Zvechokwadi, vanenge 7.1 Mamiriyoni veAmerica, kana nezve5% yevashandi, vakaparadzanisa nguva yavo pakati pemabasa akawanda kubva munaMicember 2015. Vamwe vanhu mamiriyoni matanhatu nematanhatu vakanga vagadzikana kwemaawa mashoma mushure mekusakwanisa kuwana basa rakakwana renguva yakazara. Panguva iyi, mazhinji emabasa aya anovimbisa zvishomanana kana kuti kwete kuwedzera muhomwe. Kutsvakurudza kwakaitwa nePew Charitable Trust yakagadzirisa kuti inowanikwa yeimba yemari yakasimuka ne 22% kubva muna 1979 kusvika muna 1999, asi ne2% chete kubva muna 1999 kusvika muna 2009, uye yakasati yasimbiswa kubva panguva iyoyo kune vakawanda vashandi.
A 2012 mapeji ekutsvakurudza mune zvezvemari akawana kuti kuwedzera kwemazana emhuri kunogona kutarisira kuwana mari inopera ye50% kana kupfuura panguva ipi zvayo yemakore maviri. Mukutanga kwema1970, chiyero chacho chaiva 7%. Pakazosvika 2000, nhamba iyi yakakura kusvika 12%. Mumazuva ehupfumi hwemari muna 2008, hwakanga hwaderera zvishoma, kusvika 10%.
Chidzidzo che Federal Federal Board chakaratidza kuti 18 muzana yevakapindura muna 2013 vakapa mari muzvikamu zvadzo pasi pemaitiro avo evanhu.
Izvi zvaive zvichibva kubva ku25% muna 2010, asi ichikwirira kudarika dambudziko rekutanga risati rasvika re14% muna 2007.
IJPMorgan Chase Yokudzidza: Maererano nekuongorora kwakakwana kwevashandi vebhengi vanosvika 100 000 (muenzaniso unotorwa kubva pachigadziko chawo chemamiriyoni maviri emabhengi) vanoitwa naJPMorgan Chase, vanenge 80% yavo havana mari yakakwana yekukwira kunze kwekukosha kwepamwedzi pamwedzi mune mari kana mari.
Pakati pevashandi ava, vanosiyana zvakasiyana-siyana uye zvikurukuru mubhaketi dzepakati-kati, 40% ruzivo rwemwedzi kusvika pamwedzi inopera kana kuwedzera kwe30% kana kupfuura. Kuwedzeredza dambudziko racho, 60% yevashandi 100 000 vari mu analytic sample inosangana kumwedzi kwepakati pemari yekushandisa iyo yakaenzana kana kupfuura 30%.
Tichifunga kuti mhuri inowanikwa mumapato ari pakati pechirongwa (yakatsanangurwa pano iri pakati pe $ 40,501 uye $ 63,100 mumari yegore negore) inongova $ 3,000 chete mukuchengetedza, nzvimbo yakachengeteka yevakawanda yakanyanya kuderera. Mutauriri weJPMorgan Chase inofungidzira kuti mari inenge $ 4 800 inodiwa kuti ipe mari yakakwana yekutambira mukana wekubhadhara basa risina kubhadhara pamwe chete nechikwereti chikuru chemishonga kana chikoro chebhasi. Zvisinei, kupa zvikwereti zvikuru zvinowanikwa nezvipatara zvisingatarisisiki, kunyange chiyero ichi chinoratidzika zvikuru.
Kunyange dzimba dzepamusoro dzekuwana mukudzidza dzine mari shoma shoma:
- Kuchengetedza kweMidhiani pasi pe $ 7,000 nokuda kwemhuri mu $ 63,101 kusvika ku $ 104,500 mari yekubata
- Kuchengetedza kweMedhia kwema $ 13 500 kune dzimba mu $ 104,501 kusvika ku $ 154,600 mabheji emari, iyo yakakosha mukudzidza
Vaya chete vari mubharenji yepamusoro yepamusoro vanotongwa nevanotsvakurudza muJPMorgan Chase Institute, iyo yakaitisa chidzidzo chacho, kuti iwane mari yakawanda yekuchengetedza mwedzi wemari kana mari inotyisa.
Kunyange zvakadaro, ichi kuchengetedzwa kwemajairiri chinenge chiri pasi, kunyanya kufananirwa nemari. Inoratidza kushandiswa kwakanyanya kushandiswa pakati pevanhu ava.
Chinyorwa chinokosha pamwe neJPMorgan Chase yekudzidza ndechokuti inogamuchira zvarudzo kubva kune dhenda rekambani yevabereki, izvo zvingasave zvichitarisa mari yevatengi vemari, sezvo vakawanda vavo vaine zvigaro, uye hukama hwehuwandu, huwandu hwemari . Izvo zvinotofanirawo kutungamirirwa nekusakwana kwekugadzirisa kwekambani dzekambani mumapoka emhuri.
Chikoro Chekufambisa: Chimwe chikamu chinonakidza cheJPMorgan Chase chidzidzo ndechekuongorora kwekushandura kwemari yemari nemari kubva muna 2013 kusvikira muna 2014. Mabhikoni mashanu emari anowanikwa gore rino anoshandiswa mukudzidza ndeaya:
- $ 0 kusvika $ 23,300
- $ 23,301 kusvika $ 40,500
- $ 40,501 kusvika ku $ 63,100
- $ 63,101 kusvika ku $ 104,500
- $ 104,501 kusvika $ 154,600
Nezvemari:
- 15% yevaya vakaderera pasi 2013 yakasimudza bhati, uye imwe ye7% yakakwira nevanokwana 2 mabhakiti
- 16% yeavo mugore rechipiri ra2013 yakakwira imwe chete, uye imwe 5% ne2 kana kupfuura. Zvichakadaro, 11% yakawira mubhaketi yakaderera.
- 17% muchetatu wechitatu 2013 yakakwira, uye 15% pasi.
- 12% mugore rechina ra2013 rakakwira, uye 21% pasi.
- 18% muhombe yepamusoro ya2013 yakaburuka.
Nezvekushandisa:
- 23% muzasi pasi pekubata mari ya2013 yakapinda mubasa rakashandiswa.
- 27% muchechi yechipiri 2103 mari yakashandisa yakawanda, uye 19% pasi.
- 25% mugore rechitatu bhakoni rekubhadhara mari yakawanda, uye 24% pasi.
- 17% mugore rechina bharenha yekubhadhara yakawanda, uye 26% pasi.
- 21% muhomwe yepamusoro yebhandi ya2013 yakashandisa zvishoma.
Sezvo zvingatarisirwa, shanduro dzinoshandiswa kubva muna 2013 kusvika muna 2014 zvinonyanya kuratidza kuchinja mune mari pane imwe nguva.
Mhedziso: "Cash Crunch Is, Kune Vakawanda, Dambudziko Rwedzimwe Chete," The Wall Street Journal, May 20, 2015.