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
2023-06-30
60
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:https://tihaiku.com/zcyy/2797392.html
相关试题推荐
InonlytwodecadesAsianAmericanshavebecomethefastest-growingU.S.min
InonlytwodecadesAsianAmericanshavebecomethefastest-growingU.S.min
SomeAmericansarealittlenervousaboutthenation’sfuture,butothersfe
SomeAmericansarealittlenervousaboutthenation’sfuture,butothersfe
SomeAmericansarealittlenervousaboutthenation’sfuture,butothersfe
SomeAmericansarealittlenervousaboutthenation’sfuture,butothersfe
SomeAmericansarealittlenervousaboutthenation’sfuture,butothersfe
Sixyearsago,aMiamiwomanwalkingthroughthehallofanofficebuilding
Sixyearsago,aMiamiwomanwalkingthroughthehallofanofficebuilding
HenryIIIdidn’tknowmuchaboutbiology.Hewentthroughsixwivesbackin
随机试题
Whilemanynationshaveagingpopulations,Japan’sdemographiccrisisistr
ToliveintheUnitedStatestodayistogainanappreciationforDahrendor
Educatorsareseriouslyconcernedaboutthehighrateofdropoutsamongthed
决策中的心理冲突表现为()。A.趋避冲突 B.双避冲突 C.趋利冲突 D
氨基酸的组成包括A、一个羧基(-COOH) B、一个氨基(-NH2) C、一
某小学校长私自将学校的空房出租出去,自己收取房租。该校长的行为( )。A.合法
以下不属于银行公司信贷产品的特点的是()。A.不可分性 B.同质性
学习策略训练应遵循哪些基本原则?
下列有关审计风险模型“审计风险=重大错报风险×检查风险”的说法中,正确的有()
下列关于现场统计法确定材料消耗量的表述,正确的有()。A.主要用于编制材料
最新回复
(
0
)