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最新调查显示,如果工资支票迟到一周,将有近60%加拿大人无法支付账单。 ; Y7 i, w0 |+ Z; O4 b
/ E9 D7 B) i& |2 w$ r加拿大工资管理协会(Canadian Payroll Association)调查发现,大多数加拿大人不仅手头拮据,而且基本无力为退休储蓄。若工资迟发,约59%加拿大人无法支付账单。 $ L1 S1 ?1 X0 y, z# g9 Q c/ j
年轻上班族们尤其捉襟见肘。如果工资迟发,18至34岁的年轻人中有4 5%难以或很难维持生活。72%单身父母们表示工资迟发会导致他们无法支付账单。尽管理财规划师建议人们预留三个月的房租、食品和水电等应急费用,但显然加拿大人们没有遵照这一点。 $ T( y9 K7 ^% Q4 `
调查还发现50%加拿大上班族们无法拿出5%的净收入做退休储蓄。工资管理协会的主席兼CEO库哈尼(Patrick Culhane)说,由于近期股市的动荡,为退休储蓄就更难了。 / u! I+ U* v- ]2 a3 i
约52%加拿大人认为若想退休生活舒适安逸,需要75万到300万元的资金。然而,约1/3表示努力比去年拿出更多钱来储蓄,但无法做到。另有42%表示无法拿出更多钱来储蓄。
; V& _& g. o- M/ aMajority of Canadian employees living paycheque to paycheque, not saving enough for retirement. Younger workers and single parents having most trouble making ends meet.6 ~0 N! ^. O- i, B
TORONTO, Sept. 14 /CNW/ - Results from a new nationwide survey show that a majority of working Canadians are cash-strapped and have little ability to put money away for their retirement. 8 S6 B* Z d {
According to the 2009 National Payroll Week Employee Survey, conducted by the Canadian Payroll Association (CPA) and released today, 59% of Canadian employees report they would have trouble making ends meet if their paycheque was delayed by even one week. 5 m, C6 }% l+ U7 N6 J0 ]+ _
"We were shocked by that number. So many Canadians are now living so close to the line that if they miss a single paycheque, the majority will find themselves in financial difficulty," says Janice MacLellan, Chairman of the CPA.
( \: Q# C1 M( E. aFinancial experts recommend that people keep emergency funds totaling approximately three months of expenses (rent, mortgage, bills, groceries, etc.).
" e& _2 G. `$ F, M7 {By age group, the younger workforce is feeling the greatest pinch, with 45% of those aged 18-34 saying it would be difficult or very difficult for them to meet their current financial obligations if a paycheque were delayed, and a further 21% stating that it would be somewhat difficult. By household, the situation is most precarious for single parents, with 72% saying they would have some trouble making ends meet if their pay were delayed. I B) g# Y" y, b9 M) Y0 ~; p
The survey also found that 50% of Canadian workers are unable to save more than 5% of their net pay for retirement. Financial experts generally recommend a retirement savings rate of about 10%.
1 ~* n: b0 J t1 j4 J$ `"Canadians are living paycheque to paycheque, and there's precious little left that they can put away for retirement," notes Patrick Culhane, CPA's President and CEO.
( v; w+ h- j+ o$ oAbout one-third of Canadian workers say they have been trying to save more money than a year ago because of the economic uncertainty but have been unable to do so. Another 42% say they aren't even attempting to save additional funds. Yet, the majority (52%) feels they'll need between $750,000 and $3 million to live comfortably in retirement. 4 R! f5 B5 U' s
Those finding it most difficult to put money aside are single parents, with 65% saying they're saving only 5% or less of their net pay.
0 ~9 t! R4 D- | E% V1 ^A majority of Canadians (70%) say their first priority if they were to win $1 million in the lottery would be to pay off their debt, followed by contributing as much as possible toward retirement (35%) and investing (30%) as the next priorities. 3 R" a. \; B4 r
Of all regions, Quebecers would be more likely to use some of their lottery winnings to have a party (7%) than people living elsewhere in Canada (3%). Maritimers would be more likely to share their lottery winnings with family members (37%) than would the rest of the country (26%). ! G# }( J6 ~& n3 z
Cash is king for Canadians when it comes to remuneration. A whopping 65% of those who responded said it's more important that they receive higher wages from their employer, compared to better health benefits (25%), and education funding (10%). |
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