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Cover image of the book Social Awakening
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Social Awakening

Adolescent Behavior as Adulthood Approaches
Editor
Robert T. Michael
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6.63 in. × 9.25 in. 432 pages
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978-0-87154-616-6
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While headlines about violent crimes committed by adolescents often capture the public's attention, many more young people excel in the classroom, on the athletic field, and in the community. Why do some youngsters strive to achieve while others court disaster? Using new data from the National Longitudinal Survey of Youth (NLSY), a survey of more than nine thousand young people between the ages of twelve and sixteen, Social Awakening explores the choices adolescents make about their lives and their futures. The book focuses on the key role the family plays as teenagers navigate the difficult transition from childhood to adulthood.

Social Awakening analyzes a wide range of adolescent behavior and issues that affect teenagers' lives—from their dating and sexual behavior, drug and alcohol use, and physical and mental well-being, to their career goals and expectations for the future. The findings strengthen our understanding of how an array of family characteristics—single parenthood, income, educational level, race, and geographical location—influences teens' lives. One contributor explores why children from single-parent families are more likely to perform poorly in school and to indulge in risky behavior, such as drug abuse or promiscuous sexual activity. Another chapter examines why children of parents with a college degree are less likely to engage in early sexual activity. And another looks at different levels of criminal behavior among urban and rural youths.

One of the advantages of an in-depth interview such as the NLSY is the wide array of behavior and experiences by the same youths that can be mutually investigated. The analysis in Social Awakening helps confirm or refute what we think we know—to explore what we could not explore with older or less complex surveys. The NLSY, which forms the foundation of Social Awakening, will be updated annually over the coming decades to enable experts to learn how those who were adolescents at the dawn of the twenty-first century handled the move to adulthood. Social Awakening provides a compelling first look at these young peoples' lives.

ROBERT T. MICHAEL is Elkiam Hastings Moore Distinguished Service Professor and dean of the Irving B. Harris Graduate School of Public Policy Studies, University of Chicago.

CONTRIBUTORS: Yasuo Abe,  Laura M. Argys,  Courtney Bickert,  John Cawley,  Pinka Chatterji,  Jeff Dominitz,  Baruch Fischoff,  Diane Gibson,  Charles F. Manski,  Mignon R. Moore,  H. Elizabeth Peters, Charles R. Pierret,  Robin L. Tepper,  James R. Walker,  L. Susan Williams. 
 

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Cover image of the book Making Work Pay
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Making Work Pay

The Earned Income Tax Credit and Its Impact on America's Families
Editors
Bruce D. Meyer
Douglas Holtz-Eakin
Hardcover
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6 in. × 9 in. 412 pages
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978-0-87154-599-2
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 Since its inception under President Ford in 1975, the Earned Income Tax Credit (EITC) has become the largest antipoverty program for the non-elderly in the United States. In 1998, more than nineteen million families received EITC payments, and the program lifted over four million Americans above the poverty line. Despite the rapid growth of the EITC throughout the 1990s, little has been written about how the program works or how it affects low-income families. Making Work Pay provides the first full-scale examination of the EITC, exploring its effects on income distribution, poverty, work, and marriage.

Making Work Pay opens with a history of the EITC -- its emergence in the 1970s as a pro-work, low-cost antipoverty program and its expansion through the 1980s and 1990s. The central chapters in the volume look at the substantial impact of the EITC on work incentives in recent years and show that the program, in combination with welfare reform and a strong economy, has led to an unprecedented increase in the employment of single mothers. In one study, researchers conclude that the EITC—with its stipulation that one family member be a wage earner—was the most important change in work incentives for single mothers between 1984 and 1996, a period when the employment rate of single mothers rose sharply. Several chapters outline proposals for reforming the program, addressing the concerns by policymakers about the work disincentives that rise as benefits fall with increasing income. Finally, Making Work Pay examines how EITC recipients view the credit and what they do with it once they get it. The contributors find that not only does EITC's lump-sum payment increase consumption but it also allows recipients to make changes in economic status. Many families use the end-of-the-year payment as a form of forced savings, enabling them to save for home improvement, a new car, or other purchases to improve their lives, and providing the extra economic cushion needed to move beyond mere day-to-day survival.

Comprehensive in scope, Making Work Pay is an indispensable resource for policymakers, administrators, and researchers seeking to understand the ramifications of the country's largest programs for aiding the working poor.

BRUCE D. MEYER is professor of economics at Northwestern University.

DOUGLAS HOLTZ-EAKIN is at the Center for Policy Research, Syracuse University.

CONTRIBUTORS:  Lisa Barrow, David T. Ellwood, Janet Holtzblatt, Jeffrey B. Liebman, Janet McCubbin, Leslie McGranahan, Michael O'Connor, Katherin Ross Phillips, Robert Rebelein, Jennifer L. Romich, Dan T. Rosenbaum, Timothy M. Smeeding, Dennis J. Ventry Jr., Thomas S. Weisner.

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Cover image of the book Market Friendly or Family Friendly?
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Market Friendly or Family Friendly?

The State and Gender Inequality in Old Age
Authors
Madonna Harrington Meyer
Pamela Herd
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$33.95
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6 in. × 9 in. 256 pages
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978-0-87154-646-3
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A Volume in the American Sociological Association’s Rose Series in Sociology

Winner of the 2008 Richard Kalish Publication Award from the Genontological Society of America

Poverty among the elderly is sharply gendered—women over sixty-five are twice as likely as men to live below the poverty line. Older women receive smaller Social Security payments and are less likely to have private pensions. They are twice as likely as men to need a caregiver and twice as likely as men to be a caregiver. Recent efforts of some in Washington to reduce and privatize social welfare programs threaten to exacerbate existing gender disparities among older Americans. They also threaten to exacerbate inequality among women by race, class, and marital status. Madonna Harrington Meyer and Pamela Herd explain these disparities and assess how proposed policy reforms would affect inequality among the aged.

Market Friendly or Family Friendly? documents the cumulative disadvantages that make it so difficult for women to achieve economic and health security when they retire. Wage discrimination and occupational segregation reduce women’s lifetime earnings, depressing their savings and Social Security benefits. While more women are employed today than a generation ago, they continue to shoulder a greater share of the care burden for children, the disabled, and the elderly. Moreover, as marriage rates have declined, more working mothers are raising children single-handedly. Women face higher rates of health problems due to their lower earnings and the high demands associated with unpaid care work.  There are also financial consequences to these family and work patterns.

Harrington Meyer and Herd contrast the impact of market friendly programs that maximize individual choice, risk, and responsibility with family friendly programs aimed at redistributing risks and resources. They evaluate popular policies on the current agenda, considering the implications for inequality. But they also evaluate less discussed policy proposals. In particular, minimum benefits for Social Security, as well as credits for raising children, would improve economic security for all, regardless of marital status. National health insurance would also reduce inequality, as would reforms to Medicare, particularly increased coverage of long term care. Just as important are policies such as universal preschool and paid family leave aimed at reducing the disadvantages women face during their working years.

The gender gaps that women experience during their work and family lives culminate in income and health disparities between men and women during retirement, but the problem has received scant attention. Market Friendly or Family Friendly? is a comprehensive introduction to this issue, and a significant contribution to the debate over the future of America’s entitlement programs.

MADONNA HARRINGTON MEYER is professor of sociology, director of the Gerontology Center, and senior research associate at the Center for Policy Research at Syracuse University.

PAMELA HERD is assistant professor of public affairs and sociology and a research associate at the Institute for Research on Poverty at the University of Wisconsin, Madison.

An Institute for Research on Poverty Affiliated Book on Poverty and Public Policy

 

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Cover image of the book Girls at Vocational High
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Girls at Vocational High

An Experiment in Social Work Intervention
Authors
Henry J. Meyer
Edgar F. Borgatta
Wyatt C. Jones
Hardcover
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6 in. × 9 in. 228 pages
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978-0-87154-601-2
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Teachers, social workers, psychologists, and sociologists carried out an ambitious, six-year experiment in individual casework and group therapy with potential problem girls in a New York City vocational high school. Conducted in collaboration with Youth Consultation Service, this provocative study provides valuable data on adolescent girls—and raises compelling questions on the extent to which casework can be effective in interrupting deviant careers.

HENRY J. MEYER is professor in the School of Social Work and the Department of Sociology at the University of Michigan.

EDGAR F. BORGATTA is chairman of the Department of Sociology at the University of Wisconsin.

WYATT C. JONES is senior research scientist in the School of Social Work at Columbia University

ELIZABETH P. ANDERSON is director of Youth Consultation Service.

HANNA GRUNWALD is group therapy consultant.

DOROTHY HEADLEY is senior group therapist.

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Cover image of the book Poverty, Inequality, and the Future of Social Policy
Books

Poverty, Inequality, and the Future of Social Policy

Western States in the New World Order
Editors
Katherine McFate
Roger Lawson
William Julius Wilson
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$37.50
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6.63 in. × 9.25 in. 768 pages
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978-0-87154-593-0
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"Extremely coherent and useful, this much needed volume is concerned with the current status of the poor in Western industrial states. Its closely linked essays allow comparisons between case studies and are often themselves cross-national comparisons....The essays also comment on the meaning of globalization for social policy." —Choice

"Excellent and tightly integrated articles by a group of prominent international scholars....A timely and important book, which will surely become the basic reference point for all future research on inequality and social policy." —Contemporary Sociology

The social safety net is under strain in all Western nations, as social and economic change has created problems that traditional welfare systems were not designed to handle. Poverty, Inequality, and the Future of Social Policy provides a definitive analysis of the conditions that are fraying the social fabric and the reasons why some countries have been more successful than others in addressing these trends. In the United States, where the poverty rate in the 1980s was twice that of any advanced nation in Europe, the social protection system—and public support for it—has eroded alarmingly. In Europe, the welfare system more effectively buffered the disadvantaged, but social expenditures have been indicted by many as the principal cause of high unemployment.

Concluding chapters review the progress and goals of social welfare programs, assess their viability in the face of creeping economic, racial, and social fragmentation, and define the challenges that face those concerned with social cohesion and economic prosperity in the new global economy. This volume illuminates the disparate effects of government intervention on the incidence and duration of poverty in Western countries. Poverty, Inequality, and the Future of Social Policy is full of lessons for anyone who would look beyond the limitations of the welfare debate in the United States.

KATHERINE McFATE is associate director for social policy at the Joint Center for Political and Economic Studies in Washington.

ROGER LAWSON is senior lecturer in social policy at the University of Southampton, England.

WILLIAM JULIUS WILSON is Malcolm Wiener Professor of Social Policy at Harvard University.

CONTRIBUTORS: Timothy Smeeding, Lee Rainwater, Greg J. Duncan, Bjorn Gustafsson, Richard Hauser, Gunter Schmaus, Stephen Jenkins, Hans Messinger, Ruud Muffels, Brian Nolan, Jean-Claude Ray, Wolfgang Voges, Susan Mayer, Guy Standing, Peter Gottschalk, Mary Joyce, Sheila B. Kamerman, Nadine Lefaucheur, Siv Gustafsson, Ruth Rose, Sara McLanahan, Irwin Garfinkel, aul Osterman, Bernard Casey, Enrico Pugliese, Troy Duster, Alejandro Portes, Min Zhou,Ian Gordon, Loic Wacquant, Sophie Body-Gendrot, Colin Brown, Justus Veenman, Hugh Heclo, Roger Lawson, William Julius Wilson. 

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Cover image of the book Behavioral Public Finance
Books

Behavioral Public Finance

Editors
Edward J. McCaffery
Joel Slemrod
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$55.00
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6 in. × 9 in. 416 pages
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978-0-87154-597-8
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Behavioral economics questions the basic underpinnings of economic theory, showing that people often do not act consistently in their own self-interest when making economic decisions. While these findings have important theoretical implications, they also provide a new lens for examining public policies, such as taxation, public spending, and the provision of adequate pensions. How can people be encouraged to save adequately for retirement when evidence shows that they tend to spend their money as soon as they can? Would closer monitoring of income tax returns lead to more honest taxpayers or a more distrustful, uncooperative citizenry? Behavioral Public Finance, edited by Edward McCaffery and Joel Slemrod, applies the principles of behavioral economics to government's role in constructing economic and social policies of these kinds and suggests that programs crafted with rational participants in mind may require redesign.
Behavioral Public Finance looks at several facets of economic life and asks how behavioral research can increase public welfare. Deborah A. Small, George Loewenstein, and Jeff Strnad note that public support for a tax often depends not only on who bears its burdens, but also on how the tax is framed. For example, people tend to prefer corporate taxes over sales taxes, even though the cost of both is eventually extracted from the consumer. James J. Choi, David Laibson, Brigitte C. Madrian, and Andrew Metrick assess the impact of several different features of 401(k) plans on employee savings behavior. They find that when employees are automatically enrolled in a retirement savings plan, they overwhelmingly accept the status quo and continue participating, while employees without automatic enrollment typically take over a year to join the saving plan. Behavioral Public Finance also looks at taxpayer compliance. While the classic economic model suggests that the low rate of IRS audits means far fewer people should voluntarily pay their taxes than actually do, John Cullis, Philip Jones, and Alan Lewis present new research showing that many people do not underreport their incomes even when the probability of getting caught is a mere one percent.

Human beings are not always rational, utility-maximizing economic agents. Behavioral economics has shown how human behavior departs from the assumptions made by generations of economists. Now, Behavioral Public Finance brings the insights of behavioral economics to analysis of policies that affect us all.

EDWARD J. MCCAFFERY is Robert C. Packard Trustee Chair in Law and Political Science at the University of Southern California and visiting professor of law and economics at the California Institute of Technology.

JOEL SLEMROD is Paul W. McCracken Collegiate Professor of Business Economics and Public Policy, director of the Office of Tax Policy Research in the Stephen M. Ross School of Business, and professor of economics at the University of Michigan.

CONTRIBUTORS: Caroline Adams, Jonathan Baron, James J. Choi, Terrence Chorvat, John Cullis, Henk Elffers, Richard A. Epstein, Hanming Fang, Lee Anne Fennell, Bruno S. Frey, Howell E. Jackson, Philip Jones, David Laibson, Alan Lewis, George Loewenstein, Brigitte C. Madrian, Edward J. McCaffery, Andrew Metrick, Joel Slemrod, Dan Silverman, Deborah A. Small, Jeff Strnad, Alois Stutzer, and Paul Webley.

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Cover image of the book Beyond Smoke and Mirrors
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Beyond Smoke and Mirrors

Mexican Immigration in an Era of Economic Integration
Authors
Douglas S. Massey
Jorge Durand
Nolan J. Malone
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6 in. × 9 in. 216 pages
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978-0-87154-590-9
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Winner of the 2004 Otis Dudley Duncan Award for Outstanding Scholarship in Social Demography

Honorarble Mention 2004 Thomas and Znaniecki Award from the International Migration Section of the American Sociological Association

Migration between Mexico and the United States is part of a historical process of increasing North American integration. This process acquired new momentum with the passage of the North American Free Trade Agreement in 1994, which lowered barriers to the movement of goods, capital, services, and information. But rather than include labor in this new regime, the United States continues to resist the integration of the labor markets of the two countries. Instead of easing restrictions on Mexican labor, the United States has militarized its border and adopted restrictive new policies of immigrant disenfranchisement. Beyond Smoke and Mirrors examines the devastating impact of these immigration policies on the social and economic fabric of the Mexico and the United States, and calls for a sweeping reform of the current system.

Beyond Smoke and Mirrors shows how U.S. immigration policies enacted between 1986–1996—largely for symbolic domestic political purposes—harm the interests of Mexico, the United States, and the people who migrate between them. The costs have been high. The book documents how the massive expansion of border enforcement has wasted billions of dollars and hundreds of lives, yet has not deterred increasing numbers of undocumented immigrants from heading north. The authors also show how the new policies unleashed a host of unintended consequences: a shift away from seasonal, circular migration toward permanent settlement; the creation of a black market for Mexican labor; the transformation of Mexican immigration from a regional phenomenon into a broad social movement touching every region of the country; and even the lowering of wages for legal U.S. residents. What had been a relatively open and benign labor process before 1986 was transformed into an exploitative underground system of labor coercion, one that lowered wages and working conditions of undocumented migrants, legal immigrants, and American citizens alike.

Beyond Smoke and Mirrors offers specific proposals for repairing the damage. Rather than denying the reality of labor migration, the authors recommend regularizing it and working to manage it so as to promote economic development in Mexico, minimize costs and disruptions for the United States, and maximize benefits for all concerned. This book provides an essential "user's manual" for readers seeking a historical, theoretical, and substantive understanding of how U.S. policy on Mexican immigration evolved to its current dysfunctional state, as well as how it might be fixed.

DOUGLAS S. MASSEY is the Dorothy Swaine Thomas Professor of Sociology at the University of Pennsylvania.

JORGE DURAND is professor and investigator in the Department for the Study of Social Movements at the Universidad de Guadalajara.

NOLAN J. MALONE is a doctoral candidate in demography at the University of Pennsylvania.

 

 

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Cover image of the book New Faces in New Places
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New Faces in New Places

The Changing Geography of American Immigration
Editor
Douglas S. Massey
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$33.95
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6 in. × 9 in. 384 pages
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978-0-87154-568-8
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Beginning in the 1990s, immigrants to the United States increasingly bypassed traditional gateway cites such as Los Angeles and New York to settle in smaller towns and cities throughout the nation. With immigrant communities popping up in so many new places, questions about ethnic diversity and immigrant assimilation confront more and more Americans. New Faces in New Places, edited by distinguished sociologist Douglas Massey, explores today’s geography of immigration and examines the ways in which native-born Americans are dealing with their new neighbors.

Using the latest census data and other population surveys, New Faces in New Places examines the causes and consequences of the shift toward new immigrant destinations. Contributors Mark Leach and Frank Bean examine the growing demand for low-wage labor and lower housing costs that have attracted many immigrants to move beyond the larger cities. Katharine Donato, Charles Tolbert, Alfred Nucci, and Yukio Kawano report that the majority of Mexican immigrants are no longer single male workers but entire families, who are settling in small towns and creating a surge among some rural populations long in decline. Katherine Fennelly shows how opinions about the growing immigrant population in a small Minnesota town are divided along socioeconomic lines among the local inhabitants. The town’s leadership and professional elites focus on immigrant contributions to the economic development and the diversification of the community, while working class residents fear new immigrants will bring crime and an increased tax burden to their communities. Helen Marrow reports that many African Americans in the rural south object to Hispanic immigrants benefiting from affirmative action even though they have just arrived in the United States and never experienced historical discrimination. As Douglas Massey argues in his conclusion, many of the towns profiled in this volume are not equipped with the social and economic institutions to help assimilate new immigrants that are available in the traditional immigrant gateways of New York, Los Angeles, and Chicago. And the continual replenishment of the flow of immigrants may adversely affect the nation’s perception of how today’s newcomers are assimilating relative to previous waves of immigrants.

New Faces in New Places illustrates the many ways that communities across the nation are reacting to the arrival of immigrant newcomers, and suggests that patterns and processes of assimilation in the twenty-first century may be quite different from those of the past. Enriched by perspectives from sociology, anthropology, and geography New Faces in New Places is essential reading for scholars of immigration and all those interested in learning the facts about new faces in new places in America.

DOUGLAS S. MASSEY is Henry G. Bryant Professor of Sociology and Public Affairs at the Woodrow Wilson School.

CONTRIBUTORS: Carl L. Bankston III, Frank D. Bean, Chiara Capoferro, Katharine M. Donato, Katherine Fennelly, David Griffith, Charles Hirschman, Michael Jones-Correa, William Kandel, Yukio Kawano, Mark A. Leach, Helen B. Marrow, Alfred Nucci, Emilio A. Parrado, Debra Lattanzi Shutika, Charles Tolbert, Jamie Winders. 

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Cover image of the book Categorically Unequal
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Categorically Unequal

The American Stratification System
Author
Douglas S. Massey
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$27.95
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6 in. × 9 in. 340 pages
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978-0-87154-584-8
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The United States holds the dubious distinction of having the most unequal income distribution of any advanced industrialized nation. While other developed countries face similar challenges from globalization and technological change, none rivals America’s singularly poor record for equitably distributing the benefits and burdens of recent economic shifts. In Categorically Unequal, Douglas Massey weaves together history, political economy, and even neuropsychology to provide a comprehensive explanation of how America’s culture and political system perpetuates inequalities between different segments of the population.

Categorically Unequal is striking both for its theoretical originality and for the breadth of topics it covers. Massey argues that social inequalities arise from the universal human tendency to place others into social categories. In America, ethnic minorities, women, and the poor have consistently been the targets of stereotyping, and as a result, they have been exploited and discriminated against throughout the nation’s history. African-Americans continue to face discrimination in markets for jobs, housing, and credit. Meanwhile, the militarization of the U.S.-Mexican border has discouraged Mexican migrants from leaving the United States, creating a pool of exploitable workers who lack the legal rights of citizens. Massey also shows that women’s advances in the labor market have been concentrated among the affluent and well-educated, while low-skilled female workers have been relegated to occupations that offer few chances for earnings mobility. At the same time, as the wages of low-income men have fallen, more working-class women are remaining unmarried and raising children on their own. Even as minorities and women continue to face these obstacles, the progressive legacy of the New Deal has come under frontal assault. The government has passed anti-union legislation, made taxes more regressive, allowed the real value of the federal minimum wage to decline, and drastically cut social welfare spending. As a result, the income gap between the richest and poorest has dramatically widened since 1980. Massey attributes these anti-poor policies in part to the increasing segregation of neighborhoods by income, which has insulated the affluent from the social consequences of poverty, and to the disenfranchisement of the poor, as the population of immigrants, prisoners, and ex-felons swells.

America’s unrivaled disparities are not simply the inevitable result of globalization and technological change. As Massey shows, privileged groups have systematically exploited and excluded many of their fellow Americans. By delving into the root causes of inequality in America, Categorically Unequal provides a compelling argument for the creation of a more equitable society.

DOUGLAS S. MASSEY is the Henry G. Bryant Professor of Sociology and Public Affairs at Princeton University.

A Volume in the the Russell Sage Foundation's Centennial Series

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Cover image of the book Steady Gains and Stalled Progress
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Steady Gains and Stalled Progress

Inequality and the Black-White Test Score Gap
Editors
Katherine Magnuson
Jane Waldfogel
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$45.00
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6 in. × 9 in. 368 pages
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978-0-87154-473-5
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Addressing the disparity in test scores between black and white children remains one of the greatest social challenges of our time. Between the 1960s and 1980s, tremendous strides were made in closing the achievement gap, but that remarkable progress halted abruptly in the mid 1980s, and stagnated throughout the 1990s. How can we understand these shifting trends and their relation to escalating economic inequality? In Steady Gains and Stalled Progress, interdisciplinary experts present a groundbreaking analysis of the multifaceted reasons behind the test score gap—and the policies that hold the greatest promise for renewed progress in the future.

Steady Gains and Stalled Progress shows that while income inequality does not directly lead to racial differences in test scores, it creates and exacerbates disparities in schools, families, and communities—which do affect test scores. Jens Ludwig and Jacob Vigdor demonstrate that the period of greatest progress in closing the gap coincided with the historic push for school desegregation in the 1960s and 1970s. Stagnation came after efforts to integrate schools slowed down. Today, the test score gap is nearly 50 percent larger in states with the highest levels of school segregation.  Katherine Magnuson, Dan Rosenbaum, and Jane Waldfogel show how parents’ level of education affects children’s academic performance: as educational attainment for black parents increased in the 1970s and 1980s, the gap in children’s test scores narrowed. Sean Corcoran and William Evans present evidence that teachers of black students have less experience and are less satisfied in their careers than teachers of white students. David Grissmer and Elizabeth Eiseman find that the effects of economic deprivation on cognitive and emotional development in early childhood lead to a racial divide in school readiness on the very first day of kindergarten. Looking ahead, Helen Ladd stresses that the task of narrowing the divide is not one that can or should be left to schools alone. Progress will resume only when policymakers address the larger social and economic forces behind the problem. Ronald Ferguson masterfully interweaves the volume’s chief findings to highlight the fact that the achievement gap is the cumulative effect of many different processes operating in different contexts.

The gap in black and white test scores is one of the most salient features of racial inequality today. Steady Gains and Stalled Progress provides the detailed information and powerful insight we need to understand a complicated past and design a better future.

KATHERINE MAGNUSON is assistant professor of social work and a faculty affiliate at the Institute for Research on Poverty at the University of Wisconsin, Madison.

JANE WALDFOGEL is professor of social work and public affairs at Columbia University.

CONTRIBUTORS: Mark Berends, Mary E. Campbell, Sean P. Corcoran, Elizabeth Eiseman, William N. Evans, Ronald F. Ferguson,  David Grissmer,  Robert Haveman,  Helen F. Ladd,  Jens Ludwig, Roberto V. Penaloza,  Meredith Phillips,  Dan T. Rosenbaum,  Jacob L. Vigdor, Tina Wildhagen, Barbara L. Wolfe.

An Institute for Research on Poverty Affiliated Book on Poverty and Public Policy

 

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