Things That Matter

Ex-Undocumented Immigrant Recognized As Actual Genius For Helping Latinos Escape Poverty

Credit: macfound/YouTube

The key to Latino empowerment starts with good credit.

One of the reasons my family was able to get by was because of tandas (some of you call them cundinas). For the unfamiliar, it’s basically a small group of people–usually neighbors or coworkers– lending small amounts of money to one another. Let’s say that 10 people agree to participate. Everyone agrees to chip in $100 every month for 10 months (one month for every person involved). At the start of every month, one person in the group takes the entire pool of money, $1,000. You do this until everyone gets to collect the pool of money.

This practice is basically a short term loan, the same kind of thing that banks and credit card companies do. The only difference is that there’s no interest collected (which is how financial institutions make money) and that it’s not reported to the credit agencies. This last part is what screws Latinos over. You can’t really do much in this country without good credit, and one way to establish good credit is by having a history of consistently paying off what you owe.

Which brings us to Jose A. Quiñonez. The former undocumented immigrant — he and his family came from Mexico and gained citizenship thanks to Ronald Reagan’s amnesty program — was recently named as one of the 23 recipients of the MacArthur Fellowship, which is best known and most commonly referred to as “the genius grant” and comes with a stipend of $625,000. And the reason for being named a genius? He created a system that basically reports tanda-like activity to the credit bureaus, helping countless Latinos build and improve their credit. 

“We have this notion in our society that poor people are poor because they are broken, or bad, or making bad choices,” Quiñonez told the Los Angeles Times. “Here is a successful program based on completely different assumptions about poor people, that there is something good and honest in them, to survive and thrive regardless of the obstacles.”

I can’t stress how important this is. According to the Los Angeles Times, Quiñonez’s nonprofit organization, Mission Asset Fund, has helped the average participant’s credit score by a whopping 168 points. That’s a game changer. A poor credit score is anything below 600, whereas an excellent credit score is above 750. Those 168 can mean the difference between renting or owning, which is a big deal when you consider that the majority of a household’s wealth comes through home ownership. And it’s an even bigger deal when you take into account that Latinos are twice as likely to get rejected for a home loan. So not only Quiñonez worthy of being called a genius, but he should also be considered a saint.


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READ: These Homeless Latino Want To Go Home, But They Need Your Help

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This Couple Used A Car Seat To Sneak Food Into A Theater And People Are Screaming

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This Couple Used A Car Seat To Sneak Food Into A Theater And People Are Screaming

@iamkelia.b / Instagram

Sneaking snacks into the movie theater is one of those things that we all remember from childhood. Sometimes mom would make you wear a backpack and fill it with all the treats your little heart desired. Was it embarrassing? Sure. But now that we’re adults, we totally get why you would want to save money and not buy those movie theater snacks.  Instagram user @iamkelia.b has given all of us new goals when it comes to sneaking in food: a baby car seat.

@iamkelia.b and her boyfriend have one-upped all of us with their genius method of sneaking food into the movie theater: a baby car seat.

CREDIT: @iamkelia.b / Instagram

Mind. Blown.

Tbh, this is probably so much easier to get away with.

CREDIT: @iamkelia.b / Instagram

Any movie theater employee can ask to look in your bag but would any of them have the audacity to ask if they can look in your baby car seat? Probably not.

And they fit so much into that car seat. Like, dayum.

CREDIT: @iamkelia.b / Instagram

#DECEASED

People are already trying to figure out how they can do it too.

CREDIT: @iamkelia.b / Instagram

A big purse is great in a pinch but a car seat is just the tops.

There were some serious questions about the amount of food the two snuck in.

CREDIT: @iamkelia.b / Instagram

Those are a lot of drinks, tbh.

Other people are calling out their friends’ weak smuggling game.

CREDIT: @iamkelia.b / Instagram

I. Can’t. ?

But, overall, this couple has given a generation a new movie theater hack.

CREDIT: @iamkelia.b / Instagram

Take a bow, y’all.

Watch the full adventure below!

Not every body can just walk in with a bag ??‍♀️???? @saan_won_ton

A post shared by Dm For My 2nd ig ? (@iamkeila.b) on

#GOALS


READ: Her Son Couldn’t Believe What She Smuggled Into The Movie Theater

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Yes, You Can Finally Be The Tortilla You Have Always Dreamed Of Becoming

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Yes, You Can Finally Be The Tortilla You Have Always Dreamed Of Becoming

& friends / YouTube

Your dreams of being a taco, quesadilla or burrito are so close you could taste them. Seriously. Someone actually went and created a tortilla towel. It is 5 feet and super realistic. Just check out all the things you can be with this towel.

1. Taco

Taco
Credit: & friends / YouTube

You are what you eat, right?

2. Quesadilla

Quesadilla
Credit: & friends / YouTube

Just add another towel!

3. Tostada

Tostada
Credit: & friends / YouTube

#BasicAF

4. Enchilada

Enchilada
Credit: & friends / YouTube

So that’s how you roll an enchilada… ?

5. Burrito

Burrito
Credit: & friends / YouTube

Another double towel masterpiece.

6. Taquito!

Taquito
Credit: & friends / YouTube

Just be careful how far you roll, okay?

Watch the full video below!

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READ: This Machine Can Cook A Homemade Tortilla In 30 Seconds

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