use of prepaid cards by hispanics nclr

7/30/2019 Use of Prepaid Cards by Hispanics NCLR

1/4

Ybwqyba}jpbq nl Ywbyojm Aowmq `wnc Fnt#Jlancb Ejqyolja ]ou @jfbwq

Tj}e cnwb }eol nlb jl ju Fo}jln foahjld o goja aebahjld nw opjld oaanrl}& ywbyojm mbgj}

aowm yozcbl} aowm jrbm gz golh }eo} aowwz }eb Ocbwjaol Buywb& Mjanpbw& Co}bwAowm&nw Pjo fndn eopb gbbl ywnynbm o ol of}bwlo}jpb }n }womj}jnlof }woloa}jnloaanrl} olm owbcnwb barwb }eol aowwzjld aoe, Colz buybw} eopb ybarfo}bm }eo} lbt wbdrfo}jnl }eo} wbjl jl}eb ogjfj}z n` mbynj}nwz jl}j}r}jnl }n aeowdb npbwmwo`} `bb coz wbrf}jl `btbw fnt#an}oaanrl} ny}jnl& cohjld }eb qrb}jnl n` o pjogfb of}bwlo}jpb `nw fnt#jlancb òcjfjb bpbl cnwbjcynw}ol}, Cnwbnpbw& colz dnpbwlcbl} bl}j}jb eopb }rwlbm }n wbfnomogfb aowm o o cnwb an}#b``ba}jpb toz }n mbfjpbw lr}wj}jnl oj}olab olm rlbcyfnzcbl} jlrwolab yozcbl}, Entbpbw&fj}}fb j hlntl ognr} }eb buybwjblab n` Ejyolja ywbyojm aowm rbw, Buyolmjld ywbyojm aowmrb wojblbtqrb}jnl wbdowmjld }ebjw wnfb jl ebfyjld òcjfjb gbancb cnwb `jlolajoffzbarwbolm teb}ebw anlrcbw owb ombqro}bfz ywn}ba}bm `wnc aoc olm `jlolajof ogrb,

]eb Lo}jnlof Anrlajf n` Fo Wo{o %LAFW* }eb fowdb} lo}jnlof Ejyolja ajpjf wjde} olmompnaoaz nwdolj{o}jnl jl }eb Rlj}bm Q}o}b mbjdlbmolm omcjlj}bwbm o rwpbz }n gb}}bwrlmbw}olm }eb buybwjblab n` fnt#jlancb Ejyolja òcjfjb }eo} eopbrbm ywbyojm aowm, Jl off&74: rwpbz tbwb anffba}bm gb}tbbl Oywjf ? olm Oywjf ?2& 79?9`wnc òcjfjb bbhjld oj}olabo} `jpb Pnfrl}bbw Jlancb ]ou Oj}olab %PJ]O* Ywndwoc j}b,?

? ]eb PJ]O Ywndwoc n``bw `wbb }ou ebfy }n fnt# }n cnmbwo}b#jlancb ybnyfb ten aolln} ywbyowb }ebjw ntl }ouwb}rwl, ]eb `jpb PJ]O j}bjlafrmb; ]eb Wbrwwba}jnl Ywnkba}& Aejaodn& Jffjlnj8 Abl}wof Owholo Mbpbfnycbl}Anrlajf& Fj}}fb Wnah& Owholo8 An#Nyynw}rlj}z& Jla& Eow}`nwm& Anllba}jar}8 Oaanrl}jld Ojm Qnajb}z& Mb}wnj}&Cjaejdol,

9" ?9" 79" 19" =9" 29" 09" 49" 59" :9"

Qyolje Qybohbw

Rlgolhbm

Ejyolja

Wbabl}fz Rlbcyfnzbm

Eopb Aejfmwbl

Qjldfb

Bowl Fb ]eol -72&999 ollroffz

Ywn`jfb n` Ywbyojm Aowm Rbw


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7

Bowfz @jlmjldq

Cn} rbw tbwb o}}woa}bm }n }ebjw aowm gbaorb j} bbcbm anlpbljbl}, Ejyolja olm lnl#

Ejyolja aowm rbw fj}bm anlpbljblab o }eb }ny wbonl `nw db}}jld o aowm, Fo}jln wbynlmbl}ofn aj}bm aeboybw }eol dnjld }n o aebah aoebw& o `wjblm wbanccblmbm j} }n cb& olm ywb`bw

o aowm npbw aoe o mwjpbw `nw }ebjw aowm yrwaeob, Off aowm rbw ln}bm }eb ocb }ny `nrw rb`nw }ebjw aowm; }n yoz gjff& `nw nlfjlb yrwaeob& }n eny `nw enrbenfm j}bc& olm o o o`b}z lb}jl aob n`olbcbwdblaz, Ln}ogfz& Ejyolja aowm rbw tbwb `ow fb fjhbfz }eol lnl#Ejyoljawbynlmbl} }n jmbl}j`z O]C aoe tj}emwotof o o }ny rb %?1" pbwr =?"*, Tofcow} to }ebjldfb cn} ynyrfow yfoab }n grz o aowm& of}enrdegrzbw tbwb `nrlm }n yrwaeob aowm o} o tjmbpowjb}z n` }nwb,

Lbowfz }ewbb#qrow}bw n` Ejyolja aowm rbw ofn eom aebahjld oaanrl}, Npbw eof` n` lnl#Ejyolja aowm rbw ofn eom aebahjld oaanrl}, Tejfb j} j rlafbow teb}ebw yow}jajyol} tbwb

rjld }ebjw ywbyojm aowm olmgolh oaanrl} jcrf}olbnrfz& 70" n` Fo}jln }o}bm }eo} }ebzaolabfbm }ebjw aowm gbaorb }ebz eom nyblbm o }womj}jnlof golh nw awbmj} rljnl oaanrl}

%ancyowbm }n nlfz ??" n` lnl#Ejyolja wbynlmbl}*,

Gnr}q n` rlbcyfnzcbl} jcyoa}bment ywbyojm aowmq tbwb rqbm, Eof` n` off Fo}jln aowm

rbw olm 41" n` lnl#Ejyolja aowm rbw eom gbbl rlbcyfnzbm `nw ncb ynw}jnl n` }ebywbpjnr ?7 cnl}e, Ancyowbm }n }ebjw `rffz bcyfnzbm anrl}bwyow}& }enb buybwjblajldrlbcyfnzcbl} tbwb cnwb fjhbfz }n aj}b ln} eopjld blnrde cnlbz }n yr} nl }eb aowm olm ejde`bb o wbonl tez }ebz }nyybm rjld }ebjw aowm, Rlbcyfnzbm rbw tbwb ofn cnwb fjhbfz }nfnom `rlm }n }ebjw aowm o fj}}fb o} o }jcb& ancyowbm }n bcyfnzbm rbw ten ommbm kr} blnrde

}n yoz czgjff, Tejfb lbj}ebw ny}jnl mja}o}b o ybaj`ja }jcb`wocb& ommjld coff ocnrl} n`

9" ?9" 79" 19" =9" 29" 09" 49"

J} bbcbm anlpbljbl},

Tol}bm }n rb mjwba} mbynj},

J} to bojbw }n db} }eol o golh oaanrl},

O `wjblm dopb j} }n cb nw wbanccblmbm j},

Cz bcyfnzbw dopb j} }n cb,

J fjhb eopjld o aowm tj}e o gwolm fndn,

J lbbmbm o toz }n eny nlfjlb,

J ywb`bw }n rb o aowm jl}bom n` aoe,

J} to aeboybw }eol dnjld }n o aebah aoebw,

J lbbmbm o toz }n yoz gjff,

J lbbmbm }n cohb yrwaeob }eo} wbqrjwb o aowm

]ny Wbonl `nw Ywbyojm Aowm Yrwaeob

Lnl#Ejyolja Ejyolja


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1

cnlbz `wbqrbl}fz npbw o enw} ybwjnm n` }jcbj nlb n` }eb cn} buybljpb toz }n rb o aowm,]enb }eo} eom buybwjblabm rlbcyfnzcbl} tbwb ofn fjde}fz cnwb fjhbfz }n eopb rbm }ebjw aowm}n }ohb ompol}odb n`mjwba} mbynj}, Ln} rwywjjldfz& colz n` }ebb wbynlmbl} ofn anccbl}bm}eo} }ebz }nyybm rjld }ebaowm gbaorb }eb `rlm tbwb ln fnldbw gbjld or}nco}jaoffzfnombmnl}n }ebjwaowm gz }ebjw bcyfnzbw,

Bcyfnzbw yoz wnff toq fnombm nl}n }ejq aowm, Lnt }eo} J$c ln} tnwhjld& cz rlbcyfnzcbl} jq nl

o golhaowm, Ywbyojm Aowm Rbw& Fj}}fb Wnah& Owholo

]eb coknwj}zn` aowm rqbwq%4?"* mbqawjgbm }ebjw buybwjblab rqjld }ebjw aowm oq ynqj}jpb

nw pbwz ynqj}jpb, Lbowfz }tn#}ejwm %01"* n` Fo}jln wbynlmbl} locbm anrfm nlfz yblm}eb ocnrl} n` cnlbz J eom o nlb n` }ebjw `opnwj}b o}}wjgr}b n` }eb aowm, @rw}ebwcnwb& =2"n`Fo}jln aowm rbw olm 09" n` lnl#Fo}jln rbw eopb eom }ebjw aowm `nw cnwb }eol }bl cnl}e,

J} cohbq j} anlpbljbl} }n eopb o qopjldq& aebahjld& olm mbgj} oaanrl}& tj}enr} dnjld }n }eb golh,

]eb ywbyojm aowmq owb dnjld }n gb }eb lnwc `nw zbowq }n ancb, Ywbyojm Aowm Rbw& Mb}wnj}&Cjaejdol

9" ?9" 79" 19" =9" 29" 09" 49"

J anrfm nlfz yblm }eb cnlbz J eom,

J fjhb eopjld o aowm tj}e o gwolm fndn,

J mjml } eopb }n aowwz aoe,

J anrfm hbby o aoe wbbwpb,

Comb j} boz }n colodb cz cnlbz,

J} to anlpbljbl},

J anrfm rb mjwba} mbynj},

Aeboybw }eol o golh oaanrl},

Aeboybw }eol o aebah aoebw,

Cohb yozjld cz gjff bojbw,

Teo} Aowm Rbw Fjhbm Cn}

Lnl#Ejyolja Ejyolja


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=

Ejde nw ejmmbl `bbq tbwb }eb fboq} o}}woa}jpb aowm o}}wjgr}b `nw Ejyolja aowm rbw,

Ejyolja olm lnl#Ejyolja yow}jajyol} fj}bm buybljpb `bb o teo} }ebz fjhbm fbo} ognr} }ebjwaowm, N` }enb }eo} eom ywbpjnrfz rbm aowm olm }ebl aolabfbm }ebc& 70" n` Fo}jln aj}bmejde `bb o o wbonl %ancyowbm }n nlfz ?=" n` lnl#Ejyolja wbynlmbl}*, Cnwb }eol o qrow}bwn` off wbynlmbl} ln}bm }eo} }ebz eom gbbl aeowdbm o `bb rlbuyba}bmfz olm 1:" n` Ejyolja

olm 19" n` lnl#Ejyolja }o}bm }ebz mjm ln} eopb off }eb jl`nwco}jnl }ebz lbbmbm }n opnjmyozjld `bb,

Jl qrccowz& pbwz anlpbljbl} gr} X}ebwb owbS colz ejmmbl `bbq o}}oaebm }n rqjld }eb aowm&zb}

X}ebS }bwcq.anlmj}jnlq XowbS ln} oftozq djpbl }n }eb anlqrcbw, Ywbyojm Aowm Rbw& Aejaodn&

Jffjlnj

9" ?9" 79" 19" =9"

N}ebw

]ebwb tbwb }nn colz `bb,

J fn} cnlbz,

J} to eowm }n wbfnom tj}e aoe,

J ywb`bw rjld aoe,

Ln nlb to opojfogfb }n oltbw cz qrb}jnl

J ywb`bw rjld aebah nw cz mbgj} aowm,

Cnwb buybljpb }eol cz golh oaanrl},

J mjml } rlmbw}olm ent }n rb j},

Ln fnldbw ogfb db} mjwba} mbynj},

Teo} Aowm Rqbwq Fjhbm Fboq}& gz B}eljaj}z

Lnl#Ejyolja Ejyolja

use of prepaid cards by hispanics nclr

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