俄对美英德法波乌等战争之Bakhmut之战末，和然后，和中国，和宇宙，和其她

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

$51,000 per capita





https://www.foxbusiness.com/economy/hou ... -americans
Household debt hit record $17T last quarter as inflation squeezes Americans
Credit card debt hovers near record high in first quarter, bucking typical trend

Americans racked up more debt at the beginning of 2023 – and a growing number of households fell behind on payments for several types of loans, according to a New York Federal Reserve report published Monday.

In the first three months of 2023, total household debt surged to a fresh record of $17.05 million, an increase of $148 billion, or 0.9% from the previous quarter. Balances are now $2.9 trillion higher than they were at the end of 2019, before the COVID-19 pandemic began.

Debt largely grew across the board.

Mortgage balances jumped by $121 billion to $12.04 trillion at the end of March, even as mortgage originations plummeted to the lowest level since 2014. Auto loan balances, meanwhile, rose by $10 billion in the first quarter – bucking the typical trend of balance declines in first quarters. Student loan debt also posted a modest increase, rising to $1.6 trillion.

Credit card balances were the only form of debt that did not increase at the start of the year. Balances remained unchanged at $986 billion – the highest level on record – in the period from January to March, which is typically a time when consumers rein in spending after the holiday season and pay down debt.

For instance, over the past 10 years, credit card balances typically drop by 3% in the first quarter, according to the Fed, suggesting that high inflation is continuing to burden households financially.

"This is the first time in more than 20 years that we've seen a first-quarter increase," New York Fed researchers said during a call with reporters. "And I think that's something that's worth flagging here that we're still seeing. I think that credit card balances are really looking a little unusual right now."

The rise in credit card usage and debt is particularly concerning because interest rates are astronomically high right now. The average credit card annual percentage rate, or APR, hit a new record of 20.33% last week, according to a Bankrate database that goes back to 1985. The previous record was 19% in July 1991.

If people are carrying debt to compensate for steeper prices, they could end up paying more for items in the long run. For instance, if you owe $5,000 in debt – which the average American does – current APR levels would mean it would take about 277 months and $7,723 in interest to pay off the debt making the minimum payments.

"It's been a really rough year for credit card holders," Matt Schulz, the chief LendingTree credit analyst, told FOX Business. "Even though the Fed seems to be taking their foot off the gas with interest rates, the unfortunate reality is credit card holders shouldn’t expect things to get a ton better anytime terribly soon, just because interest rates aren’t going down anytime soon."

While delinquency rates remain relatively small, there was an uptick in borrowers who are struggling with credit card and auto loan payments. As of March, about 2.6% of outstanding debt was in some stage of delinquency, up slightly from the 2.5% recorded the previous quarter. That remains 2.1 percentage points lower than the pre-pandemic level.

But the fact that there is any semblance of delinquency rates rising during such a strong labor market is concerning. If the unemployment rate begins to rise – which many economists expect due to the aggressive monetary policy tightening underway by the U.S. central bank – that could be worrisome for consumer debt and delinquency levels.

But the fact that there is any semblance of delinquency rates rising during such a strong labor market is concerning. If the unemployment rate begins to rise – which many economists expect due to the aggressive monetary policy tightening underway by the U.S. central bank – that could be worrisome for consumer debt and delinquency levels.

The rise in balances comes in the midst of the Federal Reserve's aggressive interest rate-hike campaign as it tries to crush stubborn inflation and cool the economy.

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

he was without acrophobia

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

[meiyoumajia]

i read that it is a uk-france co-product

[meiyoumajia]

[TheMatrix]

你的主题可以考虑发到史版去。

[meiyoumajia]

你的主题可以考虑发到史版去。

嗯

我很理解你在这个版多次发出过的这种号召

菌斑是最烂的几个板块之一。基本上就是个灌水打架的地方。我只是偶尔进几个题目闹一闹，让自己低下或者跟着变得更低下

历史版是这个网站最好的几个区块之一。你喜欢去的stem也是，那里的人质量较高更有潜质，有思路特别清晰和水平让人得益的人。其实我还是想要在好版受益，但我更想看当今和（尤其）未来。我会去历史版发点信息，会多少与现代有关。比如比较科学的古今人之间的联系，新发现，尤其分子考古方面的新发现。

不过，我这个主题是以乌战为主，还夹杂着所有其它方面的现今发展中的情况报道

总的来说，我在这个网站将会出现更少。最近几年，我做2个项目。1个市场对美，1个市场对中，但最近几年的情况和国内老人的情况让我完全转到了后者。昨天（母亲节），我跟老婆长谈了1个新想法，需要（有特别强的做系统软件的能力和经验，还有另外一个方面的较强能力和经验的）她积极参与才可在几年之内把系统软件做出。她特别感兴趣，让我写出框架和计划。可以说会是20年来第一次合作（夫妻很难合作做技术项目，争论起来会更不客气/没有耐心---当学生的时候我和她在她的系合作时双方感觉都不是特别爽；-）！因此，我会更忙起来，而且可能会为了前面那个项目和双方老人而花更多时间在国内。并且我之前还有另外1个2年多一直也在想做的想法（可能几年内没有时间做，需要与不少人一起做）。回国生活的时间里肯定会特别忙。

看这个主题的人不多（我在另外一个主题里说过：不让太多人进来本来就是我的1大想法）。内容比较全面、很泛但又比较乱。能比较平和看下去的人是很能够思考有潜质而且经过考验过的人才，都可以更相信自己的想法去试探如何开发出自己更大的空间甚至产品。；=）

[meiyoumajia]

好吧