American Dream – Render Boy Mon, 21 Jun 2021 18:45:35 +0000 en-US hourly 1 American Dream – Render Boy 32 32 Biden administration will make it easier for student loan borrowers to get a mortgage Mon, 21 Jun 2021 18:28:06 +0000

The Biden administration is relaxing federal mortgage rules to give student loan borrowers a better chance of being approved for a mortgage.

The Federal Housing Administration (FHA) has announced changes to its student loan calculations that should make it easier for student loan borrowers to get mortgage approval. The policy change is to remove the current requirement that FHA mortgage lenders calculate a borrower’s monthly student loan payment as 1% of their student loan balance for loans that are not fully paid. amortized or in the process of being reimbursed. This includes borrowers who are subject to an approved deferment or forbearance, or who are only required to make relatively small payments under an income-based repayment plan.

For example, a federal student loan borrower with an outstanding balance of $ 100,000, an income of $ 60,000 per year, and a family of 3 may only have a monthly payment of $ 245 per month under repayment plans approved based on income. But an FSA-backed mortgage lender may “assume” that the borrower actually has a payment of $ 1,000 per month because of the FHA’s long-standing underwriting rules that apply to 1% of the outstanding balance. This could prevent the borrower from getting a mortgage, depending on their overall credit profile and other debt obligations.

The new FHA policy will allow mortgage lenders to use the actual amount of a borrower’s monthly student loan payment, even if it is less than the traditional amount of 1% of the total balance. And if a student loan borrower’s calculated payment is $ 0 (which is possible under an income-based repayment plan), the mortgage lender will automatically apply 0.5% of the outstanding loan balance. student as deemed payment, rather than 1%.

“Homeownership is the cornerstone of the American dream and the best way to build generational wealth. I am proud that the FHA is taking action to allow borrowers with student loan debt to qualify for a federally insured mortgage, ”Housing and Urban Development Secretary Marcia L. Fudge said in a statement. “This new policy will make a big difference to individuals across our country and is another step in our mandate to promote equity and homeownership opportunities.

Advocates hailed the policy change as an important step in tackling racial inequalities. According to the National Center for Education Statistics (NCES), 77.7% of black students borrow federal student loans to pay for their graduate studies, which is significantly higher than the national average for all students (60%) and for college students. white (57.5%). Black students are also more likely to attend for-profit institutions, which are often accused of deceptive and predatory conduct.

“It is essential that we reflect on all the ways in which racial discrimination is woven into our society, especially in our housing system. Too many generations of black families are deprived of the opportunity to secure an affordable mortgage, own their own home and create wealth to pass on to their children and grandchildren, ”said U.S. Senator Sherrod Brown (D -OH), chair of the US Senate Committee on Banking, Housing, and Urban Affairs. “I applaud HUD and Secretary Fudge for taking this first step to address inequities in our housing system and look forward to continuing to work together to increase homeownership and address the disparities.”

The announcement comes as the Biden administration begins to hold hearings on possible proposals to revamp key federal student loan repayment and forgiveness programs, such as income-tested repayment plans and remission. public service loans.

Further reading

Biden administration announces major overhaul of income-based repayment and student loan forgiveness programs

Will Biden cancel student loan debt? We may know soon

Biden Student Loan Forgiveness Review: Should You Take Action Now to Write Off Student Debt Later?

If Biden doesn’t cancel student loan debt, could he do it instead?

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Pooja Lodhia shares her Ice Cream Slider recipes using GOYA Maria Cookies Mon, 21 Jun 2021 01:53:17 +0000

Summer is here and with it the heat of Texas! ABC13 and Goya Foods have teamed up to bring you an easy recipe that’s sure to help beat the heat. Pooja shares her ice cream slider recipe, using GOYA Maria cookies and your favorite toppings. It’s a perfect treat for kids on a hot summer day, and so much fun to make!

This Week’s Recipe: Ice Cream Sliders


Goya Dulce de Leche (Caramel pudding spread)
GOYA Maria Biscuits
Ice cream: your favorite flavor (s)
Ice cream toppings (sprinkles, chopped nuts, chocolate chips, candies, etc.)


Step 1 – Using a butter knife, spread 1 teaspoon of dulce de leche on the back of each maria cookie. Arrange cookies on a plastic-lined baking sheet.

Step 2 – Using a 2 ounce ice cream scoop or heaping tablespoon, pour ice cream over half of the cookies. Top ice cream with remaining cookies to form mini ice cream sandwiches; press gently. Transfer the leaf to the freezer; freeze until stiff, about 1 hour.

Step 3 – Using a butter knife, trim the edges of the cookies to smooth the edges. Place nuts, candy bars and / or chips on separate plates. Roll edges of cookies in toppings. Use immediately.

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Do you like this recipe ? You might also like these simple meals!

GOYA Foods celebrates its 85th anniversary this year! The premier source of authentic Latin cuisine, Goya Foods is the largest Hispanic food company in the United States. Founded in 1936 by Don Prudencio Unanue and his wife Carolina, both Spanish, Goya’s story is as much about the importance of the family as it is about the fulfillment of the American dream. Learn more about GOYA Foods.

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Five Ways Businesses Can Help Fight Voter Suppression and Build Confidence in Our Democracy Sat, 19 Jun 2021 15:07:15 +0000

American democracy faces a great challenge. As we as a nation continue to reflect on the difficult 2020 presidential election and insurgency on Capitol Hill, some states are responding with legislation that would drastically restrict and remove an individual’s right to vote. Georgia has received the most attention, but 14 states enacted 22 laws this year restricting access to the vote.

Not only is suppression bad for democracy, but this type of thinking and the ill will it sows has the potential to destabilize our economy. Last November, a survey of 1,113 small business owners found that 61% believed that if then-President Donald Trump continued to refuse to concede the election, it would harm national security and the country. economy. Another survey of 1,052 business owners in April and May this year found that 60% are concerned about the state of our democracy and nearly three-quarters (74%) support expanded voting rights and access.

Instead of sitting idly by and letting it happen, some in the private sector have become a force for good. This has been encouraging, but it has also happened before at critical times in our country’s history. For example, several private sector leaders after World War II played a key role in helping to build a strong middle class and a social safety net, thus reinforcing the American dream that has been the foundation of our democracy. We need more of that business leadership now.


Support for businesses is also very high at the moment, and Edelman’s 2021 Trust Barometer found businesses to be the most trusted institution in the world. Additionally, the latest Gallup poll found that small businesses are the most trusted institution in the United States. Businesses can capitalize on this goodwill by fighting voter suppression in their states and helping to create a national solution.

Here are five steps they can take.

1. Support evidence-based voting

Simply saying that we support access to the vote is not effective and, quite frankly, contributes to the confusion around the issue. It is important that companies understand and assess the specific provisions regarding voting access that they support. For example, policies such as automatic voter registration, early voting, postal voting and weekend voting have been shown to help make voting more accessible to all Americans. When speaking out on voter suppression, businesses need to be very clear about the need to expand access.

2. Reassess the candidates and legislators you support

After determining which arrangements it supports, companies should see where elected officials stand to determine who they will support in the future. If a company determines that it has made contributions to state lawmakers that impose voting restrictions, it should consider shifting the donations to democratic causes, such as nonprofits that help more Americans s ‘register to vote. This change in approach will be noticed and felt by lawmakers. A recent analysis from the Leadership Now Project found that more than half of lawmakers who opposed the election results received more than 25% of their funding from corporate political action committees (PACs).

3. Defend the voting rights legislation that you support

There are many federal and state bills, including HR 1, the For the People Act, and the John Lewis Voting Rights Act (introduced in previous congresses), which strengthen voter protection or mitigate restrictive election laws. As companies decide what legislation they support, they need to figure out how to defend it. One way to do this is to get featured in the media and engage your community.

4. Discuss the importance of voting with your employees and make it easier to vote

Employees are turning to their employers more than ever as we emerge from Covid-19. While employers shouldn’t be tasked with telling their employees who to vote for, in every election cycle they can encourage employees to vote and explain why it is essential without endorsing specific candidates.

Depending on where people work and live, voting can often take a long time. Companies can support their employees by making it as easy as possible. One way to do this is to provide paid time off for voting.

5. Get involved to better exert your influence

A number of excellent organizations are working to help business leaders give advice in this area, which can be difficult to navigate. The Leadership Now Project organizes business leaders, academics and others to take action. The Business Forward Foundation offers media training. Civic Alliance provides a quick start guide for businesses to build effective engagement initiatives. Finally, Small Business for America’s Future hosts registration letters, media training, and briefings for business leaders who want to speak up.

A nation where a high percentage of its citizens can vote is a healthy nation. Businesses across the United States can help make this possible by continuing to take action.

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Pence faces rowdies shouting ‘traitor’ at conservative church conference – WISH-TV | Indianapolis News | Indiana weather Fri, 18 Jun 2021 22:37:46 +0000

(CNN) – Former Vice President Mike Pence was heckled at a conference for religious conservatives on Friday, ahead of a speech targeting his successor.

Cries of “traitor” and “freedom” were heard from a small group within the audience as Pence took the stage. Wearing red “Make America Great Again” caps, they were immediately escorted out of the conference room by law enforcement.

One of the hecklers then told CNN that she interrupted Pence “because he’s a traitor,” presumably referring to Pence’s role in validating the 2020 election results in the congressional certification vote on January 6. Pence has already been criticized by Trump for proceeding with the certification. , which took place after Trump-aligned protesters stormed the United States Capitol, including some who threatened to “hang Mike Pence.”

A police officer did not respond when CNN asked if the rowdy woman in Friday’s speech was under arrest. Pence’s team also declined to comment on the incident.

The time has come before Pence criticizes Vice President Kamala Harris for refusing to travel to the US-Mexico border during a recent immigration-focused trip to Central America.

Echoing a complaint filed by other Republicans in recent weeks, Pence said it was “high time for our current Vice President to go to the border, reinstate our policies and end the border crisis of Biden today “.

“Literally, in five months, they turned the world’s safest border into the worst border crisis in American history,” he accused in an approximately 30-minute speech at the annual Road to Majority of the Faith & Freedom Coalition.

Pence, who only recently reappeared in public with appearances in South Carolina and New Hampshire, took the opportunity on Friday to hug former President Donald Trump and say Republicans are well positioned to regain control of Congress and the White House in November. midterm elections and in 2024.

A presidential hopeful himself, much of Pence’s remarks focused on Biden and his political agenda – including a criticism of the Democratic president’s “weak overseas leadership” which Pence said was on display during the conference. Biden’s first overseas trip last week.

“It’s amazing to think that in 2020 Joe Biden actually campaigned as a moderate and is ruled as one of the most liberal presidents in history,” Pence said, adding that the Biden-Harris administration “intends to transform our country according to the agenda of the radical left.

“We don’t have to trade the American dream for a socialist nightmare,” Pence said.

Despite continued criticism from Trump for his refusal to back the former president’s unconstitutional ploy to overturn the 2020 election results, Pence praised his former boss in his remarks. At one point, he said it was “the greatest honor of my life” to serve as vice president alongside Trump.

“President Trump has taught us what Republicans can accomplish when we stand firm on conservative principles and don’t back down,” he said. “In 48 months, the Trump-Pence administration reached the lowest unemployment rate, the safest border and the most powerful military in world history.”

Unlike his last public appearance at a Republican fundraiser in New Hampshire, Pence did not specifically mention the January 6 riots at the United States Capitol during his speech in Kissimmee, Florida. Rather, the former vice president stuck to a familiar script filled with references to religion, cultural hot spots and his own political identity.

“I’m a Christian, Conservative, and Republican in that order and I am honored to appear before you today,” Pence said at the start of his appearance, borrowing a line from his stump speech as a running mate. presidency of the time. in 2016.

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Teacher Marisa Wood announces candidacy against Rep. Kevin McCarthy Fri, 18 Jun 2021 03:07:17 +0000

BAKERSFIELD, Calif. (KGET) – Marisa Wood has entered the race to face incumbent Republican MP Kevin McCarthy in the 2022 election.

“Kevin McCarthy is not doing his job,” said Wood, a registered Democrat and a teacher of English learners at Fairfax Junior High School.

“If he was like us with a regular job, he would have been fired a long time ago. He has always put his partisan agenda and special interest groups above the hard working people who put him in power. Enough is enough, ”Wood continued.

Wood and her husband John have lived in Kern County for 35 years. A graduate of California State Polytechnic University at San Luis Obispo, her educational background includes teaching the Gifted and Talented Education Program and co-teaching First Communion courses at St. Francis of Assisi Parish in Bakersfield. Wood, who also regularly attends Fairfax School District board meetings, said she would prioritize education if elected to the 23rd Congressional District.

“Education must be fair,” she said in an interview with 17 News. “We have to make sure that we give our students the best fair education that we can get, because I truly believe that education is the great equalizer.”

Wood also said health care would be at the top of the list if she was elected.

“Health care is a right, not a privilege,” she said. “Families shouldn’t have to choose whether to put food on the table or health care for my children.”

Wood is running in a Republican-majority constituency, and against an incumbent congressman who, since 2006, has beaten his opponents by double-digit margins. Yet she is convinced that she can win.

“I’ve always told my students that one person can make a difference… I’ve been here, I’ve been in the community, I love this community. I’ll be proud – unlike Kevin McCarthy – when I’m done in Washington and it’s time to come home, I’ll be back home.

KGET contacted the McCarthy Campaign for Congress but did not receive a response until news broke. However, when Democrat Bruno Amato announced his candidacy earlier this year, McCarthy released the following statement:

“As I have been from day one, I remain determined to fight for a strong, financially responsible and free America where everyone can achieve the American dream.”

* KGET invites all congressional candidates to appear on 17 News, regardless of their party affiliation.

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Top Immigration Lawyer on the Challenges of Helping People Achieve the American Dream Thu, 17 Jun 2021 12:25:34 +0000

The United States has long been a beacon for those around the world who often make significant sacrifices to settle in the country in search of a more prosperous life. The process to get there, however, is not straightforward. This forces many people to seek the help of immigration attorneys to help them navigate the arduous process of achieving their American dream. As immigration laws get more complex, many find themselves facing roadblocks.

Ally Lozano is the founder of Abogada Alexandra, a law firm that helps thousands of people navigate the complex process of residency and citizenship in the United States. She provided us with information on the most common challenges faced by immigrants settling in the United States and the impacts this has on America.

What are some of the most difficult aspects of immigration law?

Ally Lozano: While there are many difficult aspects of immigration law, there is extremely tough law that makes obtaining legal status very difficult.

It is a punishment for people who have entered the United States illegally more than once. This is called the “permanent bar” and even if a person is married to an American citizen or has children who are American citizens, that person can only obtain legal status after spending ten years outside the States. -United. There is no “line” to enter and there is no way to speed up the process. This forces many American families to make a difficult choice: to live in the United States without a parent / partner or to leave the United States so that they can have that family member in their life. It very strongly affects American citizens and their entire families.

What are some of the barriers clients face when moving to the United States?

AL: One of the biggest obstacles is that there is no “queue” to wait. For example, if a person is an American citizen and wants to bring their adult Mexican son to the United States, the wait for a visa is more than forty years. It’s not a queue, it’s a lifetime of waiting. And if the mother died during that forty-year wait, her son’s petition would be quashed.

Even the best and brightest people from other countries have almost untenable hurdles to overcome to get to the United States. American companies cannot quickly bring the best minds in the world to our companies because of bureaucracy and long wait times.

Are there any recent or upcoming regulatory changes that you think are important for immigrants to be aware of?

AL: A very exciting proposal in immigration reform was to get rid of the permanent bar. This would allow thousands of immigrants to obtain legal status and be legally united with their families in the United States.

How does your firm approach supporting its clients in obtaining residency?

AL: Our law firm works to help undocumented people gain legal status in the United States. By knowing the ins and outs of the legal complexities of things like the permanent bar, we are able to seek solutions.

The majority of the services we provide are for survivors of inter-family violence, violent crime and human trafficking. We have been able to change thousands of lives through our work with VAWA (the Violence Against Women Act), the U visa (for victims of crime) and the T visa (for survivors of human trafficking. humans).

Is there an exciting innovation or disruption in immigration law?

AL: Our law firm has been the most disruptive law firm in immigration law. We have completely revolutionized the way VAWA and T visas are used and controlled. Many immigrants have ways to legalize their status because of what they’ve been through, but most of us didn’t properly screen immigrants to ensure they have access to these life-changing remedies.

My law firm focused on educating the immigrant community about these forms of help while simultaneously teaching lawyers how to spot them. In turn, thousands of lives have been transformed.

We started leveraging TikTok to connect with the immigrant community and once I taught other lawyers to do the same it took like wildfire. It has allowed all of us to expand our reach and help more people access their American Dream.

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As DACA turns nine, addressees say legislative solution remains elusive Wed, 16 Jun 2021 19:52:03 +0000