communities and banking

Low- and moderate-income issues in New England

Complete Issue pdf

Winter 2015

The EB-5 Visa Program for Immigrant Investors
The EB-5 Visa Program for Immigrant Investors

by Audrey Singer,
The Brookings Institution

Creating Welcoming Communities Creating Welcoming Communities
by Kelly Laflamme,
Endowment for Health
Why Don’t Lower-Income Individuals Have Retirement Saving Plans?Why Don’t Lower-Income Individuals Have Retirement Saving Plans?
by April Yanyuan Wu, Matthew S. Rutledge, and Jacob Penglase, Boston College
Who Is Most Worried about Student-Loan Debt?Who Is Most Worried about Student-Loan Debt?
by Caroline Ratcliffe and Signe-Mary McKernan
Urban Institute

The EB-5 Visa Program for Immigrant Investors
by Audrey Singer, The Brookings Institution
A U.S. visa program can benefit lower-income communities by providing a green card for foreign investment in development that otherwise might not be funded. Kim Zeuli of Initiative for a Competitive Inner City adds a sidebar on new ICIC research, “Channeling Foreign Direct Investment to the Inner City through EB-5.”

An Urban School System Collects the Data
by Daniel Barrick, NH Center for Public Policy Studies
As a New Hampshire school district focuses on boosting student success, it is diagnosing its toughest challenges through a new embrace of data.

Applying Research to Create Real Pathways out of Poverty
by Deborah Youngblood, Crittenton Women's Union
In the complex arena of promoting economic mobility among lowincome, single-parent households, a model called Mobility Mentoring is showing promising results.

Seeking More Working-Class Americans in Congress
by Nicholas Carnes, Duke University
The shortage of working-class politicians has consequences for economic policy, but there may be ways to encourage more to run.

Why Don’t Lower-Income Individuals Have
Retirement Saving Plans?

by April Yanyuan Wu, Matthew S. Rutledge, and Jacob Penglase, Boston College
Lower-income individuals’ lower employment rate—and the smaller probability of their working for an employer that offers pensions—underlie the pension gap between higher- and lower-income groups.

Homelessness Prevention for Low-Income
Tenant Households

by Linda Wood-Boyle, HomeStart Inc.
Homelessness prevention saves low-income people from trauma and
upheaval while potentially saving property owners from the high costs of
the eviction process.

Energy Efficiency and Mortgage Risks: Implications for the Northeast
by Nikhil Kaza, Roberto G. Quercia, and Chao Yue Tian, University of North Carolina
Residential energy efficiency can be promoted by linking it with
mortgage finance.

Mapping New England: Intensity of Demand for H-1B Visas
by Robert Clifford, Federal Reserve Bank of Boston
New research indicates where New England has the highest concentrations
of the nonimmigrant visas that enable U.S. employers to temporarily
employ foreign workers in specialty occupations.

Creating Welcoming Communities
by Kelly Laflamme, Endowment for Health
Creating a welcoming environment for immigrants can smooth integration
with the wider community and ultimately improve health outcomes.

Who Is Most Worried about Student-Loan Debt?
by Caroline Ratcliffe and Signe-Mary McKernan, Urban Institute
Across demographic and economic groups, more than half of individuals