Inclusion in the American Dream: Assets, Poverty, and Public Policy [NOOK Book]

Overview

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 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 ...
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Inclusion in the American Dream: Assets, Poverty, and Public Policy

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Overview

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 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.
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Editorial Reviews

From the Publisher
"Michael Sherraden's pathbreaking work on savings has had a profound impact on public policy. He has demonstrated that low-income households can save, and that savings are critical to insure against job loss, illness, and other life emergencies, as well as to build assets for long-term well-being. His institutional theory of savings has helped to change the way we understand basic economic choices facing families. Now, in this volume, Sherraden and his co-authors show us how to begin to move beyond individual development accounts to build a truly inclusive asset policy that is both progressive and universal. Sherraden's intellectual contribution to assets policy is simply astounding."-Michael S. Barr, Assistant Professor of Law, University of Michigan Law School; nonresident senior fellow, The Brookings Institution; former senior official of the United States Treasury Department; and former special advisor to President Clinton

"Inclusion in the American Dream is an important antidote to the biased social policies inherent in recent large-scale tax cuts in the United States and policies for privatization of social security. These policies are asset building for the well-to-do, leaving the poor out of state state-sponsored opportunities for asset building. These research studies amply demonstrate the importance of an inclusive asset policy for the well-being of American families and the realization of the American dream for all."—Melvin L. Oliver, Professor of Sociology and Dean, Division of Social Science, University of California, Santa Barbara; co-author of Black Wealth/White Wealth: A New Perspective of Racial Inequality

"Asset building as a means of preventing and alleviating poverty is a powerful idea that is rapidly capturing the imagination of leaders across all sectors of society in an ever-growing list of countries. If there is one central message in this book, it is how important savings and assets are to our quality of life regardless of income. If the objective of social policy is to improve the quality of life and if the goal of development is to build and enhance capabilities, this book is a must-read for social policy makers and community developers in all industrialized countries."—Peter Nares, Founding Executive Director, Social and Enterprise Development Innovations (SEDI), Canada

"Asset-based welfare has emerged as a major new strand of thinking in British social policy in the last five years. Significant new government policies such as the Child Trust Fund have flowed from its insights. Michael Sherraden's work has been hugely influential in that process and this book will undoubtedly contribute further to the theory and practice of asset-building policy in both the United Kingdom and United States."—Nick Pearce, Director, Institute for Public Policy Research (IPPR), United Kingdom

"[This book's] contributors include some of the most important scholars currently involved in the field, and in many ways, the book offers a state-of-the-art account of asset policy. ...this important book is an essential resource for anyone interested in the asset approach."Social Development Issues

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Product Details

  • ISBN-13: 9780190290603
  • Publisher: Oxford University Press
  • Publication date: 6/23/2005
  • Sold by: Barnes & Noble
  • Format: eBook
  • File size: 22 MB
  • Note: This product may take a few minutes to download.

Meet the Author

Michael Sherraden in Benjamin E. Youngdahl Professor of Social Development and founding director of the Center for Social Development (CSD) at Washington University in St. Louis. Sherraden originated the phrase "asset-based policy," which suggests that social policy and programs should promote not merely income and consumption, but also savings and investment.

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Table of Contents

Introduction
1 Assets and public policy 3
2 The Homestead Act : a major asset-building policy in American history 20
3 Asset-based policy in historical and international perspective 42
4 Who are the asset poor? : levels, trends, and composition, 1983-1998 61
5 Family matters : kin networks and asset accumulation 87
6 Family assets and school access : race and class in the structuring of educational opportunity 112
7 Home ownership and youth well-being 128
8 Reaching out to the unbanked 149
9 Linking tax refunds and low-cost bank accounts to bank the unbanked 167
10 Assets and the poor : evidence from individual development accounts 185
11 The impacts of IDA programs on family savings and asset holdings 216
12 Going to scale : principles and policy options for an inclusive asset-building policy 241
13 Toward progressive pensions : a summary of the U.S. pension system and proposals for reform 262
14 The thrift savings plan experience : implications for a universal asset account initiative 281
15 The universal piggy bank : designing and implementing a system of savings accounts for children 303
16 The EITC and USAs/IDAs : maybe a marriage made in heaven? 323
17 Critical questions in asset-based policy 351
18 Inclusion in asset building : directions for theory and research 360
Conclusion 393
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