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Stigma, a Virus that Can Be Cured

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Stigma is a virus that we all can cure. After 33 years, we now know more about HIV than ever. We have miraculous treatments, which can double as prevention. Today, science can help stop the disease with treatment, but it alone cannot end AIDS. We can’t get those living with HIV on treatments if they’re afraid to disclose their status because of stigma or homophobia.

Since the beginning of the epidemic for many HIV positive people, the reality of being ostracized, devalued, rejected, scorned and even murdered is real. Those who are HIV positive may experience psychological distress, and many viewing themselves contemptuously.

By making life difficult for those living with HIV, stigma can prevent open discussion about behaviors that can result in infection and some actions that one can take to prevent being infected. The fear of stigma has stopped many people from testing, and thus will not seek treatment until they’re sick or dying, while not taking precautions to prevent infecting others.

Most stigmatized groups come with symbols, such as skin color, hearing aids, canes, shaved heads or wheelchairs, you can’t tell someone is HIV positive based on looks. Most HIV stigma comes from testing and disclosure which looks and may feel different on a individual level. Increases in a chance of being stigmatized can depend on your geographic location in the U.S. For example, disclosing at a clinic in a metropolitan area such as Oakland, CA is much different from disclosing in a small town in North Carolina, where your pharmacist might attend your church. One of the biggest stigma fears for a lot of HIV positive heterosexual black men is the fear of being perceived as homosexual, when disclosing.

Studies show the impact of HIV related stigma on care is significant. A self reported study to evaluate the effects of concerns attributed to stigma, sampled 204 people living with HIV. Participants with high HIV concerns proved to be 3.3 times more likely to be non-adherent to their medication regimen than those with low concerns. This study shows that the threat of social stigma can prevent people living with HIV from revealing their status to others, which causes obvious health concerns to society. Clinical care directed to individuals living with HIV should include consideration of a patient’s sensitivity to social stigma.

Social stigmas come in many different forms. There is internal stigma, where the person stigmatized believes the negative things about themselves and there is external stigma, where others make the stigmatized person feel different, devalued and tainted. This happens in the workplace, educational settings, healthcare, criminal justice systems, and even in their own families. Members of stigmatized social groups often face prejudice or just the fear of prejudices can cause depression threatening a person’s social identity like low self esteem.

The experience of being stigmatized may also take a toll on self esteem, academic achievement, and other outcomes, but many people get through it, maintaining high self esteem, are happy and quite resilient to the negative experience. Today stigma endures, remaining a powerful barrier to African Americans that need HIV care, but it is not inevitable and can be fixed. We must first challenge the blemish that is part of being diagnosed with HIV and challenge the internalized disgrace of the stigmatized.

African Americans must educate themselves to the facts on why we shouldn’t stigmatize. We should create and support legislation against any form of discrimination. Let our community mobilize and participate in anti-stigma efforts. The power of a single action or person can influence others to move from inaction to action. It’s time to say “Stigma stops here”.

#NNPA BlackPress

How to Use Credit Wisely

(NewsUSA) – As the holiday season approaches, more people are out shopping, searching crowded stores and online promotions for the best discounts, and using their credit cards to pay for it all. But beware the financial dangers of credit use — how you pay for these deals could safeguard your budget or lead to debt. […]
The post How to Use Credit Wisely first appeared on BlackPressUSA.

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A CERTIFIED FINANCIAL PLANNER™ professional can help you guard against costly credit mistakes, paving the way for a financially sound festive season and beyond. Learn more about how to use credit in a way that works for you with the insights below.

Choose Your Credit Card Wisely

Whether you’re shopping for holiday gifts or purchasing necessities like groceries, the credit card you use can make a big difference. There are several factors to consider:

  • Interest Rates. Rates generally run from 21-33%. The standard bank card charges at the low end of the range, and retailer credit cards (those typically with the store’s name on them) charge as much as 33%.
  • Cash Back. Among the best deals are bank cards that offer cash back ranging from 1-4% of your purchase.
  • Rewards Points. Some cards have rewards programs where you earn points that you can redeem for products or services. They may seem attractive but are worthwhile only if you’re actually interested in the rewards offered.
  • Cash Discounts. While retailer credit cards have the highest rates, some offer big cash discounts at the point of purchase. That may be the only time they’re worth using.

Improving Your Credit Score

Boosting your credit score can help you qualify for the lowest available interest rates on auto loans, personal loans and mortgages. If you can, pay the full balance when your credit card bill arrives. But most importantly, never miss a payment. Paying on time not only avoids late fees, but also is a key factor in improving your credit score. The easy way to ensure timely payment is to set up automatic online payments.

A CFP® professional can help you develop other strategies to save money while improving your credit profile, including the following:

Establishing Credit

Lenders offer credit to people with a long and reliable credit history. Most young adults don’t have one. There are various ways to obtain credit, but steer clear of debit cards that claim they can help you build a credit history. When you consider the costs and requirements, they’re usually no bargain. You have better and cheaper options for establishing credit. Here are three of them:

  • Get a secured credit card.
  • If you have a student loan, make sure you’re up-to-date with payments.
  • If you pay rent, ask your landlord to report your on-time payments to the credit bureaus.

The choices we make in managing credit can have a lasting impact on our financial journey. As you navigate the complex credit landscape, remember that CFP® professionals can offer tailored guidance for your unique circumstances. Whether it’s identifying strategic debt payments, exploring balance transfer options or establishing credit responsibly, a CFP® professional can provide a roadmap for achieving your financial goals. Find a CFP® professional today.

The post How to Use Credit Wisely first appeared on BlackPressUSA.

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Oakland Post: Week of November 22 – 28, 2023

The printed Weekly Edition of the Oakland Post: Week of November 22 – 28, 2023

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The printed Weekly Edition of the Oakland Post: Week of November 22 - 28, 2023

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Acura ZDX Type S features

LA Auto Show was the venus for the Acura ZDX Type S details.
The post Acura ZDX Type S features first appeared on BlackPressUSA.

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LA Auto Show was the venus for the Acura ZDX Type S details.

The post Acura ZDX Type S features first appeared on BlackPressUSA.

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