 鲜花( 36)  鸡蛋( 0)
|
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。
# G2 ]! b* N% d) X0 Q9 S: J7 c; I9 @0 D$ o1 }. s5 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。
3 `- y4 ~" {! @, H' s) |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。
5 d" E. z6 Y s5 j2 q# l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。
; |% N' F y5 r- p0 P2 _& i6 G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。1 W0 z6 }1 Z! h" [
Majority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.
1 f7 r* B3 @9 b; _6 ?; CTORONTO, 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.
- ` [0 M0 F) ]& B2 ^% v, K) gAccording 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 o9 f% ^; F( w' e"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. 0 E. Y0 j( }! t0 L* Q7 q
Financial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.). 5 i2 Y1 Y, R7 y' d% o* [
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.
) X/ e- x. V' X7 X; `; j5 M; KThe 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%. 5 R5 [2 S/ q' 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.
$ P9 W5 x0 @) U% EAbout 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.
' U7 d; U% R" nThose 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. " I' l1 w& d8 b" D
A majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities.
) a. ^1 G9 `, h. n7 ROf all regions, Quebecers would be more likely to use some of their lottery winnings to have a party (7%) than people living elsewhere in Canada (3%). Maritimers would be more likely to share their lottery winnings with family members (37%) than would the rest of the country (26%).
; [' c& l0 Y$ Q6 k7 e* a9 h6 sCash 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%). |
|
狗仔卡
发表于 2009-9-14 12:51
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
