S*******n
发帖数: 1721 | 1 【 以下文字转载自 WaterWorld 讨论区 】
发信人: thinkhard (think hard), 信区: WaterWorld
标 题: 2011年美国家庭净资产的中位数差不多7W
发信站: BBS 未名空间站 (Tue Jan 7 12:37:59 2014, 美东)
2011年美国家庭净资产的中位数是$68,828 [+/- $1,235],
就是说,如果一个家庭在2011年净资产有7W(包括房子),就比
50%的其他美国家庭富裕.
Median household net worth in
the United Sates has followed this pattern over the
past decade, increasing from $81,821 [+/- $1,455] in
2000 to $106,585 [+/- $1,642] in 2005 (an increase
of $24,764 or 30 percent) and then decreasing to
$68,828 [+/- $1,235] by 2011 (a decrease of $37,757
or 35 percent)
http://www.census.gov/people/wealth/files/Wealth%20Highlights%2
2013年美国家庭收入的中位数差不多52K
http://en.wikipedia.org/wiki/Household_income_in_the_United_Sta
2012年美国家庭消费的平均数$51,442
http://www.bls.gov/news.release/cesan.nr0.htm | g*q
发帖数: 26623 | 2 household不是家庭，是户。
家庭的定义要窄得多。如果只算married couple family，男人有全职工作的，中位收
入是9万多。女人全职的是10万。男女都全职是11万。男全职，女不工作是7万。 | c****o
发帖数: 32446 | | c*********7
发帖数: 19373 | 4 算没算负债和欠款？老美一人背一身债，很多人都是负几十万。如果算上美国国家债务
，一人身上又多几万。 | p********r
发帖数: 1980 | 5 National debt breaks down to $140,000 per household.
Banks usually will not approve such loan without collateral to a household
with 52K income and 70K asset, aside from People's Bank of China...who will
issue such loan with near zero interest,
【在 S*******n 的大作中提到】
: 【 以下文字转载自 WaterWorld 讨论区 】
: 发信人: thinkhard (think hard), 信区: WaterWorld
: 标 题: 2011年美国家庭净资产的中位数差不多7W
: 发信站: BBS 未名空间站 (Tue Jan 7 12:37:59 2014, 美东)
: 2011年美国家庭净资产的中位数是$68,828 [+/- $1,235],
: 就是说,如果一个家庭在2011年净资产有7W(包括房子),就比
: 50%的其他美国家庭富裕.
: Median household net worth in
: the United Sates has followed this pattern over the
: past decade, increasing from $81,821 [+/- $1,455] in
| S*******n
发帖数: 1721 | 6 净资产。。。
【在 c*********7 的大作中提到】
: 算没算负债和欠款？老美一人背一身债，很多人都是负几十万。如果算上美国国家债务
: ，一人身上又多几万。
| t**********r
发帖数: 2153 | 7 房子贵的地方很多年轻老中都是负资产吧?
【在 S*******n 的大作中提到】
: 净资产。。。
| s*****l
发帖数: 376 | 8 为啥？房子的equity不算资产是吧？
【在 t**********r 的大作中提到】
: 房子贵的地方很多年轻老中都是负资产吧?
| b****n
发帖数: 3343 | 9 Does 家庭净资产 include 401k and IRA? | b****n
发帖数: 3343 | 10 Based on the definition from
http://www.census.gov/people/wealth/files/Wealth%20Highlights%2
Net worth (wealth):
is the sum of the market value of assets owned by every member of the
household minus liabilities owed by household members. The major assets not
covered in this measure are equities in pension plans, the cash value of
life insurance policies, and the value of home furnishings and jewelry.
So I guess 401k/IRA are excluded as they are similar to "equities in pension
plans".
【在 b****n 的大作中提到】
: Does 家庭净资产 include 401k and IRA?
| S*******n
发帖数: 1721 | 11 Pension 和401（K）/IRA有本质的不同。所以我认为401（K）/IRA应该是包括在净值里
面的。
http://www.ehow.com/info_12005658_included-net-worth.html
not
pension
【在 b****n 的大作中提到】
: Based on the definition from
: http://www.census.gov/people/wealth/files/Wealth%20Highlights%2
: Net worth (wealth):
: is the sum of the market value of assets owned by every member of the
: household minus liabilities owed by household members. The major assets not
: covered in this measure are equities in pension plans, the cash value of
: life insurance policies, and the value of home furnishings and jewelry.
: So I guess 401k/IRA are excluded as they are similar to "equities in pension
: plans".
| a********a
发帖数: 3082 | 12 俺之前看见别人算得时候是算得，但是要减掉early withdraw penalty和tax
liability
【在 S*******n 的大作中提到】
: Pension 和401（K）/IRA有本质的不同。所以我认为401（K）/IRA应该是包括在净值里
: 面的。
: http://www.ehow.com/info_12005658_included-net-worth.html
:
: not
: pension
|
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