The Great Risk Shift

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The Great Risk Shift

Author : Jacob S. Hacker
ISBN : 9780190844165
Genre : Political Science
File Size : 37.55 MB
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On the eve of the financial crisis, Jacob S. Hacker wrote "the policy book of the year" (E.J. Dionne, Jr., Washington Post), demonstrating and explaining the hidden story of growing economic insecurity. In this fully revised and updated second edition, he brings his powerful exposé of "The Great Risk Shift" up to date with startling new evidence and compelling new ideas. Hacker shows that the safety net was unraveling long before the late-2000s, as more and more economic risk shifted from the broad shoulders of government and business onto the fragile backs of American families. Whether the problem is risky jobs brought on by corporate restructuring and the "gig economy" of contingent work, risky families created by the rising costs and instabilities of parenthood, risky retirement caused by the collapse of traditional guaranteed pensions, or risky health care fueled by skyrocketing costs and unstable coverage-Hacker shows what has changed and why, the ways in which ordinary Americans have been affected, and how we can fight back. Behind the risk shift, he contends, is the "Personal Responsibility Crusade" eagerly embraced by corporate leaders and conservative politicians who speak of an economic nirvana in which Americans are free to choose. But the result, Hacker reveals, has been very different: a harsh new world of economic insecurity in which far too many Americans are allowed to fall behind. Blending powerful human stories, big-picture analysis, and compelling ideas for reform, this remarkable volume has become a rallying point in the struggle for economic security in an increasingly uncertain world.
Category: Political Science

The Great Risk Shift

Author : Jacob S. Hacker
ISBN : 0199726639
Genre : Political Science
File Size : 72.66 MB
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America's leaders say the economy is strong and getting stronger. But the safety net that once protected us is fast unraveling. With retirement plans in growing jeopardy while health coverage erodes, more and more economic risk is shifting from government and business onto the fragile shoulders of the American family. In The Great Risk Shift, Jacob S. Hacker lays bare this unsettling new economic climate, showing how it has come about, what it is doing to our families, and how we can fight back. Behind this shift, he contends, is the Personal Responsibility Crusade, eagerly embraced by corporate leaders and Republican politicians who speak of a nirvana of economic empowerment, an "ownership society" in which Americans are free to choose. But as Hacker reveals, the result has been quite different: a harsh new world of economic insecurity, in which far too many Americans are free to lose. The book documents how two great pillars of economic security--the family and the workplace--guarantee far less financial stability than they once did. The final leg of economic support--the public and private benefits that workers and families get when economic disaster strikes--has dangerously eroded as political leaders and corporations increasingly cut back protections of our health care, our income security, and our retirement pensions. Blending powerful human stories, big-picture analysis, and compelling ideas for reform, this remarkable volume will hit a nerve, serving as a rallying point in the vital struggle for economic security in an increasingly uncertain world.
Category: Political Science

Zombie Economics

Author : John Quiggin
ISBN : 9781400835980
Genre : Business & Economics
File Size : 30.34 MB
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In the graveyard of economic ideology, dead ideas still stalk the land. The recent financial crisis laid bare many of the assumptions behind market liberalism--the theory that market-based solutions are always best, regardless of the problem. For decades, their advocates dominated mainstream economics, and their influence created a system where an unthinking faith in markets led many to view speculative investments as fundamentally safe. The crisis seemed to have killed off these ideas, but they still live on in the minds of many--members of the public, commentators, politicians, economists, and even those charged with cleaning up the mess. In Zombie Economics, John Quiggin explains how these dead ideas still walk among us--and why we must find a way to kill them once and for all if we are to avoid an even bigger financial crisis in the future. Zombie Economics takes the reader through the origins, consequences, and implosion of a system of ideas whose time has come and gone. These beliefs--that deregulation had conquered the financial cycle, that markets were always the best judge of value, that policies designed to benefit the rich made everyone better off--brought us to the brink of disaster once before, and their persistent hold on many threatens to do so again. Because these ideas will never die unless there is an alternative, Zombie Economics also looks ahead at what could replace market liberalism, arguing that a simple return to traditional Keynesian economics and the politics of the welfare state will not be enough--either to kill dead ideas, or prevent future crises.
Category: Business & Economics

Old Assumptions New Realities

Author : Steven Rathgeb Smith
ISBN : 9781610447218
Genre : Business & Economics
File Size : 44.67 MB
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The way Americans live and work has changed significantly since the creation of the Social Security Administration in 1935, but U.S. social welfare policy has failed to keep up with these changes. The model of the male breadwinner-led nuclear family has given way to diverse and often complex family structures, more women in the workplace, and nontraditional job arrangements. Old Assumptions, New Realities identifies the tensions between twentieth-century social policy and twenty-first-century realities for working Americans and offers promising new reforms for ensuring social and economic security. Old Assumptions, New Realities focuses on policy solutions for today’s workers—particularly low-skilled workers and low-income families. Contributor Jacob Hacker makes strong and timely arguments for universal health insurance and universal 401(k) retirement accounts. Michael Stoll argues that job training and workforce development programs can mitigate the effects of declining wages caused by deindustrialization, technological changes, racial discrimination, and other forms of job displacement. Michael Sherraden maintains that wealth-building accounts for children—similar to state college savings plans—and universal and progressive savings accounts for workers can be invaluable strategies for all workers, including the poorest. Jody Heymann and Alison Earle underscore the potential for more extensive work-family policies to help the United States remain competitive in a globalized economy. Finally, Jodi Sandfort suggests that the United States can restructure the existing safety net via state-level reforms but only with a host of coordinated efforts, including better information to service providers, budget analyses, new funding sources, and oversight by intermediary service professionals. Old Assumptions, New Realities picks up where current policies leave off by examining what’s not working, why, and how the safety net can be redesigned to work better. The book brings much-needed clarity to the process of creating viable policy solutions that benefit all working Americans. A West Coast Poverty Center Volume
Category: Business & Economics

Managing Social Change And Social Policy In Greater China

Author : Ka-Ho Mok
ISBN : 9781134575145
Genre : Political Science
File Size : 63.7 MB
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East Asia is at the heart of the global economic transformation, and the countries of the region are witnessing rapidly changing labour markets, alongside the pressure to cut production costs and lower taxes in order to become successful ‘competition states’. These changes have resulted in increased welfare demands which governments, organizations and agencies across the region have had to address. This book examines welfare regimes in the Greater China region, encompassing mainland China, Hong Kong, Macao and Taiwan. In so doing, it explores the ways in which the rapid growth and internationalisation of the economy across Greater China is presenting new social policy challenges that governments, social welfare organizations and agencies in the region are having to respond to. Rather than simply describing and categorising welfare systems, the contributors to this volume add to our understanding of how one of the major economic transformations of the contemporary era in East Asia is shaping welfare provision in the region. In turn, in this context of economic change, they examine the new strategies and measures that have been adopted in order to reduce the heavy burden on the state in terms of welfare provision, whilst also attempting to diversify funding and provision sources to meet the pressing welfare needs. Based upon extensive fieldwork by leading scholars of social policy, this book will appeal to students and scholars of Asian social policy, comparative development and social policy, social welfare and Chinese studies.
Category: Political Science

Risk A Very Short Introduction

Author : Baruch Fischhoff
ISBN : 9780191620249
Genre : Business & Economics
File Size : 64.16 MB
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We find risks everywhere—from genetically modified crops, medical malpractice, and stem-cell therapy to intimacy, online predators, identity theft, inflation, and robbery. They arise from our own acts and they are imposed on us. In this Very Short Introduction, Baruch Fischhoff and John Kadvany draw on the sciences and humanities to explore and explain the many kinds of risk. Using simple conceptual frameworks from decision theory and behavioural research, they examine the science and practice of creating measures of risk, showing how scientists address risks by combining historical records, scientific theories, probability, and expert judgment.Risk: A Very Short Introduction describes what has been learned by cognitive scientists about how people deal with risks, applying these lessons to diverse examples, and demonstrating how understanding risk can aid choices in everyday life and public policies for health, safety, environment, finance, and many other topics. ABOUT THE SERIES: The Very Short Introductions series from Oxford University Press contains hundreds of titles in almost every subject area. These pocket-sized books are the perfect way to get ahead in a new subject quickly. Our expert authors combine facts, analysis, perspective, new ideas, and enthusiasm to make interesting and challenging topics highly readable.
Category: Business & Economics

Health At Risk

Author : Jacob Hacker
ISBN : 9780231518611
Genre : Medical
File Size : 22.44 MB
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In this volume, the nation's leading advisors on health policy and financing appraise America's ailing healthcare system and suggest reasonable approaches to its rehabilitation. Each chapter confronts a major challenge to the country's health security, from runaway costs and uneven quality of care to declining levels of insurance coverage, medical bankruptcy, and the growing enthusiasm for health plans that put patients in charge of risk and cost. Bringing the latest research to bear on these issues, contributors diagnose the problems of our present system and offer treatments grounded in extensive experience. Free of bias and rhetoric, Health at Risk is an invaluable tool for those who are concerned with the current state of healthcare and are eager to effect change.
Category: Medical

Risk Welfare And Work

Author :
ISBN : 0522860087
Genre : Political Science
File Size : 31.2 MB
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In recent decades, people's experience of welfare has undergone a dramatic transformation, with the responsibility for managing risk increasingly being shifted from state institutions to non-governmental agents, individuals and agencies. Some commentators see this shift as heralding a fundamental transformation of society, while others have pointed to the resilience of the welfare state. In the transformation of the welfare state, moral and ethical questions about collective responsibility for social and economic risks abound. In Risk, Welfare and Work, editors Greg Marston, Jeremy Moss and John Quiggin bring together contributors from diverse disciplines to explore these questions and examine shifting risk in historical and contemporary Australia—including implications for groups such as young people and Aboriginal Australians—and views of Britain and the United States.
Category: Political Science

Shared Responsibility Shared Risk

Author : Jacob Hacker
ISBN : 9780199781911
Genre : Business & Economics
File Size : 26.83 MB
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How can the American social welfare system be repaired so that workers and families receive adequate protection and, if necessary, provision from the ravages of the market? This book addresses this fundamental problem and analyses how the 'privatization of risk' has increased hardships for American families and increased inequality. It also proposes a series of solutions that would distribute the burdens of risks more broadly and expand the social safety net.
Category: Business & Economics

Cleaning Up

Author : Dan Zuberi
ISBN : 9780801469817
Genre : Medical
File Size : 90.36 MB
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To cut costs and maximize profits, hospitals in the United States and many other countries are outsourcing such tasks as cleaning and food preparation to private contractors. In Cleaning Up, the first book to examine this transformation in the healthcare industry, Dan Zuberi looks at the consequences of outsourcing from two perspectives: its impact on patient safety and its role in increasing socioeconomic inequality. Drawing on years of field research in Vancouver, Canada as well as data from hospitals in the U.S. and Europe, he argues that outsourcing has been disastrous for the cleanliness of hospitals—leading to an increased risk of hospital-acquired infections, a leading cause of severe illness and death—as well as for the effective delivery of other hospital services and the workers themselves. Zuberi’s interviews with the low-wage workers who keep hospitals running uncover claims of exposure to near-constant risk of injury and illness. Many report serious concerns about the quality of the work due to understaffing, high turnover, poor training and experience, inadequate cleaning supplies, and on-the-job injuries. Zuberi also presents policy recommendations for improving patient safety by reducing the risk of hospital-acquired infection and ameliorating the work conditions and quality of life of hospital support workers. He makes the case that hospital outsourcing exemplifies the trend towards "low-road" service-sector jobs that threatens to undermine society’s social health, as well as the physical health and well-being of patients in health care settings globally.
Category: Medical

The Insecure American

Author : Hugh Gusterson
ISBN : 9780520945081
Genre : Social Science
File Size : 64.31 MB
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Americans are feeling insecure. They are retreating to gated communities in record numbers, fearing for their jobs and their 401(k)s, nervous about their health insurance and their debt levels, worrying about terrorist attacks and immigrants. In this innovative volume, editors Hugh Gusterson and Catherine Besteman gather essays from nineteen leading ethnographers to create a unique portrait of an anxious country and to furnish valuable insights into the nation's possible future. With an incisive foreword by Barbara Ehrenreich, the contributors draw on their deep knowledge of different facets of American life to map the impact of the new economy, the "war on terror," the "war on drugs," racial resentments, a fraying safety net, undocumented immigration, a health care system in crisis, and much more. In laying out a range of views on the forces that unsettle us, The Insecure American demonstrates the singular power of an anthropological perspective for grasping the impact of corporate profit on democratic life, charting the links between policy and vulnerability, and envisioning alternatives to life as an insecure American.
Category: Social Science

Labor Rising

Author : Richard Greenwald
ISBN : 9781595587985
Genre : Business & Economics
File Size : 37.44 MB
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When Wisconsin governor Scott Walker threatened the collective bargaining rights of the state’s public sector employees in early 2011, the massive protests that erupted inresponse put the labor movement back on the nation’s front pages. It was a fleeting reminder of a not-so-distant past when the “labor question”—and the power of organized labor—was part and parcel of a century-long struggle for justice and equality in America. Now, on the heels of the expansive Occupy Wall Street movement and midterm election outcomes that are encouraging for the labor movement, the lessons of history are a vital handhold for the thousands of activists and citizens everywhere who sense that something has gone terribly wrong. This pithy and accessible volume provides readers with an understanding of the history that is directly relevant to the economic and political crises working people face today, and points the way to a revitalized twenty-first-century labor movement. With original contributions from leading labor historians, social critics, and activists, Labor Rising makes crucial connections between the past and present, and then looks forward, asking how we might imagine a different future for all Americans.
Category: Business & Economics

Bad Money

Author : Kevin Phillips
ISBN : 9781101046326
Genre : Business & Economics
File Size : 39.4 MB
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In his acclaimed book American Theocracy, Kevin Phillips warned of the perilous interaction of debt, financial recklessness, and the spiking cost (and growing scarcity) of oil- warnings that are proving to be frighteningly accurate. Now, in his most significant and timely book yet, Phillips takes the full measure of this crisis. They are a part of what he calls "bad money"- not just the depreciated dollar, but also the dangerous attitudes and the flawed products of wayward mega-finance. His devastating conclusion: In its hubris, the financial sector has hijacked the American economy and put our very global future at risk-and it may be too late to stop it.
Category: Business & Economics

Twenty First Century Motherhood

Author : Andrea O'Reilly
ISBN : 9780231520478
Genre : Social Science
File Size : 62.32 MB
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A pioneer of modern motherhood studies, Andrea O'Reilly explores motherhood's current representation and practice, considering developments that were unimaginable decades ago: the Internet, interracial surrogacy, raising transchildren, male mothering, intensive mothering, queer parenting, the applications of new biotechnologies, and mothering in the post-9/11 era. Her work pulls together a range of disciplines and themes in motherhood studies. She confronts the effects of globalization, HIV/AIDS, welfare reform, politicians as mothers, third wave feminism, and the evolving motherhood movement, and she incorporates Chicana, African-American, Canadian, Muslim, queer, low-income, trans, and lesbian perspectives.
Category: Social Science

Disaster And The Politics Of Intervention

Author : Andrew Lakoff
ISBN : 9780231519250
Genre : Political Science
File Size : 25.22 MB
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Government plays a critical role in mitigating individual and collective vulnerability to disaster. Through measures such as disaster relief, infrastructure development, and environmental regulation, public policy is central to making societies more resilient. However, the recent drive to replace public institutions with market mechanisms has challenged governmental efforts to manage collective risk. The contributors to this volume analyze the respective roles of the public and private sectors in the management of catastrophic risk, addressing questions such as: How should homeland security officials evaluate the risk posed by terrorist attacks and natural disasters? Are market-based interventions likely to mitigate our vulnerability to the effects of climate change? What is the appropriate relationship between non-governmental organizations and private security firms in responding to humanitarian emergencies? And how can philanthropic efforts to combat the AIDS crisis ensure ongoing access to life-saving drugs in the developing world? More generally, these essays point to the way thoughtful policy intervention can improve our capacity to withstand catastrophic events. Additional Columbia / SSRC books on the Privatization of Risk and its Implications for Americans Bailouts: Public Money, Private ProfitEdited by Robert E. Wright Health at Risk: America's Ailing Health System-and How to Heal ItEdited by Jacob S. Hacker Laid Off, Laid Low: Political and Economic Consequences of Employment InsecurityEdited by Katherine S. Newman Pensions, Social Security, and the Privatization of RiskEdited by Mitchell A. Orenstein
Category: Political Science

Falling Short

Author : Charles D. Ellis
ISBN : 9780190218911
Genre : Business & Economics
File Size : 33.2 MB
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The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security. Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.
Category: Business & Economics

Financing For Overcoming Economic Insecurity

Author : Rob Vos
ISBN : 9781849665797
Genre : Political Science
File Size : 34.56 MB
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The world is witnessing the paradox of simultaneous increase in income and insecurity. According to available data, global average per capita income has increased in recent decades, while at the same time actual and perceived insecurity has also increased. This paradox is true for both developed and developing countries. However, the concrete form and causes of insecurity differs across these two groups of countries. To the extent that income levels in many developing countries are very low, economic insecurity in these countries takes a starker and chronic form. In Financing for Overcoming Economic Insecurity, leading experts examine the causes and consequences of rising economic insecurity and policy measures that can be adopted to overcome insecurity. The volume contains papers addressing issues of economic insecurity pertaining to both developed and developing countries and caused by both economic factors and natural hazards. It also discusses the issues at both macro and micro levels. The volume's focus on policy measures, such as redistribution and reinvestment of profit income in developed countries and imposition of capital control and promotion of micro insurance in developing countries, should be of much help to policymakers as well as researchers.
Category: Political Science

Homeownership Built To Last

Author : Eric S. Belsky
ISBN : 9780815725657
Genre : Political Science
File Size : 23.22 MB
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The ups and downs in housing markets over the past two decades are without precedent, and the costs—financial, psychological, and social—have been enormous. Yet Americans overwhelmingly still aspire to homeownership, and many still view access to homeownership as an important ingredient for building wealth among historically disadvantaged groups. This timely volume reexamines the goals, risks, and rewards of homeownership in the wake of the housing bubble and subprime lending crisis. Housing, real estate, and finance experts explore the role of government in supporting homeownership, deliberate how homeownership can be made more sustainable, and discuss how best to balance affordability, access, and risk, particularly for minorities and low income families. Contributors: Eric S. Belsky (JCHS); Raphael W. Bostic (University of Southern California); Mark Calabria (Cato Institute); Kaloma Cardwell (University of California, Berkeley); Mark Cole (Hope LoanPort); J. Michael Collins (University of Wisconsin– Madison); Marsha J. Courchane (Charles River Associates); Andrew Davidson (Andrew Davidson and Co.); Christopher E. Herbert (JCHS); Leonard C. Kiefer (Freddie Mac); Alex Levin (Andrew Davidson and Co.); Adam J. Levitin (Georgetown University Law Center); Mark R. Lindblad (University of North Carolina at Chapel Hill); Jeffrey Lubell (Abt Associates); Patricia A. McCoy (University of Connecticut School of Law); Daniel T. McCue (JCHS); Jennifer H. Molinsky (JCHS); Stephanie Moulton (Ohio State University); john a. powell (University of California–Berkeley); Roberto G. Quercia (University of North Carolina at Chapel Hill); Janneke H. Ratcliffe (University of North Carolina); Carolina Reid (University of California–Berkeley); William M. Rohe (University of North Carolina at Chapel Hill); Rocio Sanchez-Moyano (JCHS); Susan Wachter (University of Pennsylvania); Peter M. Zorn (Freddie Mac)
Category: Political Science

Summary Winner Take All Politics

Author : BusinessNews Publishing
ISBN : 9782511002988
Genre : Business & Economics
File Size : 23.94 MB
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The must-read summary of Jacob S. Hacker and Paul Pierson's book: "Winner-Take-All Politics: How Washington Made the Rich Richer - and Turned Its Back on the Middle Class". This complete summary of "Winner-Take-All Politics" by Jacob S. Hacker and Paul Pierson, two renowned political scholars, presents their argument that American politics are to blame for the growing inequality between Americans. In their book, the authors expose several unexpected causes of this inequality and who is to blame. By reading their research, you can discover what is really happening in society and what needs to be done to find a solution. Added-value of this summary: • Save time • Understand income inequality in the US and its implications • Expand your knowledge of American politics and economics To learn more, read "Winner-Take-All Politics" and discover how inequality contributed to this economic crisis and what now needs to be done for a better future.
Category: Business & Economics