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Financial l Business l Health & Wellness

70% of people in North America live paycheck to paycheck.
- The Wall Street Journal

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.
- USA Today

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%.
- Kiplinger's Magazine

The estimated average credit-card debt per US card-holding households in 2005 was $9,312.
- Time Magazine

$12,338 - average credit-card debt among people who carry a balance.
46% - US Households that carry a credit-card balance (2004).
9% - Families with debts overdue 60 days or more (2004).
- Kiplinger's Magazine

51% - Consumers who have at least 2 credit cards
14% - Consumers who have at least 10 credit cards
14% - Consumers who use at least 50% of their available credit
- Experian National Score Index

In 2004 there were 1,597,462 personal bankruptcies filed in the United States.
In 2005 there were 2,078,415 filed.

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.
- Christian Financial Concepts

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.
- Federal Reserve Board, Survey of Consumer Finances

Over 62% of Americans retire on annual incomes of below $10,000
- The US Census Bureau

Mortgage debt has increased 300% since 1975 and foreclosures are up 25% over just three years ago.
- The Federal Reserve

Mortgage debt has more than doubled since the early nineties.
- The Federal Reserve

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 Wall Street Journal

The average household has $84,454 of personal debt.
- USA Today

In 1980 the total consumer debt was $1.3 trillion. Today it is over $5.9 trillion.
- Consumer Reports Money Book

55% of Americans "always" or "sometimes" worry about their money.
- Marist Institute

There are 15.4 billion credit advertising impressions on the American public every three months!
- Jupiter Media

The personal savings rate in the US has now fallen to -2.2% -- the lowest in 60 years.
- The Department of Commerce

Conflict over money is still the leading cause of divorce today.
- Psychology Today

Premarital education is associated with higher levels of marital satisfaction, lower levels of destructive conflicts and higher levels of interpersonal commitment to spouses.
- Journal of Family Psychology

Couples who received premarital education had a 31% lower chance of divorce.
- Phone survey conducted in 4 states with 3344 adults

60% of second marriages end in divorce and 75% of third marriages end in divorce.
- Gary Chapman

Most marriages that fail list financial problems as a contributing factor, if not the main reason for the failure.
- Dave Ramsey

It takes the average millionaire 17-18 years to become one. Most are first generation and started with little or nothing.
- Dr. Thom Stanley



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?]
- Entrepreneur Magazine and the US Census Bureau

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.
- Small Business Administration

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.

- 33% of new businesses will fail within 6 months
- 75% of startups will shut down within five years
- 90% of businesses operating today will eventually fail, or just give up trying

- Wayne State University


Health & Wellness

Wellness Fact: Individuals that have a healthy weight have a life expectancy of 1.75 more years than those who are obese.
- Frazier

Exercisers have a life expectancy of 2.45 more years than non-exercisers.
- Frazier

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.
-University of Wisconsin

You will eat 71% more food when watching TV than when you aren't glued to the tube.
- Men's Health

Smoking doubles the number of wrinkles on your body.
- Men's Health

The number of servings in one restaurant portion is 3!
- Penn State University

Exercise helps your brain stick to a diet.
- University of Pittsburgh

The deeper the color of a fruit or vegetable, the healthier it is.
- Whole Foods Market

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!
- Healthy Heart Program

Nutritionists suggest Americans consume 13.3 teaspoons of sugar per day. The present average is 42 1/1 teaspoons per day!
- Healthy Heart Program

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.
- WELCOA brochure Getting Physically Active

Obese individuals spend 36% more on health care services and 77% more on medications than normal weight people.
- US Dept. of Health & Human Services

Americans spend an estimated $33 billion each year on weight loss products and services
- WELCOA brochure A Guide to Understanding Your Weight

Each year, an estimated 300,000 US adults die of causes attributable to obesity
- WELCOA brochure A Guide to Understanding Your Weight

Type 2 diabetes is nearly 3-4 times more prevalent in overweight adults than in lean adults
- WELCOA brochure A Guide to Understanding Your Weight

One million people in this country are absent from work each day because of stress-related disorders
- WELCOA brochure A Guide to Understanding Stress

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
- WELCOA brochure A Guide to Understanding Stress

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.
- WELCOA brochure A Guide to Understanding Your Weight

Americans now spend more money on fast food than on higher education, personal computers, computer software, or new cars - COMBINED!
- WELCOA brochure A Guide to Understanding Your Weight

Nearly 10% of all food purchased in restaurants is consumed in the car
- WELCOA brochure A Guide to Understanding Your Weight

Nationally, smoking results in more than 5.6 million years of potential life lost each year
- WELCOA brochure A Guide to Understanding Tobacco

There are more than 4,000 chemicals in cigarette smoke
- WELCOA brochure A Guide to Understanding Your Weight

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.
- The Culprit & The Cure Steven G. Aldana, Ph.D.

Only 22% of Americans consume five servings of fruits and vegetables per day
- The Culprit & The Cure Steven G. Aldana, Ph.D.

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.
- The Culprit & The Cure Steven G. Aldana, Ph.D.

Of all the meals Americans eat, 27% are eaten outside the home
- The Culprit & The Cure Steven G. Aldana, Ph.D.

The typical American drank 44.4 gallons of soda in 1997.
- The Culprit & The Cure Steven G. Aldana, Ph.D.

Heart disease starts in children and is evident at 5 to 8 years of age.
- The Culprit & The Cure Steven G. Aldana, Ph.D.


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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