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How to Exercise Good Financial Health

With spring in full bloom — now is a perfect time to start a fresh foundation for a healthy financial future. Good financial health is the foundation on which strong and resilient households, communities and economies are built, but the reality is, many struggle to manage their financial daily lives. In recognition of Financial Literacy Month, Myseha Brown, Community Manager with JPMorgan Chase in Oakland offered top financial tips to help achieve financial freedom and build generational wealth.

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Establishing solid financial habits can be a lifetime process, but it’s easier if you learn the fundamentals as early as possible. It’s never too early, or too late, to begin your journey, and this month is a great time to get started or recommit to your financial health. For more financial health tips, visit chase.com/financialgoals.
Establishing solid financial habits can be a lifetime process, but it’s easier if you learn the fundamentals as early as possible. It’s never too early, or too late, to begin your journey, and this month is a great time to get started or recommit to your financial health. For more financial health tips, visit chase.com/financialgoals.

Sponsored content from JPMorgan Chase & Co.

With spring in full bloom — now is a perfect time to start a fresh foundation for a healthy financial future. Good financial health is the foundation on which strong and resilient households, communities and economies are built, but the reality is, many struggle to manage their financial daily lives.

In recognition of Financial Literacy Month, Myseha Brown, Community Manager with JPMorgan Chase in Oakland offered top financial tips to help achieve financial freedom and build generational wealth.

  1. Small steps lead to bigger opportunities:No matter what amount of money you have, taking small steps towards building a solid financial foundation is key. Whether it’s saving a little more each month, starting to save for the first time or monitoring your credit score, these steps can help you prepare for the unexpected while setting you up for long-term success.
  2. Establish good credit: The main elements of securing a good credit score include paying your bills on time, the length of time you’ve had a credit history, and the amount and type of accounts you have. Potential lenders will use this information to determine your credit risk. Managing your finances wisely will help you establish strong credit, a practice that will pay off when you want to make larger purchases like a car or a home.
  3. Embrace digital tools:Apps, online goal sheets and budget builders are a great way to manage your finances. Look into what digital tools your financial partner offers. Whether it’s credit and identity monitoring, or setting up repeating automatic transfers from your checking account to your savings account, these tools will help keep you on track with your payments and savings goals.
  4. Include the whole family in the process: It’s never too early to get kids started on their financial journey. Ask your bank about opening up a joint checking account geared towards children to help them establish good financial habits. A joint account can offer features designed to help kids learn the importance of saving and meeting their financial goals, whether it’s tracking their spending, creating recurring payments and setting spending limits, or being rewarded when completing chores and earning an allowance to deposit. Once your child understands the importance of saving the money they earn, they can begin to build savings habits that will last a lifetime.
  5. Ask for help: Whether it’s meeting with a banker or talking to friends or family, conversations and advice can be critical to improving financial health, from building a budget to more complex matters like saving for retirement.
  6. Keep the conversation going:Talk with your partner or other family members regularly about your financial goals and how you plan to achieve them and check in with your children to discuss their financial activity — whether it be what or where they’re spending, how much they’re earning, or their savings goal. These discussions all provide opportunities to keep money as part of your family conversations.

Establishing solid financial habits can be a lifetime process, but it’s easier if you learn the fundamentals as early as possible. It’s never too early, or too late, to begin your journey, and this month is a great time to get started or recommit to your financial health. For more financial health tips, visit chase.com/financialgoals.

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Business

Newsom Signs Addictive Social Media Law to Protect Kids

Newsom said California’s approach focuses on the features that can encourage excessive social media use rather than taking the broader step of banning teenagers from the platforms altogether. He contrasted the measure with restrictions adopted in Australia and Malaysia that prevent teenagers from accessing social media or creating accounts.

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Gov. Gavin Newsom has signed a new California law targeting addictive social media features that can keep children scrolling, giving the state new authority to restrict how platforms engage young users.

AB 1709, authored by Assemblymember Josh Lowenthal (D-Long Beach) prohibits social media companies from giving children under 16 access to personalized feeds, including “For You” pages, as well as other features designed to maximize screen time, such as infinite scrolling and video autoplay.

The law does not prevent children under 16 from using social media. Instead, platforms must deactivate the covered features for those users.

“This is about actually addressing the problem, the scrolling, the algorithms,” Newsom said Sept. 10 during a bill-signing event in the San Francisco Bay Area.

Newsom said California’s approach focuses on the features that can encourage excessive social media use rather than taking the broader step of banning teenagers from the platforms altogether. He contrasted the measure with restrictions adopted in Australia and Malaysia that prevent teenagers from accessing social media or creating accounts. 

The law comes amid growing concerns about the impact of social media on children’s mental health and well-being. California lawmakers have increasingly focused on the design and business practices of technology platforms as part of efforts to protect young users.

AB 1709 is one of 13 youth online safety and privacy laws Newsom signed Sept.10. The package also includes measures regulating AI chatbots, increasing potential penalties for technology companies and establishing additional protections for children using digital services.

Lowenthal said the new rules represent a shift toward greater accountability for technology companies.

“We want oversight. We want accountability. We’re done asking nicely, and we’re demanding that there is a duty of care across these platforms — a duty that puts the wellness of our children ahead of profits,” Lowenthal said.

The law builds on California’s broader effort to regulate children’s online experiences. A separate law, AB 1043, will require users to provide their birth dates when setting up new phones or laptops beginning in January, with device manufacturers required to share users’ ages with apps.

Some youth online safety advocates have supported AB 1709 as a more targeted alternative to outright social media bans. Others have warned that the restrictions could make it harder for some LGBTQ+ young people to find support online and questioned how effectively age requirements can be enforced.

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Black History

Passing for White, Fighting for Black America: The Courage of Walter White

White personally investigated 41 lynchings and eight race riots. On several occasions, his identity was discovered, forcing him to flee for his life. The evidence he collected helped the NAACP expose the brutality of lynching to Americans and strengthen its campaign for federal anti-lynching legislation. His experiences also influenced his 1929 book, “Rope and Faggot: A Biography of Judge Lynch.”

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Walter White. Public domain image.

Walter Francis White was one of the most important civil rights leaders of the first half of the 20th century. For more than three decades, he helped transform the National Association for the Advancement of Colored People (NAACP) into one of the nation’s most powerful organizations fighting racial discrimination, segregation, and violence against African Americans.

Walter White was born in Atlanta, Georgia, in 1893 and grew up in a middle-class African American family. His parents, George and Madeline White, had been born into slavery. Although Walter had blond hair, blue eyes, very light skin and could easily have passed as white, he firmly identified as Black. As a teenager, he witnessed the Atlanta Race Massacre of 1906, when white mobs attacked African Americans throughout the city. The experience strengthened his determination to fight racial hatred and injustice.

After graduating from Atlanta University in 1916, White worked in insurance and became active in the Atlanta branch of the NAACP. His abilities caught the attention of NAACP leader James Weldon Johnson, who recruited him to the organization’s national staff in 1918.

He soon became known for his extraordinarily dangerous investigations of lynchings. Because many white Southerners assumed he was white, he was able to enter communities where Black investigators would have faced immediate danger. He spoke with witnesses, law enforcement officials, and even members of lynch mobs, often pretending to share their racial attitudes so they would reveal information.

White personally investigated 41 lynchings and eight race riots. On several occasions, his identity was discovered, forcing him to flee for his life. The evidence he collected helped the NAACP expose the brutality of lynching to Americans and strengthen its campaign for federal anti-lynching legislation. His experiences also influenced his 1929 book, “Rope and Faggot: A Biography of Judge Lynch.”

By the early 1930s, Walter had risen to the NAACP’s top administrative position. As executive secretary, he helped build the organization into a major national political and legal force. Under his leadership, the NAACP challenged discrimination in voting, employment, education, transportation, the military, and other areas of American life.

White also recruited attorney Charles Hamilton Houston to lead the NAACP’s legal strategy. Houston and his protégé, Thurgood Marshall, developed the courtroom campaign that eventually helped produce the Supreme Court’s historic 1954 decision in Brown v. Board of Education, declaring racial segregation in public schools unconstitutional.

White used his relationships with national political leaders as another weapon against discrimination. He worked with First Lady Eleanor Roosevelt, President Franklin D. Roosevelt, and President Harry S. Truman. He supported efforts to end employment discrimination and encouraged Truman to establish the President’s Committee on Civil Rights.

Walter White remained an NAACP leader until his death in 1955. His courage, political skill, investigative work, and relentless commitment to equality helped establish the foundation upon which the modern Civil Rights Movement would build.

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Art

Event Preview: ‘Fashion v. Fascism’ – A Runway Revolution Is Coming to the Bay Area

“Every piece on this runway translates what is happening under fascism into a feeling,” explains Erica Furlong, the FVF creative director. “One designer’s trench coat is covered in pockets stamped ‘TRUTH,’ ‘MEMORY,’ ‘HOPE,’ ‘VOTE,’ ‘FUTURE,’ because that’s literally what gets seized first, pocket by pocket, under fascist decline. Fashion can hold grief and hope in the same silhouette, and that tension is exactly what this moment needs.”

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Designer Rickie Lee. Courtesy image.

“Fashion vs. Fascism” (FVF) is a visually immersive evening of fashion, music and political theater exposing the rise of fascism in the U.S. and the need to resist. Democracy is under siege, and culture is one of our most potent defenses, organizers say.

Called a live “runway revolution,” FvF premieres Oct. 3 at The Rotunda, 300 Frank Ogawa Plaza in downtown Oakland.

A play that is part fashion show, part protest, part performance art, FvF stages five runway collections spotlighting the pillars of contemporary fascist politics and the urgent need to resist: the myth of a “glorious past,” the manufactured emergencies used to justify surveillance and crackdowns, and the oligarchs and grifters profiting from it all. Runway fashion shares the stage with political theater and live music, with a closing call to action.

“We need lawsuits, ballots and mass protests, but none of it lands if we’re not also fighting for people’s imagination,” says Linda Burnham, co-producer of the show. “People are exhausted and scared. FvF will expose the absurdities of fascist mythology and ideology in ways a news headline cannot and spark new ideas about how to resist.”

“Fascism doesn’t win by policy alone. It wins by telling a story. A myth about a ‘Golden Age.’ A permanent emergency that makes cruelty seem necessary. That’s not an accident, it’s a strategy, and it works on the same terrain as culture: image, spectacle, emotion,” says Aya De León, the show’s playwright.

“Every piece on this runway translates what is happening under fascism into a feeling,” explains Erica Furlong, the FVF creative director. “One designer’s trench coat is covered in pockets stamped ‘TRUTH,’ ‘MEMORY,’ ‘HOPE,’ ‘VOTE,’ ‘FUTURE,’ because that’s literally what gets seized first, pocket by pocket, under fascist decline. Fashion can hold grief and hope in the same silhouette, and that tension is exactly what this moment needs.”

At its best, fashion is about creativity, diversity, innovation, experimentation and the free exchange of ideas. Fascism, by contrast, demands conformity and control, while suppressing dissent.

FVF was created, organizers say, because democracy should always be in style.

Featured designers include Erica Varize, Rickie Lee, Tianna Charity, Julie Wong, and Maria Flores. The evening features a script by lead playwright Aya De León, musical performances by Mindeullae Project and DJ Emancipation, and other special guests.

FvF is designed to travel. Following the Oakland premiere, FvF will extend its reach through a documentary short, a curriculum on contemporary fascism in the U.S., and a full replication playbook — design templates, script, and curriculum — so organizers in other cities can stage their own version of the show.

Get more details at www.fashionvfascism.org.

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