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Category Archives: Personal Empowerment

New at the Mu: Women of Resilience Exhibition – Massillon Independent

Posted: April 19, 2021 at 7:07 am

Margy Vogt| Special to The Independent

TheMassillonMuseumsWomen of Resilienceexhibition curated by Priscilla Roggenkamp, Judith Sterling, and Patricia ONeill Sacha can be viewed in MassMus Aultman Health Foundation Gallery through May 23.Theexhibition complementsthethemes of this years NEA Big Read book selection,Circeby Madeline Miller.

Exhibiting artists include ClareMurray Adams, Ruthie Akuchie, Kathleen Browne, Heather Bullach, Sarah Curry, Annette Yoho Feltes, J. Leigh Garcia, Laura Kolinski-Schultz, Charmaine Lurch, Sarah McMahon, ErinMulligan, MichelleMulligan, Patricia ONeill Sacha, Mary Kaye ONeill, Cynthia Petry, Priscilla Roggenkamp, Judith Sterling, Sylvia Treisel, Gail Trunick, Michele Waalkes, Gwen Waight, Jo Westfall, Gail Wetherell-Sack, Laurel WintersandKiana Ziegler.

Artists were tasked with creating art representing positiveattributes ofthewomens movement and female superheroes.Their artwork is an array of styles and materials painting, clay, jewelry, fabric, and mixed media. Fifty works of art are included.

TheWomen of Resilienceexhibition is part of local and national celebrations ofthecentennial of womens suffrage, Roggenkamp said. Twenty-five artists have explored a variety of topics in traditional and non-traditional media … personal empowerment, overcoming barriers,thecapacity to recover, acts of strength and resistance, and healingtheworld and ourselves.Twenty-three oftheartists are from Ohio.

Visitors totheWomen of Resilienceexhibition can also seeAndrea Palagiano: Self-Conscious(through April 25) in Studio M;Massillons Pro and Semi-Pro Teams, 18901926andMassillon Womens Tiger Teams from Gym Class to Title IXinthePaul BrownMuseum;theImmel Circus; and exhibits intheMassillon History Gallery,theAlbert E. Hise Fine and Decorative Arts Gallery,thePhotography Gallery, andtheFlex Gallery.Free copies ofCirceremain availableattheMuseum.


WhatWomen of ResilienceExhibition

WhenThrough May 23. Hours are 9:30 a.m. to 5 p.m. TuesdaysSaturdays; and 2 to 5 p.m. Sundays.

WhereMassillonMuseum, 121 Lincoln Way East, Massillon., or 330-833-4061.

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FinLocker Partners with EPM on Financial Wellbeing App –

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The new application helps first-time homebuyers and low- to moderate-income consumers prepare to buy and own a home, according to its creators.

St. Louis, Missouri-based FinLocker, a leader of next-generation, digital, consumer-permissioned personal financial assistance tools, has partnered with Equity Prime Mortgage (EPM), an independently owned national mortgage lender based in Atlanta, Georgia, to provide the FinLocker app to its first-time homebuyers, low-to-moderate income consumers in underserved communities, especially the Hispanic community, and their existing borrowers across 49 states.

EPM has white-labeled its FinLocker application "Empower," reflecting the company's mission of providing their customers and partners "Freedom Through Empowerment."

This partnership aims to empower consumers with the financial tools and educational resources to improve consumers' financial literacy and financially prepare them to qualify for a mortgage.

Additional tools will sustain the new homeowners' financial health, enable them to monitor their home's value and equity, and achieve their next financial goals.

"As a national mortgage lender, EPM is committed to expanding the opportunities to lend in the communities we serve," said Eddy Perez, CMB, EPM's Founder and CEO, who also serves as the Chairman of the Corporate Board of Governors for The National Association of Hispanic Real Estate Professionals. "As a first-generation Cuban American who has found my piece of the American dream, I want to provide the same opportunity to more consumers in underserved communities. EPM will be making the Empower app available free of charge to our borrowers, so they have the opportunity to achieve their American dream and start to build their personal wealth through homeownership."

Consumers will use the EPM Empower personal financial well-being app to build credit, manage their finances, reduce debt, create budgets and goals to save for their down payment and closing costs. After closing on their home, the new homeowners will continue to use their Empower app powered by FinLocker to maintain their credit and positive financial habits so that they can become successful homeowners.

"The primary reason for mortgage denial among first-time homebuyers, particularly in underserved communities, is credit history and a low credit score, two barriers to homeownership that FinLocker can help aspiring homeowners overcome," said Brian Vieaux, President, FinLocker.

"The growth of Hispanic households is on a sustainable upward trajectory, and young Hispanics have a strong aspiration for homeownership. We are committed to serving all consumers, so some of the homebuying educational resources are available in Spanish, too, to give more of EPM's consumers an equal opportunity to improve their finances and prepare them for the financial responsibilities of homeownership."

More about EPM

EPM was founded at the height of the mortgage crisis in 2008 and has grown to become one of the leading mortgage lenders in the U.S., operating 18 office locations across the nation. EPM strives to offer top financial service, communication, and assistance to the communities we serve.

... and FinLockerFinLocker provides a comprehensive personal financial well-being app that financial institutions, mortgage originators, and credit counselors can white-label, and provide to their customers to create goals, save, budget, monitor credit, manage debts, and receive net worth and cash flow analysis, to achieve their financial goals. Within the FinLocker app, users can take a readiness assessment before applying for a mortgage, begin their property search, and securely store personal and financial documents, which can be transferred to a lender directly from the app to start their loan application. Financial service providers utilize FinLocker to generate and convert leads, gain market share, cross-sell value-added products, reduce loan processing costs, decrease risk, and create customers for life.

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Infusing love into academia: Falon Crosby – Vancouver Island University News

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Vancouver Island Universityssuluqwa Community Cousins Aboriginal student mentorship programis celebrating its 10thanniversary in September 2021. In honour of this important milestone, we are sharing stories of people closely connected with the program every month leading up to the anniversary. Stay tuned for a celebration of this important milestone in February 2022 when we hope to be able to gather in-person.

The suluqwa Community Cousins program builds capacity for mentors to gain leadership and employability skills through outreach and mentoring activities. Students hone skills in self-awareness, communication, leadership, self-care and an exploration of personal values, with an emphasis on telling ones story as a path to self-empowerment through outreach to others.

In the final year of her Bachelor of Education Post-Baccalaureate degree, Falon Crosby is gearing up for a career as an elementary school teacher. She intends to bring Indigenous perspectives into the classroom, sharing what she has learned through her program and through the Community Cousins to make a positive impact on students as they navigate colonial systems.

I wanted to connect with community, culture and learn more about who I am and my ancestral ties. I am proudly a woman of blended ancestral origin: Shshlh, Quwutsun, Tsimshian (Kitselas: Laxgibuu), English, Welsh, Norwegian, Irish, Swedish, French, Scottish, Hawaiian, Japanese and Central and South American.

I received my certificate of recognition for the suluqwa Community Cousins Aboriginal Mentorship Program in December 2015. I have been involved with the Cousins while completing various degrees over the years. However, the past two years have brought particular depth and meaning. There have been so many invaluable teachings. The skills that I have gained through the program include but are not limited to:

Additionally, I have learned through the Elders teachings and from my peers about how to navigate colonial systems in a good way. I tend to take myself far too seriously and it has been such a joy connecting with the Cousins and the Elders. One key takeaway is the incredible gift of connecting with other Indigenous scholars on their journeys.

Colonization left my path fraught with many misconceptions about different Nations and my own lineage. My journey with the Cousins has been one of truth-telling and honouring each others stories. The program has played a strong role in helping me to shed the fear and shame of honouring my Indigeneity, as well as learning to stand strong as an Indigenous woman. Its more than just a mentorship program; its a family. The bonds made are truly from the heart; the program infuses love into academia.

I am passionate about helping others overcome personal and systemic obstacles. I would like to bring cultural perspectives into school systems, which have historically been unsafe spaces for Indigenous peoples. My academic achievements, as well as personal and professional development, will enable me to make a positive impact within systemic structures. I have spent considerable time reclaiming my ancestral lineage and actively decolonizing my mindset. Diverse representation in academic settings helps ensure equitable treatment of Indigenous peoples within colonial structures.

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The 40 Best Comedies on HBO Max – Vulture

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School of Rock. Photo: Andrew Schwartz/Paramount/Scott Rudin Prods/Mfp/New Century/Sor Prods/Kobal/Shutterstock

This article is updated frequently as titles leave and enter HBO and HBO Max. *New additions are indicated with an asterisk. Dont have HBO Max yet?You can sign up here.

HBO Max has one of the deepest and most impressive catalogs of any streaming service in the world, and their selection of comedies reflects the dense quality of their catalog overall. Theres a little bit of something for anyone looking for something to make them laugh, from silent classics to recent hits. Pick your favorites, and then come back here for more.

In the subgenre of body-swap comedies, this is one of the sweeter entries, a nice showcase for Jennifer Garner and one of the lighter pieces of escapism you can find on HBO Max. Garner plays a 13-year-old girl who wishes she could be popular and wakes up to find out that shes now 30. Just enough nostalgia and self-empowerment mix in this sweet fable that co-stars Mark Ruffalo, Judy Greer, and Andy Serkis.

Long before he tackled Harry Potter, Chris Columbus made his directorial debut with this 1987 comedy about a long night for a Chicago babysitter. Elisabeth Shue plays Chris Parker, a 17-year-old who gets stuck babysitting an eight-year-old girl and eventually her 15-year-old brother. She ends up taking them downtown to save a friend and, well, things dont go well.

Martin Scorsese directed this fantastic comedy about an ordinary guy who has the longest night of his life. Released in 1985, After Hours stars Griffin Dunne as a guy just trying to get home from Soho on one crazy night. Scorsese won Best Director at Cannes for this great comedy.

Shari Springer Berman and Robert Pulcini wrote and directed the 2003 biopic thats as strange as its subject: the one and only Harvey Pekar. The film features fantastic work from Paul Giamatti, Hope Davis, Judah Friedlander, and James Urbaniak, who plays the inimitable Robert Crumb.

Mike Myers never could have imagined that his goofy superspy parody would launch a franchise, but all three films about Austin Powers are on HBO Max, just waiting for a rainy-day marathon. The reason these movies work is Myerss complete fearlessness hell do anything to make you laugh.

Hal Ashby (Harold & Maude) directed an adaptation of Jerzy Kozinskis satirical novel of the same name, and the result is one of the best comedies of its era. Its also one of Peter Sellerss most unforgettable performances. The man who played Inspector Clouseau stars here as Chance the gardener, a man who sort of wanders aimlessly into the sphere of the President of the United States, played by Jack Warden. Melvyn Douglas won an Oscar for his supporting work here.

Movies dont get funnier than Christopher Guests brilliant mockumentary about people obsessed with their canine counterparts. Reuniting with most of his favorite colleagues and friends after the success of Waiting for Guffman, which is also on HBO Max, Guest and his ensemble dropped what is quite simply one of the best comedies ever made.

The 1989 flick stars Alex Winter and Keanu Reeves as the title characters, a pair of average California teens who go back in time to complete their high school history class presentation. Hysterical and influential, Excellent Adventure has held up beautifully, and so has its sequel, Bill & Teds Bogus Journey, also on HBO Max.

Adam Sandlers feature comedy debut is over a quarter-century old. Now that everyone feels ancient, take the nostalgic pick-me-up and watch this goofy comedy that announced the SNL star as a major movie talent. It really defined his man-child persona, one that hes still working to this day.

One of Eddie Murphys top performances is in this 1999 satire from the great Frank Oz. Steve Martin stars as a filmmaker who is trying to make a film so low-budget that his star doesnt even know hes in the movie. Martin also wrote the script, which is razor sharp and consistently hysterical.

Kevin Smiths best film is also one of his most personal, the story of a man who falls in love with a lesbian and destroys his friendship in the process. Smith has never been better than he is here at capturing believable, funny human relationships, and he gets his best acting work of his career as well from Ben Affleck, Joey Lauren Adams, and Jason Lee.

Charlie Chaplin helped define comedy in his string of major motion pictures, and City Lights is one of his most beloved works, a romantic comedy that centers Chaplins Tramp character in a love story with a blind girl and a friendship with an alcoholic millionaire. There are several Chaplin classics on HBO Max. Consider this an entry that recommends watching all of them.

Billy Crystal was at the peak of his fame here. The 1991 blockbuster comedy that was so popular that it won co-star Jack Palance an Oscar. Crystal stars as an average guy who channels his mid-life crisis into a week on a cattle drive with two of his best buddies, played by Daniel Stern and Bruno Kirby.

Kevin Smith rocked the indie-filmmaking world with a comedy that was shot for almost nothing and became a worldwide hit. No one could have expected that Clerks, filmed at the convenience and video stores at which Smith worked in real life, would still be influencing writers a quarter-century later.

Robert Zemeckis (Back to the Future) directed this twisted horror comedy way back in 1992 and its themes of superficiality and wealth have kept it current, along with fearless performances from Meryl Streep, Goldie Hawn, and Bruce Willis. The two actresses play rivals who drink a potion that promises eternal youth, and things get zanier from there.

One of Albert Brookss best films, this 1991 comedy is about a man (played by the writer-director) who dies and discovers that the afterlife includes a trial where one must answer for their life decisions before moving on to the next plane of existence. Brooks is charming, as is the wonderful Meryl Streep.

Richard Dreyfuss and Bette Midler are perfect in this 80s classic as a pair of rich socialites whose life is turned upside down when they save the life of a suicidal homeless man, played by a perfectly cast Nick Nolte. Some of it is a bit dated now when it comes to social and class issues, but the cast and sharp writing for its era make it work.

Long before he was an Oscar darling, David O. Russell wrote and directed this indie comedy starring Ben Stiller, Patricia Arquette, Tea Leoni, Mary Tyler Moore, George Segal, Richard Jenkins, Josh Brolin, Alan Alda, and Lily Tomlin. What a cast, right? Stiller plays a guy trying to find his biological parents, with hysterical results.

Barry Sonnenfeld directed one of the better adaptations of an Elmore Leonard novel and anchored it with one of John Travoltas most memorable performances. Its a perfectly calibrated comedy with phenomenal performances all around, including Rene Russo, Danny DeVito, Delroy Lindo, and Gene Hackman. (The sequel, Be Cool, is also on HBO Max.)

Sometimes a comedy needs great writing. Sometimes a comedy just needs to cast two legends and point a camera at them. Such is the case with 1993s Grumpy Old Men, which reunited Odd Couple stars Walter Matthau and Jack Lemmon and just let them do what theyre best at.

Netflix may have all those new Adam Sandler comedies, but HBO Max has the classics. Just ignore (most of) the recent stuff and go back to the beginning with Happy Gilmore, which for my money is still Sandlers funniest movie overall.

Stephen Frears directed an adaptation of the beloved 1995 Nick Hornby novel, and the result is one of the best films of John Cusacks career. The actor plays Rob Gordon, a Chicago music store owner who struggles with relationships and responsibility. Its a smart, funny movie with a fan base that has only grown in the two decades since its release.

Only two-thirds of what is referred to as Edgar Wrights Cornetto Trilogy is on HBO Max (The Worlds End is missing), but Hot Fuzz is probably the best of the bunch anyway, so its okay. The movie is not just a parody of dumb action movies but a love letter to flicks like Point Break and Bad Boys too. The best parodies come from fandom, and this is definitely one of the best.

Nicole Holofcener wrote and directed a great character study starring Catherine Keener, Brenda Blethyn, Emily Mortimer, and a young Jake Gyllenhaal. Its really just a film about a believable woman and her daughters, but Holofcener and her cast find so much truth in the comedy to make these people feel real.

Whit Stillman made his directorial and screenwriting debut with this clever 1990 film about a group of rich kids in Manhattan. Its a simple movie thats more reliant on witty dialogue and the texture of its setting than narrative, but its an incredibly smart, too, and earned Stillman an Oscar nomination for Best Original Screenplay.

Martin Brest directed one of the best 80s buddy comedies in a charming gem that paired Robert De Niro and Charles Grodin. The Oscar winner plays a bounty hunter assigned to bring back Grodins embezzling accountant, who stole money from the Chicago mob. Grodin and De Niro have perfect comic chemistry.

Compare and contrast the Chevy Chase comedy classic with the remake starring Ed Helms, as both are now on HBO Max (along with European Vacation). Youll find that the original is clearly better, a wonderfully constructed piece of 80s comedy that features Chevy Chases best onscreen performance.

The 1940 George Cukor classic revitalized Katharine Hepburns career, but it also features incredibly charismatic performances from Cary Grant and Jimmy Stewart opposite her. Hepburn plays a divorced woman who is about to marry again when her ex-husband (Grant) and a reporter (Stewart) complicate things. Its clever in ways that would redefine comedy, and its still influencing the genre.

Shockingly, Mel Brookss directorial debut wasnt that well received when it was released, but the film went on to develop a very loyal following over the years, leading to a Broadway musical version and even a remake. HBO Max has the classic original, the one that stars Zero Mostel and Gene Wilder as a pair of producers who try to make the biggest flop they can and fail.

Richard Linklater directed Jack Black at the height of his career in this 2003 movie about a guitarist who becomes a substitute teacher at a prep school and, yes, teaches the stuck-up kids there how to rock. Its got a huge heart and one of Blacks most lovable performances.

The true genius of Edgar Wrights 2004 horror-comedy is that it takes both sides of its clever genre coin completely seriously. Yes, the story of a zombie attack on a small British town is laugh-out-loud hysterical, but this is also a legitimately great horror movie at the same time. It kicked off Wrights Cornetto Trilogy, followed by the also-fantastic Hot Fuzz (also on HBO Max) and The Worlds End.

Movies dont get more delightful than this beloved classic about backstage drama on the advent of the talkie. Gene Kelly, Debbie Reynolds, and Donald OConnor are as charming as charming can be, and the movie contains some of the best choreography of its era, and not just in the titular number. Its joyous from front to back.

Every few years, a comedy comes completely out of nowhere and taps something in the zeitgeist that makes everyone involved a star. No one knew who Jon Favreau and Vince Vaughn were the day before Swingers came out, but it launched them into the celebrity sphere, where they still reside. This movie is still money, baby, as it captures the posturing of young men trying to get work and get laid in Hollywood in the mid-90s.

All mockumentaries owe a massive debt to Rob Reiners 1984 directorial debut. Christopher Guest, Michael McKean, and Harry Shearer made musical and comedy history when they stepped into the leather boots of Spinal Tap, one of Englands loudest bands. While a lot of comedies from the 80s are dated, this one still lands every single joke.

Arguably the best of the Christopher Guest ensemble improvised comedies. The brilliant 1996 mockumentary about a community theater group led by the unforgettable Corky St. Clair (Guest himself) allows so many brilliant comedic talents a chance to shine, including Eugene Levy, Catherine OHara, Fred Willard, and Parker Posey.

Bruce Robinson wrote and directed this 1987 black comedy, which became a massive cult hit in the era of VHS. The wonderful Richard E. Grant plays one of two unemployed actors who share a flat in Camden in 1969 and head off on a weekend holiday. They drink a lot and generally hate the world. Everyone could see a little of these two nihilists in themselves.

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Consumers Shifted Credit Payment Behaviors in the US and Other Global Markets as a Result of COVID-19 –

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CHICAGO, April 14, 2021 (GLOBE NEWSWIRE) -- In times of crisis, repayment prioritization of credit products often provides a clearer view of how consumers are meeting the financial burdens they face. A new TransUnion (NYSE: TRU) Global Payment Hierarchy study found that the COVID-19 pandemic had a pronounced effect in a short period of time on how people paid their debts, particularly when faced with financial stress. In the United States, the changes were prominent across multiple credit products, with consumers clearly prioritizing their mortgage loan payments over auto loans and credit cards.

TransUnion has tracked payment hierarchy dynamics for more than a decade, including how these patterns changed in the U.S. following the Great Recession and in many other countries when they have encountered localized financial challenges, said Charlie Wise, head of global research and consulting at TransUnion. This study is unique in that it highlights how and why payment dynamics changed in different countries as a result of the COVID-19 pandemic a global crisis that has impacted consumers worldwide. These insights will better equip both financial institutions and consumers, fostering more trustworthy interactions between them as the world begins to normalize and recover from the pandemic.

Credit Cards v. Personal Loans What is the World Prioritizing?

TransUnion analyzed and compared trends for wallet profiles that are popular across the countries studied, including the United States, Canada, Colombia, India and South Africa. The study observed within each country those consumers with one or more credit cards and at least one personal loan, to identify if any changes took place in the payment hierarchy. To determine which credit product was prioritized over the other, TransUnion observed payment performance of the credit products over a 12-month time period, including whether or not one of the credit cards or personal loans went at least 30 days delinquent.

In the U.S., the study observed that personal loans were prioritized when consumers possessed multiple credit cards, though the gap between delinquency ratesindicating the degree of preferencenarrowed during the pandemic. Similar trends were seen in Canada and India, which suggests that credit cards took on increased importance during the pandemic and that consumers were more focused on keeping their cards in good standing by making timely payments.

A flip in the payment hierarchy happened during the pandemic in South Africa as credit cards were prioritized over personal loans, reversing the pre-pandemic hierarchy in favor of personal loans. Colombian credit usage showed no clear prioritization of either product until March 2020, when more value was placed on personal loans.

An interesting dynamic occurred in the U.S. and other countries wherein the payment hierarchy flipped for those consumers possessing only one credit card and at least one personal loan. In those cases, credit cards were prioritized during the pandemic, in contrast to the pre-pandemic preference for personal loans. In the U.S., this particular group comprised approximately 20% of the overall study population. This shift further demonstrates the increased importance of credit cards for consumers during the pandemic and the need to maintain access to this valuable source of credit. For those consumers with at least one credit card and at least one personal loan, on average, U.S. consumers possess three credit cards and one personal loan.

Personal Loans Mostly Prioritized Over Credit Cards

*30 or more day delinquency rate at 12 months for consumers who possess at least one credit card and personal loan.

But Dynamic Shifts if Consumers Only Possess One Credit Card

**30 or more day delinquency rate at 12 months for consumers who possess one credit card and personal loan.

Cash was clearly not king during the early parts of the pandemic. Millions of people opted to use their credit cards to make digital transactions from the safety of their home for groceries, clothes or other everyday items, said Matt Komos, TransUnions head of research and consulting in the U.S. If you only have one credit card and you were worried about visiting stores at the height of the pandemic, theres a strong likelihood you will preserve that card to continue spending and making digital transactions. If you possess three cards, though, its far more likely that you will go delinquent on one of them before you do so with a personal loan if you are facing financial hardship, as many consumers can continue to get by as long as they have access to at least one card.

These findings were corroborated by a global survey of 2,667 consumers who possessed credit products in Brazil, Canada, Colombia, Hong Kong, India, South Africa, the United Kingdom and the United States. Consumers across the globe recognized that there will be consequences if they miss at least one payment of any of their credit products. For instance, more than half (53%) of global respondents with a credit card said they expected to receive a call from their lender if they missed one payment.

The negative implication of a missed payment to a credit score was understood most by credit card and personal loan holders. Approximately 68% of credit card holders and 65% of consumers with personal loans said a consequence of a missed payment would result in a lower credit score. Comparatively, consumers with auto loans (55%) and mortgages (57%) were not as aware of this consequence.

Deeper Dive Into U.S. Payment Hierarchy Dynamics Shows Mortgage is Priority #1

In the U.S., TransUnion also conducted a payment hierarchy study focusing on the three most popular credit products in the country auto loans, credit cards and mortgages. Approximately 27.8 million consumers held all three loans as of Q3 2020, and mortgages were clearly prioritized over the other credit products. This dynamic has held true since Q4 2017.

The pandemic, though, has caused even greater prioritization of mortgages over the other credit products. For those consumers possessing auto loans, credit cards, and mortgages, the 30+ days past due delinquency rate at 12 months following observation was lowest for mortgages, at 0.75%, as of Q3 2020. Auto loans had the second lowest delinquency rate at 1.13%, followed by credit cards at 1.95%. This is very likely connected to the growth in home prices over the last several years as housing markets across the country have remained strong, and consumers desire to protect the equity in their homes. As well, as lockdowns and the shift to work/school from home permeated during the pandemic, keeping current on home loan payments took on increased importance in 2020.

Consumers Prioritizing Mortgages Above All Other Major Credit Products

**30+ days past due rate at 12 months for those borrowers possessing all three credit products.

Mortgage is once again the clear priority for U.S. borrowers, said Komos. The mantra, you cant drive your home to work doesnt have the same effect when millions of Americans are waking up, showering, eating breakfast and taking only a few steps to their home office.

In addition to more people working from home and rising home values, mortgage loan performance is likely benefitting from thousands of mortgage borrowers entering accommodation programs soon after the onset of the pandemic. The study points to both subprime and near prime credit risk mortgage borrowers benefitting the most from these programs as they were able to delay payments and maintain their accounts.

Similar to the global study comparing credit card and personal loan performance, prioritization of payments shifted if a consumer possessed only one card. Of the 27.8 million U.S. consumers in the study possessing an auto loan, credit card and mortgage, only 5.3 million people had one credit card in their wallet. For this subset of the population, mortgage remains the clear priority, but consumers with only one credit card valued it more than their auto loan beginning in Q2 2020. This shift suggests the heightened importance of maintaining access to at least one credit card as online commerce and digital transactions have become a daily necessity for many U.S. households.

Survey data highlight that U.S. consumers valued their mortgages over other loans because the credit product has the highest perceived value of all expenses. Furthermore, six in 10 U.S. consumers expected to receive a call from their lender if they missed one mortgage payment and more than half (52%) said their missed payment would have a negative impact to their credit score. Nearly one in five consumers (17%) said they would experience foreclosure or their home would be repossessed if they miss a mortgage payment.

The pandemic has changed so much in the world, but understanding why consumers are making important credit decisions only serves to better help the lending ecosystem in the future, concluded Komos.

To learn more about consumer payment prioritization shifts during the pandemic, register for TransUnions April 22 webinar here. For more information about TransUnions Global Payment Hierarchy Report, please click here.

About TransUnion (NYSE: TRU)TransUnion is a global information and insights company that makes trust possible in the modern economy. We do this by providing a comprehensive picture of each person so they can be reliably and safely represented in the marketplace. As a result, businesses and consumers can transact with confidence and achieve great things. We call this Information for Good.

A leading presence in more than 30 countries across five continents, TransUnion provides solutions that help create economic opportunity, great experiences and personal empowerment for hundreds of millions of people.

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Beth Simps is Empowering Women on Tik Tok with Business Blurb’s New Initiative – Influencive

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According to Inc, over the past two decades, the number of female entrepreneurs has increased by 114%. Women in business is the latest trend as more and more small businesses are being opened by female entrepreneurs. The popular business and entrepreneurial media conglomerate, Business Blurb has set out to emphasize that entrepreneurship is thriving amongst females.

Bethany Simpson has teamed up with Business Blurb to help highlight female-run businesses amongst their hundreds of thousands of followers.

Bethany Simpson, better known as Beth Simps is a rising social media star, with over 600,000 Tik Tok followers on her personal account. Simpson creates acting POVs and videos about what its like to attend a performing arts school. She is currently in her final semester at Columbia College in Chicago, with big plans to move to Los Angeles post-grad.

The media company also recently launched a new podcast called Women Running Businesses which is available on YouTube, Spotify, and most major streaming platforms. Francisca Li, a Honors Information Technology and Systems & Finance student at The University of Texas at Dallas is kicking off Season I as the host. The podcast is described as a weekly podcast that dives deeper into the minds of successful female entrepreneurs.

Business Blurb Women is a new initiative designed to highlight, inspire and empower female entrepreneurs worldwide. Brendan Cox, founder of Business Blurb, recently told Disrupt Magazine that Entrepreneurship is becoming more and more prominent amongst women around the world and we wanted to create a special platform to highlight female visionaries in the business space.

Along with running her personal Tiktok account, Bethany also creates content for Business Blurb Women. This page centers around videos of motivational speakers, womens empowerment, and unique examples of female entrepreneurs in the business industry. She uses her already-established personal platform to do so, by encouraging her audience (which is made up of of mostly young girls) to follow Business Blurb Women.

When I asked Simpson why she decided to team up with Business Blurb Women, she emphasized that I aim to be a positive light for the young girls who watch me. I aim to inspire them to be the best versions of themselves, and Business Blurb Women was the perfect opportunity to do just that.

Published April 17th, 2021

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She Kills Monsters brings empowerment and fantasy to the stage – The Volante

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The play will premiere via livestream at the Knutson Theatre April 22-25. Submitted | The Volante

The upcoming USD production of She Kills Monsters empowers women through adventure and growth. Premiering via livestream at the Knutson Theatre April 22-25, She Kills Monsters brings strong, complex LGBTQ+ characters to the stage.

Senior theatre studies major and acting, stage management and technical directing emphasis, LD Dowell plays Tilly in She Kills Monsters.

Dowell said her character builds strong relationships between the other characters in the play and builds a community on stage.

Director Ann-Houston Campbell uses different techniques to add depth the characters, Dowell said.

We have done a lot of journaling work and (Campbell) has encouraged us to think about a lot of different aspects of the show and our characters and this has helped us to develop unique relationships with each other that are true to the story, Dowell said.

She Kills Monsters was written by Qui Nguyen and centers around Agnes who has lost her family in a car accident. The plays combines reality and fantasy to empower the female and LGBTQ+ characters.

Freshman musical theatre major Skyla Sanders plays Kaliope/Kelly in the production.

Sanders said her character brought new challenges to the role.

One challenge that Ive faced in my role is portraying a character who isnt an everyday human being, but instead, a creature who exists because of a game, Sanders said, Its forced me to find a new approach to knowing my motives for the choices I make and the things I say.

Since the production faces heavy topics such as sexuality, Dowell said Campbells directing has helped her to separate herself from her character.

One thing (Campbell) has done that has helped us is the putting on of our characters at the beginning of rehearsal and the taking off of our charactersat the end of rehearsal, Dowell said, The exercise can help the actor differentiate the characters heavy topics versus the actors personal topics and emotions.

Sanders said she enjoys being part of She Kills Monsters because it is a new type of play at USD.

This is definitely a stand-out production at USD because it includes themes of female empowerment, mourning, and the LGBTQ+ community, Sanders said.

Sanders also said the play has been a learning experience about energy and performing as an actor .

Ive learned that theatre is really built on energy; the energy of one person can affect everyone around them and can affect the quality of the performance and the energy of an audience can have a tremendous amount of impact, Sanders said.

To learn more about the production or to attend the livestream performances, visit

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Kid Cudi’s Off-White SNL Appearance Is Another Sign That Dresses For Men Are Becoming the Norm – GQ

Posted: at 7:07 am

Cudi and I have history that goes back 10 years. He was on the set of a film shooting on an odd time zone and goes, I need a dress for SNL. I said, Say no more. Im on it.

The silhouette differs from Kurts dress, which is more grunge girlborrowed from Courtney (or one of her acolytes). This ones more borrowed from a hot woman at brunch, or the bridesmaid stealing the show at her best friends wedding. Can you say more about the silhouette?

100%, youre catching the nuance. For me, this moment exemplifies the power garments possess to tell a story. Thats the essence of Off-White since its inception. Derail the notion that fashion only tells stories that my culture consumes, but harness the potential and tell our own stories.

Garments travel. That dress and all Cudis looks have an homage to Kurt Cobain and Chris Farley. The heritage of the setting was important from the beginning. The dress fits the way it does precisely on purpose. It doesnt cop out at the very end and get loose at the top so it looks more safe. No, its a dress from a loved ones closet. Cudi and I are faux against the grain for fun, we really are independent thinkers.

For me, it represents personal empowerment despite any social norm. It vehemently represents confidence. Its Cudi knocking on your television screen saying, Hey! Be yourself. Day one fans of Cudi know that he isnt the norm. He has only ever been himself.

Tell me about the word PATTERN across the bodice of the dress? Pattern like a cut and sew dress? Pattern like Kurt wrote the rule book?

Off-White has a history with the word Pattern on all over prints. Its an entendre to mean all things. In my mind, thats how garments leap from reality to mean something more. So youre onto it all. It means it all.

The dress and the skirt seem to be taking over menswear. You had a lot of them in your LV show; weve got Harry in Chopova skirts and Gucci gowns... and the wearers always look so at ease, liberated. And of course they do: dresses are comfortable! (No wonder Greek philosophers wore them.) What Im getting at is where you think the dress fits into the landscape of menswear now? As Cudi demonstrated, it now seems less about provocation (as it did with, say, the NY Dolls, or even perhaps with Thugga) and more about comfort and freedom. But maybe you disagree! Is the dress displacing the mens suit as the norm from which other fashion deviates or derives? Or do you see it in another way?

The beauty about now, is our generation, piece by piece, can dismantle norms. 2020 was a year of reckoning about how the system in place that governs us as people is out of date. My work exists in the space of pop culture. Gender norms and racial freedoms are amongst the most important things in society that need to be updated. As a fashion designer, moments like this let me know that there is space for intellect and risk for the sake of expanding space. I could care less about the attention. I hope today theres some kid in middle America that feels empowered by what Cudi used our privilege and platform to do.

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The Ms. Q&A With Ani DiFranco: You Have License To Be All the Aspects of Yourself and To Be Unashamed of Them – Ms. Magazine

Posted: at 7:07 am

Feminists are so often stereotyped as humorless beings by a world that doesnt seem to understand what an uphill battle this life can be for a woman, certainly for a feminist, said musician Ani DiFranco. (Daymon Gardner)

When feminist icon Ani DiFranco first stepped onto the global music scene with a defiant voice and black combat boots, she was just 19 years old.

She had an urgency about her: a mission to publicly dismantle the patriarchy with a charge for her fans to do the same. She was creating her own music, writing song after song in a catalogue that would eventually span to a 20+ album career. She was creating her own record label tooRighteous Babe Recordswhich would not only elevate her voice but also catapult other women into the recording business. She was also educating herself. By age 20, the songwriter was taking classes at The New School in New York, including Feminism 101. She was attempting the complicated tightrope between feminist theory and practice.

Today, when Ani DiFranco speaks, its easy to hear all of that work and care in her voice. She is deeplythoughtful when reaching for language, in a manner that makes evident all the years she has spent having difficult conversations about progress. When she speaks, you can almost see her underlining Audre Lorde and Adrienne Rich in Feminism 101. You can imagine her chatting with Pete Seeger. Learning tactics. Making mistakes. Expanding her ideas of inclusion. Deepening the kind of spirit required to create real and lasting change.

Ms. spoke with DiFranco in the lead up to her April 18 livestream concert, celebrating the release of her new album Revolutionary Love. She spoke with us about poetry, feminism, domestic abuse, shame, allyship and places where vulnerability and strength can co-exist. She was calling in from New Orleans, with her children and dog moving through the background and her head newly shaved. At age 50, she could still feel traces of her younger self and the epic journey that led her there.

Emily Sernaker: How has this time been for you, creativity-wise?

Ani DiFranco: Creatively getting off the touring train has allowed me space and time. I have two kids who are in virtual school. So, in a sense, I have no space or time because were constantly together. But thats also a blessing for somebody like me who was aching for more time with my kids because my job is travel.

Its allowed me to explore some other ideas that Ive had for a long time and never had a chance to, like Righteous Babe Radio. We launched this free 24/7 streaming internet radio, which is a lot of live music from me and my cannon, my musical community, a lot of poetry and spoken word, a lot of unique shows that were generating now. I host Woodys Voice, a biweekly conversation curated by the Woody Guthrie Center in Oklahoma. We also have a Putumayo world music show that were airing. Thats been an amazing new ride. A lot of time, a lot of energyno money. So, it doesnt solve the absence of touring.

Im working on a childrens book. Im working on a musical. All of these sort of long-term creative projects that I probably wouldnt have been able to shoehorn into my packing and unpacking lifestyle. Thats kind of cool, getting an opportunity to change it up creatively.

Sernaker: Its powerful that youre able to help so many artists through Righteous Babe Records. The folksinger Anas Mitchell of Hadestown actually spoke with Ms. about what your generosity meant to her.

DiFranco: Yes, Anas! There have been so many wonderful artists that have come through our house, stayed in it, and we got behind them for a while, and then they move on. And theres a lot of great artists currently working with Righteous Babe Records. 2020 was probably our busiest year for the label itself. We released so many records. The day that my record came out this February, we had two releases. Jocelyn Mackenzie also released a record on Righteous Babe.

Sernaker: For readers who arent familiar with the history of Righteous Babe, could you share what was like to create your own record label?

DiFranco: When I started Righteous Babe label, there was no there there. There was no office and telephone and staff. It was an idea. I made a cassette of my first album and I just wrote Righteous Babe Records on there in my little chicken scratch. It was my way of thumbing my nose at the corporate establishment. Its very anti-capitalism, or thats maybe not the right way to say it. I felt that this sort of hyper-capitalist society was to the detriment of culture, of art, of people, of just the human interests. I had this idea that I wanted to be an artist in the world without getting in that bed with those business bottom line minded people.

So, when I was 19, I started writing Righteous Babe Records on my tapes. After a year or two, I was driving around playing showswere talking one guitar and a 69 Beetle that I was traversing the country in. I had one or two tapes to my name. But the income started to be such that I could hire literally my best friend. Then my other good friend. Thats how the label itself really became a reality. From there, we just slowly grew over the course of a decade or two.

Here atMs., our team is continuing to report throughthis global health crisisdoing what we can to keep you informed andup-to-date on some of the most underreported issues of thispandemic.Weask that you consider supporting our work to bring you substantive, uniquereportingwe cant do it without you. Support our independent reporting and truth-telling for as little as $5 per month.

Sernaker: I love the story about adding babe into the title. You sarcastically used it to push back at what guys would say, right?

DiFranco: Right. I sort of simplified the story just then because youre right. In the beginning, I wrote Righteous Records because I felt that was just my way of expressing my dedication to my humanity. My idealism was: Im trying not just to make art, but make change. Then we found out there is a Righteous Records in Oklahoma. A gospel label, and we got in touch with them and they were like, Yeah, no, I think well keep that name exclusively. Thanks. So yes, putting the babe in there then was not just my earnest dedication to the cause, but my humor came into it at that point, which I think was really good in the end.

Im sure maybe you knowfeminists are so often stereotyped as humorless beings by a world that doesnt seem to understand what an uphill battle this life can be for a woman, certainly for a feminist. I think that the babe in the name definitely cuts that off at the pass.

Sernaker: You just mentioned that you seek to be a changemaker in addition to an artist, which also comes up in your new music video Do or Die. Youre modeling protest as an individual and are endorsing the Breathe Act at the end of the video.

DiFranco: This summer I was out there on the street as often as I could and joining the protest for racial justice. It was uplifting to be with thousands and thousands of people every day and to look around and say we are the majority. That was a very visceral, real, experiential [feeling] this is America. It is diverse and rejoicing in diversity, showing that we understand our diversity is our strength, and we understand that no one can be free until were all free.

The challenge then becomes to translate that energy and groundswell of protest from the streets, to the halls of power. How do we translate this into systematic change? Because, of course, we understand that racism is sewn into our systems, our laws. When I discovered those incredible Congresswomen doing the work in the Breathe Act, I thought: here it is. Theyre engaging with every modern civil rights organizing entity. Its a huge coalition. They are attending to every aspect of what racial equality and systematic means.

Sernaker: You definitely emphasize the word we in the lyrics to Do or Die. Theres a feeling of you addressing the listener, including them in the conversation, right at the top of the record.

DiFranco: I feel like that line right there in the song Do or Die speaks to the whole album. Each of the songs exists in that place of damaged relationships and some of the songs are very personal. Im talking about my personal relationships and trying to recover from traumas that we inflict on each other. From the damage that has been done without abandoning my family and that, of course, that metaphor applies exponentially outward.

The human family cant divorce each other. Cancel culture is not the answer. When somebody, anybody, makes a mistake or treads on their fellow humans, we have to find a way of dealing with that because we cant kick each other off the planet. The quest becomes: how to be the end of a cycle of violence. The violence tends to just go back and forth, back and forth between people. We need to figure out how to say it stops here and I am going to meet even my opponents with revolutionary love.

Sernaker: I actually heard you speak about this. It was a really gripping moment at your book release at The New School auditorium here in New York. I dont know if you remember. The Q&A ended with a fan of yours, who was put off by a phrasing of the moderator that they felt was disrespectful or politically incorrect in some way. You jumped in and de-escalated the situation.

DiFranco: Yeah, I totally remember the moment youre talking about. The moderator said Ladies and gentlemen once or twice to address the room. The person who came up to the mic was a trans person who very much took offense to that. They came up to the mic in attack mode, that was the energy of their message. I feel like I have this experience so often in my life now, where I see what is playing out around me. Then in my minds eye, I see an alternative reality, where that person comes up to the mic and says: You know, this has been lovely and I really appreciate it a lot of what has been said, but I am a trans man, and I felt discluded by the opening welcome. To approach it with, again, that spirit of revolutionary love with compassion for the other, and to approach it as a teaching moment instead of a battle. It does take an extreme amount of patience, and humility on the part of the oppressed, the marginalized

Sernaker: [That they have] to be the teachers is problematic.

DiFranco: Yes, it is a weight. Many feminists in particular have spoken to that or people of color. They say, We have to spend our life being so patient, so humble, and every moment is a fricking teaching moment. All of my energy is supposed to go to this? And I would say no. It is not up to the people who are marginalized, who are discounted, who are disempowered, to give their whole life to this work of teaching and shouldering the burdens by themselves. I think the sort of the math Ive learned to do in my head is that those that can afford to be that teacher in that moment, that is the work you are called to do.

Each of us has a role to play and that role changes over time. I feel like with that lens in mind, I have been writing myself into existence for thirty years. I came from a place in this world where I felt very small, very disempowered, very discounted, very pushed down, very afraid. I listen to my early songs and I hear songs of survival. I hear songs from the perspective of prey to a world of predators. Thats what it was like, being twenty and on my own and in New York and walking down the street at night. Now, after thirty years of writing myself strong, writing myself safe, writing myself into a fully realized human being, despite the odds, despite a society that does not always recognize the full humanity of females, I am in a position now where I can be that teacher. Where I can, in that moment of that book talk, try to de-escalate, where I am ready now to step into that place. Of course, I dont do it perfectly and Im still learning. Im still growing, and Im still trying my hardest and failing all the time.

Sernaker: In your memoir, you talk about taking classes at The New School like Feminism 101 and reading Zora Neale Hurston, Audre Lorde, Bell Hooks, Alice Walker, Adrienne Rich, Ntozake Shange and Carol Gilligan. What does being part of a feminist continuum mean to you?

DiFranco: It means everything to me to jump into that river. I came into being because of all those women. All those second wave, feminists, writers, poets, philosophers, revolutionaries made me understand who I am. They helped me tune in and be able to hear the sound of my own voice. Through the din of the patriarchal culture, they taught me to trust in myself and my instincts and my perspective to understand Im not crazy. Im not alone.

Sernaker: In that Feminism 101 section, you wrote: It cemented my will to become part of a process of breaking silences and challenging the code of resignation sounding patriarchy.

DiFranco: Its simply that you cant start with imbalance of one of these fundamental binaries that I see as masculine and feminine. I dont see women are feminine and men are masculine. I think masculine and feminine are in each of us. Whether we identify as female, male or in between or neither or both and, the swirl is within us, among us and between us.

Even in our very selves, even in me as a woman, if the masculine in my nature is upheld and recognized, and affirmed, celebrated, and the feminine in me is always doubted, and suspect and undercover, I myself cannot be fully realized and let alone a society that elevates the masculine and devalues the feminine. I think thats a fundamental imbalance of human societies if you go around the globe. You cant start there, you just cant start from patriarchy and get to peace because from one imbalance begets another and another and another.

Sernaker: Youve also spoken eloquently that womens reproductive rights are civil rights.

DiFranco: Amen.

Sernaker: I know thats an issue close to your heart.

DiFranco: Yes, and I really do think language is so important. We need to drive the language around this issue. Because putting it in patriarchal, religious language in moral language is not right. I think that womens ability to control their own reproduction, to decide when to reproduce, is fundamental to being free in a society.

In modern society, [if you cant] choose when you want to reproduce as a female, you are a reproductive slave. You will never be free as long as you are under the control of an external force telling you that you must have a baby now. You will never be free or emancipated in that circumstance. You have to understand reproductive freedom as an element of civil rights, only applies to people with reproductive systems. Then, if you feel you are morally against something, be it having an abortion, homosexuality, whatever the patriarchal religion says, if that is your religious belief, then for yourself you may absolutely choose not to do these things that you agree are immoral. But to tell other people with other beliefs, and other lives, that they have to abide by your religious beliefs, I think thats where [its problematic].

Sernaker: How can language and activism work together? Im thinking again of the song Do or Die, theres a great moment where you mention using a pen to pick the locks.

DiFranco: Ive always been quite skeptical of laws because they have not served everyone equally. The laws that are supposed to make us all equal in America have not succeeded. Then along comes the last administration, and I found an incredibly renewed sense of respect for the law. I thought: Wow, these rules, this democracy, and as imperfectly as it has served so many of us, is a whole lot better than fascism. Its a whole lot better than dictators.

This is contained in that song Do or Die in that line that you brought up: They use their pen to pick the locks. Our founders created this democracy with a pen and paper. It allowed for a peaceful transfer of power, which it wasnt until were were the brink of losing itthe profound gift that is. As imperfect as the system has been and unequal for people, this is a system we can work with. This is a system we can grow.

Sernaker: Lets talk about your love of poetry. Its unique that in your shows and albums, youve really made a choice to have spoken word present throughout.

DiFranco: I have a love affair with song and my guitar but sometimes only a poem will do. The silence around the words and the rhythmic freedom of a poem. The lack of necessity to rhyme when you take the music away. All of that when its just you and your words and the air and anybody whos there to receive it.

Poetry has been the vehicle especially for feminists in our culture. Im sure its not disconnected from the fact that women are caregivers, are so busy feeding and loving others that, to have a room of ones own to write the novel to create the epic work, long, skinny columns of very distilled thoughts has been a traditional medium of feminist movements. Its like: I have five minutes, and Im going to try and communicate the world through this poem.

Sernaker: Many people in the United States didnt realize how much they needed a poem until they heard Youth Poet Laureate Amanda Gorman.

DiFranco: Oh, my gosh, Amanda Gorman! I know. Were going to be okay. Remember the Parkland shootings and the young women from that? Emma Gonzalez. Now, Amanda Gorman and the climate activist Greta Thunberg. These young women thank Goddess.

Their nimbleness of mind and freshness of perspective, and genius, that is very much of a female nature. The fact that they are finding their way to the world stage now and that humanity is opening up enough to listen to those young female voices is so hopeful for the 21st century. It is making it different from the last. But yes, isnt that something? It says it all right there that every time a President, the leader of the free world, the most powerful man, so far, is being installed in office, who do you call? A poet.

Sernaker: Id like to ask about Shrinking Violet if you feel comfortable. There are so many women stuck in quarantine in domestic situations that they cannot get out of, either verbally or physically abusive. And we know that number has gone up. Why was it important for you to share this song?

DiFranco: Part of me didnt want to include that song on the new record. Part of me never wants to sing it again. I had to write it because thats how I get through life. But sharing it, and broadcasting it is very uncomfortable.

I did it because of exactly what youre saying. I know that Im not alone in feeling scared in your own home. I know that there are many, probably more women than men, but all kinds of human beings right now that are stuck at home, like you say, in fear. So, Ive written about it.

As songs Ive written go out in the world, I hear whispered messages back and Shrinking Violet is often paired with Bad Dream. I already feel glad that I included them. Its just, youre not alone in these things. Even the most brilliant, active, powerful women out there in this world might be struggling mightily. When they go home, they might be feeling disempowered in their private sphere. I think its so important for us to know that we are not alone in our struggles, in what we consider our failures and weaknesses. So yeah, getting back to your original question, [its] the bravery of just being honest. Showing yourself succeeding, failing, being strong, being weak. All of that helps to allow for others to do that for themselves. My only message is you have just as much license as I do to be all the aspects of yourself and to be unashamed of them.

Sernaker: How has this impacted your experience of understanding what art can do? I mean, you already knew that art helps people not feel isolated, as your fans have testified.

DiFranco: The mighty second step that happens after youve created something to go share it in real time. That is a heavy duty connection point I sure miss. But even like you said, just the act of writing it out of your body, even if you only have that, that is really important.

I had this experience [years ago] where I came home to my house in Buffalo and there was a man upstairs. He was in my house, in the dark, in my bedroom waiting for me. I managed to talk him out of my house without any physical violence I wasnt even going to tell anyone because I knew people would worry about me. But every cell of my body got affected. I started having panic attacks all the time, thinking: Im having a heart attack, gripping pain in my chest and cant breathe.

I told myself mentally, thats cool, Im good moving on. But physically, its like: no, that was very traumatic. Now you have to process it. You have to deal with it in some other way than pushing it down and moving on. I grappled with what the aftershocks physically of having panic attacks for months. Then finally, I sat down and wrote a poem called Parameters. I put on a record at that time. It took several hours, I wrote it in one go. Afterwards, Im not going to tell you the panic attacks completely disappeared, but

Sernaker: It created space for it.

DiFranco: Yes, it was a marked difference with healing from the act. Thats before I shared it with anybody. You can write your heart and soul into a letter and never send it. The fact that youve articulated it for yourself, youve released it from your body, onto the page or into whatever medium you express through that is a healing process in and of itself. The sharing then becomes another different opportunity for healing and connecting and evolving with community. But even just the act of self-expression is medicine in and of itself for those of us that are sick from isolation and sick from feeling erased. To write it down and be your own witness is something.

Sernaker: I also wanted to ask you about physical appearance. Throughout your careerespecially in Im Not a Pretty Girl and Imperfectlythis is something youve explored in depth. I remember hearing your lyrics in college: Im okay, if you get me at a good angle. Youre okay, in the right sort of light. We dont look like pages in a magazine, but thats alright. The permission of that felt unique. Its something young women dont really hear.

DiFranco: Being fixated on trying to be pretty is an incredible energy suck. Of all the things you could dedicate your skill and attention and talents towards trying to win at the game of competition for the male gaze, its just like ew. What a inspiration suck from women. That winning, that seeing other women as competitors, its all very subliminal shit.

Seeing the show, getting the thumbs up from the patriarchal beauty standard is the route to power, to self-empowerment. Its all such a huge diversion. Actually, sabotage is, I think, so much of our potential as women. So yeah, its come up a lot. I imagine I have a lot of songs ahead of me about getting old. Its like Im not your boy toy when Im young and cute. Now its like, okay, young and cute is kind of in the rear view. I look more like my mother every day to me. I am 50 now. I suppose from here, I keep counting up not back down again, so I think the new horizon of being not a pretty girl is not being a girl at all. Im moving towards being an old lady. Im going to search for the power in that. Against once again, that sort of patriarchal point system. Warding the male gaze and turning my own gaze on myself. One of the elements that Ive offered in my songs over the years and the albums and the songs is: youre also there. Your gaze [matters] why dont you look how you want for yourself?

The physical, the body image stuff, and the trying to win the game of who has the prettiest face and the biggest tits: thats a trap. I recognized it as disempowering very early on and dividing. How do they divide workers of the world against each other to go fight for fascism. Whoa, what, how does that mind meld work? And the same thing with women. How have they so successfully divided us, pitted us against each other? As competitors vying for the treats from the master.

Sernaker: Physical appearance also feels worth exploring because you shaved your head again in your new music video. Do you want to speak about hair in particular?

DiFranco: Yes, I shaved my head again recently at age 50 and I hadnt since I was 20. Which makes me look at the fact that its a different world around me now. I hope that I had played a part in that. These days, theres a lot of theres a lot of women with shaved heads. I think even in the context of being sexy, of being pretty, of being gorgeous, of being desirable, theres that tiny opening showing theres actually a lot of ways to be feminine. There are a lot of ways to be beautiful.

My shaving my head in the video was just me checking in with myself again. I do it as an intuitive thing. I felt, well, my hair was getting shorter every day of the pandemic (I was cutting it myself) incrementally. Every time I would Zoom with somebody they would be like Wow, you have less hair again. Then I got to the point where I just thought, I think I just need to shave it again. Then we were going to make this video and I thought, well, maybe well make it part of the action. When it came down to the moment of reckoning, my two friends are in the bathroom with me. Im like, you know, maybe just short is good. And theyre looking at me like Were doing it. I thought here we go: bumps and nooks and crannies and 15 year old sags and wrinkles. Age 50. Okay, bring it on. Bring it all on.

It really worked, I have to say. From my own personal point of view and wanting to check in with the sort of revolutionary that I stomped into the world to be. For weeks on end after I shaved, I would get up in the morning of course not remembering. Id look in the mirror and be like, Ah! I saw me at 20. Every day, it was like, oh, and then my life flashes before my eyes and the epic journey since that moment when I was 20 and did it the first time. The immense change in me and the immense change in my society and everything. It really did serve to really put me in touch with that span. With that evolution with what epic change has taken place within and without myself. Also the work yet to do.

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The coronavirus pandemic and the response by federal, state and local authorities is fast-moving.During this time,Ms. is keeping a focus on aspects of the crisisespecially as it impacts women and their familiesoften not reported by mainstream media.If you found this article helpful,please consider supporting our independent reporting and truth-telling for as little as $5 per month.

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The Ms. Q&A With Ani DiFranco: You Have License To Be All the Aspects of Yourself and To Be Unashamed of Them - Ms. Magazine

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From Here To Equality (FHTE) Reparationist Quick Guide Issue 3 – Moguldom

Posted: at 7:07 am

Steven C. Cannon

Friday Jones

Ellen Scully-Russ

Apr 15, 2021

The FHTE (From Here to Equality) Reparationist Quick Guide Response was initially established in October of 2020, as the ADOS Reparationist Quick Guide, and is designed to be a civic engagement resource for anyone. It allows supporters to take an ownership share in our online social justice advocacy. Authorship is being encouraged from every sector and community of citizens concerned with restorative justice for black AmericanDescendants of Slavery (i.e., ADOS) by the closing of the black-white racial wealth gap. The book From here to equality: Reparations for black Americans in the twentieth century (Darity & Mullen, 2020) will serve as our base source for the volumes invited authors. Each issue will contain reparations-related topics and five quick points from featured guest authors who offer their responses to commonly held questions raised and positions taken in opposition to reparations.

The multi-generational inherited disadvantages of slavery and the inability to transfer wealth to ADOS descendants have been significant contributors to the marginalized class status of this ethnic group. This series is published to encourage study and dialogue. It is an instrument for personal empowerment. The guide creates a space for the civic engagement and participation of Reparationists in national coalition-building, including petitioning for significant revision (or replacement) of the bill H.R. 40 (S.1083) currently under consideration in the U.S. Congress.

1. How did the Japanese Americans get reparations before black Americans?

Japanese Americans were successful in obtaining reparations from the United States government, in part, because their claim was specific to a defined group, and identified the particular harms committed within a date-defined time frame. Like the Japanese claim native black Americans have a date-defined time frame for our claim, 1776 to the present. Japanese Americans benefited from the presence of two elected officials in each house of Congress who were fully committed to a plan for restitution that incorporated direct payments to eligible recipients. And the primary organization that led the lobbying effort, the Japanese American Citizens League, had a similar commitmentunlike NAARC and NCOBRA who want thefunds to be funneled through a National Reparations Trust Authority.

Though certainly not an easy victory many of the victims were living when the demand and approval of U.S. reparations was granted to Japanese Americans. Nevertheless, there are other instances of reparations where the direct victims are no longer with us and their heirs and descendants have been compensated (e.g., federal government payments to the families who lost loved ones during the 9/11 attacks), including the heirs and descendants of victims of the Nazi Holocaust.

Moreover, in the context of black American descendants of US slavery, the effects of slavery carry over to the living descendants in part because no restitution was given at the end of the Civil War. But also, there are still many living victims of Jim Crow, and the case for ADOS reparations is not based on slavery alone. Chattel slavery was the initial atrocity inflicted upon black Americans; however, the injuries and demand for redress span subsequent generations.

Reflective juxtaposition to the Japanese American justice award is very much in order relative to the contemporary ADOS reparations project. The native black Americans hold a historical claim for justice outstanding for over 150 years. Groups who have identified as people of color or have voluntarily immigrated to America do not share the same specificity of grievances outlined for the formerly enslaved and their descendants. As mentioned in prior Issues 1 and 2 of the From Here to Equality Reparationist Quick Guide (FRQG), other racial or ethnic groups are within their prerogative to make a separate and distinct claim for repair from the U.S. government.

The black American claim is not a social equity project. It is a lineage-based project of equality with direct payments used to rectify the racial wealth chasm caused by the past and ongoing offenses. For example, The first indictment must be the failure to fulfill the promise of the Special field Order No. 15 grant of forty acres and a mule to families who had been enslaved. Had that promise been kept had ex-slaves been given a substantial endowment in southern real estateit is likely that there would be no need for reparations to be under consideration now. (FTHE, p. 207-208, paragraph 2).

2. What role does the U.S. Census have relative to a reparations project and national coalition-building?

The U.S. Census is a valuable tool in identifying, enumerating, and locating black American descendants of U.S. chattel slavery for whom reparations are merited. Law Professor Boris Bittker discussed a technique for estimating the reparations bill due based on black and white per capita income. However, even that metric is insufficient or appropriate as reparations should be based upon the wealth gap, not an income gap. Unfortunately, the Census does not offer wealth data for the necessary purposes of calculating the bill which is more appropriately found by extracting from the Federal Reserve Boards Survey of Consumer Finances.

A black American reparations outlay of the type proposed by Darity and Mullen (2020), would be centered on wealth disparities, not income. The U.S. Census could serve as one important instrument in the toolbox for group identification. For example, from an educational perspective, Census data can assist with targeted civic engagement messaging and strategies that can build popular support for and understanding about U.S reparations for Americans; particularly among tertiary non-white groups (i.e., POCs) where forms of bigotry and anti-blackdiscrimination toward ABAL ethnics are sometimes disregarded.

3. Why does the plan for reparation have to center black Americans when all people of color face discrimination and need repair?

Discrimination is an abhorrent human practice and must be discouraged. While some racial and ethnic groups have a shared experience of discrimination in common with black Americans, they do not share centuries of history in America that was not only baked into the Constitution of the emerging Republic but that also literally became institutionalized and perpetuated (by law and force of government) in the society. Also, no other group experienced the same processes that separated their level of wealth from white levels of wealth. The legacy of enslavement for blacks in America included a perpetual exclusion from full citizenship and civil rights.

4. How do people who are not from the Ancestral Black American Lineage (ABAL) ethnic group help them obtain reparations?

People who are not ABAL ethnics can assist the reparations movement by investing in self-education on the historic claim for reparations (e.g., reading From Here to Equality) to best understand the urgency of long-overdue restitution. Advocates (i.e., Reparationists) can incorporate support for black American reparations into their national advocacy platforms and insist candidates in pursuit of elected office have a clearly defined reparations plan consistent with those advanced by Darity and Mullen (2020). Reparationists should use their social, civic, and political organs for black American reparations political advocacy such as social media platforms and online groups. Examples of contemporary mass public advocacy movements that can serve as a guide include, Moral Mondays activism in North Carolina, the #ADOS movement, the Black Lives Matter Movement, as well as, on the opposite side of the political spectrum, the rise of the Tea Party and MAGA movements, all representing passionate citizen advocacy. Engaging young Americans to do informed social justice work can serve to energize the push for black reparations. (FTHE p. 270, paragraph 3).

5. If reparations are because of how black people suffer from racial discrimination, why would there be any resistance to include the global black family in this claim?

ABAL ethnics are United States citizens, and the demand for reparations is unique and specific to chattel slavery, and legal segregationand their ramifications are the primary causes of the demand for reparations. It is a specific lineage that is not shared by all those who may necessarily self-identify as black. The ABAL ethnic reparations project is not a restorative justice claim or movement for all people who identify as black. Its focus does not include those who may have a history of enslavement via the trans-Atlantic slave trade in other parts of the world or have been subjected to European colonization. All of those members of the African diaspora have legitimate claims for reparations, but not from the United States government. They have claims that should be directed at the countries that colonized and enslaved them.

The U.S. black American reparations movement dates to at least the 18th century, as an economic justice and repair solution for the formerly enslaved people and their descendants. For example, even Thomas Paine called for land reparations for those he hoped would be granted to the formerly enslaved. And certainly, the unfulfilled promise of 40 acres land grants predates Callie Houses efforts. Yet, Callie D. Guy House [] took up the cause of the ex-slaves after seeing a copy ofthe pamphlet Vaughans Freedmans Pension Bill: A Plea for American Freedmen, which began circulating in black communities in central Tennessee around 1890. (FTHE, p. 77, paragraph 1). House most certainly was a very important figure in the historical fight for black restitution, but the reparations project did not begin with her.

6. What is the authority and scope of State governments that would make it different fromwhat the Federal government would do about reparations?

Comparatively, the ability of the Federal Government to meet the bill of a national reparations project is a significantly larger budget than any single (or combination) of states and municipalities in America. All states and municipalities have a combined budget amounting to $3.1 trillion. Collectively, the various Federal department and bureaus, per the 2020 Congressional Budget Office data, showed a $5.8 trillion outlay. The Congressional funding response to the pandemic in the forms of the CARES Act and the American Rescue Plan demonstrate that additional large sums of monies can be mobilized rapidly without raising taxes.

This author holds that the closing of the black-white racial wealth gap must privilege direct cash payouts to eligible recipients (an estimated 40 million Americans). It is reasonable to spread the monetary outlays realized over a

designated period; for example, ten years to mitigate the inflation risk. Or perhaps, proposed restitution plans should mirror the close to 250 years of bondage and atrocities suffered by slaves and their descendants. Nevertheless, it is time to reframe the pure reparations conversation from a position of both knowledge and power. If France, for over 187 years, as an enslaver country can exact, ironically and unjustly, a reparations debt from the people of Haiti who they held in bondage, it seems only fitting that the United States be a model for justice by paying reparations to the enslaved people group and their descendants who it harmed and disenfranchised.

7. Under what circumstance could a State reparations plan override a Federaldirective?

Absent a federal reparations legislation and policy, state governments have free reign to undercut the need for a national program. Article VI, paragraph 2, of theU.S. Constitution, establishes that Federal law generally takes precedence over state law (i.e., preemption) and that includes a States Constitution. This was also deemed the case following the outcome of the Civil War. Since there is no current federal reparations policy in place on behalf of ABAL ethnics, it leaves the descendants of U.S. chattel slavery (i.e., ADOS) highly vulnerable.

In fact, in the immediate aftermath of the Civil War, the anti-Freedmen laws that were adopted were known as the Black Codes. Although the minstrel character JimCrow was introduced as early as the 1830s, his representation came to serve as acultural meme to represent anti-black laws in the post-Civil War period. National neglect of jurisprudential protections exposed the Freedmen to harsh laws established at the discretion of the states.

Hence, it is important to remind readers that the self-advocacy and civic participation of citizens in their respective locales is crucial toward directing national or local reparations efforts. Darity and Mullen (2020) insist that Instead of seeking piecemeal reparations on a one-by-one basis, activists should push these institutions to join the lobbying effort for congressional approval of black Reparations. (FHTE, p. 269, paragraph 5).

8. How might state reparations inhibit a federal reparations project or a grassroots advocacy effort?

The Evanston Illinois local reparations effort is instructive in this regard. It has been presented by some in the media as a national model for black American reparations. However, Evanston is a municipal government, neither a state nor a federal government. Its housing voucher program is not an effective prelude to true reparations at the national level; in fact, it may function as a diversion.

For example, basic parameters Ancestor/Direct Descendant of Evanston that experienced housing discrimination between 1919 and 1969 can apply for a benefit up to $25,000 for a home down payment assistance and/or home improvements, for a property in Evanston. An applicant may also claim either Black or African American ancestry and show that they had experienced housing discrimination due to City ordinance, policy, or practice after 1969. Applicants must use an FDIC-insured institution for the mortgage. Currently, the fund comes from private sources and a three-percent Municipal Cannabis tax. The projected funding from a cannabis excise tax totals $10 million, but as of April 2021, only $400,000 is available to meet 16 claims.

In summary, despite whatever efforts local, municipal, or state actors may take to repair acts of discrimination endured by its citizens, they will not substitute (nor satisfy the bill) for the massive debt owed by the United States Government to black Americans who are the descendants of slaves.

9. How do prior Civil Rights legislation and successful lawsuits serve as a guide for a reparations project?

Legal segregation (i.e., legal apartheid) and Jim Crow laws in the United States were set to end fifty years ago via the Civil Rights Acts of 1964 and 1965. The big problem is that the courts are not a mechanism for producing a comprehensive,national program for reparations (FHTE, pp. 24, paragraph6). Federal affirmative action (AA) policy has been used to desegregate elites, chiefly in employment, university admissions and government procurement. (FHTE, p. 248, paragraph 4), yet it has been white women who have been its largest beneficiaries.

Affirmative action in terms of policy has not been a guarantee or protection from anti-black racism, nor did it ever provide restitution for past harm. Many today lament the fact that Civil Rights providing racial preferences for black Americans have been eroded. However, affirmative action focuses largely on employment and access to universities, so it does not have a direct impact on wealthand the expected indirect effect may be weaker than some economists believe.

In 1997, the class action suit of Pigford vs Glickman served as a landmark discrimination case which asserted that the USDA officials in counties across the country violated the Equal Opportunity Credit Act. The case was successfully argued by Alexander J. Pires Jr., and in 1999 a $1.25 billion settlement was reached. The Washington Post writes that the suits settlement was designed to erase the farmers debts to government creditors, put $50,000 in each of their pockets, and give black applicants priority for new loans. However, this was not a model for national black American reparations. We now know this settlement has not resulted in wide benefits for the black farmers harmed.

The recent American Rescue Plan sets aside $5 billion for farmers who have experienced distress (not necessarily all of whom are black). Darity (2021) andother scholars contend that this was a pittance relative to the magnitude of what black American farmers are owed. Moreover, the settlement put a burden of proof on the black farmers for evidence of past discrimination while not demanding that farmers be granted access to USDA records to assert their claims. Farmers were not granted access to bank records to support their claims while neighboring white farmers had easily obtained loans. The case is instructive for those advancing the H.R.40 bill, without essential edits. The proposed legislation, as currently written, is misdirected and can be detrimental toward achieving a viable black American reparations project.

Similarly, in 1997, the Oklahoma legislature authorized funding for a Commission to study the Tulsa Riot of 1921. Three years later, it recommended the 125survivors be paid reparations. The commissions restorative justice plans alsospecified solutions such as scholarships, and economic development zone, thereburial of any human remains that might be found. (FHTE, pp. 18;19, paragraphs 6;1). Unfortunately, the Oklahoma legislature enacted no mandate to act and made no payments. If the eligible group (ABAL ethnics) is not vigilant in the construction of our reparations project, we have the potential to be in the same poor position as those families who survived the Tulsa massacre, yet received no reparations.

10. How might States go about administering a decentralized Federal reparations program?

This author holds that States should not be directed to allocate a Federal reparations program. Decentralization of authority over federal programs with potential benefits for black Americans has a horrendous history (see the GI Bill in FHTE, pp. 247-248). Historically, the constitutionality of states rights has been harmful in delivering programs initiated to provide targeted relief and equality for black Americans (as previously indicated via AA programs).

In their book From Here to Equality, Darity and Mullen (2020) recommend the formation of a National Reparations Bureau. This author contends that the Freedmans Bureau should be reestablished and maintained as is the case for Native Americans who benefit from the Bureau of Indian Affairs (BIA). The native black American-focused bureau should have access to every US government department and be able to introduce policy and protections on behalf of ABAL ethnics who are the descendant of the formerly enslaved group. The Bureau should remain as a standing government agency for the duration of the process of acknowledgment, redress, and closure (ARC) to fulfill the reparations project.

11. How can a focus on reparations enhance anti-racism initiatives underway in adulteducation and workforce development institutions?

Anti-racism initiatives are conscious efforts to dismantle racist structures in education and workforce organizations and programs. Reparations for black Americans who are the descendants of the formerly enslaved would include a program ofacknowledgment, redress, and closure (FHTE, p 2-4), hence providing a robust framework to guide this challenging, anti-racism work.

Acknowledgment: The case for reparations is the story of the intergenerational history of white supremacy in American and the harmful effects on black lives today. One cannot understand structural racism, its impact on our education and workforce policies and programs, nor how to undertake redress without first understanding how this history has given rise to the racialized education structures and programs we operate today. Once exposed, we must then acknowledge how the American education and workforce systems intentionally privilege whites and disadvantage blacks. White educators, in particular, are being called upon to recognize their advantages and commit to a reparations program of redress for ABAL ethnics.

Redress is required to eliminate racial disparities in adult education and workforce development programs (and other political-economic institutions) to ensure black people have full access and equal opportunity in education and the workforce.Redress would require systemic change in educational policies, programs, curriculum, and new labor market regulations to close the inequality gap in educational outcomes between whites and blacks in the workplace.

Closure: Mutual conciliation between blacks and all beneficiaries of white supremacy would provide closure and give rise to a transformed, anti-racism nation. The nation needs to have an accurate narrative of slavery, the Civil War, and Reconstruction and reject the Lost Cause narrative that has dominated our national story since the end of the Great War (FHTE, pp. 173, paragraphs 4). Though our anti-racism journey has just begun in America, education and workforce development must help move us towards this end. Indeed, the comprehensive program of reparations (FHTE, pp. 258-270, paragraphs, 2) calls on educators to foster a transformative national process of reinterpretation of history and learning. This initiative must include education on reparations and the impact on black Americans and the entire nation.

12. How can reparations contribute to the new adult education and workforcedevelopment policies required to respond to the social and economic crisis created by theCOVID-19 pandemic?

Perhaps the most critical contribution reparations can make to the development of education and workforce policies that respond to the social and economic crisis created by the COVID-19 pandemic is a historic analysis of the racist education system that leads to poor outcomes for black people in America. Adult education and workforce development in America emanated in part from policies intended to provide a second chance for adults who may have fallen short at their first attempt at education. In reality, however, this author contends that the system has failed ADOS. Examining more deeply the concept of failure among particular groups of adults would go a long way toward reframing the system of adult learning and reposition those black Americans underserved by traditional venues of formal and nonformal adult education.

Specifically, reparations can help practitioners and policymakers understand the legacy of the dual system that tolerated the systemic underinvestment in the education of blacks pre- and post- a formal lifelong learning endeavor. The racial wealth gap highlights how far too many black families and communities lack the resources to provide for quality post-secondary or higher education. Moreover, the lifelong leisure opportunities that non-formal adult education has afforded more economically resourced adults in America are reduced for ADOS men and women. In short, black workers who are from an ancestral heritage shaped by slavery, Jim Crow segregation, and anti-black terrorism and economic discrimination continue to face educational disparities in comparison to whites. The inability to transfer resources and wealth to your children as a direct consequence of the adverse actions taken against black citizens by our government must not be met with erasure or the simplistic lens of equity initiatives.

These disparities notwithstanding, recent trends show that enrollment in adult basic education and workforce development programs has increased during the pandemic. Adults who lost their job are seeking an educational pathway to a more secure career. The time is right to move away from short-term training in second chance skills to support motivated learners in a significant course of study, leading to a valuable credential or training that helps secure a family-supporting job. New program models that will allow learners to earn while learning will encourage adults to complete longer-term programs and foster deep, applied understanding. Tapping other educational funding sources to support adult learners, such as restorative access to Pell grants for certificate-based training, would bolster the quality and quantity of educational opportunities available to black adult learners.

13. Why should adult education and workforce development practitioners and policymakers focus on reparations when it seems training and technical skills are what many black adults need?

We see that education does not have an equalizing effect for blacks in the American labor market. As noted in FHTE, blacks with a college degree can expect to make up to $10,000 per year less than whites who have not completed high school. Further, theblack poverty rate has not changed much since the 1950s, even though black educational attainment has risen over the same period. So, while training may provide black adults with access to new career pathways, it does little to address the racial inequalities that prevent blacks from achieving social and economic equity in America. A focus on reparations and rejection of anti-black discrimination would help practitioners and policymakers address the opportunity gap facing ADOS in education and the labor market. Anti-discrimination policies must be maintained and enforced as reparations alone will not sustain or replace a system of white supremacy with a preferable system of justice.

14. Many adult and workplace education programs include diversity, equity, and inclusion training; why should black American reparations exist as a distinct learning module?

A module on reparations would enhance diversity, equity, and inclusion training in adult and workplace education programs. Adult education focused on reparations can provide essential knowledge of the intergenerational effects of white supremacy on black Americans and the legacy of structural racism in American workplaces and institutions today. This information could lead to awareness among learners about the inequities in their workplace and how their professional attitudes and practices are structured to privilege whites and exclude blacks. The inclusion of a reparations roadmap to equality in the training will provide learners with concrete steps they can take in their organization and lives to address and redress discrimination and create a more open and inclusive workplace culture.

15. As a white person in the field of adult learning where might I begin to educate myself since the field is all but quiet on this topic?

As a white, educated, American woman in my early 60s, I was truly astonished to learn just how little I knew about black slavery, Jim Crow, and the legacy of these atrocities in ongoing systems of racial inequality and racism in America today. Reading Darity and Mullens (2020) From Here to Equality: Reparations for Black Americans in the Twenty-First Century was enlightening but also transformative for me as an educator. Additional recommended works include Karolyn Tysons Integration Interrupted, WEB DuBois Black Reconstruction, and Isabel Wilkersons Caste.

In plain language, before reading FHTE, I was ignorant of the inter-generational effects of white supremacy in America on black life and well-being today. The book led me to reflect on my practice and ask myself critically, how can I be an effective adult educator in American without acknowledging the history of white supremacy and its impact on educational opportunity and outcomes for black Americans today? It is imperative that white people in adult learning educate themselves on our racist history and how we can mitigate its effects through a systematic program of black reparations. Darity and Mullens (2020) From Here to Equality is a great resource for white educators and others who choose to embark on a journey of anti-racist self-education.

FRQG Editor, Lisa R. Brown, BS, MPA, University of Akron; Ph.D. Adult Education, University of Georgia @Ambidextrous_X

Special thank you to William Sandy Darity Jr. and A. Kirsten Mullen for their editorial review and contributions to this issue.

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From Here To Equality (FHTE) Reparationist Quick Guide Issue 3 - Moguldom

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