EPIC Issues – Income Volatility – Consumer Debt – Housing

The debt-to-equity ratio incorporates all kinds of debt, but long-term debt is the kind that becomes problematic since it is due so much later. The situation of the company when it incurred those debts might be drastically different from the present, or the future period when that debt is due.

Household debt and house prices. The problem with the housing market is that in 2008 73% of properties were owner-occupied, now it is only 65%.. rising house prices and paying the mortgage captures a greater proportion of disposable income, therefore consumer spending is down.

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to income grew from less than 90 percent to more than 120 percent between 2000 and 2006Q1. Along with strength in housing activity and values, this expansion has seen sustained forward momentum in consumer spending, but it has not been the case that consumer spending has been unusually strong.

To summarize our results, we estimate that the volatility of household income-as measured by the standard deviation of two-year percent changes in income-increased about 30 percent between the.

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Total consumer debt outstanding fell from $11.23 trillion dollars in the first quarter of 2013 to $11.15 trillion in the second quarter (Equifax, FRB NY CCP). In contrast, however, two components of overall debt rose over that period: Auto loans went up from $749 billion to $800 billion, and student loans went up from $986 billion to $994 billion.

Income Volatility. The level of income during the year as a whole may mask substantial changes in income from month to month. The survey considers how mismatches between the timing of income and expenses lead to financial challenges. Income in 2018 was roughly the same from month to month for 7 in 10 adults.

In sum, persistent income volatility or income drops may cause hardship for families as they try to maintain basic expenditures for food, transportation, and housing, and face the associated costs of borrowing, liquidating assets, or delaying payments. Low-income households experience more income

debt-to-GDP ratio, consumer leverage ratio. A country’s private debt can be measured as a ‘debt-to-GDP ratio’, which is the total outstanding private debt of its residents divided by that nation’s annual GDP.A variant is the consumer leverage ratio, which is the ratio of debt to personal income.. List of countries

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