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Housing Inequality Answers

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1
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How does political marginalization impact neighborhoods?

A
There is less overall investment in infrastructure, public transportation, and community services.
B
There is increased investment in community services but decreased investment in infrastructure.
C
There is more overall investment in infrastructure, public transportation, and community services.
D
There is increased investment in infrastructure but decreased investment in public transportation.
2
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What is steering?

A
providing less favorable loan or mortgage terms to people based on their race or ethnicity
B
creating maps to grade neighborhoods based on their perceived stability and risk factors
C
encouraging people to sell homes in urban areas and purchase new ones in suburban areas
D
guiding people toward or away from certain neighborhoods based on their race or ethnicity
3

Which occurrence is an example of de facto segregation?

A
redlining
B
suburbanization
C
steering
D
restrictive covenant
4

What causes gentrification?

A
a reduction of political power in a high-income area
B
an increase of industrial factories in a lower-income area
C
an influx of wealthy people into a lower-income area
D
an increase in suburbanization in a high-income area
5

What long-term effect can housing inequality have on property values?

A
higher investment rates
B
lower values
C
lower loan interest rates
D
higher values
6

How has redlining impacted neighborhood public schools?

A
They have more funding because residents are low-income.
B
They have less funding because property taxes are lower.
C
They receive funding from sources other than property taxes.
D
They receive funding equal to all other schools in the nation.
7

Which occurrence is an example of de jure segregation?

A
redlining
B
discriminatory lending
C
White flight
D
steering
8

Which statement best describes the economy in historically redlined communities?

A
Enforcement of fair housing laws has stimulated economic recovery.
B
Investment by large corporations has led to economic growth and jobs.
C
Rising property values have begun to equalize past economic losses.
D
Limited access to credit and investment has caused economic stagnation.
9

Why is there an affordability gap for housing in the United States?

A
wages for lower and middle-income workers have not risen at the same pace as housing prices
B
buyers and renters are unwilling to spend a disproportionate amount of their income on housing
C
inexpensive and available rental homes are located in areas without reliable public transportation
D
only half the states have an adequate supply of low-cost housing for their lowest-income renters
10

What long-term effect do disparities in educational opportunities in historically redlined communities have on students from those areas?

A
property taxes are higher
B
cost of living increases
C
earning potential is limited
D
higher education is more accessible
11

What is one consequence of gentrification?

A
the property values are reduced due to wear and tear
B
a neighborhood struggles to attract and retain businesses
C
longtime residents are forced to move to more affordable areas
D
the social and cultural identity of a neighborhood is reinforced
12

What are ghettos?

A
rapidly growing suburban areas that generate wealth for residents
B
agricultural areas with limited housing and few medical facilities
C
industrial areas where various types of manufacturing take place
D
urban areas with limited economic opportunities and substandard housing
13

What does "de jure segregation” refer to?

A
racial separation based on economics
B
racial separation enforced by law
C
racial separation due to location
D
racial separation occurring by choice
14

What are communities that were redlined more likely to experience?

A
increased suburbanization
B
environmental hazards
C
a lack of cultural identity
D
fair-housing protection

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