首页
登录
职称英语
Older Americans are heading into and through retirement with a boatload(船的载货
Older Americans are heading into and through retirement with a boatload(船的载货
游客
2024-02-01
58
管理
问题
Older Americans are heading into and through retirement with a boatload(船的载货量)of debt. They’re carrying everything from mortgages and home-equity loans to big credit-card balances, and many are finding the burdens harder and harder to bear. In the last eight years, the over-55 crowd has become the age group most likely to declare bankruptcy, according to the AARP.
The statistics are unsettling. More than half of people 50 and older who carry debt spend most of their monthly income paying it down. An AARP study released before the worst of the current recession hit found that a quarter of those folks spend more than 75 percent of their income on their debts. Americans 65 and older who carry credit-card balances saw their average balance rise to $ 10,235 , up 26 percent from 2005 , according to Demos, a public-policy research group.
"We are seeing an across-the-board increase in seniors coming to us for help," says Gail Cunningham, of the National Foundation for Credit Counseling. " They are in financial distress for a variety of reasons: because a spouse has died, they are helping their children and grandchildren, they have credit-card debts, and their home values have declined. "
Retirees have a harder time paying down those debts, too, because they don’t have salaries to devote to the effort. Most have seen their nest eggs decline. Even those who want to return to work to pay down their debts may not be able to find a job, says Cunningham.
In different economic times, retirees might have downsized and cashed in their homes to pay off their debts—or at least have gotten reverse mortgages against those homes to carry them for a while. But with declines in housing markets, they may not have enough equity in their homes to do that. Some, like their younger neighbors, likely owe more on their homes than they are worth.
Not all retirement debt is cause for concern, though it can be hard to separate good debt from bad debt. Someone retiring with sufficient assets to cover what he or she owes may choose to keep their existing long-term low-interest mortgage, because it can help them keep their assets invested, offering them emergency funds and the promise of greater returns on that money. But even that can be problematic for 401(k)and IRA savers who face income taxes on the withdrawals they make to pay their bills. A couple in a 30 percent tax bracket(纳税等级), for example, would have to take $ 1 ,300 out of their IRA to pay their $ 1 ,000 mortgage check. [br] The passage is mainly concerned with______.
选项
A、the aging problem in America
B、retirees and their debts burdens
C、the decline in housing markets
D、income texts on the withdrawals
答案
B
解析
主旨大意题。综合全文可知,本义主要论述了退休人员及其各种债务问题,对比四个选项,可知B)最能概括本义主题,为正确答案。
转载请注明原文地址:http://tihaiku.com/zcyy/3413658.html
相关试题推荐
[originaltext](16)Americansgetsomeoftheirnewsandentertainmentfrom
[originaltext](16)Americansgetsomeoftheirnewsandentertainmentfrom
Nextmonth,NewYorkstudentsingradesthreethrougheightwilltakethest
Nextmonth,NewYorkstudentsingradesthreethrougheightwilltakethest
Nextmonth,NewYorkstudentsingradesthreethrougheightwilltakethest
Thetwoeconomistscalltheirpaper"MentalRetirement",andtheirargument
Thetwoeconomistscalltheirpaper"MentalRetirement",andtheirargument
Thetwoeconomistscalltheirpaper"MentalRetirement",andtheirargument
FixingaWorldThatFostersObesityA)WhyareAmericansgett
FixingaWorldThatFostersObesityA)WhyareAmericansgett
随机试题
Theicecreamconeandtheicedteawereallintroducedatthe1904LouisianaPu
Ifyouwerestartingatopuniversitytoday,whatwoulditlooklike?Youw
[originaltext]W:Andy,whathobbywouldyoutakeupifyouhadmoretime?M:I
根据美国((1787年宪法》,众议员名额按照各州人V1比例分配,各州人口数“按自
基金公司软件的使用应充分考虑软件的安全性、可靠性、稳定性和可扩展性,应具备()
统计量的概率分布构成了推断总体参数的理论基础。()
目标市场对产品毫无兴趣或漠不关心,这种状态的需求称为( )。A.负需求 B.
使用特雷诺比率时,一个非常多样化的基金往往会表现出更高的风险。()
在借贷期间可定期调整的利息率是( )。A.优惠利率 B.基准利率 C.浮动
可用于测定各类路基路面的回弹弯沉以评定其整体承载能力的方法是( )。A.贝克曼
最新回复
(
0
)