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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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/ ~1 i* A; X# Q" C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。 1 b: Q$ M3 A* z7 j
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。
1 H, a$ m) ~* x6 {6 R4 I& `7 c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。 7 |2 V+ B$ b7 [; J
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。 W4 A6 [0 W7 ^. G6 G
Majority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.
9 Y1 v$ v, k7 ~. iTORONTO, 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 h6 j! `6 m1 k" ?# C1 U5 W# y" {
According 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. 2 m9 m; \/ @; y! B) |* L' u4 I
"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 B6 G; ?; T' R1 }+ aFinancial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.).
: O/ X8 G6 P9 ^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.
) n1 K8 R- D4 u4 x, Y, Y5 @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%.
+ C, O, o: ~# @) B' f"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.
' l" Q) C) c9 j' v9 y3 LAbout 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. ( Z7 E7 D0 I& J
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.
+ ~" h. V. U: n9 LA majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities. # R5 p- R+ r: u, _4 l) f
Of all regions, Quebecers would be more likely to use some of their lottery winnings to have a party (7%) than people living elsewhere in Canada (3%). Maritimers would be more likely to share their lottery winnings with family members (37%) than would the rest of the country (26%). * @ [9 y9 T2 Q$ k' g5 Y. n: p/ \1 g
Cash 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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