puebla.

“The French forces were very equipped,” Espinoza says.

In contrast, the Mexican troops, led by General Ignacio Zaragoza, were more of a militia than an army made up mostly of farmers. And yet, in a victorious battle that took place on May 5, 1862, Mexican forces beat the French.

Juárez wasted no time declaring the anniversary of the Battle of Puebla a national holiday known as “Battle of Puebla Day” or “Battle of Cinco de Mayo.” Some sources claim the declaration of the holiday was made as early as May 9, 1862.

“That battle wasn’t the end of the war,” Espinoza says, “France occupied Mexico for five years.”

The French retreated for a year but ultimately overtook Mexico when they returned in 1863, where they remained until 1867.

“And there is certainly French influence in Mexican culture today as result. For example, with the pastries,” says Espinoza.

Mexicans and Mexican Americans may have grown up dipping orejas in coffee or hot chocolate, but these crunchy, buttery pastries are known as palmiers, or “palm trees” in France where they originated.

Today, in the city of Puebla, more than 20,000 people celebrate Cinco de Mayo with a civic parade routed along Boulevard Cinco de Mayo. There is also a historic reenactment of the battle. But beyond Puebla, it isn’t a big holiday in modern Mexican culture.

“It is not celebrated on large scale in Mexico anywhere outside of Puebla,” Espinoza says.

Cinco de Mayo is a very popular holiday in the United Sates, however. There are several opinions about how it fell into favor here.

Some point to the fact that during the time period the Battle of Puebla took place, the United States was embroiled in its own Civil War. Napoleon III was rumored to have considered supporting the confederacy, and a French takeover of Mexico could have possibly made Mexico a Confederate-friendly country. The news of the victory of Battle of Puebla might have been a moral boost for West Coast Latinos living in free states.

Others believe President Roosevelt’s attempt to improve relations with Latin American countries with the creation of the “Good Neighbor Policy” in 1933 may have had an influence. The holiday was also claimed by Latino civil rights activists in the 1960s as a way to celebrate their heritage.

Beginning in the 1980s and on into the aughts, liquor and beer companies began to capitalize on the holiday as way to market to Spanish speaking audiences.

Fast forward to present day, where Cinco de Mayo has become predominately associated with margaritas and sombrero-wearing.

But Espinoza stresses Cinco de Mayo isn’t a time to perpetuate inaccurate Mexican stereotypes.

“Wearing a costume isn’t celebrating someone’s culture,” he says, “It’s actually demeaning it…don’t treat is an opportunity to wear a costume that you think represents a population of an ethnic community.”

There are actually plenty of respectful ways to celebrate Cinco de Mayo that don’t involve drinking or fake mustaches.

Often, museums and parks in areas with large Hispanic populations host family friendly activities on the 5th of May. For example, Bowers Museum in Santa Ana, California, hosts an annual Cinco de Mayo Festival that features traditional Folklorico dancing and Mariachi music performances, along with face painting and crafts.

“We will be having a Cinco de Mayo event at Chapman,” Espinoza said, “And one of the good things about having it on a university campus is there is going to be a lecture to go along with the celebration.”

The city of Los Angeles sponsored a Cinco de Mayo Parade & Festival at Oakwood Recreation Park in Venice, California, as well. The festival included Aztec Dancers, Mariachi, a classic car show, the Venice High School Band and of course, Mexican food.

“It’s a holiday that is big in US now,” Espinoza says, “and it seems like it’s here to stay. As individuals, it is important for us to learn some of that history.”

From Wilhemina Model To Skid Row
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Former Wilhemina Model pictured talking homeless woman on a sidewalk holding a pet

Iliana Belinc, a first-generation Mexican American, shares her inspiring journey from life in the fast lane as a model, to founding a groundbreaking nonprofit – PalsNPets – that supports homeless people and their pets with the belief that anyone with the right support and motivation can make a change – either within their own life, or within the lives of others.

By Tracy Yasinni

Iliana Belinc lived a seemingly glamourous life as a model signed with the legendary Wilhelmina Agency. However, the reality behind the makeup, clothes, and travel to exotic locations was much darker. She struggled with alcoholism, eventually putting both her personal and professional life in jeopardy.

At the most challenging time for the model, she happened to see a trivial incident that ultimately inspired PalsNPets, a nonprofit established to help homeless pet owners and their pets. She shares, “As I was crossing the street, I saw a homeless man sitting with his pet dog beside him. I asked myself the natural question: Why would a homeless person keep a dog – it must make life harder on them both?”

As she passed, a stranger stopped to pet the dog, and he and the homeless man exchanged natural, genuine smiles. This interaction opened her eyes to the positive energy a pet can bring to the life of someone who has almost nothing. It seemed to tap into an awareness just beneath the surface, an understanding of the importance of dogs to the lives of humans.

Fashion Photoshoot in Tulum with Iliana Belinc holding a surfboard
liana Belinc Fashion Photoshoot In Tulum, Mexico

Iliana grew up in Los Angeles, alongside three sisters, as a first-generation Mexican Americans. After high school, she began studying at college, with the dream of gaining a PHD in psychology.

In addition to the eye-opening chance encounter, she also credits her own grandfather’s capacity for compassion and bond with dogs. He rescued and cared for stray dogs in their native Mexico – a culture that didn’t see his actions as the norm for that time. Iliana notes, “I know he’d be proud that family members who after years of being unconnected are now involved with PalsNPets. Together, we’ve found a deep healing energy in the work of helping others; this energy continues to attract people who join us in our efforts.”

If there’s a message to take away, it’s that anyone with the right support and motivation can make a change – either within their own life, or within the lives of others.

PalsNPets also works to break down barriers and change perceptions, just as her grandfather did. Inspired by her grandfather’s compassion for the stray dogs no one cared about, PalsNPets has become successful very quickly. At times, she feels that PalsNPets wasn’t truly her idea at all, but a continuation of the work her grandfather began over seventy years ago.

For more information about PalsnPets visit, PalsnPets.org

5 Ways to Keep Your Finances in Check When Between Jobs
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Close-up of woman's hand typing on the keyboard while sitting at desk

Ashaunda Davis, Financial Advisor with Northwestern Mutual

It’s likely at some point in time you will find yourself between jobs. Whether you were laid off or you willingly left your previous job, this is not an easy time for anyone. But know you are not alone – about four percent of the U.S. population is unemployed at any time, according to the Bureau of Labor Statics.

While you are gainfully employed, prepare for the unexpected. My mother always said, “There is nothing new under the sun, so be prepared when life throws you a curve ball.” Control what you can during employment including your mindset, spending and savings while keeping your resume updated.

When you find yourself between jobs, this period may be overwhelming. You can minimize and prevent future stress by following these recommendations I offer my clients.

1. Create a spending plan and stick to it
Spend some time figuring out how long you can go without an income by taking a look at where your finances currently stand. Budget monthly bills that you cannot forego like rent or a mortgage, utilities and car payments. Then, set a weekly allowance for necessities like groceries and gas, and stick to it.

2. Identify expenses you can cut
Separating wants from needs can help make sticking to a budget possible. Try cutting out luxury expenses like daily coffee runs, eating out and monthly subscriptions. Buying generic products, using coupons and rethinking how you spend time with friends and family can also help eliminate expenses. Although it’s important to maintain a social life and continue to do the things you enjoy, staying frugal now can help avoid putting yourself in debt.

3. Apply for unemployment
While filing for unemployment can be time consuming and tricky, unemployment checks can help make the time between jobs less stressful. If you were fired from your previous job under circumstances that were beyond your control, like a layoff, and you meet the state’s requirements for time worked, then you may be eligible to file for unemployment. Requirements vary from state to state, so be sure to check your state’s Department of Workforce website for all information.

4. Manage your own health insurance
Private health care plans can be expensive, but it’s important to be covered at all times because unexpected hospital visits are even more pricey than paying a monthly premium. Before leaving your job, talk to the HR department about how long you will be covered under your current health insurance plan. Some companies offer a grace period to allow time to find a new plan. If you have a spouse, look into joining his or her plan. Or, consider enrolling in the Affordable Care Act platform. Some states offer a special enrollment period for situations like this, so you don’t have to worry about waiting until the health insurance marketplace opens at the end of the year.

5. Consider a part-time job
Two words: side hustle. Do you have a talent or interest you have wanted to practice, but didn’t have time before? Now is a perfect time to freelance, work a part-time job in retail or sell your artwork or vintage cloths online. Not only can a part-time job provide a sense of purpose during the transition, but the extra cash will help prevent draining your bank account.

Four essential financial planning tips for female entrepreneurs
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womans hands on a calculator with laptop beside her

Abigail Vazquez, Financial Representative with Northwestern Mutual

Today, women make up 61% of the participating Hispanic labor force, and they’re showing no signs of slowing down. The number of higher education degrees awarded to Latino students more than tripled since 2016, with Hispanic women earning 60% of those degrees.

These statistics are painting a bigger picture in which more and more Latinas are setting higher expectations for themselves, achieving career goals and gaining the confidence to create their own path to success.

To some, success means taking the entrepreneurial leap. A recent study shows that about 1 out of every 7 businesses is run by a Hispanic American entrepreneur. More specifically, Latina-majority owned businesses totalled nearly 1.5 million in 2017, representing an 87% growth since 2015.

According to a study from Northwestern Mutual, women are motivated to start their own businesses in order to achieve a better work and family balance. Although there has been a shift in how Latinas choose to live their lives, traditionally Latinas are more likely to be married, have children and have larger families, according to the study. Latinas also self-identified as creative, willing to take risks and open to new ideas – unleashing the idea of becoming an entrepreneur and aiming to achieve the American Dream.

Taking the leap to become your own boss in order to create the career you’ve dreamed about is possible with the right resources, support team and dedicated work ethic.

Whether you are just getting comfortable with the idea of becoming an entrepreneur, or if you’re a seasoned business owner – here are four essential financial planning tips for the modern day entrepreneur. ¡Ahora, échale ganas!

1. Develop or review your business plan: If you’re new to the entrepreneurial world, developing a business plan can seem daunting. Focus on developing simple, straightforward strategies such as outlining your ideas, and setting short-term goals like finding your personal business niche or visualizing your ideal career. As you begin to develop your business, your plan should develop as well. After all, this plan will be the roadmap you follow to achieve your goals.

If you’re ready to dive into a more formal business plan, prepare to write a document that includes an executive summary, business description, market research, organization and management structure, service or product lines, marketing and sales strategy, funding approach and financial projections. This comprehensive plan will help you as you begin or continue to present your business to potential investors.

2. Build your team: No matter how much experience you have in owning a business, you will always need a support system and business team to rely on. Sit down and make a list of potential tasks that could be assigned to others. Talk with your family and friends, business partners and members of your community to seek out skills and traits that may be useful for your growing business. Reach out to other female-led businesses or entrepreneurs for advice and to learn how they “get it done.” Financial experts can also help you navigate and understand the funding needed to build your team, in addition to providing you with quarterly or annual support that can have positive long-term effects on your business.

Having a group of volunteers or employees with assigned jobs or small duties can jump-start the momentum you need to launch your business or keep it growing.

3. Open a business account: If this step wasn’t included in your initial business plan, add it in – you’ll thank me later! When starting a business, you may not be focused on making money quickly, but it does happen. And for busy business owners or new entrepreneurs, the personal and professional often get blurred – including money. Mixing family and business finances can get messy fast, especially if you’re a mamá trying to take care of business and get the grocery shopping done at the same time. That’s why it’s crucial to keep personal finances and business finances separate as much as possible. Talk with your financial advisor to discuss your options for opening a business account. Having separate accounts from the very beginning will help you keep your balance sheets and mind organized.

4. Reduce or pay off your debt: Debt is scary and looking at one large number can feel overwhelming. Assess that large number and break it down piece by piece to help you determine what is possible to pay off. Then, develop a reasonable payment plan and timeline to help you pay off the entire debt. Although not required, reducing or paying off your debt can result in significant benefits for your business. Reducing your personal liability can make you and your business more appealing to investors, increasing your chance of receiving funding and lower interest rates. Don’t tackle this alone. Connect with your financial advisor to discuss payment plans, consolidation and other available options.

Adelfa Callejo sculpture, Dallas’ first of a Latina, expected to land downtown in Main Street Garden park
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bronze statue of Adelfa Callejo

The bronze statue of Adelfa Callejo, a staunch civil rights advocate believed to be the first practicing Latina lawyer in Dallas, will soon land in a downtown park — right next to the University of North Texas Dallas College of Law and the municipal court building.

A Dallas City Council committee on Tuesday accepted the $100,000 sculpture as a donation with plans to place it in Main Street Garden. It would be Dallas’ first sculpture of a Latina, according to city staffers.

Dallas city officials and the Botello-Callejo Foundation Board agreed to the new location after Mayor Pro Tem Adam Medrano quietly delayed the plan to place it in the lobby of the Dallas Love Field Airport, which is in his district. Medrano didn’t respond to requests for comment Tuesday.

The Dallas City Council is expected to approve the donation at its Feb. 12 meeting. The board wanted to tie the sculpture’s public unveiling to the six-year anniversary of Callejo’s death, which was in January 2014, after a battle with brain cancer.

The foundation’s board commissioned the roughly 1,000-pound piece by Mexican artist Germán Michel shortly after she died. It is currently being stored in a Dallas warehouse.

Callejo’s nephew J.D. Gonzales said he was thrilled the sculpture will be downtown near the university, where it’ll be visible to students and attest to her trailblazing in education and law.

“I hope that what Adelfa stood for, and what she did and what she accomplished lives on forever,” Gonzales said.

Monica Lira Bravo, chairwoman of the Botello-Callejo Foundation Board, said she met with Medrano and Council member Omar Narvaez last month to discuss where to place the sculpture.

Lira Bravo said she suggested Main Street Garden Park as an alternative after the two council members expressed concerns over the Dallas Love Field Airport option.

Continue on to the Dallas Morning News to read the complete article.

How to decide if your social circle needs an upgrade in 2020
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Latino Business team going through some paperwork in office

You’re the average of the five people you spend the most time with, motivational speaker John Rohn once said. If you’re not happy with your current situation at work, you may want to take a closer look at your inner circle.

“We have to be really good at [deciding] who we allow into our life,” says Ivan Misner, author of Who’s In Your Room: The Secret to Creating Your Best Life and founder of the global business network BNI. “Imagine your life is one room and the room had one door. The door could only let people enter, and once they’re in the room, they’re there forever.”

It’s a scary metaphor, but it’s true, says Misner. “Think about a person you let into your life and then had to let out because they were toxic, difficult, or angry,” he says. “If you can remember the emotions and what they did, they’re still in your head. If they’re in your head, they’re still in your room.”

For this reason, it’s important to surround yourself with the right people from the start—or they’ll be in your “room” for the rest of your life.

“When you realize that this happens, you can get better at screening out people before they get in and dealing with the ones you already let in,” says Misner.

Letting people in

Opening the door to the right people means getting clear with your values. “If you don’t know your values, you don’t know where to start,” says Misner.

Start with deal breakers—behaviors that  you hate, such as dishonesty or drama. Look for people who demonstrate these behaviors, and don’t let them into your social circle.

“Pretend your mind has a doorman or bouncer,” says Misner. “Train your doorman—your subconscious and conscious mind—to identify people with these behaviors. By understanding your deal breakers, you’ll be better able to start understanding your values.”

A common mistake people make when letting others in is weighing too quickly “what’s in it for me” and disregarding the things that go against their values. When we make decisions based on short-sighted gains, we also choose values that don’t resonate with who we are.

“In physics, resonance is a powerful thing,” says Misner. “It’s a phenomenon that occurs when an extra force drives something to oscillate at a specific frequency.”

To understand how it works, imagine two pianos sitting side by side in a room. “If you hit the middle C key on one piano while someone presses the sustain pedal on the other one, the middle C of the other one will vibrate on that second piano, without [it] being touched,” says Misner. “That’s resonance. People are like that.”

When you make a decision based on what you think we can get instead of your values, you invite values that don’t align with yours to resonate in your life.

“Be mindful about creating relationships with resonance and get your values down,” says Misner. “Companies often recognize the importance of knowing your values, but people don’t always think about them. Values should be at the foundation of everything you do. Otherwise, you’ll create the wrong room.”

Dealing with people you’ve already let in

If you have people in your circle that are creating a bad environment, decide if they have to be there or if you can exit the relationship. If they must be there, it’s time to draw a line in sand.

“Evaluating your social circle means recognizing that someone may be in your life but their baggage needs to stay out,” says Misner. “Draw a line in the sand by saying that you’re not letting their behavior continue around you.”

For example, if you have a coworker who demonstrates toxic behavior such as frequent gossiping or complaining, establish boundaries. Say, “Starting now, if you start talking badly, I will walk away. I respect you and will talk to you again, but only if you can have a mature adult conversation.” Then follow through. It may take a while for the person to understand the new boundaries and rules, but once you draw the line in the sand, you can eliminate the toxicity from your circle.

“Stand firm,” says Misner. “Part of that is learning how to say ‘no.’

Continue on to Fast Company to read more.

3 easy ways to meet your 2020 money goals
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latina woman sitting at desk with checkbook and paperwork

Chances are your goals for 2020 will include everything from becoming more physically fit and sleeping better to achieving new career ambitions and becoming financially healthier.

So how do we avoid these goals turning into empty promises? And when it comes to your money, what is actually realistic? There is no one-size-fits-all model for financial wellness. Instead, it’s about starting where you are, setting goals that drive behavior change, and ultimately following through.

Here are three things that you can do today to improve your financial future.

Cut unnecessary spending

Most of us have unnecessary expenses that we can cut. The trick here is to find a few expenses that you can live without that don’t negatively impact your happiness. For example, I need to be well-caffeinated during the day, and I enjoy a nice glass of wine after work, so obviously I’m not going to cut my coffee or alcohol budget. My friends, colleagues, and husband can thank me later.

That said, I enjoy running outside, and I have used my gym membership exactly once in three months. It’s time for that membership to go. In that vein, think of all of your expenses that are well-intentioned, but you’re not using. Or identify a free alternative, such as using audiobook subscription services or library apps instead of buying books. There are great services out there that identify your recurring payments. First, check with your bank to see if they do it, and make a goal to cut a few of those if you can.

And it’s not just the small stuff. The neighborhood you live in, public versus private school for kids, and whether you can cook (as opposed to eating prepackaged or takeout food) all have a significant impact on your finances.

Consider a side hustle

It’s never been easier to take on a side hustle. Getting started can be as easy as decluttering your closet and selling items you no longer use on eBay, driving for ride-share services such as Uber or Lyft, or putting your skills to work as a freelancer. While I don’t recommend it, dumpster divers are even seeing success selling stuff on Amazon.

The beauty of a side hustle is you can spend as much–or as little–time and money as you have. What matters is that you pick something that works with your schedule, skills, and maybe even a passion that you’ve ignored for too long. The key here is to be intentional. Use the extra money to accelerate debt reduction, or save for a down payment on a home to get out of the rental cycle.

Another often-overlooked side hustle is getting more money from your current employer. If you haven’t received a raise in a while or are killing it in your current role, consider asking for more money. Just make sure you are asking the right way.

Automate where you can and commit to cash

Good financial hygiene is crucial to your financial health, and this means avoiding late fees, overdraft charges, and other penalties. Where possible, automate any and all recurring monthly expenses, such as your mortgage, utilities, and cell phone expenses. Late fees add up and impact more than just your bottom line.

And although it may seem crazy, try committing to cash. Studies have shown that when we have to pull out cash to pay for groceries or other daily expenses, we’re more careful about how much we spend. Set yourself a challenge. Commit to using cash for a short period of time and see how it feels. You may be surprised by how much less you spend.

Continue on to Fast Company to read the complete article.

HNM BLM

 
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