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最新调查显示,如果工资支票迟到一周,将有近60%加拿大人无法支付账单。
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% H0 e5 r& y1 A/ b/ Y加拿大工资管理协会(Canadian Payroll Association)调查发现,大多数加拿大人不仅手头拮据,而且基本无力为退休储蓄。若工资迟发,约59%加拿大人无法支付账单。
4 U* g2 l; a5 k( ~9 H年轻上班族们尤其捉襟见肘。如果工资迟发,18至34岁的年轻人中有4 5%难以或很难维持生活。72%单身父母们表示工资迟发会导致他们无法支付账单。尽管理财规划师建议人们预留三个月的房租、食品和水电等应急费用,但显然加拿大人们没有遵照这一点。 ' p0 l2 R! P! ^& Y
调查还发现50%加拿大上班族们无法拿出5%的净收入做退休储蓄。工资管理协会的主席兼CEO库哈尼(Patrick Culhane)说,由于近期股市的动荡,为退休储蓄就更难了。
+ f9 t% R( p. S; {& i约52%加拿大人认为若想退休生活舒适安逸,需要75万到300万元的资金。然而,约1/3表示努力比去年拿出更多钱来储蓄,但无法做到。另有42%表示无法拿出更多钱来储蓄。7 S6 i' G# G$ I3 L8 d' Z8 \
Majority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.. ?+ G6 t ^7 G; q
TORONTO, Sept. 14 /CNW/ - Results from a new nationwide survey show that a majority of working Canadians are cash-strapped and have little ability to put money away for their retirement.
2 g$ D$ }4 M$ tAccording to the 2009 National Payroll Week Employee Survey, conducted by the Canadian Payroll Association (CPA) and released today, 59% of Canadian employees report they would have trouble making ends meet if their paycheque was delayed by even one week. 3 T: w1 w4 f2 I6 Q
"We were shocked by that number. So many Canadians are now living so close to the line that if they miss a single paycheque, the majority will find themselves in financial difficulty," says Janice MacLellan, Chairman of the CPA.
! u% z/ b5 D& ^Financial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.).
7 n/ b. z! p: t( _5 ~" P: p0 }By age group, the younger workforce is feeling the greatest pinch, with 45% of those aged 18-34 saying it would be difficult or very difficult for them to meet their current financial obligations if a paycheque were delayed, and a further 21% stating that it would be somewhat difficult. By household, the situation is most precarious for single parents, with 72% saying they would have some trouble making ends meet if their pay were delayed. 4 }: r9 x5 m, W5 V( o& C
The survey also found that 50% of Canadian workers are unable to save more than 5% of their net pay for retirement. Financial experts generally recommend a retirement savings rate of about 10%.
4 M+ d# z$ n( y; q( S/ G"Canadians are living paycheque to paycheque, and there's precious little left that they can put away for retirement," notes Patrick Culhane, CPA's President and CEO. 6 S& Z% |: O0 J6 q/ \0 W8 o' q& @- T
About one-third of Canadian workers say they have been trying to save more money than a year ago because of the economic uncertainty but have been unable to do so. Another 42% say they aren't even attempting to save additional funds. Yet, the majority (52%) feels they'll need between $750,000 and $3 million to live comfortably in retirement.
8 K9 I9 I# T7 H( \Those finding it most difficult to put money aside are single parents, with 65% saying they're saving only 5% or less of their net pay.
) {* @) g7 l& F9 ^ @: FA majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities. 5 B# L; `3 V2 D; u. ?
Of all regions, Quebecers would be more likely to use some of their lottery winnings to have a party (7%) than people living elsewhere in Canada (3%). Maritimers would be more likely to share their lottery winnings with family members (37%) than would the rest of the country (26%).
" J+ T- n' p7 U. B; u5 GCash is king for Canadians when it comes to remuneration. A whopping 65% of those who responded said it's more important that they receive higher wages from their employer, compared to better health benefits (25%), and education funding (10%). |
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