Friday, September 27, 2024

Go Green With Home Cleaners

 

(Family Features) If you're among those looking for ways to clean your home while also going green, it may be easier than you think.

Consider these easy and affordable solutions to help you live more environmentally friendly. You may be surprised to find you already have many of these household products on hand.

Baking soda: A natural, safe, effective and gentle solution, baking soda can serve multiple home cleaning needs. Make a paste of three parts baking soda to one part water. Rub onto silver with a clean cloth or sponge. Rinse thoroughly and dry for shining serving or decor pieces. Additionally, you can sprinkle baking soda on upholstery and carpet to get rid of odors.

Vinegar: With the acidity to help get rid of dirt and grime around the home, vinegar can be used to clean cloudy glassware. Simply soak paper towels or a cloth in full-strength white distilled vinegar and wrap around both the inside and outside of the glass. Let sit before rinsing clean. To remove lime deposits on your tea kettle, add 1/2 cup distilled white vinegar to the water and let it sit overnight. In the morning, boil the vinegar for a few minutes then rinse with water.

Lemons: With a fresh, natural smell, lemons have the acidity to remove soap scum, clean and shine brass and remove hard water deposits. Just spray some lemon juice on tile surfaces to remove soap scum or hard water deposits. Squeeze lemon juice on a cloth and use to polish brass around the home.

Houseplants: Plants serve as natural air purifiers. African violets and ferns are beautiful ways to help clear the air.

Other easy, green ideas for keeping your home clean include opening windows and doors while you clean to improve air quality and taking off your shoes when you come inside, which can help avoid tracking dust, dirt, pollen and more throughout the house.

Visit eLivingtoday.com for more eco-friendly advice.

Photo courtesy of Unsplash
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Source: eLivingtoday.com

Thursday, September 26, 2024

Fasting in Diabetes | Intermittent Fasting

 Fasting with Diabetes

Those who are fasting regularly or who eat according to the rules of intermittent fasting experience many health benefits. Fasting can protect the brain from dementia, reduce breast cancer risk, and - as a new study shows - can also reverse diabetes. If the pancreas is repeatedly stimulated, the cells of the pancreas can be reprogrammed so that they can then form insulin again. Of course, certain fasting rules have to be monitored in diabetes in order to keep the blood glucose level up.

Fasting Has a Beneficial Effect on Diabetes

In a study with human pancreatic cell carcinoma cells, researchers at the University of Southern California (USC) discovered in February 2017 that a diet with regular fasting periods can have extremely beneficial effects on diabetes. Fasting helps stabilize the blood glucose levels and can also trigger the formation of new pancreatic cells. The new pancreatic cells then replace the old non-functional pancreatic cells - indicating a healing effect of fasting on diabetic patients.

Fasting Helps With Diabetes Type 1 or 2

In type 1 diabetes and in the late stage of type 2 diabetes, the pancreas loses more and more of its insulin-producing cells (beta cells) - and the instability of the blood glucose level increases.

The findings of Professor Valter Longo, head of the Longevity Institute of the USC Leonard Davis School of Gerontology in California, show that a diet with recurring fasting periods increases the number of insulin-producing beta cells in the pancreas after a short time and promotes insulin secretion for both type 1 diabetes and for type 2 diabetes. After this regimen diabetes symptoms had been improved in both types of diabetic patients.

When intermittent fasting is practiced again and again between phases of a normal diet, those pancreatic cells that can no longer produce insulin suddenly change back into insulin-producing cells, says Longo. This way, mice that are in a late stage of diabetes (type 1 or type 2) could be healed. It was also possible in human pancreatic cell cultures to reactivate the inactive pancreatic cells of type 1 patients via fasting to functional cells.

Fasting appears to be activated in the cell genes, which are normally active only during the embryonic period, ie when the pancreas develops. These genes provide for the formation of a certain protein. It is called neurogenin-3 and is abbreviated with Ngn3 - and precisely this protein is clearly a key substance that initiates the formation of new insulin-producing beta cells.

Five Days of Fasting Per Month Could Be Enough to Cure Diabetes

Professor Longo is currently planning the first clinical trials with the fasting method. He is sure that one day diabetics will be officially recommended by their doctors for fasting regimens, for example five days a month, and this can lead to healthy insulin formation and a balanced blood glucose level.

Diabetics Fasting Must Be Aided by Your Doctor

If you are a diabetic and want to try the fasting regimen, Professor Longo recommends that you discuss with your diabetologist or better with a fasting doctor. Let yourself be accompanied and advised during the fasting. After all, your blood glucose levels have to be closely checked during this time and your medication must be adapted accordingly.

Fasting is Helpful Even In Multiple Sclerosis

The study by Professor Longo was published in the journal Cell on February 23, 2017, and is the last of a series of studies dealing with the health benefits of fasting, particularly intermittent fasting.

These results showed that the described form of the fast can not only be highly recommended for diabetes, but also for the cardiovascular system, as an excellent anti-aging treatment, as well as cancer prevention and even in autoimmune diseases such as multiple sclerosis.

Wednesday, September 25, 2024

Welcome to Hacienda Muñoz

 

About Us

Hacienda Muñoz is a coffee farm founded in 1999 by Héctor Muñoz located in San Lorenzo, Puerto Rico. It has a restaurant, Yiya's Restaurant, a coffee shop, Doppio Coffee Bar, a sports bar, Amanda's Garage, and a guided coffee tour.

To visit the hacienda you do not need to make any type of reservation. Everything is done in order of arrival. Admission and parking are free of charge. The coffee tour is not a mandatory activity, you can visit the hacienda without having to do it.
Hacienda Muñoz doesn't work brunch and/or traditional breakfasts in any establishments, also the entry of food to the restaurant or any area is not allowed.
Its also important to emphasize that Hacienda Muñoz is a coffee farm with a restaurant, coffee shop and guided coffee tour only. Meaning that they doesn't have a hostel, swimming pool, live music, farm animals, camping area, picnic area and/or any type of attractions for children.

Business Hours

Yiya's Restaurant
Monday - Tuesday: closed
Wednesday - Sunday: 11am -9pm

Doppio Coffee Bar
Monday: closed
Tuesday: 7am-3pm
Wednesday - Friday: 7am-9pm
Saturday - Sunday: 8am-9pm

Amanda's Garage
Saturday - Sunday: 11am-6pm

 

 

 

Coffee Tour
Friday - Sunday: 10am (English), 12pm (Spanish) and 2pm (Spanish)

Our Story

In 1993 Héctor Muñoz together with his mother Yiya, began to make dishes for activities (catering) from the garage of their house. In the mid-90s they already traveled the entire Island with their flavor satisfying all their clients. At the beginning of 2000 they became responsible for providing their good service to five hospitals, traveling from Ponce to San Juan. In 2002, with capacity for only 20 people, Yiya's Café was born, bearing his name in honor of Doña Yiya. This becomes a place where they could manifest all their knowledge and love for cooking in a more personal way. Such was the acceptance that the the same clientele was "pushing" them to move, since the place was becoming small.

In 1999 Héctor acquired what is now known as Hacienda Muñoz, and it is here where it was built, Yiya's Restaurant. One of his biggest challenges has been to be able to provide his food preparation services to 5,000 athletes in the Mayagüez 2010 Central American Games for a period of one month. The work they did satisfactorily became pride of our town. In 2011, Yiya's Restaurant was described by Sal Magazine and Primera Hora newspaper as one of the best 10 restaurants in Puerto Rico. That same year, Héctor has the dream of resuming the planting of coffee at the farm Process that had disappeared in this area for 100 years.

In 2014 the planting of coffee begins and is born what is today the renowned brand Café Hacienda Muñoz, which in such a short time has managed to win the People Choice Award in 2016 -2017, 2018, and 2019, as the best coffee in Puerto Rico. For Hector and his mother, Yiya, the greatest achievement and satisfaction has been, and is, being able to serve you now. Where are you sitting. All their food is made at the moment, with products of the best quality. With the best seasoning and the greatest dedication of our more than twenty-five years of experience.

Tuesday, September 24, 2024

The Spanish-American War: A Turning Point for America and Puerto Rico

 

The Spanish-American War, which lasted from April 21 to August 13, 1898, was a pivotal conflict that marked the United States' emergence as a global power. The war's origins were rooted in a mix of economic interests, humanitarian concerns, and the influence of a burgeoning American media. The war's outcome had significant and long-lasting impacts, including the United States' acquisition of territories such as Puerto Rico, which led to complex struggles for sovereignty and identity that continue to resonate.

Origins of the War

The immediate catalyst for the Spanish-American War was the Cuban struggle for independence from Spain. Cuba had been a Spanish colony for centuries, and by the late 19th century, Cuban nationalists were waging a protracted guerilla war against Spanish colonial rule. The Cuban War of Independence, which began in 1895, was marked by brutal tactics on both sides. The Spanish employed a policy of "reconcentration," herding Cuban civilians into camps where many died from disease and starvation. The harsh treatment of the Cuban population garnered significant sympathy in the United States, where the press, particularly the sensationalist yellow journalism of William Randolph Hearst and Joseph Pulitzer, played a crucial role in drumming up public support for intervention.

Economic interests also played a significant role in the lead-up to the war. American businesses had substantial investments in Cuba, particularly in the sugar industry. The instability in the region threatened these interests, and there was a growing sense among American political and business leaders that a stable, independent Cuba, or even one under U.S. control, would be more favorable to American economic interests.

The sinking of the USS Maine in Havana Harbor on February 15, 1898, was the immediate trigger for the war. The Maine had been sent to Cuba ostensibly to protect American citizens and property during the ongoing conflict. When the ship exploded, killing 266 American sailors, the U.S. press and public were quick to blame Spain, although the actual cause of the explosion remains unclear to this day. The rallying cry "Remember the Maine, to Hell with Spain!" became a powerful motivator for those advocating for war.

The War: Duration and Casualties

The Spanish-American War was relatively short, lasting just under four months. It officially began on April 21, 1898, when the United States declared war on Spain. The war was fought on multiple fronts, including the Caribbean and the Pacific.

In the Caribbean, the U.S. Navy quickly established naval superiority. The most significant engagement was the Battle of Santiago de Cuba, where the Spanish fleet was destroyed, effectively ending Spain's ability to maintain its colonial rule in the region. On land, American forces, along with Cuban and Filipino insurgents, won decisive victories, including the famous Battle of San Juan Hill, which catapulted Theodore Roosevelt and his Rough Riders to national fame.

In the Pacific, the U.S. Navy achieved a stunning victory at the Battle of Manila Bay on May 1, 1898. Under the command of Commodore George Dewey, the U.S. fleet destroyed the Spanish Pacific Squadron, leading to the eventual surrender of Manila and the occupation of the Philippines by American forces.

The war officially ended with the signing of the Treaty of Paris on December 10, 1898. Spain ceded its control over Cuba, Puerto Rico, Guam, and the Philippines to the United States. The United States emerged from the conflict with new overseas territories and a newfound status as a world power.

In terms of casualties, the war was relatively low in terms of combat-related deaths. Approximately 385 American soldiers died in battle, while an additional 2,061 succumbed to disease, particularly yellow fever and malaria. Spanish casualties were higher, with an estimated 60,000 soldiers dying, most of them from disease rather than combat.

The Aftermath: Puerto Rico and the Struggle for Sovereignty

One of the most significant outcomes of the Spanish-American War was the United States' acquisition of Puerto Rico. Under the Treaty of Paris, Spain ceded Puerto Rico to the United States, marking the beginning of a complex and often contentious relationship between the island and its new colonial ruler.

Initially, Puerto Rico was governed under military rule, but in 1900, the U.S. Congress passed the Foraker Act, which established a civilian government on the island. However, the act also granted significant power to the U.S. President and Congress, leaving Puerto Ricans with limited self-governance. This period was marked by economic exploitation, with American sugar companies gaining control of large portions of the island's land and resources.

The struggle for Puerto Rican identity and sovereignty was further complicated by the passage of the Jones-Shafroth Act in 1917, which granted U.S. citizenship to Puerto Ricans. While this provided some benefits, it also meant that Puerto Ricans could be drafted into the U.S. military, which many viewed as a move to secure more soldiers for World War I. The act did not grant full political rights, however, as Puerto Ricans still lacked voting representation in Congress and could not vote in U.S. presidential elections.

The legacy of the Spanish-American War in Puerto Rico is one of ongoing debate and struggle. While some Puerto Ricans have sought greater integration with the United States, including statehood, others have pushed for independence or greater autonomy. The island's political status remains unresolved, with periodic referendums reflecting a divided populace.

In conclusion, the Spanish-American War was a turning point in U.S. history, marking its emergence as an imperial power. The war's origins were rooted in a complex mix of humanitarian concern, economic interests, and media influence. The conflict itself was brief but had significant and lasting consequences, particularly for territories like Puerto Rico, where the struggle for identity and sovereignty continues more than a century later.

Monday, September 23, 2024

Santa Isabel Puerto Rico: A Hidden Gem of the South

 

Santa Isabel, a tranquil town located on the southern coast of Puerto Rico, is a place steeped in history, culture, and natural beauty. Known as the "Tierra de Campeones" (Land of Champions) due to its rich agricultural history and the sporting spirit of its people, Santa Isabel offers a unique blend of tradition and modernity that makes it a charming destination for visitors.

Founding and Early History

Santa Isabel was officially founded on October 5, 1842. The town's foundation is credited to Governor Santiago Méndez Vigo, who established Santa Isabel as an independent municipality. Before its official foundation, the area was known for its fertile lands, making it an ideal location for agriculture, particularly sugar cane, which became the backbone of the town's economy in its early years.

The town was named in honor of Saint Isabel of Hungary, a medieval queen renowned for her piety and charitable works. The legacy of this saint is reflected in the town's deep-rooted Catholic traditions and the reverence with which its patron saint is celebrated each year.

The Founder: Governor Santiago Méndez Vigo

Governor Santiago Méndez Vigo, the town's founder, was instrumental in shaping the early history of Santa Isabel. Under his leadership, the town was organized, and a local government was established, paving the way for the development of essential infrastructure. Governor Méndez Vigo’s vision for Santa Isabel was one of prosperity through agriculture, and he encouraged the cultivation of sugar cane, which became the town's primary industry for many decades.

Town Colors

The official colors of Santa Isabel are green and white. These colors are deeply symbolic, with green representing the town’s lush agricultural heritage and the natural beauty that surrounds it, while white symbolizes peace and the purity of the community's spirit. These colors are proudly displayed during town festivals, sporting events, and other community gatherings, fostering a sense of unity and pride among the residents.

Sites of Interest

Iglesia Santiago ApóstolSanta Isabel is home to several sites of interest that reflect its rich history and cultural heritage. One of the most notable landmarks is the Ruinas de Jauca, the remains of an old sugar mill that serves as a reminder of the town’s sugar cane industry, which was once the lifeblood of the local economy. The ruins are a popular spot for history enthusiasts and photographers, offering a glimpse into the town’s past.

Another site of interest is the Parque de la Reina, a beautiful park located in the heart of the town. The park is named in honor of Queen Isabel of Hungary and serves as a central gathering place for residents and visitors alike. It’s a perfect spot for a leisurely stroll or to relax and enjoy the town's peaceful ambiance.

For nature lovers, the Jauca Beach is a must-visit. This secluded beach offers pristine sands and clear waters, making it an ideal spot for swimming, sunbathing, and enjoying the natural beauty of Puerto Rico’s southern coast. The beach is also a great place to experience local marine life, with opportunities for snorkeling and diving.

Conclusion

Santa Isabel is a town where history, culture, and natural beauty come together to create a unique and welcoming atmosphere. Whether you're exploring its historical sites, enjoying the tranquility of its parks and beaches, or participating in its vibrant cultural traditions, Santa Isabel offers a rich experience that captures the essence of Puerto Rican life. This hidden gem of the south is not just a place to visit but a community to be experienced and cherished.

Saturday, September 21, 2024

PRIDCO | Puerto Rico Industrial Development Company

 

Why Puerto Rico?

Puerto Rico is the ideal location for businesses to launch new products and services. For decades, Puerto Rico has been the cradle and model of economic development in the region. Today, as part of the island's transformation efforts, the Puerto Rico Industrial Development Company (PRIDCO) alongside the Department of Economic Development and Commerce (DDEC) are joining forces to strengthen the island through a business ecosystem of worldwide category.

Puerto Rico is an ideal investment destination where economic innovations, pioneering incentive programs, world-class bilingual human capital, and strategic global positioning converge with a better way of life.

Whether in life sciences, aerospace, export services, information technology, or manufacturing, Fortune 500 organizations have discovered the bottom-line benefits of doing business in Puerto Rico, while still enjoying all the comforts and security of doing business in the US. With a wide array of competitive advantages and one of the most competitive tax incentive programs in the world, Puerto Rico is a smart business move.

Who We Are

Puerto Rico Industrial Development Company (PRIDCO) is the largest and most complete industrial and commercial real estate company in Puerto Rico. The PRIDCO property catalog provides an ideal place to start or expand your business.

Having the ideal space for your business provides an array of alternatives and allows you to make better decisions regarding its growth and success. Our main priority is to optimize profitable units and improve operational efficiencies, to become the most productive real estate manager in the Government of Puerto Rico.

We are here to promote the industrial and economic development of Puerto Rico, by offering an attractive real estate portfolio that facilitates the establishment and expansion of local and foreign multi-sector companies in a variety of industries, including manufacturing, information technology, and other emerging industries. These efforts will result in an effective strategy to boost the economic development of our island.

Our Services

PRIDCO has a large inventory of industrial properties in Puerto Rico, with more than 1,500 properties strategically distributed throughout the island. Our portfolio includes industrial buildings, lots, and raw land. Your company can benefit from these properties through a rental contract, or, in some strategic cases, through sale.

Our buildings can accommodate a variety of uses from light to specialized manufacturing, research, and development, distribution centers, warehouse, or even light industrial activities.

Phone
(787) 758-4747
Ext. 3170, 3155 or 3158

Email
properties@pridco.pr.gov

Address
355 F.D. Roosevelt Avenue
San Juan, 00918

Website: https://www.pridco.pr.gov/

Friday, September 20, 2024

Springfield Puerto Rican Parade

 

34th Annual Springfield Puerto Rican Parade
Sunday, September 15, 2024 starting at 11AM!

Mission

The Springfield Puerto Rican Parade's mission is to uplift and empower the community by celebrating Puerto Rican culture, challenging stereotypes, preserving heritage, providing a sanctuary for cultural expression, representing the island, and leaving a lasting legacy.

Vision

The Springfield Puerto Rican Parade envisions a world where Puerto Rican heritage is recognized and celebrated for its unique contributions to society. We aspire to be a leader in promoting cultural awareness, unity, and empowerment within the Puerto Rican community and beyond. Our goal is to create a legacy of inclusiveness and cultural pride that will continue to inspire future generations.

BE A VOLUNTEER!

The Springfield Puerto Rican Parade Committee is seeking volunteers for parade day on Sunday, September 15, 2024, and take part in the fun and festivities! Honor the rich history and culture of the parade and give back to the community.​

If you're interested in volunteering your time on parade day. Click on the link below to fill out and submit the volunteer registration form.

All volunteers are required to attend the mandatory volunteer orientation (date, time and location are TBD).​

   

https://www.springfieldprparade.com/

Thursday, September 19, 2024

Puerto Rico Civic Club

 Founded in 1951 by San Jose Puerto Ricans who wanted to share their culture with the South Bay communities.  A 501(c)3 social club open to anyone that wants to learn about and enjoy the Puerto Rican culture.

In 2016 we were able to make San Jose History Park our monthly gathering place. Our club is open to helping our communities and brings awareness to day to day issues that surround our families. As well as we have hosted a number of activities throughout the year.

We are also a sister club to the Western Region Puerto Rican Council - WRPRC. An organization dedicated to raising funds for students needing financial assistance to continue their college education WRPRC host an annual fundraising event, Salsa Festival "El Dia de San Juan". These funds are used towards tuition, school supplies, and living expenses.  CCPR is proud to be a part of the WRPRC in helping our future reach their highest levels of education. Please visit WRPRC.org to learn more about their scholarship details.  Click on the CCPR Scholarship application tab to learn more our CCPR Scholarship. CCRP Scholarship is open to all cultures.

We welcome and encourage our youth to take part in activities and leadership roles by offering to assist with the Board and the annual activities that the club host.

Some of our goals for 2017 are to bring educational and work resources to our members. If you are an outreach, educational, or cultural organization that would like to share with our group we welcome you to contact our board to arrange to present to our members.

Want to learn more about our club, come out and visit us at our next meeting. Want to become a member, go to our Membership tab to learn more and to fill out an application.

Send correspondence to:
Puerto Rican Civic Club
​P.O. Box 765 San Jose, CA 95106

Email us at: puertoricancivicclub@gmail.com
Call us: (719) 237-9155 or (408) 230-5340

We hope to see you at our next Puerto Rican family gathering.

For More Information check out our website

Follow Us on Facebook

Wednesday, September 18, 2024

Boosting Your Real Estate Investments with Expert Strategies

 real estate investments

Key Takeaways

  • Understand the importance of market research in real estate investments.
  • Learn strategies to maximize rental income and property value.
  • Discover how to diversify your property portfolio effectively.
  • Gain insights on risk management and legal considerations in real estate.

Table of Contents

  1. The Foundation of Market Research
  2. Maximizing Rental Income and Property Value
  3. Effective Portfolio Diversification
  4. Risk Management Strategies
  5. Legal Considerations in Real Estate
  6. Conclusion

The Foundation of Market Research

Conducting thorough market research is crucial for successful real estate investments. Investors can make informed decisions by understanding market trends, demographics, and the local economy. According to Forbes, staying updated with the latest market developments can significantly boost investment returns.

For instance, knowing the latest trends in the housing market can help identify lucrative opportunities. Their local expertise can guide investors through complex market dynamics, unveiling potential high-yield investments that might be overlooked.

Maximizing Rental Income and Property Value

Implementing effective strategies to increase rental income and enhance property value is essential. Partnering with a knowledgeable professional, such as Michigan City IN real estate agent Jordan Gallas, can provide invaluable insights and help navigate the intricacies of real estate investments. Simple upgrades, maintaining excellent tenant relations, and leveraging tax benefits can make a significant difference. Insights from Investopedia highlight the benefits of regular property improvements and strategic pricing.

Enhancing Property Appeal

One effective way to maximize rental income and property value is by enhancing the property's appeal. This can include renovating kitchens and bathrooms, adding modern amenities, and ensuring the property is well-maintained. Properties that are visually appealing and well-kept attract higher rents and more reliable tenants. Simple renovations and updates, such as fresh paint, new fixtures, and upgraded appliances, can significantly increase a property's attractiveness and rental value.

Optimizing Rental Rates

Setting competitive rental rates while ensuring profitability is critical. Regularly reviewing and adjusting rental prices based on market trends can help maximize rental income. Additionally, offering lease renewal incentives can encourage long-term tenancy, thus reducing vacancy rates. It's also beneficial to research comparable properties in the area to ensure your rates align with the market, attracting potential tenants while ensuring maximum occupancy.

Effective Portfolio Diversification

Diversifying your real estate portfolio helps spread risk and improve overall returns. This involves investing in different property types and locations. According to an Investopedia article, a balanced approach to diversification can safeguard against market volatility by not putting all your capital into one kind of investment.

Real estate investments can be diversified in many ways, such as by purchasing residential properties, commercial spaces, vacation rentals, or even undeveloped land. Each type of real estate has its advantages and challenges, which can create a balanced and more resilient portfolio. For example, while residential properties may offer consistent rental income, commercial spaces can provide higher yields during economic booms. Similarly, vacation rentals generate significant seasonal income, whereas land investments may appreciate over time, offering capital growth potential.

Risk Management Strategies

Managing risks effectively is part and parcel of real estate investments. This includes understanding local laws, preparing for market downturns, and having adequate insurance. Proper risk management ensures long-term sustainability and profitability.

Understanding Local Laws

Being well-versed in local real estate laws and regulations is crucial. This knowledge helps investors avoid legal pitfalls and ensures compliance with zoning laws, property codes, and tenant rights. It also aids in navigating any disputes that may arise. Staying informed about ongoing legislative changes can help preemptively address potential legal issues and adjust investment strategies accordingly.

Preparing for Market Downturns

Market conditions can change rapidly. A contingency plan and maintaining a financial cushion can help investors weather downturns without significant losses. Diversifying investments across different markets can also mitigate the impact of local economic slumps. Regularly reviewing and adjusting investment strategies to align with economic forecasts ensures that your portfolio remains resilient even during adverse market conditions.

Adequate Insurance Coverage

Insurance is a vital component of risk management in real estate. Comprehensive coverage protects investments from unforeseen events such as natural disasters, accidents, or tenant issues. Regularly reviewing and updating insurance policies ensures that your coverage remains adequate. It's prudent to assess different insurance providers and choose policies comprehensively covering various risks, ensuring your investments are safeguarded against all eventualities.

Legal Considerations in Real Estate

Being aware of the legal aspects of real estate is fundamental for investors. This encompasses zoning laws, contract management, and tenant rights. Knowledge of these legalities helps in avoiding potential pitfalls and ensures smoother transactions.

Understanding Zoning Laws

Zoning laws dictate how properties can be used. Whether investing in residential, commercial, or industrial real estate, understanding these laws is essential. Violations can result in fines, legal disputes, or even mandatory changes to property usage. Staying informed about zoning regulations in prospective areas avoids legal issues and can uncover hidden investment opportunities in regions poised for re-zoning or development.

Contract Management

Every real estate transaction involves contracts. Properly managing these contracts, including lease agreements, purchase agreements, and financing documents, is critical. Clear and legally sound contracts protect the interests of all parties involved and reduce the risk of disputes. Utilizing legal expertise to draft and review contracts ensures that they are comprehensive, fair, and in line with current laws and regulations, thereby averting potential conflicts.

Tenant Rights

Understanding tenant rights is vital for maintaining good landlord-tenant relationships. This includes knowledge of eviction laws, maintenance responsibilities, and fair housing regulations. Respecting tenant rights ensures compliance and enhances the overall investment experience. Establishing transparent communication channels and regularly updating tenants about their rights and responsibilities fosters a positive tenant-landlord relationship, promoting long-term tenancy and satisfaction.

Conclusion

Successful real estate investment requires diligent research, strategic planning, and effective risk management. By adopting these expert strategies, investors can enhance their portfolios and achieve sustainable growth. Always stay informed and adaptable to the ever-changing market dynamics. Embracing the nuances of the real estate market, continually educating oneself about emerging trends, and leveraging professional expertise ensures long-term success and profitability in real estate investment.

Tuesday, September 17, 2024

Festival de la Pana

 

Hoy comienza nuestro tercer día de festival
A las 10:00am arrancamos con nuestro Certamen de Platos Confeccionados con Pana
A la 1:00pm - La exhibición de Caballos de Paso Fino Puro Puertorriqueño
A las 2:00pm - Nuestro famoso Concurso de Trovadores
Te esperamos en el Trigésimo Sexto Festival de la Pana
Loma de la Niña Mariana-Luz A. Vega Rodríguez

Utilizing Home Equity For Debt Consolidation

 

If you're struggling with high-interest debt, such as credit card balances, consolidating that debt into a lower monthly payment can be a game-changer for your financial health. One effective way to do this is by tapping into your home equity. A home equity loan or a home equity line of credit (HELOC), often referred to as a second mortgage, can help you consolidate your debt at a lower interest rate, making it easier to manage your payments and potentially save money in the long run.

While interest rates for home equity loans and HELOCs have been rising, they still remain significantly cheaper than the rates on most credit cards. But before jumping into this option, it's important to carefully consider if it aligns with your financial goals. For those in more challenging financial situations, exploring options like debt resolution might also be worth considering. Here’s what you need to know to determine if using home equity for debt consolidation is the right move for you.

Understanding Home Equity Loans and HELOCs

1. What Is a Home Equity Loan?

A home equity loan allows you to borrow a lump sum of money based on the equity you’ve built up in your home. Equity is the difference between your home's current market value and the remaining balance on your mortgage. With a home equity loan, you receive the money upfront and then repay it over a fixed term, usually at a fixed interest rate. This option can provide predictability with your monthly payments and is often used for large expenses, such as home renovations or debt consolidation.

2. What Is a HELOC?

A HELOC, or home equity line of credit, works more like a credit card. Instead of receiving a lump sum, you’re approved for a maximum amount of credit that you can draw from as needed. The interest rate on a HELOC is usually variable, which means it can fluctuate over time. This type of loan offers flexibility, as you can borrow only what you need, when you need it, and you’re only required to pay interest on the amount you’ve borrowed during the draw period.

Why Consider Home Equity for Debt Consolidation?

1. Lower Interest Rates

One of the biggest advantages of using a home equity loan or HELOC for debt consolidation is the lower interest rate compared to other forms of debt, like credit cards. Credit cards often come with interest rates of 15% to 25% or higher, whereas home equity loans typically offer rates in the single digits, even with recent increases. This lower rate can translate to substantial savings on interest over time.

2. Simplified Payments

Consolidating multiple debts into one home equity loan or HELOC can simplify your finances by reducing the number of monthly payments you have to manage. Instead of juggling several bills with different due dates, interest rates, and minimum payments, you can make a single, more manageable payment each month.

3. Potential Tax Benefits

In some cases, the interest paid on a home equity loan or HELOC may be tax-deductible, particularly if the funds are used to improve your home. However, the rules around deductibility can be complex, so it’s important to consult with a tax advisor to determine if you qualify for this benefit.

Things to Consider Before Using Home Equity for Debt Consolidation

1. Risk of Losing Your Home

The most significant risk of using your home equity for debt consolidation is that your home serves as collateral for the loan. This means that if you’re unable to make the payments, you could potentially lose your home to foreclosure. It’s crucial to ensure that you’re in a stable financial position and that you can comfortably manage the new loan payments before proceeding.

2. Variable Interest Rates with HELOCs

While a HELOC offers flexibility, it also comes with variable interest rates, which can increase over time. If interest rates rise significantly, your monthly payments could become more expensive, potentially straining your budget. If you’re considering a HELOC, it’s important to plan for this possibility and ensure you can handle higher payments if they occur.

3. Costs and Fees

Taking out a home equity loan or HELOC isn’t free. There are often closing costs, appraisal fees, and other expenses associated with securing the loan. These costs can add up, so it’s essential to factor them into your decision. Additionally, if you plan to sell your home in the near future, you’ll need to pay off the loan in full, which could impact your selling strategy.

Is a Home Equity Loan or HELOC Right for You?

To determine whether using a home equity loan or HELOC for debt consolidation is the right choice for you, start by assessing your current financial situation. Here are some key questions to consider:

  • Can You Afford the Payments? Make sure you can comfortably afford the monthly payments on the home equity loan or HELOC, even if interest rates rise.
  • How Stable Is Your Income? If your income is unstable, or if you’re facing potential job loss, taking on additional debt secured by your home could be risky.
  • What Are Your Long-Term Financial Goals? Consider how this loan fits into your broader financial goals. Will it help you get out of debt faster and more affordably, or could it potentially put your home at risk?

If you’re confident that you can manage the payments and that consolidating your debt will help you achieve your financial goals, a home equity loan or HELOC can be an effective tool for debt consolidation. However, if you’re unsure or if your financial situation is more precarious, it may be worth exploring other options, such as Debt Resolution programs, which can help you manage or reduce your debt without putting your home at risk.

Conclusion: Make an Informed Decision

Using home equity for debt consolidation can offer significant benefits, including lower interest rates, simplified payments, and potential tax advantages. However, it also comes with risks, particularly the potential of losing your home if you’re unable to make the payments.

Before making a decision, carefully consider your financial situation, weigh the pros and cons, and explore all your options. If you decide that a home equity loan or HELOC is the right move, be sure to shop around for the best rates and terms, and consult with a financial advisor to ensure it aligns with your long-term goals.

Monday, September 16, 2024

Bacalao Con Vianda

 bacalao con vianda

If you’ve ever visited Puerto Rico or had the pleasure of sharing a meal with a Puerto Rican family, chances are you’ve encountered this dish. Bacalao con Vianda is a staple in many homes, often enjoyed during Lent but cherished all year round. The combination of the tender, salty bacalao with the earthy viandas creates a perfect balance that’s sure to satisfy your taste buds.

So, let’s get cooking!


Ingredients

For the Bacalao:

  • 1 lb salted codfish (bacalao)
  • 1 medium onion, thinly sliced
  • 1 bell pepper, thinly sliced (any color you prefer)
  • 2 cloves garlic, minced
  • 1/4 cup olive oil
  • 1/4 cup tomato sauce
  • 1 tablespoon vinegar
  • 1 tablespoon capers (optional)
  • 1/4 cup sliced olives (optional)
  • Fresh cilantro, chopped (for garnish)

For the Viandas:

  • 1 lb yuca (cassava), peeled and cut into chunks
  • 1 lb yautía (taro root), peeled and cut into chunks
  • 2 green bananas, peeled and cut into chunks
  • 1 lb malanga (similar to taro), peeled and cut into chunks
  • Salt to taste

Instructions

Preparing the Bacalao

  1. Desalt the Bacalao: Start by desalting the salted codfish. Rinse the bacalao under cold water to remove excess salt. Then, place it in a large bowl of water and let it soak for at least 4 hours, changing the water every hour. For best results, soak overnight in the refrigerator.
  2. Boil the Bacalao: After soaking, drain the water and place the bacalao in a pot with fresh water. Bring it to a boil and cook for about 10 minutes. Drain and let it cool slightly. Once cooled, flake the bacalao into bite-sized pieces, removing any bones or skin.
  3. Cook the Bacalao: In a large skillet, heat the olive oil over medium heat. Add the sliced onions, bell peppers, and garlic. Sauté until the onions are translucent and the peppers have softened.
  4. Add Flavors: Stir in the tomato sauce, vinegar, capers, and olives. Cook for another 5 minutes, allowing the flavors to meld together.
  5. Combine and Simmer: Add the flaked bacalao to the skillet, stirring gently to combine. Reduce the heat to low and let it simmer for about 10 minutes, stirring occasionally. Taste and adjust seasoning as needed.
  6. Garnish: Sprinkle chopped cilantro on top for a fresh burst of flavor.

Preparing the Viandas

  1. Boil the Viandas: Fill a large pot with water and add a generous amount of salt. Bring it to a boil, then add the yuca, yautía, green bananas, and malanga. Cook until the viandas are tender, about 20-30 minutes. They should be easily pierced with a fork but not falling apart.
  2. Drain and Serve: Once cooked, drain the viandas and set them on a serving platter.

Serving

To serve, place a portion of the boiled viandas on a plate and top with a generous helping of bacalao. This dish is traditionally enjoyed with a drizzle of olive oil over the viandas and a side of avocado or a simple salad. The combination of the tender viandas and the savory bacalao is a match made in heaven!


Tips and Variations

  • Adding Vegetables: Some people like to add root vegetables like potatoes or squash to the viandas mix. Feel free to get creative!
  • Spice It Up: If you enjoy a bit of heat, add some sliced jalapeños or a dash of hot sauce to the bacalao mixture.
  • Make It a Stew: For a more brothy version, add some fish or vegetable stock to the bacalao mixture and simmer until it thickens slightly.

Final Thoughts

Bacalao con Vianda is more than just a meal; it’s a taste of Puerto Rican tradition and culture. Whether you’re sharing it with family or savoring it on your own, this dish is sure to bring comfort and satisfaction. I hope this recipe brings a little bit of Puerto Rico to your kitchen.

Seven Strategies to Save for Retirement and College at the Same Time

 

Here are 7 strategies to save for retirement and college at the same time

(BPT) - Saving for the future is a top financial priority for most people. If you have children, then saving for their college education may also be an important goal for you. Or, you may want to pursue an advanced degree yourself.

Putting away money to afford both retirement and higher education can be quite expensive. Many families face the challenge of balancing retirement and college savings.

Fortunately, you don’t have to make a choice between them. There are several smart strategies that can help you strike the right balance.

Start saving money early. The earlier you begin saving for both retirement and college, the easier it will feel to reach your goals.

Set clear savings priorities. Determine how much you can comfortably save for each goal. Your retirement generally should take precedence over savings for education expenses. Remember: Loans are available for college but not for retirement.t and higher education can be quite expensive. Many families face the challenge of balancing retirement and college savings.

Make use of tax-advantaged accounts. Maximize contributions to qualified retirement accounts such as 401(k)s and IRAs. For education expenses, consider 529 plans or other college savings accounts, which can offer tax benefits in some states.

Automate regular savings deposits. Set up automatic contributions to both retirement and college savings accounts. You could set up direct deposits or 401(k)/TSP contributions from your paycheck, or automatic account transfers, to make the process of saving easy and painless. This ensures consistency and discipline in your savings strategy.

Adjust your contributions over time. As your financial situation evolves, revisit your savings plans. You might decide to change how much money you’re setting aside. Windfalls, pay raises or savings from reducing expenses can be opportunities to save more money toward your goals.

Involve others in education savings. Teach your children about the value of money by involving them in the college savings process. Encourage them to contribute a percentage of their part-time earnings or gift money to their accounts. This can help them appreciate what it takes to go to college. Additionally, let family members know you’ve set up a 529 plan and encourage them to contribute to it.

Explore financial assistance options. Look into scholarship opportunities, grants and financial aid options to reduce college costs. On the retirement side, see if your employer offers a matching contribution for qualified retirement accounts. An employer match can give a significant boost to your retirement savings.

By carefully planning, setting priorities and using tax-advantaged savings accounts, you can set aside money for your retirement and college education goals. And be sure to check out how Navy Federal Credit Union can help, with options to save for retirement and college.

Navy Federal is federally insured by NCUA.

Saturday, September 14, 2024

Ed Morales | Author Journalist Professor

 Ed Morales is an author and journalist who has written for The NationThe New York TimesThe Washington Post, Rolling Stone, and the Guardian. He was staff writer at The Village Voice and columnist at Newsday. He is the author of Fantasy Island: Colonialism, Exploitation, and the Betrayal of Puerto Rico (Bold Type Books), Latinx: The New Force in Politics and Culture (Verso Books 2018), The Latin Beat (Da Capo Press 2003) and Living in Spanglish (St. Martins 2002). In 2019 Latinx was shortlisted for the Nayef Al-Rodhan Prize for Global Cultural Understanding by the British Academy in London. In 2009, while a Columbia University Revson Fellow, Morales wrote and directed Whose Barrio? (2009) an award-winning documentary about the gentrification of East Harlem. The film was inspired by “Spanish Harlem on His Mind,” an essay published in The Best of the City Section of the New York Times (NYU Press 2005). Morales is also a 2022-23 Mellon Bridging the Divides Fellow at the Center for Puerto Rican Studies in New York.

Selected Works


Fantasy Island: Colonialism, Exploitation, and the Betrayal of Puerto Rico

A crucial, clear-eyed accounting of Puerto Rico's 122 years as a colony of the US.
Since its acquisition by the US in 1898, Puerto Rico has served as a testing ground for the most aggressive and exploitative US economic, political, and social policies. The devastation that ensued finally grew impossible to ignore in 2017, in the wake of Hurricane María, as the physical destruction compounded the infrastructure collapse and trauma inflicted by the debt crisis. In Fantasy Island, Ed Morales traces how, over the years, Puerto Rico has served as a colonial satellite, a Cold War Caribbean showcase, a dumping ground for US manufactured goods, and a corporate tax shelter. He also shows how it has become a blank canvas for mercenary experiments in disaster capitalism on the frontlines of climate change, hamstrung by internal political corruption and the US federal government's prioritization of outside financial interests.

Latinx: The New Force in American Politics and Culture

An “erudite, comprehensive” analysis of Latinx identity in the United States as it relates to American culture, society, and politics (Eduardo Bonilla-Silva, author of Racism Without Racists)

“Latinx” (pronounced “La-teen-ex”) is the gender-neutral term that covers one of the largest and fastest growing minorities in the United States, accounting for 17 percent of the country. Over 58 million Americans belong to the category, including a sizable part of the country’s working class, both foreign and native-born. Their political empowerment is altering the balance of forces in a growing number of states. And yet Latinx barely figure in America’s ongoing conversation about race and ethnicity. Remarkably, the US census does not even have a racial category for “Latino.”


Living in Spanglish: The Search for Latino Identity in America

Chicano. Cubano. Pachuco. Nuyorican. Puerto Rican. Boricua. Quisqueya. Tejano.

To be Latino in the United States in the twentieth and twenty-first centuries has meant to fierce identification with roots, with forbears, with the language, art and food your people came here with. America is a patchwork of Hispanic sensibilities-from Puerto Rican nationalists in New York to more newly arrived Mexicans in the Rio Grande valley-that has so far resisted homogenization while managing to absorb much of the mainstream culture.

For More Information on Ed Morales, his career and additional work please visit EdMorales.net

High-ROI Home Projects | Family Features

 

(Family Features) Whether you're looking to add value for potential sale or simply create a more comfortable living space, now is the perfect time to breathe new life into your home with projects that provide a high return on investment (ROI).

Consider these top home renovation projects from the experts at Westlake Royal Building Products - a leader in innovation, design and production of exterior and interior building products including siding, trim, mouldings, roofing, stone, windows, outdoor living and more - based on the 2024 Cost vs. Value Report from "Remodeling Magazine."

Remodel the Kitchen and Bathroom

The average seller can expect an 96.1% return on a light touch to the kitchen, according to the report, and 73.7% on a modest bathroom renovation. Because personal preferences can vary widely among buyers, minor upgrades can provide a higher ROI than large, upscale remodels. A few easy ways to refresh your kitchen or bathroom include updating shelving or adding new hardware. Decorative trim and mouldings are also cost-effective ways to add visual interest.

Upgrade With Stone Veneer

As natural and textured home trends continue, homeowners are gravitating toward stone veneer, or manufactured stone, as it can replicate the look of real stone, adding comfort, character and beauty to homes. An option like Versetta Stone from Westlake Royal Building Products offers the authentic, handcrafted look of stone in a panelized format that's easy to install with nails and screws. There's also no need to paint, coat or seal once installed. Ideal for its ability to add texture and dimension throughout both home interior (accent walls and fireplaces) and exterior applications (siding, entryways and walkways), stone veneer - which comes with a 153.2% ROI - can influence mood, emotion and energy levels while serving as a focal point of your home's design.

Install New Windows

Depending on the harshness of winter in your area and the age of your home, you may notice certain windows have developed drafts, allowing cold air to enter and heat to escape. Replacing drafty or outdated windows with modern, energy-efficient models is one of the most effective ways to enhance your home's energy efficiency. Additionally, a vinyl window replacement brings approximately 67.1% ROI.

Replace Siding

In some cases, applying a fresh coat of paint is enough to refresh your home. However, if you're looking to enhance your home's curb appeal while making a long-term impact, consider installing new siding or replacing existing siding. Because vinyl siding serves as an additional layer of insulation, improving the energy efficiency of your heating and cooling systems, it offers a 80.2% ROI. Weather-resistant, low-maintenance siding like Celect Cellular Composite Siding, which is now available in on-trend colors including Imperial Red, a robust shade of red; Deep Pewter, a compellingly modern forest green; and Timberland, a rich, natural brown, won't warp, sag or buckle and is built to withstand even the harshest weather conditions. Its patented interlocking joints provide a seamless look and it's easy to install in small spaces, like along a knee or pony wall.

Update Decking

If you want to entertain guests outside, it's a perfect time to get your patio or deck ready. While a new coat of stain can update your existing deck's appearance and help protect it, now is also an ideal time to build a deck if your home doesn't currently have one. When choosing a decking material, cost and maintenance are two factors to consider. Composite decking offers a 68.2% ROI and is low maintenance as it's not susceptible to cracking, warping and weather damage.

Find more ideas to update your home at WestlakeRoyalBuildingProducts.com.
#17045
Source: Westlake Royal Building Products

Friday, September 13, 2024

The 2024 Ford Bronco: Retro Appeal and Modern Capability

 

The Ford Bronco has long been an icon in the world of off-road vehicles, revered for its ruggedness, versatility, and undeniable charisma. The 2024 Ford Bronco continues this legacy, blending classic styling cues with cutting-edge technology and performance features that make it a formidable contender in today’s competitive SUV market. In this review, we’ll take an in-depth look at what makes the 2024 Bronco stand out, from its design and performance to its technology and overall driving experience.

Exterior Design: A Nod to the Past with a Modern Twist

One of the most striking aspects of the 2024 Ford Bronco is its design, which pays homage to the original model from the 1960s while incorporating modern elements that make it feel contemporary. The boxy silhouette, round headlights, and prominent front grille are all reminiscent of the classic Bronco, yet the vehicle’s overall aesthetic is undeniably modern.

The Bronco’s exterior is available in a variety of colors, including some bold options like Cyber Orange and Area 51, which allow owners to express their personality. The vehicle’s modular design is another key feature, with removable doors and roof panels that make it easy to transition from a closed SUV to an open-air adventure vehicle. This flexibility is a major selling point for outdoor enthusiasts who want a vehicle that can adapt to different environments and conditions.

Interior: Rugged Yet Refined

Inside, the 2024 Bronco strikes a balance between rugged functionality and modern comfort. The interior is designed to be durable, with materials that can withstand the wear and tear of off-road adventures, yet it doesn’t sacrifice on comfort or style. The cabin is spacious, with ample room for passengers and cargo, making it a practical choice for both everyday driving and longer trips.

The Bronco is available in a variety of trims, each offering different levels of luxury and technology. Higher trims feature premium materials like leather upholstery and advanced infotainment systems, while the base models are more utilitarian, with durable cloth seats and a focus on practicality. Regardless of the trim, the Bronco’s interior is designed to be easy to clean, with features like rubberized flooring and drain plugs that make it simple to wash out dirt and mud after a day on the trails.

Performance: Built for Adventure

When it comes to performance, the 2024 Ford Bronco does not disappoint. It is built to handle a wide range of terrains, from rocky trails to sandy deserts, thanks to its robust off-road capabilities. The Bronco is available with two engine options: a 2.3-liter turbocharged four-cylinder engine that produces 300 horsepower and 325 lb-ft of torque, and a 2.7-liter turbocharged V6 that delivers 330 horsepower and 415 lb-ft of torque. Both engines are paired with a 10-speed automatic transmission, although a 7-speed manual transmission is also available for those who prefer a more hands-on driving experience.

The Bronco’s off-road prowess is further enhanced by features like the G.O.A.T. (Goes Over Any Terrain) Modes, which allow drivers to select different driving modes depending on the terrain they’re tackling. These modes adjust the vehicle’s throttle response, transmission shift points, and traction control settings to optimize performance in a variety of conditions. The Bronco also comes with advanced off-road technology like the available Sasquatch Package, which includes 35-inch tires, locking front and rear differentials, and a high-clearance suspension system that make it even more capable in challenging environments.

Technology: High-Tech Meets High Adventure

While the 2024 Bronco is undeniably rugged, it also comes equipped with a range of modern technology features that enhance both its off-road capabilities and everyday usability. The vehicle’s infotainment system is powered by Ford’s latest SYNC 4 platform, which includes a large touchscreen display, Apple CarPlay and Android Auto compatibility, and a range of available connected services. Higher trims offer additional tech features like a premium sound system, wireless charging, and a 360-degree camera system that provides a bird’s-eye view of the vehicle, making it easier to navigate tight trails and parking spaces.

The Bronco also includes a suite of driver-assistance features, such as adaptive cruise control, lane-keeping assist, and automatic emergency braking. These features add an extra layer of safety and convenience, making the Bronco a practical choice for everyday driving as well as off-road adventures.

Driving Experience: Confidence on and Off the Road

On the road, the 2024 Bronco delivers a comfortable and composed driving experience, with a suspension system that smooths out bumps and a steering system that provides good feedback. Despite its off-road focus, the Bronco is also well-suited to highway driving, with a quiet cabin and a stable ride.

Off-road, the Bronco truly comes into its own, with a capable chassis and advanced technology that make it easy to tackle challenging terrain. The vehicle’s robust construction and high ground clearance give it the confidence to handle steep inclines, deep ruts, and other obstacles that would challenge lesser SUVs.

Conclusion: A True Off-Road Icon Reborn

The 2024 Ford Bronco successfully balances the nostalgia of its heritage with the demands of modern driving. Whether you’re an off-road enthusiast looking for a vehicle that can tackle any terrain, or simply someone who appreciates the Bronco’s iconic design and rugged appeal, the 2024 Bronco is a compelling choice. With its blend of retro styling, modern technology, and impressive off-road capabilities, the Bronco continues to live up to its legendary status, proving that this classic nameplate is as relevant as ever.

Thursday, September 12, 2024

Puerto Rican Parade of Newark New Jersey

 

Puerto Rican Day Parade presents:
63rd Puerto Rican Parade & Boricua Festival

Sunday, September 15, 2024
the Newark PRDP will celebrate 63 years
of showcasing the best of Puerto Rico culture
with music, dance and colorful display of cultural pride.

Groups interested in participating in the
Parade and Boricua Music Festival can apply online.

Our Mission

Our mission is to instill a sense of pride and self-worth in our Puerto Rican community through the exhibition of art, music, literature, education, and civic engagement. This year we celebrate the 63rd Anniversary Puerto Rican Day Parade of Newark, NJ. This year MARKS the 10th Anniversary of the revival of the parade.

Our Parade

We honor the Puerto Rican heritage by declaring every year the third Sunday of September as Puerto Rican Day in the City of Newark. We will host a parade on this day to demonstrate our pride and appreciation for our Puerto Rican heritage.

Our Impact

Over the past year, we have helped tens of thousands individuals in our community improve within our different outreach campaigns. From food pantries, health fairs, to anti-bullying marches and more.

The Newark Puerto Rican Day Parade, Inc. (PRDP) is the largest demonstration of cultural pride in the State of  New Jersey.  Now in its 61st year, the parade takes place Broadway/Avenida Puerto Rico to Lake Street along Bloomfield Avenue in Newark, NJ in honor of the millions of inhabitants of Puerto Rico and over 5 million people residing in the United States.

Reborn in 2015, our programs and events focus on promoting Culture, Arts and Education, with special tributes to prominent, historical figures and campaigns to raise awareness of important issues in the community.  We are also committed to advancing the pursuit of higher education, awarding scholarships to students of Puerto Rican descent.

Each year, PRDP hosts a variety of cultural, educational and social, events throughout the City of Newark, NJ leading up to the day of the Parade.  These include the Sip & Paint, Domino Tournament, Voice of Poets with a Taste of Comedy, Mother’s Day Brunch, Guayaberas and Cigars, Pageant, Gala Fundraiser Banquet, Flag Raising, Boricua Music Festival, Annual Parade.

   

Puerto Rican Day Parade, Inc. 501c3 Organization
201 Bloomfield Avenue, Newark, NJ 07104
973-277-3442

Las Cosas no Son Siempre lo Que Parecen: Cuidado con el Robo de Identidad

 

(BPT) - Los estafadores cambian constantemente de tácticas para robar su información personal identificable (PII, por sus siglas en inglés), como los nombres de usuario y contraseñas de cuentas, números de Seguro Social, fechas de nacimiento, números de tarjetas de crédito y débito, de identificación personal (PIN, por sus siglas en inglés) u otra información confidencial. Cuando la sustraen, pueden llevar a cabo delitos como el fraude financiero, que pueden resultarles a las víctimas un proceso difícil y frustrante de remediar.

El Servicio de Inspección Postal de los Estados Unidos está trabajando arduamente para impedir que estos estafadores se salgan con la suya. Usted también puede ayudar familiarizándose con las estafas de suplantación de identidad que se proponen, por medio de engaños, que usted proporcione su “ADN financiero” y les entregue su información personal identificable (PII) a los impostores.

1. Fraude electrónico (Phishing)

Si alguna vez recibe un mensaje por correo electrónico relacionado con la entrega de un paquete o cargos de envío en línea no pagados, generalmente con la línea de asunto “Notificación de entrega fallida”; tenga cuidado. Estos mensajes de phishing enviados aparentemente por el Servicio Postal de los Estados Unidos (USPS) son fraudulentos y no debe interactuar con ellos. Esos mensajes de phishing pueden contener una barra de dirección de navegador (URL) ficticia o falsificada para que la siga, o un archivo que, en caso de abrirse, puede activar un virus que resulta en el robo de su información personal.

¿Cómo puede saber si un mensaje de correo electrónico NO es proviene de USPS o del Servicio de Inspección Postal? Si el mensaje solicita una “acción inmediata”; tiene errores gramaticales y ortográficos; le pide que confirme la PII o solicita un pago de cualquier tipo, probablemente es phishing. Los funcionarios de USPS nunca se pondrán en contacto directo con los consumidores para pedirles un pago o la PII.

Si recibe un mensaje electrónico de phishing:

  • Trate su información personal como si fuera dinero en efectivo
  • No haga clic en ningún enlace (link)
  • Reenvíe correos electrónicos no solicitados relacionados con USPS a spam@uspis.gov
  • Denuncie los mensajes no solicitados que no sean de USPS a la Comisión Federal de Comercio
  • Borre el mensaje

2. Smishing

¿Ha recibido mensajes de texto no solicitados a su celular con un enlace web desconocido o extraño indicando una entrega de USPS que requiere su respuesta? Probablemente se trate de una estafa conocida como smishing. Este tipo de mensaje de texto engañoso insta a los destinatarios a proporcionar información personal o financiera. Con frecuencia, los estafadores intentan hacerse pasar por una agencia gubernamental, un banco u otra empresa para dar legitimidad a sus afirmaciones.

Incluso si se ha inscrito en el servicio de seguimiento de USPS, preste mucha atención al mensaje. El Servicio Postal nunca le pedirá PII en un mensaje de texto. Tampoco lo reorientará a otro sitio para el pago; ni le enviará un mensaje de texto, a menos que usted haya iniciado la solicitud.

Si recibe un mensaje de texto smishing supuestamente del Servicio Postal:

  • No haga clic en el enlace
  • No responda
  • Reenvíe el mensaje de texto al 7726 o envíe un mensaje a spam@uspis.gov
  • Denuncie el fraude que no sea de USPS a la Comisión Federal de Comercio
  • Borre el mensaje
  • Bloquee los mensajes “basura” (spam)
  • Revise su factura de teléfono celular para ver si hay cargos sospechosos
  • Mantenga actualizado su software de seguridad

3. Mensajes de voz fraudulentos (Vishing)

Es posible que haya disfrutado con “el juego del teléfono” en su juventud. Sin embargo, las llamadas de estafadores que intentan obtener su información personal no tienen nada de divertido. El vishing, nuevo giro del phishing, es algo que debe tener en cuenta. Vishing es la abreviatura de “phishing de voz”, y los estafadores intentarán engancharle tan pronto como conteste el teléfono.

A continuación, le explicamos cómo detectarlo.

Los estafadores llaman desde un número que puede parecerle conocido, o aparentar incluso ser de una fuente legítima como su banco o una agencia gubernamental. La persona que llama, sin embargo, es cualquier cosa menos legítima. Probablemente le comunique que hay una dificultad con su cuenta, o un problema que requiere su atención inmediata. Luego, los estafadores le pedirán información confidencial como números de Seguro Social, detalles de tarjetas de crédito o contraseñas.

Cómo protegerse del vishing:

  • Verificar la identidad de la persona que llama
  • Pregúntese por qué motivo esa persona le pide su información
  • Nunca proporcione información confidencial por teléfono
  • Denuncie la llamada al banco, agencia gubernamental o empresa por la que se hace pasar el estafador
  • Bloquee las llamadas basura (spam)
  • Solicite incluir su número en el Registro Nacional No Llame (DNC)

4. Quishing

Los códigos QR son increíblemente comunes en la actualidad. Es muy posible que los haya visto en carteles, menús de comida y pantallas de televisión. Pero tenga cuidado antes de escanearlos. Algunos códigos QR pueden ser una variante de phishing conocida como quishing.

Si recibe un mensaje proveniente de una dirección de correo electrónico o un mensaje de texto desconocidos, o encuentra un cartel en un lugar con mucho tráfico, no lo escanee. Si lo hace, el código QR podría llevarlo al sitio web de un estafador (que puede parecer legítimo), pero está concebido para sustraerle su PII.

Si encuentra o recibe un código QR sospechoso:

  • No lo escanee, especialmente si el mensaje o cartel le insta a actuar de inmediato
  • Denuncie el código QR al banco, agencia gubernamental o empresa por la que se hace pasar el estafador
  • Bloquee los mensajes fraudulentos

¡Manténgase alerta!

Los estafadores siempre están a la caza de información confidencial. Protéjase a sí mismo y a los demás teniendo precaución y reportando a las autoridades correspondientes los mensajes de correo electrónicos, mensajes de texto, llamadas, mensajes de voz y códigos QR sospechosos. Para obtener más información sobre cómo protegerse de la suplantación de identidad, visite el sitio web uspis.gov/identity-fraud-2024. También puede encontrar recursos adicionales de prevención de fraude en nuestro sitio web USPIS.gov.

Wednesday, September 11, 2024

la Lechonera El Rancho Original

 

Sobre Nosotros

En todo Puerto Rico no existe un mejor lugar para disfrutar de un ambiente ameno para el esparcimiento de toda la familia que la Lechonera El Rancho Original.

En las cercanías de Cayeyanas de Guavate y el Bosque de Carite, se encuentran ubicadas nuestras increíbles instalaciones, en donde podrás tener acceso a la gran cantidad de servicios especiales que tenemos para ofrecer.

Somos popularmente conocidos en toda la isla por disponer de un variado menú conformado por comida tradicional típica del área montuno boricua. Cabe destacar, que en El Rancho Original puedes disfrutar de una hermosa vista, ya que estamos felizmente ubicados al borde del riachuelo.

Además, ¡preparamos y servimos el lechón más delicioso que se puede encontrar en Puerto Rico!

En la Lechonera El Rancho Original somos más que un restaurante, ya que no solo contamos con la mejor comida, sino que además tenemos un gran salón con música bailable para todos nuestros clientes.

Cuando vayas de paso por la ruta 184 del centro de la isla, no dudes en visitarnos. Somos uno de los pocos lugares donde tendrás acceso a la mejor artesanía elaborada en nuestro país.

Carretera #184 Km. 27.5 Bo. Guavate Cayey, Puerto Rico
Teléfono: +1-787-747-7296
E-mail: elranchooriginal@live.com
Website: https://elranchooriginalpr.com/
Facebook: https://www.facebook.com/LechoneraElRanchoOriginal/

Tuesday, September 10, 2024

Guánica El Pueblo de las Doce Calles

 

Nestled along Puerto Rico's southwestern coast lies the picturesque town of Guánica. With its rich history, vibrant culture, and natural beauty, Guánica is a destination that captivates both locals and visitors alike. From its founding to its modern-day charm, Guánica offers a unique glimpse into the island's past and present.

Founding and Early History

Guánica, officially founded on March 13, 1914, boasts a history that predates its official establishment by centuries. The area was originally inhabited by the Taíno people, the indigenous population of Puerto Rico, who called the region "Guaynia," meaning "place of water." This name was fitting, as Guánica is located near a natural harbor that has been a crucial part of its identity.

The town's official founding in 1914 was spearheaded by Don Manuel Jiménez Méndez, who played a significant role in the town's early development. However, Guánica's importance in Puerto Rican history is often traced back to an earlier event in 1898 during the Spanish-American War. It was here, at Guánica Bay, that American troops landed, leading to Puerto Rico's eventual transfer from Spanish to American control.

Town Colors and Emblem

Guánica's town colors are green and white, symbolizing the lush landscapes and purity of its natural environment. These colors are prominently displayed during local festivals and events, reflecting the pride of Guánica's residents in their town's heritage and natural beauty.

Sites of Interest

 
GUANICA DRY FOREST

One of the most remarkable features of Guánica is the Guánica State Forest, also known as the Guánica Dry Forest. This UNESCO-designated biosphere reserve is one of the most extensive tropical dry coastal forests in the world, offering visitors a chance to explore diverse flora and fauna, unique trails, and stunning vistas of the Caribbean Sea. The forest is a haven for nature lovers and birdwatchers, with over 700 plant species and numerous bird species, including the endemic Puerto Rican nightjar.

For those interested in history, the Fuerte Caprón is a must-visit. This historic fort, built by the Spanish in the 19th century, offers panoramic views of the bay and surrounding areas. It played a strategic role during the Spanish-American War and now stands as a reminder of Guánica's historical significance.

Patron Saint and Local Catholic Church

The patron saint of Guánica is Saint James the Apostle (Santiago Apóstol). The town's main Catholic church, Parroquia San Antonio Abad, is a focal point of religious and cultural life in Guánica. The church, located in the town center, hosts various religious events and festivals, including the feast day of Saint James on July 25th. This celebration is marked by a vibrant mix of religious ceremonies, parades, music, and traditional dances, reflecting the deep-rooted faith and community spirit of the town's residents.

Modern-Day Guánica

Today, Guánica is a thriving town that balances its historical heritage with modern amenities. The town's economy is primarily based on agriculture, fishing, and tourism. The local cuisine, rich in fresh seafood and traditional Puerto Rican dishes, offers a delightful culinary experience for visitors.

The beautiful beaches of Guánica, such as Playa Santa and Gilligan's Island, are perfect for those seeking relaxation and water activities. Playa Santa, with its clear waters and soft sands, is a popular spot for swimming and sunbathing, while Gilligan's Island, a small mangrove island, is ideal for snorkeling and kayaking.

Conclusion

Guánica is more than just a town; it's a testament to Puerto Rico's rich history, cultural diversity, and natural beauty. Whether you're exploring the ancient trails of the Guánica Dry Forest, soaking in the sun on its pristine beaches, or delving into its historical sites, Guánica offers a unique and enriching experience. Its blend of past and present, nature and culture, makes it a must-visit destination for anyone traveling to Puerto Rico. So next time you find yourself on the island, be sure to take a detour to Guánica – a true gem on Puerto Rico's southwestern coast.



Monday, September 9, 2024

the Puerto Rican and Hispanic Day Parade of Western New York

 

22nd Annual Puerto Rican & Hispanic Day Parade of Western New York

Saturday August 17, 2024
Niagara Square Buffalo, NY

Parade Starts at 12 PM - Concert to Follow

Our Mission

To promote and celebrate our Puerto Rican and Hispanic traditions by planning events that will enrich our culture, and maintain its viability. To educate our youth today for future generations by faithfully engaging in the preservation of our heritage.