#post construction cleaning nyc

[ryanseslow]

How to Create Paper Cut-Out Reliefs: Tips and Techniques for Beginners

Back again with another lil' series of 2D wall relief paper cut-out forms. Both of the pieces below follow the same process and technique. Im really happy with the process and outcomes. Im working on animating them as we speak. I'll add them to this post later. My paintings inspire my drawings, and my drawings are inspired by those same forms found in my paintings. It makes sense that every so often I want to make those forms "pop out" and off the surface of a flat plane. Alas, it all starts with a quick sketch. See below, just a series of light loose free flowing lines take the lead, forward ->

Here we have a dude posing for a profile style portrait. Most likely, this is inspired by the NYC B-Boys from the years 1983 - 87ish. Either way, it's nostalgia for me. Once the sketch feels good, I'll break out the paper and x-acto knife. I keep telling myself that one day Ill work with another material other than paper for these works, perhaps wood or metal.. It will happen, I can foresee it for sure, hang in there. Im using a white bristol paper for the cut outs, I believe it is the vellum type and not the glossy, but either or will work just fine. I love to cut paper and the whole medium of paper art in general.

Paper cut-outs, also known as paper cutting or Kirigami, is a traditional art form that involves cutting shapes and designs out of paper. The history of paper cutting can be traced back to ancient China and Japan, where it was practiced as a folk art. The Chinese and Japanese would create intricate designs, often featuring animals, plants, and mythical creatures, and use them as decorations for festivals and special occasions. I always loved it and have felt inspired by these pieces.

Using the sketch above, I apply the "map" of the shapes and forms that I see. Sometimes I redraw those forms on the paper that I will cut out, and sometimes I just "draw" with the x-acto knife to recreate the forms. Sometimes, it's a combination of both of those techniques. There is also a series of "out-take / byproduct" cut outs that do not make the final piece, those can be saved and used for the next piece, obviously!

I layer the forms on top of each other to compose the arrangement as a whole, its fun to watch it all come together, in the next phase, you will need some kind of durable tape or you can make little paper forms that can be pasted to both sides of the forms as they stack, this will create the gauge and depth of the piece once it is placed onto the wall.

This is the final composition above, I love it! I used a roll of duct tape to make small cylinder forms that connect the pieces together, the piece as a whole comes "off of the surface of the wall" by about 1.5 - 2" inches - you can play with this a bit but keep in mind, the tape makes the piece heavier and it will want to comply with gravity :)

I hung the piece (also temporarily adhered via the same duct tape) for the photoshoot and to also get a good look at how it will function on the wall. I have an old painted fire place in my studio that is a great surface for hanging things, I love the contrast of textures between the bricks and the paper, as you know, the shadows will be super cool to see too.

Once I had the whole piece constructed I took a few pictures of it. I immediately wanted a clean vector line drawing of the whole character. I brought the photo into adobe Fresco and used a vector brush to draw this lovely variation. This is how my brain works, I switch paths because I know they are really pipelines to the "next thing" that I will push this to, so forward we go.

Then, it was light source and photo shoot time. Im not really happy with these picture as traditional "photographs" as I know I can do a much better job, but, as a series of "sketches" for a planned photo shoot, these will really help to make those plans a reality. I love neon colored lights. I have a bunch of them from various places and spaces that I found on the internet. Amazon has a great selection of flashlights with various colored light options. Get a few and play around with how the light can effect your work and the shadows that it creates. This is where the depth and gauge of your pieces play a role. The photos below are also a part of the same session, which all took place over a few days.

Here is another variation with a different character.. What do you think? Shall I make more?

[gingerylangylang1979]

Another fanfic rant

People are really demanding of fanfic writers. I just read someone complaining about there not being enough The Bear fanfic, what they read is out of character, Carmy and Syd are written straight, blah, blah. 

People can write the characters how they want. We aren’t trying to reproduce the canon show. If we were it wouldn’t be fanfic. I can’t write like the actual screenwriters. Some people try to write close to canon characterization, others don’t. This comment is also contradictory because canon Carmy and Syd aren’t written as not being straight, at least up to this point. So how is fanfic written with them straight out of character? And there are fics with both written as queer, so that’s not even true. Viewers can’t even agree on character interpretation of canon, so how are fanfic writers supposed to “get it right” when it’s all open to interpretation? I literally just read a post from someone who didn’t get that Jon Bernthal is Mikey???!!! Anyways, people can write them however they like. Have people never heard of the terms head canon, reinterpretation, and AU? 

People need to write themselves or stop complaining. 

Also, you know what, the time and effort, I’ll say again, is only partially rewarded. I bet most of the complainers don’t bother to comment, give kudos, or share works they do like. Heck, I leave positive comments and kudos even if I wasn’t thrilled with a story. There is always something good to highlight and gives encouragement. 

I’ve written 17 chapters so far and have three to go. I am at a bit of a standstill. Why? I don’t always want to be writing. I write a lot for work and have other creative projects. Sometimes I want to just fangirl on Tumblr, which takes way less effort than constructing narrative. I also have a full life outside of fandom. I’m pretty social and have friendships to maintain and places to go. I may not get a lot of writing done the next two months. Why? It’s summer. I live in NYC. The weather mostly sucks here so when it’s nice I don’t want to spend hours at home, inside, writing. And if I am inside, maybe I want to read, watch a movie or show, clean my apartment, do a facial or manicure, cook. I dunno, other normal things. I was beating myself up about that, but whatevs. There is so much cool stuff going on, I’m going to do it. I work hard to play hard. Today I was supposed to go to the beach for a party but it’s storming so I’m trapped inside. I may write, or I may just chill because honestly I’m hungover from my fun day yesterday and don’t know how much mental energy I feel like exerting. 

I’m not going to be beholden to produce works at rapid pace to meet demand that isn’t as appreciated as it should be. 

So y’all will get chapter 18 at some point. It may not please everyone, but it will please me, and will be completed in my own time.

Thanks to all the readers who are great fans of fic writers! The ones who aren’t overly critical, leave comments, give kudos, reblog, and are patient are gold. We love you!

[sleepyhollands]

* • . * still want to be tagged? * • . *

hello all! if you have been tagged in this post, it means that at some point over the last few years, you filled out a google form and joined one or more of my taglists. there was a time where you enjoyed my writing enough to want to be notified when i posted something new for at least one of the characters/people i write for.

however, as not only a writer, but a reader as well, i understand that interests and preferences are subject to change over time. and since many of you joined my taglist(s) long ago, i anticipate some changes of heart with respect to who you want to be tagged for, if at all. additionally, i’ve realized that my tagging system has grown messy, and while i’ve tried to clean it up over time, i think the best way to solve the issue is as follows.

due to lack of interaction from many of those on the taglists, poor housekeeping— blogkeeping?— on my end, and the general urge to start fresh as i get back into the habit of writing regularly on tumblr, i will be dissolving all of my current taglists. the link has already been deactivated. so, what does this mean for you?

firstly, don’t panic! for those who wish to continue to be notified when i write, a new form will be available to fill out. similarly to the original, you may differentiate between people and/or characters you wish to read about. if/when i write a series, a separate taglist form will be constructed for that piece. if you are concerned about being spammed with notifications from my writing, don’t worry! i don’t post extremely frequently, so you should be in the clear.

regardless of whether or not you choose to join a taglist after this revamp, i am very grateful to all of you for the exposure, feedback, and encouragement you’ve given me over the last few years. i also hope it’s obvious that anyone may join the new taglist(s), not just the returning campers!

you can find the new taglist form here. to read my previous work, please see my masterlist here.

*side note: ‘false god’ (harry styles x reader) will be the last post i make with the current taglist in operation.

TLDR: i am dissolving my current taglists (this does not apply to my angel/demon mini-series). if you still wish to be tagged, please fill out the new form here.

@quaksonhehe @catparkers @definitely-not-black-cat @fahsey @hypnotized-so-mesmerized @hotforharrison @devotion @callsign-scully @jensenackless @lmaotshollandd @jackiehollanderr @doobeedobap @nervousdadmode @amii-nyc @tomshufflepuff @solarxmoonchild @lilyblossomblooms @kiwikrissi @starlight-starks @vnderoos @spidey-holland-96 @ifilosemyselfagain @pterprkr @auggiesolovey @voguesir @namtaeh @bleh-bleh-blehs @tom-hlover @writetorace @sssupernova @casualdreamerdreamer @parkers-gal @yourgoldengirls @parkerlovebot @becicamina @zspideyy @fairydxll @hunnybunimdun @capital-koreasofia @lolooo22 @ellabellabus07 @atoris-fantasy @liltimmyst @starkscosmos @tenaciousperfectionunknown @iadoresleep

*if you are seeing this and are wondering why you weren’t tagged, you may have updated your url to something i’m not aware of (this problem will be fixed with the updated taglist).

[lm12cleaningservices]

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At- New York, NY, US · Budapest, Hungary

[deepcleaningnewyork]

Ashland Maintenance - NYC Commercial & Residential Cleaners offers top-notch cleaning services across New York City, Queens, Brooklyn, The Bronx, Staten Island, Long Island, and New Jersey. Our comprehensive services include office cleaning, post-construction cleaning, matron services, security concierge services, and residential cleaning. We also provide specialized services like floor strip/wax, deep cleaning, disinfecting, carpet shampoo, and move-in/move-out cleaning. Whether you're in need of daily office cleaning in New York or post-construction cleanup in Queens, our experienced team is dedicated to delivering high-quality, reliable cleaning solutions. Trust Ashland Maintenance for all your commercial and residential cleaning needs.

[micro-expressions]

Check out this listing I just added to my Poshmark closet: $359 Veronica Seam Short Brown Leather Moto Vintage Combat Zip Up Low Ankle Boot.

[oscarloro79]

IMPOSSIBLE JOURNEY from YUCA on Vimeo.

Impossible Journey is an animated short film that addresses the urgent crisis in maternal health care in the US.

The film was built by a predominantly female team over a process that took more than a year, produced in Brazil and NYC. Each frame was printed and painted meticulously to reveal the layers of reality that our protagonist experiences throughout the story. Every aspect of the animation has metaphorical construction and meaning, just like all the project built around it.

Check out more details and informations on the links below:

Making of: vimeo.com/945849611/991e1f4f3f?share=copy Project’s website: impossiblejourney.org

Cannes Lions 2024 Silver - Film Craft Illustration Silver - H&W Digital Craft

Director: YUCA Production Company: THE YOUTH Post-Production Company: COLOSSAL Executive Creative Director: Eduardo Lubiazi, João Machado Executive Producer: Eduardo Lubiazi Head of Production: Daniel Maia Post-Production Coordinator: Yasmim Uehara Art Director: Eduardo Rosa Animation Director: YUCA + Bruno Brasil DOP: Yuri Maranhão

Producer: Yasmim Uehara, Mauricio Kazu Yamashita Post-Production Coordinator: Yasmim Uehara Post-Production Coordinator Assistant: Nicole Lia Rêgo da Silva, Ana Paula Godoy Production Coordinator: Carol Cherobim Assistant Coordinator: Camila Pires, Lu Krasa Finance Department: Iza Lubiazi

Head of art: YUCA Art Director: Eduardo Rosa Animation Director: YUCA + Bruno Brasil Screenplay: Viton Araújo, Eduardo Tavares Editor: Leonardo Salomão Assistant Editor: Victor Balestrin Printing Studio: Farbewerk Fine Art Lab Printing producer: Daniel Farbewerk Painting Studio: ATELIÊ 39 Painting Artists: Ana Beatriz Artigas, João Paulo de Carvalho 2D Animation Supervisor: Denis Bargos, Daniella Schuarts, Bruno Brasil, André Ruivo VFX Supervision: Rodrigo Stradiotto, Diogo Gameiro Lead Conform and Delivery: Victor Balestrin Conform and Delivery: Ricardo Jug

Lead Concept Artists: Beatrice Bandiera, Fabio Miraglia Lead Illustration: Beatrice Bandiera, Marília Mafé, Diogo Saraiva, Bruno Rosal Concept Artist: Marília Mafé, Taíssa Maia, Che Marcheti, Ana Maria Sena, Bennê Oliveira, Camilla Muniz, Cinthia Saty, Helô Rodrigues, Fabio Miraglia, Diogo Saraiva, Bruno Rosal, Daniel Cramer, Gabriel dos Anjos, Fernando Nas, João Capoulade, Douglas Lopes, Wilson Panassi, Felipe Parucci.

Storyboard: Walfrido Monteiro Previz animation: André Ruivo 2D Animation: Carol Caporrino, Nana Siqueira, Gabriela Chamorro Diniz, Danila Ribeiro, Thalyne Chrystyna, Gabrielle Paparelli, André Ruivo, Diones Ignacio, Robson Vilalba, Anderson Omori, Gilson Júnior de Souza Bastos, Bremo, Gui Kirinus, Geovani Angelo, Carlos Yury, Gui Klein, Sid Ahearne, Alexandre Sales, Gabriel Fraga, Gabriel Chagas, Robb Reis, Denis Bargos.

VFX Animation: Nana Siqueira, Hermes de Lima, Fhilipe Marmori. Lead Clean Up: Mateuz Fernandes Clean Up / Painting: Clara Luz Carvalho Salazar, Nana Siqueira, Giovanna Jahjah, Melissa Ferreira Sartor, Renata SHP, Brenda Maryan, Taiza Nogueira, Mateuz Fernandes, Robson Vilalba, Diones Ignacio, Dudu Querubins, Ulisses Jucá, Luiz Alvares, Pedro Solano, Thallyson Silvestre, Moacyr Neto, Diogo Saraiva, Carlos Yury, Lucas Batalha, Rosinaldo Lages, Josias Bosio, Bruno Mazzilli, Leonardo Vincensi, Rafael Sinnott, Lucas Moraes, Fabio Soro, Lucas Fernandes Siqueira, Jonatas Freire da Silva Souza, Rhuan Gonçalves de Oliveira de Farias, Diego Akel, Lucas Felipe Pereira..

2D Compositing: Gabriel Rocha, Diego Eduardo Loz, Tiago Castro, Adelir Boeira, Lucas Santiago, Jean Lamin, Alan Jose Dias. Compositing: Michel Takahashi Colorist: Erick Moraes 3D Previz: Lucas Lira 3D Animator: Tiago da Silva Motion Graphics: Janaína da Veiga Still Craft Photographer: Diego Cagnato Stabilization Compositing: Everton Ricardo Sabino (Tom), Nícolas Braga de Medeiros Nicolak

Live action Director: YUCA DOP: Yuri Maranhão 1st AC: Jenny Desrosiers Make up artist: Cris Severo Steadicam OP: Emma Leavy BB: Melquan Q Ali Sound Mixer: Emily Strong Producer: Stella Bloss Producer: Livia Borjaile PA/Driver: Elijah Joseph Still Photography: Talitha Ramos Casting: Amanda Gabrielle Baia, Bruce Arturo McIntyre III, Camilla de Souza, Carla Williams, Denise Miller, Emilie Rodriguez, Sarry Nemorin.

Music Company: Satélite Áudio Music Direction: Roberto Coelho, Kito Siqueira e Hurso Ambrifi Account: Fernanda Costa, Renata Schincariol, Daniel Chasin e Karen Nakamura Music Production: Roberto Coelho, Hurso Ambrifi, Thiago Colli, Koitty , Alexandre Avicena, Pedro Pelotas e Nando Diniz Post Production and Mixing: Carla Cornea, Vithor Moraes, Arthur Dossa, Andre Giannini e Esteban Romero Production Coordinator: Camila Guedes, Letícia Oliveira, Bea Vieira e Mariana Tardelli

Special thanks: Filipe Zapelini, Cris Severo In memory of our beloved friend Juca Salomão

[goodimpressions]

NYC Professional Office Cleaning Company | Good Impressions #cleaningservices #cleaning

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[insurgoservices]

Builders Cleaning Services Clayfield

When renovations and construction is finished, it’s often a lot of mess left behind. Our builders cleaning services Clayfield will clear it all up and make your home look great again.

The inner city suburb of Clayfield is close to the central business district and offers professional residents convenient access to work. It also has a serene atmosphere that is enjoyable to live in.

Removing Debris

Construction work is hard, dirty and messy, but once it’s done the Builders cleaning services Clayfield still needs a thorough cleaning. This is a task that’s impossible to complete without the help of professionals. This type of clean will remove any debris that has accumulated during the building process, such as sawdust, paint splatters, drywall debris and more. It will also wipe down all surfaces, ensuring that the space is ready for the next residents to move in.

This in-depth cleaning service can take place before or after a renovation project, and is ideal for property owners who want to present their home to prospective buyers. The team will be able to get the building looking its best in no time, leaving nothing to worry about for the new owners. The team will use high-quality equipment and industrial-standard detergents to clean the entire property in a short amount of time.

Wiping Down Surfaces

Whether it’s a new extension, a revamped house or an entire commercial construction project; renovation work leaves behind a massive trail of waste, debris and dust. This mountain of trash is not something that you can simply sweep under the carpet; it needs a specialized post-construction cleanup service to save the day.

Builders cleaning services are specially trained to take on the task of cleaning a property that has been impacted by a building construction project. They can clean and sanitise all surfaces, fittings and fixtures in the kitchen, bathroom and elsewhere in the property using specialised equipment and cleaning products.

They can also handle the disposal of harmful builders’ waste, which is a hazardous and difficult task. They follow strict rules and regulations to ensure that all harmful waste is disposed of in the proper manner without causing any harm to the environment. They can also wipe down all walls to make sure they are free of smudges and marks.

Killing Mold

Mold can cause a variety of health issues, including allergies and respiratory problems. It is also dangerous for infants and the elderly. In addition, it can eat away at the walls and other surfaces of your home. Mold is a common problem that can occur in any home, but it can be difficult to detect until the damage is extensive.

To prevent mold, make sure there is proper ventilation and use dehumidifiers in high-moisture areas of your home. Also, be sure to dry wet surfaces immediately after a shower or water leak. A commercial cleaning business can help you create a healthy environment by eliminating the harmful effects of mold.

You can usually identify a mold problem by seeing discoloration on the surfaces of your home. Additionally, you may notice a musty or earthy smell. If you see these signs, call a NYC building cleaning service immediately. They have the training and tools necessary to remove the mold and clean the affected areas.

Final Exterior Clean

It’s important to have a professional clean the facade of a Builders cleaning after construction or renovation. This removes any dust particles that may be left behind, which often end up in the air ducts. During the cleaning process, professionals use microfibre rags and better tools to scrub all surfaces. This also prepares the property for landscaping work and paving projects, which enhance the curb appeal of the building.

The frequency of this type of cleaning varies, and is determined by the severity and type of grime on the facade. For example, limestone is cleaned differently than granite or brick. Some buildings have their facades professionally cleaned once a month, while others do it less frequently.

Some cleaning contractors charge by the square foot or by the hour. They may also include a markup in the price. Depending on the type of project, they may need a pressure washing unit and commercial chemicals. They also need a plan for debris removal, and supplies such as brooms, mops, trash bags, and cleaning solutions.

[book-cleany-01]

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[nycerny]

PRESERVING TIMELESS ELEGANCE: FACADE RESTORATION SPECIALISTS IN NEW YORK

The captivating architectural landscape of New York City is a testament to its rich history and grandeur. However, the passage of time and exposure to harsh elements can take a toll on the facades of buildings, dimming their once glorious allure. Facade restoration plays a pivotal role in reviving these structures, preserving their historical significance, and ensuring the safety of occupants and passersby. Also, In this blog post, we will explore the significance of facade restoration specialists in New York and how their expertise brings new life to the city’s iconic buildings.

1. UNDERSTANDING FACADE RESTORATION IN NEW YORK, NY

2. THE ROLE OF EXTERIOR RESTORATION CONTRACTORS IN NYC

Exterior restoration contractors in NYC are highly skilled professionals with expertise in renovating and preserving the facades of buildings. Their comprehensive knowledge of different architectural styles and construction materials allows them to undertake complex restoration projects with precision and care.

New York’s iconic facades are not just brick and mortar; they are symbols of the city’s rich history and cultural heritage. Facade restoration specialists play a crucial role in preserving this history for future generations. Moreover, By utilizing meticulous restoration techniques, they breathe new life into weathered exteriors, ensuring that the city’s architectural heritage stands tall for decades to come.

4. Ensuring Safety and Structural Integrity

Facade deterioration can pose serious safety risks to building occupants and passersby. Cracks, loose masonry, and other structural issues compromise the building’s stability. Moreover, Facade restoration specialists carefully assess and address these concerns, reinforcing the structure and making it safe for inhabitants and visitors alike.

5. The Facade Restoration Process

The facade restoration process involves several crucial steps, including:

Thorough inspection and assessment of the building’s exterior condition.

Identification of areas requiring repair and restoration.

Cleaning and removal of accumulated dirt, grime, and pollutants.

Repairing damaged masonry and replacing deteriorated materials. Additionally,

Application of protective coatings to shield the facade from future environmental damage.

Conclusion

Facade restoration specialists in New York are custodians of the city’s architectural legacy. Their dedication to preserving the unique facades of iconic buildings not only elevates the aesthetic appeal of the city but also ensures the safety and structural integrity of these structures. Through their meticulous craftsmanship and expertise, they breathe new life into the past, revitalizing the heart of New York’s architectural heritage for generations to come. So, if you have a historic building in need of restoration, don’t hesitate to seek the services of these skilled professionals to keep New York’s architectural marvels standing tall and proud.

Contact us at 212-279-0000 today or Use our quote form to submit all details of your project. Also, Get your Free Estimate – https://nycerny.com/quote/

[locustheologicus]

Immigrant Economic Opportunity in America

I attended this conference which was sponsored by the International Rescue Committee (IRC) and supported by MOIA. It looked into the economic reality of America and the role of the ongoing influx of immigrants into our communities and specifically in NYC. This post will share the findings and insights that came from the three panel discussions that took place here.

Commissioner Castro, from the Mayor's Office on Immigrant Affairs (MOIA), shared his opening remarks and insights on this event.

He started by speaking on his workforce development experience and then went on to address the recent crisis with the asylee community. Close to 50,000 asylum seekers have come to us since the spring of last year. 30k still remain in our shelter systems, and in responding to this, the city turned 88 SRO hotels into shelters. Centers have been opened to help welcome and process them. He and Mayor Adams have advocated for a better asylum process in the border, stressing the need to find legal employment through granting work permits. They are looking to collaborate with worker centers (NICE was mentioned) to further integrate them into the employment workforce in the city. He shared the need to further promote these collaborations with worker centers with the broader undocumented community.

The first panel came in to discuss the topic of "Building Towards Quality Jobs for Immigrants" in which the emphasis was on the word quality.

The panel included Luis Quiñones of UnidosUS, Sarah Bentley of Jobs for the Future, Brooke DeRenzis of National Skills Coalition, and Kamala Kannan of Goodwill Industries International.

After introductions of this panel, they went into this conversation.

Brooke: two policy investments have been made in DC that suggest future job opportunities. That calls us to develop training opportunities to get immigrant workers in those infrastructure and manufacturing roles. Immigrants are also in Healthcare services and this needs to be explored. Expanding digital skills and access will be essential for immigrant workers.

Luis: Latino are usually in farming, cleaning, construction, food service, and transportation industries. We want to help move Hispanics into other employment opportunities like the ones Brooke mentioned. A model exists in Denver and PR to intentionally create "good" jobs. "Good jobs" are defined as jobs where you are making a medium salary, upper mobility opportunities, and good benefits (Healthcare, sick/maternity leave, professional development opportunities, etc.) It needs to be recognized that Latinos have a diversity of status and identity that needs to be considered as well. The onus of the quality issue needs to be brought into the lap of employers. Education and engagement are key ways to address this at that level.

Sarah: celebrated the contribution of the research that others have raised, JFF is conducting its own research with immigrants on the issue of job quality.

Kamala: they (GII) developed the "opportunity escalator" to engage with employers to help raise their workers into quality job opportunities. Digital initiative with Google and inclusion training was part of this effort. How do we meet them and structure the system to get people where they need to be.

Final thought from this panel: How do we address the economic uncertainty and lack of updated immigration policy. Larger, comprehensive immigration reform is absolutely important and necessary. Public investments are important, and then we, at the local level, need to find ways of connecting immigrants to these opportunities. What coalitions need to be built in order to make connections? A White House office for New Americans is being developed to give this heightened awareness at the executive level. We also need to groom Latino leaders to public office.

The second panel was brought up to discuss the issue of "Moving the Needle on the Precarious State of Low-Income Immigrants Family Finances." Here we heard from Holly Frindell of National Association for Latino Community Asset Builders, Joanna Smith-Ramani from the Aspen Institute, and Fernanda Villaseñor from Cities for Financial Empowerment Fund. The question of personal financial health and security was at the forefront of this conversation.

Joanna: she mentioned some post-pandemic trends, how financial system is more digitized (think crypto) and will continue to be; climate change along with the financial shocks and long-term economic changes this will cause, especially to immigrant communities; there is no movement on unbanked or underbanked households. Things are not changing overall from these trends. We do not have a national inclusion strategy that other countries have. One that is accountable to the highest level of government. It was recommended that we consult "The price of entry banking" written by Aspen and share many of these initiatives.

Fernanda: With these trends, how do we go back to the basics. Issues include reluctance to open up bank accounts and instead make non-wise decisions to open risky financial accounts that are predatory to them. Banks, on the other hand, need to promote availability and accessibility to immigrants. It is important to not raise immigration status on banking but to be able to be attentive to their needs. Financial consultation/coaching is the tool that is absolutely important, and nonprofits have been at the forefront, but they are woefully underfunded. Having an accessible financial counseling "window" is another contribution that certain cities have adopted (the use of window is culturally useful for the Mexican community). This includes financial inclusion for the broad community. A needs assessment was made that helped give rise to this program that could work for a specific cultural need. It will be important to bring in local and municipal governments to support these initiatives.

Holly: Seconds the need to address basic needs. There has been a shift away from longer-term asset building since the pandemic to immediate needs, but it is coming back. Retirement, savings, and investment questions are being requested from immigrant groups that would allow them to build those generational assets. Caution needs to exist on predatory lending that preys on these communities. How do we help organizations to build capacity to coach the immigrant communities with these trends and tools? She supports everything Fernanda said regarding financial coaching but would add the need for training. Advocacy is important for funding and policy that supports this and philanthropy that can also help support this. Multi-year funding will be essential for this. Community Development Financial Institution's (Cdfi) are an essential partner for this.

Finally, we heard from a third panel on the subject of "Immigrants and Entrepreneurship." This panel included Phillip Bailey of Hebrew Immigrant Aid Society, Steve Hall from Local Initiatives Support Corporation, Ben Selden of the US Small Business Administration, Yanki Tshering from Accompany Capital, and finally, Devin Whitney from PayPal.

Phillip: immigrants have higher risk tolerance. They could use counseling, however, to mitigate risk. Transportation service is increasing; this is a shift in the current portfolio, which is becoming heavy in transportation. Immigrants also need more flexibility based on family obligations.

Yanki: immigrants need practical assistance to efficiently manage systems for online banking and managing. The use of technology is a critical difference. The majority of immigrants have entered transportation service, and advocacy is necessary to address regulation on monopoly from Uber and lyft. Teaching clients about credit and the financial benefit of a good credit score is essential. SBA's microloan programs are also great governmental programs that can help certify and provide needed loans to this community. Ideally, having a universal basic income will allow immigrants to have the stability to move ahead.

Steve: The tragedy of today is the access of predatory lending that can cause shady opportunities to the immigrant community. There is no regulation that helps immigrants from this unfortunate scenario. No caveat emptor regulation exists for the immigrant entrepreneur. We have to invest in CDFI for the immigrant community in order to take away from predatory lenders. Collaboration is key for all these programs to work for immigrants.

Devin: More immigrants are getting access to capital traditionally through families but also from cdfi's. Companies are trying to reach into these communities, but they have obstacles that require partnerships. Some of the reasons that companies are reaching out is to intentionally address issues like the racial divide (eg., PayPal saw the need to respond to the Black Lives Movement). There is a desire these days for companies to develop a partnership model with nonprofits and reinvestment banks in order to work with these communities. They have a hard time with these communities without partners. One insight he offered is that the anti-immigrant rhetoric needs to come to an end. Instead, we need better integration/collaboration with supportive partners.

Ben: The fed recognized gaps in COVID relief funds and responded to this through the SBA. As an example, a Guatemalan immigrant approached the SBA navigator in Ohio and was able to provide a thorough entrepreneurial consultation. That person was able to receive a loan, matching grants, and an apprenticeship program to develop the economic initiative that he proposed.

The concluding thoughts came from Erica Bouris of Economic Empowerment, Resettlement, Asylum, and Integration. Her first point was that these issues call for the need for comprehensive immigration reform. Second, there is a need to shore up foundational work, protecting worker protections and rights, for example. Let us not lose focus on financially protecting the immigrant community. Let's be sure to assist them in navigating the risk from these foundational issues. Finally, the theme of technology came up in all the panels. Also, the reality of climate change and the financial shocks that affect our immigrant communities as well. We cannot ignore this as we consider these issues. We also need to be attentive to the rural communities who are receiving many of our immigrants. Funders have an essential role and CDFI's are ripe for more intentional engagement. There is a definite sense of urgency for us to address these issues but... we also need to be intentional in engaging and listening to this community as we consider our response.

Workforce development has federal investment currently backing it right now. She makes an appeal for us to talk and listen to immigrant workers to find out what their needs are. Help advocate for a financial inclusion strategy. We need to spur growth of financial counseling. We need to clear a path for good lending programs that curb predatory lending. To this point, we also need to have further conversation on how to regulate federal lending.

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