La Voz Latina Central September 2012

La Voz Latina Central

Diversión de verano

dentro de la guía !

At the Center of Your Community / Al Centro de Su Comunidad

SEPTEMBER 2012

What’s Inside: ID THEFT AND CREDIT THEFT p. 6 LATIN LEADERS In Our Community p. 14 CREDIT UNIONS – All You Need To Know p. 18 MEXICO WINS GOLD p. 19 PHFA PROGRAMS Can Help You Buy Your Dream Home p. 24

Page 14

Bienvenidos ``L

Graham and his new 12-week-old Goldendoodle, Sherlock Si Hetrick.

A Note From The Publisher

os líderes quienes trabajan eficazmente, me parece, que nunca dicen 'Yo' Y no porque se han capacitado para no decir 'Yo', ellos no piensan en el 'Yo'. Ellos piensan en el 'nosotros'; ellos piensan en el 'equipo o el grupo'. Ellos entienden que para realizar un trabajo se lo hace en función de un equipo. Aceptan responsabilidades y no las esquivan, pero 'nosotros' obtenemos el crédito. ~ Peter Drucker, escritor, consultor y autodenominado ecologista social dijo “Esto es lo que genera confianza, y lo que permite obtener la tarea” Peter Drucker está en lo correcto en su evaluación de lo que es un gran líder. Los grandes líderes de cualquier organización, o comunidad hacen esfuerzos o actividades que tienen un propósito útil no para “su gente," sino para "nuestra gente." Sus pensamientos y acciones son para el mejoramiento del grupo, incluso a menudo en perjuicio de ellos mismos, lo cual hace que los grandes líderes sean un recurso muy importante en nuestras vidas.

Dentro de la comunidad Latina, hay muchos grandes líderes, y La Voz Latina Central rinde homenaje a unos cuantos de ellos como: – Sandra Valdez, Yolanda Pérez-Rivera y Mauricio Conde.

En este número celebramos el mes de la Herencia Hispana, que empieza desde el Sábado, 15 de Septiembre y termina el Lunes, 15 de Octubre del año en curso. Esta época del año es llamada el mes de la Herencia Hispana porque marca el aniversario de la independencia de siete países de América Latina como - Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, México y Chile. Lea todo acerca de este número en la página 20.

Además de los temas del “Liderazgo Latino” y el “Mes de la Herencia Hispana”, destacamos una producción local de una nueva serie de la web llamada Hamilton Street (página 22). Chelsea Hess-Moore habló con el actor principal así como el escritor y productor del espectáculo, producción que no es sólo filmada en Harrisburg pero que también representa la vida en la ciudad capital.

Y, por supuesto, estamos orgullosos de ofrecer nuestras columnas tradicionales de: Dr. Oralia Dominica, Dr. Héctor Ortiz, y Abg. Mark Kogan. Además, usted no querrá perderse mi columna "Tal como lo veo" este mes en la página 12.

El verano es de todos pero sobretodo el otoño, con sus colores brillantes y un clima más frío. Por lo tanto, a disfrutar del cambio de temporada, así como la celebración del Mes de la Herencia Hispana.

Welcome ``T

he leaders who work most effectively, it seems to me, never say ‘I.’ And that’s not because they have trained themselves not to say ‘I.’ They don’t think ‘I.’ They think ‘we;’ they think ‘team.’

They understand their job to be to make the team function. They accept responsibility and don’t sidestep it, but ‘we’ gets the credit. …This is what creates trust, what enables you to get the task done.” ~ Peter Drucker, writer, management consultant and self-described social ecologist Peter Drucker is correct in his assessment of what makes a great leader. The best leaders in any organization, community or endeavor are not “me people,” they are the “we people.” Their thoughts and actions are for the betterment of the group, oftentimes even at the detriment of themselves, which makes great leaders such an important resource in our lives.

Within the Latin community, there are many great leaders, and La Voz Latina Central pays tribute to just a few this issue – Sandra Valdez, Yolanda Perez-Rivera and Maricio Conde.

This issue also celebrates Hispanic Heritage Month, which begins this year on Saturday, September 15, and runs through Monday, October 15. This time of the year is designated Hispanic Heritage Month because it marks the anniversaries of independence for seven Latin American countries - Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Mexico and Chile. Read all about it on page 20.

In addition to Latin leadership and Hispanic Heritage Month, we highlight a local production of a new webseries called Hamilton Street (page 22). Contributing writer Chelsea Hess-Moore talked to the lead actor as well as the writer/producer of the show, which is not only filmed is Harrisburg, but also depicts life in the capital city.

And, of course, we are proud to offer our usual columns from Oralia Dominica, Hector Ortiz and Mark Kogan. Plus, you won't want to miss my “As I See it” column this month on page 12.

Summer is all but over, and fall ushers in with its brilliant colors and cooler weather. So, enjoy the season change as well as the celebration of Hispanic Heritage Month.

Graham S. Hetrick Publisher SEPTEMBER 2012

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La Voz Latina Central September 2012 • Volume 2 No. 9

PUBLISHER

Graham Hetrick . ghetrick@lavozlatinacentral.com EDITOR-IN-CHIEF

Patti Hill-Boccassini . pboccassini@harrisburgmagazine.com MANAGING EDITOR

Jadrian Klinger . jklinger@benchmarkgroupmedia.com GRAPHIC DESIGNER

Austin Fitz . afitz@benchmarkgroupmedia.com CONTRIBUTING WRITERS

Oralia Garcia Dominic, Ph.D., M.A., M.S. Mark Kogan, Esq. | Dr. Hector Richard Ortiz Chelsea Hess-Moore | Diane Powell CONTRIBUTING PHOTOGRAPHER

Jadrian Klinger ACCOUNT SALES REPRESENTATIVE

Marisol Aviles (717)-939-3213 | George Fernandez (freelance) (717)-433-1784 Jim Laverty (717)-233-0109–ext. 122 | David W. Righter (717)-418-0240 Sandra Valdez (717)-203-3687 TRANSLATOR

Marisol Aviles BENCHMARK GROUP MEDIA

3400 N. 6th Street Harrisburg, PA 17110 717.233.0109 717.232.6010 fax benchmarkgroupmedia.com PRESIDENT AND CEO Davy H. Goldsmith–ext. 114

CHIEF OPERATING OFFICER Len Boccassini–ext. 132

PUBLISHER Patricia Hill-Boccassini–ext. 130 DIRECTOR OF SALES AND MARKETING Chad Overbaugh–ext. 128 DIRECTOR OF CUSTOM PUBLISHING Jim Laverty–ext. 122 CIRCULATION MANAGER / DIRECTOR OF BUSINESS FINANCE Violetta Chlaifer–ext. 124

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Robo De Identidad y Robo De Crédito

By Mark J. Kogan Esq.

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e vez en cuando, uno de mis clientes viene a mí, después que su tarjeta de crédito ha sido robada.

Este tipo de robo puede afectar no sólo su bolsillo, pero su verdadera identidad y puntaje de crédito. No hay ningun otro lugar donde hay mayor riesgo de crédito y robo de identidad que en el Internet. Cada vez que se une a un sitio de web o introduce información personal en el Internet, usted esta liberando información sobre sí mismo. Email, blogs, Facebook, Google y los sitios de web de muchos más que nos ayudan a obtener información. Sin embargo, es una fuente valiosa para todos nosotros. Esto es visto como positivo o negativo, depende de tu punto de vista.

Uno de las inconveniencias del Internet es lo fácil que nuestra información personal se pueda obtener. Casi cualquier cosa que usted quiere saber acerca de una persona se puede encontrar en Internet. ¿Hay algo que podamos hacer para detener el robo de identidad?

El robo de identidad le puede ocurrir a cualquiera en cualquier momento y es un problema creciente. Ya no es sólo un problema de robo físico como shoulder surfing (donde un ladrón de identidad mira por encima de su hombro para ver su número de PIN) para robar números de tarjetas de crédito de los correos, basuras o bolsas de mano. Los delincuentes están desarrollando técnicas más sofisticadas de robo de identidad, tales como la piratería informática en bases de datos y el phishing (envío de correo electrónico falso de una empresa que parece legítimo, con la esperanza de recolectar su

información personal). Teléfono y fraude de servicios públicos, fraude bancario, fraude laboral, fraude de préstamos y un segmento denominado “otros” que incluye el fraude de seguros, todos pesan mas que lo que se piensa que es la forma más común de robo de identidad. Aquí están algunos hechos rápidos: • Afecta a todo el mundo, y hay muy poco que usted puede hacer para prevenirlo y creo que lo peor de todo - no se puede detectar hasta sea demasiado tarde.

• Algunas autoridades policíacas le llaman robo de identidad “del crimen más rápido en crecimiento en todo el país en estos momentos”. De hecho, el robo de identidad es el tema más llaman a Privacy Rights Clearinghouse a su línea directa. Este tipo de fraude puede representar hasta un 25% del total de crédito, fraude de tarjetas de pérdidas cada año.

• Para el penal, el robo de identidad es un esfuerzo de relativamente bajo riesgo y alta recompensa. ¡Pongase activo para protegerse del robo de identidad y de crédito!

En primer lugar, para evitar el robo de identidad, tenemos que seguir las prácticas básicas de seguridad para proteger físicamente a nuestra información personal y otros datos de negocio. En segundo lugar, tenemos que asegurarnos de que nuestros sistemas de información, tales como las redes de computadoras, no son puntos abiertos para el robo de identidad.

Mantenga su tarjeta de seguro social, números de cuentas bancarias, contraseñas, números PIN y otra información financiera

a salvo en casa, no lleve estos artículos con usted. No tire papeles que contienen detalles personales en ellos, debe de destruirlos.

Mantenga sus registros personales, talones de cheque, declaraciones de impuestos, estados de cuentas bancarias y tarjetas de crédito en un lugar seguro en casa. Si usted envía cheques para pagar las cuentas por correo, llévelos a la oficina de correos y colóquelos en un buzón de correo oficial del servicio postal de Estados Unidos y asegurarse que el correo caiga en el interior del buzón.

Si la conducta personal o asuntos de negocios en su computadora, instala un software de firewall y antivirus en su computadora y mantenga la definición de virus actualizados para evitar que los virus y troyanos infecten su computadora y alimenten su información personal a los piratas informáticos. Utilice los programas de software especialmente diseñados para limpiar los datos de su computadora antes de vender o desprenderse de ella. Simplemente borrar los archivos no se eliminarán los datos de la memoria.

Hable con su banco local y hable con un cajero de un banco, pida que le dé información sobre cómo obtener protección para robo de identidad. Utilice la búsqueda en la Web y obtenga información sobre los programas de protección de robo de identidad.

Ve a idtheft.about.com.

Si usted es víctima de un robo de identidad, también puede presentar una queja ante la Comisión Federal de Comercio (FTC), al compartir su queja de robo de identidad con la FTC, usted proporcionará información

importante que puede ayudar a los policías en todo el país a rastrear los ladrones de identidad y detener sus actividades. La FTC puede derivar las quejas de las víctimas a otras agencias gubernamentales y empresas para adoptar nuevas medidas, así como investigar a las compañías por la violación de las leyes que la agencia hace cumplir.

Usted puede presentar una queja en línea en ftc.gov/idtheft.com o por teléfono (877) IDTHEFT o por correo: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, D.C., 20580.

Tome control y aprenda lo más que pueda acerca de la prevención de robo de identidad, este alerta, revise su informe de crédito. Usted puede obtener un resumen de su derecho bajo la Ley de Informe Justo de Crédito. Para obtener más información, visite ftc.gov/credit. Para solicitar su informe de crédito anual gratuito de una o todas de las compañías de informes de crédito, visite annualcreditreport.com o llame al número gratuito (877)-322-8228.

La FTC trabaja para prevenir las prácticas comerciales fraudulentas, engañosas y desleales en el mercado y para proveer información para ayudar a los consumidores a identificar, detener y evitar dichas prácticas.

Una vez más, si usted tiene alguna pregunta acerca de este artículo o si desea obtener más ayuda con cualquier problema legal, por favor no dude en llamar a mi número de teléfono gratuito (888) 975LAW1 o póngase en contacto con mi oficina alhgsklawyers.com.

English version on page 11

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El Arte de Vivir

By Dr. Hector Richard Ortiz

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l éxito o el fracaso son sólo instancias temporales de la vida así como la tristeza o la felicidad.

Lo más importante es reconocer que estas son sólo la consecuencia de nuestras acciones. El arte de vivir nos da la oportunidad de planificar lo que queremos lograr y al mismo tiempo disfrutar de cualquier esfuerzo que hagamos por conquistarlo. El éxito llega más fácil a aquellos que exploran las opciones y las oportunidades de la vida sin miedo. Es natural estar ansioso o nervioso al tomar nuevos riesgos, pero no estamos siendo justos con nosotros mismos si empezamos desde el inicio con negativismo al comienzo de un nuevo sueño, meta, o compromiso.

Por lo tanto, cree una forma positiva de vivir la vida en vez de seguir ciegamente la aparente fatalidad de las circunstancias.

El arte de vivir se basa en el compromiso de aceptarse tal y como usted es así como

Cuente las bendiciones y milagros que fluyen a su alrededor. aceptar el reto de que es necesario trabajar arduamente para convertirse en lo que le gustaría ser. Como puede ver, todo esta en el poder de su actitud. En consecuencia, usted tiene la opción de lograr cualquier cosa que a usted le gustaría conseguir. De tal manera que no se deje llevar por el impulso o los aparentes designios del destino, sino

por la calidad de sus opciones y la habilidad de sus decisiones. Cuando usted ejerza el poder de elección, usted evitara caer en la trampa de concentrarse solo en las fallas, defectos o debilidades.

El hecho es que cada día nos ofrece una oportunidad para lograr y crear éxito en la vida, carrera, familia o comunidad. Si puede ver, escuchar, hablar, sentir y pensar, entonces no tiene ninguna excusa: es hora de levantarse y disfrutar intensamente del arte de vivir. Haga un recuento de las bendiciones que recibe diariamente. Haga un inventario de sus dones y talentos concedidos. Cuente las bendiciones y milagros que fluyen a su alrededor. La respuesta seguramente va a ser el proclamar gratitud por las bendiciones que recibe cada día. Dejemos atrás el pesimismo y el negativismo recurrente que tanto afecta a nuestra sociedad. Recuerde que uno tiene que pensar, sentir, decir y actuar todo lo

que uno cree para lograr realmente lo que uno le gustaría alcanzar en la vida.

Recuerde que el éxito y la felicidad es una decisión de la mente. Si usted decide ver la oscuridad, el lado negativo, lo malo y sólo dejarse llevar por el sendero pesimista de las cosas, es su decisión y usted tendrá que vivir con la consecuencia de sus actos. Por el contrario, usted también puede decidir ver la luz, el lado positivo y el lado optimista de todas las cosas. Sí, acepto que vivimos en un mundo de opuestos, pero lo bueno es que usted y sólo usted tiene la opción de ser "La luz que crea el camino o solo el espejo que refleja un sendero". Mis queridos amigos, el éxito y la felicidad así como el fracaso y la tristeza están siempre en nuestras manos.

Haga su elección y disfrute el privilegio de ejercer consecuentemente el privilegio de vivir. ¡La vida es belleza! Disfrútela y obtenga lo mejor de ella.

The Art Of Living

By Dr. Hector Richard Ortiz

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uccess or failures are just two tempor ar y instances of life as well as sadness or happiness. The most impor tant is to recognize that they are just the byproduct of our actions. The ar t of living gives us the oppor tunity to plan for what we would like to accomplish and, at the same time, to have fun on our way to conquer it. Success comes easier to those who e xplore choices and oppor tunities without fear. It is natur al to be anxious or ner vous when taking new risks, but you are not being fair to your self if you quit or become ne gative at the star t of a new dream, goal or commitment.

Create a positive way of living instead of blindly following the apparent fatality of circumstances.

The ar t of living e xists in the commitment of being who you are as 8

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Count all the blessings that flow around you. well as in the pledge to work hard to become what you would like to be.

As you can see, it is all in the power of your attitude. Consequently, you have the option to pur sue whatever you would like to get from life. As such, don’t let your self be driven

by fate, but by choices. W hen you e xercise the power of choice, you avoid the tr ap of focusing on faults, defects or weaknesses.

The fact is that ever y day provides an oppor tunity to achieve and create success in your life, career, family or community. If you can see, hear, speak, feel and think, then you have no e xcuse. It is time to get up and live intensely the ar t of living.

Take a sum of your blessings. Make an inventor y of your g reatest gifts and talents already g r anted to you.

Count all the blessings that flow around you. The only response can be to proclaim g r atitude and thankfulness for the gifts you have received. Let us leave behind the pessimism and recur rent ne gativism that affects our society. Remember that one has to think, feel, say and act what he or she believes in order

to really become what one would like to be in life.

Remember that success and happiness is a decision of the mind.

If you decide to see the dark, the ne gative, the bad and just the pessimistic view of things, it is your decision. On the contr ar y, you can also choose to see the light, the positive, the goodness and the optimistic side of all things. Yes, we live in world of opposites, but the good thing is that you, and only you, have the choice to be “The light that creates the path or the mir ror that just reflects it.” My dear friends, success and happiness as well as failure and sadness are always in our hands. Make your choice, and enjoy the privile ge of e xercising accordingly the privile ge of living. Life is beauty. Enjoy and take the maximum of it.

Hispanic Heritage Month Calendar of Events September 15th through October 15th Preliminary Events: September 8, 5:30 p.m.

8th Annual Scholarship Gala and Silent Auction Estamos Unidos de Pennsylvania honors their 2012 college scholarship recipients.

The theme is “Havana Night…Celebrating Cultural Music, Traditions and Community.”

For more information, contact Dr. Hector Ortiz at (717) 608-0444 or dr.hortiz. gmail.com. Raddison Penn Harris Convention Center, Camp Hill.

September 9, 12 p.m.

Feria del Barrio 2012 Serving as one of Philadelphia’s largest celebrations of Latino arts and culture, the annual Feria del Barrio brings together thousands of community residents from throughout the Greater Philadelphia region for a free family event featuring some of the world’s most renowned musical artists.

For more information, call (215) 4263311 or email cfebo@tallerpr.org.

El Centro de Oro, North 5th Street, Philadelphia.

September 15 Kickoff Events: 10 a.m. – Latino Hispanic American Community Center & GACLA Block Party For more information, call (717) 232-8302 or visit lhacc.org. Derry Street between 13th and 14th Streets, Harrisburg.

11 a.m. – National Hispanic Heritage Month Kick-Off Celebration Clipper Magazine Stadium, 650 North Prince Street, Lancaster.

5:30 p.m. – CUBA "The Revolution Tur ns 50” For more information, visit goggleworks. org. A.C.O.R Gallery of the Arts, Goggleworks Center for the Arts, 201 Washington Street, Reading.

5:30 p.m. – Mi Vida Esta en Las Artes Reception The exhibition will showcase the wide range of art being produced by Hispanic artists in the city of Reading. The exhibition will run from Sept. 1 through 31. For more information, call (610) 374-4600 or visit goggleworks.org.

Goggleworks Center for the Arts, 201 Washington Street, Reading.

6:30 p.m. – Hispanic American Organization (HAO) of Allentown Gala Honoring Mr. G. Timothy Clemens, representing Clemens Food Group and Hatfield Quality Meats. Blacktie optional, $260 per couple and $130 per person. For more information, call (610) 435-5334 or visit hao-lv.org.

The Holiday Inn, Fogelsville.

7 p.m. – La Casa Hispanic Heritage Month Kick-Off Free reception. For more information, call Daniel Eguquiza at (610) 3763811. The Crowne Plaza, 1741 Papermill Road, Reading.

Throughout the Month Events: September 16, 9 a.m.

Festival de la Cosecha (2012 Latino Harvest Festival) Each year, Chambersburg Hispanic Heritage Month celebrates Hispanic Heritage Month by holding the Latino Harvest Festival to recognize the achievements of seasonal and migrant workers and highlight the delicious fruit, vegetables and dairy products produced by regional farms.

The festival will be preceded by a Latino Soccer League tournament. For more information, call (717) 262-2480 or visit hispanicamericancenter.com.

Memorial Park, Chambersburg.

September 16, 1 p.m.

Mexican Independence Day Festival goers will enjoy a taste of the rich Mexican culture at the festival Continued on page 13

THE LATINO HISPANIC AMERICAN COMMUNITY CENTER’S (LHACC’s)THIRD ANNUAL BLOCK PARTY IS ON SATURDAY, SEPTEMBER 15TH!!

This year’s Block Party Fest is filled with lots of activities for the entire family! Join us September 15th, as we close down the block between 13th and 14th and Derry Streets from 10am to 3:00pm. We are joined by the Governor’s Advisory Commission for Latino Affairs and major sponsors Rite Aid Corporation and UPMC! Additional sponsors include Capital Blue Cross, the Penn State Hershey Cancer Institute, HGSK Lawyers and “friends of LHACC.” Highlights include fire truck apparatus and mascot for the kids, face painting, balloons, live music by Los Monstros, food vendors, participating community service organizations, and much more to be brought to you by UPMC, Rite Aid and additional generous sponsors! For more information, you can contact LHACC at 717 232 8301 or 232 8302 or visit our website at www.lhacc.org (Note: Rain date is September 22nd.)

EL TERCER FESTIVAL DEL CENTRO CUMUNITARIO LATINO HISPANOAMERICANO ANUAL ES EL SABADO 15 DE SEPTIEMBRE!!

Este año, el Bloque Festival está lleno de un montón de actividades para toda la familia! Únase a nosotros y ven a celebrar el 15 de septiembre cuando se cierran las calles entre 13 y 14 de Derry, de 10am a 3:00pm. Estamos unidos por la Comisión del Gobernador para Asuntos Latinos y la Corporación Rite Aid, patrocinadores principales con UPMC! Otros patrocinadores generosos incluyen: Capital Blue Cross, la Penn State Hershey Cancer Institute, Abogados HGSK y "amigos de LHACC." Tendrenos actividades para toda la familia! Entre ellas, un camión de bomberos y su mascota, pintura de caras, globos, música en vivo de Los Monstros, vendedores de comida, y mucho mas. Para obtener mas información, puede ponerse en contacto con LHACC: 717 232 8301 o 717 232 8302, o visite la website: www.lhacc.org

SEPTEMBER 2012

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Abuso Sexual a Menores de Edad Oralia Garcia Dominic, Ph.D., M.A., M.S.

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a reciente cobertura mediática del juicio y condena del ex-entrenador defensivo de Penn State Jerry Sandusky, ha impulsado a todos nosotros para aprender más sobre abuso sexual infantil; específicamente, las formas de prevenir y responder a tales abusos. Este caso de alto perfil, también sirve para recordarnos que toda persona tiene el deber de proteger a las víctimas indefensas y sus familias.

Según los datos del Departamento de Salud del Estado de Pennsylvania BRFSS, en el año 2010, aproximadamente uno de cada diez (9%) de todos los adultos encuestados, se encontró que cuando eran niños, alguien de al menos cinco años de edad los toco sexualmente por lo menos una vez. El número era aún mayor entre quienes eran mujeres (12%), las que tenían niveles más bajos de educación (10%) y de ingresos (16%) siendo las minorías negros o latinos con el 11%. El mismo patrón se observó para adultos los cuales informaron que cuando eran niños, se vieron forzados a tener relaciones sexuales 1 o más veces con un adulto o alguien mayor de 5 anos. Existen recursos para las víctimas y sus familiares, incluyendo la coalición contra la violación de Pennsylvania (pcar.org) y la YWCA (ywca.org), para nombrar unos cuantos.

Recientemente entrevisté a Yvonne Russo-Devosa, que es la consejera para adultos en la prevención de agresiones sexuales y el centro de Consejería en la YWCA de Lancaster. Para acceder a más información sobre instituciones que puedan ayudar a crear una mayor conciencia de las cuestiones sociales de abuso sexual infantil pueden comunicarse con Yvonne al número telefónico (717)-393-1735 ext. 257. Según Yvonne, 1 de 4 niñas y 1 de 6 niños son agredidos sexualmente por lo menos una vez antes de cumplir sus 18 años de edad! Esto no debería ser el caso. A continuación se presentan algunos hechos que todos los lectores de La Voz Latina deberían conocer, de acuerdo a Yvonne: • El 70% de los niños sobrevivientes de abuso sexual conocen a sus atacantes. Esta es una de las razones por lo que existen muchos abusos. Las víctimas deben reportar el abuso a las autoridades.

• El asalto sexual puede causar una variedad de problemas de salud como: Dolores de cabeza, náuseas, dificultad para dormir y mayor susceptibilidad a muchas enfermedades. Las víctimas deben buscar tratamiento médico.

• Las victimas a menudo experimentan problemas emocionales como: Depresión, ansiedad y sentimientos de “locura”. El primer mensaje de Yvonne a los sobrevivientes es que “no están locos.”

Están teniendo una respuesta normal a un evento inesperado. Las víctimas deben buscar asesoría.

• Las victimas normalmente no hablan de su abuso. “Si usted no habla de ello, usted no recibiría ayuda.” Yvonne habla a diario con los sobrevivientes de abuso sexual, quienes mantuvieron en secreto su dolor y su abuso durante años porque no sabían con quien hablarlo o a quien decírselo. Las víctimas deberían buscar ayuda, llamando a YWCA al PRAC o a su médico.

• Las víctimas están sufriendo. El segundo mensaje de Yvonne es que “la sanación es posible!” Las personas pueden recuperarse de esos traumas. Ella ha visto con sus propios ojos a personas que se han recuperado de este trauma. Hable con su médico, consejero y líder espiritual para encontrar la manera de iniciar el proceso de curación.

• Las instituciones gubernamentales deben emprender acciones para prevenir, informar y responder a tales abusos como: Capacitar al personal, tener un plan de acción con un protocolo de notificación en lugar para que todos puedan tener un punto de partida.

Amigos de “La Voz Latina” recuerden siempre que nuestra sociedad debe tener cero tolerancias para el abuso sexual infantil. Nuestras acciones deben reflejar honestidad, integridad, liderazgo responsable, y rendición de cuentas en todos los niveles y en todos los componentes de cualquier organización que representemos. Siempre recuerde que informar de dicho abuso es obligatorio por ley. ¡Ayudemos a detener el abuso sexual infantil! Para publicar sus comentarios y preguntas vayan al cuadro de abajo. También pueden enviarme sus preguntas de salud a ¡Hola, Oralia! Correo electrónico: dr.oraliagarciadominic@gmail.com.

Juntos podemos ayudar a mantener saludables a los residentes de Pennsylvania! Salud!

Child Sexual Abuse Oralia Garcia Dominic, Ph.D., M.A., M.S.

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he recent media coverage of the trial and conviction of former Penn State defensive coach Jerry Sandusky has prompted us all to learn more about child sexual abuse, specifically ways in preventing, reporting and responding to such abuse. This high-profile case also serves to remind us that everyone has a duty to protect the defenseless victims and their families.

According to the Pennsylvania Department of Health BRFSS Data, in 2010, about one in 10% reported that, as a child, they had someone at least five years older touch them sexually at least one time. The number was even higher among those who were female (12 percent), had lower levels of education (10 percent) and income (16 percent), and were minority (11 percent). The same pattern was observed for all adults reporting that, as a child, they were forced to have sex one or more times with an adult or someone more than five years older than them. There are resources for victims and their families, including the Pennsylvania Coalition Against Rape (pcar.org) and the YWCA (ywca.org ).

I recently interviewed Yvonne Russo-Devosa, who is the adult counselor at the Sexual Assault Prevention and Counseling Center at the YWCA Lancaster and can be reached at (717)-393-1735 ext. 257, to discuss what we as well as what institutions can do to help build greater awareness of the societal issues of child sexual abuse. According to Yvonne, one in four girls and one in six boys are sexually assaulted by the time they turn 18. This should not be the case. Below are some facts that Yvonne wants all readers to know: • Over 70 percent of child sexual abuse survivors knew their attackers. This is one of the reasons such abuse is underreported. Victims should report the abuse to authorities.

• Sexual assault can cause a variety of problems, from health concerns like headaches, nausea, difficulty sleeping and greater susceptibility to many illnesses. Victims should seek medical treatment.

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• Victims often experience emotional problems like depression and anxiety and feeling “crazy.” Yvonne’s first message to survivors is “You are not crazy! You are having a normal response to a crazy event.” Victims should seek counseling.

• Victims typically do not talk about their abuse. “If you don’t talk about it, you don’t get help.” Yvonne talks with survivors every day who held on to their secret and their pain for years because they didn’t know who to tell or how. Victims should seek help - call the YWCA, PRAC or their doctor for help.

• Victims are hurting. Yvonne’s second message is “Healing is possible!” People do recover from such abuse. She has seen it with her own eyes. Talk with your doctor, counselor or spiritual leader to finds ways to start the healing process.

• Institutions must undertake actions for preventing, reporting and responding to such abuse. Offering staff training, having an action plan with a reporting protocol in place for all to follow is a good starting point.

Our society should have zero tolerance for child sexual abuse. Our actions must reflect honesty, integrity, responsible leadership and accountability at all levels and within all components of any organization that we represent. Always remember that reporting such abuse is required by law.

Please help stop child sexual abuse. Post your comments and question in the box provided below. You can also send me your health questions to ¡Hola, Oralia at dr.oraliagarciadominic@gmail.com. Together we can help keep Pennsylvania residents healthy! ¡Salud!

Spanish version on page 6

ID Theft and Credit Theft

By Mark J. Kogan Esq.

E

very once in a while, one of my clients comes to me after their credit card has been stolen. This type of theft can effect not just your pocketbook, but your actual identity and credit score. Nowhere is the risk for credit and identity theft greater than on the Internet. Every time you join a website or enter personal information on the Internet, you release information about yourself – email, blogs, Facebook, Google and many more websites to help us get information. However, they are a valuable source to discover information about all of us. It depends on your point of view whether this is seen as positive or negative. One of the drawbacks about the Internet is how easy our personal information is to obtain. Nearly anything that you want to know about a person can be found on the Internet. Is there anything you can do to stop identity theft?

Identity theft can happen to anyone at any time, and it is a growing problem. It is no longer just an issue of physical theft, such as shoulder surfing (where an identity thief looks over your shoulder to see your PIN number) or stealing credit-card numbers from the mail, dumpsters or handbags.

Criminals are developing more sophisticated identity-theft techniques, such as hacking into databases and phishing (sending bogus emails from a company that appears legitimate in the hopes of collecting your personal information). Phone and utilities fraud, bank fraud, employment fraud, loan fraud and a segment called “other,” which includes insurance fraud, all outweigh what is thought to be the most common form of identity theft.

Here are some quick facts: • It affects everybody, and there is very little you can do to prevent it. Worst of all, you can’t detect it until it’s probably too late.

• Some law-enforcement authorities call identity theft “the fastest growing crime across the country right now.” In fact, identity theft is the most called-about subject on the Privacy Rights Clearinghouse's telephone hotline. Such fraud may account for as much as 25 percent of all credit-card fraud losses each year.

• For the criminal, identity theft is a relatively low-risk, high-reward endeavor.

Get Active to Protect Yourself from ID and Credit Theft First, to prevent identity theft, we need to follow basic security practices to physically protect our personal information and other business data. Second, we need to ensure that our information systems, such as computer networks, aren’t open targets for identity theft.

Keep your social-security card, bank-account numbers, passwords, PIN numbers and other financial information safe at home; don’t carry these items with you. Don’t throw away papers containing your personal details on them – shred them. Keep your personal records – paycheck stubs, tax returns, bankaccount statements and credit-card statements – in a safe place at home. If you mail checks to pay bills, take them to the post office, drop them in an official United States Postal Service mailbox and make sure the mail goes down inside the mailbox.

If you conduct personal or business matters on your computer, install a firewall and anti-virus software. Be sure to keep the virus definition up to date to prevent viruses and Trojan horses from infecting your computer and feeding personal information back to hackers. Use specially designed software programs to clean data from your computer before you sell or discard it. Simply deleting files will not remove data from the memory.

Talk to your local bank and speak to a bank teller. Ask them to give you information on how you can obtain identity-theft protection. Go to idtheft.about.com to get information on identity theft protection programs.

If you are a victim of such theft, you can also file a complaint with the Federal Trade Commission (FTC). By sharing your identity-theft complaint with the FTC, you will provide important information that can help law-enforcement officials across the nation track down identity thieves and stop them. The FTC can refer victims’ complaints to other government agencies and companies for further actions, as well as investigate companies for violation of laws the agency enforces. You can file a complaint online at ftc.gov/idtheft.com, by phone at (877) IDTHEFT or by mail at Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, D.C., 20580.

Take control, learn the most you can about preventing identity theft, stay alert and check your credit report. You can obtain a summary of your rights under the Fair Credit Reporting Act. For more information, go to ftc.gov/credit. To order your free annual report from one or all of the nationwide credit-reporting companies, visit annualcreditreport.com or call toll-free at (877) 322-8228.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them.

Once again, if you have any questions about this article or would like additional help with any legal issue, please do not hesitate to call my toll-free number at (888) 975-LAW1 or contact my office at hgsklawyers.com.

SEPTEMBER 2012

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Como Yo Lo Veo Por el Graham Hetrick

C

elebramos el mes de la herencia hispana.

Es importante tener en cuenta que incluso el término hispano fue concebido en la administración del Presidente Nixon.

El Gobierno quería un término para clasificar los diversos grupos de población que tenían en común la influencia de la lengua española en los Estados Unidos.

Como resultado, se refieren a los hispanos como personas procedentes de 20 países.

A pesar de que comparten el mismo idioma existen abismales diferencias en su historia, cultura, condiciones sociales y económicas.

Muchas de las personas no-hispanas piensan en este grupo como un bloque monolítico. Yo pienso que este fue el propósito del gobierno para hacer de los hispanos un grupo único, entonces ellos podrían ser un bloque de votación controlado. El problema con esta vision simplista a los hispanos es que crea estereotipos y disminuye la gran diversidad en la cultura española.

Puerto Rico, México, Ecuador, Nicaragua, El Salvador, etcétera, todas estas culturas tienen mucho colorido e importantes diferencias. Yo puedo decirles a ustedes, como alguien que ama las comidas, que cada uno de estos países tiene exquisitas delicias culinarias.

Cuando se trata de música, las diferencias de tono, ritmo y estilo son sorprendentes y grandiosas. Piénsalo de esta manera.

Si el Gobierno propusiera un término como el de "Día de la herencia blanca" lo mismo podría suceder con todas las diversas culturas del occidente Europeo.

Toda esa cocina italiana y Alemana sería un término de masa. La diferencia étnica y cultural entre Inglaterra y Polonia seria minimizada. Cuando empaquetan en grupos a las personas a causa de su idioma, nos arriesgamos a entender la diversidad de la cultura y el pensamiento de un país a otro simplemente porque hablan un lenguaje común.

Otro hecho es que debido a la cultura y al idioma, el español se habla en diferente ritmo, palabra y dialecto muy diferente

de país a país. Puedo entender mucho mas fácil el ritmo del español de mi esposa México-americana cuando habla, que el ritmo rápido que usa al hablar mi amigo ecuatoriano, casi a la velocidad de una bala.

En el 2009, el censo encontró que el 16% de la población cayó en la categoría de hispanos. Aproximadamente 36 millones de personas en los Estados Unidos son de habla hispana. El país está cambiando y la población hispana tendrá una gran influencia sobre el futuro de los Estados Unidos.

Realmente depende de las diferentes culturas para saber cuál será el destino de los Estados Unidos de Norteamérica.

Los hispanos deben tener una visión real de sí mismos y ser honesto en mirar sus fortalezas y debilidades. La tasa de deserción de los hispanos es mayor que el de cualquier otro grupo étnico. Un estudio reciente mostró que el 40% de los inmigrantes están ahora recibiendo asistencia económica. Estas no son buenas estadísticas para un grupo

cultural que quiere tomar una posición de liderazgo en el futuro Los hispanos tienen altos valores familiares, talentos empresariales, grandes valores religiosos y un gran espíritu de comunidad sólida. Los americanos necesitan renovar esos valores y son los hispanos los únicos que pueden revivir el espíritu del norteamericano, pero deben saber buscar las herramientas para conducirlo.

Es por esta razón que este trabajo comenzó. Queríamos crear un documento que podría provenir de la comunidad.

Esto reflejaría los valores más altos del cuerpo, la mente y el espíritu. El papel será una avenida para el crecimiento con la comunidad hispana. Siempre alentamos los valores que ayudarán a colocar a los hispanos en posiciones de liderazgo, utilizando las herramientas adecuadas para hacer de la diversidad una ensalada que la llamaremos América la ciudad que esta sobre la colina con una luz de libertad para todos.

Another fact is that, because of culture and dialect, Spanish is spoken in different words, rhythm and dialects from country to country. I can understand my wife’s Mexican-American Spanish much easier that my Ecuadorian friend’s fast-paced, almost bullet-speed Spanish.

In 2009, the census found that 16 percent of the population fell into the category of Hispanic. Approximately 36 million people in the U.S. are Spanishspeaking. The country is changing, and the Hispanic population will have a major influence on the future of the U.S. It is really up to these different cultures as to what America will be like. Hispanics must have a real look at themselves and be honest in looking at their strengths and weaknesses. The dropout rate for Hispanics is higher than any other ethnic group. A recent study showed that 40 percent of immigrants

are now on welfare. These are not good statistics for a cultural group that wants to take a leadership position in the future.

Hispanics have strong family values, entrepreneurial talents, strong religious values and solid community spirit.

America needs these values renewed, and it is the Hispanics that can revive the American spirit, but they must get the tools to lead.

It is for this reason that this paper began. We wanted to create a paper that would come from the community up. It would reflect the higher values of body, mind and spirit. The paper will be an avenue for growth with the Hispanic community. We will always encourage those values that will help place Hispanics in leadership positions with the right tools to make the diversity salad we call America, the city on the hill and a beacon of freedom for all.

As I See It

By Graham Hetrick

W

e are celebrating Hispanic Heritage Month. It is important to note that even the term Hispanic was conceived during the president Nixon administration. The government wanted a term to classify the diverse group of U.S. population that had the Spanish language and influence in common. As it turns out, Hispanics refers to people from 20 countries.

Even though they share the same language, there are dramatic differences in their history, culture, social and economic conditions.

Many non-Hispanics think of this group as a monolithic block. I almost think this was the purpose of the government to make Hispanics a single group so that they could be a controlled voting block. The problem with this simplistic view of Hispanics is that it creates stereotypes and diminishes the 12

great diversity in the Spanish culture.

Puerto Rico, Mexico, Ecuador, Nicaragua, El Salvador and so on are all colorful cultures with important differences. From one who loves food, I can tell you that each of these countries has beautiful culinary delights. When it comes to music, the differences of tone, rhythm and style are astounding and glorious. Think of it this way: f the government came up with a term, “White Guys Heritage Day,” the same thing would happen to all the various Western European cultures. All that Italian and German cuisine would be lumped into one term. The ethnic and cultural difference between England and Poland would be minimized. When we package groups of people based on their language, we risk not understanding the diversities of culture and thought from one country to another simply because they speak a common language.

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Continued from page 9

Hispanic Heritage Month Calendar of Events and learn about Mexico’s past, while witnessing the traditional “Grito de Independencia,” a civic ceremony led by the Consul of Mexico in Philadelphia, Carlos Giralt-Cabrales, commemorating the beginning of the fight that led Mexico to freedom, with the participation of Casa Monarca’s color guard.

For more information, visit mexicanculturalcenter. o r g / f e s t i va l _ 2 0 1 2 . G r e at P l a z a Penn's Landing, Columbus Boulevard at Market Street, Philadelphia.

September 18, 6 p.m.

The 2nd Annual Hispanic Heritage Month Celebration Pittsburgh Metropolitan Area Hispanic Chamber of Commerce's Hispanic Heritage Month celebration.

Join local and international business leaders and government officials for an evening of celebration while learning about exciting programs planned for Pittsburgh’s growing Hispanic population. No charge, but invite only – RSVP required. For more information, call (412) 281-0660.

Savoy, 2623 Penn Avenue, Pittsburgh.

September 22, 12 p.m.

Erie County Hispanic Parade & Festival There will be a parade and festival to honor the unique and exceptional contributions Hispanic Americans have made in the U.S. as well as Erie County. The parade begins at noon and originates at 12th and State Streets and proceeds north to Perry Square West in Erie. At 1 p.m., a rousing fiesta will be held in Perry Square West Gazebo with music, dance and food that is distinctively Latin. Perry Square, Erie.

September 22, 6 p.m.

The Hispanic Chamber Gala The annual gala of the Hispanic Chamber of Commerce of the Lehigh Valley is black-tie optional and includes a cocktail reception, dinner and program honoring Lupe Pearce and Sacred Heart Hospital. For more

information, call (610) 351-6798 or email melody@lehighvalleychamber. org. The University Center at DeSales University, Center Valley.

September 26, 11:30 a.m.

Fiesta en la Plaza (Party in the Plaza) Celebr ate Hispanic Heritage Month at the Capitol in Har risburg –“Diver sity United, Building America's Future Today.” Rain date is Oct. 4. Soldier's Grove Capitol Fountain Area, Har risburg.

September 30, 12 p.m.

50th Annual Puerto Rican Day Parade Join thousands of spectators on the streets of Philadelphia for a day of music, dancing and fabulous floats during the annual Puerto Rican Day Parade.

Celebrating its 50th anniversary in September 2012, the parade is the city’s oldest and largest outdoor event celebrating Puerto Rican and Latino heritage. Over 1,500 participants, including performers, local celebrities and youth groups march up the Benjamin Franklin Parkway before ending at the Eakins Oval near the Philadelphia Museum of Art. October 4, Meet & Greet in Lancaster First Thursday Latino Night: meet the commissioners of the Governor’s Advisory Commission on Latino Affairs (GACLA). For more information, call Norman Bristol Colon, former GACLA executive director, at (717) 393-7133.

October 6, 1 p.m.

Celebración Latina – Latin Celebration A day of fun and diverse cultural entertainment, food and activities for the community. Featuring live Hispanic bands, DJ entertainment, Hispanic food vendors, voter registration and information and sponsor booths. For more information, call (717) 272-1758.

Coleman Memorial Park, Lebanon.

SEPTEMBER 2012

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Hispanic Leaders

A Passion for Helping Students Succeed

By Chelsea Hess-Moore | Photography by Jadrian Klinger

G

rowing up in Puerto Rico, Yolanda Perez-Rivera recalls that, from a very early age, she liked to guide, teach and lead, all of which prepared her for her future working in education, psychology and counseling.

Retiring just a few weeks ago as a professor and counselor at HACC, after working there since 1986, Perez-Rivera has done more than teach courses at the campus. She has truly touched the lives of the individuals she has worked with, something that those idividuals won’t easily forget.

Perez-Rivera has a passion to mentor by guiding, facilitating and informing others in regards to developmental processes at all levels of individual growth as needed by the particular person. “One of the courses that I taught, which I enjoyed very much, was career development and decision-making and becoming a master’s student,” says Perez-Rivera. “Both are geared to guide students where they are with their background to develop their skills in decision-making, seek support among friends and family to help them be successful and to choose careers that are compatible with personalities.”

At HACC, Perez-Rivera was the advisor of many multicultural organizations, involved with diversity groups and student-advancement groups. She was also active in community organizations being the chair and co-founder of groups, such as the Latino Hispanic Professional Organization, Estamos Unidos of Pennsylvania and ASPIDA, an after school program in the Harrisburg School District that inspires students to pursue a higher education after high school.

Through personal counseling at the college, Perez-Rivera has seen a lot of issues in the Latino youth of the area.

She met with students on an ongoing basis, and she’s encountered countless stories and situations of students being discouraged to attend higher-education institutions after graduating high school.

“Many high school counselors have told Latino students that they are not college

material,” says Perez-Rivera. “When students have a support system and strive to move on, you see them graduating from prestigious universities with high GPAs and honors.”

She knows there are students who are bilingual with strong accents who don’t believe that it is necessary to learn the English language and disregard learning the necessities to be able to excel in America. “Some students speak a language that does not have an alphabet, which makes it more difficult to learn the English language,” explains Perez-Rivera.

“Many times, students do not feel that they need to improve their English skills to compete in the classroom, but we have to bring them up to the same level of skills in reading comprehension, writing skills and vocabulary so that they can compete with the American students here. To have them understand that we have to go through counseling, many of them can be very successful if they understand that.”

An inspiring story that Perez-Rivera shares is an occurrence some years ago at HACC, when the Latino Student Organization named their group Mosaico Latino – mosaic meaning a picture made of an array of different shapes and colors.

“Latino Hispanics come from all over the world in different shapes, sizes and colors.

We might not mean too much individually, but when we come together, we make a beautiful mosaic that has a lot of meaning.”

Now that Perez-Rivera has retired, although it’s only been a few weeks, she misses the students and the campus dearly.

As the mother of four and the grandmother of nine, she can now spend time with her loved ones. As for her students, she still tries to keep in touch with as many of them as she can. She still has those students that she runs into now and then, who remind her of the great impact that she had on their lives. “I believe that sometimes I contribute like a little grain of sand to the success of someone. Just a little bit, but it’s enough for them to succeed. It’s truly a blessing for me.”

Yolanda Perez-Rivera

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Hispanic Leaders

Thirteen Years and Counting…

By Chelsea Hess-Moore | Photography by Jadrian Klinger

T

Sandra Valdez

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hirteen years ago when Sandra Valdez took a position with the Spanish American Civic Association (SACA), she never guessed that she would remain there for this long.

Now, she can’t imagine leaving.

After moving from Puerto Rico, where she was born and raised, her family moved around the U.S. until finally settling in Lancaster, Pa., about 26 years ago.

Attending high school and one year of business school in Lancaster County, Valdez is no stranger to the community. When she first joined the SACA team right out of high school, she started as an employeetraining representative. Her main duty was to train people on how to seek employment, making sure they got the correct assistance in finding a job of their choice.

The mission of SACA is to “foster and perpetuate the cultural, social and economic well-being of the Hispanic people of the city of Lancaster, and thereby contribute to the general well-being of the community at large.” And from serving the community for 13 years with SACA, Valdez follows that mission statement every day. “A lot of people ask me how I lasted this long,” says Valdez. “You really have to have the heart to provide for the community, be there for the community, get to know the community, understand the community and know the needs for the community. They are my goals every day.”

Valdez is now the associate director of the Behavioral Health Program of SACA. Her main job duty is to provide services to the community by educating them about HIV/ AIDS and how to prevent the transmission of the disease. Along with that program, she hosts a radio show, AIDS ALERT, which provides everything from statistics to poverty and links to preventing the disease. The radio program reaches nearly 4,000 radio listeners.

Next year, SACA will celebrate their 40th year of service to the city of Lancaster. They

began with minimal services, such as referral desks and employment training. Now, with more than 14 different educational, health and services programs, SACA is reaching out to the Latino community of Lancaster more than ever. Along with the bilingual radio station, SACA also hosts another subsidiary program – SACA Development Corporation. This program takes homes, remodels them and then sells them for affordable prices to help people in the community become first-time home owners.

SACA offers service to anyone of any ethnic background. One-third of their clients are of non-Latino descent.

“Employment is a huge issue, not just with Latinos, but with a lot of people. Also, the lack of education is a problem. Some come with high-school diplomas and sometimes not even that,” explains Valdez.

To cater to these issues, SACA offers programs for English as a Second Language, GED courses and computer classes. Valdez points out that the lack of education is sometimes due to the lack of being able to communicate properly. “I think being bilingual is very important, not just in English and Spanish, but with any languages,” says Valdez. “It’s a blessing for those of us who are able to speak more than one language.”

Many of the programs are funded through federal, state and local sources.

Although some fees are required to be paid by the clients, SACA employees make sure to find a way to make it affordable for any client in any situation.

Now that SACA is going on 40 years of service, Valdez expects many more great things in the following years to come. “In four or five more years, I see us expanding, not only in our community, but also in media and other marketing directions, such as television and streaming our radio station online. But, most importantly, I hope to expand our services and continue to provide to the community.”

Hispanic Leaders

Living to Serve Others

By Chelsea Hess-Moore

A

s if working for a billion-dollar company isn’t enough to be proud of, Mauricio Conde has a lot under his belt that he is known for, and he has impacted many people along the way. From developing statewide work plans to being involved in countless community organizations, he is a true Latino leader of central Pennsylvania.

Conde has work experience in dealing with nonprofit organizations as well as private-sector corporations, all dealing with serving the Medicaid community, the Latino community and those who are less fortunate. He’s held positions in organizations from the Pennsylvania Division of the American Cancer Society and the American College of Surgeons.

A major accomplishment that Conde has achieved is developing the statewide 3-Year Special Populations Work Plan with priority systems focusing on reaching out to African-Americans, Asians, Latino/ Hispanic, Medicaid/Medicare and the uninsured or under insured. He also facilitated the Special Population Workgroup by providing direction for capacity building, system-change thinking, implementation of evidence-based practices and provided training and support.

Throughout the years at different positions, Conde has made relationships that have led him to further involvement in the community. “I believe that those who do not live to serve others do not serve the purpose of living,” says Conde. His involvement in the community has shown that he truly lives by that statement. He currently volunteers for the Estamos Unidos de Pennsylvania, is vice president for the Latino Hispanic American Community Center in Harrisburg, volunteers for the PA Statewide Latino Coalition and has participated in over 12 other events and groups through work-related experiences and individual community involvement.

Being a Latino of Mexican decent and being bilingual has opened many doors for Conde to serve Latinos in many capacities. “For me, it is very important to stay involved in the service of Latinos, and I am very interested in advocacy for Latinos and the issues that affect Latinos,”

Conde says. “The Latino community is growing, and with the growth, there are challenges and opportunities. Latinos are growing in numbers, in buying power and in voting power.”

He disagrees with the negative attention that Latinos are facing in the media relating to crime, illegal immigration and education. “I can relate in so many ways to the challenges that Latinos and other immigrants face coming to a new country, new culture and new way of life. Latinos have been great contributors to this great country and to this great state.”

Although he now resides in America, he holds strong to his Mexican roots and shares the traditions of his culture with his wife and two children, all born in America.

He does believe that every immigrant should take the initiative to try to learn the English language, but it's sometimes hard to make that possible.

“It is important for everyone to understand that not all immigrants coming to the United States have accesibility to English as a Second Language services,” Conde points out. “We have immigrants coming from all over the world and from different circumstances.”

His initial interest to learn the language was through his passion for music and the musical influences that paved the way for his music career as a guitarist. “I wanted to be able to understand the lyrics of the jazz, rock, blues and pop music that I listened to and read in the American music magazines,” he says.

He learned the English language at the age of 16 in Mexico City at the Mexican American Institute of Cultural Relations.

He believes being bilingual allows people to serve those who are not and opens many doors on a professional level.

Currently working for MAXIMUS, a billion-dollar company that provides business and outsourcing solutions to the state and federal government in the U.S., he works with an enrollment broker contract with the Department of Public Welfare.

Conde is also following his musical passion by serving as the guitarist as part of the worship team at the LCBC church at

Mauricio Conde

the Harrisburg Campus and, at times, as a guest guitarist at the Life Center Church.

He considers himself a “guitar geek” and has taken his musical career to the next level by opening for bands such as Black Sabbath, 38 Special and Super Tramp, just to name a few. He’s also working on a music project with a group of talented professionals. “All the individuals in the group share my same faith and have great musical talents.”

Born and raised in Mexico City, this 41-year-old has made an impact on the U.S.

and central Pennsylvania since he made it his permanent home in 1992. He will remain active in the Latino community and continue to hold onto his roots through music and following his core values.

“My faith in God, the value of family and freedom are at the core of my values,” Conde stresses. “Those values are what inspire me to serve and give back to others. My faith in God is the main driver in my life.”

SEPTEMBER 2012

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En Pennsylvania, las cooperativas de ahorro y crédito se han unido a red libre para forma un cajero automático (ATM) de recargo llamado CU$ que

ofrece a los miembros de la Unión de crédito más de 1.200 cajeros automáticos.

Muchos sindicatos de crédito también están vinculados a la red de CO-OP que otorga acceso a 28.000 cajeros automáticos a nivel nacional. Usted puede acceder a su dinero de estas máquinas sin incurrir en ningún recargo. Además, algunas cooperativas de crédito ofrecen servicios compartidos de ramificación.

Esto permite a los miembros de la Cooperativa de Ahorro y Crédito entrar a algunos de sus cajeros para realizar operaciones en cualquiera de las 4.400 ubicaciones que se encuentra a lo largo de la nación. Para aquellos que prefieren la tecnología, muchas Cooperativas de Ahorro y Crédito ofrecen servicio de banca en casa, usando el internet y las aplicaciones de teléfono inteligente para hacer pagos de sus facturas en línea– todos estos servicios financieros tecnológicos, se realizan de una manera fácil y rápida.

Las cooperativas de crédito, como otras instituciones financieras, son estrechamente reguladas y asegurada por el Gobierno Federal. La Unión de Crédito Nacional comparte cuotas de seguro, administrado por la Unión Administrativa de Crédito Nacional (ncua.gov), una agencia del Gobierno federal, asegura los depósitos de ahorro y crédito a los miembros de las cooperativas a nivel nacional por más de 7.000 firmas del estado federal y estatal . Todas las cooperativas de ahorro y crédito en Pennsylvania son aseguradas al menos por 250.000 dólares y cuenta con el respaldo de buena fe y el crédito del gobierno de los Estados Unidos de Norteamérica y por la Administración Nacional de Uniones de Crédito ( NCUA).

Para unirse a una cooperativa de crédito, visite ibelong.org por un localizador en línea.

SWITCH TO A CREDIT UNION As large banks impose higher fees on accountholders, consumers should switch to a credit union for lower fees and better rates. With more than 500 credit unions operating in Pennsylvania, there is a credit union for everyone to join. Whether you’re saving for a rainy day or retirement, buying a vehicle or a home, a credit union can help you obtain your financial goals.

A credit union is a cooperative financial institution owned and controlled by the people who use its services – its members. Credit unions serve groups that share something in common, such as where the members live, work or worship. Credit unions are not-for-profit and exist to provide a safe and convenient place for members to save money and obtain loans at reasonable rates.

Credit unions were formed after the Great Depression to serve working Americans. Seventy-five years later, this mission is still true. Credit unions began as basic savings and loan providers. Now credit unions are full-service financial services providers offering savings accounts, IRAs, checking, debit and credit cards. For lending needs, they offer loans for vehicles, homes, higher education and even small businesses.

In Pennsylvania, credit unions have joined together to form an ATM surcharge free network called CU$ that offers credit union members more than 1,200 ATMs. Many credit unions also are linked into the CO-OP Network 18

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that grants access to 28,000 ATMs nationwide. As a credit union member, you can access your money from these machines without incurring a surcharge.

In addition, some credit unions offer shared branching services. This allows members to walk into participating credit union lobbies to conduct transactions in any of the 4,400 locations throughout the nation. For those who prefer technology, many credit unions offer home banking, online bill payer and smart-phone apps – all to make conducting financial services fast and easy.

Credit unions, like other financial institutions, are closely regulated and federally insured. The National Credit Union Share Insurance Fund, administered by the National Credit Union Administration (ncua.gov), an agency of the federal government, insures deposits of credit union members at more than 7,000 federal and state-chartered credit unions nationwide. All credit unions in Pennsylvania are insured to at least $250,000 and backed by the full faith and credit of the U.S. Government by NCUA. To join a credit union, visit ibelong.org for an online locator.

Mexico Captures Gold in London

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n early August, Mexico’s men’s soccer team captured Olympic gold by defeating Brazil 2-1 in London. Mexico’s win marked the country’s first Olympic gold medal in men's soccer, while Brazil – even with its illustrious history in the sport – has yet to earn one. Mexico’s striker Oribe Peralta scored both of the team’s goals – the first occurring just 29 seconds into the match. Mexico came in to the match as an underdog against the heavily favored Brazil but triumphed in front of the crowd of more than 86,000 fans.

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Top to bottom: Joseph Marion Hernández, Richard E. Cavazos, Luiz Walter Alvarez, Carlos Santana, Rita Moreno, Luis Aparicio and John Ruiz

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ccording to the 2010 U.S. Census, 16 percent (50.5 million) of the population is of Hispanic or Latino origin, which is a significant increase from the numbers last decade of 13 percent (35.3 million). These enormous numbers stand as proof of the Latin impact in the U.S. And to recognize and celebrate 16 percent, and growing, of the nation's people, Hispanic Heritage Month kicks off on September 15 and runs through October 15.

This time of year was chosen to observe Hispanic Heritage Month because of it’s chronological proximity to the anniversaries of independence for seven Latin American countries – Chile, Costa Rica, El Salvador, Guatemala, Honduras, Mexico and Nicaragua.

The contributions as well as the traditions of the Latin culture in the U.S. are many and varied. In celebration of Hispanic Heritage Month, La Voz Latina Central takes a look at some of the famous firsts by Hispanic-Americans.

• Member of U.S. Congress: Joseph Marion Hernández – 1822, delegate from the Florida territory.

• U.S. Representative: Romualdo Pacheco – a representative from California, elected in 1876 • U.S. Senator: Octaviano Larrazolo – a senator from New Mexico, elected in 1928, but did not serve his entire term due an illness.

• U.S. Treasurer: Romana Acosta Bañuelos – 1971 to 1974.

• U.S. cabinet member: Lauro F. Cavazos – Secretary of Education, 1988 to 1990.

• U.S. Surgeon General: Antonia Coello Novello – also the first woman to hold position, 1990 to 1993.

• U.S. Secretary of Transportation: Federico Peña – 1993.

• U. S .

Attorney General: Alberto Gonzales – 2005.

• U.S. Supreme Court Justice: Sonia Sotomayor – 2009.

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• General, U.S. Army: Richard E. Cavazos – 1976.

• Astronaut: Franklin Chang-Dìaz – flew seven space-shuttle missions, 1986.

• Nobel Prize in Physics: Luiz Walter Alvarez – for discoveries about subatomic particles, 1968.

• Nobel Prize in Physiology or Medicine: Severo Ochoa – for the synthesis of ribonucleic acid (RNA), 1959.

• Pulitzer Prize for Fiction: Oscar Hijuelos – for his novel The Mambo Kings Play Songs of Love, 1990.

• Pulitzer Prize for Drama: Nilo Cruz – for his play Anna in the Tropics, 2003.

• Opera Diva: Lucrezia Bori – debuted at the Metropolitan Opera in 1912.

• Rock Star: Richie Valens – known for the song La Bamba, 1958.

• Rock & Roll Hall of Fame Inductee: Carlos Santana – 1998.

• Oscar, Best Actor: José Ferrer – for his role in Cyrano de Bergerac, 1950.

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• Oscar, Best Supporting Actress: Rita Moreno – for her role in West Side Story, 1961.

• Oscar, Best Supporting Actor: Anthony Quinn – for his role in Viva Zapata!, 1952.

• Tony, Best Director: José Quintero – for his work on A Moon for the Misbegotten, 1973.

• Tony, Best Supporting Actress: Rita Moreno – for her role in The Ritz, 1975.

• Television Broadcaster of the Year: Geraldo Rivera – 1971.

• Major League Baseball Player: Esteban Bellán – third baseman for the Troy Haymakers, 1871.

• All-Star Game Player: Alfonso “Chico” Carrasquel – starting shortstop for the American League, 1951.

• Rookie of the Year: Luis Aparicio – shortstop for the Chicago White Sox, 1956.

• No-hitter: Juan Marichal – for the San Francisco Giants, June 15, 1963.

• Baseball Hall of Fame Inductee: Roberto Clemente – 1973.

• NFL Player: Ignacio “Lou” Molinet – for the Frankford Yellow Jackets, 1927.

• NFL Draft Pick: Joe Aguirre – tight end for the Washington Redskins, 1941.

• No. 1 NFL Draft Pick: Jim Plunkett – quarterback various teams, 1971.

• Football Hall of Fame Inductee: Tom Fears – wide receiver for the Los Angeles Rams, 1970.

• Heavyweight Boxing Champ: John Ruiz – he defeated Evander Holyfield, 2001.

• NHL First-round Draft Pick: Scott Gomez – drafted by the New Jersey Devils, 1998.

La Planificaciûn Financiera Ayuda A Administrar La Deuda De Estudiante Family Features

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n un mercado mundial cada vez m·s competitivo, la educaciûn est· adquiriendo m·s y m·s importancia.

Sin embargo muchas familias hallan el costo de la educaciûn fuera de su alcance. Seg˙n un estudio conducido por el Departamento de Educaciûn de Estados unidos, del aòo acadÈmico 02-2001 al 11-2010, el costo para asistir a una universidad estatal durante cuatro aòos aumentû en un 47,3 por ciento.

Con los gastos de la educaciûn siempre en aumento, muchas familias acumulan una deuda considerable, poniendo a los estudiantes en mayor desventaja. Sin embargo, con planificaciûn y administraciûn financiera, los estudiantes pueden controlar sus finanzas. A continuaciûn algunos consejos para los padres de los futuros estudiantes universitarios.

Inicie la conversaciûn. Converse con otros padres, maestros y consejeros de orientaciûn acerca del costo de la educaciûn. Pûngase en contacto con las oficinas de ayuda financiera para estudiantes de las universidades en la lista de su hijo y obtenga un estimado correcto del costo de cada instituto. Lo que

es m·s importante, hable con su hijo. Es imprescindible que su hijo aprenda el proceso de preparar un presupuesto ya que muy pronto tendr· que administrar sus finanzas fuera del hogar.

Establezca un presupuesto y aj˙stese al mismo. Una vez que tenga un presupuesto establecido, aòada flexibilidad para otros gastos imprevisibles. Aseg˙rese de preparar este presupuesto de modo realista. El c·lculo del costo de bolÌgrafos y l·pices puede parecer ridÌculo, sin embargo si su presupuesto es limitado, todo gasto cuenta.

Con Èctese. Monitorear sus gastos financieros es m·s f·cil que nunca. Desde las aplicaciones de los telèfonos inteligentes a software de planificaciûn financiera gratuito, puede obtener un informe financiero correcto en cualquier momento. Haga una investigaciûn en los bancos para determinar cu·les ofrecen servicios para ayudarle a mantenerse al tanto de su presupuesto. Tambièn, considere conectar su cuenta bancaria con la de su hijo, para transferir fondos online con facilidad.

Haga un plan. Cuando se asume una deuda, es importante tener un plan para cancelarla. Calcule los pagos mensuales y

el tiempo que le tomar· a su hijo cancelar la deuda. Investigue las escalas de salario en el campo en el que su hijo planea seguir una carrera para comprender la deuda que pueden cumplir realìsticamente. Puede encontrar m·s informaciûn y calculadores para ayudar a determinar los programas de pago y tasas de interès en, direct.ed.gov.

Haga su investigaciûn. Antes de sacar un prèstamo de estudiante, fÌjese en otras opciones, tales como ayuda financiera y becas.

Aunque algunas becas se conceden en base al mèrito acadèmico, otras se conceden sobre la base tanto del rendimiento acadèmico como de los servicios comunitarios. Foresters™, un proveedor de seguros de vida dedicado al bienestar de las familias y sus comunidades, es una organizaciûn que ofrece un programa de becas competitivas (1) abierto para los miembros elegibles y sus hijos dependientes, incluyendo los nietos, por un valor de hasta $8.000.

Los beneficiarios pueden utilizar la beca para asistir a universidades acreditadas, colleges e institutos vocacionales, siempre y cuando estèn estudiando para obtener su primer tÌtulo o diploma post-escuela

secundaria. Se ofrecen hasta 350 becas competitivas de Foresters, disponibles en Estados Unidos y Canad· incluyendo cinco Premios Ken Peterson a los servicios comunitarios. Estos premios tienen un valor de hasta $11.000.

Para m·s informaciûn acerca de oportunidades de becas concedidas por Foresters visite, foresters.com/membership/ scholarships.

Foresters™ es el nombre comercial y una marca comercial de The Independent Order of Foresters, 789 Don Mills Road, Toronto, Canada M3C 1T9; sus subsidiarias tienen licencia para utilizar esta marca.

(1)Este programa es administrado por International Scholarship and Tuition Services, Inc. Sûlo los miembros elegibles de Foresters y sus familias pueden solicitar estas becas. Los beneficios de los miembros de Foresters no son contractuales, est·n sujetos a los requisitos y limitaciones de elegibilidad y se pueden modificar o cancelar sin notificaciûn. Para detalles visite, foresters.com. la cortesìa de la foto de Getty Images English version on page 26

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Michael Giovanni in a scene from Hamilton Street.

Web Series Takes Harrisburg Viral

Nathan Gadsden

By Chelsea Hess-Moore, Photography by Jadrian Klinger

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hose who haven’t had the chance to visit Harrisburg would probably assume it is an average city filled with government buildings, the capitol building and downtown arts and entertainment. But the typical first perception that some out-of-towners may already have will probably be altered in the next coming weeks. With the launch of a new web series that is based and filmed solely in the city of Harrisburg, this capital city is going to get what is probably its first chance to go viral as viewers watch “art imitate reality.”

Hamilton Street is a look into the problems that not only Harrisburg, but also the U.S. as a whole is facing today. The synopsis of the series describes it to be a tale of heartache, intrigue, betrayal and redemption. The main character, “Tito” Williams, along with other characters, Marshall Rittenhouse, Kiana Rollins and Ritchie Logan, cross paths in the land of urban blight. With a storyline so raw and uncut that it is sure to provide entertainment, some may find it offensive and just too much for viewing.

But that’s exactly what Michael Giovanni, co-producer and the actor who plays “Tito,” was going for. As a graduate from Harrisburg High School, this 28-year-old came up with the main concept of the story to get the attention of the people who can help face these problems. “I was inspired because this is the lifestyle I see,” says Giovanni, an American actor of Hispanic 22

and Italian descent. “I lost a lot of friends to this lifestyle. This is the story I know, and my ultimate goal was bringing this series to the masses.”

In December 2011, Giovanni approached Nathan Gadsden, a freelance writer of primarily stage, screen and television productions. Gadsden, being a native of Harrisburg as well, took the idea and began writing a story put together of his personal experiences as well as Giovanni’s from growing up in this city. “I grew up on the 600 block of Hamilton Street, and living in Lancaster now and coming back to visit my city, my hometown, I watched my neighborhood change,” says Gadsden, founder of WordMaster Nate Productions LLC. “We did not do this to glorify the violence and the drugs, but we wanted to take a look at what happens and, of course, we wanted to entertain.”

The series was first released to the public on August 11. Every two weeks, a new episode will be posted, all viewable on YouTube. Some may wonder why the coproducers, Gadsden and Giovanni, decided to air the series on the web. “We chose the web because we could keep it uncut. It is a very raw, edgy depiction of this culture that is mainly urban society. It will get strong at times and is not recommended for everyone, but it’s happening in reality.”

With the content being of this nature, they recommend that viewers are over the age of 18. Giovanni anticipates that

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the niche age group that this series will appeal to is those ages 18 through 30.

As for others, he knows they will watch, impacting each viewer differently. “If it becomes popular, that’s great, but I really want to teach a lesson to whomever is willing to listen.”

Giovanni believes that most people will relate this series to HBO’s The Wire, which both Gadsden and himself have worked on in the past. But he believes that there is no other series out like this right now, making it one-of-a-kind. And through being on the web and more people being able to watch the series around the country, he hopes to provide a platform for up-and-coming actors from the area that are featured in the episodes. He wants to give them a chance to make it big, just like he was given the chance when he was discovered by Michael Kenneth Williams, the actor who played Omar on The Wire.

Through Giovanni’s experiences in working with hit productions such as Tyler Perry’s House of Payne and the recent blockbuster film The Dark Knight Rises, he’s seen that there is much out there to offer.

When many people think of Harrisburg, Pa., the first thing that comes to mind is the obvious: that we are the capital of Pennsylvania. But he really wants Hamilton Street to show that Harrisburg has a lot to offer as well. “I want to at least take one more step forward in letting the world

know that we can make productions and good productions at that. Years ago, a noted actor gave me an opportunity afforded to few in the entertainment industry. It became my goal to assist others in the same way.”

Through the series, actors from the area worked to get approved for the Screen Actor’s Guild, making them creditable to work in productions. Also in the series, viewers can hear the music of local up-andcoming artists hoping for some attention as well. But through all of it, both Gadsden and Giovanni hope this series has a positive impact on the community and the actions that people take to make it better.

“For certain, Hamilton Street will cause a lot of controversy; a lot of people will like it, some people won’t. But everyone will tune in because it will create much-needed conversation in our community as well as many others around the country. Some people might be offended by it, and if it does offend you, it means you need to get up and do something for the local community.”

Make sure to watch the first few episodes of Hamilton Street that have already been released on YouTube. This season contains 12 episodes, and season two is already in the works. To keep up with the series, “Like” Hamilton Street the Web Series on Facebook or follow their Twitter account @hamilton_street. Drug use and depiction of acts of violence.

Viewer discretion is advised.

Programas PHFA Pueden Ayudarle a Comprar La Casa De Sus Sueños Por el Brian A. Hudson Sr., PHFA Executive Director and CEO

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ay una casa en tu comunidad que has soñado comprar?

Bueno, permítanme presentarles la Agencia de Financiamiento del Estado de Pennsylvania, comúnmente conocido como PHFA. Nuestra agencia fue creada hace 40 años atrás, para expandir las opciones de vivienda accesibles para los residentes del Estado. Somos el mejor lugar para comenzar su búsqueda de vivienda, con una serie de emocionantes y nuevas opciones para los compradores y propietarios de casas existentes.

Noticias para dueños de casa El obtener una casa puede ser una gran experiencia. Pero a veces inesperados gastos pueden hacer difícil cumplir obligaciones hipotecarias, especialmente en la economía actual. La buena noticia para los ciudadanos de Pennsylvania es que nuestro programa de prevención de ejecución hipotecaria se ha reiniciado para

ayudar a los propietarios que se encuentran atrasados con sus pagos hipotecarios.

El programa de asistencia de emergencia hipotecaria de los dueños de casa HEMAP, trae las hipotecas actuales a los propietarios, y les puede ayudar con los pagos mensuales, mientras que las familias mejoran su economía. Conozca más sobre nuestro sitio Web en PHFA. org; mire el mensaje de una ejecución hipotecaria en "Temas candentes". O llame a la línea directa (800) 342 2397 los días de la semana y habla con nuestro equipo de servicio al cliente en horas hábiles. Una simple llamada puede salvar su casa.

Explorarando a los dueños de casa Es una opción interesante para los dueños de casa. Pero no es justo para todos.

Entonces, ¿cómo sabes si estás preparado para comprar una casa?

El PHFA ofrece una red estatal de consejeros de vivienda que – sin costo alguno le proporcionará respuestas a sus

preguntas de compra de casa. Ellos no sólo le ayudaran a hacer un mejor cálculo de costo acuerdo a su bolsillo, sino que también le ayudaran a escoger la mejor opción de vivienda según las necesidades de su familia.

Los consejeros están ubicados convenientemente dentro o cerca de la mayoría de las comunidades. Visite nuestro sitio Web en PHFA.org para obtener una lista de las agencias en su área de consejería.

Muy a menudo, hay personas que le gustaría comprar una casa y asumir deudas que no pueden permitirse. Pero en el mercado de la vivienda de hoy, a veces puede ser tan accesible como el alquiler de una casa. Antes de que usted asuma que no puede permitirse la compra de una vivienda, llame a nuestra línea directa (800) 822-1174, todos los días de la semana desde su casa y hable con nuestro equipo de servicio al cliente.

Nuevas opciones de préstamo Este año, el PHFA ha revelado nuevos programas de hipotecas con tasas de interés competitivas. Un programa no requiere de seguro hipotecario privado, que pueda ayudarle a reducir sus pagos mensuales.

Todos ofrecen asistencia de pago inicial y los costos de cierre, haciendo la compra de vivienda más accesible que nunca. Por favor, hable con nuestro personal calificado a la línea directa para ver si usted califica con este programa.

Le invito a explorar nuestro sitio Web en PHFA.org para que vea todo lo que tenemos que ofrecerle, y comience con la búsqueda para comprar la casa de sus sueños. Podría sorprenderse al encontrar que la compra de vivienda que has estado soñando está realmente al alcance de su bolsillo.

PHFA Programs Can Help You Buy Your Dream Home

By Brian A. Hudson Sr., PHFA Executive Director and CEO

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s there a home in your community that you’ve been dreaming about buying? Well, let me introduce you to the Pennsylvania Housing Finance Agency, commonly known as PHFA. Our agency was created 40 years ago to expand affordable housing options for the state’s residents. We’re the best place to start your housing search, with a number of exciting new options for homebuyers and existing homeowners.

Breaking news for homeowners Owning a home can be a great experience.

But sometimes unexpected expenses can make it hard to meet mortgage obligations, especially in today’s economy. The good news for Pennsylvanians is that our 24

foreclosure prevention program has been restarted to help homeowners behind on their mortgage payments.

The Homeowners’ Emergency Mortgage Assistance Program, or HEMAP, brings homeowners current on their mortgage and can help with monthly payments while families get back on their feet. Learn more on our website at PHFA. org; look at the foreclosure message under “Hot Topics.” Or call the HEMAP Hotline weekdays during business hours at (800) 342-2397. A simple call may save your home.

Exploring homeownership Owning a home is an exciting option.

But it’s not right for everybody. So how do you know if you’re ready?

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PHFA offers a statewide network of housing counselors who – at no charge – will provide answers to your home-buying questions. They’ll not only help you crunch the numbers, but they’ll also help you decide on the best housing choice for your family’s needs. Counselors are located conveniently in or near most communities.

Check out our website at PHFA.org for a list of counseling agencies in your area.

Quite often, people who would like to buy a home assume they can’t afford it. But in today’s housing market, homeownership can sometimes be as affordable as renting.

Before you assume you can’t afford that home purchase, call our homeownership hotline weekdays at (800) 822-1174 and talk with our customer-service team.

New home loan options This year, PHFA has unveiled some new mortgage programs with competitive interest rates. One program doesn’t require private mortgage insurance, which can help lower your monthly payments.

All offer down-payment and closing-cost assistance, making that home purchase more affordable than ever. Please speak with our staff on the homeownership hotline to see if you qualify.

I invite you to explore our website at PHFA.org to see all we have to offer as you begin your search to buy your dream home. You might be surprised to find that the home purchase you’ve been dreaming about really is in your financial reach.

Spanish version on page 21

Financial Planning Helps Manage Student Debt Family Features

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n an increasingly competitive global market, education is becoming more important. But many families find the cost of education to be outside their grasp. According to a study commissioned by the U.S. Department of Education, from the 2001-02 to the 201011 academic year, the cost of attending a four year undergraduate in-state school rose by 47.3 percent.

With ever-increasing education expenses, many families are accumulating significant debt, putting students further behind.

However, with planning and financial management, students can control their finances. Here are some tips for parents of soon-to-be college students.

Start the conversation. Talk with other parents, teachers and guidance counselors about the cost of education. Make contact with the student financial aid offices of the colleges on your child's list and get an accurate estimate of the cost of each institute.

Most importantly, talk with your child. It is

imperative your child learns the budgeting process as they will soon be managing their finances away from home.

Set the budget and stick to it. Once you have a set budget, add wiggle room for other unforeseeable expenses. Make sure you set this budget realistically. Calculating the cost of pens and pencils may seem ludicrous, but if you’re on a tight budget, every expense counts.

Get connected. Tracking your financial spending is easier than ever. From smartphone apps to free financial planning software, you can get an accurate financial report at any time. Research banks to determine which ones offer services to help you stay on top of your budget. Also, consider linking your banking account with your child’s, to easily transfer funds online.

Make a plan. When taking on debt, it is important to have a plan for paying it off. Calculate the monthly payments and time it will take your child to pay off the debt. Research salary ranges for the field in

which your child plans to pursue a career to understand the debt they can realistically carry. Find more information and calculators to help determine payment schedules and interest rates at direct.ed.gov.

Do your research. Before taking out a student loan, look to other options, such as financial aid and scholarships. While some scholarships are awarded on academic merit, others are given based upon both academic performance and community service. Foresters™, a life insurance provider committed to the well-being of families and their communities, is one organization that provides a competitive scholarship program1 open to eligible members or their dependent children, including grandchildren, worth up to $8,000.

Recipients can use the scholarship to attend accredited universities, colleges and vocational schools, as long as they are pursuing their first post-secondary degree or diploma. There are up to 350 Foresters Competitive Scholarships available, in the

U.S. and Canada including five Ken Peterson Awards for Community Service. These awards are worth up to $11,000.

Learn more about the scholarship opportunities awarded by Foresters at foresters.com/membership/scholarships.

Photo courtesy of Getty Images Foresters™ is the trade name and a trademark of The Independent Order of Foresters, 789 Don Mills Road, Toronto, Canada M3C 1T9; its subsidiaries are licensed to use this mark.

1This program is administered by International Scholarship and Tuition Services, Inc. Only eligible Foresters members and their families can apply for these scholarships. Foresters member benefits are noncontractual, subject to eligibility requirements and limitations and may be changed or cancelled without notice.

For details, visit foresters.com.

Want to work in the fun, fast-paced world of advertising sales?

We have a position open for a dynamic account representative to work with La Voz Latina Central clients.

If you have ambition and the drive to help connect different cultures, please give us a call.

Bilingual preferred.

Contact our editor-in-chief, Patti Boccassini at (717) 233-0109–ext. 130, or send your resume to pboccassini@harrisburgmagazine.com. ¡Llame ahora! Gracias.

SWEARING IN The GACLA commissioners with Governor Corbett.

“I am extremely honored to be appointed with such a great group of Latino leaders that are recognized throughout our state. We all have a deep and sincere passion to help our community, especially our Latino residents. Our focus will be on education, business development and civic engagement. One of my passions is the education segment. We desperately need to identify why our Latino dropout rate is so high. This demographic group is growing, so the question will be, will this be the growth of future leaders and role models or will it be a dependant group? We all have a stake in this.” ~Esmerelda Hetrick 26

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