Shortchanged

Author: Mariko Lin Chang
Publisher: Oxford University Press
ISBN: 0199896607
Format: PDF, ePub
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The first book to focus on the differences in wealth between women and men, Mariko Lin Chang draws on the most comprehensive national data on wealth and on in-depth interviews to show how differences in earnings, in saving and investing, and, most important, the demands of care-giving all contribute to the gender-wealth gap. A comprehensive portrait of where women and men stand with respect to wealth, Shortchanged not only sheds light on why women lack wealth, but also offers solutions for improving the financial situation of women, men, and families.

Shortchanged

Author: Mariko Lin Chang
Publisher: Oxford University Press
ISBN: 0199710066
Format: PDF, Docs
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Women now receive more college degrees than men, and enter the workforce with better job opportunities than ever before. Indeed, the wage gap between men and women has never been smaller. So why does the typical woman have only 36 cents for every dollar of wealth owned by the typical man? How is it that never-married women working full-time have only 16% as much wealth as similarly situated men? And why do single mothers have only 8% of the wealth of single fathers? The first book to focus on the differences in wealth between women and men, Shortchanged is a compelling and accessible examination of why women struggle to accumulate assets, who has what, and why it matters. Mariko Lin Chang draws on the most comprehensive national data on wealth and on in-depth interviews to show how differences in earnings, in saving and investing, and, most important, the demands of care-giving all contribute to the gender-wealth gap. She argues that the current focus on equal pay and family-friendly workplace policies, although important, will not ultimately change or eliminate wealth inequalities. What Chang calls the "wealth escalator"--comprised of fringe benefits, the tax code, and government benefits--and the "debt anchor" must be the targets of policies aimed at strengthening women's financial resources. Chang proposes a number of practical suggestions to address the unequal burdens and consequences of care-giving, so that women who work just as hard as men will not be left standing in financial quicksand. A comprehensive portrait of where women and men stand with respect to wealth, Shortchanged not only sheds light on why women lack wealth, but also offers solutions for improving the financial situation of women, men, and families.

Shortchanged

Author: Mariko Lin Chang
Publisher: Oxford University Press
ISBN: 9780199798865
Format: PDF
Download Now
Women now receive more college degrees than men, and enter the workforce with better job opportunities than ever before. Indeed, the wage gap between men and women has never been smaller. So why does the typical woman have only 36 cents for every dollar of wealth owned by the typical man? How is it that never-married women working full-time have only 16% as much wealth as similarly situated men? And why do single mothers have only 8% of the wealth of single fathers? The first book to focus on the differences in wealth between women and men, Shortchanged is a compelling and accessible examination of why women struggle to accumulate assets, who has what, and why it matters. Mariko Lin Chang draws on the most comprehensive national data on wealth and on in-depth interviews to show how differences in earnings, in saving and investing, and, most important, the demands of care-giving all contribute to the gender-wealth gap. She argues that the current focus on equal pay and family-friendly workplace policies, although important, will not ultimately change or eliminate wealth inequalities. What Chang calls the "wealth escalator"--comprised of fringe benefits, the tax code, and government benefits--and the "debt anchor" must be the targets of policies aimed at strengthening women's financial resources. Chang proposes a number of practical suggestions to address the unequal burdens and consequences of care-giving, so that women who work just as hard as men will not be left standing in financial quicksand. A comprehensive portrait of where women and men stand with respect to wealth, Shortchanged not only sheds light on why women lack wealth, but also offers solutions for improving the financial situation of women, men, and families.

Under the Bus

Author: Caroline Fredrickson
Publisher: New Press, The
ISBN: 1620970805
Format: PDF, ePub
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Most Americans think that our country has done quite a lot to protect women and ensure gender equity in the workplace. After all, we have banned discrimination against women, required equal pay for equal work, and adopted family-leave legislation. But the fact is that we have a two-tiered system, where some working women have a full panoply of rights while others have few or none at all. We allow blatant discrimination by small employers. Domestic workers are cut out of our wage and overtime laws. Part-time workers, disproportionately women, are denied basic benefits. Laws are written through a process of compromise and negotiation, and in each case vulnerable workers were the bargaining chip that was sacrificed to guarantee the policy's enactment. For these workers, the system that was supposed to act as a safety net has become a sieve—and they are still falling through. Caroline Fredrickson is a powerful advocate and D.C. insider who has witnessed the legislative compromises that leave out temps, farmworkers, employees of small businesses, immigrants, and other workers who fall outside an intentionally narrow definition of "employees." The women in this fast-growing part of the workforce are denied minimum wage, maternity leave, health care, the right to unionize, and protection from harassment and discrimination—all within the bounds of the law. If current trends continue, their fate will be the future of all American workers.

How Schools Shortchange Girls

Author:
Publisher: Da Capo Press
ISBN: 9781569248218
Format: PDF
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A volume based on more than 1,300 studies challenges common assumptions that girls are treated equally in public schools and cites examples of discriminatory behavior in the classroom while noting the negative effects of such behaviors. Original. IP.

Shortchanged

Author: Howard Jacob Karger
Publisher: Berrett-Koehler Publishers
ISBN: 1609943880
Format: PDF, ePub
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Drive through just about any low-income neighborhood and you're sure to see streets lined with pawnshops, check cashers, rent-to-own stores, payday and tax refund lenders, auto title pawns, and buy-here-pay-here used car lots. We're awash in "alternative financial services" directed at the poor and those with credit problems. Howard Karger describes this world as an economic Wild West, where just about any financial scheme that's not patently illegal is tolerated. Taking a hard look at this fringe economy, Karger shows that what seem to be small, independent storefront operations are actually part of a fully-formed parallel economy dominated by a handful of well-financed corporations, subject to little or no oversight, with increasingly strong ties to mainstream financial institutions. "It is a hidden world," Karger writes, "where a customer's economic fate is sealed with a handshake, a smile, and a stack of fine print documents that would befuddle many attorneys." Filled with heartbreaking stories of real people trapped in perpetual debt, Shortchanged exposes the deceptive practices that allow these businesses to prey on people when they are most vulnerable. Karger reveals the many ways this industry has run amok, ruining countless people's lives, and shows that it's not just the poor but, more and more, maxed-out middle class consumers who fall prey to these devious schemes. Balancing compassion with a realistic awareness of the risks any business faces in working with an economically distressed clientele, Karger details hard headed, practical recommendations for reforming this predatory industry.

Why are Women More Religious Than Men

Author: Marta Trzebiatowska
Publisher: Oxford University Press
ISBN: 0199608105
Format: PDF, ePub
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Women are more religious than men in almost every society and religious tradition (both old and new). They are also more likely to pray, to worship, to believe in the afterlife, and to consult mediums, fortune-tellers, and horoscopes. This book presents comprehensive evidence for this gender gap in religiosity, discusses the competing explanations put forward by scholars and offers its own answer to the question: 'why are women more religious than men'? The keyargument is that as women's lives become less restricted by patriarchy and traditional religious norms, the gender gap is likely to decrease, or disappear altogether.

Millionaire Teacher

Author: Andrew Hallam
Publisher: John Wiley & Sons
ISBN: 1119356318
Format: PDF, ePub
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Adopt the investment strategy that turned a school teacher into a millionaire Millionaire Teacher shows you how to achieve financial independence through smart investing — without being a financial wizard. Author Andrew Hallam was a high school English teacher. He became a debt-free millionaire by following a few simple rules. In this book, he teaches you the financial fundamentals you need to follow in his tracks. You can spend just an hour per year on your investments, never think about the stock market's direction — and still beat most professional investors. It's not about get-rich-quick schemes or trendy investment products peddled by an ever-widening, self-serving industry; it's about your money and your future. This new second edition features updated discussion on passive investing, studies on dollar cost averaging versus lump sum investing, and a detailed segment on RoboAdvisors for Americans, Canadians, Australians, Singaporeans and British investors. Financial literacy is rarely taught in schools. Were you shortchanged by your education system? This book is your solution, teaching you the ABCs of finance to help you build wealth. Gain the financial literacy to make smart investment decisions Learn why you should invest in index funds Find out how to find the right kind of financial advisor Avoid scams and flash-in-the-pan trends Millionaire Teacher shows how to build a strong financial future today.

The Hidden Rules of Race

Author: Andrea Flynn
Publisher: Cambridge University Press
ISBN: 110841754X
Format: PDF, ePub, Mobi
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This book explores the racial rules that are often hidden but perpetuate vast racial inequities in the United States.

Pinch

Author: David Willetts
Publisher: Atlantic Books
ISBN: 0857891421
Format: PDF, ePub, Mobi
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The baby boom of 1945-65 produced the biggest, richest generation that Britain has ever known. Today, at the peak of their power and wealth, baby boomers now run the country; by virtue of their sheer demographic power, they have fashioned the world around them in a way that meets all of their housing, healthcare, and financial needs. In this original and provocative book, David Willetts shows how the baby boomer generation has attained this position at the expense of their children. Social, cultural, and economic provision has been made for the reigning section of society, whilst the needs of the next generation have taken a back seat. Willetts argues that if our political, economic, and cultural leaders do not begin to discharge their obligations to the future, the young people of today will be taxed more, work longer hours for less money, have lower social mobility, and live in a degraded environment in order to pay for their parents' quality of life. Baby boomers, worried about the kind of world they are passing on to their children, are beginning to take note. However, whilst the imbalance in the quality of life between the generations is becoming more obvious, what is less certain is whether the older generation will be willing to make the sacrifices necessary for a more equal distribution. The Pinch is a landmark account of intergenerational relations in Britain. It is essential reading for parents and policymakers alike.