Question 1

In the early 1900s, U.S. cities were already hypersegregated.

Accepted Answer

A) True 
 B)False

Question 2

Is racial segregation in the housing market is still a problem in U.S. society? Provide two pieces of evidence for your answer.

Accepted Answer

Yes, racial segregation in housing is st

Question 3

Shapiro, Meschede, and Osoro conducted a study in which they sought to explain why the wealth gap between Black and White Americans tripled between 1984 and 2009. Do they find that this wealth disparity is due to behavioral differences, such as the inclination to build savings? Explain.

Accepted Answer

Shapiro and colleagues did not find the

Question 4

James lives in low income housing in a neighborhood that is 90 percent non-White. James' neighborhood can be described as:

Accepted Answer

A)  a racially restrictive covenant 
B)  residentially segregated 
C)  having high property value 
D)  an ethnic enclave 
A)  a racially restrictive covenant 
B)  residentially segregated 
C)  having high property value 
D)  an ethnic enclave

Question 5

Why is racial segregation a problem in need of a solution? In making your case, draw on at least three specific findings presented in Chapter 8.

Accepted Answer

Answers will vary There is an

Question 6

1 percent of Americans own nearly half of the wealth in the United States.

Accepted Answer

A) True 
 B)False

Question 7

The Federal Housing Administration was established primarily to protect the rights of Black homeowners.

Accepted Answer

A) True 
 B)False

Question 8

Compared with other racial groups, Latinxs and Whites have the highest segregation index.

Accepted Answer

A) True 
 B)False

Question 9

Use the concept of hypersegregation to illustrate the difference between the typical residential patterns of African Americans and Native Americans.

Accepted Answer

African Americans tend to be hypersegreg

Question 10

Which of the following is an example of an asset-based social policy?

Accepted Answer

A)  A city government invests money in a working-class Black neighborhood by building a transportation hub. 
B)  The federal government sets strict asset tests for qualifying for a mortgage that disproportionately advantages White applicants. 
C)  A mortgage company targets Black and Latinx families for loans with very high interest rates. 
D)  All of the above 
A)  A city government invests money in a working-class Black neighborhood by building a transportation hub. 
B)  The federal government sets strict asset tests for qualifying for a mortgage that disproportionately advantages White applicants. 
C)  A mortgage company targets Black and Latinx families for loans with very high interest rates. 
D)  All of the above

Question 11

Racial violence, racially biased real estate practices, and federal housing programs that favored Whites are all forces that resulted in:

Accepted Answer

A)  income inequality 
B)  residential segregation 
C)  the wage gap 
D)  urban isolation 
A)  income inequality 
B)  residential segregation 
C)  the wage gap 
D)  urban isolation

Question 12

What was the motivation behind real estate practices that prevented the sale of property within certain areas to non-Whites?

Accepted Answer

A)  Real estate agents refused to work with African American clients and so they were able to justify their discrimination by claiming that there were no houses available to show in certain neighborhoods. 
B)  Real estate agents knew that Whites preferred to live in all White neighborhoods and that Blacks prefer to live around other Blacks to avoid microaggressions. 
C)  Federal housing guidelines dictated that real estate agents could only show Blacks houses in segregated communities. 
D)  Real estate investors believed that racially stable, all-White neighborhoods were the most likely to increase in value over time. 
A)  Real estate agents refused to work with African American clients and so they were able to justify their discrimination by claiming that there were no houses available to show in certain neighborhoods. 
B)  Real estate agents knew that Whites preferred to live in all White neighborhoods and that Blacks prefer to live around other Blacks to avoid microaggressions. 
C)  Federal housing guidelines dictated that real estate agents could only show Blacks houses in segregated communities. 
D)  Real estate investors believed that racially stable, all-White neighborhoods were the most likely to increase in value over time.

Question 13

When the Fair Housing Act made racially restrictive covenants illegal, which of the following tactics did real estate agents use to maintain residential segregation?

Accepted Answer

A)  predatory lending 
B)  racial violence 
C)  steering 
D)  hypersegregation 
A)  predatory lending 
B)  racial violence 
C)  steering 
D)  hypersegregation

Question 14

Not only are Whites able to significantly build their wealth though housing, but that wealth can help perpetuate wealth inequality because:

Accepted Answer

A)  it will then be passed on to future generations through inheritances 
B)  these houses will continue to appreciate in value even during recessions 
C)  once a neighborhoods becomes primarily White, it will always remain White and keep property values up 
D)  Whites are more likely to invest their wealth in their local communities 
A)  it will then be passed on to future generations through inheritances 
B)  these houses will continue to appreciate in value even during recessions 
C)  once a neighborhoods becomes primarily White, it will always remain White and keep property values up 
D)  Whites are more likely to invest their wealth in their local communities

Question 15

Steering is a practice in which real estate agents show homes in White neighborhoods to Blacks and homes in Black neighborhoods to Whites in an effort to integrate communities.

Accepted Answer

A) True 
 B)False

Question 16

Blacks are 2.7 times more likely than Whites to be denied mortgages.

Accepted Answer

A) True 
 B)False

Question 17

Mary is an African American woman who wanted to buy a home, but did not qualify for a traditional mortgage. She had no choice but to take a high interest rate loan, which initially she was able to afford but then the interest rates doubled and she was forced to foreclose. What type of loan did Mary likely have?

Accepted Answer

A)  subprime 
B)  FHA 
C)  Pell 
D)  open-ended 
A)  subprime 
B)  FHA 
C)  Pell 
D)  open-ended

Question 18

Two tools which help us quantify residential segregation are:

Accepted Answer

A)  the dissimilarity index and the isolation index 
B)  school busing maps and voting districts maps 
C)  the U.S. Census and the unemployment rate 
D)  the Gini coefficient and the employment-population ratio 
A)  the dissimilarity index and the isolation index 
B)  school busing maps and voting districts maps 
C)  the U.S. Census and the unemployment rate 
D)  the Gini coefficient and the employment-population ratio

Question 19

Affluent Blacks and Latinxs live in neighborhoods with fewer resources than poor Whites.

Accepted Answer

A) True 
 B)False

Question 20

What is a subprime loan? How might you argue that banks' subprime lending practices illustrate contemporary racial disparity in the housing market?

Accepted Answer

Subprime loans are high-interest loans t

In the early 1900s, U.S. cities were already hypersegregated.

Is racial segregation in the housing market is still a problem in U.S. society? Provide two pieces of evidence for your answer.

Shapiro, Meschede, and Osoro conducted a study in which they sought to explain why the wealth gap between Black and White Americans tripled between 1984 and 2009. Do they find that this wealth disparity is due to behavioral differences, such as the inclination to build savings? Explain.

James lives in low income housing in a neighborhood that is 90 percent non-White. James' neighborhood can be described as:

Why is racial segregation a problem in need of a solution? In making your case, draw on at least three specific findings presented in Chapter 8.

1 percent of Americans own nearly half of the wealth in the United States.

The Federal Housing Administration was established primarily to protect the rights of Black homeowners.

Compared with other racial groups, Latinxs and Whites have the highest segregation index.

Use the concept of hypersegregation to illustrate the difference between the typical residential patterns of African Americans and Native Americans.

Which of the following is an example of an asset-based social policy?

Racial violence, racially biased real estate practices, and federal housing programs that favored Whites are all forces that resulted in:

What was the motivation behind real estate practices that prevented the sale of property within certain areas to non-Whites?

When the Fair Housing Act made racially restrictive covenants illegal, which of the following tactics did real estate agents use to maintain residential segregation?

Not only are Whites able to significantly build their wealth though housing, but that wealth can help perpetuate wealth inequality because:

Steering is a practice in which real estate agents show homes in White neighborhoods to Blacks and homes in Black neighborhoods to Whites in an effort to integrate communities.

Blacks are 2.7 times more likely than Whites to be denied mortgages.

Two tools which help us quantify residential segregation are:

Affluent Blacks and Latinxs live in neighborhoods with fewer resources than poor Whites.

What is a subprime loan? How might you argue that banks' subprime lending practices illustrate contemporary racial disparity in the housing market?

The Origin of the Idea of Race

Racisms, Racial Ideologies, and Sociological Theories of Racism

Racism and Nativism in Immigration Policy

Racism in the Media: the Spread of Ideology

Colorism and Skin-Color Stratification

Educational Inequality

Income and Labor Market Inequality

Racism and the Criminal Justice System

Health Inequalities, Environmental Racism, and Environmental Justice

Filters

Exam 8: Inequality in Housing and Wealth

In the early 1900s, U.S. cities were already hypersegregated.

Is racial segregation in the housing market is still a problem in U.S. society? Provide two pieces of evidence for your answer.

Shapiro, Meschede, and Osoro conducted a study in which they sought to explain why the wealth gap between Black and White Americans tripled between 1984 and 2009. Do they find that this wealth disparity is due to behavioral differences, such as the inclination to build savings? Explain.

James lives in low income housing in a neighborhood that is 90 percent non-White. James' neighborhood can be described as:

Why is racial segregation a problem in need of a solution? In making your case, draw on at least three specific findings presented in Chapter 8.

1 percent of Americans own nearly half of the wealth in the United States.

The Federal Housing Administration was established primarily to protect the rights of Black homeowners.

Compared with other racial groups, Latinxs and Whites have the highest segregation index.

Use the concept of hypersegregation to illustrate the difference between the typical residential patterns of African Americans and Native Americans.

Which of the following is an example of an asset-based social policy?

Racial violence, racially biased real estate practices, and federal housing programs that favored Whites are all forces that resulted in:

What was the motivation behind real estate practices that prevented the sale of property within certain areas to non-Whites?

When the Fair Housing Act made racially restrictive covenants illegal, which of the following tactics did real estate agents use to maintain residential segregation?

Not only are Whites able to significantly build their wealth though housing, but that wealth can help perpetuate wealth inequality because:

Steering is a practice in which real estate agents show homes in White neighborhoods to Blacks and homes in Black neighborhoods to Whites in an effort to integrate communities.

Blacks are 2.7 times more likely than Whites to be denied mortgages.

Two tools which help us quantify residential segregation are:

Affluent Blacks and Latinxs live in neighborhoods with fewer resources than poor Whites.

What is a subprime loan? How might you argue that banks' subprime lending practices illustrate contemporary racial disparity in the housing market?

The Origin of the Idea of Race

Racisms, Racial Ideologies, and Sociological Theories of Racism

Racism and Nativism in Immigration Policy

Racism in the Media: the Spread of Ideology

Colorism and Skin-Color Stratification

Educational Inequality

Income and Labor Market Inequality

Racism and the Criminal Justice System

Health Inequalities, Environmental Racism, and Environmental Justice

Filters