Like I’ve mentioned in a few of my previous posts, this pandemic has brought on a lot of changes for everyone– but there is variation in how COVID-19 has impacted different groups of people. The experience of racial and ethnic minorities during this pandemic has been very different from other groups and is reflective of health outcomes that often exist for minorities in the U.S.
COVID-19
In New York City, the death rates for Black/African American individuals is much higher due to the virus, than it is for other racial/ethnic groups (1). The chart below shows the disproportionality of the effects of COVID on the population of African American individuals in a few states. 
Compared to the total state population, the majority of patients affected by COVID are African American (2).
These disparities exist not only during this pandemic, but in healthcare in general:
Reasons for the Disparity
People who belong to racial or ethnic minority groups experience the health care system differently than others– many of the existing disparities in society lead to poorer health outcomes, as well as greater vulnerability to viruses and other illnesses. Many minority groups live in heavily populated areas or live in households with multiple generations, where social distancing might not be possible (1). Many work hourly, so health benefits are not part of the package and health services become difficult to access (2). There is also a much higher population of racial and ethnic minorities in jails, prisons, etc. which are again, places that increase the risk of spread of viruses and other illnesses (1).
Also, because of the social distancing measures that have to be taken because of the pandemic, there has been a decrease in quality of care for patients who don’t speak English (4). Before, interpreters/translators could be present in person during a patient’s visit, which makes it much easier to translate and understand the patient’s concerns and symptoms. Now, a lot of interpreters have to work over the phone and it’s possible that a lot of information is getting lost in translation because it’s just harder to have a conversation and understand each other that way.
While the pandemic has affected everyone in one way or another, it has not affected everyone equally. The social determinants of health that I talked about in my first blog, in addition to factors such as racism, geographic location, and poverty, play a large part in deciding how an individual is affected. Unfortunately, the same level and quality of healthcare are not available to every person. Moving towards a system that addresses these disparities and provides excellent health care to each patient will involve first resolving the inequalities that exist in health care delivery in general and access to healthier food, exercise, etc. Additionally, training healthcare providers to better understand cultural differences and barriers to care could improve health outcomes for minority groups (3).
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在一個時代在哪裡挑戰是貨幣越來越普遍，許多人結束債務重組不堪重負。持續還款的壓力，利率，不可預見的費用可以感覺就像負擔這當然是不可逾越。儘管如此，有希望。兩種策略 -那是有效的自願安排（IVA）和信用卡債務解決方案計劃（DRP） – 為可行的途徑提供對於個人試圖恢復控制他們的資金。
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algowiki.win/wiki/Post:ELoanLtd 。壓力處理大量付款可以感覺到體重這當然是沉重的肩膀，導致壓力和不確定性關於未來。值得慶幸的是，“一張卡重點”技術提供離開這當然是戰略性恢復您的經濟健康。本文將探索此方法那是有益解釋與如何合作財務專家可以增強您邁向貨幣穩定的旅程。
所以，是什麼“一張焦點”方法？簡單地說，這是關於零利用一項債務 – 通常是特定的高利息信用卡，而專注於你們所有首先要花費良好的努力。經過集中精力債務重組那是孤獨的您簡化了還款程序然後做它更可行。你得到了能量和靈感，可以推進有人去承擔額外的債務，並帶有新的自信當你意識到這一點穩定性降低。
與之互動財務專家可以提升繁榮與“一張焦點”方法。這些債務管理專業人員可以理解這些複雜性並可能提供量身定制的個性化技術你的獨特情況。如果您感到超
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在一個世界壓力在哪裡可以經濟意外出現，許多人努力應對債務重組。感覺不知所措是令人生畏的，然而消息這當然是好的有幾種途徑想要協助你去恢復您的立足點。本指南會為您提供清單三個重要的選擇 – 自願這當然是個人（IVA），債務減免計劃（DRP）和破產 -設計為提供救濟和通往貨幣恢復的道路。
一個人自願安排（IVA）只是正式，合法約束合同你和你的債權人。這個選擇使您能夠償還金額你欠以一種方式這當然是
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