A Great Big Country

Watchdog ◽  
2020 ◽  
pp. 135-146
Author(s):  
Richard Cordray
Keyword(s):  
New York ◽  
Military Personnel ◽  
Las Vegas ◽  
The United States ◽  
Student Loan ◽  
Older Americans ◽  
Access To Credit ◽  
Financing Higher Education ◽  
Elder Financial Abuse ◽  
Financial Issues

Consumer problems are everywhere, but the issues differ dramatically across the United States: from lack of access to credit in the impoverished Mississippi Delta, to scammers in New York City, to rampant foreclosures in Phoenix, Las Vegas, and Tampa. Along with traveling the country to experience and understand issues in local communities, the Consumer Financial Protection Bureau broke down the immensity of serving 320 million Americans by focusing on specialty populations. This chapter describes this work: the bureau’s Office of Servicemember Affairs, which secured new protections for military personnel and their families; its Office of Students, which addressed student loan issues and improving choices about financing higher education; its Office for Older Americans, which sought to crack down on elder financial abuse and educate families dealing with late-life financial issues; and its Office of Financial Empowerment, which worked to reduce the shockingly high costs and risks of living in poverty.

The First Phase of the Empire State’s “Triple Transition”: Banks’ Influence on the Market, Democracy, and Federalism in New York, 1776–1838

1997 ◽  
Vol 21 (4) ◽  
pp. 521-558
Author(s):  
Robert E. Wright
Keyword(s):  
United States ◽  
New York ◽  
Civil War ◽  
Well Being ◽  
The United States ◽  
Party Politics ◽  
Market Forces ◽  
Bank Account ◽  
Access To Credit ◽  
Market Democracy

The story usually goes something like this: Colonial Americans lived in a world very different from that of the generation that fought the Civil War. Locals wielded the tools of government most of the time; rarely did distant officials attempt control, and when they did they were usually roundly rebuffed. Politicians “stood” for positions of honor rather than “running” for lucrative posts. A man’s surname was a crucial determinant of his socioeconomic well-being. Artisans and yeomen deferred to gentlemen. Barter predominated as little “cash” circulated. Custom and family, not market forces, dictated the allocation of credit. Change of all types occurred slowly. By Martin Van Buren’s presidency some threescore years later, America was a very different place. Though still evolving, the United States exuded modernity, at least in its general outlines. Politicians and bureaucrats in state capitals, and even Washington, increasingly affected Americans’ everyday lives. Party politics and patronage took on increased importance as plutocrats plied for patronage posts. A man’s bank account meant more than his lineage. Gentlemen feared the artisans and yeomen they once easily ruled. Cash was abundant, and the market determined most access to credit. Societal conditions changed apace. Generally speaking, over these decades America is described as becoming less “aristocratic” and “mercantile,” or even “feudal,” and more “democratic” and “capitalist.”

scholarly journals In the Red: Debt, Financial Well-Being, and Retirement Preparedness Among Older Adults

2020 ◽  
Vol 4 (Supplement_1) ◽  
pp. 694-694
Author(s):  
Julie Miller ◽  
Julie Miller
Keyword(s):  
Older Adults ◽  
New York ◽  
Financial Literacy ◽  
Well Being ◽  
Safety Net ◽  
The United States ◽  
Student Loan ◽  
Economic Security ◽  
Retirement Preparedness ◽  
The Impact

Abstract Over the past twenty years, total debt for Americans ages 70 and over has increased more relative to all other ages group- by 543% according to the Federal Reserve Bank of New York (2019). Higher rates of debt among older adults have been attributed to a range of factors including expanded access to consumer credit, the capability for people to borrow from 401(k) plans, increases in costs of living, and limited financial literacy, among others. Related research of adults nearing retirement age who carry debt points to delayed retirement timing, lower levels of retirement savings, and higher risk and rates of bankruptcy. This symposium introduces timely investigations of retirement planning and economic security among older adults with debt. The first presentation will provide an overview of the impact of financial hardship on health among older adults in the United States over a recent ten-year period. The second presentation will focus on over-indebtedness among pre-retirees. The third presentation will examine the role of safety net services and borrowing from retirement plans among older adults with debt, particularly among older adults of color. The fourth and final presentation will focus on student loan debt as a hurdle to near-term and long-term financial security for older women in particular. A discussant will comment on how, together, the aforementioned papers contribute to our understanding of economic wellbeing and retirement preparedness in this era of increasing longevity. The session will integrate policy and programming implications for gerontological professionals.

Eyes Wide Open or Not

2010 ◽  
Vol 23 (5) ◽  
pp. 342-355 ◽  
Author(s):  
William D. Cabin ◽  
Marianne C. Fahs
Keyword(s):  
New York ◽  
New York City ◽  
Neighborhood Effects ◽  
Leisure Time ◽  
Leisure Time Physical Activity ◽  
The United States ◽  
Sensory Impairment ◽  
Senior Center ◽  
Older Americans ◽  
Using Data

Depression is significant among older Americans in the United States. A literature review found only five studies on the interrelationship between individual and neighborhood effects in predicting depression among older Americans. This article presents the results of exploring this interrelationship using data from the Brookdale Demonstration Project Initiative on Healthy Urban Aging (BDI). The BDI database is from a sample of 1,870 enrollees in New York City senior centers in 2008. The BDI analysis finds the association with depression is highest with visual impairment ( p = .000); frequent falling ( p = .000); lower income ( p = .000); little leisure-time physical activity ( p = .000); low neighborhood satisfaction ( p = .000); trouble hearing ( p = .000); arthritis/rheumatoid arthritis ( p = .001); and being disabled ( p = .005). Implications for senior center and home care provider collaboration on early preventive interventions relating to sensory impairment, depression, and conditions related to falls and the built environment are discussed.

Delilah—encrypting speech

2017 ◽  
Author(s):  
Jack Copeland
Keyword(s):  
United States ◽  
New York ◽  
Military Personnel ◽  
The United States ◽  
Electronic Version ◽  
Us Army ◽  
Ellis Island ◽  
Chief Of Staff ◽  
The Us ◽  
Foreign Office

Once Enigma was solved and the pioneering work on Tunny was done, Turing’s battering-ram mind was needed elsewhere. Routine codebreaking irked him and he was at his best when breaking new ground. In 1942 he travelled to America to explore cryptology’s next challenge, the encryption of speech. Turing left Bletchley Park for the United States in November 1942. He sailed for New York on a passenger liner, during what was one of the most dangerous periods for Atlantic shipping. It must have been a nerve-racking journey. That month alone, the U-boats sank more than a hundred Allied vessels. Turing was the only civilian aboard a floating barracks, packed to bursting point with military personnel. At times there were as many as 600 men crammed into the officers’ lounge—Turing said he nearly fainted. On the ship’s arrival in New York, it was decreed that his papers were inadequate, and this placed his entry to the United States in jeopardy. The immigration officials even debated interning him on Ellis Island. ‘That will teach my employers to furnish me with better credentials’ was Turing’s laconic comment. It was a private joke at the British government’s expense: since becoming a codebreaker in 1939, his employers were none other than His Majesty’s Foreign Office. America did not exactly welcome Turing with open arms. His principal reason for making the dangerous trip across the Atlantic was to spend time at Manhattan’s Bell Telephone Laboratories, where speech encryption work was going on, but the authorities declined to clear him to visit this hive of top-secret projects. General George Marshall, Chief of Staff of the US Army, declared that Bell Labs housed work ‘of so secret a nature that Dr. Turing cannot be given access’. While Winston Churchill’s personal representative in Washington, Sir John Dill, struggled to get General Marshall’s decision reversed, Turing spent his first two months in America advising Washington’s codebreakers—no doubt this was unknown to Marshall, who might otherwise have forbidden Turing’s involvement. During this time Turing also acted as consultant to the engineers who were designing an electronic version of his bombe for production in America.

Nature and Needs of Higher Education: The Report of the Commission on Financing Higher Education. (New York: Columbia University Press. 1952. Pp. xi. 191. $2.50.) - Who Should Go to College, By Byron S. Hollinshead with a chapter by Robert Havighurst and Robert R. Rodgers. (New York: Columbia University Press. 1952. Pp. xi, 190. $3.00.) - The Federal Government and Financing Higher Education. By Richard G. Axt. (New York: Columbia University Press. 1952. Pp. xiv, 295. $4.00.) - Government Assistance to Universities in Great Britain: Memoranda Submitted to the Commission on Financing Higher Education. By Harold W. Dodds, Louis M. Hacker and Lindsay Rogers. (New York: Columbia University Press. 1952. Pp. x, 133. $2.50.) - State Public Finance and State Institutions of Higher Education in the United States. By H. K. Allen in collaboration with Richard G. Axt. (New York: Columbia University Press. 1952. Pp. xviii, 196. $3.00.) - Student Charges and Financing of Higher Education. By Richard H. Ostheimer. (New York: Columbia University Press. 1953). - The Development and Scope of Higher Education in the United States. By Richard Hofstadter and D. DeWitt Hardy. (New York: Columbia University Press. 1952. Pp. ix, 254. $3.00.) - A Statistical Analysis of the Organization of Higher Education in the United States, 1948–1949. By Richard H. Ostheimer. (New York: Columbia University Press. Pp. xviii, 233.) - Financing Higher Education in the United States: The Staff Report of the Commission on Financing Higher Education. By John D. Millett. (New York: Columbia University Press. 1952. Pp. xix, 503. $5.00.)

1953 ◽  
Vol 47 (3) ◽  
pp. 883-890
Author(s):  
George C. S. Benson
Keyword(s):  
Higher Education ◽  
United States ◽  
New York ◽  
Great Britain ◽  
Federal Government ◽  
The United States ◽  
Institutions Of Higher Education ◽  
Columbia University ◽  
State Institutions ◽  
Financing Higher Education

Gerald H. Thayer's ornithological work in St Vincent and the Grenadines, Lesser Antilles

2018 ◽  
Vol 45 (1) ◽  
pp. 21-39 ◽  
Author(s):  
James W. Wiley
Keyword(s):  
New York ◽  
New York City ◽  
West Indies ◽  
The United States ◽  
Lesser Antilles ◽  
American Museum ◽  
The West ◽  
Comparative Zoology ◽  
North And South America ◽  
North And South

Gerald Handerson Thayer (1883–1939) was an artist, writer and naturalist who worked in North and South America, Europe and the West Indies. In the Lesser Antilles, Thayer made substantial contributions to the knowledge and conservation of birds in St Vincent and the Grenadines. Thayer observed and collected birds throughout much of St Vincent and on many of the Grenadines from January 1924 through to December 1925. Although he produced a preliminary manuscript containing interesting distributional notes and which is an early record of the region's ornithology, Thayer never published the results of his work in the islands. Some 413 bird and bird egg specimens have survived from his work in St Vincent and the Grenadines and are now housed in the American Museum of Natural History (New York City) and the Museum of Comparative Zoology (Cambridge, Massachusetts). Four hundred and fifty eight specimens of birds and eggs collected by Gerald and his father, Abbott, from other countries are held in museums in the United States.

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