A SCHOLARLY BOOK REPOSITORY
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2 books about Seefeldt, Kristin S.
2 books about Seefeldt, Kristin S.
Abandoned Families
Social Isolation in the Twenty-First Century
Kristin S. Seefeldt
Russell Sage Foundation, 2016
Choosing whom to marry involves more than emotion, as racial politics, cultural mores, and local demographics all shape romantic choices. In Marriage Vows and Racial Choices, sociologist Jessica Vasquez-Tokos explores the decisions of Latinos who marry either within or outside of their racial and ethnic groups. Drawing from in-depth interviews with nearly 50 couples, she examines their marital choices and how these unions influence their identities as Americans.
Vasquez-Tokos finds that their experiences in childhood, adolescence, and young adulthood shape their perceptions of race, which in turn influence their romantic expectations. Most Latinos marry other Latinos, but those who intermarry tend to marry whites. She finds that some Latina women who had domineering fathers assumed that most Latino men shared this trait and gravitated toward white men who differed from their fathers. Other Latina respondents who married white men fused ideas of race and class and perceived whites as higher status and considered themselves to be “marrying up.” Latinos who married non-Latino minorities—African Americans, Asian Americans, and Native Americans—often sought out non-white partners because they shared similar experiences of racial marginalization. Latinos who married Latinos of a different national origin expressed a desire for shared cultural commonalities with their partners, but—like those who married whites—often associated their own national-origin groups with oppressive gender roles.
Vasquez-Tokos also investigates how racial and cultural identities are maintained or altered for the respondents’ children. Within Latino-white marriages, biculturalism—in contrast with Latinos adopting a white “American” identity—is likely to emerge. For instance, white women who married Latino men often embraced aspects of Latino culture and passed it along to their children. Yet, for these children, upholding Latino cultural ties depended on their proximity to other Latinos, particularly extended family members. Both location and family relationships shape how parents and children from interracial families understand themselves culturally.
As interracial marriages become more common, Marriage Vows and Racial Choices shows how race, gender, and class influence our marital choices and personal lives.
Vasquez-Tokos finds that their experiences in childhood, adolescence, and young adulthood shape their perceptions of race, which in turn influence their romantic expectations. Most Latinos marry other Latinos, but those who intermarry tend to marry whites. She finds that some Latina women who had domineering fathers assumed that most Latino men shared this trait and gravitated toward white men who differed from their fathers. Other Latina respondents who married white men fused ideas of race and class and perceived whites as higher status and considered themselves to be “marrying up.” Latinos who married non-Latino minorities—African Americans, Asian Americans, and Native Americans—often sought out non-white partners because they shared similar experiences of racial marginalization. Latinos who married Latinos of a different national origin expressed a desire for shared cultural commonalities with their partners, but—like those who married whites—often associated their own national-origin groups with oppressive gender roles.
Vasquez-Tokos also investigates how racial and cultural identities are maintained or altered for the respondents’ children. Within Latino-white marriages, biculturalism—in contrast with Latinos adopting a white “American” identity—is likely to emerge. For instance, white women who married Latino men often embraced aspects of Latino culture and passed it along to their children. Yet, for these children, upholding Latino cultural ties depended on their proximity to other Latinos, particularly extended family members. Both location and family relationships shape how parents and children from interracial families understand themselves culturally.
As interracial marriages become more common, Marriage Vows and Racial Choices shows how race, gender, and class influence our marital choices and personal lives.
[more]
Credit Where It's Due
Rethinking Financial Citizenship
Frederick F. Wherry
Russell Sage Foundation, 2019
An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect.
Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners.
To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners.
To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
[more]
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