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Ruben is a homeless heroin addict and a street hustler. He hustles because the $342 he receives each month from San Francisco only lasts about three days and his hunger for heroin seems to last a lifetime. So Ruben, chaqueta belstaff 51, sells drugs, used clothes and his government-issued food stamps in San Francisco's gritty Tenderloin neighborhood. Voters head to the polls Nov. 5 to decide whether to slash the monthly cash allowance to $59 for Ruben and other homeless adults on city welfare and instead spend the estimated $13 million a year on more shelter beds, permanent housing, drug treatment and social services. Ruben, who declined to give his last name, is one of 2,895 homeless folks who would be affected by Proposition N. Over the past three months, The Chronicle interviewed a range of homeless people as they picked up their cash grants twice a month at a check-cashing business in the Tenderloin. Many were drunk, high on drugs or planning to get high soon after the money hit their hands. Some were mentally ill. And others had recently moved to San Francisco and were just down on their luck. Supporters of Proposition N, or Care Not Cash, say most homeless adults who receive city aid use it to feed their addictions and perpetuate a dangerous life on the streets. San Francisco's cash grant, which ranges from $325 to $395 a month, is the largest in the Bay Area. Opponents call the proposition a mean-spirited measure that will make life harder for the city's poorest residents who spend their money on food, bus fare, clothes and hotel rooms, which can cost at least $400 a month. But down on the street level, where everything and everybody has a price, homeless people showed us how -- and how quickly -- they drained their wallets. Their stories start at Pay Day Loans, the Tenderloin check cashing place sandwiched between liquor stores. Across the street is Glide Memorial Methodist Church, which offers Gospel, meals and unpaid Workfare jobs to homeless welfare recipients. On the 1st and 15th day of every month, San Francisco distributes checks to the homeless belstaff españa through 11 check-cashing businesses. The shops take 3 percent of every check they cash. That's where a homeless person's first few dollars go. At Pay Day Loans, some people sleep in the doorway to beat the long line the next morning. A cop stands guard at the door, regulating the crush of people. On a recent check day -- what Tenderloin cops call Mother's Day -- Ruben arrived at 6 Belstaff Bolsas