Advice
OCCUR to Host Series on Money Management in Honor of Financial Literacy Month in April
Starting April 5, 2022, OCCUR will present the Second Annual Virtual Financial Management Training Series, sponsored by Union Bank and instructed by Jasper Smith, financial management expert, educator and author of “The #BuildWealthChallenge.”

By Charla Montgomery
Did you know that each year an entire month is dedicated to financial literacy?
On March 9, 2004, Senate Resolution 316 was passed designating April 2004 as “Financial Literacy Month.” Senator Daniel Akaka [HI] sponsored the bill, which resolved to raise public awareness about the importance of financial education in the United States and the serious consequences associated with a lack of understanding about personal finances.
Over OCCUR’s 65-year history, we have presented many financial literacy programs. We understand how difficult it can be to manage money, particularly for modest incomes, and want to make sure our communities have the information needed to help maintain and/or enhance their financial well-being. This has become even more necessary now as we continue to face so many unexpected challenges in our lives.
Starting April 5, 2022, OCCUR will present the Second Annual Virtual Financial Management Training Series, sponsored by Union Bank and instructed by Jasper Smith, financial management expert, educator and author of “The #BuildWealthChallenge.”
In this virtual workshop series Smith will discuss six key topics: Money Mindset, Money Management, Credit Building/Maintaining, Life Insurance, Investments and Retirement. The twice weekly series, on Tuesdays and Thursdays from 5:30-7:30 p.m., ends on April 21, 2022.
As an added bonus, OCCUR will offer the first 20 individuals who register and attend all six workshop topics a free copy of Smith’s book, “The #Build Wealth Challenge.”
For more information and to register, please visit our Technical Assistance page at www.occurnow.org or email info@occurnow.org.
Statistically, low-income individuals and/or households typically spend most of their time just trying to make ends meet and find it difficult to see their financial futures. It’s important to remember that whether someone is making the big bucks or just getting by, knowledge is still the most powerful tool needed to make change.
It’s true, trying to navigate through the many economic fluxes we experience, while taking care of our families, sustaining an income, juggling credit issues and thinking ahead can feel overwhelming to say the least!
However, knowing your options can really make a difference in helping you build and achieve financial stability and help you walk the wealth building path.
Let’s consider the term “wealth building” for a moment.
Many folks say that “wealth building” only applies to those who already earn a high income.
The term “Wealth” can mean different things to different people. Generally speaking, it means to have “plenty.” Acquiring and maintaining “plenty” can be done, but if you’re not a Lotto winner, it typically takes patience, perseverance and self-discipline — things that you will learn in our workshop.
We look forward to seeing you there.
Charla Montgomery is the Operations and Programs consultant for OCCUR.
Activism
AI Is Reshaping Black Healthcare: Promise, Peril, and the Push for Improved Results in California
Black Californians experience some of the worst health outcomes in the state due to systemic inequities, limited healthcare access, and exclusion from medical research. 16.7% of Black adults report fair or poor health, versus 11.5% of Whites. Black adults have the highest death rates from prostate, breast, colorectal, and lung cancer. Statewide, diabetes affects 13.6% of Black adults versus 9.1% of Whites, and 27% of Black adults over 65 have heart disease, compared to 22% of Whites. Life expectancy for Black Californians is about five years shorter than the state average.

Joe W. Bowers Jr.
California Black Media
Artificial intelligence (AI) is changing how Californians receive medical care – diagnosing diseases, predicting patient needs, streamlining treatments, and even generating medical notes for doctors.
While AI holds promise, it also poses risks, particularly for Black patients. It can provide faster diagnoses and expand access to care, but it may also misdiagnose conditions, delay treatment, or overlook patient’s critical needs. AI’s impact on Black patients depends on how biases in medical data and algorithms are addressed in its development.
“As we progress toward a society with increased use of AI technology, it is critical that the biases and stereotypes that Black Americans have faced are not perpetuated in our future innovations,” said Dr. Akilah Weber Pierson (D – San Diego), a physician and state senator spearheading legislative efforts to address AI bias in healthcare.
Why AI Matters for Black Californians
Black Californians experience some of the worst health outcomes in the state due to systemic inequities, limited healthcare access, and exclusion from medical research. 16.7% of Black adults report fair or poor health, versus 11.5% of Whites. Black adults have the highest death rates from prostate, breast, colorectal, and lung cancer. Statewide, diabetes affects 13.6% of Black adults versus 9.1% of Whites, and 27% of Black adults over 65 have heart disease, compared to 22% of Whites. Life expectancy for Black Californians is about five years shorter than the state average.
Benefits and Risks of AI in Healthcare
AI processes vast amounts of medical data using computer algorithms designed to identify patient health patterns, helping doctors to diagnose diseases, recommend treatment, and increase patient care efficiency. By analyzing scans, lab results, and patient history, AI can detect diseases
earlier, giving it the potential to improve care for Black patients, who face higher risks of prostate cancer, diabetes, heart disease and hypertension.
Dr. Judy Gichoya, an Interventional radiologist at the Emory University Winship Cancer Institute and AI researcher at Emory’s Healthcare AI Innovation and Translational Informatics (HITI) Lab, sees AI as a tool with great potential but cautions that its effectiveness depends on the diversity of the data it is trained on. She says, “Without diverse datasets, AI could overlook critical signs of diseases, especially in underrepresented populations like Black patients.”
Dr. Timnit Gebru, a computer scientist and AI ethics expert, is the founder and Executive Director of DAIR (Distributed AI Research Institute) in Oakland. She has extensively studied bias in AI systems and their impact on marginalized groups.
Gebru acknowledges that AI has the potential to improve healthcare by enhancing efficiency and expanding access to medical resources. But, like Gichoya she strongly stresses that for AI to be effective and equitable it needs to be subject to rigorous oversight.
AI is already helping doctors personalize cancer treatment by identifying biomarkers and genetic mutations. UCSF and Stanford Health use AI to analyze tumor DNA to match patients with the most effective chemotherapy or immunotherapy.
In diabetes care, AI predicts blood sugar fluctuations, helping doctors adjust treatment. It helps radiologists in early disease detection and identifies sepsis sooner, reducing hospital deaths. In cardiology, AI detects early signs of heart disease, spotting plaque buildup or abnormal heart rhythms before symptoms appear. It also helps predict strokes by analyzing brain scans to determine risk and guide intervention.
Kaiser Permanente uses AI scribes to reduce paperwork and improve patient interactions. Covered California has partnered with Google
Cloud to use AI to streamline document verification and eligibility decisions.
Despite these advancements, AI systems trained on biased medical data can perpetuate inequities for Black patients.
Gebru explains, “If AI learns from historically discriminatory medical decisions—such as undertreating Black patients—it will scale those biases.”
A notable example is in dermatology, where AI frequently misdiagnoses conditions in Black patients because most training datasets are based on lighter-skinned individuals. “Melanoma looks very different on darker skin,” Gebru notes. “It’s not just darker—it often appears differently, like under toenails, a pattern AI trained mostly on lighter skin won’t detect.”
Another risk of AI in healthcare is automation bias, where healthcare providers over-rely on AI, even when it contradicts medical expertise. “Doctors who would have prescribed medications accurately without AI sometimes make mistakes while using automated tools because they over-trust these systems,” Gebru adds.
AI-driven health insurance claim denials are a growing concern. UnitedHealthcare faces a class-action lawsuit for allegedly using an unregulated AI algorithm to deny rehabilitation coverage to elderly and disabled patients.
Beyond bias, AI also poses an environmental threat. AI systems require enormous amounts of energy for computing and massive amounts of water to cool data centers, which exacerbates climate change, an issue that already disproportionately impacts Black communities.
Trump Administration and DEI Impact
The Trump administration’s efforts to dismantle Diversity, Equity, and Inclusion (DEI) threatens funding for AI bias research in healthcare.
Less federal support could stall progress in making AI systems fairer and more accurate, increasing discrimination risks for Black patients.
California’s Legislative and Regulatory Response
Recognizing AI’s risks in healthcare, California lawmakers and state officials are implementing regulations. Weber Pierson introduced Senate Bill (SB) 503 to ensure that AI algorithms used in healthcare are tested for racial bias before implementation.
“We’ve already seen how biased medical devices like pulse oximeters can fail Black patients,” Weber Pierson explains. “If algorithms used in patient care aren’t inclusive, they’re not going to accurately serve melanated individuals.”
At a press conference introducing SB 503, Weber Pierson stressed that AI must be held accountable. “This bill focuses on ensuring that software used as an accessory to healthcare staff delivers sound, nondiscriminatory decisions that promote equitable outcomes.”
Other legislative efforts include Senate Bill (SB) 1120, by Sen. Josh Becker (D-Menlo Park), which stops insurance companies from using AI alone to deny or delay care and Assembly Bill (AB) 3030, by Assemblymember Lisa Calderon (D-Whittier), which requires healthcare providers to inform patients when AI is used in their care.
Attorney General Rob Bonta has issued a legal advisory barring AI from unfairly denying healthcare claims, falsifying records, or restricting access to care based on medical history. Gov. Gavin Newsom’s 2023 executive order directs state agencies to assess AI’s impact and establish consumer protections, particularly in healthcare.
Actions Black Patients and Families Can Take
As AI becomes more common in healthcare, Black Californians can ensure fair treatment by asking if AI is used, seeking second opinions, and supporting groups addressing algorithmic bias.
They can:
- Ask their healthcare providers whether AI played a role in their diagnosis or treatment.
- Request second opinions if an AI-generated diagnosis seems questionable.
- Advocate for AI policies and legislation promoting fairness and accountability. · Engage with community health organizations like the California Black Health Network (CBHN) that is engaged in ensuring AI is developed in ways to improve health outcomes for Black patients.
Rhonda Smith, CBHN’s executive director, says bias in medical algorithms must be eliminated. “There should never be any race-based adjustment in delivering patient care,” she said.
CBHN supports inclusive research and legislation like SB 503 to ensure AI promotes equity.
Ensuring AI Benefits All Communities
As a legislator, Weber Pierson is pushing for stronger safeguards to ensure AI serves all patients equitably. She says, “Innovation and technology are good, but new challenges arise if we don’t move in a direction inclusive and thoughtful of all people who utilize the healthcare space.”
AI has the potential to revolutionize healthcare, but experts warn it must be developed and regulated with transparency, accountability, and fairness – ensuring it reduces rather than worsens, racial health disparities.
Advice
Let’s Go to The Doctor: What Happens When Your Brain Gets Sick
As we grow older, it’s natural to feel concern about changes in our mental abilities. We want to carry out our daily routines, be self-sufficient and relive the most treasured moments of our lives – without having to worry about our memory and dementia.

Part 2 of 2
By Clifford L. Williams
“Everyone ages,” as noted by BlackDoctor.org (BD). The longer you live on Earth, the more you will notice how things change – including your body and mind.
Aging is a natural process of our lives, according to BD. As we age, we experience gradual changes to our brains and bodies. Some of these changes affect our physical and mental abilities and may increase our risk of disease.
Each one of us experiences aging differently. The extent of how we experience changes due to aging, and the point in our lives when they start becoming more noticeable, varies from person to person.
As we grow older, it’s natural to feel concern about changes in our mental abilities. We want to carry out our daily routines, be self-sufficient and relive the most treasured moments of our lives – without having to worry about our memory and dementia.
According to the World Health Organization (WHO) almost 40% of us will experience some form of memory loss after we turn 65 years old.
But even if we experience memory loss, chances are still unlikely that we have dementia. For the most part, our memory loss is mild enough that we can still live our day-to-day lives without interruption.
The WHO estimates that, after we turn 60 years old, 5% to 8% of us will live with dementia at some point. With dementia, symptoms including memory loss gradually worsen to the point where our abilities seriously deteriorate, and we are no longer able to take care of ourselves.
But dementia and Alzheimer’s are not the same. Dementia is a collection of symptoms, while Alzheimer’s is disease of the brain. It is the top neurodegenerative disorder in the world. The Centers for Disease Control and Prevention (CDC) estimates that 5.8 million Americans live with Alzheimer’s in the United States.
Early Signs of Alzheimer’s to Look Out For:
- Difficulty finding words, vision or spatial issues, and impaired judgment or reasoning
- Stuttering or halting speech, difficulty recalling words, or using substitutes for words
- Difficulty paying bills, cooking, or following a recipe
- Losing track of dates, getting lost in a familiar place, or having trouble understanding an event that’s happening later
- Becoming more easily upset, feeling depressed, scared, or anxious, or being suspicious of people
- Scaling back on projects at work, becoming less involved with hobbies, or lacking motivation
When it comes to enhancing our memory and cognitive abilities, engaging in brain games is an effective and enjoyable approach. Not only do these games provide entertainment, but they also stimulate various areas of the brain, leading to improved memory.
According to HealthDay News, a new drug to treat Alzheimer’s disease has been approved by the U.S. Food and Drug Administration. In clinical trials, donanemab (Kisunla), modestly slowed the decline in thinking among patients in the early stages of the disease.
With a diagnosis of dementia and seeking information about that illness, it can be both overwhelming and emotional. If you or a loved one has been diagnosed early, there is hope. You can plan for your care before your symptoms accelerate.
To Our Readers:
For information on other health-related issues regarding men’s health, please share your thoughts and/or concerns with the Post Newspaper Group editorial staff.
Activism
Life After Domestic Violence: What My Work With Black Women Survivors Has Taught Me
Survivors sometimes lack awareness about the dynamics of healthy relationships, particularly when one has not been modeled for them at home. Media often minimizes domestic abuse, pushing the imagery of loyalty and love for one’s partner above everything — even harm.

By Paméla Michelle Tate, Ph.D., California Black Media Partners
It was the Monday morning after her husband had a “situation” involving their child, resulting in food flying in the kitchen and a broken plate.
Before that incident, tensions had been escalating, and after years of unhappiness, she finally garnered enough courage to go to the courthouse to file for a divorce.
She was sent to an on-site workshop, and the process seemed to be going well until the facilitator asked, “Have you experienced domestic abuse?” She quickly replied, “No, my husband has never hit me.”
The facilitator continued the questionnaire and asked, “Has your husband been emotionally abusive, sexually abusive, financially abusive, technologically abusive, or spiritually abusive?”
She thought about how he would thwart her plans to spend time with family and friends, the arguments, and the many years she held her tongue. She reflected on her lack of access to “their money,” him snooping in her purse, checking her social media, computer, and emails, and the angry blowups where physical threats were made against both her and their children.
At that moment, she realized she had been in a long-suffering domestic abuse relationship.
After reading this, you might not consider the relationship described above as abusive — or you might read her account and wonder, “How didn’t she know that she was in an abusive relationship?”
Survivors sometimes lack awareness about the dynamics of healthy relationships, particularly when one has not been modeled for them at home. Media often minimizes domestic abuse, pushing the imagery of loyalty and love for one’s partner above everything — even harm.
After working with survivors at Black Women Revolt Against Domestic Violence in San Francisco, California, I have learned a great deal from a variety of survivors. Here are some insights:
Abuse thrives in isolation.
Societal tolerance of abusive behavior is prevalent in the media, workplaces, and even churches, although there are societal rules about the dos and don’ts in relationships.
Survivors are groomed into isolation.
Survivors are emotionally abused and manipulated almost from the beginning of their relationships through love-bombing. They are encouraged or coerced into their own little “love nest,” isolating them from family and friends.
People who harm can be charismatic and fun.
Those outside the relationship often struggle to believe the abuser would harm their partner until they witness or experience the abusive behavior firsthand.
Survivors fear judgment.
Survivors fear being judged by family, friends, peers, and coworkers and are afraid to speak out.
Survivors often still love their partners.
This is not Stockholm Syndrome; it’s love. Survivors remember the good times and don’t want to see their partner jailed; they simply want the abuse to stop.
The financial toll of abuse is devastating.
According to the Allstate Foundation’s study, 74% of survivors cite lack of money as the main reason for staying in abusive relationships. Financial abuse often prevents survivors from renting a place to stay. Compounding this issue is the lack of availability of domestic abuse shelters.
The main thing I have learned from this work is that survivors are resilient and the true experts of their own stories and their paths to healing. So, when you encounter a survivor, please take a moment to acknowledge their journey to healing and applaud their strength and progress.
About the Author
Paméla Michelle Tate, Ph.D., is executive director of Black Women Revolt Against Domestic Violence in San Francisco.
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