首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Older Americans are heading into and through retirement with a boatload(船的载货量)of debt. They’re carrying everything from mortgage
Older Americans are heading into and through retirement with a boatload(船的载货量)of debt. They’re carrying everything from mortgage
admin
2016-10-18
41
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.
Some retirees who have enough assets to cover their debts choose to keep their existing mortgage because______.
选项
A、they need no emergency funds after retirement
B、they have no debts from bank before retirement
C、they want to keep their assets invested
D、they have no salary for their emergencies
答案
C
解析
事实细节题。该段提及,一些人退休时拥有足够的资产米应对他们所欠的债务,但是他们可能会选择继续持有长期低利率抵押贷款,因为这可以帮助他们保留其资产进行投资。C)含义与之相符,故为正确答案。
转载请注明原文地址:https://kaotiyun.com/show/D4Y7777K
0
大学英语四级
相关试题推荐
A、Theyinvadethecomputerandmakeitaplaceformanufacturing.B、Theyspreadthroughoutthewholesystembyquicklycopyingt
A、Ahousewife.B、Anurse.C、Ateacher.D、Astudent.D推理题。根据文章中女士的话wellyouknowhow...withmidtermsandeverything可知她要准备期中考试,因此可以
VideoconferencingisnothingmorethanatelevisionsetorPCmonitorwithacamera.Throughthevideoconferencing,notonlyyo
VideoconferencingisnothingmorethanatelevisionsetorPCmonitorwithacamera.Throughthevideoconferencing,notonlyyo
VideoconferencingisnothingmorethanatelevisionsetorPCmonitorwithacamera.Throughthevideoconferencing,notonlyyo
VideoconferencingisnothingmorethanatelevisionsetorPCmonitorwithacamera.Throughthevideoconferencing,notonlyyo
Crimeisincreasingworldwide.Thereiseveryreasontobelievethe【B1】______willcontinuethroughthenextfewdecades.Crimer
Crimeisincreasingworldwide.Thereiseveryreasontobelievethe【B1】______willcontinuethroughthenextfewdecades.Crimer
Crimeisincreasingworldwide.Thereiseveryreasontobelievethe【B1】______willcontinuethroughthenextfewdecades.Crimer
随机试题
房地产企业债券可以按照约定转换为企业的普通股。()
建设工程组织流水施工时,相邻施工过程的流水步距不尽相等,但专业工作队数等于施工过程数且各专业工作队能够在施工段上连续作业的流水施工方式是()。
甲运输公司某年6月份发生如下交易或事项:(1)取得运输业务收入总额800万元,支付给联运企业运输费用350万元;(2)取得销售不动产50万元,该不动产成本为30万元;(3)下属的招待所取得客房收入30万元,餐厅、歌舞厅收入共计55万元。
导游与旅游者之间的口头承诺属于按()方式订立的合同。
下列Word2003表格操作中,能够选定整个表格的是()。
古希腊把“三艺”作为教育内容,这“三艺”是指()。
要使一元二次方程x2-3x+m=0在[0,1]上恰好有一个解,则m的取值范围是().
假设某计算机系统的内存大小为256K,在某一时刻内存的使用情况如下表所示。此时,若进程顺序请求10K、15K和5K的存储空间,系统采用某种算法为进程分配内存,分配后的内存情况如下表所示。那么系统采用的是什么分配算法?()
小胡利用Excel对销售人员的销售额进行统计,销售工作表中已包含每位销售人员对应的产品销量,且产品销售单价为308元,计算每位销售人员销售额的最优操作方法是()。
CompletethesentencesbelowwithwordstakenfromReadingPassage1.UseONEWORDforeachanswer.Writeyouranswersinboxes
最新回复
(
0
)