The term 'panhandles' refers to a person who solicits or begs for money. This type of person is often seen on the streets, asking for donations from passersby. The crossword solutions for this term are 'solicits' (8 letters) and 'begs' (4 letters). Both words refer to the same activity of asking for money, but 'solicits' implies a more polite approach while 'begs' implies a more desperate one.