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Inclusion In The American Dream

Author: Michael Sherraden
Publisher: Oxford University Press
ISBN: 9780195347098
Size: 21.71 MB
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Inclusion in the American Dream brings together leading scholars and policy experts on the topic of asset building, particularly as this relates to public policy. The typical American household accumulates most of its assets in home equity and retirement accounts, both of which are subsidized through the tax system. But the poor, for the most part, do not participate in these asset accumulation policies. The challenge is to expand the asset-based policy structure so that everyone is included.

Inclusion In The American Dream

Author: Michael Sherraden
Publisher: Oxford University Press
ISBN: 9780195168198
Size: 20.52 MB
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The typical American household accumulates its assets in home equity and retirement accounts, both of which are subsidized through the tax system. But the poor, for the most part, do not participate in these asset accumulation policies. This book brings together scholars and experts on the topic of asset building, as this relates to public policy.

The American Dream And The Power Of Wealth

Author: Heather Beth Johnson
Publisher: Routledge
ISBN: 131774408X
Size: 19.83 MB
Format: PDF
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Despite the overwhelming evidence against them, many people still believe they can overcome the economic and racial constraints placed upon them at birth. In the first edition, Heather Beth Johnson explored this belief in the American Dream with over 200 in-depth interviews with black and white families, highlighting the ever-increasing racial wealth gap and the actual inequality in opportunities. This second edition has been updated to make it fully relevant to today’s reader, with new data and illustrative examples, including twenty new interviews. Johnson asks not just what parents are thinking about inequality and the American Dream, but to what extent children believe in the American Dream and how they explain, justify, and understand the stratification of American society. This book is an ideal addition to courses on race and inequality.

Ending Poverty In America

Author: John Edwards
Publisher: The New Press
ISBN: 1595587322
Size: 66.72 MB
Format: PDF, Mobi
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Is poverty a fact of life? Can the wealthiest nation in the world do nothing to combat the steadily rising numbers of Americans living in poverty—or the 50 million Americans living in “near poverty”? Senator John Edwards and some of the country’s most prominent scholars, businesspeople, and community activists say otherwise. Published in conjunction with one of the country’s leading anti-poverty centers, Ending Poverty in America brings together some of America’s most respected social scientists, including William Julius Wilson, Katherine S. Newman, and Richard B. Freeman, alongside journalists, neighborhood organizers, and business leaders. The voices heard here are both liberal and conservative, and tackle hot-button issues such as job creation, schools, housing, and family-friendly social policy. The contributors explain why poverty is growing and outline concrete steps that can be taken now to start turning the tide. In a political landscape seemingly bereft of daring and forward-thinking ideas, this new book lays out a path toward eliminating poverty in America—a template for a renewed public debate for an issue of intense urgency.

Assets And The Poor

Author: Michael Sherraden
Publisher: Routledge
ISBN: 1315288354
Size: 10.91 MB
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This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.

Can The Poor Save

Author: Michael Sherraden
Publisher: Routledge
ISBN: 1351530224
Size: 49.25 MB
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Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services. Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.

Change Research

Author: Corey S. Shdaimah
Publisher: Columbia University Press
ISBN: 0231525362
Size: 73.52 MB
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Collaborating with community members adds a critical dimension to social work research, providing practitioners with intimate knowledge of a community's goals and needs while equipping community advocates with vital skills for social change. Sharing the inspiring story of one such partnership, Corey Shdaimah, Roland Stahl, and Sanford F. Schram recount their efforts working with an affordable housing coalition in Philadelphia, helping activists research low-income home ownership and repair. Their collaboration helped create the Philadelphia Housing Trust Fund, which funnels millions of dollars to people in need. This volume describes the origins of their partnership and its growth, including developing tensions and their diffusion in ways that contributed to the research. The authors personalize methods of research and the possibilities for advocacy, ultimately connecting their encounters to more general, critical themes. Building on the field's commitment to social justice, they effectively demonstrate the potential of change research to facilitate widespread, long-term difference and improve community outcomes.

Community Economic Development In Social Work

Author: Steven D. Soifer
Publisher: Columbia University Press
ISBN: 0231508573
Size: 42.96 MB
Format: PDF, ePub
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Community economic development (CED) is an increasingly essential factor in the revitalization of low- to moderate-income communities. This cutting-edge text explores the intersection of CED and social work practice, which both focus on the well-being of indigent communities and the empowerment of individuals and the communities in which they live. This unique textbook emphasizes a holistic approach to community building that combines business and real-estate development with a focus on stimulating family self-reliance and community empowerment. The result is an innovative approach to rehabilitating communities in decline while preserving resident demographics. The authors delve deep into the social, political, human, and financial capital involved in effecting change and how race and regional issues can complicate approaches and outcomes. Throughout, they integrate case examples to illustrate their strategies and conclude with a consideration of the critical role social workers can play in developing CED's next phase.

Property Owning Democracy

Author: Martin O'Neill
Publisher: John Wiley & Sons
ISBN: 1444355171
Size: 61.29 MB
Format: PDF
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Property-Owning Democracy: Rawls and Beyond features a collection of original essays that represent the first extended treatment of political philosopher John Rawls' idea of a property-owning democracy. Offers new and essential insights into Rawls's idea of "property-owning democracy" Addresses the proposed political and economic institutions and policies which Rawls's theory would require Considers radical alternatives to existing forms of capitalism Provides a major contribution to debates among progressive policymakers and activists about the programmatic direction progressive politics should take in the near future

Rethinking Poverty

Author: James Patrick Bailey
Publisher:
ISBN:
Size: 20.77 MB
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In Rethinking Poverty, James P. Bailey argues that most contemporary policies aimed at reducing poverty in the United States are flawed because they focus solely on insufficient income. Bailey argues that traditional policies such as minimum wage laws, food stamps, housing subsidies, earned income tax credits, and other forms of cash and non-cash income supports need to be complemented by efforts that enable the poor to save and accumulate assets. Drawing on Michael Sherraden's work on asset building and scholarship by Melvin Oliver, Thomas Shapiro, and Dalton Conley on asset discrimination, Bailey presents us with a novel and promising way forward to combat persistent and morally unacceptable poverty in the United States and around the world. Rethinking Poverty makes use of a significant body of Catholic social teachings in its argument for an asset development strategy to reduce poverty. These Catholic teachings include, among others, principles of human dignity, the social nature of the person, the common good, and the preferential option for the poor. These principles and the related social analyses have not yet been brought to bear on the idea of asset-building for the poor by those working within the Catholic social justice tradition. This book redresses this shortcoming, and further, claims that a Catholic moral argument for asset-building for the poor can be complemented and enriched by Martha Nussbaum's "capabilities approach." This book will affect current debates and practical ways to reduce poverty, as well as the future direction of Catholic social teaching. "This book supplies the connections between prophetic but general calls for economic justice and participation, and the concrete policies and practices necessary to advance those ideals as reality. Bailey directly critiques discriminatory economic institutions in the U.S. but also implicitly critiques prior Catholic voices that have fallen far short of inspiring effective reform because they do not identify and attack underlying assumptions behind the 'personal responsibility' models of prosperity." --Lisa Sowle Cahill, Boston College "Bailey combines his deep understanding of the Catholic social justice tradition, his firm grasp of contemporary moral philosophy, and his perceptive analysis of U.S. poverty debates and policies to forge something new and exciting for each. Bailey's most significant contribution is his compelling case for the Church to establish, or reestablish, asset and property ownership at the heart of its mission to reduce poverty, enhance human dignity, and achieve a more just society." --Ray Boshara, Vice President and Senior Research Fellow, New America Foundation "Poverty may be with us always; but seldom do we have such a wise and timely book. Drawing upon Catholic social teaching and Martha Nussbaum's capability theory, Bailey underscores the role of asset formation in understanding and alleviating poverty. Erudite, but never arid, Rethinking Poverty is indispensable reading for students and scholars who would make the 'option for the poor' their own today." --William O'Neill, S. J., Jesuit School of Theology of Santa Clara University