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美国约二成家庭的净资产为负数,时间:2012-05。美国,这些天来,也许人们在美国,到处都可以看到:要帮忙快速解决债务的广告–信用卡债务、学生贷款或医疗账单,那是因为:太多人债台高筑。

《 今日美国》报道,密西根大学的最新报告说,大约五分之一的美国家庭欠的信用卡债务、医疗账单,或学生贷款等,没有抵押品的债务,超过他们的储蓄、支票账户,或其它流动性资产。

密西根大学社会研究所经济学家、报告作者-斯塔福德(Frank Stafford)说,有些家庭难以取得实质性进展。

平均储蓄水平,自从2008年以来,有所上升。

密西根大学的研究显示,2009年和2011年之间,金融流动性没有改善,只有储蓄和其它资产超过5万美元的家庭,例外。另一方面,很多能够多储蓄的家庭,正是因为担心才那么做。

斯塔福德说,研究报告没有说明-那些家庭如何积累储蓄。他估计:他们是削减开支,卖掉风险资产,将更多资金,存入储蓄账户。

同时,遭受可调整利率抵押贷款打击严重、住房价值下降和损失工作的人,重新增加储蓄极端困难。

穆迪分析(Moody’s Analytics)经济学家-赞迪(Mark Zandi)说,密西根大学的结果,同其它数据一致,都显示:大批美国中,低收入家庭有负资产。

中,高收入和高收入家庭财产更为稳健。他说,他们还清账单,没有困难。

密西根大学报告,要点显示:

— 大批美国家庭担心抵押贷款麻烦。2011年的调查显示:大约1.7%的家庭说,很可能,或有可能,在不久的将来,难以按时还款;

在2009年危机高峰期,持那种说法的家庭,为1.9%。这一方面,没有太大改善。斯塔福德说,2012年和2013年,抵押贷款仍然可能出现麻烦。

— 房屋市场出现某些乐观情绪。大约4.6%的家庭说,他们在今后12个月,可能难以按时归还抵押贷款,这比2009年的6%,有相当大的改善。

— 许多屋主,在房市危机之中,变成租户。2009年,逾期还款的屋主当中,19.3%在2011年变成租户。

在2009年,按期还款的屋主当中,只有6.5%,到2011年,变成租户。

— 依靠动用储蓄还账单的家庭的退休资产,难以重建。没有储蓄和其它流动资产的家庭,从2009年的18.5%,上升到2011年的23%。

— 信用卡债务,可能变成巨大负担。大约10%的家庭,在2011年,信用卡和其它无抵押债务,在3万美元以上,超过2009年的8.5%。

The net assets of approximately 20% of households in the United States is negative, the time :2012-05. The United States, these days, maybe people in the U.S., everywhere you can see: to help quickly resolve debt Ads – credit card debt, student loans or medical bills, it is because: too many people deep in debt.

USA Today reported that the latest report of the University of Michigan, said about one fifth of U.S. households owe credit card debt, medical bills, student loans, no collateral debt, more than their savings, checking accounts, or other liquid assets.

University of Michigan Institute for Social Research economist, author of the report – Staffordshire (Frank Stafford), some families are difficult to achieve substantive progress.

Average level of savings has increased since 2008.

University of Michigan study shows that between 2009 and 2011, the financial liquidity does not improve, savings and other assets of more than $ 50,000 households, exceptions. On the other hand, many families can save more, it is for fear to do that.

Staffordshire, said the study did not specify how – those families accumulate savings. He estimated that: they are to cut expenses, sell risky assets, more funds into a savings account.

The same time, subjected to adjustable rate mortgage to combat serious housing value decline and loss of work, to increase savings is extremely difficult.

Moody’s analysis of the results of the University of Michigan, consistent with other data, are: a large number of United States, low-income households have negative equity (Moody’s Analytics,) economists – Zandi, Mark Zandi.

More robust, high-income and high-income families and property. He said they pay off the bills, there is no difficulty.

University of Michigan report, the main point:

– A large number of American families worry that mortgage troubles. The 2011 survey shows that: about 1.7% of families said that is likely or possible in the near future, it is difficult to repay on time;

Peak of the crisis in 2009, holding that statement of the family, was 1.9%. This regard, there is not much improved. Staffordshire, 2012 and 2013, the mortgage may still be trouble.

– The housing market some optimism. About 4.6% of households in the next 12 months, they may be difficult to return them on time mortgage, more than 6 percent in 2009, there is a big improvement.

– Many homeowners, the housing market crisis, become tenants. 2009, which the owner of overdue repayments, 19.3% in 2011 to become tenants.

In 2009, homeowners repayment schedule, only 6.5% to 2011, to become tenants.

– Rely on the use of savings also bill the family retirement assets, it is difficult to rebuild. Savings and other current assets of families, from 18.5 percent in 2009, rising to 23 percent in 2011.

– Credit card debt, it may become a huge burden. About 10% of households in 2011, credit card and other unsecured debt, more than $ 30,000, more than 8.5% in 2009.

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  1. 中国第三, 上海有14万位千万富豪 (2012-05-14)

    胡润研究院与第三方财富管理机构-高傅财富,日前联合发布的“高傅2012。‘胡润上海财富白皮书”资料显示,上海地区,千万 (人民币,以下同)富豪,达到14万人,亿万富豪有8200人。上海地区,千万和亿万富豪人群,分别占中国总数13.7%,和12.9% ,在中国大陆,排名第三。

      上海是仅次于北京、深圳,三大富豪喜欢居住的城市。

      依上海常住人口2300万人计算,上海平均每165人中,就有一名千万富豪;约每3000人中,就有一名亿万富豪。

      资料显示,上海亿万富豪,主要分为3类:“企业主”、“炒房者”和“职业股民”。“企业主”的比例,占总人数的75%,企业占其所有资产的75%;“炒房者”的比重,占15%,房产投资占他们总投资的65%左右;“职业股民”的比重为10%,可投资资产,占其所有资产的,将近80%,包括,股票、现金和其他投资。

      千万富豪主要分为4种类型,除了和亿万富豪相同的3类人群外,还增加了“金领”人群。上海金领的比例,高于中国大陆平均水准。上榜的“金领”,包括大型企业集团、跨国公司的高层管理人员,这部分人,在千万富豪中,占15%,房产资产占他们总资产的75%左右。

      从地区来看,浦东新区是拥有上海富豪居住最多的区域,有21位;其次是长宁区的,14位,长宁区同时,是浦西拥有居住上海富豪最多的区域;排在第三的,是黄浦区,有13位。

    China, Shanghai has 140,000 millionaires (2012-05-14)

    Hoogewerf Institute of third-party wealth management institutions – Fu wealth, have jointly issued the “high-Fu 2012 ‘Report Fortune White Paper” information display, Shanghai, million (RMB, same below) Divesto 14 million billionaires 8200. Shanghai area, do and billionaires population, accounted for 13.7% of the total number of Chinese and 12.9% in mainland China, ranked third.

    Shanghai is second only to Beijing, Shenzhen, threerich prefer to live in cities.

    Calculated according to the Shanghai resident population of 23 million,an average of every 165 people, there is a ten million rich;about 3,000 people, there is a billionaire.

    Statistics show that Shanghai billionaire,is divided into three categories: “business owners”, “real estate” and “professional investors”. Proportion of business owners, accounting for 75% of the total number, 75 percent ofthe enterprises accounted for all assets; theproportion of “real estate”, accounting for 15%, real estate investment accounted for about 65 percent of their total investment; “professional investors” accounted for 10% ofinvestable assets, accounting for all assets, nearly 80 percent, including stock, cash and other investments.

    Millionaires is mainly divided into four types, inaddition to the same billionaire 3 kinds of people, but also increase the “gold collar”crowd. Shanghai Jinling ratio, higher than the average of the Chinese mainland. “Jinling” list, including large enterprise groups, multinational companies senior management people, millionaires, accounting for 15% of real estate assets account for about 75 percent of their total assets.

    From a regional perspective, thePudong New Area, is owned Shanghai Regal live up to the area, 21; followed by Changning District, 14, Changning District, atthe same time, Puxi has to live Regal Shanghai regional; came in third, Huangpu District, 13.

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    Having taught only a couple of students before,I cannot boast of my experience. However,I find that I connect very well with the few students I have taught.I tend to go for a more “friend” relationship with my students.I like my student to be able to relax during class and feel at home.This,I find helping them think clearer as opposed to a high stress atmosphere.Now this does not mean I’m not serious about my work,I take teaching very seriously,sometimes even staying up very late planning lessons.

    I am both fluent in Chinese and English.I am experienced in giving tuition and am willing to provide private tuition since it will be the most time efficient and effective.

    I am fluent in English and have been deeply involved in working with children for the past 3 years in an international school.I am experience in tutoring,mainly in English,and would prefer to give private tutoring as I believe a one-to-one approach is effective in bringing out the best in a student.Besides,I am currently taking up Global business and Economic courses and would be able to provide insightful knowledge to those who are having difficulty in Economics.

    I am currently working as an English teacher in a Kindergarten. I am a 26 year old female from Canada.

    I am from New York City.I have spent the past 8.5 years in Taipei Taiwan teaching at various institutions including:Wall Street Institute,Core and Corner Business English Center,Happy Marian English Center for Children,and Gram Language Center.I have developed a tried-and-true teaching style that encourages students to be outspoken with careful meticulousness and conscientiousness towards accuracy. All of my students have been successful in their ESL pursuits, and have obtained awards recognitions in school, gained entrance into international educational institutions, or attained job promotions! As an events management/film directing major, I bring holistic thinking and creativity into my lessons and create an open envirnment for expansive thoughts. Please feel free to contact me if you would like more information.我姓崔,我来自韩国釜山,大学就读中国语系专业。1997年,进修上海外国语大学韩语课程。从1997年,到现在,我有机会,就去中国城市旅游,观看了很多中国古代的历史遗迹。我的中文能力比较高;英语,会话中级;日语,可进行基本会话。我在北京木槿学校,教过近两年韩语,在江苏,教过三年韩语,现在,在上海一大学,教韩语。如果你对韩语有兴趣,可以联系我。我希望成为韩国语和韩国文化的传播使者,成为韩国中国友谊之桥的一块砖石

    내 이름은 Cui, 난 부산, 한국, 대학 언어 전문가 출신 이구요. 1997 상하이 국제 연구 대학 한국어 과정 연구. 1997 년부터 현재까지, 나는, 중국 도시 투어에 가서 중국어 고대 사적을 많이 볼 수있는 기회가 있습니다.중국어, 영어, 중급 세션, 일본어, 기초 회화. 북경 히비스커스라 학교, 나는 한국을 가르치고, 상해에있는 대학 지금,,, 지난 이년 한국어를 가르쳐 강소성 한국 가르친있다. 당신이 거기에 한국어에 관심이있다면, 나한테 연락할 수 있습니다. 나는 한국과 한국 문화의 확산, 한국 – 중국 우정의 다리 벽돌에게의 메신저되고 싶어요

    I’m a 21 years old Indonesian Students who are currently studying in Nanjing, China.Now,i’m looking for an English-teaching job,i can also teach other language,Indonesian(native).I’m friendly,humble, and working good with childre,so don’t hesitate to contact me.

    My self sushma,basically with indian nationalty.I have done master in Pharmacy from reputed,renowed top pharmacy and management institute.I am interested in teaching english,science,and other equal level subjects.

    I’m currently organising my countries participation at expo 2010 shanghai china.I have free time accordingly.I would prefer if my students can come to my apartment to be taught at their specific times.Sincerely

    Hey guys,I’m from Australia.I am easy to understand,and I can make English fun.I used to be an IELTS examiner.Now i am a freelance teacher look forward to meeting you.

    hi,this is my first time in china looking for teaching work and i am very keen. It is also a great experience for me and for the student i teach.I was born in England and live in Australia, so my English knowledge is very good. I’m looking forward to seeing the culture of china and its people and also exploring shanghai.

    I’m currently teaching english to a chinese, 35 years old guy.. He is satisfied with my teaching so far. I teach him oral, and written english along with dialogues. My chinese is not very good but i can understand chinese. Wana Learn English.. Come to me

    I have over 20 years teaching experience in 7 countries with students of every age and level.Acquiring English is not difficult and is fun with the right methodologies and attitude.

    I have worked with my company for over 1 year now and have a proven track record with my students achieving extremely high grades.I specialise in oral English but can work with you on anything that you wish to improve.

    I am not only going to improve your conversation skills but I will actually correct you when others wouldn’t to maximize your conversation.I can teach you necessary conversation skills,pronunciation (clear north American accent),presentation (I’m a marketer) or anything you may want help with.I look forward to hearing and working with you soon!

    你好! I am an Asian American who grew up in the United States! I can speak Mandarin and am in Shanghai to learn how to read/write Chinese! I absolutely love working with children and young people (I have 6+ years tutoring experience) and I know working together, your English will be GREAT in no time!

    With years of Coaching experience and being the Assistant Coach on the US National Team in Fencing has exposed me to teaching students with various backgrounds, ages, and personalities. Also, being familiar with courses in Childhood Development it opened the door for me to teach children and to better understand their ways of learning. As an graduate from University of Washington, an elite university in USA, I know the value of good education and what it requires to make it to the top. Thus, teaching these concepts is not foreign to me. Being Asian but raised in the US allowed me to understand both cultures and their differences. I believe it provides me with great advantages in teaching a Chinese student.

    Hi!I’m a TESL certified ESL instructor with over 10 years’experience teaching in Korea,Japan and the U.S.I’ve taught all level of students from beginning children, university students preparing to study abroad,to corporate business classes and training.

    I am also interested in working with children through organized sports. I also have significant editing experience.

    In Germany I tutored several business people for GMAT as well as middle school and high school students in English and Mathematics.

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