“…Tangible losses, such as the loss of investments, jobs, money, houses, and other material possessions, as well as lack of communication skills, make refugees' achievement of economic self-sufficiency more difficult than immigrants' (Hirayama, Hirayama, & Cetingok, 1993;Lin, Masuda, & Tazuma, 1982;Timberlake & Cook, 1984;Williams, 1990). Especially in the early stage of their resettlement, many refugees are underemployed, if not unemployed, because of a lack of English language proficiency, information, and occupational skills (Dorais, 1991).…”