Events in debt
Most Americans live in debt. Over the last four decades, the debts have become an integral part of the American way of life. According to the Federal Reserve / Federal Reserve, in 2001 the population of the U.S. finished with a $ 1 billion 676.5 million of debt. By May 2002, that figure had risen to $ 1 billion 676.5 million, and in July - $ 1 billion 693.2 million These figures include not only loans for homes, cars, buying shares and the like, but debts accumulated by Credit cards Native American.
Has long been argued that credit cards are used primarily as a deputy of cash, absolving people from the onerous action related to the possession of money in the wallet. For example, the seller and the buyer does not need to re-letting and worry about the theft of money from the wallet or cash. However, as shown by numerous studies, convenience - not the only reason why millions of Americans almost forgotten, as are "live" money. Summarizing the results of these studies, credit cards act as a kind of anesthesia with a purchase.
When a person brought before the physical transfer of money to someone to another, the brain sends the alarms - whether he wants to buy this thing? Can it afford? Vynimaya of the purse money denominations, people are physically going through the act of redistribution of property, after which his money exchanged for goods or services. Psychology purchases dramatically changed when it comes to credit card. This is only a piece of plastic, and all that is required to purchase, the buyer's signature on the purchase receipt. Credit cards are also money. But electronic money, which people did not see.
The brain does not signal the danger and is committed to buying more psychological easily than was the case with "live" money.
Among American buyers of these cards have already received nickname money for shopping centers \ mall money. When the trade center with a firm intention to buy only new shoes, they leave not only with new shoes, but with a new bag, CD-ROM, rackets for tennis, etc. Obayaniyu yielding new things and advertising, people behave like a dragonfly from the Krylov fable that summer sang and danced, not thinking that once winter comes.
But Winter did come, and many Americans are unable to pay the bill, sent the company, which opened its credit. At such a bill exhibited the date and the cost of all purchases by the holder of a credit card for a certain period of time, usually a month. Pay accumulated debt must be within a certain period of time. Failure to do so will have to pay a fine, usually amounting to about $ 30, for the delay. If the debt is not repaid with a penalty, the credit company begins to accrue on the amount of debt, from 9 to 19%.
According to the U.S. Federal Reserve, over 40% of American families spend more money than earn, but the average American earned one dollar to spend $ 1.2 ... The paradox? No debt. Consumer debt in the U.S. exceeds $ 2 trillion in Britain - is approaching 1 trillion pounds. And this is without taking into account the debts of mortgages. Here the situation is even more fun: average American family buys a house on credit, lives in the years 7, and then sells it, paying almost 10% of the loan. And so on ... And no one is not surprised and not nastorazhivaet: in a developed consumer society accustomed to live in debt from the young years. Regular university graduates in the United States already has a "duty of $ 20 thousand. At the same principle exists in the world and this very gallant superpower: if "raskidat" its debt to all residents, it will turn out that each American family to be the world more than $ 70 thousand. The question: whether to live a well-right? Is it worth it to this endeavor?
In the U.S., these silly questions, though not specified. "Chip" that America can still afford to live well. After all, its debts are financed virtually the entire world: Central and any respect for their host country, procuring dollars for its reserves, and aunt Maney, stores its blood hundred bucks in mattresses. If someone lacks the "greens" - the U.S. print more! Still, America has become increasingly difficult to maintain such a lifestyle: time and again have to "throw" of their partners, and with other disobedient - not even fight.
But as neither cool, huge national debt could eventually undermine the credibility of even a superpower. But the case was not only great ambitions USA. Here we present a paradox, a twist of history: those who are (not only in the United States) - are all better, but there are all worse: and on their own feelings, and even on objective criteria. "We have a rich, thicker, but not much happier," - said in its annual report on the state of the planet Worldwatch Institute. A growing number of people suffering from obesity, fatigue and nervous disorders, the accumulation of debts, the constant race for new products and as a result of growth in production, environmental degradation - all of this, according to the Worldwatch Institute, is not performance enhancing, and reduced quality of life.
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