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Redlining: The Main Cause Of Inequality
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Coates presents a series of statistical information that ultimately shares the idea that the lives of African American have not made as much progress as we would like to believe. Yes, the presences of white only signs are gone, black poverty rates have decreased, and black pregnancy rates are at a record low, but in certain aspects such as the income gap between blacks and white, its roughly the same as it was in 1970. Coates goes forth to explain the this is essentially due to that obviously fact that African Americans in the country have never had a gateway/path to wealth. Black families, regardless of the household income, are incredibly less wealthy than their white counterparts. Research done by The Pew Research Center discovered that white households are worth an estimated 20 times more than that of black households.
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The racial wealth divide is wealth and poverty created after World War II. When veterans returned home the FHA approved 98% (podcast, House Rule) of the mortgage to white people allowing them to buy lands, farms, properties, and houses. Helping building up the middle-class people by allowing them to get home ownership. They were approved for G.I. Bill to attend school and grants to start up small business. Meanwhile black veterans returned from war and was turned down for all the these benefits that left them remain in poverty.
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Your quote also resonates with contemporary issues of economic inequality, where wages and compensation for labor remain unjustly distributed across racial and class lines. The persistence of economic disparities highlights the ongoing legacy of slavery and discrimination in the United States. Similarly, sociologist Matthew Desmond found that “in 2019, the median white household had a net worth of $188,200, compared with $24,100 for the median Black household” (Nova). The stark economic disparities revealed by Matthew Desmond's findings demonstrate that America is failing to fulfill its vision for the country. Despite advancements in civil rights, the vast wealth gap between white and Black households perpetuates systemic inequality and limits upward mobility for Black individuals.
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By not providing loans to certain areas those areas continued to be impoverished. Without loans people were stuck in low income areas and could never claim a better stake in the American society. Escensilaly “redlining” kept people from obtaining the American dream that non-minority groups had the opportunity and means to obtain. The poverty of the area is not only is seen in the state of the housing, but also in the public facilities provided. In an article, in the Atlanta Backstar, Taylor Gordon states that “The lack of access to quality education in black neighborhoods is apart of a vicious cycle that leaves many people in the Black community struggling to fight off poverty”(Gordon, 1).
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This systemic economic domination leads to unjust enrichment of Whites and unjust impoverishment of Blacks. These two concepts are another core tenet of systemic racism, in that through racial oppression of African Americans, there are material gains and losses. Whites place themselves in a position of unjust enrichment by obtaining property, money or other benefits that belong to Blacks. On the flip-side, Blacks experience chronic unjust impoverishment, being denied access to resources or
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Since the end of the Civil War, whites have economically oppressed blacks through “Government programs that gave white families a leg us…either exclud[ing] or shortchang[ing] African Americans” (Starkman 32). While conventional wisdom suggests that peoples’ wealth should be based on their income, Starkman suggests otherwise. Incomes fluctuate, while assets, which are a more net yield of wealth from even past generations, stay relatively stable. When comparing assets instead of income as wealth, there is a jarring disparity; whites have a $236,000 advantage over blacks, even when adjusted for income levels, and still growing. In essence, assets are the key to wealth in America, as the Shapiro study at the University of Michigan found.
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The term redlining, Reskin describes, explains how blacks are segregated into neighborhoods, aren’t as likely as whites to own a home, and how their home’s net worth is of far less value than whites. The first effect redlining has on blacks is
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Although it was outlawed, the practice is covertly practices and the effects remain. This is also where the first and third map overlap. When redlining was prominent, African American families and communities were frequently targeted by the financial institutions. I found that all three of the factors I included are heavily involved in concentrated disadvantage. Atlanta was found to have high rates of poverty, less high school graduates, and a high concentration of black people in the southern and inner city parts of Atlanta.
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For this week 's current events I an article read on the Huffington post that talks about the vast wealth gap between Black and White America. According to the post the gap got a bit smaller in the years leading upto the Great Recession but in the past 30 years has exploded as the black and Latino communities have been hit by foreclosures and job cuts. There 's a lot of reasons why there are enormous wealth gaps between minorities and whites in America. The most simple answer is, it takes money to make money. Part of the reason that there 's this enormous gap is because whites have long had higher wages and wealth to pass on from generation to generation.
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This social class categorizes the rich, the poor and the “one percent “on a wide spectrum. In the United States, the blacks and whites are at both ends of the distributed wealth throughout the country. Caucasians remain at the “rich, privileged” side of the spectrum while the blacks remain at the “poor, unprivileged” end. In between both groups lies the latinos, which seem to fall closer to African American side of the spectrum. It is believed that this wealth gap had been formed due to the saying “it takes money to make money” (Conley).
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After over two centuries of battling to understand its declared standards of general fairness, the United States still faces proceeding racial, gender orientation, and class difference. Inequality remains a source of extraordinary suffering and hostility over its causes and profound conflict over what can also, ought to be done to change it. In a general public that announces flexibility, independence, and unlimited portability, the determination of wild disparity along lines of race and gender is by all accounts an inconsistency. The period from Reconstruction through the Progressive Era, approximately 1870–1930, was one of extensive established in implications of citizenship, work, race, gender, and class relations owing to the withdrawal
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Nowadays, it seems as if everyone wants to become rich. However, the large sum of money that is needed in order to be qualified as wealthy All throughout history different races and ethnicities have been restrained, in America this is especially true. Different scenarios in America’s past have had a lasting effect on the average wealth of different races because inheritance can add wealth to a family or individual. African Americans were once enslaved and denied their own civil rights, and in today’s world they face discrimination. These factors have affected the amount of money they will have on average because discrimination and racial stereotypes can prevent them from getting jobs and others may not see their full potential.
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Dalton Conley argues for the use of net wealth over net income as a measure of class because at similar levels of wealth, stereotypical racial outcomes nearly vanish (GIB 1). As a result of the undue priority on income over wealth, many community betterment programs for blacks and nonwhites only focus on job creation, which does nothing to address asset-accumulation obstacles (GIB 3-4). Darrick Hamilton and William Darity Jr. discuss the justifications for the black-white wealth gap as two narratives: “blacks are less frugal when it comes to savings” and “inferior management of assets owned by blacks has resulted in lower portfolio returns” both of which are disproven (RWI 10-11). Historically conscious wealth redistribution would attempt to make up for the “250 years of unrequited toil” (GIB 4) and all transgressions that followed. Progressive wealth taxes, “baby bonds”, and asset building programs would begin to close the widening gap in wealth.
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