Financial Citizenship

Author : Annelise Riles
Publisher : Cornell University Press
ISBN 13 : 1501732730
Total Pages : 99 pages
Book Rating : 4.37/5 ( download)

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Download or read book Financial Citizenship written by Annelise Riles and published by Cornell University Press. This book was released on 2018-07-15 with total page 99 pages. Available in PDF, EPUB and Kindle. Book excerpt: Government bailouts; negative interest rates and markets that do not behave as economic models tell us they should; new populist and nationalist movements that target central banks and central bankers as a source of popular malaise; new regional organizations and geopolitical alignments laying claim to authority over the global economy; households, consumers, and workers facing increasingly intolerable levels of inequality: These dramatic conditions seem to cry out for new ways of understanding the purposes, roles, and challenges of central banks and financial governance more generally. Financial Citizenship reveals that the conflicts about who gets to decide how central banks do all these things, and about whether central banks are acting in everyone’s interest when they do them, are in large part the product of a culture clash between experts and the various global publics that have a stake in what central banks do. Experts—central bankers, regulators, market insiders, and their academic supporters—are a special community, a cultural group apart from many of the communities that make up the public at large. When the gulf between the culture of those who govern and the cultures of the governed becomes unmanageable, the result is a legitimacy crisis. This book is a call to action for all of us—experts and publics alike—to address this legitimacy crisis head on, for our economies and our democracies.

Author : Frederick F. Wherry
Publisher : Russell Sage Foundation
ISBN 13 : 1610448847
Total Pages : 175 pages
Book Rating : 4.40/5 ( download)

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Download or read book Credit Where It's Due written by Frederick F. Wherry and published by Russell Sage Foundation. This book was released on 2019-04-26 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.

Author : Annelise Riles
Publisher : Cornell University Press
ISBN 13 : 1501732749
Total Pages : 117 pages
Book Rating : 4.44/5 ( download)

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Download or read book Financial Citizenship written by Annelise Riles and published by Cornell University Press. This book was released on 2018-07-15 with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt: Government bailouts; negative interest rates and markets that do not behave as economic models tell us they should; new populist and nationalist movements that target central banks and central bankers as a source of popular malaise; new regional organizations and geopolitical alignments laying claim to authority over the global economy; households, consumers, and workers facing increasingly intolerable levels of inequality: These dramatic conditions seem to cry out for new ways of understanding the purposes, roles, and challenges of central banks and financial governance more generally. Financial Citizenship reveals that the conflicts about who gets to decide how central banks do all these things, and about whether central banks are acting in everyone’s interest when they do them, are in large part the product of a culture clash between experts and the various global publics that have a stake in what central banks do. Experts—central bankers, regulators, market insiders, and their academic supporters—are a special community, a cultural group apart from many of the communities that make up the public at large. When the gulf between the culture of those who govern and the cultures of the governed becomes unmanageable, the result is a legitimacy crisis. This book is a call to action for all of us—experts and publics alike—to address this legitimacy crisis head on, for our economies and our democracies.

Author : U.S. Citizenship and Immigration Services
Publisher : Government Printing Office
ISBN 13 : 9780160831188
Total Pages : 36 pages
Book Rating : 4.80/5 ( download)

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Download or read book Learn about the United States written by U.S. Citizenship and Immigration Services and published by Government Printing Office. This book was released on 2009 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Learn About the United States" is intended to help permanent residents gain a deeper understanding of U.S. history and government as they prepare to become citizens. The product presents 96 short lessons, based on the sample questions from which the civics portion of the naturalization test is drawn. An audio CD that allows students to listen to the questions, answers, and civics lessons read aloud is also included. For immigrants preparing to naturalize, the chance to learn more about the history and government of the United States will make their journey toward citizenship a more meaningful one.

Author : Richard Bellamy
Publisher : Oxford University Press
ISBN 13 : 0192802534
Total Pages : 153 pages
Book Rating : 4.38/5 ( download)

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Download or read book Citizenship: A Very Short Introduction written by Richard Bellamy and published by Oxford University Press. This book was released on 2008-09-25 with total page 153 pages. Available in PDF, EPUB and Kindle. Book excerpt: Interest in citizenship has never been higher. But what does it mean to be a citizen in a modern, complex community? Richard Bellamy approaches the subject of citizenship from a political perspective and, in clear and accessible language, addresses the complexities behind this highly topical issue.

Author : Detroit Arab American Study Group
Publisher : Russell Sage Foundation
ISBN 13 : 1610446135
Total Pages : 310 pages
Book Rating : 4.36/5 ( download)

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Download or read book Citizenship and Crisis written by Detroit Arab American Study Group and published by Russell Sage Foundation. This book was released on 2009-07-02 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is citizenship simply a legal status or does it describe a sense of belonging to a national community? For Arab Americans, these questions took on new urgency after 9/11, as the cultural prejudices that have often marginalized their community came to a head. Citizenship and Crisis reveals that, despite an ever-shifting definition of citizenship and the ease with which it can be questioned in times of national crisis, the Arab communities of metropolitan Detroit continue to thrive. A groundbreaking study of social life, religious practice, cultural values, and political views among Detroit Arabs after 9/11, Citizenship and Crisis argues that contemporary Arab American citizenship and identity have been shaped by the chronic tension between social inclusion and exclusion that has been central to this population's experience in America. According to the landmark Detroit Arab American Study, which surveyed more than 1,000 Arab Americans and is the focus of this book, Arabs express pride in being American at rates higher than the general population. In nine wide-ranging essays, the authors of Citizenship and Crisis argue that the 9/11 backlash did not substantially transform the Arab community in Detroit, nor did it alter the identities that prevail there. The city's Arabs are now receiving more mainstream institutional, educational, and political support than ever before, but they remain a constituency defined as essentially foreign. The authors explore the role of religion in cultural integration and identity formation, showing that Arab Muslims feel more alienated from the mainstream than Arab Christians do. Arab Americans adhere more strongly to traditional values than do other Detroit residents, regardless of religion. Active participants in the religious and cultural life of the Arab American community attain higher levels of education and income, yet assimilation to the American mainstream remains important for achieving enduring social and political gains. The contradictions and dangers of being Arab and American are keenly felt in Detroit, but even when Arab Americans oppose U.S. policies, they express more confidence in U.S. institutions than do non-Arabs in the general population. The Arabs of greater Detroit, whether native-born, naturalized, or permanent residents, are part of a political and historical landscape that limits how, when, and to what extent they can call themselves American. When analyzed against this complex backdrop, the results of The Detroit Arab American Study demonstrate that the pervasive notion in American society that Arabs are not like "us" is simply inaccurate. Citizenship and Crisis makes a rigorous and impassioned argument for putting to rest this exhausted cultural and political stereotype.

Author : Atossa Araxia Abrahamian
Publisher :
ISBN 13 : 9780990976363
Total Pages : 166 pages
Book Rating : 4.6X/5 ( download)

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Download or read book The Cosmopolites written by Atossa Araxia Abrahamian and published by . This book was released on 2015 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: The cosmopolites are literally "citizens of the world," from the Greek word kosmos, meaning "world," and polites, or "citizen." Garry Davis, aka World Citizen No. 1, and creator of the World Passport, was a former Broadway actor and World War II bomber pilot who renounced his American citizenship in 1948 as a form of protest against nationalism, sovereign borders, and war. Today there are cosmopolites of all stripes, rich or poor, intentional or unwitting, from 1-percenters who own five passports thanks to tax-havens to theBidoon, the stateless people of countries like the United Arab Emirates. Journalist Atossa Abrahamian, herself a cosmopolite, travels around the globe to meet the people who have come to embody an increasingly fluid, borderless world. Along the way you are introduced to a colorful cast of characters, including passport-burning atheist hackers, the new Knights of Malta, California libertarian "seasteaders," who are residents of floating city-states,Bidoons, who have been forced to be citizens of the island nation Comoros, entrepreneurs in the business of buying and selling passports, cosmopolites who live on a luxury cruise ship calledThe World, and shady businessmen with ties to Syrian dictator Bashar al Assad.

Author :
Publisher :
ISBN 13 :
Total Pages : 4 pages
Book Rating : 4.75/5 ( download)

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Download or read book Welcome to the United States written by and published by . This book was released on 2010 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Author : Ming Hsu Chen
Publisher : Stanford University Press
ISBN 13 : 1503612767
Total Pages : 229 pages
Book Rating : 4.61/5 ( download)

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Download or read book Pursuing Citizenship in the Enforcement Era written by Ming Hsu Chen and published by Stanford University Press. This book was released on 2020-08-25 with total page 229 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pursuing Citizenship in the Enforcement Era provides readers with the everyday perspectives of immigrants on what it is like to try to integrate into American society during a time when immigration policy is focused on enforcement and exclusion. The law says that everyone who is not a citizen is an alien. But the social reality is more complicated. Ming Hsu Chen argues that the citizen/alien binary should instead be reframed as a spectrum of citizenship, a concept that emphasizes continuities between the otherwise distinct experiences of membership and belonging for immigrants seeking to become citizens. To understand citizenship from the perspective of noncitizens, this book utilizes interviews with more than one-hundred immigrants of varying legal statuses about their attempts to integrate economically, socially, politically, and legally during a modern era of intense immigration enforcement. Studying the experiences of green card holders, refugees, military service members, temporary workers, international students, and undocumented immigrants uncovers the common plight that underlies their distinctions: limited legal status breeds a sense of citizenship insecurity for all immigrants that inhibits their full integration into society. Bringing together theories of citizenship with empirical data on integration and analysis of contemporary policy, Chen builds a case that formal citizenship status matters more than ever during times of enforcement and argues for constructing pathways to citizenship that enhance both formal and substantive equality of immigrants.

Author : Thomas A. Lucey
Publisher : Emerald Group Publishing
ISBN 13 : 1789736315
Total Pages : 184 pages
Book Rating : 4.11/5 ( download)

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Download or read book Intersections of Financial Literacy, Citizenship, and Spirituality written by Thomas A. Lucey and published by Emerald Group Publishing. This book was released on 2019-10-24 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: Through art-based instructional processes that stimulate students' affective awareness, it encourages facilitation of compassionate environments founded on principles of selflessness and will prove invaluable for researchers, leaders and practitioners in the field of social education.