|   Re: Bum/Tramp/Beggar/street urchin/panhandler 
 People might use them to say something bad about a person when they don't want to swear.  It might not be exactly true but it's a put-down.  For that use they are all OK except 'panhandler'.  I've never heard 'panhandler' used out of context.
 A 'bum' - generally a man who is lazy, asks for money from you, is sort of good for nothing ...
 
 A 'tramp' - a a woman that sleeps around or has sex with anyone quite easily, a woman who gets around (sexually)
 
 A 'beggar' - someone who begs for food or money to survive
 
 A 'street urchin' - is an undesirable person on the street, probably a homeless person or a beggar
 
 A 'panhandler' - a person who begs for money or food on the street
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