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