Test Bank Chapter 10 Inequality In Housing And Wealth

Chapter 10: Inequality in Housing and Wealth

Test Bank

Type: multiple choice question

Title: Chapter 10 Question 01

1) Black and Latino families in the United States own just ____ of wealth White families own.

a. 9%

b. 15%

c. 21%

d. none of the above

Type: multiple choice question

Title: Chapter 10 Question 02

2) In 1865, in less than a year, 40,000 former slaves had settled on (approximately) ________ acres of land?

a. 200,000 (5 acres each)

b. 400,000 (10 acres each)

c. 800,000 (20 acres each)

d. 1,600,000 (40 acres each)

Type: multiple choice question

Title: Chapter 10 Question 03

3) When the Freeman’s Bank failed, the 60,000 Black people who had deposited more than $1 million into this bank lost most of their savings. What would that $1 million be worth today?

a. over $100 million

b. over $80 million

c. over $40 million

d. over $20 million

Type: multiple choice question

Title: Chapter 10 Question 04

4) The separation of different groups of people into distinct neighborhoods is called:

a. redlining.

b. racially restrictive codes.

c. residential segregation.

d. Jim Crow segregation.

Type: multiple choice question

Title: Chapter 10 Question 05

5) The first force that led to residential segregation is:

a. White flight to the suburbs.

b. collective racial violence carried out by Whites.

c. state housing programs.

d. educational segregation.

Type: multiple choice question

Title: Chapter 10 Question 06

6) The second force that led to residential segregation is:

a. practices local courts said where legal.

b. racists real estate agents hired by racist people.

c. practices created and reinforced by the real estate industry.

d. raising prices so that Black families could not afford to buy a home.

Type: multiple choice question

Title: Chapter 10 Question 07

7) The third force that led to residential segregation is:

a. state housing programs and policies.

b. southern housing programs and policies

c. republican housing programs and policies.

d. federal housing programs and policies.

Type: multiple choice question

Title: Chapter 10 Question 08

8) A practice by which real estate agents show homes in White neighborhoods only to Whites and homes in Black neighborhoods only to Blacks is called:

a. steering.

b. navigating.

c. ushering.

d. redirecting.

Type: multiple choice question

Title: Chapter 10 Question 09

9) White women were able to benefit from homeownership because of racial ______ in marriages.

a. consistency

b. equivalency

c. congruency

d. endogamy

Type: multiple choice question

Title: Chapter 10 Question 10

10) What year did the Supreme Court rule that racially restrictive covenants were unconstitutional?

a. 1930

b. 1948

c. 1954

d. 1965

Type: multiple choice question

Title: Chapter 10 Question 11

11) Trymaine Lee, an award-winning journalist, wrote about a Black man who leased a plantation, owned a general store, gas station, a catering business, farmer (cotton, corn, sugar cane), and owned a small fleet of trucks that made deliveries. He also employed 40 people. In 1947, he was murdered by a group of White men saying, “He was too successful to be a Negro.” What was his name?

a. Emmanuel Burrell

b. Elijah Baron

c. Edward Boulé

d. Elmore Bolling

Type: multiple choice question

Title: Chapter 10 Question 12

12) A study by the Federal Reserve Bank of Boston revealed that even when credit scores were taken into account, Black and Latino mortgage applicants were still ______ more likely to be turned down than Whites.

a. 40%

b. 50%

c. 60%

d. 70%

Type: multiple choice question

Title: Chapter 10 Question 13

13) What are high-interest loans to people at high risk of defaulting called?

a. subprime loans

b. predatory loans

c. subpar loans

d. subversive loans

Type: multiple choice question

Title: Chapter 10 Question 14

14) “A measure that describes the extent to which two groups—such as Blacks and Whites—are found in equal proportions in all neighborhoods” is the definition of the:

a. disassociation index.

b. disunity index.

c. dissimilarity index.

d. divisive index.

Type: multiple choice question

Title: Chapter 10 Question 15

15) An _________ index is a measure that compares a neighborhood’s demographics against citywide demographics.

a. aggregation

b. isolation

c. environmental

d. insulation

Type: multiple choice question

Title: Chapter 10 Question 16

16) In 2000, how many Native Americans lived in rural areas?

a. 800,000

b. 980,000

c. 1.4 million

d. 2.1 million

Type: multiple choice question

Title: Chapter 10 Question 17

17) What are instances of notably high levels of segregation called?

a. hypersegregation

b. hyposegregation

c. hybersegregation

d. hyprasegregation

Type: multiple choice question

Title: Chapter 10 Question 18

18) In 2009, _______ of Black and Latino households had zero or negative wealth.

a. one-quarter (1/4)

b. one-third (1/3)

c. three-fourths (3/4)

d. one-sixteenth (1/16)

Type: multiple choice question

Title: Chapter 10 Question 19

19) In 2000, researcher Jay Zagorsky, found the average Native American born between 1957 and 1965, had only _________ in wealth compared to the _________ amassed by their White counterparts.

a. $3,400; $98,000

b. $4,900; $82,200

c. $5,700; $65,500

d. $6,200; $57,300

Type: multiple choice question

Title: Chapter 10 Question 20

20) In 2013, ______ of young Black households (aged 25-40) had student debt compared to 39% of young White households.

a. 47%

b. 54%

c. 63%

d. 78%

Type: essay/short answer question

Title: Chapter 10 Question 01

1) How successful were the land policies related to formerly enslaved African Americans?

Page reference: Land Ownership After Slavery

Type: essay/short answer question

Title: Chapter 10 Question 02

2) Between 1870 and 1970, what happened to the Black population in the South?

Page reference: Residential Segregation

Type: essay/short answer question

Title: Chapter 10 Question 03

3) How did government policies contribute to wealth inequality?

Page reference: The Creation of Residential Segregation

Type: essay/short answer question

Title: Chapter 10 Question 04

4) What does William A. Darity, Jr., a professor of public policy and African American studies at Duke University say about the origins of the racial wealth gap?

Page reference: The Creation of Residential Segregation

Type: essay/short answer question

Title: Chapter 10 Question 05

5) Between 1993 and 2000, what were the consequences of subprime mortgages in Black and Latino neighborhoods?

Page reference: Discriminatory and Predatory Lending Practices

Type: essay/short answer question

Title: Chapter 10 Question 06

6) What are the effects on children who live in segregated, high-poverty neighborhoods?

Page reference: Neighborhood Segregation Today

Type: essay/short answer question

Title: Chapter 10 Question 07

7) Do Black families want to live in diverse neighborhoods? What does the research say?

Page reference: Neighborhood Segregation Today

Type: essay/short answer question

Title: Chapter 10 Question 08

8) How do highly educated Black families fare with wealth compared to White households with a high school diploma or less?

Page reference: Research Focus: The Color of Wealth in the Nation’s Capital

Type: essay/short answer question

Title: Chapter 10 Question 09

9) When stock prices plummeted in 2007, Black and Latino families lost the largest share of their holdings. What kind of declines did they see?

Page reference: Wealth Inequality Beyond Homeownership

Type: essay/short answer question

Title: Chapter 10 Question 10

10) The wealth gap between Blacks and Whites tripled between 1984 and 2009. In 2013, researchers wanted to find out why. In a study of 1,700 households, they attributed the wealth gap to five factors. Please name two of them.

Page reference: Explaining the Wealth Gap in the Twenty-First Century

Type: essay/short answer question

Title: Chapter 10 Question 01

1) In the introduction to this chapter, a writer and activist, George Monbiot said, “If wealth was the inevitable result of hard work and enterprise, every woman in Africa would be a millionaire.” What did he mean by this?

Page reference: Introduction

Type: essay/short answer question

Title: Chapter 10 Question 02

2) Between 1900 and 1940, Kansas City went from being a racially integrated city to one with a segregation index of 88.0. What does this mean?

Page reference: The Role of Real Estate in Creating Segregated Cities.

Type: essay/short answer question

Title: Chapter 10 Question 03

3) What did a recent Long Island study that used undercover paired-tests to evaluate racial discrimination by real estate agents find? Two undercover testers (either one White and one Black; or one White and one Latinx; or one White and one Asian) would approach real estate agents with identical financial profiles and neighborhood preferences.

Page reference: Neighborhood Segregation Today

Type: essay/short answer question

Title: Chapter 10 Question 04

4) What did Amy Traub et al (2017) find out about the factors many people think explain wealth inequality, such as education and out-of-wedlock birth?

Page reference: Wealth Inequality Beyond Homeownership

Type: essay/short answer question

Title: Chapter 10 Question 05

5) Several researchers recently dispelled 10 myths about closing the racial wealth gap. What was one of the myths and explain what they dispelled?

Page reference: Research Focus: Ten Myths About Closing the Racial Wealth Gap