What foreigners think americans don't save money
1.Compared to "save" the single way of pension, americans have more investments and plans.
In our impression, americans spend big, neither money nor jue, a day will know that paying by credit card. It was not until the financial crisis comes, dumbfounded. It is, however, to the American people the concept of consumption and saving a misconception. The American people know how to save money not only, and is good at saving money.
First of all, the school of American college students usually earn money on their own, after 16 years old still rely on home outreach, the situation rarely. Secondly, the parents when a generation of americans to send their children to school, do not pursue must be of the best schools. Public free schools in the United States, private charges. If private than public school teaching, but parents can't afford the tuition, so they would be happy to choose public schools.
Saving money in the United States, not in the sense of individual savings, but an "institutional" savings, is a government program to help people save money. Almost half of the American people to the various kinds of insurance. Car has been stolen, was hit by a tree house, gave birth to a serious illness, and so on all have the corresponding insurance coverage. Life can encounter has insurance company to cover the most of the accident, "safety net" cover very comprehensive.
The work is also very stable. Because the talent supply and demand of the whole society has reached the state of relative balance. If there is no special surprises, honest work will not lose their jobs.
Many americans before retirement pension plan, general is to invest a certain property, stocks, bonds, funds, accumulated a certain amount of assets, and income such as pension, enough to provide for the aged. Americans don't save money, but the debt less care.
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Americans say first conclusion: have a proper job has endowment insurance, equivalent to a covert storage.
The personal finance network has made investigation, nearly 33% of americans have no emergency savings, deposit amount doesn't even have a credit card debt is high, with 21% of those who said their credit card debt more than bank deposit, 12% of americans say they have no deposits or debt.
But such a large group of people have no savings, wait until the older what do for a living?
Is mainly composed of the following sections, club AnJin, private company retirement savings, financial securities income, pensions and other assets and government subsidies.
2.Americans say first conclusion: have a proper job has endowment insurance, equivalent to a covert storage.
The personal finance network has made investigation, nearly 33% of americans have no emergency savings, deposit amount doesn't even have a credit card debt is high, with 21% of those who said their credit card debt more than bank deposit, 12% of americans say they have no deposits or debt.
But such a large group of people have no savings, wait until the older what do for a living?
Is mainly composed of the following sections, club AnJin, private company retirement savings, financial securities income, pensions and other assets and government subsidies.
Club AnJin
About 90% of families with permanent jobs after retirement to lead social AnJin, 2013 U.S. 58 million retirees to receive the club AnJin $821 billion in total. According to statistics, more than sixty-three percent of the 2007 retiree club AnJinZhan half of income. 32% of the retired people more than 32% of the revenue AnJin city club
Pension,
The civil servants on the payroll of the United States is first will deduct 9% of the endowment of apportion gold (and similar) endowment insurance and 1.45% of the medical insurance. Not to do so is not entitled to pension after retirement. Pension how much depends on the length of working time, the amount that you work while you work and retirement. The higher the later receive retirement pension.
However, the life after retirement and retirement a lot difference than before, plus there is no support, saving old habits, etc. The younger generation to work less and less, coupled with a large number of neets, American old also not comfortable.