Ensuring Access to Fair and Affordable Financial Services: A survey report on barriers faced by low-income immigrants in NYC

Access to fair and affordable financial services is a critical economic justice issue facing immigrant New Yorkers -- across income, language and cultural groups. Despite NYC's sizable immigrant population -- nearly 40% of New Yorkers, or close to three million people, are foreign-born -- and despite New York's status as the nation's banking capital, NYC banks are conspicuously not at the national forefront in providing services to immigrants.In 2006, the Network designed and implemented a city-wide Immigrant Banking Survey to increase understanding about immigrant New Yorkers' financial services experiences and needs. The survey gathered information about immigrants' access to bank accounts, as well as their use of credit and methods of sending remittances to their home countries. The Network survey team interviewed approximately 600 immigrant New Yorkers between August 2006 and January 2007. Surveys were gathered at community fairs, workshops, schools, churches, food pantries and other locations, as well as through on-the-street interviews. All surveys were conducted verbally by trained staff and volunteers, in respondents' native languages or a language in which they were proficient. Survey results did not differ significantly between randomly interviewed community members and constituents of nonprofit organizations. Findings presented in this report are based on 546 valid surveys completed by immigrants from 74 countries. Findings may be applied to the NYC immigrant population as a whole. The size and diversity of the sample, however, does not allow us to make generalized comparisons among all nationalities.NEDAP released a preliminary summary of survey findings in 2007. This report provides more detailed findings and includes recommendations for expanding equitable financial services access in immigrant communities

Spectral averaging techniques for Jacobi matrices

Spectral averaging techniques for one-dimensional discrete Schroedinger operators are revisited and extended. In particular, simultaneous averaging over several parameters is discussed. Special focus is put on proving lower bounds on the density of the averaged spectral measures. These Wegner type estimates are used to analyze stability properties for the spectral types of Jacobi matrices under local perturbations

A Never Ending Journey: The Impossibilities of Home in \u3cem\u3eSirena Selena vestida de pena\u3c/em\u3e and \u3cem\u3eFlores de otro mundo\u3c/em\u3e

Reconsiderations of home have been crucially examined in Caribbean cultural productions. As Jamil Khader argues in her article on “Subaltern Cosmopolitanism: Community and Transnational Mobility in Caribbean Postcolonial Feminist Writings,” Caribbean feminists are faced with the task of challenging a conventional idea of home that has historically located women and other marginal subjects under conditions of oppression and exploitation. In focusing on the narratives by Aurora Levins Morales, Rosario Morales and Esmeralda Santiago, she points out the infinite sense of homelessness that invades, in particular, these Puerto Rican individuals who need to find more productive manners to articulate “home” while establishing a crucial critique of its traditional significance. Despite the postcolonial approach unfolded by Khader and by those Caribbean feminist scholars, the contemporary works I analyze in this article show a complex dialogue and juxtaposition between a desire for traditional home and the above mentioned sense of homelessness inherent to Caribbean marginal subjects

Dark Forces Searches at KLOE-2

Direct searches of dark matter are performed at accelerator facilities. The existence of a new vector boson has been postulated in different scenarios where in the most basic scheme the coupling to the SM can be achieved via a kinetic mixing term due to the U boson. The KLOE experiment at DA$\phi$NE searched for the U boson both in Dalitz decays of the $\phi$ meson and in continuum events. For all of these searches an upper limit for the U boson coupling $\epsilon^{2}$ has been established in the mass range $50 \, \text{MeV} < m_U < 1000\,\text{MeV}$. A summary of the different models and searches along with results are presented.Comment: Acta Phys. Polon. B 201

Truncation symmetry type graphs

There are operations that transform a map M (an embedding of a graph on a surface) into another map in the same surface, modifying its structure and consequently its set of flags F(M). For instance, by truncating all the vertices of a map M, each flag in F(M) is divided into three flags of the truncated map. Orbanic, Pellicer and Weiss studied the truncation of k-orbit maps for k < 4. They introduced the notion of T-compatible maps in order to give a necessary condition for a truncation of a k-orbit map to be either k-, 3k/2- or 3k-orbit map. Using a similar notion, by introducing an appropriate partition on the set of flags of the maps, we extend the results on truncation of k-orbit maps for k < 8 and k=9

Investment Rate vs Relative price of Investment

In this paper I accomplish a levels account exercise across countries in order to calculate contributions from differences in the relative price of investment and the investment rate to differences in the physical capital-output ratio -and consequently in output per worker- across countries. I find that differences in the relative price of investment account for most differences in the physical capital-output ratio across countries and, consequently, if capital share on income is broadly consistent with national income accounts data, they have a moderate importance in accounting for differences in output per worker. However, differences in the investment rate account for very little disparity in physical capital-output ratio and output per worker across countriesPhysical capital-output ratio; Output per worker; Investment rate; Relative price of investment