setting the stage: reaching out in rural communities · 2016. 9. 2. · setting the stage: reaching...
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Setting the Stage: Reaching Out in Rural Communities & Immigrant Financial ConcernsGloria Sarmiento,
Immigrants & Communities Program
Community Educator/Organizer
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YES! Immigrants in Rural Communities!
• Important contributors to community
and economy
• Contributions of New AmericansState-by-state report (July 2016) by
Partnership for a New American Economy
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Collaboration
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Reaching Out: You Can Do It!
• Bilingual,
bicultural staff
• Don’t just send
an email …
• Think about
partnerships
& collaboration
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What financial issues are important to immigrant community members?
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Paying TaxesFinancial Issues Important to Immigrant Community Members
• Need for basic information
• Filing with an ITIN for those without SSN
• Tax preparation
waiting rooms –
great place to
provide other
education
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Higher EducationFinancial Issues Important to Immigrant Community Members
• Need parents’ tax returns to apply for aid
• Financial aid is confusing (and unavailable for DACA,undocumented youth)
• Info about scholarships – few available for DACA, TPS, & undocumented, but there are some!
• Cost of housing
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Health Insurance and CoverageFinancial Issues Important to Immigrant Community Members
“My company said it would provide
insurance, so I don’t understand why I
have to pay …”
• Lots of confusion
• How do deductibles
and copays work?
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Bank AccountsFinancial Issues Important to Immigrant Community Members
• Could be first time opening an account
• Type of identification accepted depends on bank
policies
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Credit Cards and Credit ScoresFinancial Issues Important to Immigrant Community Members
• What are these different cards?
• Avoiding scams and exploitation
• How do I establish my credit score?
• Women and credit history with spouse
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Public BenefitsFinancial Issues Important to Immigrant Community Members
• Population has different eligibility than those born in U.S.
• Undocumented are ineligible for all major public benefits
• Even most legal permanent residents are ineligible for first 5 years
• BUT – mixed-status families have some family members who are eligible for important supports
• Other exceptions – check the details!
• A few benefits can affect citizenship…
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Remittances –Sending Money to Country of OriginFinancial Issues Important to Immigrant Community Members
• Most immigrant income stays in U.S. and benefits local economies
• But the 10% sent home is an important support
• High fees can drain resources…
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• Expensive
Immigration and Citizenship Process FeesFinancial Issues Important to Immigrant Community Members
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Also: Questions about starting a business, saving for retirement, and fundraising for nonprofits
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In Conclusion
• Working together to build welcoming and
inclusive rural communities
• A welcoming community is stronger economically
and socially – for everyone
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Resources• neappleseed.org/library
Go to Immigrants & Communities – Immigrant Banking
– Financial education brochures – English & Spanish
– Immigrant financial resources for banks, credit unions, & nonprofits from Appleseed network
• appleseednetwork.org
– resources on asset-building and remittances
• www.welcomingamerica.org