A wildly frustrating and timely book appropriate for most readers.




Using a couple of heroes and more than a few foils, journalist Rivlin (The Godfather of Silicon Valley: Ron Conway and the Fall of the Dot-coms, 2001, etc.) dives into the dog-eat-dog world of Poverty, Inc.

Amid the greatest financial crisis since the Great Depression, countless captains of the poverty industry continue to thrive on the measly paychecks of working-class citizens. Check cashers, payday lenders (who used to be called “loan sharks”) and pawnbrokers spread throughout the United States, cropping up in low-income neighborhoods like weeds. Allan Jones, Chairman and CEO of Check Into Cash, is one of those weeds. He is also a world-class finger-pointer. According to Jones, the 2008 global collapse is the fault of one man: Martin Eakes, “who, in the mid-1990s, convinced the Federal National Mortgage Association—Fannie Mae—to help his organization, the Center for Community Self-Help, create a first-of-its-kind secondary market to buy and sell subprime mortgages.” Eakes did make subprime loans as far back as 1984, but Self-Help drew a line at targeting uneducated people living on fixed incomes, payday’s so-called “perfect customers.” Payday lenders sprung up in 1996, when the Ohio legislature “voted to exempt small, short-term loans from the state’s 28 percent usury cap, thereby legalizing payday lending.” Once the banks started buying up payday and cash-advance businesses, they went to work in Washington with a bipartisan group of lobbyists. Even a former chief of staff for Clinton served on a board of “swat team” advisors for Household Finance Corp., one the most infamous and cavalier subprime lenders. Recent legislation has managed to temper the more extreme interest rates, but the weeds continue to sprout despite measures to stomp them out. One crude and ironic point driven home capably by Rivlin is the fact that as long as the working poor need money, payday lenders will be there “help.” As a now-bankrupt former millionaire put it, “You can make more money off the rich but it carries a much bigger risk…The thing about the poor people’s economy…is that basically it’s recession proof. You’re always going to have people who need $100 or $200 real quick.”

A wildly frustrating and timely book appropriate for most readers.

Pub Date: June 8, 2010

ISBN: 978-0-06-173321-5

Page Count: 368

Publisher: HarperCollins

Review Posted Online: June 2, 2010

Kirkus Reviews Issue: June 1, 2010

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Not an easy read but an essential one.

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Title notwithstanding, this latest from the National Book Award–winning author is no guidebook to getting woke.

In fact, the word “woke” appears nowhere within its pages. Rather, it is a combination memoir and extension of Atlantic columnist Kendi’s towering Stamped From the Beginning (2016) that leads readers through a taxonomy of racist thought to anti-racist action. Never wavering from the thesis introduced in his previous book, that “racism is a powerful collection of racist policies that lead to racial inequity and are substantiated by racist ideas,” the author posits a seemingly simple binary: “Antiracism is a powerful collection of antiracist policies that lead to racial equity and are substantiated by antiracist ideas.” The author, founding director of American University’s Antiracist Research and Policy Center, chronicles how he grew from a childhood steeped in black liberation Christianity to his doctoral studies, identifying and dispelling the layers of racist thought under which he had operated. “Internalized racism,” he writes, “is the real Black on Black Crime.” Kendi methodically examines racism through numerous lenses: power, biology, ethnicity, body, culture, and so forth, all the way to the intersectional constructs of gender racism and queer racism (the only section of the book that feels rushed). Each chapter examines one facet of racism, the authorial camera alternately zooming in on an episode from Kendi’s life that exemplifies it—e.g., as a teen, he wore light-colored contact lenses, wanting “to be Black but…not…to look Black”—and then panning to the history that informs it (the antebellum hierarchy that valued light skin over dark). The author then reframes those received ideas with inexorable logic: “Either racist policy or Black inferiority explains why White people are wealthier, healthier, and more powerful than Black people today.” If Kendi is justifiably hard on America, he’s just as hard on himself. When he began college, “anti-Black racist ideas covered my freshman eyes like my orange contacts.” This unsparing honesty helps readers, both white and people of color, navigate this difficult intellectual territory.

Not an easy read but an essential one.

Pub Date: Aug. 13, 2019

ISBN: 978-0-525-50928-8

Page Count: 320

Publisher: One World/Random House

Review Posted Online: April 28, 2019

Kirkus Reviews Issue: May 15, 2019

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A clear and candid contribution to an essential conversation.


Straight talk to blacks and whites about the realities of racism.

In her feisty debut book, Oluo, essayist, blogger, and editor at large at the Establishment magazine, writes from the perspective of a black, queer, middle-class, college-educated woman living in a “white supremacist country.” The daughter of a white single mother, brought up in largely white Seattle, she sees race as “one of the most defining forces” in her life. Throughout the book, Oluo responds to questions that she has often been asked, and others that she wishes were asked, about racism “in our workplace, our government, our homes, and ourselves.” “Is it really about race?” she is asked by whites who insist that class is a greater source of oppression. “Is police brutality really about race?” “What is cultural appropriation?” and “What is the model minority myth?” Her sharp, no-nonsense answers include talking points for both blacks and whites. She explains, for example, “when somebody asks you to ‘check your privilege’ they are asking you to pause and consider how the advantages you’ve had in life are contributing to your opinions and actions, and how the lack of disadvantages in certain areas is keeping you from fully understanding the struggles others are facing.” She unpacks the complicated term “intersectionality”: the idea that social justice must consider “a myriad of identities—our gender, class, race, sexuality, and so much more—that inform our experiences in life.” She asks whites to realize that when people of color talk about systemic racism, “they are opening up all of that pain and fear and anger to you” and are asking that they be heard. After devoting most of the book to talking, Oluo finishes with a chapter on action and its urgency. Action includes pressing for reform in schools, unions, and local governments; boycotting businesses that exploit people of color; contributing money to social justice organizations; and, most of all, voting for candidates who make “diversity, inclusion and racial justice a priority.”

A clear and candid contribution to an essential conversation.

Pub Date: Jan. 16, 2018

ISBN: 978-1-58005-677-9

Page Count: 256

Publisher: Seal Press

Review Posted Online: Oct. 9, 2017

Kirkus Reviews Issue: Nov. 1, 2017

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