runway
24.02.05, 09:46
czym sie wyraza 'bogactwo' Amerykanow, czy przecietny Joe to czlowiek
zamozny? Czy moze facet zyjacy na kredyt, praktycznie nie do splacenia? A oto
pare statystyk.
96% of all Americans will retire financially dependent on the government,
family, or charity.
- The US Department of Health & Human Services
Installment debt, including auto loans and credit card balances, recently
topped a record $1 trillion over a 30% increase in just the past two years.
-The North American Marketing Association
On average, the typical credit card purchase is 112% higher than if using
cash.
-1999 Federal Reserve Study
The average consumer takes 23 years and pays 2.4 to 3 times what they owe to
pay back their debt.
-North American Marketing
Only 2% of homes in America are paid for.
-Simmons Enterprises
50% to 70% of your minimum monthly payments only pays the interest on most
credit card accounts.
-North American Marketing
Over 40% of US families spend more than they earn. (This mean 4 out of 10
people spend more than what they earn)
-Federal Reserve Study
"85% of Americans have a true net worth of less than $250."
- Social Security Administration
"The average American will spend $1,860,000 on goods and services in his or
her lifetime."
- American Demographics
"A baby-boomer who makes $50,000 a year today will need $1 million in savings
to replace that income by the time he or she retires."
-USA Today
"The average 45 to 54 year old has just $2,600 in the bank."
- Capital Research Associates
"On average, Americans can expect to receive just 37% of the annual
retirement income they will need to live comfortably"
- Oppenheimer Funds Dist., Inc.
"The average cost of owning and operating a car over the course of a person's
working life is estimated to be more than $200,000.
- American Institute for Economic Research
If the costs of owning a car were cut in half (in other words each car was
kept twice as long before replacement), the savings invested at 10% over the
same person's working life would build up to an additional...are you ready
for this? $1,317,495 in retirement income!
More than HALF of all the money american make in his/her lifetime will go
towards taxes, debt payments, and fees.
Average homeowners stay in their homes for 7.1 years [National Association of
Realtors®. With an average 8% mortgage, they will sell their homes still
owing over 90% of the principal. If they continue this trend, they will never
pay off a home in their lifetime!
The average savings of a retired couple is only $7,000.
Every day, over 2,200 Americans lose their jobs.
Parents can expect to pay over $150,000 to raise a child to age 18; and if
the child goes to college, add another $70,000 to $160,000
CREDIT CARD STATISTICS:
50 million credit cards are issued annually.
70% of credit card holders carry a balance, which averages over $3,000.
Payments on debt now account for 92% of all family disposable income.
Total consumer debt is over 5 trillion dollars.
That's about the same as the government's "national" debt.
Personal bankruptcies are at an all-time high of about a million a year.
