Факты, которые подконтрольные ЦРУ СМ»И» в России скрывают...
Dictatorship USA – Run By A Plundering and Murderous Ruling Class — 2019 (623)
Families Drowning in Debt to Stay in the Middle Class
NakedCapitalism, Aug. 2, 2019
The Wall Street Journal has an important story on how people with what seems like pretty good household incomes are getting more and more indebted in keeping a middle class lifestyle.
Median household income in the U.S. was $61,372 at the end of 2017, according to the Census Bureau. When inflation is taken into account, that is just above the 1999 level.
Average housing prices, however, swelled 290% over those three decades in inflation-adjusted terms, according to an analysis by Adam Levitin, a Georgetown Law professor who studies bankruptcy, financial regulation and consumer finance.
Average tuition at public four-year colleges went up 311%, adjusted for inflation, by his calculation. And average per capita personal health-care expenditures rose about 51% in real terms over a slightly shorter period, 1990 to 2017.
The rise in health insurance and medical care costs have eaten away at disposable income. Saving enough to have an adequate income in retirement becomes more daunting. And parents are pressured to save to help put their kids though college.
The article gives a high-level profile of two struggling couples. The first:
Jonathan Guzman and Mayra Finol earn about $130,000 a year, combined, in technology jobs. Though that is more than double the median, debt from their years at St. John’s University in New York has been hard to overcome.
The two 28-year-olds in West Hartford, Conn., have about $51,000 in student debt, plus $18,000 in auto loans and $50,000 across eight credit cards. Adding financial pressure are a baby daughter and a mortgage of around $270,000….
Their budget-buster was almost certainly having a child.
Another story where the housing demands of having a child further stress shaky finances:
Elizabeth and Andy Bauerle have been trying to buy a house for seven years without success, despite having combined income of about $155,000—in the top 20% of households, according to census data.
The two 34-year-olds face a common conundrum. Their jobs are in the Seattle metro area… The kind of house they want—a two-bedroom, two-bath with a yard—starts at around $600,000 in and around Seattle.
They would need to make a down payment of $70,000 to keep the mortgage payment manageable, given their other obligations. These include student-loan debt of about $88,000 that consumes around $1,000 of income every month.
Ms. Bauerle said about half of their take-home pay goes out the door for that plus $1,750 in rent and $1,200 in child care for their son. “Four thousand dollars of our income is immediately spoken for,” she said.
Like many families, they have stretched out the monthly payments on an auto loan. They have a 2013 Subaru, bought used three years ago. They won’t write the last $240 monthly check on the car until it is about nine years old.
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Перед нами - коварный и опасный мошенник, расист, лжец и фашист Дональд Трамп, порочный Конгресс, нацистские ФБР - ЦРУ, кровавые милитаристы США и НАТО >>> а также и лживые, вредоносные американские СМ»И».
Нынешние киевские власти — фашистские агенты американского империализма... Именно то, чего хотят Трамр/ США и в Венесуэле!
А также в Иране. А также в Cирии. Затем и в России!
/////////////////////////////////////////////
Правительство США жестоко нарушало мои права человека при проведении кампании террора, которая заставила меня покинуть свою родину и получить политическое убежище в СССР. См. книгу «Безмолвный террор — История политических гонений на семью в США» - "Silent Terror: One family's history of political persecution in the United States» - arnoldlockshin.wordpress.com
Правительство США еще нарушает мои права, за 15 лет отказывается от выплаты причитающейся мне пенсии по старости. Властители США воруют пенсию!!
ФСБ - Федеральная служба «безопасности» России - вслед за позорным, предавшим страну предшественником КГБ, мерзко выполняет приказы секретного, кровавого хозяина (boss) - американского ЦРУ (CIA). Среди таких «задач» - мне запретить выступать в СМИ и не пропускать отправленных мне комментариев. А это далеко, далеко не всё...
Арнольд Локшин, политэмигрант из США
BANNED – ЗАПРЕЩЕНО!!
ЦРУ - ФСБ забанили все мои посты, комментарии в Вконтакте, в Макспарке, в Facebook (“a dangerous account — your post goes against our Community Standards so only you can see it”), в Twitter (“Your account is suspended and is not permitted to perform this action”), в Medium.com... и удаляют ещё много других моих постов!
Dictatorship USA – Run By A Plundering and Murderous Ruling Class — 2019 (623)
Families Drowning in Debt to Stay in the Middle Class
NakedCapitalism, Aug. 2, 2019
The Wall Street Journal has an important story on how people with what seems like pretty good household incomes are getting more and more indebted in keeping a middle class lifestyle.
Median household income in the U.S. was $61,372 at the end of 2017, according to the Census Bureau. When inflation is taken into account, that is just above the 1999 level.
Average housing prices, however, swelled 290% over those three decades in inflation-adjusted terms, according to an analysis by Adam Levitin, a Georgetown Law professor who studies bankruptcy, financial regulation and consumer finance.
Average tuition at public four-year colleges went up 311%, adjusted for inflation, by his calculation. And average per capita personal health-care expenditures rose about 51% in real terms over a slightly shorter period, 1990 to 2017.
The rise in health insurance and medical care costs have eaten away at disposable income. Saving enough to have an adequate income in retirement becomes more daunting. And parents are pressured to save to help put their kids though college.
The article gives a high-level profile of two struggling couples. The first:
Jonathan Guzman and Mayra Finol earn about $130,000 a year, combined, in technology jobs. Though that is more than double the median, debt from their years at St. John’s University in New York has been hard to overcome.
The two 28-year-olds in West Hartford, Conn., have about $51,000 in student debt, plus $18,000 in auto loans and $50,000 across eight credit cards. Adding financial pressure are a baby daughter and a mortgage of around $270,000….
Their budget-buster was almost certainly having a child.
Another story where the housing demands of having a child further stress shaky finances:
Elizabeth and Andy Bauerle have been trying to buy a house for seven years without success, despite having combined income of about $155,000—in the top 20% of households, according to census data.
The two 34-year-olds face a common conundrum. Their jobs are in the Seattle metro area… The kind of house they want—a two-bedroom, two-bath with a yard—starts at around $600,000 in and around Seattle.
They would need to make a down payment of $70,000 to keep the mortgage payment manageable, given their other obligations. These include student-loan debt of about $88,000 that consumes around $1,000 of income every month.
Ms. Bauerle said about half of their take-home pay goes out the door for that plus $1,750 in rent and $1,200 in child care for their son. “Four thousand dollars of our income is immediately spoken for,” she said.
Like many families, they have stretched out the monthly payments on an auto loan. They have a 2013 Subaru, bought used three years ago. They won’t write the last $240 monthly check on the car until it is about nine years old.
//////////////////////////////////////
Перед нами - коварный и опасный мошенник, расист, лжец и фашист Дональд Трамп, порочный Конгресс, нацистские ФБР - ЦРУ, кровавые милитаристы США и НАТО >>> а также и лживые, вредоносные американские СМ»И».
Нынешние киевские власти — фашистские агенты американского империализма... Именно то, чего хотят Трамр/ США и в Венесуэле!
А также в Иране. А также в Cирии. Затем и в России!
/////////////////////////////////////////////
Правительство США жестоко нарушало мои права человека при проведении кампании террора, которая заставила меня покинуть свою родину и получить политическое убежище в СССР. См. книгу «Безмолвный террор — История политических гонений на семью в США» - "Silent Terror: One family's history of political persecution in the United States» - arnoldlockshin.wordpress.com
Правительство США еще нарушает мои права, за 15 лет отказывается от выплаты причитающейся мне пенсии по старости. Властители США воруют пенсию!!
ФСБ - Федеральная служба «безопасности» России - вслед за позорным, предавшим страну предшественником КГБ, мерзко выполняет приказы секретного, кровавого хозяина (boss) - американского ЦРУ (CIA). Среди таких «задач» - мне запретить выступать в СМИ и не пропускать отправленных мне комментариев. А это далеко, далеко не всё...
Арнольд Локшин, политэмигрант из США
BANNED – ЗАПРЕЩЕНО!!
ЦРУ - ФСБ забанили все мои посты, комментарии в Вконтакте, в Макспарке, в Facebook (“a dangerous account — your post goes against our Community Standards so only you can see it”), в Twitter (“Your account is suspended and is not permitted to perform this action”), в Medium.com... и удаляют ещё много других моих постов!