Hispanic Fanatic

A friend of mine once cut up her credit cards and closed her accounts because, she said, “those pieces of plastic are evil.”

I thought this was a bit overly dramatic (she was that type of person). I also thought it was convenient to blame her chronic debt on inanimate objects rather than, say, her nonexistent self-control and materialistic tendencies.

In any case, we all know people who live beyond their means, and it’s true that many individuals teeter on the edge of bankruptcy because of their shopping addictions or love of new shoes or willingness to fly first-class to Italy for the hell of it.

But a recent study has found that when it comes to Hispanics, living large is often not the reason for going into the red. The study found that almost half (43%) of Latinos who have credit card debt depend on the plastic to pay for basic living expenses. And a significant chunk of the rest are using credit cards for tiny splurges at best.

So if Latinos are not slapping down credit cards on impulse buys and charging luxury items, why are they in so much debt?

Well, Hispanics report that the main reason for their debt is the loss of a job, and they’re more likely than other groups to say that medical costs also contributed to their financial issues.

The researchers theorize that because Latinos lost so much of their wealth in the Great Recession, they’re having trouble restocking checking or savings accounts. So putting basic items or medical expenses on credit cards often seems to be the only option.

This, of course, sucks. But as is often the case, the survey also found that Latinos are more optimistic than the overall population. So they’re more confident about paying down their credit card debt quickly.

This optimism, which borders on delusion, leads to some interesting contradictions.

For example, another poll found that almost half of Latinos (49%) said they were worried that someone in their household might become unemployed soon. Yet the same survey found that almost three-quarters of Latinos (73%) are optimistic about their finances and future opportunities.

Frankly, that’s a bizarre balancing act of fear and hope.

But maybe these results just show that Latinos are still jumpy about their financial status, years after the economic meltdown. The Great Recession so ravaged Hispanic households that many Latinos are leery about declaring that the worst is over.

At the same time, Latinos tend to be more optimistic than other groups about their future. The main reason for this positivism seems to be the immigrant mindset. Many Hispanics remember struggling in their home countries, or they hear the harrowing tales of their parents. As such, these Latinos usually have more faith in the American system and a stronger belief that their financial situation will improve.

We should all really, really hope they’re right.

If I haven’t mentioned it in the last twenty minutes, I love living in California.

It’s not just the sunshine and great food and vibrant nightlife and pop-culture happenings and B-list celebrity sightings (although those are all entertaining). It’s that California is one of the most laidback and liberal states, and that tends to align with my personal philosophy — or at least those components of my personal philosophy that are not cribbed from a mishmash of Yoda quotes and baseball-as-life metaphors.

Now, through a weird and comical accident of geography, California shares a border with Arizona, which is not liberal or laidback or anything remotely West Coast cool. It is, of course, home to more than its fair share of right-wing nutjobs and xenophobic lunatics.

Both states have large Hispanic populations. And one recent development illustrates how different these neighboring states really are, and how they view their respective Latinos.

In California, a new law allows undocumented immigrants to apply for special driver’s licenses. Some Californians have griped about it, but for the most part, the law’s implementation has gone smoothly. And in a sign of forward thinking, car dealers are actively marketing to the new license holders. Many dealers report increased foot traffic on their lots, and they’re hoping for a sales boom due to the new law.

But in Arizona, a similar law hasn’t been as, shall we say, well received. In fact, it took a US Supreme Court decision to force Arizona to offer driver’s licenses to young immigrants, the Dreamers, who entered the country illegally as children. And while many Dreamers are happy to have the option, many others remain nervous about applying. Some Dreamers have seen family members deported after getting pulled over for routine traffic stops, and they’re having trouble letting go of their fear.

So in California, a law that passed with little controversy is poised to make a positive economic impact and make life easier for many people. Meanwhile, in Arizona, a similar law had to be argued all the way to the highest court in the land, at taxpayer expense, before going forward, only to encounter resistance from the people it was designed to help because they are terrorfied of the place they live in.

Yes, I think I chose my state wisely.

Not so long ago, life was easy for xenophobes. They could slander Latinos and immigrants simultaneously, because they were thought of as one and the same. Also, there weren’t that many Hispanics around, so one could spew within the comfort of an imposing majority.

Well, the Pew Research Center just made everything more difficult for the narrow-minded among us. The organization recently announced that the U.S.-born Latino population is growing at a faster rate than the immigrant population. This means that Hispanics are now more likely to be born and raised in America, as full-blooded American citizens.

This also means bigots will have to supplement their rants about undocumented immigrants with plain old racist tirades, thus doubling their effort.

At the very least, when told to “go back where you came from,” Latinos are likely to deflate the assertion with something like, “You mean, go back to Wisconsin?”

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Blame it on the amygdala.

This region of the brain, which plays a central role in processing fear and aggression, may be the source of one of the most insidious concepts to bedevil humankind: racism.

A recent study revealed that people’s amygdalas react differently when they see individuals who do not share their race. Furthermore, the “same circuits in the brain that allow us to see which ethnic group a person belongs to overlap with others that drive emotional decisions.”

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My mother never hit me.

In Latino culture, of course, mi madre was a bizarre anomaly. We can all conjure up the image of a furious Hispanic mother, beating her kids with chancletas for some minor infraction.

In fact, say the word, “chancleta” or “chancla” to a Latino, and he or she will probably think of the weapon, not the footwear. Their original purpose appears to be secondary.

Yes, it’s all very humorous, all those little ninos and ninas cowering as they get whapped repeatedly. Except that it’s really not funny at all.

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I once lived near a street lined with multimillion-dollar houses. I myself was crammed into a tiny apartment a few blocks away. What can I say — it was a socioeconomically schizophrenic neighborhood.

In any case, I was in a store near one of these mansions when I overheard the shop’s owner trying to calm down a woman on the phone. After hanging up, the store owner mentioned that the caller lived in one of the upscale houses. The caller was upset that so many people were parking near her mansion.

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