Poverty Report - References
1 2015 Poverty Guidelines. U.S. Department of Health and Human Services. http://aspe.hhs.gov/poverty/15poverty.cfm#thresholds
2 POVERTY STATUS IN THE PAST 12 MONTHS.U.S. Censushttp://factfinder.census.gov/bkmk/table/1.0/en/ACS/14_1YR/S1701/0100000US|0400000US06|0500000US06065|1600000US0649270|1600000US0656700|1600000US0662000
3 The Politics of Financial Insecurity. Pew Research Center. http://www.people-press.org/2015/01/08/the-politics-of-financial-insecurity-a-democratic-tilt-undercut-by-low-participation
4 4 in 5 US Adults Face Near-Poverty, No Work For At Least Parts of Their Lives. Business Insider. http://www.businessinsider.com/ap-poll-4-in-5-us-adults-face-near-poverty-no-work-for-at-least-parts-of-their-lives-2013-7
5 Official USDA Food Plans: Cost of Food at Home at Four Levels, U.S. Average, July 2014. USDA. http://www.cnpp.usda.gov/sites/default/files/usda_food_plans_cost_of_food/CostofFoodJul2014.pdf
6 Out-of-Pocket Health Care Expenses by Age and Insurance Coverage, 2011. Agency for Healthcare Research and Quality. http://meps.ahrq.gov/mepsweb/data_files/publications/st441/stat441.pdf
7 Consumer Expenditure Survey, 2012-2013. Bureau of Labor Statistics. http://www.bls.gov/cex/2013/CrossTabs/sizbyinc/xthree.PDF
8 H + T Fact Sheet Municipality: Riverside. The Center for Neighborhood Technology. http://htaindex.cnt.org/fact-sheets/?lat=33.9533487&lng=-117.3961564&focus=place&gid=28523#fs
9 2015 Automobile Insurance. California Department of Insurance. https://interactive.web.insurance.ca.gov/survey/survey?type=autoSurvey&event=autoStart
10 Median Annual Income and Rent Costs – Riverside County and the City of Riverside. Rep. Mark Takano. http://takano.house.gov/rent-on-the-rise-in-riverside
11 Consumer Expenditure Survey, 2012-2013. Bureau of Labor Statistics. http://www.bls.gov/cex/2013/CrossTabs/sizbyinc/xthree.PDF
12 Child Care in the State of: California. Childcare Aware of America. http://usa.childcareaware.org/wp-content/uploads/2015/06/2015-State-Fact-Sheets-California.pdf
13 Social Security & Medicare Tax Rates. Social Security Administration. http://www.ssa.gov/oact/progdata/taxRates.html
14 2014 California Tax Rates and Exemptions. State of California Franchise Tax Board. https://www.ftb.ca.gov/forms/2014_California_Tax_Rates_and_Exemptions.shtml
15 2015 Federal Income Tax Rates, Retirement Contribution Limits, Kiddie Tax, Gift Tax Exclusion And More. Forbes. http://www.forbes.com/sites/troyonink/2014/10/30/2015-federal-income-tax-rates-retirement-contribution-limits-kiddie-tax-gift-tax-exclusion-and-more/
16 How Much Could I Receive?: Supplemental Nutrition Assistance Program (SNAP). USDA. http://www.fns.usda.gov/snap/how-much-could-i-receive
17 A single mother of two, working full time on the minimum wage in CA, would not qualify for TANF
18 Refund after taxes divided by 12
19 What are the California Standard Deductions? State of California Franchise Tax Board. https://www.ftb.ca.gov/individuals/faq/net/902.shtml
20 Standard Deduction at a Glance.IRS.http://www.irs.gov/Credits-&-Deductions/Individuals/Standard-Deduction
21 Housing Choice Voucher wait list reopened July 2015, currently at 20,000 households
22 CSD Helps Low-Income Families Manage & Reduce Energy Costs. California Department of Community Services and Development. http://www.csd.ca.gov/Portals/0/Documents/Fact%20Sheets/PY%202013%20Energy%20Fact%20Sheet%20Final.pdf
23 Raising the Federal Minimum Wage to $10.10 Would Save Safety Net Programs Billions and Help Ensure Businesses Are Doing Their Fair Share. Economic Policy Institute. http://www.epi.org/publication/safety-net-savings-from-raising-minimum-wage/
24 How Much Could Policy Changes Reduce Poverty In New York City? The Urban Institute. http://www.urban.org/research/publication/how-much-could-policy-changes-reduce-poverty-new-york-city/view/full_report
25 TANF Continues to Weaken as a Safety Net. Center on Budget and Policy Priorities. http://www.cbpp.org/research/family-income-support/tanf-continues-to-weaken-as-a-safety-net
26 Check Cashing. Money Tree Riverside. http://www.moneytreeinc.com/branch/riverside
27 CFPB Study of Overdraft Programs June 2013. Consumer Financial Protection Bureau. http://files.consumerfinance.gov/f/201306_cfpb_whitepaper_overdraft-practices.pdf
28 McDonalds and Visa Show It's Easy to Get By on a Low Salary as Long as You Don't Eat. Slate. http://www.slate.com/blogs/moneybox/2013/07/15/mcdonalds_budget_no_food_no_heat.html
29 Safety Net Lifted 39 Million Americans out of Poverty in 2013. Center on Budget and Policy Priorities. http://www.cbpp.org/blog/safety-net-lifted-39-million-americans-out-of-poverty-in-2013
30 Giving Statistics. Charity Navigator. http://www.charitynavigator.org/index.cfm/bay/content.view/cpid/42#.Vd-EZPlVhBc
31 FY2016 Budget Overview. Social Security Administration. http://www.ssa.gov/budget/FY16Files/2016BO.pdf
32 Policy Basics: Where Do Our Federal Tax Dollars Go? Center on Budget and Policy Priorities. http://www.cbpp.org/research/policy-basics-where-do-our-federal-tax-dollars-go
33 TANF Cash Benefits Continued To Lose Value in 2013. Center on Budget and Policy Priorities. http://www.cbpp.org/research/family-income-support/tanf-cash-benefits-continued-to-lose-value-in-2013
34 Many States Cutting TANF Benefits Harshly Despite High Unemployment and Unprecedented Need. Center on Budget and Policy Priorities. http://www.cbpp.org/cms/?fa=view&id=3498
35 The Welfare Rules Databook: State TANF Policies as of July 2013. The Urban Institute. http://anfdata.urban.org/databooks/Welfare%20Rules%20Databook%202013.pdf
36 California TANF Spending Fact Sheet. Center on Budget and Policy Priorities. http://www.cbpp.org/sites/default/files/atoms/files/tanf_spending_ca.pdf
37 SNAP Benefit Cut Has Worsened Hardships for Low-Income Families. Center on Budget and Policy Priorities. http://www.offthechartsblog.org/snap-benefit-cut-has-worsened-hardships-for-low-income-families/
38 SNAP Kept 4.7 Million Americans Out of Poverty Last Year. Center on Budget and Policy Priorities. http://www.cbpp.org/blog/snap-kept-47-million-americans-out-of-poverty-last-year
39 Safety Net More Effective Against Poverty Than Previously Thought. Center on Budget and Policy Priorities. http://www.cbpp.org/research/poverty-and-inequality/safety-net-more-effective-against-poverty-than-previously-thought
40 Republicans Eye Changes to Food-Stamp Program. The Wall Street Journal. http://www.wsj.com/articles/republicans-eye-changes-to-food-stamp-program-1423692057
41 House Budget Would Slash SNAP by $125 Billion Over Ten Years. Center on Budget and Policy Priorities. http://www.cbpp.org/research/food-assistance/house-budget-would-slash-snap-by-125-billion-over-ten-years
42 Proposed Congressional Cuts to Nutrition Assistance Would Cost Jobs. Center for American Progress. https://www.americanprogress.org/issues/poverty/news/2015/04/13/110861/proposed-congressional-cuts-to-nutrition-assistance-would-cost-jobs/
43 An Overview of the Section 8 Housing Programs: Housing Choice Vouchers and Project-Based Rental Assistance. CRS. http://www.crs.gov/pdfloader/RL32284
44 How Long Do I Wait. Housing Authority of the County of Riverside. http://www.harivco.org/Program/HowLongDoIWait/tabid/70/Default.aspx
45 California Fact Sheet: Tax Credits Promote Work and Fight Poverty. Center on Budget and Policy Priorities. http://apps.cbpp.org/3-5-14tax/?state=CA
46 The Earned Income Tax Credit in California. The Public Policy Institute of California. http://www.ppic.org/main/publication_show.asp?i=925
47 EITC and Child Tax Credit Promote Work, Reduce Poverty, and Support Children’s Development, Research Finds. Center on Budget and Policy Priorities. http://www.cbpp.org/research/federal-tax/eitc-and-child-tax-credit-promote-work-reduce-poverty-and-support-childrens
48 Letting Key Provisions of Working-Family Tax Credits Expire Would Push 16 Million People Into or Deeper Into Poverty. Center on Budget and Policy Priorities. http://www.cbpp.org/research/federal-tax/letting-key-provisions-of-working-family-tax-credits-expire-would-push-16
49 Discounts Comparison. California LifeLine Program. https://www.californialifeline.com/en/discounts_comparison
50 2013 FDIC National Survey of Unbanked and Underbanked Households. Federal Deposit Insurance Corporation. https://www.fdic.gov/householdsurvey/
51 Payday Lending Basics. The Center for Responsible Lending. http://www.responsiblelending.org/payday-lending/tools-resources/payday-lending-basics.html
52 Loans. Money Tree Riverside. http://www.moneytreeinc.com/branch/riverside
53 Offices and Branches of FDIC-insured Banks. Federal Deposit Insurance Corporation. https://www5.fdic.gov/idasp/dl_offices.asp?report=findoffices&cert=&state=California&cnty=Riverside&city=&street=&zipCode=
54 7 Rules of Thumb for Retirement Planning. U.S. News. http://money.usnews.com/money/blogs/on-retirement/2013/08/02/7-rules-of-thumb-for-retirement-planning
55 CFPB Study of Overdraft Programs June 2013. Consumer Financial Protection Bureau. http://files.consumerfinance.gov/f/201306_cfpb_whitepaper_overdraft-practices.pdf
56 The High Cost of Poverty: Why the Poor Pay More. The Washington Post. http://www.washingtonpost.com/wp-dyn/content/article/2009/05/17/AR2009051702053.html?sid=ST2009051801162
57 Access to Affordable and Nutritious Food: Measuring and Understanding Food Deserts and Their Consequences. USDA. http://ers.usda.gov/media/242675/ap036_1_.pdf
58 Where Do Americans Usually Shop for Food and How Do They Travel To Get There? USDA. http://www.ers.usda.gov/media/1807325/eib138.pdf
59 Minimum Wages and the Distribution of Family Incomes. Arindrajit Dube. http://facweb.northseattle.edu/dperry/econ201/Min%20Wage/Dube_MinimumWagesFamilyIncomes(1).pdf
60 New Research: EITC Boosts Employment; Lifts Many More Out of Poverty Than Previously Thought. Center on Budget and Policy Priorities. http://www.cbpp.org/blog/new-research-eitc-boosts-employment-lifts-many-more-out-of-poverty-than-previously-thought
61 Tuition and Fees by Sector and State over Time. College Board. http://trends.collegeboard.org/college-pricing/figures-tables/tuition-fees-sector-state-time
62 SNAP Is Effective and Efficient. Center on Budget and Policy Priorities. http://www.cbpp.org/research/snap-is-effective-and-efficient
63 Computer and Internet Use in the United States: 2013. United States Department of Commerce. http://www.census.gov/content/dam/Census/library/publications/2014/acs/acs-28.pdf
64 Lifeline Program for Low-Income Consumers. Federal Communications Commission. https://www.fcc.gov/lifeline
65 Postal Savings System. US Postal Service. https://about.usps.com/who-we-are/postal-history/postal-savings-system.pdf
66 Food Deserts and AMS Transportation and Marketing Programs. U.S. Department of Agriculture. http://apps.ams.usda.gov/fooddeserts/Food_Deserts_AMS_Success_Stories.pdf