MLK Historic Sites Closed Due to the Shutdown; Black America Suffers Its Impact

Today would have been Martin Luther King Jr.’s 90th birthday. On this day, many flock to the Ebenezer Baptist Church where King was a pastor, and to King’s home—both of which are part of a national park in Atlanta honoring the late civil rights leader. However, both are closed today, due to the government shutdown. “’Because of a lapse in federal appropriations, this National Park facility is closed for the safety of visitors and park resources,’ said several signs on the landmarks run by the National Park Service,” reported the Philadelphia Tribune.

Bernice King, MLK’s youngest child, was reportedly upset about the closing.

“I feel a little bit of sadness because our main partner in this area, in this district, is the National Park Service … and they are not here with us today. I didn’t expect to cry over this,” she said according to the Philadelphia Tribune.

The current shutdown just made the dubious distinction of being the longest in the country’s history with the President and Democratic leaders at an impasse over funding for President Trump’s vision of a new wall on the southern border, a structure he says will curtail illegal immigration.

In addition to the closing of the Martin Luther King Jr. National Historical Park in Atlanta, other national parks including the Smithsonian’s National Museum of African American History and Culture, remain shuttered as the shutdown enters its fourth week.

The shutdown is wreaking disastrous economic havoc for families of federal workers who have not received paychecks since it commenced. Black Americans, in particular, are feeling the enormous impact. In an essay for The Root, Jason Johnson writes:

Endemic discrimination in the private sector forces many African Americans to pursue middle-class dreams through working for the federal government. African Americans make up 18 percent of federal employees, and 21 percent of SES (Senior Executive Service) positions compared to being only 8 percent of executive board members across all fortune 500 companies in America.

 

This is especially the case in the DMV (D.C., Maryland and Virginia area) where the bulk of employment is either directly or indirectly associated with the federal government. Everyone here knows all too well that Republican dog whistles about “lazy” federal employees have always been a proxy attack on black Americans in the same way the border wall is a symbolic attack on Latinos.

The Guardian reports that the shutdown is destabilizing the predominantly black Washington DC suburbs and Prince George’s County in Maryland. Those areas have among the highest numbers of middle-class blacks due to the numbers that work for the government.

From The Guardian:

“Around here people’s families work for the government, generationally,” said Kenneth Graves, a federal employee currently on furlough who grew up in Prince George’s.

 

“My mom works for the government. My dad worked for the government,” Graves said. “That’s what we always heard growing up – get a good government job.”

 

Graves, who is black, said he can probably sustain about another month of the shutdown before he depletes the last of his savings. A furloughed Federal Aviation Administration employee, Graves is currently looking for part-time work in hospitality to keep some income coming in, and stay occupied.

 

“We’re all just sitting at home or looking for a part-time position,” Graves said. “It’s really challenging.”

Black furloughed workers are trying to come up with ways to stay financially afloat. In Oxon Hill, Maryland, two sisters—both public sector employees have started selling cheesecakes as a way to bring in much-needed income, reports WJLA:

Two Maryland sisters who are both furloughed from their government jobs have launched a business selling cheesecakes to help pay the bills.

 

Nikki Howard, with the FDA, and sister Jaqi Wright, with DOJ, never imagined the government shutdown would lead them to start a business.

 

Each have husbands they say can’t work due to disabilities, and with bills such as college tuition for Nikki’s daughter piling up, they say they had to do something.

 

“It’s either cry or get up and do something, so we decided to get up and do something,” Nikki said.

Furloughed workers are scrambling to make ends meet. They are turning to food banks, launching GoFundMe campaigns, and some are even forced to ration their medication because they can’t afford the co-payments.

The post MLK Historic Sites Closed Due to the Shutdown; Black America Suffers Its Impact appeared first on Black Enterprise.

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These are the jobs that get the most swipes right on dating sites

Apparently.

relationship challenge, she's all that

Dating isn’t exactly a walk in the park these days. We’re getting all too used to cushioning, ghosting, stashing and sneating, and the dating trends of 2019 don’t exactly offer a glimmer of hope, either.

And if you’re using an app to find the cherry to your bakewell, you’ll know how quickly you make your mind up about someone. Based on a bunch of pictures and a bio, we make assumptions and judgements in a matter of seconds. Enjoys brunches, lazy Sundays, and has a cute dog? Instant swipe right.

But there’s another thing we’re judging when flicking through the books for a potential partner. Apparently, their job plays an important role. When separating the wheat from the chaff so to speak, we’re reportedly drawn to some careers more than others.

According to a new survey from Badoo, the most attractive job for men is a chef and for women, a hairdresser. Participants were aged between 18 and 30, and appear to prefer more hands-on professions.

Most desirable jobs for men:

  1. Chef
  2. Engineer
  3. Entrepreneur
  4. Marketing
  5. Artist

Most desirable jobs for women:

  1. Hairdresser
  2. Nurse
  3. Lawyer
  4. Entrepreneur
  5. Teacher

It’s a different story if you talk to the masterminds over at Tinder, however. Their recent study showed that the top job for men was a pilot, and the top job for women was a physical therapist.

Just to confuse you even more, data collected from Match.com also doesn’t quite relate to its competitors, with the website claiming that the most desirable men are doctors, and women are freelancers.

So there you go.

The post These are the jobs that get the most swipes right on dating sites appeared first on Marie Claire.

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Credit Card Debt? These 4 Sites Could Help You Pay It Down Faster

So, you have thousands of dollars in credit card debt, and the burden of paying off all that — and interest — is gobbling up your income.

Instead of financially treading water making minimum payments and paying maximum interest, make the smart move, and take out a debt consolidation loan. It’s a personal loan, usually at a lower interest rate that you can use to pay off your high-interest credit cards.

In the long term, you can save a ton of money, but first you have to shop around for a loan.

Sound difficult? It doesn’t have to be. Instead of spending hours scouring the internet, you can go window-shopping at an online marketplace that’ll help pinpoint the best loan for you.

We recommend you try more than one site and see what kind of results you get. Heck, try them all if you want. It won’t take long, and you have nothing to lose: Seeing your options won’t cost you anything, and it won’t hurt your credit score.

4 Marketplaces for a Credit Card Debt Consolidation Loan

To start, you’ll need to know your credit score, but that’s super easy. Just sign up for Credit Sesame, a free credit-monitoring service that helps you keep track of your credit. It’ll immediately show you your credit score, and it’ll offer you personalized tips to better manage your credit.

Here are four different options for places to find a loan online. At the end of this article, you’ll find a chart comparing them at a glance.

Credible

Credible is a one-stop shopping place where you can compare rates side-by-side from multiple lenders who are competing against each other for your business.

It allows you to compare quotes from seven different lenders: Avant, Best Egg, Freedomplus, Lending Club, Payoff, Prosper and Upstart.

Through Credible, you can borrow $ 1,000 to $ 50,000 with a loan term of two to five years, at interest rates ranging from 4.99% to 35.99%. The interest rates you’re offered will depend on your individual credit profile.

Credible is best for borrowers who have good credit scores and just want to consolidate their debt. It requires you to have a credit score of at least 680.

Even Financial

Compared to Credible, Even Financial allows you to borrow more money and borrow it for a longer period of time — if that’s what you want to do.

You can borrow up to $ 100,000 and spend up to seven years paying it back. That’s more money and time than you can get from any of these other three lending marketplaces.

Even’s lending partners include Avant, Best Egg, Freedomplus, Lending Club, LendingPoint, LightStream, Payoff, Prosper, SoFi and Upgrade.

You’ll need a credit score of at least 580. Interest rates range from 4.99% to 35.99%.

Lendvious

Lendvious is the newest of these four online loan websites.

Depending on your credit score and how much you want to borrow, you’ll immediately get offers from up to 10 lenders. You can borrow up to $ 50,000 with no collateral required.

Different lenders are looking for minimum credit scores ranging from 560 to 650. The company’s lending partners include Avant, Best Egg, Freedomplus, LendingPoint, Lending Club, Marcus, OneMain Financial, Prosper and Upgrade.

Interest rates range from 4.99% to 35.99%.

If your credit isn’t great, Lendvious might be your best option.

Upstart

Unlike those others, Upstart is a lending platform that manages the process from pre-approval through servicing your loan.

Founded by ex-Googlers, Upstart is a lending platform that’s striving to change the personal loan game. Rather than solely focusing on your credit score to determine your borrowing power, it looks at other factors, too, including your education and employment history.

Upstart tends to be especially helpful for recent grads, who have a short credit history and a mound of debt.

Many lenders judge consumers based only on their credit history. But Upstart believes this leaves out an entire segment of the population — even though they’re totally qualified.

When it comes to the length of the loan, Upstart offers three options: three, five or seven years. The company says its average three-year loan has a 16% interest rate*, with 36 monthly payments of $ 35 per $ 1,000 borrowed.

Comparing Your Options One More Time

Seeing your quotes from each of these platforms takes 5 minutes, tops, so you can easily try out more than one. Each conducts a soft inquiry on your credit, meaning it won’t affect your credit score at all.

Once you actually apply for a loan, the lender will perform a hard inquiry on your credit, which will ding your credit temporarily.

Here’s the chart we promised you:

  Credible Even Financial Lendvious Upstart
Interest rate 4.99% to 35.99% 4.99% to 35.99% 4.99% to 35.99% 8.92% to 29.99%
Term Two to five years Two to seven years One to five years Three or five years
Loan amount $ 1,000 to $ 50,000 $ 1,000 to $ 100,000 $ 1,000 to $ 50,000 $ 1,000 to $ 50, 000
Minimum credit score 680 580 560 620

*The average three-year loan offered across all lenders using the Upstart Platform will have an APR of 20% and 36 monthly payments of $ 35 per $ 1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on three-year rates offered in the last one month. Your APR will be determined based on your credit, income and certain other information provided in your loan application. Not all applicants will be approved.

All loans are made by Cross River Bank, an FDIC insured New Jersey state chartered commercial bank, equal housing lender.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He knows a lot about credit card debt from personal experience.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.


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For the past four months, Google has been encouraging advertising agencies to create price comparison sites, which it presents in the Google Shopping box.
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