The Working Poor Hola HP

The title Working Poor is an example of...**select all that apply**

a. irony

b. oxymoron

c. allusion

d. satire

When is the tax time in poor neighborhoods?

a. January

b. April

c. July

d. September

What is true about the Earned Income Tax Credit?

I. an anti-poverty program

II. prevents tax fraud

III. only earned if you file taxes on your income

IV. 10 to 15% of those eligible don't file for it

I, III, and IV

What does "under the table" mean in the context of Shipler's argument?

Wendley Waxer -- people work under the table jobs

a. receiving payment off record and without the governments knowledge

b. the way that companies take advantage of poverty-stricken people when filing taxes

c. the fine print in contracts that low-wage workers often fall victim to

d. corrupt programs that trick low-wage workers into donating their money

How do people in poverty fall victim to the Earned Income Tax Credit?

- under the table employees (don't qualify)

- employers that don't tell workers about credit

- tax preparers will take advantage by charging high fees

How do high-interest loans hurt the poor?

Ch. 1 - Ann Brash

- The more debt you have, the less loans you get

- they are charged the high-interest loans

--> people are stuck

Who preys on the poor when it comes to loans? select all that apply

a. loan sharks

b. con artists

c. workplace scams

d. tax preparation companies

all of them

who is the biggest victim of poverty?

a. teens

b. college students

c. immigrants

d. elderly

which of the following is a term used to describe the practice of keeping finance wages secret from the government?

a. high interest loans

b. financial hole

c. American myth

d. under the table ***

Poverty is described as

a. subsequent

b. cyclical: cycle of poverty continues

c. capitalistic

d. exorbitant

Wendy Waxler

a. did not trust banks

b. believed banks withheld your money (kept it in her closet)

c. paid under the table

Ann Brash

a. took over a lease on a jeep with unfavorable terms

b. lease payment was low but there was balloon payment at the end -- $17,000

c. if she didn't keep the car, she would have to pay $2,500 for going over the mileage on the lease terms

d. had to take out a high-interest loan (beacuse she had a bad credit) for the car b/c she already had $30,000 in debt, making the payments much higher than the car was even worth

-- put her in debt

Lisa Brooks

a. worked a low-wage job putting her well below the poverty line

b. had 4 children

c. lived in an apartment with terrible conditions that caused all her kids to get sick

d. the medical bills as a result caused her to go into debt

e. had to take out a high-interest loan when she need a new (used) car

Explain the paradox of poverty and loans

persistently high levels of individual economic hardship amid ever-increasing levels of societal wealth

- the more help they get, the more debt and interest they get

***15. What is the attitude of those who have gotten out of poverty and those who are still in it?

b. Explain why this doesn't work

- They are the harshest critics of those in poverty

- They don't understand why everyone can't just get out of poverty

b. people in poverty aren't not in poverty just because they don't want to work -- Shipler breaks this stereotype

17. Why does the author refer to the American Dream as the Americon Myth?

a. The Dream is not reality and not attainable for everybody.

b. They are synonymous and con be used interchangeably.

c. It is a dream to the poor because it inspires hope and a myth to the wealthy because they have already found success.

d. He knows the connotation of the word myth is meant to inspire hope, so he uses that term instead to inspire people of the poor class.

What is the Personal Responsibility and Work Opportunity Act of 1996?

- a law that limited money to welfare recipients

- created time-limits for welfare recipient

***Which of the following was NOT a direct result of the Personal Responsibility and Work Opportunity Act of 1996?

a. Welfare programs became a state responsibility rather than a federal one.

b. Jobs created as a result of the Act paid low wages, offered no benefits, and locked vertical promotion.

c. Minimum wage and basic medical benefits were left to the discretion of

employers.

d. People who took the jobs as a result of this progrom lost other support, such as food stamps and heolth insuronce.

Christie

a. worked as a childcare worker

b. formerly incarcerated

c. struggled to pay bills because of the way her pay checks were distributed (more bills at the beginning of the money and her paychecks could supply all of it)

d. dropped out of college

Debra Hall

a. lived in the downstairs of a house belonging to her mother

b. black female

c. ***had to perform work that she was not trained to do

d. lacked confidence in her ability to move up in pay and position

e. impacted by the PRWO Act because it prevented her from receiving the welfare she was used to receiving for 21 years

made a career under the table and through welfare assistance -- after the act she had no training

Why does the author include the anecdotes of these three women?

a. to posit that women are more likely to experience poverty than men

b. to affirm that those without college education are more likely to live in poverty

c. to suggest that history of domestic violence is a prime indicator of future poverty

d. to indicate that no matter a person's background, working hard is not enough to evade poverty

What are job opportunities for people with prison records?

employers believe in stereotypes about people who have been to prison -- avoid hiring them

Which of the following is NOT a fear that the poor face when applying for jobs?

a. rejection

b. past coming back to haunt them

c. inability to do the job they are applying for

d. working conditions

What is the name for the ability to relote to and communicate with others?

a. soft skills: handle yourself professionally

b. hard skills: can you use photoshop, do you know how to use Excel?

c. work ethic

d. analytical intelligence

***employers don't want to take the time explaining/showing workers these soft and hard skills

According to Shipler, many employers tend to harbor prejudices and stereotypes toward...select all that apply

a. minorities

b. women

c. welfare recipients

d. college students

According to Shipler, which of the following contributes to problems in the labor workforce?

I. family dysfunction

IL. culture shock of entering the workforce

Ill. survival instincts from the street

IV. lack of training

^ other reasons that keep people in poverty

I, I, III, and IV

What did Kora's father, mother, and two husbands suffer from?

a. cancer

b. Multiple Sclerosis

c. alcoholism

d. depression

What did Kora want to make sure that she prioritized with her own family?

a. education

b. financial stability

c. physical health

d. love

** at a restaurant strangers would come up saying they admired their families love

Which of the following happens to Kara and Tom, which causes them to lose their meager incomes and savings? Select all that apply

a. Kara is diagnosed with lymphoma --> can't keep a job & she is sick

b. Tom breaks his back in a car accident --> he couldn't work

c. Tom didn't qualify for Social Security Assistance

d. Kara and Tom lost their house in an electrical fire

Which of the following does Shipler NOT believe kinship does.

a. Kinship can lead to poverty as family members can feel obligated to lend money to those who aren't responsible with it.

b. Kinship can blunt the edge of poverty.

c. The absence of kinship can facilitate financial collapse.

d. The presence of kinship con slow the decline into financial ruin.

Who does Shipler say the label the "deserving poor" applies to?

I. Welfare queens

lIl. people who work hard and still find themselves in poverty

Ill. people who take advantage of the system rather than working hard themselves

II only

What did Tom struggle with after Kara's death?

a. depression

b. alcoholism

c. joblessness

d. all of the above

all of the above

According to Shipler, why did Ann Brash choose poverty?

- She didn't qualify for loans, didn't have a job

- She chooses poverty to have a relationship with her kids while also helping them instead of working multiple jobs

* Kids ended up successful

What is often considered the most debilitating characteristic of poverty?

a. malnutrition

b. lack of access to health care a

c. anxiety

d. hopelessness

What did Ann want to keep her focus on?

a. her children's long-term goals

b. getting out of poverty

c. finding a job that would allow her to make a decent living and still be home for her kids

d. keeping custody of her kids

According to Shipler, what is the easiest way for families living in poverty to save money? What problems does this lead to?

eat cheap (unhealthy food)

it leads to malnourished children and having medical problems (diabetes)

Which of the following is true about WIC? *Select all that apply*

a. It is the federal government's Special Supplemental Nutrition Program for Women, Infants, and Children

b. another name for food stamps

c. men can not apply for WIC <-- men can if they ave caretakers of children

d. can be used on any food item

a. and b.

a. It is the federal government's Special Supplemental Nutrition Program for Women, Infants, and Children

b. another name for food stamps

What is Grow Clinic?

a. nonprofit organization that teaches people how to grow their own healthy food

b. a clinic to help younger children with failure to thrive

c. a government entity that punishes parents for not feeding their children healthy foods

d. a national food bank that provides weekly meals to impoverished families

<-- infant, babies, toddler

b. a clinic to help younger children with failure to thrive

What is the Welfore reform family cap?

Bars welfare payments for any child born while the mother receives welfare

limits, prevent cycle of generation of wellfare

What is failure to thrive?

a. a term for a person's inability to escape poverty

b. a term applied to children who do not grow or develop at a normal rate (malnourished)

c. a term to describe people who stay on the welfare system for extended periods of time

d. a term used to describe children's inability to succeed in school because of 18 learning difficulties

b. a term applied to children who do not grow or develop at a normal rate (malnourished)

Why are legal immigrants reluctant to accept food stomps, Medicaid, or other assistance?

They are afraid they'll be deemed "public charges" and viewed as a financial burden to the government, causing them to lose their residence or citizenship.

True/False: Class, culture, and language place barriers between patients and doctors, leading to people of color or immigrants receiving less proper core.

True

Explain the cycle of mutual resentment.

- teacher resent student because of students education gaps & their behavior- student fee unappreciated and feels like the teacher don't believe in him or dont want to actually teach them

Miss V

a. young, white teacher

b. experienced verbal and physical abuse from parents

c. threatened by parents who believed she didn't understand their culture

d. blamed for being too lax in discipline