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Department of Financial Services Issues New Guidance to New York Regulated Banks to Increase Availability of Low-Cost Banking Services State-Regulated Banks can now offer “Bank On” Certified Accounts to meet their Affordable Banking Requirements Access to Low-Cost Accounts is Fundamental to Financial Health so Low-Income New Yorkers have Affordable, FDIC-Insured Banking Options to Protect and Grow Hard-Earned Savings Governor Kathy Hochul today announced new guidance to expand access to low-cost bank accounts for New Yorkers in recognition of National Financial Literacy Month. New DFS guidance encourages State regulated banks to offer “Bank On” certified accounts to fulfill the state’s affordable banking requirements. Bank On accounts eliminate overdraft fees and are critical to attracting individuals from underserved communities into the banking system. These reforms are critical to help low-income New Yorkers access affordable, FDIC-insured banking options that protect and grow hard-earned savings. This builds on the Governor’s financial inclusion agenda that includes tackling debt and surprise billing, helping families and graduates with student loans, strong consumer protection and transparency requirements for financial products and other recent actions to help New Yorkers gain financial security. “Financial literacy is an essential life skill for everyone’s financial wellbeing, and that is why New York State continues to take bold steps to increase access to affordable banking services,” Governor Hochul said. “The COVID-19 pandemic has shown how important it is for every New Yorker to have financial security, and access to low-cost banking services is critical to managing and securing their financial needs. These new accounts will help hard working individuals in underserved communities get the affordable, accessible banking options they need and is a crucial step towards ensuring a more inclusive economy for all.” Superintendent of Financial Services Adrienne A. Harris said, “The ability to have a bank account is fundamental to the idea of financial health. Through both Bank On and Basic Banking accounts, more New Yorkers can have access to safe, affordable banking services that eliminate a number of fees, including overdraft, inactivity and low balance fees.” According to a survey conducted by FDIC, an estimated 7.1 million U.S. households were “unbanked” in 2019, meaning that no one in the household had a checking or savings account at a bank or credit union. Consumers in low- and middle-income communities have often been saddled with bank account fees if they overdraw their account, dip below a balance threshold, or fail to use their account regularly. Under current law, banking institutions are required to offer lower cost banking services either through the New York Basic Banking accounts or through an alternative that is as advantageous to consumers. These accounts eliminate burdensome fees in order to expand access to bank accounts among low- and middle-income communities. Making Bank On accounts an alternative to the existing New York Basic Banking account offering is a critical a step to enhancing financial access and improving financial literacy across the State. “Bank On” Accounts are nationally recognized and widely available. Affordable bank accounts like “Bank On” that eliminate overdraft, account activation, closure, dormancy, inactivity, and low balance fees are critical to attracting individuals from these underserved communities into the banking system. The Bank On program has inspired millions of consumers nationwide to open new bank accounts, and this action will help make these accounts more accessible across New York State. Assemblymember Khaleel Anderson said, “As Chair of the Subcommittee on Banks in Underserved Communities, I commend Governor Hochul and Superintendent Harris for launching Bank On, a new initiative that will expand access to low-cost accounts and help uplift our underbanked communities. Here in Southeast Queens, Black and Brown families in neighborhoods like Arverne and Rosedale live in banking deserts, where the departure of brick-and-mortar banking institutions has jeopardized financial health and economic opportunity. As a state legislator, I have passed critical legislation to support underbanked communities and help provide resources for small business owners, including our MWBEs, as we fight to restore viable access to credit, capital, and loans. I am committed to working with the Governor and DFS to ensure that working-class families have access to affordable, FDIC-insured banking options that protect and grow their hard-earned savings for generations to come.” President and Chief Executive Officer of the Cities for Financial Empowerment Fund Jonathan Mintz said, “Bank On is so pleased to partner with Governor Hochul and the New York State Department of Financial Services to help increase New Yorkers’ access to safe, affordable, and fully functional banking accounts. Today’s move by the Governor will make it even easier and more appealing for financial institutions chartered in New York to join the over 200 other banks and credit unions across the country with certified accounts and provide residents with this fundamental tool to promote financial stability and growth.” A 2020 study by the Federal Reserve Bank of St. Louis found that 80% of consumers opening Bank On accounts were new to that institution and nearly 60% were opened in majority minority neighborhoods. Today’s regulatory guidance expands the availability of the nationally recognized Bank On account by allowing New York banking institutions to offer those accounts as an alternative to the existing Basic Banking account. Bank On accounts follow a set standard to offer account features with low or zero fees, including no overdraft fees. Please find a copy of the Bank On Guidance on the DFS website.
Ultimately, this decision has kept Litecoin mining more accessible to the average person. Quickly compare the past seven days’ price movements of Litecoin with other cryptocurrencies. The total dollar value of all Litecoin transactions over the past 24 hours. Here are the different payment methods you can choose to buy LTC on Uphold. Binance Explores Acquisition of Brazilian Securities Brokerage Firm … – Bitcoin News Binance Explores Acquisition of Brazilian Securities Brokerage Firm …. Posted: Wed, 16 Mar 2022 07:00:00 GMT [source] A growing number of platforms, including OKX, also offer the ability to earn a return just by holding Litecoin. So, you’re ready to jump into the world of cryptocurrencies and make a purchase of Litecoin ! Let us be the first to welcome you to the new global digital economy. Coins are native to their own blockchain, like Bitcoin, and are used as a form of digital money. If there is more demand for Litecoin than there is available supply, the price will go up. Is it safe to buy LTC on exchange? Charlie Lee also wanted to ensure that Litecoin was more accessible to the average person, so he decided to implement some changes that would make it easier to use. For example, Litecoin uses a different algorithm than Bitcoin, which makes it easier for people to mine. The live price of Litecoin is $ 90.85 per (LTC / USD) today with a current market cap of $ 6.58B USD. Transfer fiat currency from your bank account to Binance, and then use the amount to buy Litecoin . This means that mining for Litecoins requires more memory than mining for Bitcoins. Apart from its protection measures that safeguard your personal and financial information, it also offers other benefits, such as low fees and fast processing times. Don’t forget to do your own research and assess your risk tolerance before you buy crypto, including LTC. Litecoin is bought and sold reliably and securely at LiteBit. As LTC is infinitely divisible, it is possible to purchase just a fraction of the currency. Nexo allows you to buy as little as $10 worth of LTC. Once your funds arrive, simply go to the Exchange tab inside the Nexo app and swap them for the amount of LTC you want. How does Nexo protect my LTC? The Cointree (/learn/) can give you an overview of Litecoin, from Litecoin transactions, to the Litecoin foundation, to evaluating your own finances. Many investors buy Litecoin to hold it as an investment, with expectations the current price will continue to rise over the long term. Cannot decide what to do with your newly acquired coins? Your secure portal to the world of cryptocurrency, Kriptomat accounts are completely free and only take a few moments to create. Users take many variables into consideration when deciding how much Litecoin to buy. Supply, demand, availability, competing cryptocurrencies, and investor sentiment are key indicators of LTC’s utility. You can top up USD, EUR, or GBP from your local bank via a secure bank transfer. Wires sent from the US generally take 1-2 business days to be reflected in your account. EUR transfers via SEPA usually take 1-3 business days, while GBP transfers via Faster Payments take up to 1 business day. Similar Assets The best time to buy LTC is when there is a high trading volume and the price is relatively stable. Generally, the more people use and buy LTC, the higher its price will be. However, if the price of LTC suddenly spikes or crashes, it might not be the best time to buy. So it is essential to watch the market trends before you decide to buy litecoin with credit card instantly. If you do not have a LiteBit account yet, you can easily create one, for free. You can sign up directly on our website or download our app. After that, you can instantly verify your identity with a valid passport or ID card. With the LiteBit app, you can trade anytime, anywhere with instant access to your portfolio. Crypto prices Introducing blockchain technology A simple explainer can be a pretty rare thing in a realm as complicated as the cryptosphere. That’s what we are here to change—one article at a time. It takes almost one-fourth of the time to process transactions than in Bitcoin. Disclaimer – Information found on our website is not a recommendation or financial advice. The value of https://www.beaxy.com/ can also be affected by news and events in the cryptocurrency world. For example, salaries, rebates, rewards, and other payments can be made in Litecoin. The speed of processing blocks in the Litecoin network is four times higher than in the Bitcoin blockchain, which reduces transaction fees significantly. Buy Litecoin in minutes But, with Recurring Buy you can mitigate the achat ltc fluctuation risk by investing the same amount consistenly. In cold wallet and follow the highest security standards as a regulated financial institution. The MIT/X11 licence, Litecoin is an open-source application that allows you to execute, edit, copy, and distribute modified versions of the software. The program is made available through a clear method that enables distinct versions and source code validation. Share your referral code with friends and you’ll each get €10 of FREE Bitcoin when they begin using their accounts. Why do people call Litecoin ‘digital silver’? As many investors consider bitcoin as digital gold, some consider Litecoin to be digital silver, including founder Charlie Lee who called it “digital silver” in an interview on CNBC. Much like silver compared to gold, it has a lower price in Australia (LTC/AUD) and the low fees make it more efficient for transactions. Moreover, Litecoin is also easier to mine than bitcoin, much like silver is easier to mine than gold in the real world. As bitcoin’s blocks are full and everyone must compete to get their transactions included in a block, fees are much higher than on Litecoin, where competition for block space is far lower. This is important for
Syracuse, NY – Senator Rachel May (D-Onondaga, Madison, Oneida) championed home care workers during the FY23 budget negotiations and now these workers will get a well-deserved $3 per hour increase in pay over the next two years. In total, the state will spend $7.7 billion over the next four years, representing one of the single largest investments in home care wages by any state in the country. This represents a 20% increase for these skilled workers who have said they love their jobs, but struggle to feed their children and buy health insurance on their current pay. Not only will the raise in pay benefit hardworking home care workers, but also older adults who would like to stay in their homes instead of moving into a long-term care facility. Numerous studies show more than 76 percent of Americans aged 50 and older prefer to stay in their homes and communities if possible. Aging-in-place not only provides a safe and familiar place to live, but it is also the most cost-effective way to provide care for older adults who do not require the highest levels of care. “I see this as an important first step in achieving appropriate, equitable pay for the skilled services that home care workers provide. They deserve a living wage, and we will continue to advocate for true Fair Pay for Home Care, which sets the home care worker minimum and 150% of the regional minimum wage. None of this would be possible without the advocacy of the New York Caring Majority, AARP, 1199, and many others in the coalition, and I look forward to standing with them next year as we continue this work,” Sen. May said. Senator May’s floor speech about #FairPay4HomeCare.
Release of FEIS Triggers 30-Day Public Review Period and Keeps Project on Schedule for Fall 2022 Groundbreaking Transformative Project Will Remove Aging Viaduct and Restore Community Grid to Improve Mobility and Reconnect Neighborhoods in Downtown Syracuse I-81 Supported by Governor Hochul’s $32.8 Billion State Capital Plan Which Promotes Equity, Connectivity and Multi-Modal Transportation Opportunities for Communities I-81 FEIS Available on Project Website The Final Environmental Impact Statement for the Interstate 81 Viaduct Project was published on April 15, 2022, a major milestone that keeps this transformative project on track to break ground in the fall of 2022. I-81 Viaduct Project -The Community Grid Click Here for Virtual Tour /Artists renderings of project The historic project will remove the existing elevated structure dividing the City of Syracuse and replace it with a new business loop and an integrated Community Grid that will disperse traffic along local north-south and east-west streets, and reconnect the neighborhoods severed by the interstate. Release of the FEIS triggers a 30-day wait period for the public to continue to review the document. The Interstate 81 project is part of Governor Hochul’s unprecedented commitment to modernize New York State’s infrastructure and invest in projects that promote equity, connectivity and multi-modal transportation opportunities for communities all across the state. The recently adopted $32.8 billion State Capital Plan helps fulfill the governor’s vision for a modern transportation system that serves New Yorkers across the state. “The Interstate 81 project represents a historic opportunity to correct the errors of the past and remove a relic of outdated and ill-conceived highway planning that has for generations negatively impacted residents, in particular communities of color, and never should have been constructed in downtown Syracuse,” Governor Hochul said. “The release of the Final Environmental Impact Statement clears the way for us to move forward with this transformative project and bring new opportunities for growth and prosperity to all communities of Central New York.” The State Department of Transportation, working with the U.S. Department of Transportation’s Federal Highway Administration, prepared the FEIS for the I-81 project after conducting extensive outreach with the public and stakeholders throughout the Central New York region. The State Department of Transportation will continue to receive and consider comments on the document before a formal Record of Decision is issued. Following the release of the Draft Environmental Impact Statement in July of 2021, NYSDOT held two virtual public hearings, one in-person public hearing and nine subsequent meetings in neighborhoods and communities in and around the City of Syracuse to discuss the project and elicit feedback. An on-line Virtual Public Outreach Center was also established to provide information on all aspects of the project and instruct users on how to submit comments. NYSDOT received approximately 8,000 comments from the community which were used to help develop the FEIS. Based on the public feedback, a roundabout that was initially planned for Martin Luther King Junior East (MLK Jr. East) near the Dr. King Elementary School is no longer being proposed, and Business Loop 81 will no longer connect to MLK Jr. East. Instead, a roundabout is proposed at the intersection of Van Buren and Almond streets. The new location will increase the buffer of property between the elementary school and the proposed Business Loop 81 and will create an improved gateway to University Hill and the Community Grid corridor downtown. The project also includes improvements to the sewer and stormwater management system that will reduce runoff and help prevent overflows during heavy rains that threaten the water quality of Onondaga Creek and Onondaga Lake. The construction of 18,000 linear feet of storm sewer trunk lines and other enhancements will increase the efficiency of the current stormwater management infrastructure by 20 percent and reduce the volume of runoff flowing to the combined sewer system by an average of 173 million gallons per year. Currently, stormwater from the downtown sections of Interstate 690 and I-81 flows into the local combined stormwater and sewer system, which is owned by the City of Syracuse and Onondaga County. Periods of heavy rain can cause stormwater overload, which results in untreated discharges into local tributaries, such as Onondaga Creek, which then flows into Onondaga Lake. NYSDOT is also working with the City of Syracuse, the Urban Jobs Task Force, Legal Services of CNY and other community partners to ensure that local workers and contractors receive the maximum benefit from the project. Additionally, NYSDOT partnered with the State Labor Department to create Workforce Forward: Syracuse, an initiative to help train and recruit workers for the project. The $2.25 billion project aims to reverse the ill-considered decision made in the 1950s to build the viaduct through the heart of the City and, through the construction of the Community Grid, provide new opportunities for inclusion and equity. The Community Grid will relieve existing traffic congestion issues in the city and improve access to and from the interstate highway network and key destinations, including the downtown business districts, area hospitals and Syracuse University. It will also provide safe and ADA accessible pedestrian and bicycle amenities throughout the project area. Plans call for the removal of the aging and now-obsolete I-81 Viaduct between the New York, Susquehanna and Western Railway and the I-81 / I-690 interchange, reconnecting neighborhoods that have been separated since the viaduct’s construction in the 1960s. The project would also upgrade a portion of Interstate 481, which would be re-designated as I-81; and construct the new “Business Loop 81” along Almond Street to improve connections to downtown and other business districts. Additional project features include: Reconstruction of Almond Street to include two travel lanes in each direction, nearly 13 miles of new or reconstructed sidewalks, two miles of new or reconstructed shared-use paths for bicycles and pedestrians, a 1-mile cycle track, and nearly two miles of new or reconstructed shared vehicle and bicycle lanes. A new full interchange on I-690 at Crouse and Irving Avenues to provide more direct connections to hospitals, employment centers and educational facilities on University Hill.
I was born in Crouse-Irving Memorial Hospital (now Crouse Health) and have had procedures performed at both facilities; the prospect of SUNY Upstate merging with Crouse Hospital is frightening. Not because of any slight against the institution, but merging these hospitals is like breeding a Golden Retriever with a Pitt Bull. They’re both very different institutions, with very different cultures for both patients and employees. And we haven’t gotten to the provision of care. We’re told that larger is better; big pharmaceutical, big agriculture, big medical, big dental, the result is, “little me”. That’s the way it ends with a little person, the individual. This is just another change, one of many coming at us, that we’re told is good for the community, but where’s the discussion? Where’s the debate about an action that will dramatically change healthcare for Central New York and its residents? What will our political leaders say about this merger that removes choice from our portfolio of medical care? The branding “Take me to Crouse” meant something to a lot of people, now we’re supposed to forget about the apparent and not so apparent differences between the institutions? So, what. The merger creates Central New York’s largest employer. So, what. It allows this mega campus to form downtown to serve a region. The differences between institutions are as plain as the menu you receive upon being admitted to the hospital. SUNY Community’s food was so bad, I wondered how can anyone ruin a hamburger? However, they managed to perfect the art. Crouse Hospital had a menu with choices, much like a restaurant. There were items that I could no longer have, as they have heart health choices, and then all the good tasting stuff. At Couse Health I felt cared for, at SUNY Community I was nothing more than a number. I had to be readmitted due to an avoidable medicine reaction. The difference in post-surgical care were striking, as different as night and day. So, we’re going to be down to very few choices when it comes down to our overall medical care. The institutions will thrive as they always do. The wealthy will escape to smaller regional facilities while the masses will have no choice, as our medical care becomes even more bureaucratic, more impersonal and less effective for the individual. The size of this healthcare behemoth is frightening as we’re being forced to swallow this bitter pill before anyone’s explored its side effects.
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