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Greetings to our faithful readers of La Voz Hispana. Doesn’t it seem like this 2011 went by in a breeze? And so, we are in Christmas month. Time to share with our families and friends, to celebrate and remember the birth of our little child Jesus in that humble manger in Bethlehem. When one has been able to share with people from other nationalities, it is not easy for me to write about what we celebrate when there’s others who do not celebrate Christmas or others who might get o!ended when we do. To them, I o!er an apology and in the same way I respect your culture and beliefs, I hope you’re not o!ended with what I write here

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but, where I come from, this is a very important time of the year.When I lived in Puerto Rico, it always called on my attention how Puerto Ricans who lived in the United States would long for our island especially during Christmas time, and they’d be sad because they were far away from their island. I remember the “sprees” or “Christmas raids”, these were groups of friends or relatives who would get together and, to the rhythm of guitars, congas, guiro, and cuatro (12-chord guitar-type instrument native to Puerto Rico), would visit other friends and relatives in the middle of the night, waking them up to bring music and joy. Now, I know how it feels. "e other day by chance I found a CD with music that is usually played during Christmas time in Puerto Rico. I played it on my way to work. I must confess that tears came out while I listened, from the excitement I felt; however, life takes us to other places with a purpose, and ours is to be here as part of this community that opened its doors to us. May you have a beautiful Christmas and may the New Year bring you many good things. May God bless you and remember that the best is yet to come.

Miembro FDICun prestamista de igualdad de vivienda

Personal | Negocio | Ag | Hipotecas | Fidecomiso | Inversiones www.homefederal.com

Con tanto que ofrecer, conoce lo que Home Federal puede hacer por ti.

Home Federal Ofrece:

CUENTAS DE CHEQUESHOME FEDERAL le ofrece cuentas de cheques con características que ofrecen conveniencia y que satisfacen sus necesidades bancarias.

• Cuentas de cheque GRATIS• Transferencias Internacionales• Banca en línea: Notificaciones electrónicas, pago en línea, etc.• 2 localidades con representantes bilingües

AndreaDowntown | 11th & Main | Sioux Falls

605-333-7575

IanHy-Vee | 49th & Louise | Sioux Falls

605-373-1350

!"#$%"&'()*)+,"-.$/0"$1)2$3$45)&,3*6$7"0-)(8!ere are some new vocabulary words being used today on the internet: social media. What do these two words mean?

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9"%,0":"(%.$;2"-%,)(-$3(<$/(-#"0-Some questions and answers about retirement that not very many people know.

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“!ere is no economy without edu-cation; the solution is to invest in education”

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C,(3(&".$D'"$/:"0,&3($E0"3:Hispanics still believe in the American Dream, but claim that #nancial priorities tarnish its ma-terialization.!"#$%&,

F)0G.$H)#$%)$+"%$I"%%"0$)($3$J)I$,(%"0>,"#Little tricks that can help us im-prove our skills during a job inter-view and get that position that we dream about.

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!"23)4526'701%Unlike the human tra!cking that includes some kind of force and / or exploitation, human smuggling is voluntary. "e rea-sons why an individual crosses the border to another country vary. "e reason is generally raise their standard of living, together with family or achieve political freedom. !e smuggling is done pri-marily to improve the current situ-ation. !e price of smuggling can range from several hundred dollars to thousands per individual. When illegal immigrants attempting to

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cking that includes some kind of force and / or exploitation, human

e rea-sons why an individual crosses the border to another country

e reason is generally raise their standard of living, together with family or achieve

e smuggling is done pri-marily to improve the current situ-

e price of smuggling can range from several hundred dollars to thousands per individual. When illegal immigrants attempting to

cross the border, their lives are in danger. Globally, it is estimated that human smuggling generates nearly $ 10 billion annually. One of the most popular destinations is the United States. Illegal immigrants crossing the US - Mexico through the desert or mountains are led in most cases by an individual com-monly called coyote. A coyote is more familiar with the routes to take to cross the border and knows the ins and outs of the business. Coyotes can work independently or be part of a larger network. !e payment to smugglers can be made in full (partial or total) or when the individual who is trying to cross the border to reach its "nal desti-nation.

Some human smugglers or coyotes reach their support for ille-gal immigrants crossing because it is a lucrative and growing business. Other smugglers do this as addi-tional work to supplement their in-come.

Most of the smugglers or coyotes conduct business in an eth-

ical manner, but there are others who leave illegal immigrants trying to cross the border. !ese cases are more common in the mountains or deserts near the US - Mexico. !ousands of illegal immigrants have died from dehydration in the Arizona desert as a result of aban-donment by their coyotes or be lost. !ere have been cases where coyotes have been killed by illegal immigrants because they could not pay the service provided. Illegal im-migrants crossing the US - Mexico can expect to pay between $ 1,500 to $ 3,500, sometimes less, depend-ing on the smuggler.

Another method used by these smugglers transport is the tractor-trailers, rail cars and ship-ping containers. Sometimes the trip can take hours and sometimes even weeks. Food, water and space are limited and have to face conditions that immigrants are not all pleas-ant. Coyotes are not the only ones involved in alien smuggling. !ere are some Border Patrol agents cor-rupt turn o#s to immigrants. Last month, two o$cers of Customs

and Border Protection U.S. (U.S. Customs and Border Protection) working in the port of entry in San Ysidro in California along with seven suspected members of a ring were arrested for duping immi-grants.

One of those arrested, Rich-ard Elizalda, had been an o$cer of Customs and Border Protection U.S. for nine years. Authorities dis-covered that entry had been leav-ing carloads of immigrants without asking for documentation in the checkpoint. !e ring had been op-erating for the past two years and Elizalda received up to $ 1,000 for each illegal immigrant to leave to enter.

!ere may be many steps in the checkpoints to prevent corrupt behavior, such as rotating o$cers between posts. Customs and Bor-der Protection U.S. not make cell phone calls to prevent communi-cation between o$cers and mem-bers of rings, but always "nd a way to cheat immigrants. However, at some point, corrupt o$cials fall.

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go for sound !nancial advice. Find informa-tion from a quali!ed !nancial professional is the !rst step to take control and move towards your ideal !nancial. “

According to the survey, Hispanics place great importance on education. "ey are more likely than the general population (77% vs. 72%) want their children to graduate from at least one university degree, and nearly twice as likely to expect to obtain at least a master’s de-gree (39% vs. 27% ). However, almost a third of Hispanics (26%) were aware that states should be saving for their children’s college education, but now lacks the money to save. "is could be one of the most likely reasons why 50% of His-panics, compared with the general population, indicate that their !nances are the main factor of stress in their lives. Another !nding reveals the di#culties faced by Hispanic families is that almost half (49%) of people in this group belongs to the “sand-wich generation”, compared to only 29% of the general population. Of Hispanics who say they are subject to the !nancial burden of sup-porting their children and at the same time, their parents in old age, 21% do not know how to deal with their parents, although they are aware that they have to do.

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(Spring!eld, MA) - "e Hispanic population continues to believe that education is the way to real-ize the American Dream: almost two thirds (64%) say that a col-lege degree is the key to achiev-ing this. However, this group has almost twice as likely (22%) than the general population (13%) of state that is di#cult to save both the education of their children and for their own retirement, and it is expected that more than half of them also take care of their elderly parents (52%). "ese are some of the most im-portant conclusions of the sec-ond national survey of the series

American Family State of Mas-sachusetts “"e survey shows that Hispan-ics, like the rest of the popula-tion, perceived stress to remain !nancially secure while to have reliable plans to deal with their parents and the next genera-tion,” said Chris M. Mendoza, assistant vice president of mul-ticultural markets development MassMutual. “Professional counseling can help balance these priorities, however, His-panics, compared with the gen-eral population, is twice as likely to say they do not know where to

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!"#$%&"#'"(&)*)+',)"-".'*"/0#),1$)2An interview for a new job can be stressful. High expectations and nerves can spend a trick and even make us lose a great opportunity. However, there are certain things that everyone can go to get out of that meeting in which both depend. Simple behavioral techniques, body language or speech can help get that job with which we have always dreamed.

1. Practise. Before the interview practice with someone. You ask questions, that way you’ll be more calm.

2. Be proactive.Prepare a list of attributes, you can use to enhance their skills in the interview, but be careful, do not overdo it, it’s about creating a good impression not lying.

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3. Relax. Breathe, breathing is very im-portant while doing the inter-view. !us, the words will come out more clear and complete and will remain more relaxed. At the same time transmit a sense of re-laxation peace and security to the person or persons in the room.

4. Control the body language:Moderate your reactions, do not laugh out loud, or use a very loud tone. So, leave a good impression.

5. Look for helpIf possible join a group of oratory, which may help you to better proj-ect.

This world is not just a dream. Eleven million cancer survivors will celebrate birthdays this year. That’s a sign of progress, proof that a world with more birthdays is possible. See how you can help at morebirthdays.com. Or call 1-800-227-2345. Together we’ll stay well, get well, fi nd cures and fi ght back.

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!"#$%&'$($)*&+,(-.$/#"0&12!ere are some new vocabulary words being used today on the internet: social media. What do these two words mean? For the majority of people, they think of Facebook, Twitter and the sites where people make comments, share ideas, thoughts, and photos, also where many people learn of the latest news from family and friends.

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While many people use the in-ternet for daily life, there are others who still have a fear of sharing in this man-ner and lack the knowledge of possibili-ties of social media. Today’s generation has grown up with computers and ac-cess to information at their !ngertips. For those who have started using social media, sharing by this method is as nat-ural as using the phone or e-mail. Social media is not limited to the young. "ere are many businesses, stores, and organizations who have found uses for sharing their products, events, specials/sales, and who ask for

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Shari Porth605-334-4570

Cherish Fedders4101 S. Louise Ave

605-361-0313Susan Rotert

3000 S. Minnesota Ave605-334-7231

Tammy Jo Zingmark1900 S. Marion Rd

605-361-3442Amanda Ries3020 E. 10th St605-336-8947

Lindsay Van Meeteren1231 E. 57th St605-271-7171Emily Mergen2700 W. 10th St605-334-3321

!"#$%&'$($)*&+,(-.$/#"0&12comments from their clients to improve their communication with those that matter to them. Facebook is the biggest and most famous of the social media sites. If you haven’t seen the site, it will be necessary to !nd someone who uses it and has an account. "e !rst thing needed for an account is access to the internet, an e-mail address, and a secure password you can remember. When you visit the site you will see instructions that guide you through each step in the process of !nding friends, adding photos/videos, and making comments for others to read. Twitter is a site where people can an-nounce short messages in a very quick man-ner. With Twitter, an account is also neces-sary and you will create a name that people will come to recognize. Many Twitter users share things by phone in order to tell the lat-est events. "e beauty of social media is the major-ity of sites are free and there are no borders or limits to the time and place you can use them. It is also possible with Facebook to change your language to Spanish (and many other languages) and use the site completely in the language of your choice. When you learn to use them, you will !nd more peo-ple, businesses and organizations than you ever imagined!

Here are a few words you need to understand before starting your adventure on a social network:

Friend-A person you recognize and also who also uses that site (If you don’t know the person, don’t accept their request. It is always your choice!)Pro!le-"e information you want to share about your life (it helps people recognize you online)Wall-A space for you to share a commentMessage-A message sent privately through the site (more like an e-mail that others can’t read)Like-A button basically saying you read a message but don’t need to commentChat-Typing a message instantly instead of talkingFriend request- Someone who knows you and wants to join your network of friends (Again, make sure you recognize this person and want them in your network)Noti!cation- "is is a button that changes to red to tell you that there is something new on your siteShare- Send a photo or comment to another person on the siteTag- Naming a person in a photo. Facebook then directs that photo to that person so they know it was posted online.

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Job Interview

Reaching the end of a job interview, the human resources person asked a young engineer fresh out of MIT, “And what starting salary were you looking for?”

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!week vacation, 14 paid holidays, full medical and dental, company matching your retirement fund to 50% of your salary, and a company car leased every two years, say, a red Corvette?”

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No. At one time, Social Security did pay benefits to eligible college students. But the law changed in 1981. We now pay benefits only to students taking courses at grade 12 or below. Normally, benefits stop when children reach age 18 unless they are disabled. However, if children are still full-time students at a secondary (or elementa-ry) school at age 18, benefits generally can con-tinue until they graduate or until two months after they reach age 19, whichever is first. If your child is still going to be in school at age 19, you’ll want to visit www.socialsecurity.gov/schools.

Will my son be eligible to receive bene!ts on his retired father’s record

while going to college?

We base Social Security bene"ts on work credits. Anyone born in 1929 or later needs 40 Social Se-curity credits to be eligible for retirement bene"ts. You can earn up to four credits a year, so you will need to work at least 10 years to become eligible for retirement bene"ts. Learn more by reading the publication How You Earn Credits at www.socialse-curity.gov/pubs/10072.html.

How long does a person need to work to become eligible for

retirement bene!ts?

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3,"4&*5'$*,6*7,(-Job Interview

Reaching the end of a job interview, the human resources person asked a young engineer fresh out of MIT, “And what starting salary were you looking for?”

!e engineer said, “In the neighborhood of $125,000 a year, depending on the bene"ts package.”

!e interviewer said, “Well, what would you say to a "ve-week vacation, 14 paid holidays, full medical and dental, company matching your retirement fund to 50% of your salary, and a company car leased every two years, say, a red Corvette?”

!e young engineer sat up straight and said, “Wow! Are you kidding?”

!e interviewer replied, “Yeah, but you started it.”

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Two Kids in the Hospital

Two little kids are in a hospital, lying on stretchers next to each other outside the operating room. !e "rst kid leans over and asks, “What are you in here for?” !e second kid says, “I’m in here to get my tonsils out and I’m a little nervous.” !e "rst kid says, “You’ve got nothing to worry about. I had that done when I was four. !ey put you to sleep, and when you wake up they give you lots of Jell-O and ice cream. It’s a breeze.” !e second kid then asks, “What are you here for?” !e "rst kid says, “A circumcision.” “Whoa!” the second kid replies. “Good luck, buddy. I had that done when I was born, couldn’t walk for a year.”

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Jose, was di!cult to adapt to USA?For me it was not very hard, I came to study and sent me here. !e people here are wonderful and very friendly, so the change was not too di"cult.

How do you see your home country right now? My country rises and falls. We produce oil that is most impor-tant that Venezuela now, and try to be more social. It is sometimes very di"cult because not every-one wants to be. So the situation is changing.

What is most important to you, the economy or eduación?If you have a good education will have a good economy, Revees is very complicated. If you invest in your economy will be better edu-cation.

What I miss the most about Venezuela?My family, my friends, the weath-er and especially the food.

Any dish in special?!e arepa, a kind of bread made from milk like tortillas.

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JoséVenales moved from Venezuela to the United States to study and ended up staying. His is a clear example of the many young people who come to the U.S. with a dream and desire to make it happen

Jose Venales is a Sales Associate at Home Federal Bank in Sioux Falls

What is what you like the most about Sioux Falls?People, everyone is very friendly and help you in everything. I also like the fact that it is a very safe city.

What is your message for the latino youth of the USA?My message for Hispanic youth is to study hard to pursue their dreams, never head down and keep it up forever and that if they try to ful#ll a dream.

What is what you like the most about your job?What I like about my job is in-terfacing with clients, I like being able to help Hispanics who come to the bank.