Income Inequality -
In the United States, the income gap between the rich and everyone else has been growing markedly, by every major statistical measure, for more than 30 years.
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Income inequality is the extent to which income is distributed unevenly among a population.
Income includes the revenue streams from wages, salaries, interest on a savings account, dividends from shares of stock, rent, and profits from selling something for more than you paid for it. Unlike wealth statistics, income figures do not include the value of homes, stock, or other possessions. Income inequality refers to the extent to which income is distributed in an uneven.----------------Financial Knowledge - Financial Education / The Fundamental Of Investing / Everything Entrepreneurs - Investors - Traders -
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Earn Passive Income by Investing in Real Estate - Imagine getting a check in the mail every few months for just holding a little bit of money in an account. Sounds amazing, right?
Prepare for market volatility by diversifying in gold - Stock market volatility can be financially damaging, especially as you near retirement. You could move your investments into a savings account -
- Index funds can be a good choice... The index fund is basically a type of mutual fund that works closely with the market index (stock market index). The index fund is a portfolio of stocks or bonds which mimics the structure as well as the performance of a financial market index.
- Advantage: Low Risk and Steady Growth. A central advantage to index funds is that they are relatively low-risk options for investing in stocks and bonds, designed for steady, long-term growth.
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- There are also several advantages to index funds. The main advantage is, since they merely track stock indexes, they are passively managed.
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What factors influence income?
- Your Education. Your education level has a large effect on your potential income and can increase your access to opportunities within a chosen field.
- Your Skills. Your income potential, is directly linked to what skills you have and what you’re good at!
- Economic Trends.
The Congressional Budget Office regularly analyzes the distribution of income in the United States and how that distribution has changed over time. As an update to that series, this report presents the distributions of household income, means-tested transfers, and federal taxes.
Since 1985, the average Wall Street bonus has increased 1,217 percent.
Because the very rich can squirrel away much of their income, huge Wall Street bonuses don’t have nearly the stimulus effect as raising pay for low-wage workers who have to spend nearly every dollar they make. The sharp rise in Wall Street bonuses has also contributed to race and gender inequality,
Men make up an overwhelming majority of top earners across the U.S. economy, even though women now represent almost half of the country’s workforce.
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High Leverage - One of the benefits of owning a rental property is that it gives you high leverage. It remains one of the top investments that allow you to get a loan quite easily. Real estate investors make money through rental income, appreciation, and profits generated by business activities that depend on the property.
The benefits of investing in real estate include passive income, stable cash flow, tax advantages, diversification, and leverage--------------------Inflation Hedge...The inflation hedging capability of real estate stems from the positive relationship between GDP growth and the demand for real estate. As economies expand, the demand for real estate drives rents higher.. High Appreciation -
Tax benefits of owning rental property are enormous
Generating income and increasing owner equity over the long term aren’t the only ways investors hope to profit by owning a rental. Investing in rental property also provides numerous tax benefits compared to many other income producing assets
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Income Inequality in the United StatesRacial discrimination in many forms, including in education, hiring, and pay practices, contributes to persistent earnings gaps. As of the second quarter of 2021, the median White worker made 27 percent more than the typical Black worker and around 30 percent more than the median Latinx worker, according to BLS data.
US Income Inequality Statistics
Top 1.0% of earners see wages up 157.8% since 1979
As Figure A shows, the top 1.0% of earners are now paid 157.8% more than they were in 1979. Even more impressive is that those in the top 0.1% had more than double that wage growth, up 340.7% since 1979 (Table 1). In contrast, wages for the bottom 90% only grew 23.9% in that time. Since the Great Recession, the bottom 90%, in contrast, experienced very modest wage growth, with annual wages—reflecting growing annual hours as well as higher hourly wages—up just 6.8% from 2009 to 2018. In contrast, the wages of the top 0.1% grew 19.2% during those nine years.
Wages fell furthest among the top 0.1% and 1.0% of earners during the financial crisis from 2007 to 2009 and the top 0.1% in 2018 had not yet recovered their prior earnings in 2007
Incomes are rising especially fast at the top. The CBO report says after-tax income for the ultra-rich — the top 0.01% — has increased even faster than for the rest of the top 1%. And these figures don’t even account for the impact of the 2017 tax cuts. According to Forbes, the top 1% of earners saved 51 times as much in taxes from these cuts as the bottom 60%.
Wage Inequality
Wages only account for part of household income. The rich get a lot of their money from investments, and the poor get some from government benefits. However, even if you just look at paychecks, the most significant gains are at the top of the scale.
Wealth Inequality
Income isn’t the only way to determine whether you’re rich or not. A better measure of wealth is net worth, the total value of everything you own minus everything you owe. But based on this scale, Americans are even more unequal
Income and wealth inequality are closely linked. Naturally, the more income you have, the faster you can build wealth. But having more wealth also helps you bring in more income through investments like stock dividends. In other words, it’s easy for the rich to get richer.
Like income inequality, wealth inequality in America is growing. According to Inequality.org, it took only $200 million to make the first Forbes 400 list in 1982 (measured in 2020 dollars). The average wealth for that list was just $600 million. But wealth didn’t increase for everyone along the same curve. According to the National Bureau of Economic Research (NBER.
The wealth gap also shows up in places besides net worth. For instance, Inequality.org
reports that white American families have much higher homeownership rates than Black or Latino families. And white college graduates carry significantly less student loan debt than their Black peers. Like income inequality in general, the racial wealth divide has grown over time.
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Some people don’t see economic inequality as a problem. They believe as long as everyone is gradually getting wealthier, it doesn’t matter if some are gaining wealth faster than others.
However, as the statistics show, we’re not all getting wealthier. The rich are, but incomes for the middle class are hardly moving from year to year.
Inequality and Poverty
In general, more inequality in a society also means more poverty. A 2018 report from the London School of Economics shows that European countries with a less equal distribution of wealth tend to have a higher poverty rate.
Less equal societies also tend to have lower economic mobility. In other words, the rich tend to stay rich, and the poor tend to stay poor. The children of the rich benefit from inherited money as well as better education and health. The poor suffer from disadvantages in the same areas that keep their children poor as well. ADVANTAGES OF INVESTING AND OWN REAL ESTATE PROPERTIES
Real Estate LeverageLeverage is the use of various financial instruments or borrowed capital (e.g., debt) to increase an investment's potential return.A 20% down payment on a mortgage, for example, gets you 100% of the house you want to buy—that's leverage. Because real estate is a tangible asset and one that can serve as collateral, financing is readily available. http://realestateworldclass.blogspot.com/ -----------------------Build Equity and WealthAs you pay down a property mortgage, you build equity—an asset that's part of your net worth. And as you build equity, you have the leverage to buy more properties and increase cash flow and wealth even more.----------------AppreciationReal estate investors make money through rental income, any profits generated by property-dependent business activity, and appreciation. Real estate values tend to increase over time, and with a good investment, you can turn a profit when it's time to sell. Rents also tend to rise over time, which can lead to higher cash flow. https://antonyrealestate.blogspot.com -----------------Cash FlowCash flow is the net income from a real estate investment after mortgage payments and operating expenses have been made. A key benefit of real estate investing is its ability to generate cash flow. In many cases, cash flow only strengthens over time as you pay down your mortgage—and build up your equity.--------------------Tax Breaks and DeductionsReal estate investors can take advantage of numerous tax breaks and deductions that can save money at tax time. In general, you can deduct the reasonable costs of owning, operating, and managing a property.-----------------Still, real estate is a distinct asset class that's simple to understand and can enhance the risk-and-return profile of an investor's portfolio.On its own, real estate offers cash flow, tax breaks, equity building, competitive risk-adjusted returns, and a hedge against inflation.Real estate can also enhance a portfolio by lowering volatility through diversification, whether you invest in physical properties or REITs. WWW.FACEBOOK.COM/VISIONONEREALESTATES ------------------
Gaps in earnings between America's most affluent and the rest of the country continue to grow year after year.
Inequality and Education
The more money people have, the more they can afford to spend on educating their children. Even in countries with free public schools, the schools in more affluent areas can pay more for good teachers and other resources. Thus, countries with more income inequality and more poverty tend to have a less educated population.
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Ways to Supplement Social Security For The Years To Come...
- Your 30s - 40s 50s (and beyond) is a great time to get serious about building your wealth. There's a good chance your career is taking off and you're earning more money than you ever have before. With upcoming expenses like college and retirement looming, investing smartly and saving money are more important than ever.
Prepare for market volatility by diversifying in gold
C. Stock market volatility can be financially damaging, especially as you near retirement. You could move your investments into a savings account into bonds, treasury bsecurities, but have you seen interest rates lately? Another option to consider — diversify with gold, silver, platinum. Gold values are inversely correlated with the stock market and the dollar. When one goes down, the other usually goes up. If you want to protect your retirement funds.
Fixed Income Investing Knowledge And Useful Information... By TheTeam Of: Knowledge Financial Group -
Fixed income is an investment approach focused on preservation of capital and income. US treasuries, Municipal bonds, and Preferred Stocks For Dividend payments.
Income Inequality
Are the rich getting richer and the poor getting poorer?
Our statistics can shed some light on this. A large number of factors have been identified as contributing to changes in inequality, the root causes are still not entirely understood.
Understanding Wealth Inequality, Its Causes, and Solutions...
In economic terms, income inequality is thelarge disparity in how income is distributed between individuals, groups, populations, social classes, or countries. It is a major part of how we understand socioeconomic statuses, being how we identify the upper class, middle class, and working class.
- National and global income inequality are becoming a growing issue that will need to be addressed.
- The top earners will benefit more from the economic recovery than the bottom earners will.
- In the United States, the top 20% receive more than 50% of total income.
- Inequality has grown thanks to outsourcing and companies replacing workers with technology.
- The United States could improve income inequality with employment training and investing in education.
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- Around 30% of American workers make less than $10.10 per hour. That creates an income below the federal poverty level. These are the people who wait on you every day. They include cashiers, fast food workers, and nurse's aides, and maybe even you.
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Causes
Income inequality is blamed on cheap labor in China, unfair exchange rates, and job outsourcing. Corporations are often blamed for putting profits ahead of workers. But they must remain competitive. U.S. companies must compete with lower-priced Chinese and Indian companies who pay their workers much less.
As a result, many companies have outsourced their high-tech and manufacturing jobs overseas. The United States has lost 36% of its factory jobs from 1980 to 2020. These were traditionally higher-paying union jobs. Service jobs have increased, but these are much lower paid.
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BLOGSPOT.COM - LEARN AT: KNOWLEDGE FINANCIAL GROUP - AND CERTAINLY AT: VISIONONE HOLDING COMPANY... FACEBOOK.COM/VISIONONEHOLDING ---------------RENTING IS THROWING MONEY AWAY … IN THE DRAIN WHILE YOU CAN BUY YOUR OWN? AND RENT IT TO SOMEONE ELSE... http://knowledgefinancialgroup.com/ Rental-Property.html ==----------------Why not now? FACEBOOK.COM/VISIONONEREALESTATES ? to learn about investing as the real estate market will continue to offer tremendous opportunities for the educated investor. It’s crucial to work hard and surround yourself with people who have experience... VISIONONEREALESTATE.BLOGSPOT.COM ---------------Creative Ways to Fund Real Estate Deals.. FACEBOOK.COM/VISIONAIREREALESTATE MULTIPLE WAYS TO CREATE WEALTH THROUGH REAL ESTATE INVESTING..FEMKONSA CAPITAL INVESTMENT - FACEBOOK.COM/FEMKONSA Our mission has been to inspire individuals to create more wealth and obtain financial freedom with economic independence.. FEMKONSA.BLOGSPOT.COM---------------------VISIONONE CAPITAL MANAGEMENT: FACEBOOK.COM/VISIONONECAPITALLearn the Three Ways of Building WealthThe three ways of building wealth include earned income, passive income, and portfolio income. VISIONONECAPITAL.BLOGSPOT.COM-------------------FRUITAL INVESTMENT GROUP:Our goal is to help build a foundation of knowledge that allows you to pursue your financial goals. FRUITALINVESTMENT.BLOGSPOT.COM - =========Liquidity, Net Worth, and Net Income Are the Holy Trinity
of Getting Rich
If you want to know how to get rich, the secret comes down to three things:
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Liquidity - Net Worth - Income (Profitability)
Your job is to maximize the three in a way that is consistent with living the life you desire, while doing
whatever it is you love to do.
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If you want to be financially independent, you should strive to increase the percentage of your household's
earnings that originates as passive income each year so your family doesn't have to rely on your labor to put food on the table, clothes on their backs, and a warm fire in the fireplace.
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Liquidity: The Liquid Resources You Keep on Hand for Opportunity or to Pay Bills
Liquidity refers to how quickly you can convert your money into cash that can be spent or invested.Nearly all bankruptcy filings are ultimately the result of liquidity shortfalls; a bill or debt comes due and the
money isn't in the bank.------------This is the reason many financial advisors LIKE ANTHONY insist on having enough cash on hand or in the bank to cover At Least six months to twelve months worth of expenses so you or your business could survive financial catastrophy...
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Cash is king, and you should always have a decent amount of it available to protect yourself in the event of
unpleasant surprises or in case opportunities come up that you didn't expect
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Net Worth: Assets Minus Liabilities -
Your net worth is what you would have left if you sold
everything you own and paid off all of your debts.If you are successful, over time, your net worth should climb ever-higher.------------
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1. Don’t let emotions rule your decisions.
2. Stay invested (and diversified) for the eventual rebounds.
By experience, we at: Knowledge Financial Group -
and also the team of: Visionone Capital Management -
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3. we can say with certainty: Bulls are usually stronger than bears...
Stock markets run in cycles: Bear markets (20%+ price drops over
at least two months) become bull markets (20%+ gains), and the cycle repeats.
But historically, the upturns have been much stronger and lasted much longer than the downturns.
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4. The moral: diversify. Invest in a wide range of assets based on your time horizon (how long until you’ll need your money) and risk tolerance (how well you handle the market’s ups and downs).
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5. Emotional decisions are usually bad ones.
Everyone wants to “buy low” and “sell high.” The problem is, most
investors get caught up in the heat of the moment — and end up doing the opposite.----------
6. Dollar-cost averaging can help volatility work for you Steady investing can pay off in choppy waters.
When you invest a set amount of money at regular intervals, you automatically buy more shares when they’re cheap and fewer whenthey’re expensive.
This strategy, known as dollar-cost averaging, lowers the average price you pay per share.
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Rebalancing can help you stay on track.
As boxer Mike Tyson said, everyone has a plan until they get punched in the face. You might start out with an asset allocation — how much of your money to devote to different types of investments — suited to your goal and risk tolerance. But over time, market performance could put your portfolio out of whack.
Example: Say your strategy calls for a mix of 65% equity (stock) investments and 35% fixed income (bonds).
But since you last checked, your stock stake has grown to 75% (too
risky) or, as in the recent market melee, fallen to 50% (not enoughgrowth potential)
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A all weather portfolio can help in most occasions.
Femkonsa Capital Investment has like that: 30% in domestic stocks -
15% in international stocks
10% in emerging market stocks
15% in US treasuries
15% IN TIPS = treasury inflation protection security
Whatever left we put it in real estate and precious metal.
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US Income Inequality Statistics
Deregulation means less stringent investigations into labor disputes. That also benefits businesses more than wage earners. Technology, not globalization, feeds income inequality. It has also replaced many workers at factory jobs. Those who have training in technology can get higher-paying jobs.
During the 1990s, companies went public to gain more funds to invest in growth. Managers must now produce ever-larger profits to please stockholders. For most companies, payroll is the largest budget line item. Reengineering has led to doing more with fewer full-time employees. It also means hiring more contract and temporary employees. Immigrants, many in the country illegally, fill more low-paid service positions. They have less bargaining power to demand higher wage.
The average American still doesn't have enough income to buy a home. This lack is especially true for younger people who typically form new households. Without good jobs, they're stuck living at home or with roommates.
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US Income Inequality Statistics to Know in 2021
