google-site-verification=cXrcMGa94PjI5BEhkIFIyc9eZiIwZzNJc4mTXSXtGRM In My Name: The Drama of Fixing Your Credit After Your Parent Ruined It - 360WISE MEDIA
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In My Name: The Drama of Fixing Your Credit After Your Parent Ruined It

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A frightened single black mother, taking care of the household funds and caring for a boy.

Last data shows that child identity fraud costs U.S. families roughly $1 billion a 12 months and affects one in 50 children. Children constitute a big group of victims. Likely perpetrators? Their parents.

Credit specialist Markia Brown argues that, despite an absence of empirical data, parental identity theft occurs more steadily in black communities than research indicates.

“For most Black parents, the rationale is always this,” Brown tells ESSENCE. “There is a bit of shame related to it, so it’s less likely that the statistics can be accurately reflected. Due to the systemic issues we face constructing wealth, we’re forced to make difficult decisions to survive today that may ultimately impact those we love most in the long run.

Brown says coping with family identity theft can sometimes be harder than when the crime is committed by a stranger.

“We are not raised to turn against family,” Brown says. But he says there are methods to repair the damage to your account without ruining your relationship.

Step 1: File a police report

It may sound irritating, but Brown says one of the best technique to combat parental identity theft is to create a paper trail.

“If someone, even your loved ones, has used your identity to establish an account without your permission, the very first thing you should do is file this report. As soon as I say it, everyone agrees: But you do not have to say that my mom did it. All you’ve got to say is: That’s all. You do not have to implicate anyone on this crime. All you’ve got to do is say that a criminal offense has been committed.

He further explains that the police report is only a formality.

“Frankly, the authorities probably won’t look into it at all,” Brown says. “And the formality is that you will get a police report that will help you contact your creditors, contact the credit bureaus.”

Step 2: Notify the key credit bureaus

“Contact the credit bureaus immediately to let them know you have been the victim of identity theft,” Brown advises. “Let them know you propose to litigate or work with certain firms on multiple accounts. This also allows them so as to add a code called e-Oscar codes to your account. These govern how disputes can be handled, how accounts can be reported on credit reports if withdrawn, comments which will appear, and the like. Therefore, they’ll assign you a code in order that within the event of collection, your creditors will know: “

These are the three important credit bureaus Experiment, Transunion AND Equifaxthey’ve guides on their web sites for contacting them if you’ve got issues with identity theft.

“Then you need to familiarize yourself with the policies of the companies you owe,” Brown says. “This means doing research on the corporate and checking their identity theft policies? It often determines how long they’ve to analyze, how they’ll respond, how long it’ll take them to reply, after which what happens next. Then do the identical with the credit bureaus. You can reach out to them and ask: FTC.gov, CFPB.gov, all contain resources for individuals who have been victims of identity theft that may guide you step-by-step through the complete process. You don’t even need me as an intermediary to do it for you. I often are available if you happen to need assistance with a more aggressive rebuilding strategy.

Step 3: Develop a recovery strategy

When you realize that damage has been done to your account, it may possibly be crippling, especially if it’s brought on by someone you’re keen on. Fortunately, there may be a way forward.

“We are working to establish relationships with creditors that they want to continue long-term relationships with, such as banks,” Brown says. “What bank accounts should I open? Which credit cards are worth opening? Do you qualify for any loans? What kind of loans can you get?”

Once you have figured this out, writing down your goals and outlining your options can get you on the best track.

Step 4: Contact your member of the family

“It’s important to put your well-being first, which means taking steps to repair your credit before having a difficult conversation with a family member,” Brown says. Remember to not feel guilty for prioritizing your financial well-being.

“Even though you love your mom, there are no bunk beds in the coffin,” Brown adds. “When she leaves, you possibly can’t go along with her, and whenever you leave, she will’t go along with you. Your parents had a likelihood to live their lives. They did every thing they may and that is where they ended up. This has nothing to do with you. Now your job is to take the reins and say, “

This article was originally published on : www.essence.com
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Health and Wellness

ÁWET creates a community atmosphere for everyone

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B.F.A

Eritrean tailor Goitom Woldegebriel sharpened his aesthetic awareness within the shadow of war, witnessing the Eritrean-Ethiopian conflict together with his own eyes in his youth. After a long period of passing, he took root in New York, where he continued the generational process in the sector of tailoring and crafts. Today, the family brand and Soho storefront are named after Woldegebriel’s son, Áwet, which suggests victory at Tigriny – a polysemous reference to the resilience that strengthened the founder within the face of conflict.

With respect for the community, Áwet desired to create a space to rejoice young talent in much the identical way his father believed in nurturing the hands that prepare clothes for a collective tapestry. From May 4 to five, ÁWET’s flagship on Bond Street hosted eleven AAPI brands. An edition of micro-collections and small series curated by a group representing artists from the US and China Velvet.Cowere presented along with ÁWET’s latest spring/summer ’24 collection – the primary womenswear premiere of this often genderless brand.

In the context of New York’s collective post-2021 mission to combat anti-Asian bigotry, all parties needed to create an industry space of celebration and sanctuary. Proceeds from purchases made throughout the pop-up were donated Make us visible, a corporation that empowers local communities to create curricula that integrate Asian American contributions, experiences, and stories in K-12 classrooms. Now greater than ever, the fight against racial miseducation is collective, and what’s at stake affects how students of all backgrounds understand American and world history. Anti-racism reading is important.

ÁWET creates a community atmosphere for everyone

Woldegebriel calls prioritizing community “a driving force and a driving force.” We greatly value the chance to showcase the unique skills of AAPI designers in our flagship store. Thanks to archival furniture from the twentieth century and a spacious design resembling a gallery, the ÁWET store serves as a multifunctional meeting place. The bar greets shoppers on the left, often behind it’s the founder who handles the drinks himself. Visitors are treated as guests, and for a man so committed to the practice of calling meetings, it is suitable that his store opens the door to a sense of joyful upliftment, allowing him to act as host in some ways.

“From the very beginning,” Áwet tells ESSENCE, “our goal with the flagship was to create a vibrant hub that fostered a sense of belonging, and this successful pop-up event embodies just that. This is a fantastic way to celebrate the start of AAPI month.”

Of the eleven brands presented within the pop-up, a lot of them have already achieved a high position and, due to this fact, increasing visibility on the style scene. Formal wear brand items hoe were unveiled just months after the Chinese grunge label founded none apart from Kelly Rowland last Oscar season.

When it involves accessories, many labels have turned their attention to a global approach blocking (See Empty behaviorkitten-heeled football boots) and Indie Sleaze (see code hobo-chic Monkey Courageopen structure Jolin bag). Both works show the smallest details of on a regular basis life, subtly referring to cultural trends known from everywhere in the world. Underscoring all of the brands represented was an emphasis on thoughtful craftsmanship, leading to an overall character of accessible elegance. If you managed to participate, it was clear that there really was something for everyone.

Áweta’s ethos in design is inextricably linked to his narrative of private fortitude, anchored much more deeply in his respect for his family heritage. The narrative of world rebirth is shared by many artists and creators desperate to bring their work to New York markets. It is a tapestry of cultural diversity that has historically sustained the crafts that make the craft scene so unique. Stay up so far with the international indie design scene to search out more brands represented within the pop-up.


This article was originally published on : www.essence.com
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Health and Wellness

Regardless of what you may have heard, not all ultra-processed foods are harmful to your health

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In recent years it has been increasing hype across the potential health risks of so-called “ultra-processed” foods.

But latest evidence has been published this week found that not all “ultra-processed” foods are related to poor health. This includes the mass-produced whole grain bread you buy on the supermarket.

Although it is a newly published study and related editorial While they are unlikely to end arguments about how best to define unhealthy foods and diets, it’s crucial that these debates do not delay the implementation of policies that are likely to actually improve our diets.

What is ultra-processed food?

Ultra-processed food are industrially produced using various processing techniques. They normally contain ingredients you won’t find in your home kitchen, comparable to preservatives, emulsifiers, sweeteners and/or artificial colours.

Common examples of ultra-processed foods are packaged chips, flavored yogurts, soft drinks, sausages and mass-packaged whole grain bread.

IN many other countries, ultra-processed foods make up a big portion of what people eat. AND recent research it’s estimated that on average they constitute 42% of total energy consumption in Australia.

How do ultra-processed foods affect our health?

Previous studies linked increased consumption of ultra-processed foods to poorer health. For example, high consumption of ultra-processed foods is related to: higher risk type 2 diabetes and deaths from heart disease and stroke.

Ultra-processed foods are typically high in energy, added sugar, salt and/or unhealthy fats. These have been around for a very long time recognized as risk aspects for a number of diseases.

Ultra-processed foods are normally high in energy, salt, fat or sugar.
Olga Dubravina/Shutterstock

It has also been suggested that structural changes occurring in ultra-processed foods are part of the production process power lead to eating greater than you should. Potential explanations are that because of the way in which they are produced, foods are consumed faster and tastier.

This too possible Some food additives can impair normal body functions, comparable to how our cells reproduce.

Is it harmful? It is dependent upon the nutrients of the food

The latest paper Data from two large cohort studies spanning 30 years within the US have just been published to assess the connection between ultra-processed food consumption and long-term health. The study attempted to separate the impact of the production process itself from the food’s nutrient profile.

The study found a slight increase in the danger of premature death with higher consumption of ultra-processed foods.

But importantly, the authors also checked out food plan quality. They found that for individuals who ate a high-quality food plan (wealthy in fruits, vegetables, whole grains, and healthy fats and low in sugary drinks, salt, and red and processed meats), there was no clear relationship between the quantity of ultra-processed foods , which they consumed and the danger of premature death.

This suggests that overall food plan quality has a stronger impact on long-term health than the consumption of ultra-processed foods.

The man is cooking
People who eat an overall healthy food plan but still eat ultra-processed foods are no more likely to die prematurely.
Grusho Anna/Shutterstock

When researchers analyzed ultra-processed foods by subcategory, mass-produced whole-grain products, comparable to supermarket whole-grain breads and whole-grain breakfast cereals, showed no association with poorer health.

This finding suits with one other recent study test This suggests that ultra-processed whole grain foods are not the cause of poor health.

The authors concluded that while there was some support for limiting consumption of certain types of ultra-processed foods for long-term health reasons, not all ultra-processed foods needs to be subject to universal restrictions.

Should dietary guidelines discourage ultra-processed foods?

Existing national dietary guidelines have been developed and refined based on many years of dietary evidence.

Much of the newest evidence about ultra-processed foods tells us what we already knew: that products like soft drinks, alcohol and processed meats are harmful to health.

Dietary guidelines generally They already recommend eating mainly whole foods and limiting the consumption of highly processed foods high in refined grains, saturated fats, sugar and salt.

But some nutrition researchers do called on amending dietary guidelines to recommend avoiding ultra-processed foods.

Based on the available evidence, it could be difficult to justify adding the novel statement to avoid all ultra-processed foods.

Advice to avoid all ultra-processed foods would likely have an unfair impact on low-income people because many ultra-processed foods, comparable to supermarket breads, are relatively inexpensive and convenient.

Whole grain breads also provide essential nutrients comparable to fiber. In many countries, bread is known as best contribution for fiber intake. Therefore, it could be problematic to recommend avoiding whole grain bread from the supermarket simply because it’s ultra-processed.

So how can we improve our food plan?

It’s strong agreement on the necessity to implement evidence-based policies to improve population nutrition. This includes laws limiting kid’s exposure to the marketing of unhealthy foods and types, mandatory health star nutrition information on labels, and taxes on sugary drinks.

Soft drink on the supermarket shelf
Taxes on sweet drinks would cut back their consumption.
MDV Edwards/Shutterstock

These principles are based on well-established systems for food health classification. If latest evidence emerges concerning the mechanisms by which ultra-processed foods cause health harm, these classification systems might be updated to bear in mind such evidence. If, for instance, certain additives are found to be harmful to health, this evidence could be incorporated into existing nutrient profiling systems comparable to Star health rating food labeling scheme.

Therefore, policymakers can confidently proceed to implement food policy using the food healthiness classification tools we already have.

These include unhealthy food plan and obesity best contributors to poor health. We cannot allow the hype and academic debate about “ultra-processed” foods to delay the implementation of globally beneficial policies to improve population diets.

This article was originally published on : theconversation.com
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Health and Wellness

Here’s how the national cycling club is paying tribute to a black cycling legend and making the sport more accessible

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Courtesy of Seitu Barnes

May is National Bicycle Month and a conversation about Black history and cycling would not be complete without talking about Marshall Walter “Major” Taylor. He was the undisputed GOAT –Schwinn Bicycles calls him “the greatest sprinter of all time.” He won quite a few competitions and world titles, set many world records and was considered one of the first black celebrity athletes.

Between 1898 and 1899, Taylor “set seven world records” in the distances of a quarter-mile, one-third mile, half-mile, two-thirds mile, three-quarters mile, one mile, and two miles. At the time, racism was common, especially in the world of cycling, and when he was allowed to race, Taylor “often had to deal with insults, fouls and outright sabotage (such as having ice water thrown at him and nails hammered into the track) by both competitors and spectators.”

Unfortunately, though almost 100 and twenty-five years have passed since Taylor’s dominance, the legacy of exclusion still stays. “Not enough African Americans are involved in professional cycling,” said Dereka Hendon-Barnes, president of the Major Taylor Iron Riders.

Here's how this national cycling club is paying tribute to a black cycling legend and making the sport more accessible
Courtesy of Seitu Barnes

The data supports these claims. “Cycling is one of the whitest sports in the world” – sports website Andlandscape reports. “During the 2021 International Cycling Union (UCI) world tour – which hosts the sport’s most important races, including the Giro d’Italia and the Tour de France – less than 1% of cyclists were Black.” Additionally, there have been no black competitors at the 2022 Tour de France. A yr earlier, there was just one “black cyclist” in the peloton: Nic Dlamini, the first black rider from South Africa on the route. There are many reasons for the lack of diversity and inclusion in cycling in any respect levels, from a lack of coverage to an exclusionary history, the sport often seems reluctant to move past the issue.”

“It’s not just black and brown people represented in cycling. They are also women,” Hendon-Barnes continued. Only in 2021 for the first time Black woman joined a “professional road cycling team”. Ayesha McGowan didn’t make her racing debut until she was 26, but as she told Olympics.com, “A giant a part of this journey for me has also been to create space for other people to do that and hopefully show other black women, African American women , women of color that they’ll race bikes.”

There are cycling groups throughout the country inspired by Major’s work Taylor’s legacyresembling Major Taylor Iron Riders in New York, want to change that and increase the variety of black and women cyclists.

Here's how this national cycling club is paying tribute to a black cycling legend and making the sport more accessible
Courtesy of Seitu Barnes

Like McGowan, Hendon-Barnes also took up cycling later in life. She told ESSENCE how her brother inspired her to take up the sport and she would take the train to “Brooklyn, go to South Street Seaport, and I’d rent this bike day-after-day. One summer I used to be literally just exploring, getting lost on my bike in the city. It struck me that I remembered the joy I had as a child riding my Huffy with a basket on the handlebars, riding around the neighborhood and the freedom of being on a bike.

Major Taylor Iron Riders (MTIR) was officially founded in 2006, something Barnes explained was born out of necessity. Before MTIR, there was the Element Tour, which was began by “a few sisters who liked riding bikes and felt like they weren’t accepted or included in what they were doing, so they started doing what they did.” But when people wanted to ride fast, MTIR stepped in, and a part of the name Iron Riders “came from the Buffalo Soldiers, black infantry who rode bicycles during the war.”

“In 1897, the all-black twenty fifth Infantry Regiment Bicycle Corps launched into a powerful bicycle ride of over 3,000 miles from Fort Missoula, Montana to St. Louis, Missouri as a part of a U.S. Army experiment to determine the effectiveness of moving troops on bicycles,” the article reads Missouri State Parks website. “The journey, called the ‘Great Experiment’ in national newspapers, lasted 41 days.”

For Hendon-Barnes, increasing representation is crucial. “It’s not for lack of talent. It’s a lack of resources. It costs a lot of cash to do that. You have to be at the very top to be invited or to give you the option to get to the training facilities. Moreover, “people have no idea about it at all because they just don’t see someone who looks like them doing it.”

Hendon-Barnes is hopeful about the way forward for integration in sport. “I have a constant rule, whether you are in a club or a racing team: you will have to work, but you will never be left behind.”

This article was originally published on : www.essence.com
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