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UnemploymenT woRse foR CalifoRnia asians


  • pg 1
									                             How a Bad Economy Affects Asian Americans
                                                                                                                     FAll/Winter 2010

UnemploymenT woRse foR CalifoRnia asians
     Since the recession began in December
2007, 55 percent of adult workers in the
U.S. report that they have been unemployed,
suffered a pay cut or forced to work
reduced hours. The unemployment rate
in California has been consistently worse
than most other states, and these last two
years have been especially hard on workers
in the Bay Area. The Asian Pacific Fund
wanted to understand how the economic
downturn has affected Asian Americans
and learn how different Asian communities
have fared.
     Even though national and state
unemployment rates for African American
and Latino are consistently higher than
that of Asians, Asian Americans are
concentrated in California and make
up nearly 26 percent of the Bay Area
population. In comparison, only 8 percent
of people in the region identify as African   A worried, young women looks for jobs.                                   Winston Davidian
American, and Latinos are around 22
percent of the population. The large size     Unemployment Trends by Race                    January 2008. Trend lines show the steepest
of the Asian community in the Bay Area—            Asian Americans are the only major increase for Asians and Pacific Islanders,
more than 1.6 million people—means that       racial or ethnic group in California for and job loss continued to mount steadily
even a relatively low unemployment rate       whom unemployment worsened every for Asians over the next year and a half.
would still affect many Asian families.       quarter during the first year of the downturn,      The number of unemployment claims
     The      Unemployment        Insurance   from January 2008 through March 2009. filed by Asians and Pacific Islanders
Program provides weekly payments to           The percent increase in unemployment                                     ► see JoBs, Page 6
workers who have lost their job through no    claims from the previous quarter grew
fault of their own. This state government     consistently for Asians, whereas all other
program is funded by companies that pay       groups experienced either slower growth           inside This ediTion:
taxes on the wages paid to employees.         or a decrease in claims from the previous
The Asian Pacific Fund analyzed initial       quarter (Figure 1).                               Page 2: foreclosures plauge asian
claims for unemployment insurance                  More Asians and Pacific Islanders                    homeowners
by race and ethnicity for every quarter       filed for unemployment each quarter. Other
from January 2008 through June 2010           groups experienced brief unemployment
to serve as a proxy for unemployment in       spikes, as Hispanics did in October-              Page 4: Ripple effects of the economy-
California. This data from the California     December 2008, but usually saw a notable                  not just about cash
Employment Development Department             decrease in initial claims by the following
was supplemented with information from        quarter. For Asians and Pacific Islanders,        Page 5: funding cuts put community
the U.S. Bureau of Labor Statistics.          however, there has been no respite since                  services in danger
  2                                                                                                    Asian Outlook - Fall/Winter 2010

asians losing homes to foreclosure
                                                                                           because many Asians like Kai borrowed
                                                                                           money to purchase a home relatively
                                                                                           recently, when the housing bubble pushed
                                                                                           up property values and house prices.

                                                                                           asian home ownership
                                                                                                Buying a home has long been
                                                                                           considered a reliable way to build wealth,
                                                                                           perhaps the best long-term investment a
                                                                                           person can make. Asian home ownership
                                                                                           has historically lagged behind whites,
                                                                                           but the percent of Asian owner-occupied
                                                                                           housing units increased by 15 percent from
                                                                                           1990 to 2007, when six in 10 Asians owned
                                                                                           their home. When many financially stable
                                                                                           Asian immigrants found a way to purchase
                                                                                           houses over the last 20 years, we viewed
                                                                                           this surge in Asian homeownership as a
                                                                                           positive development.
      Kai and his wife had always hoped to and language barriers make it difficult to find      Asians continued to buy property even
buy a house, a home to raise their small accurate information. Educational materials when the houses became far less affordable
family and count their blessings. They are often not translated into languages like due to a rapid increase in house prices and
came to the U.S. in the 1970s as Laotian Chinese, Tagalog, Vietnamese and Korean. property values starting in 2001. Greater
political refugees, and when they finally          Many people sign documents they do demand for housing in metropolitan areas,
bought a two-bedroom house in 2005 by not fully understand, despite consumer the rise in homeownership, and other factors
pooling funds with Kai’s brother, they saw protection laws for those unfamiliar with inflated house prices and values, according
it as the reward for long years of hard work. financial terminology. For example, banks to research by Theresa Firestine and Paul
In September 2008, however, their success and lenders that negotiate agreements Ong of the UCLA School of Public Affairs.
unraveled unexpectedly. Kai and his wife primarily in a spoken or written language People continued to buy property, but
had thought that buying a house was the other than English must provide translations owning a home became more expensive
way to get ahead. But that was before of the agreement in the borrower’s language because household income stagnated and
economy tanked, before Kai’s brother lost for review before signing. This applies did not keep pace with inflation from 2000
his bank job, and before their house went to loans, extensions of credit secured by to 2007.
into foreclosure.                             property, and rental contracts, but many          As a result, monthly housing costs took
      Sadly, Kai’s story is surprisingly companies fail to comply.                         a large bite out of the household budget.
common in Asian American communities               Buying a home is usually an In 2007, for example, one in five Asian
today, and thousands of Asian families overwhelming and confusing experience for homeowners were paying 50 percent or
have lost their houses since 2007. Asian even repeat buyers. People often trust their more of their income on housing costs, even
Americans are more likely to be recent mortgage brokers and real estate agents in though experts recommend spending no
homeowners and are more vulnerable in the the purchase process, or wrongly assume more than 30 percent of a household’s gross
current housing crisis than other groups.     that their lenders would say something if income on mortgage, home equity loans and
     Approximately 67,000 Asian families there was any doubt about a borrower’s property taxes. Despite these guidelines, 41
lost their homes between January 2007 ability to repay the loan.                           percent of Asian homeowners were living
and the end of 2009—more than 204,000             According to the Center for Responsible in unaffordable housing in 2007, compared
Asian Americans. Some of them simply Lending, Asians who received a loan to buy to only 27 percent of whites.
did not realize that the houses they wanted a house between 2005 and 2008—even                  This outsized financial burden made
were outside their means, but many others middle-class buyers—were more likely recent borrowers especially vulnerable to
who qualified for conventional loans were to be at risk of foreclosure between 2007 default and foreclosure. Recent purchasers,
duped into taking subprime loans that have and 2009 compared to white borrowers. including many Asians, paid more than the
a much higher risk of default.                African Americans and Latinos have very houses were really worth and more than
      First-time homebuyers who are high foreclosure rates, but it surprises they could afford, and they also have much
immigrants often do not understand all the many people to learn that an estimated 4.6 higher tax liability than longtime property
steps involved in buying a house in the U.S. percent of Asians homeowners who took owners. California saw the highest home
Nearly 1.6 million Asians in California out loans between 2005 and 2008 have appreciation rates of any state, and Asian-
report speaking English less than very well, already lost their homes. This is partly owned homes increased 144 percent in
  Asian Outlook - Fall/Winter 2010                                                                                                  3

value between 2000 and 2007. Some others to keep housing costs low. Asian
families borrowed against the value of their households tend to be larger than those of       editor’s note
homes to stay afloat, and these practices whites or African Americans increasing
multiplied losses when property values overcrowding (i.e., more than one occupant                 Concerns about the economy have
crashed.                                       per room in the house).                        dominated our attention for the past
     Homeownership among Asians grew                According to the Asian Real Estate        year, and the fate of Asians who are
by 8 percent between 2000 and 2007, more Association of America, 16 percent of                most vulnerable and the agencies that
than for any other racial or ethnic group, Asian households in the Bay Area are               serve them is naturally part of that
and experts say that people who borrowed overcrowded, compared to only six percent            concern. The number of Asians who
in this period are at heightened risk of of the total population. In San Francisco            live in poverty has always been about
foreclosure. This recent growth in Asian alone, the percent of overcrowded Asian              the same as the general population,
homeownership means that Asians are households is more than five times                        but information about Asians is often
more likely to have purchased homes when that of overcrowded white households.                not reported.
prices and property values were especially Overcrowding is even worse for renters;               This issue of Asian Outlook presents
high, and when the cost of living was on nearly one-third of all Asian renters in the         information about the impact of the
the rise. Now that the housing bubble has Bay Area live in crowded homes.                     economic downturn on two aspects
burst, Asians in California are among those         Communal living also means that           of economic well-being, employment
at greatest risk of losing their homes.        when one Asian-owned or -rented house          and housing.
     Houses are the largest asset for most faces foreclosure, there are fewer relatives          We gathered information from
Americans, and the foreclosures represent outside the household in a position to offer        government agencies, advocacy and
an immense loss of wealth for Asian temporary assistance. By pooling resources                service organizations, and mainstream
communities. Many families can no longer to buy property, Asian families have less of         media and we also interviewed several
use their home equity to start a new business, a safety net when they find themselves in      Asian American experts.
finance their retirement, or pay their child’s financial trouble.                                 The Asian Pacific Fund is a
college tuition. Left worse off than before,                                                  community foundation created to
many are stuck paying off a mortgage far            Asian Americans are more seriously        improve the health and well-being of
greater than their house is worth.             affected by the housing crisis than many       all Asian Americans the Bay Area.
                                               realize, but the forecast continues to         In our effort to help donors learn
extended impacts                               darken. We have already seen around 2.5        about pressing community needs, the
     When one Asian home is threatened by million foreclosures completed nationwide           Asian Pacific Fund publishes Asian
foreclosure, more people find themselves since 2007, and thousands of Asian                   Outlook to focus public attention on
in trouble than if another household were families are at least two payments behind           mainstream issues as they affect Asian
in the same situation. This is because on their mortgage. Credit Suisse predicts              Americans in our region.
Asians tend to have larger households and that foreclosure figures will total more
are more likely to live in overcrowded than 8 million by the end of 2012, and the
homes with members of extended family recession has caused the net worth of the             foreclosure prevention counseling and help
than other groups.                             average American household to shrink by      people like Kai modify their loans. But for
     Many Asians who bought a house in about 20 percent, according to reporting by          every one person able to keep his house,
the 1990s and 2000s were only able to do the New York Times.                                we expect that many more Asian families
so by sharing the home with relatives, and          Bay Area organizations like Lao         will lose their homes to foreclosure in the
new immigrants commonly room with Family Community Development provide                      coming years.

                                                                   did you know?
                                                                      Bay area average income
                                                                           asian: $36, 368
                                                                           white: $48,338
                                                                      asians earn less = less able to cover housing costs
                                                                                           = less ask to recover from foreclosure
  4                                                                                                              Asian Outlook - Fall/Winter 2010

      what about renters?
           Some foreclosed properties have          may neglect a property and default on          Assemblymember Fiona Ma, D-San
      multiple units, like apartment buildings      mortgage payments even as they are             Francisco. She recently described to the
      and condominiums. Forty-two percent           collecting rent.                               Fund an assembly bill to increase the
      of Asians in California rent their housing,        Tenants are sometimes given very          penalty for impersonating a landlord.
      and responsible tenants who are the           short notice to move out, which results in     These scammers take advantage of
      unwitting victims of the foreclosure          the sudden displacement of people who          families moving to downsize, or those
      crisis.                                       have limited resources and few alternate       reentering the rental market after losing
           Nearly 26,000 Bay Area renters           housing options. Most cities do not have       a home.
      were affected by foreclosure last year.       local “just cause for eviction” laws,              “People need housing, and this
      According to the National Low Income          where a landlord must have a legitimate,       person says, ‘Well, I’ve got a long
      Housing Coalition, renters occupied 35        specific reason to force a tenant out of his   waiting list; if you don’t give me the first
      percent of units that foreclosed between      home. Even though tenants are legally          and last month’s rent in cash, I’m going
      January 2007 and March 2009 in                entitled to 90-days notice under federal       to have to give it to someone else,’” said
      California, including 5,700 rental units      law, many Asian renters are forced out         Ma. “So people run to the bank and take
      in Contra Costa County alone.                 of their homes and end up living with          out money, and they give it to this person.
           Renters are usually the last to know     friends and relatives in places far from       And they find out this person didn’t have
      of the property owner’s default and           their jobs and schools.                        the authority to rent the place. This is
      impending foreclosure, and are evicted            “It seems like people are preying          happening more and more.”
      through no fault of their own. Owners         on those less fortunate,” said

                                  more than the money—Ripple effects of a Bad economy

      William lost his job at a high-tech firm earlier this year, and       to diseases. The body’s stress response can increase the risk of
yet his workweek rituals remain the same. He puts on a clean shirt          high blood pressure and stroke, and prolonged exposure to stress
 and tie every morning, and packs his briefcase and laptop before           hormones can cause insomnia and exhaustion. Emotional distress
 leaving the house. William’s wife and two children assume that he          can also aggravate chronic conditions like asthma, diabetes and
 is headed for the same Silicon Valley office where he has worked           tuberculosis. This can increase the cost of care, which is a big
 for the past three years. But William actually spends his days             concern for Asians who do not have health insurance, including
 in libraries and cafes scouring online job listings, writing cover         one in three Korean Americans.
 letters, and e-mailing his resume to potential employers.                       People often cope with stress by engaging in unhealthy
      “I didn’t tell my family about the layoff because I don’t want        habits as a way to feel better, like smoking cigarettes, abusing
 them to worry,” William told veteran journalist Lloyd LaCuesta.                                alcohol and drugs, or binge eating. These
“I pretend I’m at work while trying to find a new                                               behaviors put people at increased risk of an
 job. I’m hoping that I can find one before my                                                  array of health problems, and World Health
 unemployment benefits runs out.”                                                               Organization reports that Asians may already
       For people like William, the reality of this                                             be more susceptible to weight-related health
 economic downturn is undeniable, and the                                                       problems like heart disease and diabetes than
 devastating ripple effects are more personal and                                               other groups.
 far-reaching than job statistics indicate. Job loss                                                     Financial insecurity and job-related
 and home foreclosure not only affect a family’s                                                stress can also manifest violently at home
 finances, but they also disrupt routines, add to                                               behind closed doors. The New York Times
 household tension, and erode both mental and                                                   reported that the recession has prompted an
 physical health.                                                                               increase in teenaged runaways who left home
       Financial worries and job instability can trigger feelings of        after arguments with their parents, for example. The Asian
 helplessness and depression. Despite these common symptoms,                Women’s Shelter in San Francisco told the Asian Pacific Fund
 however, Asian Americans are often reluctant to seek counseling            that it has seen a dramatic increase in calls to its crisis hotline, and
 or other forms of psychological help due to the stigma associated          in a survey conducted by the Mary Kay Foundation, 77 percent
 with mental illness. Some Asians may mistrust therapists, have             of domestic violence organizations across the country reported an
 problems communicating in English, or are not be receptive to              increase in women seeking help in the last two years.
Western treatments like talk therapy and anti-depressant medication.             These are just a few unexpected ways that the recession can
Asian cultures have distinctive beliefs about the causes of mental          deeply impact Asian American families. It may seem natural to
 illness that are not always compatible with the models used by             think of foreclosure and unemployment as isolated economic
 U.S. health professionals.                                                 problems, but in reality, the economic downturn carries social
       Stress not only undermines well-being but can also                   implications that affect all of us and require a community-wide
 compromise the immune system, making people more susceptible               response.
  Asian Outlook - Fall/Winter 2010                                                                                                                        5

funding cuts threaten services for asians
     Non-profit organizations have suffered
severe funding cuts in recent years as
government grants and other public support
for essential services have declined. This
revenue shortfall means that non-profit
organizations face hard decisions about
cutting services at a time when there are
even more people in our communities who
need help.

effect of the Recession
     The Asian Pacific Fund surveyed 94
Bay Area Asian community organizations
to learn how local groups have fared over
the last 18 months, and all the respondents
(33) said they were affected by the recession,
including 36 percent who said they were
severely affected.                               Patients wait for hours at a community health clnic.                 Ben Shingleton, www.thaigardendesign.com
     More than one-third of local Asian
organizations have already taken the             language and are specially trained to meet              coincide with an increased demand for
drastic step of eliminating a program in         their needs.                                            services. More people require help due
the last 18 months, and nearly 60 percent             Advocates work with every survivor                 to rising unemployment, loss of health
of respondents expect to spend less in the       of domestic violence to create a plan for               insurance, home foreclosure, and related
coming year.                                     finding safe affordable housing and a                   financial difficulties. The 2010-2011
     The state of California eliminated its      steady job, and enrolling children in school            state budget will increase Medi-Cal co-
Domestic Violence Program last year, for         or childcare, for example. Each of these                payments, for example, and Governor
example. Shelters for survivors of domestic      steps contributes to violence-free self-                Schwarzenegger has proposed ending
violence lost $20.4 million in funding, and      sufficiency, but the components are more                in-home care for 360,000 seniors, and
this unexpected cut forced some shelters to      difficult to piece together in an economic              cutting temporary cash assistance and job
close for good. The Asian Women’s Shelter        downturn.                                               placement help for low-income families
in San Francisco managed to stay open                                                                    with young children.
and keep its staff whole, but it also lost                                                                    This lack of government services
$207,000, its largest annual grant and 10          “The budget is incredibly lean.                       for Asians who have fallen on hard times
percent of its operating budget.                                                                         only increases the burden on non-profit
                                                   We have to continue to deliver                        organizations. Around 90 percent of survey
    “To not be able to count on what
has historically been our largest source           more services with less money.”                       respondents reported an increase in demand
of support is very destabilizing,” said                                                                  for services in the last 18 months.
Executive Director Aiko Pandorf. “The                                                                         Some organizations plan to increase
budget is incredibly lean. All our costs              To make matters worse, staff must                  expenses in the coming year to accommodate
are going up and yet that big piece is not       devote additional time and energy to                    this growing community need, but many
there. We have to continue to deliver more       replace lost funding, which distracts from              groups say they do not enough staff to meet
services with less money.”                       direct service programs. Struggling shelters            the demand. More than two in five local
     The elimination of the state Domestic       now rely even more heavily on one another               Asian organizations have had to lay off
Violence Program and other funding cuts          to plug service gaps, so providing mutual               staff in the last 18 months, and others are
by city and county governments have local        aid adds to the pressure on employees.                  considering salary freezes or a reduction in
organizations reeling, including Asian               “We get calls from shelters that had                operating hours to trim expenses.
Women’s Shelter, Korean Community                to lay off a Cantonese-speaking women’s
Center of the East Bay, Narika, and Asian        advocate saying, ‘We have a woman                       Community Response
                                                 who’s been with us for two months, and                       Grants by community foundations
Americans for Community Involvement.                                                                     cushion the immediate impact of funding
The immigrant women whom these groups            she hasn’t had one counseling session yet               cuts for service agencies. They are
must turn away often have trouble getting        in her language. Can you please spend an                especially important since many donors
service from mainstream agencies. Some           hour with her?’” said Pandorf. “It’s almost             feel less able to give large gifts right now,
may end up at homeless shelters and              an impossible situation.”                               and charitable contributions by individuals
food banks instead of a safe, confidential       increased demand                                        and corporations across the country have
place where advocates speak their native              Unfortunately,         the    funding       cuts   dropped since 2009. Not only are there
  6                                                                                                                           Asian Outlook - Fall/Winter 2010

fewer donations, but gift amounts have                             underserved Asians in a vulnerable time.       must diversify funding sources so that
shrunk over the last two years, according                               The Fund has helped local Asian           they do not face huge budget gaps in an
to a recent GuideStar survey.                                      community groups with both short-              economic downturn.
     The Asian Pacific Fund made grants in                         term relief and long-term strategies to            Nearly 64 percent of local Asian
2009 and 2010 to preserve the quality of                           strengthen fundraising from individual         nonprofits said that raising funds was their
important service programs and sustain core                        donors. Three in four Bay Area Asian non-      highest priority in the coming year, and
services. These grants cannot make up for                          profit organizations said they rely on the     the Asian Pacific Fund continues to invest
the devastating funding shortfall, but they                        same funders every year to provide at least    resources to help agencies achieve their
are an important step toward protecting                            50 percent of their revenue. Organizations     fundraising goals for a more secure future.

JoBs more asians filed for benefits each quarter
continued from Page 1

peaked in January-March 2009, nearly                                Unemployment by asian ethnicity               the Asians in California, but they filed 41
double the number of claims filed a year                                Some Asian ethnic groups are              percent of unemployment claims.
before (Figure 2). By June 2009, Asians                            disproportionately affected by job loss than        A large number of Filipinos filed
and Pacific Islanders had filed around                             others (Table 1). Chinese and Vietnamese       initial claims, but they are also one of the
620,000 initial unemployment claims over                           groups have filed far more unemployment        most populous Asian American groups in
18 months.                                                         insurance claims than expected, while all      California. It seems that Indian, Korean
     The drop in initial claims after                              other groups seem to be less affected by       and Japanese groups are the least affected
March 2009 means that the pace of layoff                           job loss.                                      and are underrepresented in the count of
slowed. Asians were still being let go, but                             Around one in 10 Asians in California     initial unemployment insurance claims.
starting in April 2009, there were fewer                           are Vietnamese, but they make up nearly
newly unemployed each quarter. The                                 one-third of the unemployment claims           picture worse in Reality?
unemployment picture for Asians is still                           filed from January 2008 through June 2010.         Initial unemployment insurance claims
worsening, just not quickly as before.                             Chinese people comprise 26 percent of          are a proxy for actual unemployment

                                                      Initial Unemployment Insurance Claims Filed in California,
                                                                 by Race/Ethnicity (Jan 2008-Mar 2009)

      Percent Change from Previous Quarter in
          Number of Initial UI Claims Filed






                                                       White                  Black                       Hispanic                Asian & Pacific Islander

Figure 1. Asian Americans are the only major or ethnic group whose unemployment worsened every quarter during the first year of the economic downturn.
Source: California Employment Development Department
  Asian Outlook - Fall/Winter 2010                                                                                                                                                                        7

rates in this analysis, and only 43 percent                                                         Unemployment Insurance Claims Filed by Asians & Pacific Islanders in California
of Asians and Pacific Islanders who filed                                                  90,000

claims stated a specific Asian ethnicity.
The actual picture may be even worse for                                                   80,000

Asians overall and for specific Asian ethnic
groups since some people are not eligible                                                  70,000

for unemployment insurance benefits, like
many self-employed.

                                                          Number of Initial Claims Filed

   Asian Americans are the only                                                            40,000

   major racial or ethnic group in
   California for whom                                                                     30,000

   unemployment worsened every                                                             20,000
   quarter during the first year of
   the downturn.                                                                           10,000

                                                                                                    Jan-Mar   Apr-June   July-Sep   Oct-Dec   Jan-Mar   Apr-June   July-Sept   Oct-Dec   Jan-Mar   Apr-June
     People in communities with a high                             2008     2008    2008    2008     2009      2009   2009      2009    2010     2010
proportion of recent immigrants may not
realize they are eligible for benefits and do Figure 2. The number of unemployment claims filed by Asians and Pacific Islanders peaked in January-March
not file unemployment insurance claims. 2009. The subsequent drop in initial claims means that unemployment continued to worsen, just not as quickly
Many people are unaware of assistance as before.
                                                     Source: California Employment Development Department
programs or are less familiar with U.S.
application procedures. Non-citizens who
are eligible for unemployment benefits, like the recession expect it will take at least is aimed on keeping jobs here in California.
long-time legal immigrants, must submit three years to recover, according the Pew Trying to generate more jobs so that we
additional paperwork that verifies their Research Center, and experts say that job can decrease the unemployment, that is the
immigration status and demonstrates they creation in California will occur slowly. mantra for the legislature.
are authorized to work in the U.S.,which The UCLA Anderson Forecast predicts that
may discourage them from seeking the state’s unemployment rate will remain
government aid.                                      high, at 12.1 percent for the year and stuck          Only one in ten Asians in Cali-
                                                     in double digits through the end of 2011.             fornia is Vietnamese, but they
     Asian workers have fared poorly in                  “It is shocking, the fact that the Asian          make up nearly one-third of the
recent years, and many have spent months unemployment numbers have been steadily
or even years actively searching for work. increasing,” said Assemblymember Fiona
                                                                                                           unemployment claims filed.
More than six in 10 American families Ma, D-San Francisco. “Everyone’s focused
who say their finances suffered during on unemployment right now, and our focus                                Even though Asian unemployment
                                                                                                         today is not as dismal as in 2009, full
                                                                                                         recovery will take a long time. San Francisco,
                         Unemployment Claims by asian ethnicity                                                     San Jose and Oakland are among
                                                                                                                    the most expensive cities to live
 Asians who               Initial Claims Filed             Percent of Initial Percent of Asian                      in the country, and those without
 Reported Ethnicity (Cumulative, January 2008-June 2010) Claims Filed               Population in CA                jobs cannot afford to stay here
 Chinese                  67,347                           41.2%                    25.9%                           for long. Though the picture is
                                                                                                                    grim, people at various levels—
 Vietnamese               51,881                           31.7%                    12%
                                                                                                                    in government, in churches, in
 Filipino                 29,299                           17.9%                    25.2%                           every neighborhood—are all
 Indian                   6,878                            4.2%                     10.3%                           working hard to turn the tide.

 Korean                      2,428                                                          1.5%                         9.6%
 Japanese                    2,286                                                          1.4%                         6.1%
 Laotian                     1,952                                                          1.2%                         1.3%
 Cambodian                   1,551                                                          0.9%                         1.8%
Table 1. Chinese and Vietnamese in California seem disproportionately affected by job loss than other Asian
Source: California Employment Development Department
8                                                                                                    Asian Outlook - Fall/Winter 2010

you Can help                                                                              Board of directors
     By the time a family faces                                                             Raymond L. Ocampo Jr. (Chairman)
foreclosure or unemployment, it has                                                         Andrew Cuyugan McCullough
often already turned to a community                                                         (Treasurer)
organization for other kinds of                                                             General Counsel – Syufy Enterprises
assistance. Some health care problems                                                       David Chun
cannot be deferred, for example, and                                                        Chief Executive Officer – Equilar Inc.
the stress of financial insecurity can                                                      Mohan Gyani
cause      debilitating    psychological                                                    Vice Chairman – Roamware
symptoms. Many agencies report an
                                                                                            Nelson Ishiyama
increase in requests for help when they                                                     President – Ishiyama Corporation
are also facing cuts.
     Donating to programs that provide                                                      Robert Lee
low-cost health care and other crucial                                                      Andrew Ly
services are investments in a brighter                                                      Sugarbowl Bakery &
future for our community. The                                                               Ly Brothers Corporation
Asian Pacific Fund provides grants
                                                                                            Catherine Buan Peterson
and services to many community               campaigns throughout the year. All             Vice Chairman – American Red Cross,
organizations throughout the region          of our grant recipients are fiscally-          Santa Clara Valley
that are struggling to help all the Asians   responsible organizations where your           Satish Rishi
who have fallen on hard times. Our           donation can make a real difference in         Chief Financial Officer – Rambus
grants are made possible by generous         individual lives
                                                                                            Clara Shin
donors who either earmark their gifts             For more information on how you           Director – Howard Rice Nemerovski
for a particular cause or contribute to a    can join our effort and support struggling     Canady Falk & Rabin
general fund.                                Asians in the Bay Area, contact us at
                                                                                            Thuy Vu
     Many of the organizations we            (415) 433-6859 or visit our web site,          Journalist – CBS 5
support have their own fundraising           www.asianpacificfund.org.
                                                                                            Jerry Yang
                                                                                            Co-Founder & Chief Yahoo! – Yahoo!

                                                                                            Emerald Yeh
                             want to learn more?                                            Journalist

            Center for Responsible Lending, www.responsiblelending.org
             UCLA Asian American Studies Center, www.aasc.ucla.edu

special thanks to Corinne Jan of Family Bridges, Fiona Ma of the California State
    Assembly, Paul Ong of the UCLA School of Public Affairs and Aiko Pandorf of
    Asian Women’s Shelter for contributing their expertise and time in interviews.

    We also appreciate the help of Eric Dang of the Office of Assemblymember
    Fiona Ma and Melany Dela Cruz-Viesca of the UCLA Asian
    American Studies Center.
                                                                                          225 Bush Street, Suite 590
staff                                                                                     San Francisco, CA 94104
    Jennifer A. Lee: Communications & Program Coordinator                                 Tel: (415) 433-6859
    Golda Marie A. Hernandez: Scholarships & Program Coordinator
    Gail M. Kong: Editor and Executive Director & President

    Benita Tsao: Writer, Editor & Researcher

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