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Financial l Business l Health & Wellness 17% of Americans do not have enough savings to cover
1 week without a paycheck. 55% could not live for 3 months
or less without a paycheck. In a worldwide survey, 22% of US consumers said they
have no money left after paying basic living expenses.
Only Portugal had more cash-poor respondents , with 23%. The estimated average credit-card debt per US card-holding
households in 2005 was $9,312. $12,338 - average credit-card debt among people who carry
a balance. 51% - Consumers who have at least 2 credit cards In 2004 there were 1,597,462 personal bankruptcies filed
in the United States. In 1929 only 2% of homes in North America had a mortgage
against them. By 1962 only 2% DID NOT have a mortgage
against them. Among people 55-64 years old, 50% still owed money on
their homes in 2004. That's up from 37% in 1989. The amount
of that debt in 2001 was $596,000,000,000. In 2004 that
amount rose to $1,000,000,000,000. Keep in mind that in
1929 only 2% of homes in North America even had mortgages
on them. Over 62% of Americans retire on annual incomes of below
$10,000 Mortgage debt has increased 300% since 1975 and foreclosures
are up 25% over just three years ago. Mortgage debt has more than doubled since the early nineties. The typical bankruptcy was not a homeless guy living
on the street or a high rolling real estate salesman,
but a "well-educated, middle class baby boomer with
big time credit card debt." The average household has $84,454 of personal debt. In 1980 the total consumer debt was $1.3 trillion. Today
it is over $5.9 trillion. 55% of Americans "always" or "sometimes"
worry about their money. There are 15.4 billion credit advertising impressions
on the American public every three months! The personal savings rate in the US has now fallen to
-2.2% -- the lowest in 60 years. Conflict over money is still the leading cause of divorce
today. Premarital education is associated with higher levels
of marital satisfaction, lower levels of destructive conflicts
and higher levels of interpersonal commitment to spouses. Couples who received premarital education had a 31% lower
chance of divorce. 60% of second marriages end in divorce and 75% of third
marriages end in divorce. Most marriages that fail list financial problems as a
contributing factor, if not the main reason for the failure. It takes the average millionaire 17-18 years to become
one. Most are first generation and started with little
or nothing.
69% of new businesses (startups) today take less than
$10,000 to start. 24% of new business require $0 startup
capital. [What are you
waiting for?] Females are twice as likely as males to start up businesses.
However, only 3% of female-owned businesses generate revenue
of over 1 million dollars. According to the American Small Business Administration,
small businesses and entrepreneurs account for 99.9% of
the over 25.8 million businesses in the United States.
Similarly, over the past ten years, small businesses have
created between 60 and 80 percent of new jobs in the country.
From 2001 to 2005, about 47 percent of the companies
that went public had negative earnings, according to Jay
Ritter, a professor of finance at the University of Florida.
89% of incomes over $50,000 a year are earned by owners of small businesses. However, 4 out of 5 businesses don't last 5 years and few ever earn the profits they should.
- Wayne State University
Wellness Fact: Individuals that have a healthy weight
have a life expectancy of 1.75 more years than those who
are obese. Exercisers have a life expectancy of 2.45 more years
than non-exercisers. Wearing your favorite jeans to work can help you burn
25% more calories than business atire. That's 25 lbs per
year! You will be more likely to get up and walk. You will eat 71% more food when watching TV than when
you aren't glued to the tube. Smoking doubles the number of wrinkles on your body. The number of servings in one restaurant portion is 3! Exercise helps your brain stick to a diet. The deeper the color of a fruit or vegetable, the healthier
it is. Two hundred years ago the average American ate only 2
pounds of sugar a year. In 1970, we ate 123 pounds of
sugar per year. Today the average man, woman and child
consumes almost 152 pounds of sugar in one year. This
is equal to 3 pounds or 6 cups of sugar consumed in one
week! Nutritionists suggest Americans consume 13.3 teaspoons
of sugar per day. The present average is 42 1/1 teaspoons
per day! In 1 minute with 45-50 beats, the heart of a well-conditioned
person pumps the same amount of blood as an inactive person's
heart pumps in 70-75 beats. Obese individuals spend 36% more on health care services
and 77% more on medications than normal weight people. Americans spend an estimated $33 billion each year on
weight loss products and services Each year, an estimated 300,000 US adults die of causes
attributable to obesity Type 2 diabetes is nearly 3-4 times more prevalent in
overweight adults than in lean adults One million people in this country are absent from work
each day because of stress-related disorders Unmanaged stress (or your reaction to stress) is a higher
risk factor for cancer and heart disease than either cigarette
smoking or high cholesterol foods The word "diet" comes from the Greek word "diata",
meaning "manner of living". Even the ancient
Greeks understood that losing weight was a matter of making
lifestyle changes. Americans now spend more money on fast food than on higher
education, personal computers, computer software, or new
cars - COMBINED! Nearly 10% of all food purchased in restaurants is consumed
in the car Nationally, smoking results in more than 5.6 million
years of potential life lost each year There are more than 4,000 chemicals in cigarette smoke People who will increase their fruit and vegetable consumption
from two servings a day to five servings a day can cut
the risk of getting many cancers by half. Only 22% of Americans consume five servings of fruits
and vegetables per day Regular physical activity is a common treatment for many
forms of depression and may play an important role in
the management of mental health diseases. Of all the meals Americans eat, 27% are eaten outside
the home The typical American drank 44.4 gallons of soda in 1997. Heart disease starts in children and is evident at 5
to 8 years of age.
This information should cause you to think, and may also make you a bit uncomfortable. If it's time for YOU to make a change, please let us know how we can help.  |
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