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Redlining
In the United States, redlining is a discriminatory practice in which services ( financial and otherwise) are withheld from potential customers who reside in neighborhoods classified as "hazardous" to investment; these neighborhoods have significant numbers of racial and ethnic minorities, and low-income residents. While the most well-known examples involve denial of credit and insurance, also sometimes attributed to redlining in many instances are: denial of healthcare and the development of food deserts in minority neighborhoods. In the case of retail businesses like supermarkets, the purposeful construction of stores impractically far away from targeted residents results in a redlining effect. Reverse redlining occurred when a lender or insurer targeted majority-minority neighborhood residents with inflated interest rates by taking advantage of the lack of lending competition relative to non-redlined neighborhoods. The effect also emerged when service providers artifi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Insurance
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Blockbusting
Blockbusting was a business practice in the United States in which real estate agents and building developers convinced white residents in a particular area to sell their property at below-market prices. This was achieved by fearmongering the homeowners, telling them that racial minorities would soon be moving into their neighborhoods. The blockbusters would then sell those same houses at inflated prices to black families seeking upward mobility. Blockbusting became prominent after post-World War II bans on explicitly segregationist real estate practices. By the 1980s it had mostly disappeared in the United States after changes to the law and real estate market. Background From 1900–1970, around 6 million African Americans from the rural Southern United States moved to industrial and urban cities in the Northern and Western United States during the Great Migration in effort to avoid the Jim Crow laws, violence, bigotry, and limited opportunities of the South. Resettlement t ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Discrimination
Discrimination is the act of making unjustified distinctions between people based on the groups, classes, or other categories to which they belong or are perceived to belong. People may be discriminated on the basis of Racial discrimination, race, Sexism, gender, Ageism, age, religious discrimination, religion, ableism, disability, or Sexual orientation discrimination, sexual orientation, as well as other categories. Discrimination especially occurs when individuals or groups are unfairly treated in a way which is worse than other people are treated, on the basis of their actual or perceived membership in certain groups or social categories. It involves restricting members of one group from opportunities or privileges that are available to members of another group. Discriminatory traditions, policies, ideas, practices and laws exist in many countries and institutions in all parts of the world, including territories where discrimination is generally looked down upon. In some pla ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Bill Dedman
Bill Dedman (born 1960) is a Pulitzer Prize-winning American journalist, an investigative reporter for '' Newsday'', and co-author of the biography of reclusive heiress Huguette Clark, '' Empty Mansions: The Mysterious Life of Huguette Clark and the Spending of a Great American Fortune''. Often relying on public records as much as insider accounts, Dedman has reported and written influential investigative articles on racial discrimination by mortgage lenders and real estate agents, racial profiling by police, interrogation of detainees at the Guantanamo Bay detention camp, and efforts to understand and prevent school shootings. His work includes one of the early examinations, in 1990, of the cover-up by the Roman Catholic Church of allegations of sexual abuse by a priest. The Color of Money In 1989, Dedman received the Pulitzer Prize for Investigative Reporting for ''The Color of Money'', his series of articles in 1988 in Bill Kovach's ''The Atlanta Journal-Constitution'' ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
African Americans
African Americans (also referred to as Black Americans and Afro-Americans) are an ethnic group consisting of Americans with partial or total ancestry from sub-Saharan Africa. The term "African American" generally denotes descendants of enslaved Africans who are from the United States. While some Black immigrants or their children may also come to identify as African-American, the majority of first generation immigrants do not, preferring to identify with their nation of origin. African Americans constitute the second largest racial group in the U.S. after White Americans, as well as the third largest ethnic group after Hispanic and Latino Americans. Most African Americans are descendants of enslaved people within the boundaries of the present United States. On average, African Americans are of West/Central African with some European descent; some also have Native American and other ancestry. According to U.S. Census Bureau data, African immigrants generally do not se ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Home Owners' Loan Corporation Philadelphia Redlining Map
A home, or domicile, is a space used as a permanent or semi-permanent residence for one or many humans, and sometimes various companion animals. It is a fully or semi sheltered space and can have both interior and exterior aspects to it. Homes provide sheltered spaces, for instance rooms, where domestic activity can be performed such as sleeping, preparing food, eating and hygiene as well as providing spaces for work and leisure such as remote working, studying and playing. Physical forms of homes can be static such as a house or an apartment, mobile such as a houseboat, trailer or yurt or digital such as virtual space. The aspect of ‘home’ can be considered across scales; from the micro scale showcasing the most intimate spaces of the individual dwelling and direct surrounding area to the macro scale of the geographic area such as town, village, city, country or planet. The concept of ‘home’ has been researched and theorized across disciplines – topics rangi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Blacklisting
Blacklisting is the action of a group or authority compiling a blacklist (or black list) of people, countries or other entities to be avoided or distrusted as being deemed unacceptable to those making the list. If someone is on a blacklist, they are seen by a government or other organization as being one of a number of people who cannot be trusted or who is considered to have done something wrong. As a verb, blacklist can mean to put an individual or entity on such a list. Origins of the term The English dramatist Philip Massinger used the phrase "black list" in his 1639 tragedy ''The Unnatural Combat''. After the restoration of the English monarchy brought Charles II of England to the throne in 1660, a list of regicides named those to be punished for the execution of his father. The state papers of Charles II say "If any innocent soul be found in this black list, let him not be offended at me, but consider whether some mistaken principle or interest may not have misle ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
White People
White is a racialized classification of people and a skin color specifier, generally used for people of European origin, although the definition can vary depending on context, nationality, and point of view. Description of populations as "White" in reference to their skin color predates this notion and is occasionally found in Greco-Roman ethnography and other ancient or medieval sources, but these societies did not have any notion of a White or pan-European race. The term "White race" or "White people", defined by their light skin among other physical characteristics, entered the major European languages in the later seventeenth century, when the concept of a "unified White" achieve universal acceptance in Europe, in the context of racialized slavery and unequal social status in the European colonies. Scholarship on race distinguishes the modern concept from pre-modern descriptions, which focused on physical complexion rather than race. Prior to the modern era, no Europe ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Atlanta
Atlanta ( ) is the capital and most populous city of the U.S. state of Georgia. It is the seat of Fulton County, the most populous county in Georgia, but its territory falls in both Fulton and DeKalb counties. With a population of 498,715 living within the city limits, it is the eighth most populous city in the Southeast and 38th most populous city in the United States according to the 2020 U.S. census. It is the core of the much larger Atlanta metropolitan area, which is home to more than 6.1 million people, making it the eighth-largest metropolitan area in the United States. Situated among the foothills of the Appalachian Mountains at an elevation of just over above sea level, it features unique topography that includes rolling hills, lush greenery, and the most dense urban tree coverage of any major city in the United States. Atlanta was originally founded as the terminus of a major state-sponsored railroad, but it soon became the convergence point among several ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Pulitzer Prize
The Pulitzer Prize () is an award for achievements in newspaper, magazine, online journalism, literature, and musical composition within the United States. It was established in 1917 by provisions in the will of Joseph Pulitzer, who had made his fortune as a newspaper publisher, and is administered by Columbia University. Prizes are awarded annually in twenty-one categories. In twenty of the categories, each winner receives a certificate and a US$15,000 cash award (raised from $10,000 in 2017). The winner in the public service category is awarded a gold medal. Entry and prize consideration The Pulitzer Prize does not automatically consider all applicable works in the media, but only those that have specifically been entered. (There is a $75 entry fee, for each desired entry category.) Entries must fit in at least one of the specific prize categories, and cannot simply gain entrance for being literary or musical. Works can also be entered only in a maximum of two categories, ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Inner City
The term ''inner city'' has been used, especially in the United States, as a euphemism for majority-minority lower-income residential districts that often refer to rundown neighborhoods, in a downtown or city centre area. Sociologists sometimes turn the euphemism into a formal designation by applying the term ''inner city'' to such residential areas, rather than to more geographically central commercial districts. The word " downtown" is also used to describe the inner city or city centre – primarily in North America – by English-speakers to refer to a city's commercial, cultural and often the historical, political and geographic heart, and is often contiguous with its central business district. In British English, the term "city centre" is most often used, "''centre-ville''" in French, ''centro storico'' in Italian, ''Stadtzentrum'' in German or ''shìzhōngxīn'' (市中心) in Chinese. The two terms are used interchangeably in Canada. A few US cities, such as Phil ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Northwestern University Institute For Policy Research
The Institute for Policy Research (IPR) is an interdisciplinary public policy research center at Northwestern University. History The Institute for Policy Research was founded in September 1968, originally as the Center for Urban Affairs, with a $700,000 grant from the Ford Foundation. Raymond W. Mack, one of the Center's original co-founders, also became its first director, serving in this role until 1971. John McKnight was the Center's first associate director. When the Center was first founded, Payson S. Wild, the then-vice president of Northwestern, said, "Our Center for Urban Affairs can make a unique contribution if we have scholars committed to the application of scientific research in the realm of public policy." In 1983, the Center was renamed the Center for Urban Affairs and Policy Research. In 1996, Fay Lomax Cook became director of the Center. Shortly thereafter, she changed its name to the Institute for Policy Research. She stepped down from her role as director in Aug ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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