Deck 12: Living Apart: Housing Segregation in America

Question 1

When it comes to subprime loans:

A) Low-income whites living in low-income neighborhoods are more likely to have a conventional loan than high-income African Americans living in predominantly African American areas
B) Low-income African Americans in low-income neighborhoods are more likely to have a conventional loan than high-income whites living in predominantly white areas
C) There is very little difference by race, income is what matters
D) Most of the difference is due to region of the country rather than race

Answer 1

A

Question 2

Studies on housing segregation and income inequality show that:

A) About three-quarters of racial segregation can be accounted for by income differences
B) Blacks live in central cities because they cannot afford to live in the suburbs
C) Housing segregation, not income, has largely restricted blacks to living in the central cities
D) Most blacks prefer the central cities even when they can afford to live in the suburbs

Answer 2

C

Question 3

Which of the following is true about black and white preferences in terms of racial housing segregation?

A) Whites are more likely than blacks to prefer to live in integrated neighborhoods
B) Both blacks and whites prefer to live in neighborhoods that are 50 percent white and 50 percent black
C) A majority of blacks prefer to live in an all-black neighborhoods
D) Most whites prefer to live in all-white or nearly all-white neighborhoods

Answer 3

D

Question 4

In a recent study on preferences terms of the race or ethnicity of one's neighbors:

A) African Americans were the most preferred neighbor by all the groups
B) Latinos were the least preferred neighbor of all the groups
C) Asian Americans were the most preferred neighbor of all the groups
D) Whites were the most preferred neighbor of all the groups

Question 5

Which of the following is true about housing segregation?

A) Hispanics are the least segregated racial or ethnic group in the United States
B) Latinos and Native Americans don't experience discrimination or racial steering when buying homes
C) Both Asian Americans and Hispanic Americans are more segregated from blacks than they are from whites
D) Asian Americans, although less than other minorities, continue to face high levels of segregation in the United States

Question 6

Which of the following is true about housing segregation?

A) It can lead to segregated schools
B) It reduces the need for busing
C) It enhances the quality of life of middle-class blacks
D) It tends to dilute pockets of black poverty

Question 7

Home loans made to lenders perceived as riskier,that have substantially higher interest rates and sometimes less favorable terms than more conventional loans are called:

A) Equity loans
B) Subprime loans
C) First-time loans
D) Reassessment loans

Question 8

Once a neighborhood becomes minimally integrated a common result is:

A) For whites to stop moving into the neighborhood
B) That the neighborhood becomes more attractive to whites, so whites move in at an accelerated rate
C) For blacks to move out at an accelerated rate
D) They remain relatively stable in racial composition

Question 9

Which of the following racial/ethnic groups experienced the least amount of housing segregation?

A) Blacks
B) Puerto Ricans
C) Mexicans
D) Asian Americans

Question 10

Neighborhood association or deed restrictions that forbid the sale or rental of a house to minority groups are called:

A) Redlining
B) Racial steering
C) Gentrification
D) Restrictive covenant

Question 11

The refusal to make loans or issue insurance in certain neighborhoods based on the racial composition or average income in the neighborhood,regardless of the characteristics of the individual homeowner is called:

A) Restrictive covenant
B) Redlining
C) Racial steering
D) Blockbusting

Question 12

The selective showing of property to majority and minority group members is called:

A) Redlining
B) Racial steering
C) Blockbusting
D) Gerrymandering

Question 13

When callers on the phone to real estate or rental agents sound black or Hispanic,they are :

A) Considerably more likely than white-sounding callers to be told that rental property is unavailable when it is located in white areas
B) Considerable less likely than white-sounding callers to be told that rental property is unavailable when it is located in black areas
C) Less likely to be shown property in majority black and Hispanic neighborhoods
D) Less likely to be offered a tour of property in listed neighborhoods.

Question 14

The practice whereby unscrupulous real-estate agents play on the fears of white and the housing predicament of blacks to make a fast buck by encouraging the rapid turnover of a neighborhood from all-white to all-black is called:

A) Redlining
B) Racial steering
C) Blockbusting
D) Gerrymandering

Question 15

The tendency for people in any two groups or races to live in separate areas is called:

A) Assimilation
B) Housing segregation
C) Housing integration
D) Gentrification

Question 16

Because of foreclosures,often due to subprime and sometimes predatory loans,the homeownership rate has negatively affected which group the most?

A) White Americans
B) Hispanic Americans
C) African Americans
D) Asian Americans

Question 17

In tests completed on bias in the homeowner insurance industry,the biggest difference by race was in:

A) The quoted price
B) Rejection vs acceptance of business
C) Agent responsiveness
D) Responding to an insurance claim

Question 18

Discrimination in the lending institutions includes all of the following EXCEPT:

A) Denying loans on the basis of the applicant's race or the racial composition of the neighborhood
B) Decisions by lenders about where to place their offices
C) Racial differencing in coaching customers on how to get a loan and other information
D) Denying loans based on the person's credit history or income

Question 19

While the average segregation index for African Americans has been declining,the index for Hispanics has:

A) Increased dramatically in the last three censuses
B) Changed very little over the last three censuses
C) Decreased at an even greater rate
D) Increased and then decreased over the last three censuses

Question 20

"Sundown towns" are:

A) Towns on the Western frontier
B) Towns with limited services in the afternoon and evening
C) Places where African Americans were kept out by not allowing them to be in the town after sunset
D) Places where curfews are in place for teens by nightfall

Question 21

7.Asian Americans and Hispanics are as segregated as African Americans.

Question 22

2.The net effect of job shifts from cities to suburbs is to take jobs out of areas where blacks and Hispanics live.

Question 23

3.In 2000,nearly 40% of African Americans had no motor vehicle.

Question 24

So many African Americans weren't able to evacuate from New Orleans before Hurricane Katrina because:

A) Most were young adults and thus were less mobile
B) Most of the households included someone with a disability
C) Most had cars but did not want to drive
D) Most had the funds to stay in hotels or eat in restaurants once they left

Question 25

4.When sociologists talk about housing segregation they are referring to laws that prevent groups of people from living near each other.

Question 26

When minority populations live in one area and job opportunities are largely in another,this is called:

A) Racial dislocation
B) Spatial mismatch
C) Racial steering
D) Blockbusting

Question 27

The people disproportionately affected by Hurricane Katrina in 2005 were:

A) White
B) African American
C) Cuban American
D) Mexican American

Question 28

9.In Hurricane Katrina most of the people who died were African American.

Question 29

The incompetent federal response to Hurricane Katrina was due to all of the following EXCEPT:

A) Most of the officials at FEMA were well qualified in disaster situations
B) Resources had been shifted from natural disasters to national security
C) FEMA was placed under the control of the Department of Homeland Security
D) Five of the top eight officials in FEMA had essentially no disaster management experience

Question 30

One major result of spatial mismatch is:

A) High employment rates of African Americans
B) The creation of "excluded ghettoes"
C) Lack of job opportunities for whites in their neighborhoods
D) Increasing economic equalization based on race

Question 31

Disaster research shows that groups with fewer resources are more affected by disasters due to all of the following EXCEPT:

A) Like are more likely to live in areas prone to natural disasters
B) They are more likely to live in poorly built or deteriorating homes that do not stand up to the elements
C) They are most likely to have transportation to get away
D) They have less to begin with and have a worse insurance and resources after the disaster

Question 32

Molotch (2006)found that race affected the different governmental response in Hurricane Katrina in that:

A) No one cared about black Americans
B) Supplies and other assistance was unable to find transportation to those in need
C) Very few people around the country wanted to help
D) People in government agencies normally set aside bureaucratic rules in a time of disaster but that did not happen in this case

Question 33

Deindustrialization is due to all of the following EXCEPT:

A) Finding more skilled and better paid labor force in other countries
B) Automation of the manufacturing process
C) A general trend of globalization
D) Decline of the importance of manufacturing activity and a shift to services

Question 34

Housing segregation reduces the quality of life of the black middle class by:

A) Having to live in neighborhoods with better schools
B) Having to live in neighborhoods with higher rates of poverty
C) Having to live in neighborhoods with lower rates of crime
D) Having to live in neighborhoods with lower rates of mortality

Question 35

10.Many people couldn't evacuate from New Orleans because their household included someone with a disability who could not easily be moved.

Question 36

1.The majority of black Americans live in central cities.

Question 37

5.Blacks are relatively underrepresented in the suburbs.

Question 38

A major decline in the overall number of such manufacturing jobs as a result of automation and globalization which is a trend called:

A) Deindustrialization
B) Affirmative action
C) Split labor market
D) Segregation

Question 39

6.Both black and white homeowners are harmed by blockbusting.

Question 40

8.According to research by Massey and others,segregation reduces the quality of life of the black middle class.

Question 41

2.Which racial/ethnic groups are likely to face discrimination in housing? Which group is most discriminated against? What explanations are offered for this and which has the most research to support the theory?

Question 42

3.A great deal of research has found discrimination in the home lending and home insurance industry.Describe the major findings and why these policies affect African Americans more than other groups in our society.

Question 43

1.Industrial jobs have moved out of central cities.How has this hurt African Americans? Why don't African Americans move to the suburbs to follow the jobs?