Things That Matter

Ecuador’s President Lenín Moreno “Jokes” Women Report Rape Only When Assailants Are Ugly

It’s a tale as old as time and one with a well-overdue expiration date.

Once again, victims– namely women– of sexual assault are being shamed into silence because of jokes that have not been well thought out. This time, Ecuador’s President Lenín Moreno is the mouth behind the quip that deserves no laughs.

In a recent speech delivered in the city of Guayaquil, Moreno claimed women-only complain about assaults when the perpetrator is unattractive.

Speaking to investors in the port city, Moreno appeared to defend men accused of harassment saying “at times, with harassment, they torment ugly people. That is to say, that the harassment is when it comes from an ugly person,” he went onto add that “if the person looks good according to the standards, they tend not to think necessarily that it is harassment.”

Fortunately, the responses to Moreno’s disdainful comments were quick, unforgiving, and loud.

Women’s rights activist groups and other organizations quickly lambasted the already controversial president for his snide and noxious comments.

In a tweet posted to her Instagram account, Ecuador’s governing party congresswoman Soledad Buendía condemned Moreno, writing on Twitter that the president’s comments “justifies and reproduces violence against women. You can’t joke about harassment, rape, femicide, trafficking, sexual exploitation … Nothing justifies expressions that revictimize us!”

According to the Guardian, the Women for Change organization were quick to join in the conversation.

“It is not that everything now looks to women like harassment, it is that to machos like you it has never seemed bad to harass!” the organization tweeted.

Soon after the backlash hit, Moreno attempted to apologize.

In a tweet posted to his account, Moreno wrote an apology saying “In my comment about harassment, I did not intend to minimize such a serious matter as violence or abuse. I apologize if it was understood that way. I reject violence against women in all its forms!”

According to a comparative analysis published in the 2008 book Violence Against Women, 32.4% of Ecuadorian women interviewed aged 15-49 stated they had been physically or sexually abused by a current or former partner. Clearly, this is no laughing matter.

I Have $150k in Debt — Here’s What Financial Experts Told Me To Do

Things That Matter

I Have $150k in Debt — Here’s What Financial Experts Told Me To Do

Suriyo Hmun Kaew / EyeEm / Getty Images

Money is a topic that is difficult to talk about. Traditionally, society has told us that there are three things that we should not talk about in polite company: religion, politics, and money. Well, politics seems to be the only thing anyone talks about these days. As for religion, well, I’m of the “to each their own” policy. But money is something that we often still ignore — especially when it comes to frank discussions about debt.

Nobody likes to admit that they have debt. Whether it’s credit card debt, student loans, or paying off cars, most of us have something that we’re keeping quiet about. According to CNBC, 70 percent of college students are graduating with a “significant amount of loans” which total $1.5 trillion in debt for the over 44 million Americans who have student loan debt. In fact, a recent survey revealed that two-thirds of millennials have at least $10,000 in student debt and more than a third admitted to over $30,000 in debt, according to Inc.

Even worse, 42 percent of those that had more than $30,000 in debt were women and 11 percent of millennials have over $100,000 in student loan debt. Unsurprisingly, credit card debt is actually even higher for millennials (at 46 percent) and car loans come in just behind student loans (at 34 percent). Then there’s also medical debt to think about, as well as the 20 percent of millennials who actually have a mortgage.

Some of us, like me, have debt in all of the categories.

When my husband and I met and moved in together just six weeks into our relationship, we did it because we were in love and knew we wanted to be together for the long haul.

ehplusmoney/Instagram

However, what we didn’t know at the time (and came to learn very quickly) is that we both came with a heaping amount of debt. Now, two and a half years into our relationship and nine months into our marriage, I can tell you that our debt has only increased: Collectively, we have around $150,000 in debt — about $100k of that in student loans, $40k in car loans, and another $10k in credit cards and medical bills. Add to that the fact that we just bought our first house and, well, our financial situation has gotten a bit more complicated.

It’s not easy to talk about finances, and it’s especially not an easy thing to do with someone you love. Sadly, money is often cited as a common cause of marriages falling apart — which is precisely why my husband and I are trying to tackle these issues sooner than later. I know that we won’t get out of debt any time soon, but having a secure financial plan is a good way to step into our future, together. So, shortly, after getting married, we decided to speak with some financial experts about how exactly to tackle our $150k in debt… WITHOUT driving each other crazy or stopping some of our other personal goals (like traveling together or having kids in the next couple of years).

Nora Dunn, a former Certified Financial Planner and blogger behind the financially savvy travel site, The Professional Hobo, told us that a lot of it depends on what we as a couple are earning and what our goals are. Dunn advised that my husband and I evaluate the importance of each of our goals. Was buying a house more important than taking vacation? How much did we expect to spend on a house based on the market in our area? According to her, it was all about taking an ‘everything in moderation’ plan, where we would examine our take-home income and expenses, and then divide our disposable income between different goals, depending on how our goals are prioritized.

After some discussion, we decided that prioritizing goals, and dividing our income accordingly, definitely seemed like a good place to start. In fact, Shana Bickel, CPA and Financial Coach, mirrored that advice when she told me that “it is not for me to tell the couple how to prioritize their financial goals.” The important thing, she says, is “to identify and get very clear about those goals and then develop a plan to pay off debt while saving for a home and allowing travel that makes sense for their financial health and well being.”

Another financial expert took a more straightforward approach.

black_girl_success/Instagram

“Sell those cars!” said Lynne Somerman and The Wiser Miser. “If you’ve got big financial goals like this, there’s no situation where I can recommend $40K in car loans when you can buy a reliable used vehicle for $10K. Even assuming you still need two cars, that’s $30K that you’ve now got towards a down payment. After that, it would depend on the type and interest rates on the student loans. If they’re private loans, go aggressively after them. If the interest is higher than about 4-5% on the student loans, they’d be my next priority. If their income is high enough, you could do both here.”

However, David Rae, a Certified Financial Planner based in Los Angeles, has a more realistic approach.

“Get those cars paid off and drive them forever!” he advised. “You don’t need a new car every two or three years. My car is paid off, and I plan to drive it forever. Each of those car payments is like a trip to Europe each year. Would you rather have a brand new car or a trip to Europe?”

He’s definitely right about that, which is why we have made paying off our cars our #2 priority (after paying off our credit cards), since we’d also like to save for an international trip in the near future. Rae also reminds me that, although student loans are important, so is saving for retirement.

“The student loans are going to take a long time to pay off. Get serious about them, but make sure to contribute to your retirement at least enough to get a company match,” he said. “This will be like free money from your boss, and the government will give you break on your taxes.”

Meanwhile, Ashley Feinstein Gerstley, a money coach who runs The Fiscal Femme, said that it is all about opportunity cost.

“We can only use or spend each dollar we have once, no matter how much or little money we have,” she reminds me. “How can we use it in a way that will maximize our joy per dollar in the shorter and long-term? It’s about looking at each option and choosing consciously. If a couple is paying down their debt and that’s really important to them but they also want to travel, they might decide to let go of expenses in other areas to make that work. What expenses aren’t bringing them much joy? Would they rather live in a less expensive apartment for the time being so that they have more money to travel? When we take a look at each expense annually (including our bills) it’s much easier to see where our money is going and decide if we want to allocate it any differently.”

Taking a look at our overall finances, my husband and I were able to use this advice to devise some financial goals, set some priorities, create a payment plan, and figure out what we want to save for.

barefootbudgetmama/Instagram

It took some serious negotiating but we came away with a clearer picture of our finances. It’s not going to be easy, mind you. Having debt as a couple is difficult, but unfortunately, something that almost all of us face these days. If you don’t have student loans, then you might have a car payment or credit card debt or medical bills from that time before ACA when you didn’t have health insurance and ended up in the hospital (guilty!). But ultimately, the best thing you can do for yourself when it comes to your finances, whether you are coupled up or not, is to do the work to figure it out.

As Rae put it, “Get serious about your finances now — it won’t get easier when you have kids. You may make more money but you will be busier and tired. Parenting is hard. Just saying.”

Afro-Latina Journalist Gwen Ifill Will Be Honored As The Usps 43Rd Stamp In The Black Heritage Series

Fierce

Afro-Latina Journalist Gwen Ifill Will Be Honored As The Usps 43Rd Stamp In The Black Heritage Series

famu_spj / Instagram

The 43rd stamp in the Black Heritage series honors the late Afro-Latina boss woman, Gwen Ifill (1955–2016), one of America’s most esteemed journalists. The US Postal service stamp features a photo taken of the PBS News Hour co-anchor who sadly died in 2016. 

The stamp was unveiled just last week.

The stamp, which was unveiled last Tuesday, features a 2008 photo of Ifill with the words “BLACK HERITAGE” at the top and Ifill’s name at the bottom. It’s the 43rd stamp in the Black Heritage series and one of several new designs that will be issued next year.

Ifill was a pioneer for women and African Americans in journalism.

She become the first African American woman to host a major political talk show when she took the helm at PBS’s “Washington Week in Review.” “Gwen Ifill was a remarkable trailblazer who broke through gender and racial barriers,” shared Deputy Postmaster General Ronald A. Stroman at a dedication ceremony held for her at the Metropolitan African Methodist Episcopal Church in Washington, D.C.

The Deputy Postmaster went on to say, 

“The Postal Service is proud to celebrate Gwen’s contribution as a remarkable journalist with this beautiful commemorative Forever stamp. Gwen was truly a national treasure, and so richly deserving of today’s honor.” Gwen was a New York native of Panamanian and Barbadian descent who left behind an indelible journalistic legacy. Not only did she break down barriers on TV but she also worked for The New York Times and The Washington Post. Apart from her journalistic achievements, she also wrote the book The Breakthrough: Politics and Race in the Age of Obama.

Ifill worked at the NewsHour for 17 years.

The anchor covered eight presidential campaigns and moderated two vice-presidential debates. She was also the moderator and managing editor of “Washington Week.”

Her brother shared a statement

“The Ifill family is thrilled that our sister, cousin, and aunt has received this signal tribute to her legacy as a truth-teller, pioneer and exemplar,” said Bert Ifill, Gwen’s brother and spokesperson for the family. “As a reporter and moderator, Gwen was dedicated to two principles: getting the story right and getting the right stories out. As a mentor, supportive friend, and family member, she was determined, not only to open doors for those of us previously locked out of opportunity but also to provide floor plans to help us find our way through. She is forever in our hearts, and we are forever in her debt.”