Sentences with phrase «as household assets»

Not exact matches

For instance, you can break it down by device or placement you want to show up for (e.g. news feed or right column), you can define more demographics such as income, liquid assets, ethnicity, the type of car people drive, the household composition and much more.

However, in comparison to households that only hold owner - occupier debt, there is evidence that investors tend to accumulate higher savings in the form of other assets (such as paying ahead of schedule on a loan for their own home, as well as accumulating equities, bank accounts and other financial instruments).

In addition, broad measures of saving have remained positive, and household wealth — assets such as stocks and homes, less debt — is on the rise.

Since the early 1980s, the proportion of household financial assets held as deposits has fallen from about 50 per cent to below 30 per cent; this has been mirrored by a comparable rise in the proportion of household assets held as claims on life insurance and superannuation funds (Graph 11).

They can affect saving and spending behaviour of firms and households, as well as cash flow, the supply of credit, asset prices and the exchange rate, all of which affect the level of aggregate demand.

The author, Christopher Jones, points out that stock owners already have exposure to real estate as large public corporations own most of the commercial real estate in the U.S. Given the short history of REITs, he is not convinced that they provide «meaningful» diversification and points out that home owners already have enough real estate in their household assets.

The two most immediate effects: First is the hit to sterling, as uncertainty reduces nonresidents» appetite for UK assets against the background of the UK's record current account deficit; second is the hit to growth, as firms hold back on investment, and households increase precautionary savings.

As discussed above, in the past when credit and asset price booms have ended, they have often resulted in financial and economic instability, with banks suffering losses and the business and household sectors cutting back spending as they repair their balance sheetAs discussed above, in the past when credit and asset price booms have ended, they have often resulted in financial and economic instability, with banks suffering losses and the business and household sectors cutting back spending as they repair their balance sheetas they repair their balance sheets.

As a result, household gearing — the ratio of debt to assets — increased to around 15 per cent in the March quarter.

And as the table shows, even early in these young households» post college lives, the effect of student debt on assets is already becoming apparent.

However, in order to both keep the model as simple as possible and give predictions that are in reality a best - case scenario, our model simply assumes that each household's income grows at a steady, fixed rate each year, that retirement savings grow and accumulate returns at a steady pace, etc. (For more detail on the values used in the model for growth in home values, retirement assets, etc., see the Methodology Appendix below).

Indeed, such diversity could be an asset as a demonstration not only of the American way of freedom of worship but of the rich variety of gifts within the household of faith, if the churches understood each other and were working toward a common end.

Furthermore, demographic changes have augmented the number of younger households, which borrow against future earnings as they begin to establish families and careers, as well as the share of retired households, which spend beyond their current incomes by gradually reducing savings and selling assets.

Located 500 miles from 41 percent of the US population and 59 percent of Canada's with access to 25 percent of the world's fresh water, Western New York is poised to take advantage of its many assets and strengths — such as a tourism sector with international acclaim; relatively low costs of living and doing business; an educated and skilled workforce; and strong aggregate household income.

In the latest programme, designed to see whether the intervention would work elsewhere, households were given assets such as goats, sheep or chickens to start farming, or the means to open a shop, and then supported with food, cash, a savings account, and access to health care while they were getting their activity up and running.

Low - and moderate - income households were most affected by the housing market downturn, however those involved with this study saw gains in net worth, indicating that homeownership may be «a pathway to asset security,» as Grinstein - Weiss puts it.

For Hispanics, many of whom are recent immigrants, social and cultural factors, such as disparities in education and household assets and health - related cognitive problems, accounted for the sensory loss.

Household asset accounts are defined as those TD Waterhouse Discount Brokerage accounts for clients living in the same household, with the same address.

Rather than looking at a household's income, this metric matches what a household owes with what it owns, such as the equity built up in houses or savings accumulated in other assets such as stocks and investment funds.

Your financial documents should include information on your income, debts, property, and other assets, as well as monthly household expenses.

So, as we look at household ownership of individual bonds as a percentage of total financial assets, we see the following.

You will however, be able to keep certain assets including any possessions you need for work, such as any work vehicles or any tools, as well as basic household items like furniture, bedding and clothes.

You should basically consider all your financial obligations and deduct your current investments and assets, as well as the impact of the loss of income for the household, when determining the amount of life insurance that makes sense for you.

As such, it is subtracted from a household's assets to determine that household's net worth.

In addition, 500 completes were collected from high net worth individuals, defined as those with household investable assets (excluding property) of more than $ 500,000.

So if your household is accustomed to living on $ 50,000 a year, you'd want as much as $ 25,000 socked away in liquid assets like a daily interest savings account, cashable GICs, treasury bills or money market mutual funds.

Formally, net worth is the value of the household's assets (both nonfinancial assets, for example, homes and cars, as well as financial assets) minus the value of all the household's debts, or what it owns minus what it owes.

«Net worth» and «wealth» are used interchangeably and refer to the difference between the value of assets owned by a household (such as home, stocks and savings accounts) and its liabilities (such as mortgages, credit card debt and loans for education).

These allow you to keep certain assets, such as your basic household furniture, clothing, and an inexpensive car.

For wealthier households, the perception may be that only the top 1 % with assets in the tens of millions are really defined as high net worth (HNW).

These minimum standards include such borrower traits as annual household income, assets in the bank, and credit rating.

3.1 We will undertake a comprehensive review your current financial situation, including an analysis of your income (all the money that comes into your household), your essential and priority expenditure (things like rent or mortgage, gas, electricity, food, transport to work and any repayments towards loans that secured against an asset such as your home), unsecured debts (such as credit cards, overdrafts and personal loans) and assets (things you own that have a saleable value, such as property and cars).

Most of millennial households» wealth comes from physical assets, such as houses, cars and businesses.

Information about your first mortgage, such as your monthly mortgage statement Information about any second mortgage or home equity line of credit on the house Account balances and minimum monthly payments due on all of your credit cards Account balances and monthly payments on all your other debts such as student loans and car loans Your most recent income tax return Information about your savings and other assets Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources

Meanwhile, households with investable assets of $ 100,000 or more were twice as likely to say they prefer frequent flyer miles over cash.

The next target region was Mbeya, which WRI and New Ventures» maps identified as a potential target based on criteria of household electricity availability, asset ownership and mobile agent penetration.

Finally, the IRS includes assets that are difficult to value such as clothing, household items, and tools.

In determining whether a defendant has substantial liquid assets, the judge shall not consider up to Ten Thousand Dollars ($ 10,000.00) in tangible personal property, including motor vehicles, household goods, or any other assets exempted from seizure under execution or attachment as provided under Section 85 -3-1.

The plaintiff has lost an asset: his or her ability to perform household tasks that would have been of value to him or herself as well as others in the family unit but for the accident.

Although the agreement covered certain necessary items (such as a listing of the couple's assets, bank accounts and insurance policies, division of household contents, etc.), it unfortunately omitted several very important ones: for example it neglected to deal with spousal support for the wife, and did not provide for a fair division of the husband's pension.

If the person who passed away was very close to you or a member of your household, you may have access to papers that would help you figure out if there are hidden assets or unclaimed life policies that may list you as a beneficiary.

You should basically consider all your financial obligations and deduct your current investments and assets, as well as the impact of the loss of income for the household, when determining the amount of life insurance that makes sense for you.

As it can be passed from generation to generation and is kept as an asset in Indian householdAs it can be passed from generation to generation and is kept as an asset in Indian householdas an asset in Indian households.

For wealthier households, the perception may be that only the top 1 % with assets in the tens of millions are really defined as high net worth (HNW).

Revocable living trusts are usually a minimal first step toward protecting loved ones from the hassle and expense of a probate administration and this is especially important for high net worth households because probate costs rise as a percentage of asset values.

An attorney could help work through such issues, asking questions such as whether these assets had been integrated into household finances or were held separately, and whether they should hold different weight in an agreement.

Unlike household goods such as a set of dishes, digital assets can't be split in half and remain useful.

Drawing from the first wave (2007 — 2010) of the Study on Global Ageing and Adult Health (SAGE) and adopting a counterfactual approach, we estimate both natural direct and indirect effects of parental education through individual educational attainment (secondarily, through household assets as an additional mediator) on respondents» life - satisfaction and quality of life (QOL).

The more traditional methods of settlement negotiations are built to fit all kinds of legal disputes, while collaborative divorce proceedings are designed specifically to help families transition from one household into two, with as little damage as possible to the family assets and savings and with as little trauma as possible to the children.

The U.S. savings rate might also improve since higher rates would attract household deposits while discouraging investment in assets such as cars and houses.