Today, many Americans are struggling to pay their debt off. This debt might be in the form of credit cards, medical debt, student loans or many of the other commons sources of debt. Debt is not anything new, but it does become a problem when you?re owed money; money that you could be using to pay off that debt. A common way to pay out settlements is in the form of a structured settlement. The concept of structured settlements emerged in the mid 1950s and 1960s. It was provided as a way to extend your lump sum payment. Some people enjoyed the idea of receiving many monthly payments over one large amount of money. Today, however; this system isn?t as favorably accepted. Many people are stuck with debt and bills. The ability to pay down or to
IPO reports can be a little complicated to understand at first glance, but once you understand what they actually are, they become a lot less scary.
The very first stock sold by a private company that is available to the public is known as an IPO, which stands for the initial public offerings. When a company wants to grow and expand but needs capital to do so, they usually offer an IPO. Another reason to do this would be when a company wants to become publicly traded.
First of all, understand that an IPO is an investment; a risky one at th
Despite an increase in jobs — the US Department of Labor stated recently that more than 290,000 jobs were added to the economy in December 2015 — and a stable unemployment figure, the financial situation for most Americans remains precarious. In 2015 the average household in America owed more than $7,200 in credit card debt. In fact, 2014 saw a net increase of $57.1 billion in new credit card debt. More than 60% of U.S residents could not cover unexpected expenses and a similar percentage (66%) reported that they were “living paycheck to paycheck”. As a nation, as many as 40% of us say we spend more than we earn.
The picture is far from rosy when it comes to savings too. Almost 30% of Americans have no savings at all, and less than a quarter have enough saved to cover costs for half a year. Within