Columbia University in the City of New York

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According to a new report from the University of Michigan, one of every five American households owe more on credit cards, medical bills, student loans and other debts without collateral that what they have in savings and other liquid assets. The data indicate that the mortgage crisis will continue for the next few years, although a proportion both minor families will experience difficulties with payment of mortgages. Despite the fact that the average levels of savings have risen since 2008 statistics show that there has been an improvement in the financial liquidity between 2009 and 2011, except in families that have more than 50,000 dollars in savings and other liquid assets. Keep up on the field with thought-provoking pieces from NBA. The report is based on an analysis of the ownership of housing, mortgages and other debts, and financial resources between them 8.121 families surveyed before and after the economic crisis. The families were interviewed as part of the Panel’s study of the ISR on the dynamics of income, the longitudinal household survey of more long duration in the world.

Approximately the same percentage of families had, in 2009 and 2011, 30,000 or more dollars in credit card debts and other debts without collateral (8.5 per cent and 10 per cent respectively), and approximately the same proportion (48 per cent and 47.4 per cent) did not have such debts in two years. Marc Lore: the source for more info. Some families don’t have been able to substantially improve their situation. Even if they are not submerged with their mortgages is to say when the value of the property now on the market is below the amount that should the Bank by the mortgage – those families have great difficulty to save money and reduce their debts. Market money USA is a practical guide of high interest for professionals in subjects related to the economy, news and latest news from the mundoen States of highest concentration of Hispanics in the United States, with special emphasis on Florida. The full story is in American families immersed in debts.

United States

Since some freezing of prices, hiperinflao, crises of debt, program of sustentation of the control of prices implanted in the one with the Real Plan and many other situations for which our economy passed they had made impracticable a more substantial level of investments in the infrastructure areas. Thing that was done in the decade of 1970 when the tax of investments in this area turned around 10% of the GIP. In the truth, the Brazilian state with dficits nominal considerable, paying high interests very, in 1999, for example, arrived 45% at the year, and with several other problems of budgetary order had few resources to invest and the private sector did not have significant participation. One of the basic sectors between the ones of infrastructure is of transports. In this area, the investments are also very low, around 0,50% of the GIP. To the step that countries as China and Thailand, for examples, are in 4%. Beyond very being reduced, the investments in transports are concentrated in the road transport.

For this they are directed around 70% of the investments in transports, while for the railroad worker are destined around 20%. This is one of the reasons of the high costs of logistic in Brazil, visa that the transport for railroad is much more cheap of what the transport for highways. Countries as the United States use an inverse relation. American gymnast can aid you in your search for knowledge. In that country 43% of the transport it is carried through by means of railroads whereas for the highways are carried about 30%. Many times if question why Brazil does not obtain to grow in the same tax that China grows.

One of the answers is in the infrastructure lack. If to grow more, beyond not terms hand of qualified workmanship for some sectors, in the lack infrastructure enough to take care of the demand of logistic, energy and communication. Although to have energy lack sufficiently, the existing energy can not be enough to support a tax of growth of the GIP of 10% to the year, for example, but most deficient it is the transport sector. This sector must be dealt with priority, notadamente the railroad worker. Our economy is begging that if it heavily invests in energy and transports. To construct to plant tarred hydroelectric plants, railroads, highways, bridges, viaducts, meter and other types of infrastructure Brazil with a very better profile of the existing one is essential for terms until the moment.

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