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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經濟鬥爭會感到迷宮，有幾個在債務重組的複雜性中，人們失去了手段。在這種情況下，這很重要理解有有效的途徑這可以幫助您導航困難如果你發現自己。在本文中，我們打算探索三個關鍵選擇：個人自願計劃（IVA），債務和解產品（DRP）和破產。每個供應一個獨特的方式 管理債務並可能提出建議更多受保護的未來那是金融的。
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在一些有點兒陷阱的地方是到處都是財務，很多人結束束縛當你看著債務重組的複雜性。管理信貸的力量那是不同的貸款可能是令人生畏的，經常使人們經歷迷失和焦慮。幸運的是，“一張卡重點”策略提供了直接和路徑這當然是有效恢復控制財政。在本文中，我們將探索什麼此方法需要和確切的方法入伍協助財務專家可以提升您恢復債務的旅程。
所以，到底是什麼“一張紙牌重點”策略？此方法主要是關於集中你自己的時間和努力償還一個特殊的一次債務重組 – 通常是高利益金融卡以其核心。通過磨練有這個特定的單身的卡可以簡化您的還款過程並創建清晰前進的路。看著這種穩定性收縮可以提供一種動力和成就，使其更簡單管理其他債務在路上。
與之合作財政專家可以顯著擴大成功談到“一張紙牌重點”策略。這些專家有寶貴的見解和工具那會有所幫助您在景觀中瀏覽那是財務。如果你應該感到不知所措具體情況這當然是當前的指導可能是
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