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穷人的钱也很好赚 2012-07-29 15:05:21

穷人的钱也很好赚

 

在美国,穷人的钱也很好赚,这可能是很多人难以相信的事实。穷人原本就钱少。很多人过着吃了上顿儿没下顿儿的日子,很多时候,早一两天拿到薪水,对于不少人,也是那么的至关重要,于是乎,有些人就在这些亟不可待的等着钱用的人身上,打起了圈钱的注意,结果还非常之好。

在美国,平均下来,大约每二十个人中,就有一个人喜欢用下一张薪水支票作为抵押,来借高利贷。这样的借贷行为,对于中国人,对于多数的华裔来说,实在是无法理解的事实。

在俄克拉荷马州,做这样生意的店就有409家,其数量比该州的麦当劳和沃尔玛的数量加总还要多!在这个相对比较贫穷的州,多达13%的人使用这样的服务,结果是饮鸩止渴,形成恶性循环。

这里带出一个问题:穷人到底是因为自己的命运差,还是因为自己在糟蹋自己,作践自己,才让自己在贫穷的人生中循环过日子?!

初看起来,用自己不久之后就可以兑现的薪水做抵押借贷,付出的代价好像不是很大,但是,如果按照比例计算,再推算到年度的话,有些借贷的利息代价,居然高达680%

也就是说,你年初借一块钱,你所付出的代价,相当于在年底时还了6.8美元。这样巨大的代价,对于任何人都是难以承受的。这也从一个侧面说明,有些穷人,还真的是必须继续贫穷,因为,按照这种活法,即使是神仙,即使是富可敌国,待以时日,你也不得不贫穷和垮掉。

虽然美国政府一次次的通过法律来缓解这些穷人的处境,但是,如果他们自己不做必须和必要的短期牺牲,为了自己长期的经济利益,如果他们不自己去解救自己,即使政府再在乎,结果看来也是不可能好到哪里去。

看来,对于有些穷人命运的解救,最重要的,恐怕还是得从对他们头脑的开导上着手。

美国人和人之间,喜欢和习惯于独立处理自己的经济问题,有问题自己想办法去解决,不会去麻烦亲朋好友,这很可能也是导致又这样的结局的原因之一。不像在中国国内,当一个人有经济上的困难的时候,他第一个想到的,就是向自己的家人和朋友求助,结果,导致很多家庭和朋友,因为自己亲朋的经济困境,而不得不遭受经济上的损失。

看来,不同国度人与人之间关系的不同,对于大家的经济格局,还是有着很大的差别的。到底哪个更好,哪个更坏呢?

 

 

Nine States Where Lenders Take Your Paycheck

July 27, 2012 by 247wallst

 

Payday loans — small, short-term loans secured against a customer’s next paycheck — are highly controversial. A new study from Pew Charitable Trusts explains that opponents believe the practice “preys” on people who, because of the high interest rates and other fees, struggle for months to repay loans promoted as lasting a few weeks. Proponents of the practice claim it provides fast relief for “underserved people.” According to the Pew study, roughly 5.5% of Americans borrowed against their paychecks between 2005 and 2010.

The prevalence of payday loans and legislation regulating them vary from state to state. Several states prohibit payday loan storefronts altogether, suggesting that the loans take advantage of low-income borrowers. However, the practice either is tolerated with restrictions or is relatively unregulated in most of the country. In several states, more than 10% of adults reported taking out a payday loan at least once in the last five-years. Based on the Pew report, 24/7 Wall St. identified the nine states where the highest percentage of residents had taken out payday loans.

Pew identified three categories of payday loan regulation. “Restrictive” states either outlaw payday loans altogether or legislate a low maximum interest rate that makes the business unattractive for lenders. States that allow the practice but have strict regulations on at least one aspect of it — be it the rate, term or amount of loans allowed — are “hybrid” states. Those states that have fewer restrictions and allow charges of 15% or more of the borrowed principal are “permissive.”

According to Pew, the results of effective regulation are significant. “In states that enact strong legal protections, the result is a large net decrease in payday loan usage,” the report found. In the states labeled as restrictive, usage of payday loans is 75% lower than in permissive states. 24/7 Wall St. found that the states with the highest percentage of residents who reported using payday loans were overwhelmingly permissive states.

In the country, 28 states are permissive, eight are hybrid and 15 are restrictive. However, of the nine states on our list with the highest rates of payday lending, eight are permissive, while only one, Washington state, is a hybrid.

One aspect of a payday loan that states tend to regulate is its term. At the end of a term, the borrower is typically required to repay the loan. In many states, the lending period can be as little as seven days, which often leads to borrowers being unable to meet the payment. This forces many borrowers to either pay a fee to extend the loan or pay off the loan and immediately take out a new one. It is also why the average loan period is five months, according to Pew.

“The reason why payday loans end up having very high costs is not because of a long duration. It’s because they generally have a short duration, and the borrower keeps reborrowing,” Alex Horowitz, research manager for the Pew State Small Dollar Loan Research Project, told 24/7 Wall St. Five months of debt is particularly expensive because borrowers regularly take out up to eight separate loans in order to roll over or renew the original debt.

24/7 Wall St. also reviewed the number of payday lending storefronts in each state. While not always the case, states with higher percentages of the population reporting use of payday lending also had more storefronts available per 10,000 households. Horowitz explained that “people that live in a state that has storefronts — meaning a permissive or a hybrid state — are 169% more likely [to use payday loans] than someone living in a restrictive state.” As an example, in “restrictive states we see about 2.9% usage, and we see over 6% in hybrid and permissive states.”

According to Pew’s report, certain groups are more likely to take out these loans. Those who are divorced or separated are more likely to use payday loans than those in any other relationship status. A much higher percentage of people with less than a college degree engaged in payday borrowing than those with a college degree or greater. The strongest indicator was income. Those who earned less than $40,000 annually were nearly three times more likely to use payday loans than those who earned more.

A review of the nine states on our list — those with the highest rates of payday loan usage — shows that many of these states also have larger proportions of the groups Pew identified as more likely to use a payday lender. Six of the nine states have among the 10 lowest proportions of their population with a college degree. Five of the nine are among the 10 states with the lowest median income, and only one state is in the top third for median household income.

24/7 Wall St. reviewed the findings of the Pew Charitable Trust’s Safe Small Dollar Loan Research Project, “Who Borrows, Where They Borrow, and Why?” The report surveyed Americans in 2010 to determine the percentage of state residents that had taken out payday loans in the past five years. It also conducted phone interviews with thousands of individuals who reported they had taken out the loans in order to identify the reasons for their use, as well as the borrowers’ experience with them.

Pew also included state regulation governing payday lending based on a report by the National Conference of Legislators, including limits on length of term, size or interest rates on the loan, and any limits on fees. In addition to data provided by Pew, 24/7 Wall St. examined unemployment rates for 2010 from the Bureau of Labor Statistics and income, family type and education attainment (all for 2010) from the U.S. Census Bureau. 24/7 relied on the Center for Responsible Lending for a variety of information on payday loan policies within each state, as well as the number of payday lending storefronts by state.

These are the nine states with the most payday lending.

9) Texas 
> Payday loan usage rate: 8%
> Number of payday lending storefronts: 1,800
> Pct. below poverty line: 17.9%
> Median income: $48,615

Like several states that Pew classifies as permissive, payday loans in Texas have a minimum term of seven days — a relatively short period. Without regulation that permits repayment in installments, the loan can be due in full quickly. As a result, the borrower may be unable to pay back the loan, creating a cycle of further debt. The public interest group Texas Appleseed advocates for greater regulation for payday and small-dollar loans. The group argues that “when these high-cost loans compound borrowers’ economic distress, whole communities are impacted.” According to the most recent U.S. Census data, close to 18% of families in Texas live below the poverty level — the fifth-highest percentage of the 32 states studied — making them more susceptible to predatory lending practices by payday lenders.

8) Kentucky 
> Payday loan usage rate: 8%
> Number of payday lending storefronts: 781
> Pct. below poverty line: 19%
> Median income: $40,062

Kentucky attempts to regulate payday loans by limiting the number of loans an individual lender can extend to a customer. Borrowers cannot receive more than two payday loans at the same time from the same lender that together exceed $500. However, information from an electronic database of payday lenders shows that it is failing to adequately protect consumers, according to an editorial in the Lexington Herald-Leader. Despite this, Kentucky’s legislature rejected a bill to cap payday loan interest rates at 36% last year. According to Jason Bailey, Director of the Kentucky Center for Economic Policy, payday lending is a destructive force. In an interview with 24/7 Wall St., he explained that the industry relies on repeat borrowers, and it hurts the ability of families to build assets or become self-sufficient. Among all states for which payday loan usage data are available, Kentucky has the highest percentage of families living below the poverty line, at 19%.

7) Kansas 
> Payday loan usage rate: 8%
> Number of payday lending storefronts: 413
> Pct. below poverty line: 13.6%
> Median income: $48,257

Payday lending is a big business in Kansas. More than 1 million payday loans were made to Kansas consumers, totaling $432.7 million in 2010, according to an analysis of financial institutions performed by Kansas Legislative Research Department. It is also a growing business. In 1995, only 36 locations offered payday loans. The Center for Responsible Lending counted more than 400 payday lending storefronts in Kansas, and they earned $64.2 million per year in loan fees in 2010.

6) Indiana
> Payday loan usage rate: 9%
> Number of payday lending storefronts: 456
> Pct. below poverty line: 15.3%
> Median income: $44,613

Indiana prohibits payday loans of more than $550. The state also requires that lenders limit finance charges on larger loans, so that lenders can only charge up to 15% on the first $250 of a loan, up to 13% on amounts between $250 and $400, and up to 10% on amounts more than $400. Despite these caps, the interest rates remain staggering. According to Pew, fee caps of just 10% of the principal are sufficient to generate an annual percentage rate well in excess of 100%. People without a college degree in the U.S. are 82% more likely to use a payday loan. As of 2010, just 22.7% of Indiana residents had a bachelor’s degree. This was the third-lowest rate among all states for which Pew provided survey results.

5) Louisiana 
> Payday loan usage rate: 10%
> Number of payday lending storefronts: 2,059
> Pct. below poverty line: 18.7%
> Median income: $42,505

Louisiana laws allow lenders to charge up to 567% annual percentage rate (APR) for a two-week $100 payday loan, according to the Center for Responsible Lending. Tim Mathis, policy analyst for the Louisiana Budget Project, explained to 24/7 Wall St. that payday lending undermines many otherwise successful antipoverty programs in Louisiana because most borrowers do not understand the true cost of their loans and use the loans for recurring expenses rather than one-time uses. Among all states for which payday loan data was available, Louisiana had the third-highest percentage of families living below the poverty line, at 18.7%, and of households earning less than $35,000 a year, at 33.3%.

4) Ohio 
> Payday loan usage rate: 10%
> Number of payday lending storefronts: n/a
> Pct. below poverty line: 15.8%
> Median income: $45,090

In 2008, the state cut the maximum interest rate payday lenders can charge from 391% to 28%. Despite the law, payday lenders found loopholes, and in 2009 the New York Times reported that lenders were charging interest and fees that together amounted to 680% APR. While the Ohio House passed a bill seeking to close loopholes left open by the 2008 law, the bipartisan effort never made it through the Senate. The courts have now taken up the issue. Last year, an Ohio state judge ruled that a second-mortgage lender using a similar fee structure as payday lenders to charge an effective 235% APR had violated the 2008 law that placed a 28% cap on payday loans.

3) Washington 
> Payday loan usage rate: 11%
> Number of payday lending storefronts: 729
> Pct. below poverty line: 13.4%
> Median income: $55,631

Washington is tied with Missouri for the second-highest payday loan usage rate, and it is the only state on our list with “hybrid” regulation. Pew classifies Washington as hybrid because borrowers in the state cannot take out more than eight payday loans per year — a form of protection for consumers. WashPIRG, the Washington state Public Interest and Research Group, calls for restricting or regulating payday loans and other short-term small payment loans — when APRs can reach as high as 391% for a two-week $100 loan in the state. According to the Statewide Poverty Action Network, since enacting a law to protect Washington consumers from excessive payday loan charges in 2010, borrowers have saved more than $122 million in fees.

2) Missouri 
> Payday loan usage rate:11%
> Number of payday lending storefronts: 1,275
> Pct. below poverty line: 15.3%
> Median income: $44,301

The state of Missouri prohibits payday loans above $500 and requires loans to have a minimum term of 14 days and a maximum of 31 days. The state also prohibits lenders from charging a total of more than 75% of the principle in interest and fees on any loan. However, these policies do not protect Missourians who take out payday loans, which can legally be accompanied by an APR as high as 1,955% for a two-week $100 loan, according to the Center for Responsible Lending. Much of the industry’s profits in Missouri, 90% according to Communities Creating Opportunities (CCO), are derived from borrowers who are consistently paying off past debts to avoid default. According to Molly Fleming-Pierre, Policy Director at CCO, after Joplin, Mo., was ravaged by a tornado, payday lenders were among the fastest to arrive at the scene.

1) Oklahoma 
> Payday loan usage rate: 13%
> Number of payday lending storefronts: 409
> Pct. below poverty line: 16.9%
> Median income: $42,072

Oklahoma has the highest percentage of residents who have used payday loans in the past five years, according to the Pew Study. Kate Richey, a policy analyst at the Oklahoma Policy Institute, says there are more payday lending storefronts in Oklahoma than the “number of Walmarts, McDonalds, and Quicktrips combined.” In the state, a lender is prohibited from issuing a loan to a borrower with more than two outstanding payday loans. In an interview with 24/7 Wall St., Richey explained that these regulations were intended to protect low- and middle-income households that are targeted by payday lenders who rely on “loan churning” for business as they encourage consumers to take out loans for each of their paychecks.

Michael B. Sauter, Alexander E. M. Hess and Lisa Nelson

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作者:fangemin 留言时间:2012-08-15 21:11:50
这跟一般美国人四则运算极差有关系,他们根本弄不清哪里不合算,而中国的底层人民锱铢必较的陋习,也跟他们会算锱铢之差有关系。
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· 理解高盛欺诈,请先读读《危机与
【地产淘金】
· 炒房案例之一:南京
· 外资新设房企数大增 千亿美元购
· 该是投资银行股的时候了吗?
· 中国楼市观察(1)
· 地产淘金的最佳时机到了吗?
· 房价突然跌一半,穷人更惨
· 买房、租房与靠房市发财
【我的中国】
· 中国,可以说不吗?
· 中国应该以老大的身份应对俄罗斯
· 那些脑残的中国人,无救
· 乌克兰的死结与台湾的生存
· 女人拥有尊严,任重道远
· 彭丽媛女士,是你站出来的时候
· 谷爱凌创造的多赢与割韭菜
· 贸易战,中国的出路何在
· 贸易战,中国真的输掉了
· 中国学术精英之奇葩
【我的书架】
· 今年诺奖得主的代表作《逃离》全
· 《乔布斯的商战》(目录)
· 《乔布斯的商战》出版,感谢读者
· 张五常:人民币在国际上升值会提
· 《博弈华尔街》,让你再一次感悟
· 《危机与败局》目录
· 《危机与败局》出版发行
· 下雪的早晨 (艾青)
· 《奥巴马智取白宫》被选参加法兰
· 下架文章
【《战神林彪传》】
· 《战神林彪传》第二章 (2)
· 《战神林彪传》第二章(1)
· 《战神林彪传》第一章(5)
· 《战神林彪传》第一章(4)
· 《战神林彪传》第一章(3)
· 《战神林彪传》第一章(2)
· 《战神林彪传》第一章(1)
【《犹太经商天才》】
· 《犹太经商天才》: 2.生不逢时
· 第一章:苦命的孩子(1)
【阿里巴巴与雅虎之战】
· 福布斯:马云和他的敌人们
· 阿里巴巴与雅虎之战(2)
· 阿里巴巴与雅虎之战(1)
【《哈佛小子林书豪》】
· 从林书豪身上学到的人生十课之一
· 《哈佛小子林书豪》之二
· 《哈佛小子林书豪》之一
【华裔的战歌】
· 中国不应对骆家辉抱太大的幻想
· 华裔政界之星——刘云平(2)
· 华裔政界之星——刘云平(1)
· 心安则身安,归不归的迷思
· 华裔的战歌(5):谁造就了"
· 华裔的战歌(4):关注社会与被
· 华裔的战歌(3):“全A”情结与失
· 华裔的战歌(2):犹太裔比我们
· 华裔的战歌(1) 华裔在美生存现状
【国美大战】
· 企业版的茉莉花革命与公司政治
· 国美之战,不得不吸取的十条教训
· 谁来拯救国美品牌
· 国美股权之争:两个男人的战争
· 现在是投资国美的最佳时机吗?
· “刺客”邹晓春起底
· 邹晓春:已经做好最坏的打算
· 愚昧的陈晓与窃笑的贝恩
· 贝恩资本的真面目(附图片)
· 陈晓为什么“勾结”贝恩资本
【《乔布斯的故事》】
· 苹果消息跟踪:如果苹果进入电视
· 乔布斯故事之十四:嬉皮士
· 乔布斯的故事之十三 犹太商人
· 乔布斯的故事之十二:禅心
· 乔布斯的故事之十一:精神导师
· 乔布斯故事之十:大学选择
· 乔布斯的故事之九:个性的形成
· 乔布斯的故事之八:吸食大麻
· 乔布斯的故事之七:胆大妄为
· 乔布斯的故事之六:贪玩的孩子
【中国美容业】
· 国内日化品牌屡被收购 浙江本土
· 外资日化品牌再下一城 丁家宜外
· 强生收购大宝 并购价刷新中国日
· 从两千元到一百亿的寻梦之路
【加盟店经营】
· 转载:太平洋百货撤出北京市场
· Franchise Laws Protect Investo
· Groupon拒绝谷歌收购内幕
· GNC 到底值多少钱?
· 杨国安对话苏宁孙为民:看不见的
· 张近东:苏宁帝国征战史
· 连锁加盟店成功经营的四大要素
· 加盟店经营管理的五大核心问题
· 高盛抢占新地盘 10月将入股中国
【《解读日本》】
· 东京人不是冷静 是麻木冷漠!
· 日本灾难给投资者带来怎样的机会
· 日本地震灾难对世界经济格局的影
· 美国对日本到底信任几何?
· 大地震带来日元大升值的秘密
· 日本原来如此不堪一击
· 灾难面前的日本人民(3)
· 灾难面前的日本人民(2)
· 灾难面前的日本人民(1)
【《乔布斯的商战》】
· 苹果给你上的一堂价值投资课
· 纪念硅谷之父诺伊斯八十四岁诞辰
· 乔布斯的商战(6): 小富靠勤、中
· 乔布斯的商战(5): 搏击命运,机
· 乔布斯的商战(4):从巨富到赤
· 乔布斯的商战(1):偶然与必然
· 让成功追随梦想:悼念乔布斯
【《鹞鹰》(谍战小说,原创)】
· 《鹞鹰》(谍战小说,原创)
【盛世危言】
· 美国长期信用等级下调之后?
· 建一流大学到底缺什么?
· 同样是命,为什么这些孩子的就那
· 中国式“贫民富翁”为何难产
· 做人,你敢这厶牛吗?
· 言论自由与第一夫人变猴子
· “奈斯比特现象”(下)
· “奈斯比特现象”(上)
· 理性从政和智慧当官
· 中国对美五大优势
【第一部 《逃离》】
· 朋友,后会有期
· 师兄,人品低劣
· 开心,老友相见
· 拯救,有心无力
· 别了,无法回头
· 对呀,我得捞钱
· 哭吧,烧尽激情
· 爱情,渐行渐远
· 再逢,尴尬面对
· 不错,真的成熟
【《毒丸》(谍战)】
· 毒丸(13)
· 毒丸(12)
· 毒丸(11)
· 毒丸(10)
· 毒丸(9)
· 毒丸(8)
· 毒丸(7)
· 毒丸(6)
· 毒丸(5)
· 毒丸(4)
【《美国小镇故事》】
· 拜金女(五):免费精子
· 拜金女(四):小女孩的忧伤
· 拜金女(三):丑小鸭变白天鹅
· 拜金女(二):艰难移民路
· 拜金女(一):恶名在外
· 拯救罗伯特(四之四)
· 奇葩的穆斯林(下)
· 奇葩的穆斯林(上)
· 拯救罗伯特(四之三)
· 拯救罗伯特(四之二)
【《追风》(战争小说)】
· 追风:第二十五章
· 追风:第二十四章
· 追风:第二十三章
· 追风:第二十二章
· 追风:第二十一章
· 追风:第二十章
· 追风:第十九章
· 追风:第十八章
· 追风:第十七章
· 追风:第十六章
【菜园子】
· 春天到了,你的大蒜开长了吗?(
· 春天到了,该种韭菜了
· 室内种花,注意防癌
· 我的美国菜园子(3)
· 我的美国菜园子(2)
· 我的美国菜园子(1)
【《爱国是个啥?》】
· 爱国(1): 爱国心是熏陶出来的
【美国投资移民】
· 美国投资移民议题(2)
· 美国投资移民议题(1)
【理性人生】
· 关于汽车保险,你不能不知的
· 感恩之感
· 失败男人背后站着怎样的女人(2
· 什么是男人的成功?
· 失败男人背后站着怎样的女人(1
· 转载:巴菲特的财富观
· 痛悼79年湖北高考理科状元蒋国兵
【《格林伯格传》】
· 114亿人民币的损失该怪谁
· 基于避孕套的哲理
· 成功投资八大要领
· 企业制度的失败是危机的根源
· 斯皮策买春,错在哪?
【《奥巴马大传》】
· 一日省
· 追逐我的企盼
· 保持积极乐观的生活态度
· 陌生的微笑
· 奥巴马营销角度谈心理
· 神奇小子奥巴马
· 相信奇迹、拥抱奇迹、创造奇迹
· 什么样的人最可爱:献给我心中的
· 希拉里和奥巴马将帅谈
· 是你教会了别人怎样对待你
【参考文章】
· 美国最省油的八种汽车
· 美国房市最糟糕的十大州
· 美国历史上最富有的十位总统
· 世界十大债务大国
· 新鲜事:巴菲特投资IBM
· 星巴克的五美元帮助产生就业机会
· 转载: 苹果前CEO:驱逐乔布斯非
· 华尔街日报:软件将吃掉整个世界
· 林靖东: 惠普与乔布斯的“后PC时
· 德国是如何成为欧洲的中国的
【开博的领悟】
· 打造强国需要不同声音
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