46 edi 12 by ROSEMARY CARRILLO

Why Obama's Final Budget Is a Win for Small Business For most small businesses, customer and pricing lists are valuable trade secrets in need of protection. If you’re a restaurant, bakery, or microbrewery, your recipes are clearly trade secrets. But you may have some less obvious, but just as valuable, trade secrets. Think about your operations and if competitors knew what you were doing, would they be compromised. Then create a list of your company’s trade secrets.

Edition 45 Setember 2015

The Place to Go Before You Do Your Business Taxes

www.nybusinesslatino.com

Panthers' Ron Rivera is Second Latino Coach to Guide Team to Super Bowl

U.S. immigration case could set limits on presidential power

The Congressional Budget Office study said that 13 million people are likely to purchase policies through the Affordable Care Act this year, down about 8 million from estimates the agency made early last year. That's based on updated enrollment figures through last month. Page. 18

Rivera's team left little question it deserved to go, crushing the Arizona Cardinals, who had denied the Green Bay Packers a chance to bid for a championship ring. The Panthers will take on the Denver Broncos, who beat the 2015 Super Bowl champion New England Patriots, 20-18 Sunday afternoon. Page. 16

So much for the political revolution. In 2016, everything old is new again.

he truth is that when it comes to challenging orthodoxies, the insurgents on both sides are way more retro than they are radical. And that may be why, no matter what transpires in Iowa, they’re destined to come up short. PageS 7 Double-check your return before you file. It’s tax season again, and you’ll likely be required to file a tax return within the next few months. There is plenty of advice being published about tax deductions, strategies to save money, and ways to keep your personal Page. 8

Bans Solitary Confinement For Juveniles In Federal Prisons Obama said the changes would affect some 10,000 federal prisoners and stemmed from a review of the practice he directed the U.S. Justice Department to conduct last summer.

Page. 3

pressure to stop Zika virus The World Health Organization will hold a special session on Thursday on the Zika virus as the U.N. agency comes under pressure for quick action against the infection linked to thousands of birth defects in Brazil that is spreading through Latin America and the Caribbean. Pages. 07

POLITICS

P 2 nY. Business Latino â&#x20AC;˘ Edition 46 |January-2016

Donald Trump likes to call people "stupid." Whether he's referring to President Obama, Congressional leaders, the media or his opponents, the Republican front-runner has so far delighted his supporters these past eight months with an unprecedented f lurry of demeaning ad-hominem attacks and inf lammatory rhetoric.

But now he's calling these very same supporters stupid, claiming there's nothing he can do to lose their backing, not even if he committed a horrific act of violence. "I could stand in the middle of Fifth Avenue and shoot somebody, okay, and I wouldn't lose any voters, okay?" Trump said at a rally over the weekend in Sioux Center, Iowa. "It's, like, incredible."

â&#x2013;şWell, Trump's narcissism is, like, incredible, okay? Think for a minute about what he said, and perhaps the underlying disdain for his supporters. His ego is so gargantuan, his rapacious Id so deprived, he's convinced himself that he's so important and desirable that he could literally kill someone without political cost. The level of "they'll-

Here's What Could Finally

Bring Down Trump love-me-no-matter-what" presumption here is astounding. That's not exactly a ringing endorsement of his supporters' intelligence or ability to reason. It's pretty insulting, in fact. That Trump thinks his "fans" are mind-

less morons who will blindly follow their Pied Piper like rats into the drowning pool is quite telling. But will they care? Will they finally turn all their "anger" on him? Will this insult -- one that's aimed squarely at them instead of one of the bloviating billionaire's enemies

-- be the long overdue final straw that brings down this vulgar house of cards? It's one thing to sit at a rally and be entertained by a modern-day Morton Downey Jr. as he mercilessly rips into his opponents. It's quite another to be the target of his contempt.

FRONT PAGE

nY. Business Latino â&#x20AC;˘ Edition 46 |January-2016 P 3

U.S. President Barack Obama in an opinion piece announced that he is banning solitary confinement for juveniles in federal prisons, citing concerns about its harmful psychological effects.

The move comes amid a national movement demanding criminal justice reform, which was sparked by numerous high-profile police killings in recent years. Obama also said solitary confinement could no longer be used as a punishment for low-level infractions. He said the package of changes would include an expansion of treatment for mentally ill prisoners and an increase in the amount of time inmates in solitary can spend outside of their cells. He said the changes would affect some 10,000 federal prisoners and stemmed from a review of the practice he directed the U.S. Justice Department to conduct last summer. Obama cited the story of Kalief Browder, a black 16-yearold who was arrested in 2010 and spent almost two years in solitary confinement in New York City's Rikers Island jail before his release in 2013 and eventual suicide two years later.

â&#x2013;şSolitary confinement, Obama wrote, is "increasingly overused on people such as Kalief, with heartbreaking results - which is why my administration is taking steps to address this problem."

Obama said research sug-

gests solitary confinement has been linked to depression,

President Obama Bans Solitary

Confinement For Juveniles

In Federal Prisons

The move comes amid a national movement demanding criminal justice reform, which was sparked by numerous high-profile police killings in recent years. alienation, withdrawal, a reduced ability to interact with others and the potential for violent behavior. He said states that have worked to cut back their use of the technique have seen drops in assaults on staff and more prisoners engage in rehabilitation programs. Obama said he hoped the changes he has ordered in the treatment of federal prisoners would serve as a model for reforms by

state and local corrections systems.

â&#x2013;ş"There are as many as 100,000 people held in solitary confinement in U.S. prisons - including juveniles and people with mental illnesses," Obama said. "As many as 25,000 inmates are serving months, even years of their sentences alone in a tiny cell, with almost no human contact." Just last month, New York state agreed to

end its "overreliance" on solitary confinement as a means to discipline inmates in its prisons, as part of a settlement to a lawsuit brought against the state by the New York Civil Liberties Union. California last September also agreed to sharply cut its use of solitary confinement as part of a sweeping settlement to a lawsuit brought by prisoners.

BUSINESS

P 4 nY. Business Latino • Edition 46 |January-2016

The 55 Most Influential Latinos in NJ

The 55 Most Influential Latinos in NJ 2015 The Latino Leadership Alliance of New Jersey (LLANJ) presents the list of The 55 Most Influential Latinos in New Jersey.

The objective is to spotlight Latinos, who by virtue of position and/or work, are exerting a positive influence on the Latino community of New Jersey, causing it to change and/or advance. Selecting a list of prominent individuals with diverse talents and backgrounds, LLANJ has focused on the widest scope of influence possible in the areas of politics, education, health, economic development, and social advancement. In alphabetical order by last name, they are: 1. Fernando Alonso. Chairman of the Bergen County Republican Hispanic Association. He was a state senate candidate in LD38. His work on behalf of Latino republican candidates in Bergen County has earned him statewide respect. 2. Jose Arango. The Hudson County Republican chairman leads the

party in a county where republicans have little pull. Hudson is known for its Democratic strength. 3. Alex Blanco. Mayor of Passaic, NJ. The second in the United States and only in New Jersey, Mayor of Dominican descent. Dr. Blanco serves the 15th largest municipality in New Jersey.

4. Ingrid Betancourt. Director of the Newark Library’s Sala Hispanoamericana. She has spearheaded research exhibits on history and culture of many Latin American countries at La Sala. Her Hispanic Heritage Month Celebrations at Newark Public Library have become legendary as they bring to life the richness of Latino arts and culture. 5. Rolando Bobadilla. The Essex County freeholder was first appointed to his position in 2011 to fill an unexpired term. He has been elected twice. Praised for his relentless commitment to inclusion and fair representation. 6. Carlos M. Bollar, Esq. President of the Hispanic Bar Association of New Jersey. Deputy Regional President for Region III of the Hispanic National Bar Association. Serves on the NJ Supreme Court’s Working

Group on Judicial Fundraising. He currently serves on the Legislative and CLE Advisory committees of the New Jersey State Bar Association.

7. Gloria Bonilla-Santiago, PhD., Director of the Community Leadership Center, overseer, Board Chair of the LEAP Academy University Charter School, and Rutgers University Distinguished Professor. Leading scholar with over 25 years of experience in program development, fundraising, strategic planning, and leadership training. 8. Nestor Collazo. Principal, Perth Amboy High School. His ‘urban city principal’ approach has earned him a place in many young men and women, who will succeed because he touched their lives. 9. Juan Cartagena. President and General Counsel of LatinoJustice PRLDEF. A former Municipal Court Judge in Hoboken; he is a constitutional and civil rights attorney who has vast experience litigating cases on behalf of Latino and African American communities in voting rights, employment discrimination, language rights, access to public education for poor and language

minority children, and housing.

10. Ángel Cordero. Director and Co-Founder of Community Education Resource Center of Camden (CERN). Has an extensive history of grassroots organizing and militancy on behalf of Camden and NJ Latinos. 11. Dario A. Cortes, Ph.D., Senior Vice President of Strategic Alliances and the former president of Berkeley College. The only Latino to serve as president of a College in New Jersey; he helped make the path to a four- year degree more accessible to students of all backgrounds. During his tenure 27 percent of the more than 8,300 students at Berkeley were of Latino descent. 12. Norberto Curitumai. President of Transportation Corporation of Paterson, NJ, one of the four major busing companies in the Tri-Area. Challenged the NJ Transportation Department for a license to operate the private transportation business, and won. His fleet of over 200 vehicles has added 10 to 15 new vehicles each year since 2001. 13. Wilda Diaz. She was elected

Mayor of Perth Amboy, New Jersey in May 2008 to become Perth Amboy's first female Mayor and New Jersey's first Latina Mayor. She first ran on an anti-corrupt establishment campaign, and is comfortable taking on the Middlesex County Democratic Committee, when needed, on behalf of the people of Perth Amboy. 14. Carlos Fernández, Ph.D. Director of the Center for Latino Arts and Culture at Rutgers University. He holds a doctorate in folklore from Indiana University. He is a musician from Costa Rica performing vocal and instrumental music from the Latin American renaissance. His scholarly research has focused on popular religious practice and traditional music of Central America and the Caribbean. 15. Faustino Fernandez-Vina. Associate Justice New Jersey Supreme Court. He previously served as Superior Court Judge, Presiding Judge of Camden Vicinage Civil Division, and Assignment Judge of the Camden Vicinage. 16. Joseph R. Fuentes, Colonel, the 14th Superintendent of the New Jersey State Police. State Police since 1978; member of the 93A Class.

BUSINESS

Assignments: General Road Duty Trooper, Instructor at the Sea Girt Academy, Supervisor with the FBI/ NJSP Joint Terrorism Task Force, Narcotics Units, and the Street Gang Unit. Former Chief of the Intelligence Bureau, overseeing nine units. 17. Conrado Guardiola, MA, Ph.D. Professor Emeritus at Rutgers. He teaches Medieval Spanish literature; Medieval Epic; didactic and political treatises; culture of Spain; Aragonensia. He has published books on Los Amantes deTeruel (1989); Gracián (1980); El Romancero (1973); and Cantares de Gesta (1971). 18. Tony Ibarria. Editor of El Especial. From his offices in Union City, Mr. Ibarria has commandeered the longest serving and most comprehensive and successful Spanish weekly in the State of New Jersey. 19. Olga Jiménez de Wagenheim. History Professor Emeritus at Rutgers University. A specialist in Caribbean and Latin American history and author of several books and articles, and director of the Puerto Rican Studies Program at RutgersNewark for more than 20 years. She chaired the organizing committee for the New Jersey Hispanic Research and information Center (NJHRIC). 20. Abraham Lopez. Executive Director of the New Jersey Center for Hispanic Policy, Research and Development (NJCHPRD). With an engaging smile and gentle demeanor, this political animal helped carve out a space for Latinos in the Republican Governor’s administration. 21. José Lopez. President of Hudson County Pastors Association. Rev. Lopez’ consistent and relentless work promoting the civic participation of the NJ Latino community of faith is helping transform a political ‘sleeping giant’ into a ‘well-oiled machine’ for Latino empowerment in the state. 22. Jaime Lucero. Mexican Entrepreneur and Visionary. The garmentdistrict millionaire, owner of Gold & Silver, a New Jersey-based business, founded Casa Puebla. Señor Lucero – his nickname – speaks slowly and smoothly, but is a deep thinker. The City University of New York Mexican Studies Institute at Lehman College was named in his honor. It is now known as “The Jaime Lucero Mexican Studies Institute”. 23. Carlos Medina. The chairman of NJ Hispanic Chamber of Commerce is rumored to be a future contender for Lieutenant Governor if current Lieutenant Governor Kim Guadagno decides to make a gubernatorial run in 2017. 24. Analilia Mejia. Executive Director of the New Jersey Working Families Alliance, a statewide

group that helps protect and lobby for the interests of working families statewide. 25. María Teresa Montilla. President of the Latino Leadership Alliance of New Jersey (LLANJ). An author and nationally known and respected Latino leader, with an extensive history of effective advocacy and activism on behalf of U.S. Latino Community. She is also currently President of the Institute for Latino Studies, Research and Development. 26. Gabriela Mora, MA, Ph.D. Author and Professor Emeritus at Rutgers University. She specializes in Nineteenth and Twentieth-century Spanish American literature, the short-story, Modernism and women writers. 27. Iveth P. Mosquera. President of LUPE Fund, an organization that for more than 12 years has been educating, empowering, and engaging Latina women in New Jersey and beyond. 28. Isabel Nazario. Associate Vice President for Academic and Public Partnerships in the Arts and Humanities at Rutgers, the State University of New Jersey. She was appointed to this office in September 2004. Prior to this position, she was the founding director of the Center for Latino Arts and Culture, and executive director of the Office for Intercultural Initiatives, at Rutgers. 29. Ariagna Perello. Chair of the Newark Board of Education. First Latina chair in Newark. She is a small business owner in Newark, dedicated to mentoring and developing the artistic talents of Newark youth. She has awarded over $50,000 in college scholarships. 30. Martin Pérez. Partner at New Brunswick law firm Perez & Bombelyn. A nationally known and respected civil rights leader, who founded and presided over the Latino Leadership Alliance of New Jersey (LLANJ) for 17 years. Currently, he is a member of Rutgers University’s Board of Governors. 31. Paul Pérez. A retired military veteran and former member of the Senior Executive Service in the Federal Government; he ran for Mayor in Trenton in 2014. During his career, he has been Special Agent in the Criminal Investigation Command; security at the Pentagon, for U.S. officials and dignitaries. With his run for Mayor, Perez changed the political dynamics of Trenton. He lost his bid 5,569 to 4,410 votes. 32. Victoria F. Pratt. Chief Judge of the Newark Municipal. She has won an international reputation for her efforts to reform the criminal justice system. Through programs like the Newark Community Solutions Court Project, and a progressive approach

to procedural justice, Pratt is a pioneer of US Criminal Justice System Reform. She’s the first person of Dominican descent to become a Municipal Court Judge in the city's history. 33. Vincent Prieto. Assembly Speaker Vincent Prieto is the ranking member of the New Jersey General Assembly. He is also the chair of the Hudson County Democratic Organization. Hudson County is known for being a democratic stronghold. 34. Arlene Quinones-Perez. City Attorney for the City of Perth Amboy. She is from the Law Firm of DeCotiis, FitzPatrick & Cole, LLP. Perez is the first woman and first Latina to ever serve as City Attorney for the City of Perth Amboy. 35. Luis Quintana. Newark Councilman-at-large. He served as Newark’s acting mayor in 2013 and 2014, becoming the first Latino mayor of Newark. Council Member Quintana was elected to his first term as council member-at-large in the June 1994 run-off election. He is the first person of Latino descent to be elected to an at-large position in the Newark Municipal Council. 36. Miguel Rivera. President of National Coalition of Latino Ministers & Christian Leaders (CONLAMIC). A national leader whose presence and influence has been felt in the halls of U.S. Congress and statehouses around the nation, on issues affecting Latinos in the United States. 37. Richard Rivera. Former New Jersey police officer and recognized expert on police corruption. Has extensive experience in research and training that focuses on citizen complaints and use-of-force data in New Jersey. Has been instrumental in a large effort to make the state’s internal affairs system a national model of transparency, fairness and effectiveness. 38. Aritmedes Restituyo. President of Asociacion de Profesionales Hispanos de la Salud (APHSI). A pioneer in running health fairs that offer over 45 free medical tests and services to disadvantaged communities. 39. Christopher Rodriguez. Director of New Jersey Homeland Security and Preparedness (OHSP). Dr. Rodriguez comes to his new role from the Central Intelligence Agency in Morris County, where he has more than a decade of experience in a variety of analytical and management positions. He has been a senior analyst in the CIA’s Counterterrorism Center, tasked with monitoring terrorist groups in the Middle East and South Asia. 40. José Rodríguez. Pastor, Asambleas de Dios Church, Trenton N.J. A dynamic ‘old world’ pastor with

nY. Business Latino • Edition 46 |January-2016 P 5

a civic participation agenda for empowerment.

41. Joshua Rodríguez. Senior Pastor of The Cityline Church, in Jersey City, New Jersey. A Young and passionate afro-caribbean Pastor, Rev. Rodriguez is helping shape what a ‘politically effective Latino Evangelical Church’ should look like. 42. Teresa Ruiz. State Senator serving in district 29 which includes Newark, the state’s largest city. Her work in favor of in-state tuition within the Education Committee was outstanding. A rising star in the Democratic Party, expected to advance in her career with rumors swirling she could be the next senate president or possibly even the next Lieutenant Governor. 43. Esther Salas. Federal District Judge for the United States District Court for the District of New Jersey sitting in Newark. She had previously served as a Magistrate Judge in the same court since 2006, becoming the first Latina to serve in both positions. Known for her passion, generous spirit, and commitment to public service, Judge Salas is one of the most highly respected magistrate judges in New Jersey. 44. Mike Santiago. Mayor of Millville, NJ. A graceful and enthusiastic leader in Southern NJ. Active in the Latino Voting Power movement, with heighten awareness in the areas of politics, education, mental health, and economic development. 45. Lucilo Santos. Long-time Community leader and grass roots organizer, responsible for the ‘U.S. political assimilation’ of a large segment of NJ Dominican community. He was instrumental in the enactment of dual citizenship for Dominicans in the USA. 46. Cristina Schwarz. President and General Manager of WNJU, Telemundo’s station in Fort Lee, N.J. that serves the Tri-State Area. Schwarz was previously the vice president of Univision Cable Networks, where she oversaw several networks. 47. Milly Silva. Silva is the executive vice president of SEIU 1199. She helped the powerful labor group (which represents health care workers) take on for-profit health care. She was Barbara Buono’s running mate in the 2013 gubernatorial race. 48. Julio Tavarez. Councilman and former Paterson City Council President. A young intellectual political star in the state, with strong professional background in Business Administration, digital marketing, web design & development, and mobile application development. 49. Carlos Tejeda, MD. Specialist in Internal Medicine, Passaic. Head doctor at Center for Adult Medicine and Preventive Care, with an extensive history of promoting,

maintaining and improving health in the community through prevention, education and adequate screening and early intervention.

50. Giancarlo Tello. An advocate for undocumented students in New Jersey. His efforts helped in the passage of a law that allows undocumented New Jersey’s undocumented to pay in-state tuition at state universities. 51. Jose “Joey” Torres. Mayor of the City of Paterson. He was the mayor of Paterson from 2002 to 2010, making him the first Latino mayor in New Jersey’s third largest city. In 2010, he was defeated, but won again after beating the Democratic Party in 2014. 52. Andy Unanue is the current Managing Partner of AUA Private Equity Partners, private equity firm that targets Hispanic-oriented and family-owned companies. He is the former Chief Operating Officer of the family-owned Goya Foods, the largest Hispanic-owned food company in the United States. AUA Private Equity Partners currently manages five portfolio companies: Two-Twenty Records Management, Brighter Dental Solutions LLC, a regional dental practice management company. Born and raised in New Jersey, he is the grandson of Goya Foods founders Prudencio and Carolina. 53. Camelia Valdez. Passaic County Prosecutor. Valdez became the first Latina county prosecutor in New Jersey, and first lead prosecutor of Dominican ancestry in the United States, in 2009. She served as Municipal Prosecutor in the City of Newark, Deputy Attorney General in the New Jersey Attorney General’s Office, and as Assistant United States Attorney in the U.S. Attorney’s Office in Newark. Valdez is the immediate past president of the County Prosecutors Association of New Jersey. 54. Luis Vargas. Long-time Community Activist for Education. His ‘putting your money where your mouth is’ approach to advocating for quality and fair education for all children, has taken him to found a Charter School and to serve on its board of directors. 55. Raymond Martinez, Chair and Chief Administrator of the New Jersey Motor Vehicle Commission. Previously, he was the Deputy U.S. Chief of Protocol and Diplomatic Affairs for the U.S. Department of State and the White House. He served as the Commissioner for the New York State Department of Motor Vehicles, and Assistant General Counsel for the Long Island Power Authority, one of the largest public utilities in the nation.

NATIONAL NEWS

P 6 nY. Business Latino • Edition 46 |January-2016

U.S. immigration case could set

limits on presidential power "

The U.S. Supreme Court challenge to President Barack Obama's immigration policies could have an impact far beyond determining whether millions of undocumented immigrants can remain in the country. The case has the potential to constrain the power of Obama's successor to bypass Congress and act alone.

S Reuters.

hould Obama’s order blocking deportations for certain immigrants be invalidated by the justices, the decision could hamper future presidents' ability to craft policy through executive fiat, legal experts told

►"The question is not the merits of the immigration issue,” said T. Gerald Treece, a constitutional law professor at the South Texas College of Law in Houston. “The question is what the president's power is.” The high court said Tuesday it would hear the lawsuit brought by 26 states that seeks to overturn Obama's 2014 executive order that shields more than 4 million immigrants in the country illegally from deportation proceedings.

The Democratic Obama White House, vexed by a hostile, Republican-controlled Congress, has employed the president's executive authority with increasing frequency.

In addition to the executive order on deportations, Obama has acted alone to alter provisions of the Affordable Care Act, limit carbon emissions to combat climate change and toughen the requirements on firearms merchants. Should Obama lose before the Supreme Court, the case could tie the hands of a future president to act in similar ways. The immigration case likely will be argued before the Supreme Court in April, with a decision handed down at the end of June, guaranteeing that presidential power will be a front-burner issue as the race for the White House intensifies. In taking the case, the justices indicated they will consider whether Obama violated not just federal immigration statutes but the Constitution as well, raising the possibility that the court could articulate a forward-looking principle that limits the reach of a president’s executive authority - particularly with regard to domestic issues. Presidents historically enjoy more freedom to act unilaterally when it comes to foreign affairs. “If the Supreme Court rules against the administration on that ground, that would have a more positive impact on the limits of the president’s power on domestic policy,” said Todd Gaziano, a constitutional law expert with the conservative Pacific Legal Foundation and a former Justice Department lawyer.

The justices’ decision to allow a constitutional challenge to Obama’s actions was seized upon by Senator Ted Cruz of Texas, a leading contender for the Republican presidential nomination. Cruz, the former top advocate for the state of Texas before the Supreme Court, published an article last year in a Harvard Law School journal condemning what he termed the administration’s “lawlessness.” On the stump, however, Cruz has promised to roll back the Affordable Care Act as well as unilaterally terminate the Obama administration’s nuclear pact with Iran, both examples of aggressive presidential action. Presidents tend to favor a generous reading of their authority and resist any court-imposed limitations, said Kenneth Mayer, an executive power scholar at the University of Wisconsin. Indeed, in 2008, Obama ran for president criticizing President George W. Bush’s expansive use of executive

power, which included a warrantless wiretapping program and indefinite detention of terror suspects. Once in office, Obama continued many of Bush’s counterterrorism policies and has zealously guarded presidential power. During his second term, Obama declared a “Year of Action” and vowed to use his “pen and phone” to issue policy directives in the face of congressional inaction. The immigration order came soon thereafter. Cruz could experience a similar conversion should he reach the White House. “The world looks very different from the Oval Office than it does from the campaign trail,” Mayer said. Mayer predicts the court will not go as far as to set limits on a president’s executive power, and will instead likely narrowly tailor its ruling to the immigration issue in question. Still, he concedes with conservatives holding a 5-4 majority “it’s possible the court will impose some constraints.”

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OPINION

► So apparently Iowans are fed up and frothy and about to dismantle American politics as we’ve known it, upending the tired status quo of at least one party and possibly both. What exactly does this mean? It means they might caucus overwhelmingly for a Republican candidate — Ted Cruz or Donald Trump — who vows to cut yet more taxes, scale back government and get tough with our enemies. Or they might choose a socialist — Bernie Sanders — who would raise taxes, restore regulations and expand entitlements.

nY. Business Latino • Edition 46 |January-2016 P 7

So much for the political revolution. In 2016, everything old is new again.

The truth is that when it comes to challenging orthodoxies, the insurgents on both sides are way more retro than they are radical. And that may be why, no matter what transpires in Iowa, they’re destined to come up short. As a society, generally speaking, we now consider all modern history that isn’t trending on Twitter to be ancient and disposable. But trust me on this much: Proposing to raise income taxes past 50 percent on the wealthy and to reimpose the Glass-Steagall banking law isn’t taking Democratic politics in some radical new direction. It’s pretty much embracing the status quo for the vast majority of the 20th century. I find it stupefying every time I hear Sanders make his case for universal health care like almost every Democrat before him, as if President Obama’s most ambitious and divisive achievement — the largest new social program in almost 50 years — had never happened. It’s like he’s actually lifted his platform from Jesse Jackson or Jerry Brown (circa 1992) and isn’t going to let himself be distracted by anything that’s happened since. About the only truly new idea Sanders is floating is his “debt-free college” plan, which is really more of a slogan than a plan, and which hardly threatens to upend the political system in any event. Cruz, meanwhile, sounds to me not like some visionary neo-patriot, but rather like a late-night commercial for “Solid Gold Hits of the ’80s.” Federal austerity fused with religious fundamentalism was once called “Reaganism.” Add a little xenophobia, and you’re pretty much reading from the same script as Pat Robertson and Pat Buchanan. In fact, Republicans spent about 20 years near the end of the last century doing exactly what Cruz claims will

revolutionize Washington — slashing spending and taxes and reining in some social programs. The results weren’t so spectacular. You can make the same point about Trump, with his vow to re-create an America that wins again — which, near as I can tell, basically means going back to a time when the only thing standing between him and all the real estate in Manhattan were a couple of Japanese holding companies. Even Marco Rubio, who started his campaign talking persuasively about rethinking our dated notions of manufacturing and service industries and college education, has lately devolved into nostalgia, running mournful ads about this newfangled America he can no longer recognize. (I know someone who might appreciate a vintage White Sox uniform.) We’ve heard often — and I’ve probably said as much myself — that what’s at stake in these caucuses and primaries is the relevance of party establishments. But it seems to me we’re also testing the relevance of

the Republicans poised to win Iowa, for all their antiestablishment street cred, seem even slightly inclined to abandon the last century’s well-worn orthodoxies.

one of Bill Clinton’s central insights into politics. Presidential elections, Clinton famously said, are always about the future and not about the past. You can’t find an election in the past 50 years that doesn’t lend credence to this theory. Reagan’s pitch was all about “morning in America,” the promise on the horizon. Clinton championed the new economy and offered a “third way” out of the previous generation’s political stalemate, then built his “bridge to the 21st century.” George W. Bush’s “compassionate conservatism” promised a new approach to social and economic progress — and a break from his own party’s legacy of resistance. Obama’s campaign, rooted in his own identity, was about turning the page on de-

cades of division and intransigence. You have to wonder what President Clinton, by his own standard, makes of his wife’s campaign, which has to this point — as it did in 2008 — relied almost entirely on an argument about her résumé and stature, rather than offering any thoughtful framework for how government might keep up with transformative forces in the society. For this reason, among others, Hillary Clinton seems to me an eminently beatable frontrunner, both in the primaries and in a general election. But she’s mostly vulnerable to a challenger who can relegate her to the past while articulating a more hopeful, more modern vision of the next American chapter, as Obama did. And this is where Clinton finds good fortune (and really, she’s probably due for some): Neither Sanders nor

Of course, the other possibility, and I’m not dismissing it, is that this is the year when Bill Clinton’s axiom on elections no longer holds true. Perhaps unrest in the country is so profound, the primary electorates so ideologically pure, that nostalgia turns out to be an actual strategy. Maybe we’ve reached a point — after a string of presidencies premised on visions of a future, economic and social, that never fully materialized — where we’d rather retrench than rethink. Maybe this is throwback year, and it’s easier to go backward than look ahead. If so, then Iowa will launch Sanders or Cruz or Trump, or maybe all of them, into a primary season that won’t end until the conventions, and maybe not the way party leaders would hope. If that happens, though, don’t confuse it with the end of the status quo. It will be anything but that.

P 8 nY. Business Latino â&#x20AC;˘ Edition 46 |January-2016 With tax time fast approaching, you need to make sure your business is in compliance with the Affordable Care Act (ACA).

The act can be confusing for companies that need to keep track of changes to ensure that they meet employee coverage mandates, but sole proprietors have to prove they have acceptable coverage as well. To help, Intuit, the online accounting and tax software company, has launched a free online Affordable Care Act Resource Center that provides answers to many common questions in one place.

While much of the information is geared toward tax professionals, the portal has a dedicated small business channel that business owners, too, might find useful. It contains a summary of the law's provisions, including new phase-in periods for the mandate, basics on tax penalties, and information about the tax credit available to small business owners who provide health care plans to their employees. For example, there's a section outlining the law's provisions for 2015, which require businesses with 100 or more fulltime employees to offer qualified health plans, as well as for 2016, when businesses with just 50 or more full-time employees are required to do so. Additionally, the portal explains what types of workers qualify as fulltime employees, shows which Internal Revenue

The Place to Go Before You Do Your Business Taxes Just in time for tax season, Intuit has launched a new portal that helps entrepreneurs navigate the complexities of the Affordable Care Act. information business owners need, Intuit's portal is a helpful addition for entrepreneurs who want to make sure they've complied with the law by April 15.

Service forms they need to file in order to prove compliance or to receive a credit, and offers information about penalties. There's also key information about the coverage employees are required to have if they aren't covered

through work, in order to comply with the law's mandate for individuals.

find useful, offered through its Lacerte, ProSeries, and Intuit Tax Online services.

Lastly, Intuit's ACA center has a number of interactive tools for tax professionals that business owners may

While both the IRS and federal government have their own portals dedicated to the ACA, with plenty of

"New ACA tax forms are one of the biggest tax changes for businesses since the W-2, and there is a lot of misinformation out there," an Intuit spokeswoman told Inc. in an email. "[Intuit] created the Affordable Care Act Resource Center to provide business owners and tax professionals with a central place to get the right, up-to-date information."

nY. Business Latino • Edition 46 |January-2016 P 9

Why Obama's Final Budget Is a Win for Small Business In his last budget plan, the president has a proposal that would make it easier for small business owners to create worker retirement plans.

► In an increasingly competitive business environment where you're struggling to attract top talent, benefits for workers matter. A lot. And after health care, probably none matter more than retirement benefits. Unfortunately small business owners are at a disadvantage due to the administrative complexity and costs associated with setting up 401(k) plans for employees. As a result, the majority of workers for small businesses don't have access to such plans. Now

help may be on the way: In an attempt to remedy the disparity, President Obama announced Tuesday that his budget plan for fiscal year 2017 contains proposals that would make it easier for your company to set up a

401(k) easier. Among other things, the president's plan allows businesses to band together into buying pools, called multiple-employer plans (MEPs), that would reduce the administrative costs and other burdens of such retirement benefits. While some businesses--car dealerships, for example--already have access to buying pools within their industry, the president's program would allow other, unaffiliated businesses to band together. To help business owners pay for the new benefit, the budget would also provide tax credits for businesses that set up new retirement plans, or that automatically enroll employees in existing plans.

B:17.25” T:17”

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Additionally, workers in companies without access to workplace plans would be automatically enrolled in Individual Retirement Accounts (IRAs), an option that's currently available to such workers on a voluntary basis. Part-time workers would also be eligible to participate in the plans, and contract or self-employed workers would be able to contribute to MEPs as they move from job to job. ► According to the Obama administration, some 30 million U.S. workers lack access to a retirement plan. In broad terms, that equals one out of three workers, and half of workers in companies with fewer than 50 employees.

Several of the president's previous budgets have held similar provisions, but have not survived the budget-making process in Congress. In 2014, the Obama administration issued a directive to the Department of the Treasury to set up a plan called the MyRA, a streamlined IRA for workers. That initiative launched in 2015.

Diversity is the engine for success. In all aspects of our business in building, selling and financing world-class automobiles, it’s your partnership and commitment to diversity that propels us into the future. Welcome to Texas, New Home of Toyota.

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COMMUNITY

P10 nY. Business Latino • Edition 46 |January-2016 It’s tax season again, and you’ll likely be required to file a tax return within the next few months. There is plenty of advice being published about tax deductions, strategies to save money, and ways to keep your personal information safe when you file. However, not much is said about all of the ways you could potentially screw up your taxes. With that in mind, here are 10 mistakes you’ll want to avoid when preparing your 1040.

1. Mathematical errors — If the numbers on your tax return don’t add up, it could greatly increase the likelihood of an audit. The IRS receives a copy of all W-2 and 1099 forms mailed to you, so they check what you’re supposed to report. For example, if you have two W-2s, one for $40,000 and another for $10,000, and you incorrectly report income of $41,000, it can trigger an audit. 2. Misspellings — The IRS’s computers may kick back returns if words are misspelled — especially if names don’t match up. For example, if I were to spell my name “Matthew” one year and “Mathew” the next, it could potentially create an unnecessary problem. 3. Incorrect bank account information — You have the

option of requesting that your return be direct deposited into one or more bank accounts. However, make sure to double-check the account numbers you enter. Incorrect bank information could cause your refund to disappear.

4. Forgetting to report some income — It’s tough to

Ways to Screw Up Your Taxes This Year

Double-check your return before you file.

“forget” the income It’s tough to “forget” the income from your primary job, but smaller W-2s and 1099s are easier to forget about. For example, if you worked a part-time job last January, you may not even remember to look out for a W-2 and file your tax return without it. However, you can be sure that the IRS won’t forget about that income.

for you, but it pays to take the time and make sure. Just to give you an idea, you would be better off itemizing if your deductions exceeded $6,300 (single filers), $9,250 (head of household), or $12,600 (married filing jointly).

5. Wrong filing status — “Single” and “married filing jointly” are the most common, but did you know there are five options you can choose from. Specifically, one major oversight is filing as single instead of “head of household” if you have a qualified person living in your home. This can cost you quite a bit of money — head of household filers qualify for an additional $2,950 standard deduction over singles, as well as more favorable tax brackets.

cash rarely forget to claim them at tax time. However, smaller cash donations are often overlooked, as are donations of property, which are often a hassle to document. Small donations — even of a few dollars — can really add up throughout the year, so it pays to save your documentation.

7. Ignoring some charitable contributions — Taxpayers who donate large sums of

8. Not signing your return — The IRS

won’t process an unsigned tax return, even if it was e-filed. This isn’t a common mistake, but it’s worth mentioning. After all, forgetting to sign your return is a silly reason for a processing delay.

9. Filing or paying too late — The tax filing 6. Not itemizing deductions — Many people simply claim the standard deduction without checking if it’s the most beneficial option for them. The standard deduction may indeed be the best choice

deadline for your 2015 return is April 18, 2016, and you must either file your return or request an extension by that date — no exceptions. The penalties for not filing on time can be severe. If you owe the IRS money, it must be paid by the April 18 deadline even if you file an extension, or interest and penalties will begin to accumulate.

10. Not filing at all — The penalties for filing late are harsh, but they’re nothing compared to the consequences for not filing a tax return at all if you’re required to do so. There are some individuals that will tell you that filing a return isn’t necessary for a variety of reasons (it’s unconstitutional, etc.). They are lying. Failing to file a return comes with a penalty of 5% of your tax owed per month or portion of a month you’re late. Take your tax return seriously

Some of these are admittedly rare, especially in the modern era of electronic filing. For example, few people submit an unsigned return to the IRS anymore (although it does happen). However, some of these are quite common, such as mathematical errors or misspellings — and these are mistakes that could lead to an audit.

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incakolausa

P12 nY. Business Latino • Edition 46 |January-2016

Nutrition for Life annual Humanitarian Mission to Dominican Republic. The largest private Health program in the Dominican Republic

"Nutrition for Life Health Program"

Inca Kola and NY Business will once again join Friends of Lead Free Children at its annual Humanitarian Mission in Dominican Republic. The delegation will be visiting hospitals in the capital city of Santo Domingo as well as the orphanage at Schoenstatt Convent in La Victoria to educate and donate prenatal supplements to pregnant women as well as multivitamins to the children.

The delegation will be visiting hospitals in the capital city of Santo Domingo as well as the orphanage at Schoenstatt Convent in La Victoria to educate and donate prenatal supplements to pregnant women as well as multivitamins to the children. The Friend's of Lead Free Children Organization's primary exempt pur-

pose is: To establish health programs on research, screening, and education for Lead Poisoning and Prevention, and the reduction or elimination of Lead exposure to families living in developing countries. The program has been successfully established and implemented for over 10 years and has been helping Dominican

and Hatian pregnant women to deliver healthier babies. Approximately 51 million prenatal supplements have been donated to 143,000 high risk Dominican and Haitian pregnant women in 31 Maternity Hospitals and community health clinics participating in the program throughout the island.

COMMUNITY

nY. Business Latino • Edition 46 |January-2016P13

INCA KOLA AWARDS CHARITY CHOPPER LIVE ON AXS TV TO BENEFIT EASTER SEALS VETERANS COUNT Denver CO. On January 15th, 2016 Inca Kola awarded the ESNY Veterans Count Charity Chopper to Luis Rosero of Jackson Heights, NY. The presentation took place at RFA34 at the 1st Bank Center in Broomfield, CO. Luis was overwhelmed with emotion when he was notified that he was the winner. "I never expected to win, I just wanted to support a great cause" exclaimed Rosero. During the presentation ceremony Luis commented on how proud he was of the efforts of CFandB/Inca Kola to support such a worthy cause. Ed Soares, president of the RFA stated that he was looking forward to working with CFandB/Inca Kola again in 2016 on additional innovative promotions. We want to thank all of our partners for their help with this project: RFA, AXSTV, Orange County Choppers and Easter Seals NY. The project was the brain child of Randall Berman COO of Continental Food and Beverage Inc. "This was such a unique approach to fund raising for the Non Profit ESNY Veterans Count program" stated Aris Pavlides, Senior VP Development ESNY. The Charity Chopper project united together 4 organizations of completely different backgrounds for one common cause, Military Veterans. Andrew Simon, CEO of AXS

TV, stated “This cause has raised funds for such an important segment of our society, veterans. We commend Inca Kola for doing such a great job.” The one of a kind Chopper was built by the world famous Orange County Choppers. The custom design blends the theme of Inca Kola's Peruvian heritage with the raw power of our nation’s military. The result was a beautiful one-off aggressive bike that screams Orange County Chopper style! About Inca Kola Continental Food and Beverage Inc. is the exclusive bottler for Inca Kola a brand of The Coca Cola Company. CF&B has been bottling Inca Kola since 1980 when it when it first appeared in the United States. A soft drink that British immigrant José Robinson Lindley created in 1935, Inca Kola is a source of national pride and patriotism in Peru, and is available in parts of South America, North America, Europe and Asia through Latin American specialty shops worldwide. In the United States, Continental Food and Beverage Inc. is the exclusive licensed bottler for Inca Kola, which is sold in two-liter bottles, 20oz bottles 10oz glass bottles 12oz cans, and they even have a Diet version. For more information on Inca Kola,

please visit www.incakolausa.com and Facebook.com/incakolausa. About AXS TV AXS TV is a cable television network dedicated to providing the best in music programming and festivals, comedy performances, current events and mixed martial arts promotions. AXS TV is a partnership between founder Mark Cuban, AEG, Ryan Seacrest Media, Creative Artists Agency (CAA) and CBS. For more information on AXS TV, please visit www.axstv.com and Facebook.com/axstv. About RFA Founded in 2011 and based in Las Vegas, Resurrection Fighting Alliance (RFA) serves as a developmental organization for ﬁghters who want to get into the Ultimate Fighting Championship (UFC). RFA has a long-term television deal in place with AXS TV and provides RFA ﬁghters with the opportunity to showcase their skills and gain the experience needed to fight at the highest level of the sport. RFA events air live nationally on AXS TV and is considered one of the most respected MMA stages in the fastest growing sport in the world. For more information on RFA,

please visit www.rfafighting.com and Facebook.com/RFA. About Orange County Choppers Orange County Choppers (OCC) is a world famous custom motorcycle manufacturer founded in 1999 by Paul Teutul Sr. At their facility based in Newburgh, NY, Paul Sr. and his team of custom fabricators design, engineer and manufacture unique choppers. Orange County Choppers has been the center of the hit TV reality series “American Chopper”. American Chopper debuted in September 2002 on the Discovery Channel. They continue to entertain millions of people worldwide on a weekly basis. OCC bikes are customized and built around a theme or, increasingly, for a broad spectrum of motorcycle enthusiasts around the world. Paul Sr. has appeared on numerous TV shows including the Celebrity Apprentice, Jay Leno, David Letterman, Good Morning America, Jimmy Kimmel and countless other nationally televised talk shows. Paul Sr’s tough guy image is contradicted by his tireless involvement with various charities (HVSPCA, Make-AWish, St Jude’s Children’s Hospital, Boys and Girls Club of America).

COMMUNITY

P14 nY. Business Latino • Edition 46 |January-2016 Univision News and the League of United Latin American Citizens (LULAC) have partnered to present a forum with the final Democratic and Republican presidential candidates. The forum will take place at the 87th LULAC National Convention and Exposition in Washington, D.C.

UNIVISION NEWS AND LULAC TO HOST PRESIDENTIAL CANDIDATES FORUM

►Fewer people than expected are purchasing health insurance under President Barack Obama's health care law, a report confirmed.

The signature event, aimed at familiarizing Hispanic and millennial audiences with the policies and platforms of the presidential primary election winners will air on Univision Network and will be livestreamed across Univision's and FUSION’s digital platforms in both Spanish and English.

WHEN: Thursday, July 14, 2016

univision.net, @UCIPRTeam

WHERE: The Newseum, 555 Pennsylvania Avenue, N.W., Washington, D.C. 20001

Geoff Nolan, 770-545-9881, gnolan@lulac.org

Reaching 55 million, the U.S. Hispanic population is the nation’s largest minority group. In 2016, Latino voters are poised to once again play a decisive role in the presidential elections.

Event and media credentialing details to be released at a future date.

ADDITIONAL INFORMATION:

CONTACT:Jose Zamora, 305-925-8835, josezamora@

Paloma Zuleta, 202-812-4477, pzuleta@lulac.org

About Univision News Univision’s award-winning News division is committed to informing the country’s fastest growing segment across all media platforms, including TV, Radio, and Interactive. Hispanics count on the latest and most relevant content that impacts the community through: “Not-

iciero Univision,” the Network’s evening, late evening and weekend national newscast; Sunday public affairs program “Al Punto” (To The Point); newsmagazine shows “Aquí y Ahora” (Here and Now) and “Primer Impacto” (First Impact); as well as morning news segments on “Despierta América” (Wake Up America). Univision has strengthened its news team and expanded its news operations by adding Investigative and Documentary Units. About The League of United Latin American Citizens

(LULAC) The League of United Latin American Citizens (LULAC) is the nation’s largest and oldest civil rights volunteer-based organization that empowers Hispanic Americans and builds strong Latino communities. Headquartered in Washington, DC, with 1000 councils around the United States and Puerto Rico, LULAC’s programs, services and advocacy address the most important issues for Latinos, meeting critical needs of today and the future. For more information, visit Lulac.org.

THE WORD

nY. Business Latino • Edition 46 |January-2016P15

Global health body under pressure to stop Zika virus The United States said it will block people who have visited regions impacted by the virus from donating blood in a bid to fight its spread.

► The World Health Organization will hold a special session on Thursday on the Zika virus as the U.N. agency comes under pressure for quick action against the infection linked to thousands of birth defects in Brazil that is spreading through Latin America and the Caribbean. WHO Director-General Margaret Chan was set to address the agency's executive board in Geneva as countries took new steps on Wednesday to try to stop the mosquito-transmitted virus linked to the dangerous birth defect called microcephaly. The United States said it will block people who have visited regions impacted by the virus from donating blood in a bid to fight its spread. The U.S. Food and Drug Administration said it is working with other federal agencies, blood collection establishments and industry organizations to quickly implement "donor deferral measures for travelers who have visited affected regions in order to protect the blood supply in the United States."

on the WHO to convene a special emergency session of health and infectious disease experts to consider declaring Zika a serious health crisis that endangers international public health.

Brazilian President Dilma Rousseff said her country must wage war against the Aedes aegypti mosquito that spreads the virus, focusing on getting rid of the insect's breeding grounds. The mosquito thrives in dense tropical cities, and Rousseff called for the elimination of stagnant water spots where it lives and reproduces.

► The WHO's leadership admitted last April to serious missteps in its handling of the Ebola crisis, which was focused mostly on three West African countries and killed more than 10,000 people. Some critics have said the WHO's slow response played a major role in allowing the epidemic to balloon into the worst Ebola outbreak on record.

U.S. researchers called on the WHO to take swift action. Georgetown University researchers urged Chan to heed the lessons of Ebola and called

AIRLINES OFFER RE

FUNDS ► Airlines are reacting to concern among pregnant women about travel to affected countries. Chile-based LATAM Airlines LAN.SN (LFL.N), Latin America's largest carrier, said it would offer refunds or the opportunity to change destination to pregnant women and their traveling companions with international flights booked to Brazil, Colombia, Mexico, and other affected countries. U.S. airline United Airlines (UAL.N) expanded its program allowing customers with reserved tickets for travel to impacted regions to postpone their trips or obtain refunds with no penalty. A tropical climate, dense cities,

poor sanitation and slipshod construction provided ideal conditions for mosquito breeding grounds and the spread of the Zika virus in Brazil's northeast, across the country and to more than 20 others throughout the Americas. There is no vaccine or treatment for Zika, which is a close cousin of dengue and chikungunya and causes mild fever, rash and red eyes. An estimated 80 percent of people infected have no symptoms, making it difficult for pregnant women to know whether they have been infected. Lucey said only Chan had the authority to convene an emergency meeting of top experts on the International Health Regulations' Emergency Committee to consider declaring Zika a

"Public Health Emergency of International Concern." "That in my view clearly needs to happen, and should have happened already," Lucey said. Convening the meeting would allow for global coordination of travel advisories, research priorities and infection control measures, he said. There was word of more cases outside the affected region among travelers who had been to those countries. Portugal said five people tested positive after recent trips to Brazil. Four similar cases were reported in New York, as well as single cases in California, Minnesota, Virginia and Arkansas among people who had traveled to the affected region.

BIG GAME

P16 nY. Business Latino • Edition 46 |January-2016 The Super Bowl will celebrate its golden anniversary when the Carolina Panthers meet the Denver Broncos in Super Bowl 50 on Feb. 7. Hopefully this edition can earn a spot near the top of our list as we rank the first 49 Super Sundays ► 1. XLII (2007) New York

► 2. XLIX (2014) Patriots 28,

Seattle Seahawks 24: It will forever be remembered for Russell Wilson’s goal-line interception with the game hanging in the balance when the Seahawks could have given the ball to bruising RB Marshawn “Beast Mode” Lynch. The loss likely denied Seattle's shot at a dynasty while burnishing the Patriot Way. QB Tom Brady won a record-tying third MVP award as he and coach Bill Belichick collected their fourth title together but first in a decade.

► 3. XXIII (1988) San Francisco 49ers 20, Cincinnati Bengals 16: Probably the first legitimate Super Bowl classic. In what was perhaps Joe Montana's defining performance – yet ironically the only time he didn’t win MVP honors – he led an 11-play, 92yard drive that culminated with a game-winning TD pass to John Taylor with 34 seconds to go. Jerry Rice's Super Bowl record 215 receiving yards earned him the MVP award. It was also Hall of Famer Bill Walsh’s final game as an NFL head coach.

► 4. XLIII (2008) Pittsburgh

Steelers 27, Arizona Cardinals 23: It had a little bit of everything – Pittsburgh LB James Harrison's 100-yard INT return to end the first half, a furious fourth-quarterback comeback by decided underdog Arizona, and Ben Roethlisberger's laser shot to the back corner of the end zone to toe-tapping Santonio Holmes for the win. The Steelers remain the only team to win six Lombardi Trophies.

49 Ranking all

Giants 17, New England Patriots 14: Arguably the biggest upset in Super Bowl history, the Giants derailed New England's march to the still-elusive 19-0 campaign with an unrelenting pass rush, David Tyree's miraculous helmet catch and Eli Manning's MVP performance.

Super Bowls: Which was best of all time?

Hopefully this edition can earn a spot near the top of our list as we rank the first 49 Super Sundays

► 5. XXXIV (1999) St. Louis

Rams 23, Tennessee Titans 16: The "Greatest Show on Turf" scored its third-fewest points of the season, but MVP Kurt Warner's gamerecord 414 passing yards and LB Mike Jones' tackle of Tennessee’s Kevin Dyson just shy of the goal line on the final play proved sufficient.

► 6. XXV (1990) Giants 20,

Buffalo Bills 19: New York played keepaway from Buffalo's explosive K-Gun offense, holding the ball for nearly 41 minutes, and got nice efforts from MVP Ottis Anderson (102 yards, TD) and backup QB Jeff Hostetler. But the Giants only survived thanks to Scott Norwood's wayward 47-yard field goal in the final seconds.

► 7. XXXVI (2001) Patriots 20,

St. Louis Rams 17: In one of Super Sunday’s hugest upsets, few realized this game also represented the beginning of a dynasty, coronation of a genius (Belichick) and birth of an icon as Brady won his first MVP. And there's no forgetting Adam Vinatieri's game-winning, upright-splitting 48-yard field goal at the gun

► 8. XLVI (2011) Giants 21,

Patriots 17: For the second time in five seasons, New York broke Boston's heart as Eli Manning completed another improbable throw – this time to Mario Manningham – before the Giants scored a late go-ahead TD and weathered the Patriots' final drive.

► 9. XXXII (1997) Denver

Broncos 31, Green Bay Packers 24: Denver QB John Elway finally got his first ring (on his fourth attempt), though MVP Terrell Davis was the day's star (157 rushing yards, 3 TDs). The AFC also ended a 14-year losing streak to the NFC.

► 10. XLV (2010) Packers 31,

Steelers 25: QB Aaron Rodgers completed Green Bay's four-game run as playoff road warriors with a 304-yard, three-TD effort that earned him the MVP award and a place next to Bart Starr and Brett Favre as a Packers legend while denying Pittsburgh’s “Stairway to Seven.”

► 11. XIII (1978) Steelers 35,

Dallas Cowboys 31: In the first Super Bowl shootout, the Steelers became the first team to win the

game three times by outlasting a Cowboys comeback bid in another memorable matchup full of big plays (mostly Pittsburgh's) and missed opportunities that would ultimately doom Dallas.

► 12. XXXVIII (2003) Patriots

32, Carolina Panthers 29: One of the stranger games in Super Bowl history – the teams combined for 61 points despite scoreless first and third quarters – may be better remembered more for Janet Jackson's infamous halftime show than a pivotal late-game drive led by Brady and capped with more heroics from Vinatieri.

► 13. X (1975) Steelers 21,

Cowboys 17: MVP Lynn Swann only made four catches, but they were laden with drama over the course of 161 yards and a decisive touchdown in a game that would help establish Pittsburgh as the team of the 1970s.

► 14. XLVII (2012) Baltimore

Ravens 34, 49ers 31: A second-half Superdome power outage sparked the 49ers, who nearly completed a comeback after finding themselves

in a 28-6 hole in the third quarter. MVP Joe Flacco finished one of the best postseason runs ever by a quarterback, while Ravens LB Ray Lewis earned a second ring in his final ride.

► 5. XLIV (2009) New Orleans

Saints 31, Indianapolis Colts 17: The Saints ended decades of futility courtesy of MVP Drew Brees’ pinpoint passing, coach Sean Payton's surprise onside kick to start the second half and CB Tracy Porter's game-sealing pick six of Peyton Manning.

► 16. XIV (1979) Steelers 31,

Los Angeles Rams 19: Despite winning just nine regular-season games, the Rams gave the Steelers all they could handle before Pittsburgh pulled away in the fourth quarter on its way to becoming the only team to win four Super Bowls in six years. QB Terry Bradshaw was named MVP for the second year in a row.

► 17. III (1968) New York Jets

16, Baltimore Colts 7: It wasn’t a scintillating game, but it was probably the most important one in NFL history. MVP Joe Namath

BIG GAME

nY. Business Latino • Edition 46 |January-2016P17

made good on his pre-game guarantee as New York struck a blow for AFL equality a year before the merger by stunning the NFL’s heavily favored Colts. It remains the Jets' only title.

Defense" didn't allow a point – Washington scored on K Garo Yepremian's special teams blunder – as the Dolphins, who entered the game as an underdog, completed the only undefeated season (17-0) of the Super Bowl era.

► 18. XXXI (1996) Packers 35,

► 25. XXII (1987) Redskins 42,

Patriots 21: Thirty years after winning the first Super Bowl, the Pack returned to win their third as Gulf Coast native Favre passed for two TDs and rushed for another in front of a New Orleans crowd. However return man Desmond Howard was named MVP.

► 19. XXXIX (2004) Patriots

24, Philadelphia Eagles 21: New England withstood a late Philly charge – or did the Pats benefit from a lack of conditioning on the part of Eagles QB Donovan McNabb? – to become the second team to win three Super Bowls in four years. 20. XVII (1982) Washington Redskins 27, Miami Dolphins 17: MVP John Riggins' 43yard touchdown in the fourth quarter broke a 17-17 tie to give Washington coach Joe Gibbs the first of his three titles. Riggins finished with a then-record 166 yards, giving him 610 in four playoff games.

► 21. XXX (1995) Cowboys

27, Steelers 17: Dallas survived, thanks to some gift interceptions from Pittsburgh QB Neil O'Donnell, and became the first team to win three Super Bowls in a four-year span. The Cowboys also joined the 49ers as five-time Super Sunday winners.

► 2. XVI (1981) 49ers 26, Bengals 21: San Francisco launched its dynasty and Montana won the first of his record three Super Bowl MVP awards. The Niners hung on thanks in part to a key goal-line stand to thwart Cincinnati, which scored three secondhalf touchdowns after trailing 20-0 at halftime.

► 23. XLI (2006) Indianapolis

Colts 29, Chicago Bears 17: MVP Peyton Manning earned his lone ring while Indianapolis’ Tony Dungy became the first black coach to win on Super Sunday during a rainy night in South Florida.

► 24. VII (1972) Dolphins 14,

Redskins 7: Miami’s "No Name

Broncos 10: Washington QB Doug Williams struck a social blow as the first black quarterback to win the Super Bowl after orchestrating a breathtaking, 35-point second quarter that saw him throw four TD passes on his way to MVP honors. Timmy Smith rushed for 204 yards, a record that still stands, behind “The Hogs,” Washington’s famed offensive line.

► 26. XXI (1986) Giants 39,

Broncos 20: MVP Phil Simms had one of the greatest Super Sundays ever, completing 22 of 25 passes for 268 yards and three TDs, as the Giants rode 30 second-half points to their first Super Bowl triumph.

► 27. I (1966) Packers 35,

Kansas City Chiefs 10: Green Bay, with help from hung-over backup WR Max McGee (138 receiving yards, 2 TDs), did the expected in the first AFL-NFL Championship Game, which didn't even sell out the Los Angeles Coliseum. However not everyone remembers that Vince Lombardi's troops only led by four points at halftime.

► 28. V (1970) Baltimore Colts

16, Cowboys 13: It was the first Super Bowl with any sense of drama as rookie Jim O'Brien, who'd had an extra point blocked earlier in the game, drilled the decisive 32-yard field goal with 5 seconds left. But a sloppy game was marred by a rib injury to Colts QB John Unitas and 11 turnovers.

► 29. XXVIII (1993) Cowboys

30, Bills 13: Buffalo gave Dallas a better fight, leading 13-6 at the half, in a rematch but ultimately couldn't contain league MVP and Super Bowl MVP Emmitt Smith (132 rushing yards, 2 TDs). It was the Bills' fourth consecutive Super Bowl loss, a joint accomplishment and curse.

► 25. XXII (1987) Redskins 42,

for 204 yards, a record that still stands, behind “The Hogs,” Washington’s famed offensive line.

► 26. XXI (1986) Giants 39,

► 27. I (1966) Packers 35,

► 28. V (1970) Baltimore Colts

► 29. XXVIII (1993) Cowboys

► 35. XXIII (1998) Broncos 34,

Atlanta Falcons 19: Elway's final NFL game cemented him as an alltime great as Denver repeated thanks to an MVP effort (336 passing yards, TD pass, TD run) from its 38-yearold gunslinger.

36. XXVII (1992) Cowboys 52, Bills 17: Dallas’ Triplets -- MVP QB Troy Aikman (4 TD passes), RB Smith (108 rush yards, TD) and WR Michael Irvin (114 receiving yards, TDs) – were no match for the Bills (9 turnovers) in the final Super Bowl played at the iconic Rose Bowl. However Buffalo WR Don Beebe’s goalline strip of Leon Lett, who was returning a recovered fumble, prevented Dallas from setting a new scoring record.

► 37. XV (1980) Oakland Raiders

27, Eagles 10: With the Superdome wrapped in a yellow ribbon welcoming home American hostages from Iran, the Raiders were less than welcoming to the Eagles as they became the first wild-card team to go all the way.

► 38. IV (1969) Chiefs 23, Vi-

Broncos 10: Montana saved his best Super Sunday for last, winning his third MVP with 297 passing yards and five touchdowns as the Niners repeated while setting Super Bowl records for points scored and margin of victory.

► 44. XXVI (1991) Redskins 37,

Bills 24: The game wasn't nearly as close as the score indicates. Washington won its third and final championship under Gibbs, who had a different quarterback each time, including MVP Mark Rypien on this day.

► 45. XII (1977) Cowboys 27,

Broncos 10: In the first Super Bowl staged indoors (the Superdome had been open just three years), Dallas crushed its former quarterback, Craig Morton, and error-prone Denver (eight turnovers). It was the only Super Bowl with co-MVPs (defensive linemen Harvey Martin and Randy White).

► 46. VIII (1973) Dolphins 24,

► 39. II (1967) Packers 33,

► 47. XXXV (2000) Ravens 34,

Oakland Raiders 14: The aging Pack won their fifth and final championship of the 1960s in Lombardi's last game with the franchise.

40. XVIII (1983) Los Angeles Raiders 38, Redskins 9: Washington entered the game viewed as one of the most formidable teams of all time. The Raiders put that notion to rest with MVP Marcus Allen providing the exclamation point with his epic 74-yard TD run.

► 33. IX (1974) Steelers 16,

► 41. XXIX (1994) 49ers 49, San

Vikings 6: After 42 barren seasons, a young Steel Curtain gave Pittsburgh its first NFL title thanks to suffocating defense and MVP Franco Harris' 158 rushing yards, a Super Bowl record at the time.

Diego Chargers 26: No one gave the Bolts a chance, and the Niners proved that outlook correct. MVP Steve Young emerged from Montana's shadow to pass for a gamerecord six TDs as San Francisco became the first team to win five

34. XX (1985) Bears 46, Patriots

Super Bowls.

10: The upstart Patriots actually led 3-0 before the vaunted '85 Bears defense shuffled its way to a blowout that did not include the touchdown Hall of Famer Walter Payton had long desired.

► 43. XXIV (1989) 49ers 55,

kings 7: In a dominant performance, the Chiefs ensured the AFL-NFL rivalry would forever be knotted 2-2 just months before the leagues officially merged. QB Len Dawson won MVP honors after being erroneously linked to gambling scandal before the game.

32, Minnesota Vikings 14: At the sun-splashed Rose Bowl, the Raiders won their first title – and only one under John Madden – by physically dominating the Purple People Eaters. The Vikings failed to win the Super Bowl in their fourth and most recent attempt.

► 32. XI (1976) Oakland Raiders

defense that returned three Rich Gannon INTs for TDs highlighted the only title in Bucs history.

► 42. XXXVII (2002) Tampa

Bay Buccaneers 48, Oakland Raiders 21: It's remembered as the Jon Gruden Bowl after the coach was traded from the Raiders to Tampa Bay before the season. But an elite

Vikings 7: MVP Larry Csonka rushed for a then-Super Bowl record 145 yards (Bob Griese only threw seven passes) as Miami repeated with a team many considered stronger than the 17-0 group of 1972.

Giants 7: One of the most dominant defenses ever pitched a shutout (the Giants' points came via a kickoff return). Controversy swirled around Lewis all week, but he finished it with MVP honors.

► 48. VI (1971) Cowboys 24,

Dolphins 3: Years before they were christened "America's Team," Tom Landry's Cowboys finally shed a reputation for choking in big games by holding Miami to the fewest points of any Super Bowl on a 39-degree day at New Orleans' Tulane Stadium.

49. XLVIII (2013) Seahawks 43,

Broncos 8: The chasm between pre-game expectations and final outcome may have been the widest in the game’s history. Seattle's Legion of Boom defense stifled a Peyton Manning-led offense that had scored a league-record 606 points.

P18 nY. Business Latino â&#x20AC;˘ Edition 46 |January-2016 The Carolina Panthers 4915 win over the Arizona Cardinals Sunday night not only clinched the team a berth in Super Bowl 50 and title as NFC Conference champion, but also made some history for Latinos.

BIG GAME

Panthers Coach Ron Rivera did what only one other Latino in history has done - take a team to the NFL's prestigious Super Bowl contest. Rivera's team left little question it deserved to go, crushing the Arizona Cardinals, who had denied the Green Bay Packers a chance to bid for a championship ring. The Panthers will take on the Denver Broncos, who beat the 2015 Super Bowl champion New England Patriots, 20-18 Sunday afternoon.

â&#x2013;şAccording to ESPN, Rivera was the first player of Mexican and Puerto Rican descent to play in the NFL when he was drafted by the Chicago Bears in 1984. And was only the third Latino to become a head coach in the NFL when he was hired by the Carolina Panthers in 2011. The son of a Puerto Rican father and Mexican-American mother, Rivera guided his team to a 18-1 record at a time when there has been a maturing of North Carolina's Latino immigrant Latino population that first started expanding a couple of decades ago. Rivera, an Army brat, was born at Fort Ord, Calif. His team's slot in the Super Bowl comes as some Latinos are pushing for Hall of Fame recognition for Tom Flores, the first Latino and the first minority coach to win a

Panthers' Ron Rivera is Second Latino Coach to Guide Team to Super Bowl Rivera's success was being noted on social media, including a shout out from Charlotte, North Carolina Mayor Jennifer Roberts.

Super Bowl. In fact, his teams won two, when he coached the Oakland Raiders, winners of Super Bowl XV, and when he coached the Los Angeles Raiders, winners of Super Bowl XVIII. Flores also was a member of a Super Bowl winning team as a player and as an assistant coach. Rivera's success was being noted on social media, including a shout out from Charlotte, North Carolina Mayor Jennifer Roberts.

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