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UN Report Says Oakland Guilty of “Cruel and Inhumane  Treatment” of Homeless

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The United Nations Special Rapporteur to the Right to Adequate Housing, Lelani Farha, released her new report on Oct. 19 documenting the “global scandal” of homeless encampments.

In January of 2017, Farha spent time in the San Francisco Bay Area and Southern California to meet with unhoused residents and housed advocates and described the conditions as “cruel and inhumane”.

The only U.S. cities explicitly called out for violations in the UN’s report on global homelessness are San Francisco and Oakland.

She states that while the existence of “informal settlements” are human rights violations due to local government’s lack of will to provide permanent housing to all residents, these encampments are also people’s assertion to their denied human right of housing.

She declares curbside communities are acts of resilience, resourcefulness and ingenuity in the face of dire circumstances.
Rather than criminalize or ignore these settlements, until permanent housing can be offered to all, it is the duty of local governments not to evict curbside communities but to upgrade them and residents of these encampments should participate in all areas of the upgrading, including sanitation, clean water, food services and support services.

Homeless leaders and advocates in San Francisco, Berkeley and Oakland hosted Ms. Farha, including Coalition on Homelessness, Western Regional Advocacy Project (WRAP), East Oakland Collective, Village/Feed the People and First They Came for the Homeless.

Ms. Farha was able to hear and speak directly with people living in encampments and on our streets about the oppression, hatred and police violence they experience every day.
In Ms. Farha’s report she frames the encampments and street dwelling in the United States under the same vein as the informal settlements around the world. Finding that “the scope and severity of the living conditions in informal settlements make this one of the most pervasive violations of human rights globally,” states the report.

The Oakland conditions of discrimination and harassment of encampment residents and punitive denials of access to basic services constitute “cruel and inhuman treatment and is a violation of multiple human rights… Such punitive policies must be prohibited in law and immediately ceased.”

The Rapporteur summed up her visit in California:

“I visited California and saw firsthand the human right violations being experienced by people who are homeless. They are the victims of failed policies—not the perpetrators of crime.”

“That truth is that by any measure — moral, political or legal — it is unacceptable for people to be forced to live this way. Refusing to accept the unacceptable is where we must begin.”

The report is available at https://wraphome.org/research-landing-page/legalresearch/

 

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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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