HERB MONCIBAIS
“Cosechando dinero de los árboles”
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Editor’s Letter “A horse that watches the mare for three years and neighs not, either doesn’t like the mare or is of a brown strap.”
Juan Miguel López Editor in Chief
I suppose that many of you are curious why I often start my “Letters from the Editor” section with unusual phrases, quotes and comments, often found within the business world, an area I have insisted on remaining last few years.
It all makes sense though, as I spent my youth living between Guanajuato and Jalisco, where cavalry reigns. It is there that I studied music, recorded and sang “Rancheras”, along with a Tenor, in cities where the phrase listed above, is defiantly understood. For within these cities, I found the very essence of who I am today. As we end 2015, all or most of us reflect upon the goals we had out to achieve at the beginning of the year. For many it was easy to achieve all that was imagined, however, while some are delayed, a select few are still standing right where they were at the start of this year, grasping a paper list of goals not yet achieved. The achievement of goals requires action. One must partake, not just in the creation of their dream, but also in its forward movement to reality. This requires focus, commitment and the motivation to work tirelessly towards its fruition. Santa Claus will not come to work for us, nor give us a manual on “How to achieve goals without effort” because this does not exist. A person who sabotages themselves, year after year, becomes their own worst enemy. There is nothing in the way of their success but them, and justifying their lack of action, only makes things worse. For them, time becomes a constant reminder of their failure to achieve goals. Time is unforgiving, we become older, our energy diminishes and once prominent opportunities fade into oblivion. That person is both the horse and the mare, listed above, who then becomes the brown strap, stuck in the mud, rusting away in stagnation. Friends, don’t become such a person, don’t wait until the beginning of 2016 to make your New Year’s resolutions, do it now, take the action to make them happen at this precise moment!
Editor in Chief Juan Miguel López Director Ignacio Peraldi Editorial Design Brenda Padilla Publishing Claudia Valdés Magazine Consultant J.L. Garrett Collaborators Verónica Portillo José Octavio Tripp Adriana Medina Jesús Hernández Ruby López Antonio Juárez Monica Oceguera Adryana Boyne Nancy Richer Gabriel Borja Jorge Romero Josefina Vázquez Mota Information (469) 791-0465 5080 Spectrum Dr. East Tower Suite 1000 Addison TX 75001 www.revistahabitual.us All rights reserved
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Index 6 THE CONSUL
20 RIGHTS AND HUMANITIES
Year of shared progress By José Antonio Tripp
I’m a victim of a Lawyer By Nancy Richer
8 ITS ECONOMY
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Managing your money correctly By Claudia Valdés
DACA: Deferred Action for Childhood Arrivals By Dobrina Dobreva
10
24
Innovation: The Engine of Economic Development By Belén Franco
The fight against simulation By Josefina Vázquez Mota
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26
10 Steps before exporting By Gabriel Borja
15 ADVANCES AND TECHNOLOGY
The perfect machine for hard work By Francisco Rayo
16 FINANCIAL TIME
The Rewards of Power By Adryana Boyne
28 ON THE COVER
MITO GROUP, A company committed to the latino community By Jorge Romero
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Why pay attention to your credit score By MITO Financial
The Facebook Therapy By Ruby López
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My credit, my home By Adriana Medina
19 The Entrepreneur and the Franchise By Francisco Téllez
Who is my Child: 5 messages our children long to hear By Ricardo Riojas
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Life Expectancy By Graciela Ceballos
36 Christmas Tree By Red de Talentos
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Habitual is a monthly and gratuitous magazine published by MITO Group, LLC. 5080 Spectrum Dr. Suite 1000 East Tower, Addison, TX 75001. Telephone (469) 7910465. The expressed points of view from collaborators, do not necessarily reflect the opinions of MITO Group and are to be considered the exclusive responsibility of its authors. For this edition, 40,000 units were distributed.
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New Year Wishes By Jorge Romero
38 To Achieve By Mรณnica Oceguera
39 Our Origin and Conditions: Part 1 By Enrique Palos
41 EATING IN DALLAS Pollo Regio By Antonio Juรกrez
42 FASHION & STYLE Christmas: Goodbye to Excess! By Milton Zaldivar
45 MITO SPORT Club World Cup Japan 2015 By Belen Franco
46 Championship Cup Day 2015 By Antonio Juรกrez
48 EVENTS Luncheon: November Review By Addison Hispanic Chamber
50 Brainstorm: A success Changing Lives By Addison Hipanic Chamber
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The Consul A fruitful 2015
Year of shared progress By JosĂŠ Octavio Tripp
This 2015 was a year of intense and productive activity for the Consulate General of Mexico in Dallas. With the support of various partners from both sides of the border, the consulate could deploy an active role in promoting a win-win relationship between Mexico and northern Texas. The agenda deployed throughout the year included as diverse as relevant in the fields of education and culture, economic development, community development, consular affairs and policy dialogue activities. One of the most important events was undoubtedly the announcement made by the prestigious Southern Methodist University (SMU) on the upcoming opening of the Mexico-Texas Research Program, thanks to the generous donation of Mission Foods, a Mexican company in Dallas. Mission Foods made the donation several years ago and, fortunately for the Consulate of Mexico, fellow traveler on several initiatives to help
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the community and the region. It is expected that this program, which will eventually become a Research Center, started its formal activities in April 2016. In the cultural sphere, the sculptural display maestro Jorge Marin, called “Wings of the City “ was a resounding success during his months of exhibition both Dallas and Fort Worth, in the latter city, was described as “ display year “ by a magazine specializing in the subject. The combined efforts around this project achieved between the Government of Mexico and numerous city actors (led by Mayor Betsy Price), were crucial to their successful development. In the areas of political dialogue and economic promotion, deserve special mention two projects respectively intertwined: the lecture Mexico -Texas co-organized by the Consulate together with the World Affairs Council DFW chapter, and the visit took place within that framework, in July this year by the then Foreign Minister of Mexico, José Antonio Meade. In the proper consular services and community level highlights several achievements: the abatement of waiting times in obtaining an appointment (four months in 2014, eight days currently), obtaining birth certificates in the consulate, opening the window of educational opportunities in partnership with the University of North Texas, the inauguration of Eduardo Mata playroom at consular facilities, and the fifteenth edition of the Health Fair held last October, among others. In all these actions, he counted on the continued support of community leaders and other hometown operating in
the area. Activities like these, the Consulate General of Mexico in Dallas confirmed his vocation of service for the community and contributed their grain of sand, to an even more intense and beneficial interaction between northern Mexico and Texas.
The relationship between Mexico and northern Texas had strong growth throughout the year
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It’s Economy
Personal Finances
MANAGING YOUR MONEY CORRECTLY In the last month of the year, we usually make extra purchases, let’s be aware so these debts do not surprise us at the beginning of the next year.
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By Claudia Valdés
Every month we are confronted with the task of making ends meet, and it is during this time of the year that we spend more than we normally contemplated such as: visiting a relative in another city, buying last-minute gifts, flaunt a Christmas dinner and so on. The following tips will help you seize the money you get through hard work and effort. * Do not spend more than you have. Many people often make purchases of large amounts of money without considering the consequences that this can bring in the coming months. If you have a fixed income, take that into consideration of how much you “can” spend, and consider payables (previous debts) too. We need not be impulsive when shopping, and we have to spend wisely, contemplating the balance between a need and a want. * If you have debts, pay them off, don’t accumulate more. This aspect alone will benefit you in the short term, for the faster you pay off your debt, the more cash you will have at the end of
every month. To organize your debts, you must first know what they are. Keep receipts for credit card payments, and track your expenses, as you will be unable to memorize each of your financial activities. Try to pay off your bigger debts, as they take the greatest chunk of your income, thus getting rid of them will bring you more economic stability.
Create an emergency fund, for those unexpected situations; ranging from job loss to the death of a loved one.
*Save every time you can. The pace of modern life has led us to work for a living, but we also need to have savings earmarked for any emergency that may arise; accident, illness, job loss or the death of a loved one, and so on. For this, you will need to reduce some unnecessary expenses. Keep a fixed percentage of their entries and try not to spend it. It is important to know and be aware of your income and your expenses, so your everyday expenses and debts do not take you by surprise, especially at this time of the year, so plan ahead for the upcoming expenses that come with the “slope of January.” If you follow these tips, you will have a much more relaxed economic situation, and this will ease your worrying about paying all your debts at the same time.
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13ª Business Summit
INNOVATION
The Engine of Economic Development By Belén Franco
At the end of last October, the 13th edition of the Mexico Business Summit was held in Guadalajara, Jalisco, Mexico. The central theme of this great event was, “Innovation: The Engine of Economic Development”. Belén Franco, Director of Corporate Affairs for MITO Group, participated in this three-day event. During the summit, many im-
MITO GROUP participated in this event looking to improve trade relations 10
By Belén Franco
portant entrepreneurs, national and international authorities, leaders of Industry, and highly respected persons participated as keynote speakers. Among these dignitaries were; Mr. Aristóteles Sandoval Diaz, Governor of the Jalisco State, Mr. José Antonio Meade, Secretary of Social Development of Mexico; and the Honorable Enrique Peña Nieto, President of Mexico. The event was very successful in highlighting its economic approach in for the exchange of ideas for the development and improvement of trade relations between Mexico and the United States, among others, but specifically ratifying Mexico’s position as one of the top leading countries for innovation, investment, growth, and new business opportunities.
A successful event within the economic approach for the exchange of ideas for the development of EU -Mexico relations
Belén Franco and the President of Mexico Enrique Peña Nieto
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By Gabriel Borja
The Need for Competition
10 STEPS before exporting The idea is to study the market we want to reach
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connecting
Business
E
xporting is not just for the big companies, there is a need for the existing highly competitive environment. Analyze your production capacities, human, economic and financial resources.
1. Conduct market analysis. You need to identify whether there is a need that can be covered by your product or service that allows to know potential barriers to enter your target market.
7. Develop business cards, catalogs, brochures and other promotional materials Attractive for the customer in the language of the target country, supplementing all the details of your product or service.
2. Studying the size of the competition. . If you think you have no competitors, you have not investigated enough, do constant research to analyze their strategy and market products. Differentiation is the key factor.
8. Product knowledge. When customers ask, say the basics about your product and respond quickly with precise words. If it’s a product, inform the customer about production capacities, facilities, product quality, available supply, packaging, transportation and price.
3.Determine the size of the market. Seek support from foreign trade consultant, it is important to know the size of the market and, based on that size, work the supply. 4. Offering a product according to the needs of foreign markets Listen to your customers and meet their needs. If you give them too many options can be confusing 5. Engage in the country’s fairs of your sector In international trade fairs, there are real opportunities to display products and network with potential customers. 6. Consider forming a partnership, strategic alliance or joint venture with a renowned company in the country where you want to do business. A local partner knows best the regulations
9. Be patient And always assume that if something is not working as expected, you’re not trying hard enough. Keep trying, using a different approach may be necessary to achieve the desired result. 10. Maintain long-term relationships with customers Visit your customers regularly, personalize your relationships. You must be willing to give in and commit when needed. If you develop these skills before starting your export activities, your chances of success abroad will improve remarkably.
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Ford F-250 Crew Cab Super Duty XLT 2016
The perfect machine
for hard work. By Francisco Rayo
Ford had no qualms about leading for many years the Pick-up market and in the 2016 models, it is the F Series that is asserting its leader -ship. We have found that the F-250 XLT Crew Cab Super Duty does not own such a refined cabin as the King Ranch, but it has enough elements to register as a special ally for hard work The new F-250 has two options, a diesel engine or gasoline engine. In the case of our test truck it had a powerful gasoline engine 6.2-liter V8. There is no rough work truck in the market similar to this one in terms of power and torque, reaching 385hp and 405lb-ft torsion. The engine is accompanied by a 6-speed automatic transmission with TorqShift and SelectShift system. The first was designed to deliver performance and reliability in high-torque motors; while the second, limits the range of changes to block the overdrive for a smooth speed in hills and mountains. The F-250 is designed as the new Ford trucks series to load and haul with a ferocity never seen before.
Provoking admiration even when driving and towing heavy loads under adverse conditions, they also have a well-tested auxiliary towing system. Among other elements that increase their power, are its chrome steel front and rear bumpers,
with a grainy upper cover and a black air lower deflector in the front. Telescopic side mirrors with electric and heated glass. Gas shocks, cast aluminum wheels bright machined 18 “(SRW). Grappling hooks into the box and downcast to front towing. The cockpit, in addition to a great spaciousness, provides some comfort not end the day exhausted. It features an auxiliary audio input jack, AM / FM and SiriusXM satellite radio, CD player with MP3 ca-
pability and four super powerful speakers. And of course, it has the well-known and prestigious SYNC system, which carries communication to another level. The security package that the F-250 XLT enjoys rejuvenates this light new truck. In addition to vehicle security, its numerous airbags provide added advantages against lateral impacts. It also comes with Advancetrac (RSC) and tow control that prevents accidental swing incidents. The security package enjoyed by the F-250 XLT further appreciates this new truck. In addition to front airbags of the Personal Safety System Super Duty, it also has front air bags and side impact CAFETY Canopy system. It comes with AdvanceTrac with RSC and trailer sway control on all models with single rear wheels. We can safely say that no matter the job, with this truck everything will be lighter and fatigue will dwindle dramatically.
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Financial Time Decisive factors for Loans
Why pay attention to your
credit score?
By Adriana Medina
Our credit history can open or can close our opportunities
O
ne of the most important factors within the American Credit System, is the personal credit score. It is important to understand that the individual credit score will determine the rate of interest you pay on borrowed funds. It’s simple, the higher your score, the lower the interest rate. When you apply for a loan, whether it be for a home, car, or even just a credit card, financial institutions check your personal credit report and score, to determine the amount of risk they are taking by lending you their money. It would make sense then, that a credit score is calculated, in part, from the information found within the individual credit report. Your personal credit report shows detailed information on each credit account you have, or had, and how you managed them. Prompt on time payments, increase your credit score, while late and past due payments, decrease your credit score. The most widely used credit scoring system used for calculating a credit score is called the FICO score. Financial institutions, along with many other companies, make thousands of decisions a day, based solely on the FICO score, especially when granting
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personal or business loans and lines of credit. Normally, these scores range from 300 to 850 and are calculated based on information reported to FICO from the three major consumer credit reporting agencies known as Experian, Equifax and TransUnion. While your credit score will show the type of financial risk you are, it will not show the type of customer you are, being a “good or bad� customer, will always reside with you.
Your personal credit report shows detailed information on each credit account you have, or had, and how you managed them.
The Credit Experts Team
Get in touch with one of our advisory experts in credit and business development.
Info: (469) 791-0465 or (214) 995-2490 17
MY CREDIT,
By Adriana Medina
MY HOME.
There are many reasons why your credit score can be affected, fortunately, many of them have a solution.
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B
uying your home is not only one of the most important investments you can make in your life, economically speaking, but represents also an emotional feeling of protection for you and your family as well as safety and importance of those around you. It also allows you to be an example for others, since everything we do and the decisions we make will guide those who observe us. That’s why before starting a preapproval process of purchase, give us the time to analyze your credit, it may be necessary to take some actions before sitting in front of a loan officer. The facts to consider as essentials to acquire the keys to your new home are: employment history, income stability, housing history, and following is the certainly of the “magic key” called credit history. The day you are meeting with a loan officer, he will consider all these facts to evaluate the potential for you to become a homeowner.
Have you ever you wonder what would happen if your credit is damaged? i.e. not meeting the required score to qualify to purchase your home? If the answer is yes, you should be prepared to postpone the process, at least temporarily, and then approach an expert in credit, since the decrease of its points can be due to various factors such as the delay with any payment, exceed limits on the credit cards, stop paying a debt, lending your information to third parties, etc. There are many reasons why your credit score can be affected, fortunately, many of them have a solution. A credit professional will provide a snapshot of your current credit situation, then prepare a specific plan of action that helps you reach your financial goals. I hope to hear soon that you have the keys to your NEW HOME!
The Entrepreneur and the Franchise By Francisco Téllez
Partiendo de un Concepto Básico
KINDS OF ENTREPRENEURS Creativo Innovador Inovatoreand Creative This type of entrepreneur wants to create a unique franchise that does not yet exist, but is confident that it could become a successful business. • Start from scratch • They look at everything from a different perspective • See the application in mak ing things simpler
Calificado Qualify
Empresario Entrepenur
. This entrepreneur wants to buy a franchise in a specific territory where business is already running.
This entrepreneur envisions his business as a franchise, seeking to grow or expand into other places.
• He is looking for opportunities • Has some experience • He is looking for additional income
• Willing to take advice 4 • His business is successful • Constantly asks if it is the right moment for expansion or not
The difference of entrepreneurs in terms of risks: Mostly does not consider risks
Chooses not to place much importance on risk evaluation
Takes too many risks
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Preventing without Regretting
I am victim of a lawyer
I
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t is very important to know when you are a victim and when you are not. When a fight with your partner is just that, a fight, or when you are actually a victim of abuse at work, etc. In numerous abuse cases, I have discovered that the same lawyer called upon to protect the victim, can take on the role of the abuser. This abusive attorney may see the victims as vulnerable, weak and easy to deceive.. Taking advantage of their knowledge and the victim’s lack of it in these affairs, the lawyer makes them believe that they can go forth with their case, when in fact, they themselves know that their client has a non winnable case., Knowing they can not win their case, this professional abuser requires a monthly payment from their victim anyway, feeling no remorse along the way. So how do we prevent this abuse? You’re trusting someone who knows the law! 1. Enter: https://www.texasbar.com 2. It says: Find a lawyer. For the public. First Name: Last Name: If you know the name of the law firm, write it in, if you do not, then leave it blank. You will find the following indicators: • A green box next to their name means: he or she is an authorized lawyer, but only within the specialties indicated. The address provided,
must be at the same location as the appointments scheduled with your lawyer. • Red box: Unable to exercise. He or she cannot represent you. Do not hand him or her money, and do not trust them with your papers nor documents. • Blue diamond: He or she is currently inactive, for whatever that reason might be, they are not actively practicing law. As stated above, they would need to have a green box showing in order to represent you. • A blue triangle: He or she has died. You can find this information and more, by simply going to the State Bar of Texas webpage. If someone tries to tell you that a lawyer is not on the state bar list, but can still practice law, do not give them any further information about your case, and especially do not give them any money. Always check the Bar Association of Texas webpage, protect yourself accordingly, and ensure you are not their next victim. PREVENTION, it better to be safe, than sorry.
By Nancy Richer
www.hispanoseneu.org hispanoseneu@gmail.com
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DACA
Deferred Action for Childhood Arrivals By Dobrina Dobreva
What is DACA?
On June 15, 2012, President Barack Obama announced that certain people who came to the United States as children and meet several key requirements would not be deported. Under the directive from the Secretary of Department and Homeland Security, these individuals may be granted a type of temporary permission to stay in the U.S. called “deferred action.” Deferred action does not provide an individual with lawful status. Instead, it is a discretionary determination to defer removal action of an individual as an act of prosecutorial discretion. Individuals who are granted deferred action would be eligible for work authorization. If approved, the work authorization is valid for two years, subject to extension.
How do I Qualify?
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In order to qualify for DACA, applicants must meet the following requirements: • Were under the age of 31 as of June 15, 2012; • Came to the United States before reaching your 16th birthday; • Have continuously resided in the United States since June 15, 2007, up to the present time; • Were physically present in the United States on June 15, 2012, and at the time of making your request for consideration of deferred action with USCIS; • Had no lawful status on June 15, 2012; • Are currently in school, have graduated or obtained a certificate of completion from high school, have obtained a general
education development (GED) certificate, or are an honorably discharged veteran of the Coast Guard or Armed Forces of the United States; and • Have not been convicted of a felony, significant misdemeanor, or three or more other misdemeanors, and do not otherwise pose a threat to national security or public safety.
Application Process and Fees
Everyone who qualifies for either DACA request or a DACA renewal must use the revised DACA application form (Form I-8921D), form I-765, Application for Employment Authorization, and Form I-765W. In addition, applicants should collect documents that prove their identity, and continued presence within the United States. As a general matter, the Immigration Services do not require original documents. However, applicants must provide copies of passport, birth certificate accompanied with photo ID, a national identity document from their country of origin showing their photo, or similar documents with photos that are relevant to support their case. The fee to apply for DACA is $380-$465 filing fee plus an $85 biometric services fee for fingerprinting. According to USCIS, these fees can be waived in very limited circumstances.
Travel Outside the United States with Ap-
proved DACA
Travel outside the U.S. for DACA approved cases is permissible in limited circumstances. To travel abroad legally, a deferred action recipient must get an advance parole document by filing a Form I-131, Application for Travel Document and paying the applicable fee ($360). Generally, USCIS will only grant advance parole if you travel abroad for the following reasons: • humanitarian purposes, including travel to obtain medical treatment, attending funeral services for a family member, or visiting an ailing relative; • educational purposes, such as semester-abroad programs and academic research, or; • employment purposes such as overseas assignments, interviews, conferences or, training, or meetings with clients overseas. Travel abroad for vacation or recreation purposes is not permissible for DACA applicants.
Do not be a Victim of Immigration Scams
Beware of scammers who may spread false information and mislead people by charging for unnecessary services. These scams can occur in person or over the telephone or Internet.
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A practical everyday
The fight against SIMULATION The seriousness of this culture is not cheating, but take care not to be made public By Josefina Vázquez Mota
We blend and practice the verb: “simulation” thousands of times every day in our country. We try and insist on presenting it as true or real, false or imagined. It is this stubborn attitude of pretending to represent something that is not. For a civic culture, building the progress of a nation with pride and honesty is required, simulation of that feeds delusion, generating enormous wear upon thousands of citizens, preventing them from recognizing problems, challenges and how to solve them.
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There seems to be an unwritten rule, within the simulated culture: “as long as it’s not discovered, “ we will continue “cheating” others. The worst is no longer violating the law, extortion, bribery, manipulation or cheating, it’s keeping it from becoming public, “not to be discovered”.We simulate when a student submits a homework that did not do, but paid to have it done. We simulate when salaries have been paid that have not been accrued yet. We simulate when we say we love Mexico and knock off pieces of pride, credibility and grandeur on a daily basis. When simulate to demand to comply with the law, but as long as it is the others who comply. We simulate when we sit at the table with those we harshly criticize in private but publicly present us as allies and friends.
On several occasions when someone is facing a difficulty or risk and asks: “and now, what shall I say?” it is a sign they he/ she is exploring different paths far from the truth. We tend to apologize to our interlocutor when he strips off our simulation mask: “Please, forgive me, but I have to tell you the truth ...” “forgiveness for what I’m going to tell you, but I have to do ...” Breaking the simulation can be highly expensive. Listen to what you do not want to hear; to ask and to accept answers that discard selfimposed or required subordination from who serves as authority. Whoever tries to simulate in a meritocratic culture soon learns that this does not work and learn to play by the new rules. There are rough practices such as the intervention of authorities in electoral processes, but simulation weighs more, we pretend we don’t know or not looking; it is a temporary convenience because we do the same at home, or, because the frustration of impunity is so great, that we renounce to continue fighting these battles. We become blind eye to avoid conflicts
and sometimes we hope that will be time or someone else who will solve them. The same applies to many other authorities, the best option is to stop doing and letting go away. Citizens and authorities practice simulation and therefore institutions are violated daily. It is no coincidence that Mexico, is a country that tops the list of disregarding the law. Deception from political or economic power, with some exceptions, have no consequence. Only the culture of simulation who temporarily “avoids� efforts, responsibilities and costs, also prevents a better future, a country with rule of law, with credibility and accuracy that is demanded today, and today becomes essential to reverse the weariness and disgust of millions of Mexicans.
We simulate when we publicly show as friends who criticize in private We are caught in a vicious circle because as we change rules, perverse incentives and processes where corruption and impunity prevails, and while lying has no consequences, thousands of Mexicans must invest much of their energy and time looking for shortcuts to lower the collateral damages. To work to reverse the culture of simulation and simultaneously, transform and strengthen our institutions, are two sides of the same coin. It is not enough the best decision or best of intentions to be democratic or to abandon simulation. We need to build the framework to make it possible. We are running against the clock, and we should and can do something about, in at least, one of the faces of this coin, so the culture of simulation does not end up snatching our trust and hope for the future.
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THE REWARDS
of power
Paul Ryan: New Speaker of the House of Representatives and second in line to the presidency of the United States.
By Adryana Boyne
R
epublican Congressman Paul Ryan, was elected as the Speaker of the United States House of Representatives on October 29, replacing Speaker John Boehner. Ryan was elected with a majority of votes: 236, which lead to the win, as he surpassed the 218 votes needed. During the 2012 elections, Paul Ryan was the Vice Presidential candidate running with Mitt Romney. 45 years old Ryan has
represented the first congressional district of Wisconsin since he was 28 years old, making him the second youngest congressman in the house during 1998. Ryan is now the 54th speaker in US history. Ryan follows the Vice President in line to the presidency of the United States in accordance with the Presidential Succession Act. The line of presidential succession defines who may become or act as President of the United
States when a disability, death, resignation or removal from office occurs. We hope to see Ryan deliver clear and strong leadership for our country, including the improvement of our economy and national security, among other important issues. The presidential succession of President Barack Obama right now is as follows:
Vice President of the United States Speaker of the House President pro tempore of the Senate Secretary of State Secretary of the Treasury Secretary of Defense Attorney General Secretary of the Interior Secretary of Agriculture Secretary of Commerce Secretary of Labor Secretary of Health and Human Services Secretary of Housing and Urban Development Secretary of Transportation Secretary of Energy Secretary of Education Secretary of Veterans Affairs Secretary of Homeland Security
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Joe Biden (D) Paul Ryan (R) Orrin Hatch (R) John Kerry (D) Jack Lew (D) Ashton Carter (D) Loretta Lynch (D) Sally Jewell (D)[a] Tom Vilsack (D) Penny Pritzker (D) Thomas Perez (D) Sylvia Mathews (D) Julián Castro (D) Anthony Foxx (D) Ernest Moniz (D) Arne Duncan (D) Robert McDonald (R) Jeh Johnson (D)
•[a] Not a natural-born citizen (acquired U.S. citizenship by naturalization) and thus ineligible for the Presidency.
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MITO GROUP
A company committed to the Latino Community
By Jorge Romero
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An organization committed to the interests of Latinos living in the United States Mito Financial is a company committed to the Latino people of its community. They accomplish this by providing meaningful advice to these individuals, businesses, and entrepreneurs so that they may successfully join the economic sector of this country. Established in 2007, Mito Financial initiated its objectives with discipline, order, perseverance, passion and for this effort, in 2013 it received the coveted Blue Ribbon Award from the US Chamber of Commerce.
But what’s behind this fast paced path to success? Juan Miguel Lopez, CEO of the company, said: “Our success is the result of developing leaders, not employees. Through teamwork, we help each member develop their talent, skills, and abilities. Couple this with making everyone feel like family, and you have a recipe for success.” Ignacio Peraldi, Corporate Image Director, also mentioned that the company worked like one great big family, all provi-
Mito Financials’ free Business Seminars have resulted in creating over one thousand new Latino businesses and consequently generated more than 4,000 new jobs. New partnerships with leading companies like; The Tri-County Regional Hispanic Chamber of Commerce, Imexport, The Talent Network of Dallas, and the Irving/Las Colinas Chamber of Commerce, just to name a few.
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ding each other with the tools necessary to grow as individuals and professionals. That growth transcends into the high-quality products and professional services we offer to our clientele.” Likewise, Belén Franco Zaldívar, Director of Corporate Affairs; Elvira Calderón, Director of Operations; and Adriana Medina, Manager of Mito Financial, all agreed that the CEO’s family-like philosophy created within them, a sincere desire to help, serve and grow the Latino community within the United States. The Mito Financial team wishes you and yours a Merry Christmas and successful New Year. May all your dreams come true in 2016.
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INFORME ANUAL
Closing a successful year! Our mission is to promote policies that contribute to the exchange of investment, trade and services between organizations and companies, located in different cities and states, that offer our members opportunities for expansion and growth in other areas of the country and Latin America. During 2015 there have been several events with great success and efforts in order to fulfill this mission, we have ratified thus our values ​​of work, honesty, solidarity, social responsibility, integrity and legality. The Addison Hispanic Chamber of Commerce is pleased to invite you to the presentation of its annual report, in which all actions taken during this period will be evaluated, and shared on the projects to be developed in 2016. We look forward to your presence. Place: Dallas Museum of Art 1717 N Harwood St. Dallas, TX 75201 Date and Time: Wednesday, December 9, 2015 5-9 pm R.S.V.P. before December 7 by phone: (469) 791-0465
Enterprise
Of the Addison Hispanic Chamber of Commerce
Club
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Immediate Support
The Facebook
Therapy
By Ruby L贸pez
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Many people use this network as a way to vent their feelings and to feel better
W
ith nearly 200 million users, Facebook is one of the most used social networks in the world. The advantages are that users can: reunite with family or friends not seen for some time, make new virtual friends, look for work, socialize, advertise, do job sharing, form affinity groups, invite both private or business events, etc. Beyond that, their browsers also found that Facebook is kind of therapeutic center, where some use their walls as the psychological couch to express their feelings, moods, health and ideas. It is like a window of relief in situations of bitterness, loneliness, sadness and disappointment. The therapy begins when there is an intention to post on the wall, you know there will be someone across willing to comment, contribute, guide, or suggest something positive in any situation. Even if you feel crestfallen and not even have the intention of writing anything, knowing that each day you will find people who are given the task of putting positive messages, prayers,
thoughts, or jokes, and just to read them, it is sufficient to feel comforted and better. The answers are always immediate, which helps a lot. With only the push of a button on our computer or smartphone, plenty of friends afar will send messages of comfort, rejoicing images, all at once. Here, we do not have to make an appointment with the therapist and wait a week or a month to get assistance, in a matter of seconds the “help� is received, improving our mood which is very comforting. In this sense, communicating through this wall, what we’re going through or what we are feeling, getting support, advice, making us feel better, even momentarily, is a therapy through Facebook. Have you experienced it? Inter-texts: Facebook is a kind of therapeutic center, where some make the wall a therapeutic couch to express their feelings. With the push of a button on our computer or smartphone we have plenty of afar friends.
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Who is my child?
messages our children long to hear With simple but sincere phrases, we can show them our support and love. 1.- “I’m proud of you”. With this simple phrase, we help to build our child’s self-esteem. Traditionally, we express this to our children when they are successful at something, but later in life, when they are teenagers, for example, this becomes even more relevant when expressed to them in failure of something. We should be proud of our children, recognizing them for who and what they are, all while celebrating their sincere efforts at self-improvement. With that said, it can become difficult to be proud of them, when it seems at times, they constantly make bad decisions. However, remembering that we love them, no matter their imperfections, situation, or standing, because, in the end, love is always unconditional. 2.- “I’m here” or, “I will always be here to listen”. It is of great importance to always demonstrate that as parents, we are here for our children, especially when they become teenagers. Medical evidence shows that teenagers rely more on their limbic system (the emotional seat of the brain) than the more rational prefrontal cortex, thus, to them, the simplest of problems can seem catastrophic. They need to feel secure and trust that they can honestly turn to us when needed. However, if we fail to provide that needed support structure, they can become detached and may seek the advice they need, in unsavory places.
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3.- “I want to understand you”. Many times when our child ac-
cuses us of failing to understand them, it’s simply just a defense mechanism. They confuse: “do not understand” with “I disagree,” so we should not let them manipulate us. If we are accused of not understanding, we have to tell our child to help us understand what they are going through, and how they are feeling. 4.- “I trust you”. It is crucial for teenagers to have the confidence of their parents. One of the most harmful things my parents ever told me was that they would never be able to trust me again. We can’t pretend that our fifteen-year-old child can drive a car because, in addition to being against the law, they don’t have the necessary experience that allows us to trust their judgment. In fact, we would be doing them an injustice, if we, as parents, allowed our children to face situations where the degree of risk becomes higher than their level of maturity. 5.- “I love you”. Love is the essential ingredient of a healthy family. A spoken aloud “I love you” often helps us remember who we are and why we were born. How can they be sure they are wanted if never told so? How can they be sure of anything for that matter, if their parents never really spent time with them? So the real question becomes, how can one show their child true love? The answer is simple: spend T-I-M-E with them. This means doing more than just
providing for their Biological and Physiological needs, such as food, shelter, and clothing. We must commit to spending real time with our children, doing the things that they love to do, like fishing, playing, studying, and traveling, for example, not the things we like to do. Time is one of the most precious commodities in life, it’s the one thing you can’t buy or ever buy back, and in remembering that, we honor the love we have for them. (Aciprensa) Source: Servicio de Documentación de IRABIA - January 1998 By Eduardo Cattaneo Deacon Ricardo Riojas
By Ricardo Riojas
From the lens of the world
Life
EXPECTANCY
Mexico is the second country with the highest rate of obesity in the world, just after the United States.
By Graciela Ceballos
International organizations place Mexico as one of the countries with low life expectancy
H
ave you ever heard of the Organization for Economic Co-operation and Development or OECD? If not, it’s an international organization whose mission is to promote policies that improve the economic and social wellbeing of people all around the world. To meet this unique agenda, they address various issues of worldwide social importance and bring that collage of information together in statistical reports and publications.
I
n one of his more recent studies, Health at a Glance 2015, it revealed the life expectancy of its member countries, suggesting that Mexicans have the lowest life expectancy among the 34 member countries tested, with an average life expectancy of 74.6 years. This alarming news is due in part because of chronic diseases that inflict Mexico like; obesity, cardiovascular disease, diabetes and cancer. Another top reason listed is the inability for the Mexican populous to attain adequate health
care, as well as deficiencies within their health service systems. Mexico is followed by other countries like Hungary, Slovakia, and Turkey. At number 27 on the list, and well below Spain, is the United States, with an average life expectancy of 78.8 years. It’s an amazing fact, considering that Americans spend more per capita on health care that any other nation in the world. The OECD also noted among its findings that Mexico is the second country with the highest rate of obesity in the world, just after the United States. This is in direct contradiction to countries like Japan at 83.4 years and Spain, 83.2 years, followed by others such as Switzerland, Italy, and France. Armed with this controversial information, we have to admit that it reflects the living conditions, society, social, political and economic systems, along with how they govern themselves. We should then take this information and use it to analyze our life, reflecting upon our decisions that can improve our life expectancy, not reduce it. For the most anything one person can change, is themselves. So how long do you really want to live? That question can only be answered by you!
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Create a cozy atmosphere
Christmas Tree
It was in Germany that this tradition began in the 1600’s By Jorge Romero
The Christmas tree is a decorative holiday item that always seems to create a warm and cozy atmosphere within everyone’s home this time of year. For the youngest members of the home, this is especially true, as they anxiously wait for Santa Claus to leave under their tree on December 25th. But did you know that the first country to adopt the Christmas tree as a tradition was Germany, in the 1600’s? Every December it was customary to put a decorative tree out to celebrate Christmas and with time, it spread to almost all other countries around the world. Many of the decorations that adorned these trees had special meanings. Lights on a Christmas tree, for example, symbolized faith, while the ornaments represented gifts from God. Colors on the tree also had significant meaning. Blue showed repentance, red; special requests of the family, gold; praise to God and silver represented gratitude. Atop the tree was a star representing the birth of Christ, our Lord. Traditionally, we begin decorating the Christmas tree on December 8th, the day of the Immaculate Conception of Mary, and take it down with the arrival of the Magi on January 6th. On December 24, a Christmas Eve dinner is prepared to share with family and friends. Children barely sleep that night, in anticipation of presents arriving the next morning. The celebration of Christmas manages to unite families and friends, keeping alive our ever-present faith and hope in all of humanity. Habitual Magazine wishes you a Merry Christmas and blessed time with loved ones.
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What have you Accomplished?
New Year Wishes:
Setting goals and achieving them, makes us feel that we grow as people. By Jorge Romero
New Year resolutions, have you accomplished them? On New Year’s Eve, when we ring in 2016, most of us will once again set new resolutions that will bring about change, within our lives. In doing so, we should also take a moment and reflect upon the decisions made during 2015. Did the actions you took this year, move you closer to your goals, or farther away from them? Only you can answer that question honestly.
As people, achieving goals not only helps us grow but gives us a sense of accomplishment. So if you failed to take action in 2015, try setting small realistic and reachable goals for 2016. Put together a game plan now, and start working towards those goals today. By this time next year, you will be glad you did.
I wish everyone a wonderful Holiday Season and prosperous New Year!
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Be satisfied
To
Achieve By Mónica Oceguera
Try to enjoy the activities you perform every day
“I have a routine challenge of trying to meet at least one goal per day. As simple as this achievement is, it’s an achievement “
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H
ave you achieved something worth celebrating lately? Do you already have your plans for next year? Achieve: from the Latin term lucrāri, to win. 1. Get or achieve what is intended or desired. 2. To delight or enjoy something. 3. Quoth: Getting to perfection. Celebrate: From the Latin term celebrāre. 1. To commemorate, celebrate a date, an event. 2. Praise, to clap. According to these definitions, an achievement is considered something we have undertaken. Something, that had a beginning and an end. An achievement can be as simple as starting your activities this morning and completing them at the end of the day, when you lay down to sleep. This month I am very happy to celebrate with you, a few of my personal achievements; first, I am pleased that you are reading my work, as this is my fourth participation as a columnist for this magazine, as I embark upon this new stage as a writer. Second, it has been an entire year, since
I placed my book for sale in Mexican bookstores and on Amazon, in both digital and printed versions. What awaits us all next year? Every day we ask ourselves that question, listening to the numerous ideas that seem to endlessly flood our minds. How many of those ideas did you act upon, even complete? The challenge then, becomes to try and complete at least one idea a day. As easy as it sounds, the completion of an idea, even in its simplest form, is still considered an achievement. Thus I do not feel that my day passed away in vain. An effective coach says that making your bed before you leave home, psychologically sends you a message that you accomplished a task. What better way to start your day, than with the sense of something accomplished? Even when both me and my kids make our beds, we feel the power of achievement. Overcome the fear to cross that one road you neglected, and see what miracles await you on the other side. Once that one road is crossed, you will notice how everything else just falls into place. What can you achieve today? Make achievements “habitual” and have something to celebrate always! Also, the author of Multicolor Princes and none are Blue
OUR ORIGIN AND CONDITIONS By Enrique Palos
T
hrough my current short existence of 72 years, in a story of countless eons, my imperative need to know about the world in which I live life, in general, and my own origin and condition, fiercely forced me, to get from knowledge and facts the real sense of the truthfulness. I’ve always wanted to know not only what my limited senses let me see, hear and feel, but the true meaning that facts have for me and my peers. So today, I find in my own history, the questions that have troubled me, the powerful underlying feelings imprinted in my DNA, hidden and almost forgotten, trying to remind the transcendence of our human life. And our bodies are nothing more than matter; disposable and ephemeral vehicles manufactured for… and made of ...; but we are part of an essentially immortal spirit or energy. In my earlier writings, I find the beginning of my concerns. And so I named a series of “poems” that questioned what every human being wants to know, but that most are feared to ask: “Who am I?... Where do I come from, and where am I going? The pain I feel, that has changed
PARTE 1
into my Calvary and a cruel torment, Is it necessary...? And this happiness Mine... Who will it benefit? ...We are toys in whose hands? And the Almighty are we useful to Him? ...and why...?” Even before, at eighteen years from my birth, “someone” or an inspiration within me, recorded some verses whose feeling, through the years, became a personal philosophy: War! Combat the matter, Death to the largest tyrant... And I feel that through my veins throb, Spirit instead of blood... And along that line I can feel and hear that voice or voices telling me that my life did not begin the day I was born, and surely will not end when my body is decomposed and discarded like a brokendown appliance. Indeed, my body will cease to function as a television, now useless, no longer “live” capturing frequencies and programs, but these frequencies and programs will continue in the air, and energy continues to live in what we call “spirit”…
Tell me... You that already know, talk... What did you find behind that door...? Tell me... Don’t fall silent... Don’t be afraid to speak, you are already dead... Perhaps, did you find a better life...? Or between misfortunes, is death the worst...? Did you climb to glory or did you walk down to shades...? For God’s sake, what did you find...? Hatred or love... Supreme mystery –I know- you are, death; By many, a disdain region... However... Why do we fear you so, if you are well populated... ...Speak, lifeless! Speak! Reveal the mystery, - destination that terrifies the living is it a green meadow where the dead dwell? or a bottomless pit housing the shroud? I want to know, I want you to talk to me: ...don’t you want to say it... ...or is it that you cannot...? To be continued...
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多
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Eating in Dallas By Antonio Juárez
In addition, they have a special children’s menu that includes items such as the Quesadilla Kid, consisting of small portions of quesadilla, rice and a piece of chicken; the Tortilla, a small chicken sandwich with fries; a Junior Cheese Burger served with fries, and the Regio Chico, consisting of chicken tenders and fries. Also offered, is a convenient drive-thru service for those who can’t eat in, along with catering services for social events.
I
had the pleasure of eating at “Pollo Regio”, a restaurant located at 13302 Preston Rd. Dallas, Texas 75240. During my visit, I was greeted by the Manager on duty, Mr. Baldomero Ortega. Mr. Ortega displayed the three most requested dishes: Whole Chicken, Carne Asada, and their Beef Burger. The Whole Chicken disk is a full carbon roast chicken
with grilled onions, salsa, fresh tortillas, rice and charro beans. Carne Asada is a premium steak dish served with Pico de Gallo, roasted onions, rice, beans, and tortillas. The Beef Burger is served with onion, tomato, mayonnaise, mustard and French fries. It should be mentioned that they have a variety of sauces where diners can choose from: avocado, tomato, Pico de Gallo, among others.
Grilled beef
Hamburger
As you can see, they have a variety of services and dishes to satisfy every palate for both adults and children. Thus, we highly recommend their restaurant. Their hours of operation are Monday through Thursday 10:00 am to 10:00 pm and Friday, through Sunday from 10:00 am to 11:00 pm.
Whole Chicken
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Fashion & Style
Christmas
GOODBYE TO EXCESS! By Milton Zaldivar
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A successful outfit this season is a nice little black velvet dress.
Dear friends, welcome to our fashion section. December is upon us, and with it comes the busiest time of the year, and as you know, fashion goes hand in hand with this fast pasted time of the season. During this festive period, many of us have numerous commitments to meet; company award ceremonies, parades, corporate Christmas parties, social engagements, decoration committees, and dinner reservations with family and friends. Madame, I hope this season finds you with a sense of aesthetics, honing your outfit for the holidays. You must put aside the festive clichĂŠ to recover the classic elegance, and in doing so, you will be the queen of the night. Remember, gold goes well with tanned skin, red is for the trend in lip rouge, green is a complementary color, and white tends to highlight weight gain, so never bring to many colors together as it creates a since of pandemonium. My recommendation for a successful outfit this season is a nice little black velvet dress. The versatility of black allows the use of various supplements, so the simple, classic black cocktail dress can be supplemented with a golden jewel belt, or red stilettos over green, a sophisticated bijouterie or classic pearls, Balmain for H & M, Zara and Mango, agree with me. Do you have several pieces in velvet for the holiday season in hand? If not, stick with the basics, and utilize the lower cost brand names, and you will end up with dresses that you can wear throughout the entire winter.
simplicity of our image, ladies, and gentlemen. So put aside garments like the red and green checkered shirt so we can sophisticate our ourselves. A festive color will suffice, but a plain color will have a much greater effect. So, if you have a good pair of green pants, wear them with a white shirt and a navy blazer, supplemented with a pocket striking square, but if the date is more formal, wear a blue knit tie instead. Another good companion for the holidays is the cashmere sweater; however, if you have a double-chin, it would help to wear a V-neck, as it tends to conceal the weight gain. Traditionally, others will see a lot of the many pictures you will take of your family and friends. So keep in mind that, strict color schemes are not the trend this year, but still find that color you love, according to your personal style, just frame yourself behind a flag of sophistication, and you will find trust and admiration, wherever you go. Lastly, before leaving your home, take a look in the mirror and make sure you look great, remember in fashion, less is always more. Merry Christmas to all, and I hope that 2016 brings each and every one of you to a better place than you are today. Until next year, enjoy!
On the other end of the spectrum, let us not overuse the
... You can complement your look stilettos with red or green on 43
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CLUB WORLD CUP
JAPAN 2015 From December 10th trough the 20th, the FIFA Club World Cup will be hosted in Japan. This tournament will be held in two venues: one in the city of Osaka and the second within the city of Yokohama. The participating clubs are: CONMEBOL River Plate from Argentina. UEFA Barcelona from España. CONCACAF América from Mexico. CAF Mazambe from Africa. OFC Auckland City from Oceania. AFC TBA (December 2015) Japón TBA (December 2015) Sorce: FIFA.com
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Eighth Edition
CHAMPIONSHIP CUP DAY 2015 Thousands of children and teens participated in the activities at Trinity View Park By Antonio Juรกrez
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O
n November, 14th and 15th, the 8th Edition of the Cup Day was held. This event has become a cause that unites families by promoting sports in children and young adults. This year’s event was another great success, as 132 teams participated, 16 of which were victorious in different field Categories. Approximately 8,000 families arrived at Trinity View Park in Irving, to support their children, grandchildren, cousins, etc. The atmosphere was cozy and colorful allowing the development of a major tournament, to ring out, where thousands of fans cheered on their favorite teams. Mito Financial professionals greeted those in attendance, along with their mascot; the company Rooster. The Mito Rooster quickly became the center of attention, by dancing with hundreds of children, taking cheerful and fun pictures with fans, and sin-
ging along with the music. In the Mito sponsored event area, a dance contest took place, accompanied by Mariachi music, where our mascot, the Mito Rooster, showed great versatility on stage. In addition, potential Mito customers participated in games and raffles where many gifts were also away. This was especially favored by the little ones in attendance. At the end of the event, 16 winning teams received medals and invitations to next year’s Cup Day. Mito Financial looks forward to next year, where they will once again support healthy leisure activities for the youth of Dallas, Texas.
32 teams participated, 16 of which were victorious in different field categories.
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Luncheon November Review
By Antonio Juárez
In the development of the called monthly event “Luncheon” corresponding to the month of November, the Addison Hispanic Chamber of Commerce presented/displayed the communication of the Mr. Miguel Soli’s, president of Latino Center for Leadership Development (LCLD), before the enrolled members of the Camera. The event was in the restaurant Lawry’ s The Prioritize Rib in Addison, Texas; his president, the Mr. Juan Miguel Lopez, gave the welcome insisting on one of the objectives of the Camera that is to present/display and to disclose you but so excellent that it benefits to the Latin community. The subject it was “The Creation of LCLD”, based on a series of strategies with intentions of to construct professions legal it is and diversified for the Latin people who live in the United States. In its speech, Sir Soli’s explain to the reason of the creation of LCLD: For the year 2050 Latin population will reach 30% of inhabitants who live The United States, for that reason, that organism is working for its
Mr. Miguel Solís delivers his speech
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incorporation of positive way in all gratefulness to him, and to the atthe communities, where in addition, tending public, by medior of preone looks for to help to generations sident of Tri- County Regional Hissuccessor, with the purpose of ob- panic Chamber of Commerce, Mr. taining positions of work within the Herb Moncibais. Of between the guests, they atAmerican community. Also, the LCLD altogether with Sou- tended Joe Plate, Adryana Boyne, thern Methodist University’ s John Herb Moncibais and Claudia TorresGoodwin Tower Center, they have cano, among others recognized in created a union strategic that it means by his active participation in provides the Latin population, poli- the Latin community. tical knowledge necessary with the goal of which they can take part in said platform in the future. Of equal way, they enter with the called initiative “keepHB1403.com,” which allows to the student immigrants that they grew in the United States, to have access to the university and to the scholarships The Santos Rodriguez Memorial Scholarship, that promote and support the education for leadership emergent. Added the previous thing, the importance of Dallas ISD, it has served as a platform to motivate education the Latin children, that it is until today, one of the five employers important in the city of Dallas. When finalizing its presentation,Belén Franco and Sofía Dávalos giving the gentleman Soli’s it received the recognition to Mr. Miguel Solís recognition by its participation and
Belén Franco Zaldívar with the President of the Addison Hispanic Chamber of Commerce, Juan Miguel López
Guests of the Addison Hispanic Chamber of Commerce Sofía Dávalos with Laura Irvin
Kenia Mujica and Mr. Javier Chaparro
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Brain Storm The aim of this event was the sharing of ideas with the intention of implementing them
A success
changing lives A
complete success is the only way to describe the Brainstorming event held last November, by the Hispanic Chamber of Commerce in Addison. The keynote speaker was Mrs. Gabriela Morlett of Prudential Financial Services Group. Mrs. Morlett talked about a wide range of financial and insurance services relevant to everything life can throw at you. Financial services discussed included issues
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pertaining to education, investments, retirement. Insurance topics discussed ranged from how to protect assets like your home, preparing for retirement, creating a college fund for your children, to dealing with long-term health care coverage and chronic disease care. Prudential Financial Services’ mission is to protect, save and grow investments entrusted to them, by their customers. They accom-
plish this by providing professional, personalized, and high-quality services. During the brainstorming session, ideas and solutions were shared between all in attendance, as possible solutions to solving the many customer concerns that often arise within the financial industry and how to best implement them in the future.
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Merry Christmas and Happy New Year
2016!