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Poverty
Since 1980, racial and ethnic disparities in poverty in the U.S. have remained largely unchanged, resulting in what the researchers characterize as “two Americas.” The two America's theses researchers Marybeth Mattingly and Valerie Scimeca are referring to are three ethnic groups, White, Black and Hispanics and how the poor the minorities of the three ethnic groups actually are. Poverty is defined as the state or condition of having little or no money, goods, or means of support; condition of being poor. High poverty rates lead to dangerous neighborhoods and low matriculation rates within these minority groups. Poverty in the minority groups are because of racial inequalities such as health disparities and home ownership.

Housing
There are many underlying forms of racial inequality through housing. US public housing was first designed as an explicitly racist program segregating whites and blacks, with geographic and financial advantages given to whites. Segregation of the two races gives the race that is favored by the government the most resources to gain wealth and buy property, leaving the other race to rent out property or to be homeless in a shelter. Roughly 1 in 6 black and Hispanic households spend more than 50 percent of their income on housing, leaving them with fewer resources to devote to their children’s education, health care and other basic needs.