1. Write down your reaction to this photo – whatever comes to your mind first

3.  Describe what you think of when you hear people mention the homeless.  What specific, daily problems must a homeless family solve?  Is there homelessness in our community? How do you know?  Have you ever done anything to help homeless people? Explain.  What programs are available to homeless people?

4.  Take the quiz  1. The federal minimum wage is $7.25 an hour. Assuming full-time, year-round employment, how much would a parent have to earn to rent a modest, two-bedroom apartment at fair market rent without spending more than 30 percent of their income on housing [the standard for affordable housing]?  a. $7.25 per hour, $15,080 per year b. $10.78 per hour, $22,422 per year c. $15.22 per hour, $31,657 per year d. $18.44 per hour, $38,360 per year  2. More than 40 million people received food stamps or SNAP benefits in 2009. What was the average daily benefit per household in 2009?  a. $30 b. $21 c. $15 d. $9  3. A single parent with two preschool-age children living in Dallas would need what income to pay for necessities like rent, food, and childcare? What is the federal poverty line for a family of four?  a. $18,050 b. $22,050 c. $40,050 d. $60,050  Here come the answers…

5. 1. A parent would need to earn $18.44 per hour, more than double the federal minimum wage, to afford to rent a modest two-bedroom apartment at a fair market rent without exceeding their housing budget $18.44 per hour

6. 2. Households receiving SNAP benefits in 2009 only received about $9 per day to meet their hunger and nutrition needs. about $9 per day

7. 3. Millions of families across the country struggle to pay for high-cost necessities like food, rent, and child care. A single parent of two preschool age children living in Dallas would need an annual wage of $45,782 an hourly wage of $22; but the poverty line is only $22,050, and that’s for a family of four.only $22,050

14.  Take the quiz  Add your score  Read the back  Middle class  Wealth  What do the questions reveal about each class?

15. put a check mark by all that are true  Could you survive in poverty? 1. I know which churches and sections of town have the best rummage sales. 2. I know which rummage sales have “bag sales” and when. 3. I know which grocery stores’ garbage bins can be accessed for thrown- away food. 4. I know how to get someone out of jail. 5. I know how to physically fight and defend myself physically. 6. I know how to get a gun, even if I have a police record. 7. I know how to keep my clothes from being stolen at the Laundromat. 8. I know how to live without a checking account. 9. I know how to live without electricity and a phone. 10. I know how to use a knife as scissors. 11. I know what to do when I don’t have money to pay the bills 12. I know how to move in half a day. 13. I know how to get and use food stamps or an electronic card for benefits. 14. I know where the free medical clinics are. 15. I can get by without a car.

16. Scoring guidelines - Poverty:  If out of the 15 items, you answered 'yes' to the following: 15-14: Congrats -- you are street savvy and will survive (maybe even thrive) in poverty. 13-9: Pat on the back -- you'll be able to keep your head above water. 8-4: Look for help -- poverty is hard in ways you hadn't even imagined. 3-0: Call a lifeline -- you are completely unable to survive in poverty. Thank your lucky stars you'll probably never need to.

17. Could you survive in middle-class? 1. I know how to get my children into Little League, piano lessons, soccer, etc. 2. I know how to set a table properly. 3. I know how to order in a nice restaurant. 4. I know how to use a credit card, checking account, and savings account – and I understand an annuity. I understand term life insurance, and 20/80 medical insurance policy, as well as house insurance, flood insurance, and replacement insurance. I can pull my credit reports and know my credit score. 5. I talk to my children about going to college. 6. I know how to get one of the best interest rates on my new car loan. 7. I understand the difference among the principal, interest, and escrow statements on my house payment. 8. I know how to help my children with their homework and do not hesitate to call the school if I need additional information. 9. I know how to decorate the house for the different holidays. 10. I know how to get a library card. 11. I have or I know how to secure department/retail store credit. 12. I repair items in my house almost immediately when they break – or know a repair service and call it.

18. Could you survive in wealth? 1. I can read a menu in French, English, and another language. 2. I have several favorite restaurants in different countries of the world. 3. During the holidays, I know how to hire a decorator to identify the appropriate themes and items with which to decorate the house. 4. I know who my preferred financial advisor, legal service, designer, domestic employment service, and hairdresser are. 5. I have at least two residences that are staffed and maintained. 6. I know how to ensure confidentiality and loyalty from my domestic staff. 7. I have at least two or three “screens” that keep people whom I do not wish to see away from me. 8. I fly in my own plane or the company plane. 9. I know how to enroll my children in the preferred private schools. 10. I know how to host the parties that “key” people attend. 11. I am on the boards of at least two charities. 12. I know how to read a corporate financial statement and analyze my own financial statements.

19.  What do the questions in the previous quizzes reveal about each class?

20. Pages 3-50 “A Woman on the Street”/”The Desert” Answer study guide questions 1-20 Study vocabulary  Hoisted, fretted, antiseptic, edible, harebrained, addled, embankment, sashayed, creosote, pigeonholed, gestate, warmonger, perversion, diminutive