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Topic: Disposable income


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  Disposable income - Wikipedia, the free encyclopedia
Disposable income is the amount of an individual's total income left after taxes, plus any transfer payments (grants) received from the government or elsewhere.
Another concept that is often confused with disposable income is discretionary income.
This is equal to disposable income minus the cost of the fixed expenses of life (such as rent/mortgage, food, car payments, insurance, etc.).
en.wikipedia.org /wiki/Disposable_income   (161 words)

  
 Personal Income News Release   (Site not responding. Last check: 2007-11-06)
Farm proprietors' income decreased $2.1 billion, in contrast to an increase of $2.9 billion.
Rental income was reduced $88.5 billion (at an annual rate) to reflect uninsured losses of residential property from the impacts of the hurricane.
Saving from current income may be near zero or negative when outlays are financed by borrowing (including borrowing financed through credit cards or home equity loans), by selling investments or other assets, or by using savings from previous periods.
www.bea.doc.gov /bea/newsrel/pinewsrelease.htm   (4352 words)

  
 Nat' Academies Press, Transforming Post-Communist Political Economies (1998)
Per capita income inequality increased during the early phase of the economic transition by 10 percent in the Czech Republic (1988 to 1992) and by 12 percent in Poland (1987 to 1992) as measured by the Gini coefficient (Table 13-2).
The increase in income inequality observed during the first phase of the transition was accompanied by a decrease in the percentage of people in the middle-income classes (75-150 percent of median equivalent income) (Table 13-1, column 7).
The incomes of those in the bottom two deciles were increased proportionately by 3 percent (20 percent of the informal economy, which was assumed to be 15 percent of total disposable income).
books.nap.edu /books/0309059291/html/351.html   (6428 words)

  
 South-Western EconData -- Real Per-Capita Disposable Personal Income
Personal income in the U.S. consists of all income that is received by U.S. residents in a given year, originating from all sources.
Thus personal income is the sum of wage and salary disbursements, other labor income, proprietor's income (rental income), dividend and interest income, and transfer payments to individuals (welfare, unemployment insurance, etc).
Disposable personal income is the portion of personal income that is left after personal taxes are subtracted, and thus is the amount of personal income available to people for consumption spending and saving.
www.swcollege.com /bef/econ_data/percap_income/percap_income_definition.html   (292 words)

  
 Income and Expenses - bankruptcy, bankruptcy california, bankruptcy los angeles, bankruptcy san francisco   (Site not responding. Last check: 2007-11-06)
Most consumers are very close to even at the end of the month, that is their expenses balance out their income and the amount left over is close to $0 or even a negative number.
Consumers should be aware that the court has certain guidelines for expenses that have been accepted as “reasonable,” any amount over the reasonable amount may be viewed with skepticism by the bankruptcy trustee and backup documentation may be required.
Disposable Income - The concept of disposable income is one most consumers are familiar with, it’s the money left after necessary expenses are paid including home mortgage or rent, utilities, transportation expenses, insurance, food, laundry and clothing expenses, child care, and anything else you just wouldn’t be able to get by without.
www.mcfarlinlaw.com /i_income.htm   (316 words)

  
 Serveur WWW.delta.ens.fr/XIX The distribution of income among world citizens: 1820- 1990   (Site not responding. Last check: 2007-11-06)
Income distribution data for Kenya are drawn from Bingsten (1986) who reconstructed the evolution of the distribution from 1914 to 1976.
Among them, the share of the 4 richest amounts to 9 per cent of the population and 28.5 per cent of income, whereas the corresponding figures for the 4 poorest were respectively 32 per cent and 10 per cent.
Among them, the share of the 4 richest amounts to 13.6 per cent of the population and 27 per cent of income, whereas the corresponding figures for the 4 poorest were respectively 28 and 13 per cent.
www.delta.ens.fr /XIX   (3974 words)

  
 A State Strategy for Increasing Child Support Payments from Low-Income Fathers and Improving the Well-Being of Their ...
Even in the minority of states that have retained the $50 pass-through, the income gain for custodial families typically is reduced further by an offsetting reduction in food stamp benefits (since most TANF households also receive food stamps).
As income rises from zero to a level approaching or slightly exceeding that generated by full-time work at the minimum wage, the matching rate remains constant.
The purpose of the enclosed tables is to simulate what would happen to the disposable incomes of low-income custodial families and noncustodial parents under both current law and a proposed set of child support policy changes.
www.cbpp.org /4-14-99wel.htm   (4512 words)

  
 Statutory Instrument 2000 No. 516
The income of the person concerned from any source shall be taken to be the income which that person may reasonably expect to receive (in cash or in kind) during the period of calculation.
(2) In calculating the disposable income of the person concerned, any sums (net of council tax benefit) payable by him in respect of the council tax to which he is liable by virtue of section 6 of the Local Government Finance Act 1992[23] shall be deducted.
In calculating the disposable capital of the client, the amount or value of the subject matter of the dispute to which the application relates shall be excluded.
www.hmso.gov.uk /si/si2000/20000516.htm   (6908 words)

  
 The Seattle Times: Business & Technology: Disposable income is where politics, economy meet
In 1996, disposable income was rising at about an annual rate of 3.4 percent.
Real disposable income will be growing at a much slower rate now than at election time.
But if voters are beginning to feel that increase in disposable income as they go to the polls in November, it could be good for the Bush team.
seattletimes.nwsource.com /html/businesstechnology/2001987913_dunphy25.html   (623 words)

  
 Fiscal Effects of Dividend Tax Relief   (Site not responding. Last check: 2007-11-06)
Disposable personal income would increase by an inflation-adjusted average of $56 billion or more per year from 2003 to 2012.
For a two-earner family of four, disposable income would be increased by an average of $384 per year.
For a family of four, this increase in disposable income would correspond to an average of at least $768 per year.
www.heritage.org /Research/Taxes/wm184.cfm   (642 words)

  
 # 33 Retail on North Main
Figures 1 and 2 show the household income ranges of both neighborhoods and illustrate the range of economic strata.
Per capita income rose 44.5% in Clay Arsenal (from $2,677 to $6,004) and 18.7% in Northeast (from $3,765 to $6,948).
The median per capita income, used here to calculate consumption projections, was $6,948 in Northeast neighborhood and $6,004 in Clay Arsenal.
www.trincoll.edu /depts/tcn/Research_Reports/33.htm   (2031 words)

  
 Cal's Commentary - Disposable Income...! (Jul 2000)   (Site not responding. Last check: 2007-11-06)
We have disposable diapers, disposable cameras, disposable towels, disposable dinner plates, and, it seems, disposable marriages.
Christians, who are supposed to be sensible people, can give their disposable income directly to the work of God, without first devaluing it through a middle man, and then a garbage sale.
Disposable income should not be a foundation for the recycling business.
www.100huntley.com /calcom/r039.htm   (667 words)

  
 Is There Such a Thing as an Absolute Poverty Line Over Time? Evidence from the United States, Britain, Canada, and ...   (Site not responding. Last check: 2007-11-06)
The income elasticity of the poverty line can also be demonstrated by taking a given constant-dollar level which is considered to be poverty during a later period (of higher general real income) and showing that the same level was considered to be well above poverty during an earlier period (of lower general real income).
Another significant source of evidence about the income elasticity of the poverty line--although it has generally been neglected in previous income elasticity literature--is the common knowledge of experts on poverty lines, budgets, and living standards, as documented in quotations from their writings.
In the United States, for instance, the estimate of the normal annual income required to maintain a standard of health and decency for a family of five has jumped from $600 at the beginning of the twentieth century to nearly $2000 at the end of the third decade [of the twentieth century].
www.census.gov /hhes/poverty/povmeas/papers/elastap4.html   (16525 words)

  
 Hogenhout & Associates Inc. Taxes   (Site not responding. Last check: 2007-11-06)
The downward trend in personal and corporate income taxes has effected many investors' choice of business structures as well as the structures for their investment portfolios.
Should you have any questions about your personal income tax returns, or if you need to review your current financial situation for potential future tax savings, we are available throughout the year.
Should you have any questions about your corporate income tax returns, or if you need to review your current financial situation for potential future tax savings, we are available throughout the year.
www.hogenhout.com /taxes.htm   (1184 words)

  
 FactCheck.org Misinforming Voters From The Stump
In one of them Bush claims "real after-tax incomes are up almost 10 percent," and in another Kerry repeats his claim that jobs being created now "pay us $9,000 less than the jobs that are going overseas." It's hard to imagine how both of those statements could be true.
He says "Real after-tax incomes are up almost 10 percent since December of 2000," Clinton's last full month in office. That's from the Department of Commerce, a statistic  called "real disposable income." It refers to the total of all inflation-adjusted income earned by all persons, minus taxes.
Alternative Measures of Income for 2001 and 2002 (Revised): Table 3: "Household Income by Race and Hispanic Origin and Income Definition Using Revised Tax Model: 2001 and 2002," U.S. Census Bureau, 8 July 2004.
www.factcheck.org /article260.html   (2225 words)

  
 Income Elasticity of the Poverty Line
Another significant (although neglected) source of evidence about the income elasticity of the poverty line is the common knowledge of experts on poverty lines and family budgets, as documented in quotations from their writings.
These comparisons demonstrate the income elasticity of the poverty line by showing that a real monetary level that was considered to be well above poverty/subsistence during an earlier period (of lower general real incomes) was considered to be below poverty during a later period.
Given that the income elasticity of the poverty line was well known among American poverty line experts before 1970, it is puzzling that many participants in today's poverty line debates are unaware of it.
aspe.os.dhhs.gov /poverty/papers/elassmiv.htm   (3290 words)

  
 Relative or Absolute -- The Behavior of Poverty Lines Over Time
Another significant (although neglected) source of evidence about the income elasticity of the poverty line is the common knowledge of experts on poverty lines and family budgets before 1970, as documented in quotations from their writings.
It is clear that the income elasticity of the poverty line was well known to these experts, and that they were quite familiar with the underlying social processes involved.
The force of this American historical evidence is strengthened when one realizes that the income elasticity of the poverty line results from social processes that have continued--indeed, have perhaps even intensified--since the 1960's.
aspe.hhs.gov /poverty/papers/relabs.htm   (977 words)

  
 Household Debt Service and Financial Obligations Ratios
The household debt service ratio is the ratio of household debt payments to disposable income.
To create the measure, payments are calculated separately for revolving debt and for each type of closed-end debt, and the sum of these payments is divided by disposable personal income as reported in the National Income and Product Accounts.
  To calculate the homeowner and renter financial obligations ratios, homeowner and renter shares of payments and income derived from the SCF and Current Population Survey are applied to the numerator and denominator of the total financial obligations ratio.
www.federalreserve.gov /releases/housedebt/about.htm   (544 words)

  
 Ominous Dip in Real Disposable Income   (Site not responding. Last check: 2007-11-06)
After several months of increases, the income number for February, 2000 dropped one-tenth of one percent.
In January, real disposable personal income increased.6, in December, 1999 there was no change, in November RDPI rose.3 and in October, it rose a whopping 1.1 percent.
Real disposable personal income provides a reliable summary measure of the economy because it measures after-tax dollars adjusted for inflation.
www.insidepolitics.org /heard/heard4300.html   (273 words)

  
 The Permanent Income Hypothesis   (Site not responding. Last check: 2007-11-06)
Early Keynesian models of the consumption function related current consumption expenditure to current levels of income or disposable income.
In empirical studies, the APC is observed to be smaller for higher income groups relative to low income groups.
Specifically, transitory income for low income groups is assumed to be negative reflecting the notion that over time transitory losses exceed transitory gains for this group of individuals:
www.digitaleconomist.com /pih_4020.html   (493 words)

  
 Confidence, personal spending, income, home sales rise - May. 28, 2002
Unemployment rose in April to 6 percent and is expected to creep even higher this year as businesses, suffering from a profit slump and skeptical about the recovery, might be reluctant to hire new workers for some time after cutting more than a million jobs in 2001.
In the Commerce Department report, disposable income, or income after taxes and government fees, rose 0.3 percent after rising 0.5 percent in March.
Consumers saved 2.8 percent of their disposable income in April after saving 3 percent in March.
www.cnn.com /money/2002/05/28/news/economy/economy/index.htm   (1040 words)

  
 Frequently Asked Money Management Questions   (Site not responding. Last check: 2007-11-06)
A budget gives a clear snapshot of your household income, and it also shows what your saving and spending habits are.
From the total sum of all your income, you subtract all deductions (such as state and federal taxes and health insurance premiums).
Then you can subtract your actual expenses from your net household income to see what disposable income you will have after your bills are paid.
www.accordone.com /financial_insight/moneyfaqs.asp   (3084 words)

  
 Economic Report of the President (1997) VIA UM-ST. LOUIS
Also, the increase in income inequality described in Chapter 5 is one widely discussed phenomenon that is completely unaffected by CPI measurement: inequality is measured by comparing income between groups; converting to real values is irrelevant, and in any case any bias in the deflator would affect all of the groups equally.
For example, the problems with proprietors’ income may persist, as such income is chronically underreported, and the correction for underreporting is based on an out- of- date (1988) taxpayer compliance study that has been discontinued.
Consumer fundamentals remain positive: consumer confidence is high, income growth is healthy (real disposable personal income expanded at a better than 3 percent rate over the four quarters ending in the third quarter of 1996), and the growth in household liabilities has been offset by rapid growth of assets.
www.umsl.edu /services/govdocs/erp/1997/chap2.htm   (16803 words)

  
 Disposable Income   (Site not responding. Last check: 2007-11-06)
A high disposable income is a plus since lenders will feel more
disposable income when you apply for a VA loan, and sometimes
Disposable income is also referred to as residual income.
www.sierrawestern.com /glossary/disposable.html   (72 words)

  
 ERS/USDA Briefing Room - Food CPI, Prices and Expenditures - Data tables - Food expenditures by families and ...
Food expenditures by families and individuals as a share of disposable personal income (see table 9 for differences between expenditures in tables 1,7, and 8; see table 10 for differences between incomes in tables 7 and 8)
Food purchases from grocery stores and other retail outlets, including purchases with food stamps and WIC vouchers and food produced and consumed on farms (valued at farm prices) because the value of these foods is included in personal income.
Purchases of meals and snacks by families and individuals, and food furnished to employees since it is included in personal income.
www.ers.usda.gov /briefing/CPIFoodAndExpenditures/Data/table7.htm   (173 words)

  
 Rip-Off - It's Cheaper in The USA !
British and many overseas companies are openly flouting the law and attempting to fix the prices at which their products are sold in Britain.
Disposable Income - USA v UK Average incomes are substantially higher in the United States.
Nevertheless, average incomes are substantially lower in the UK, and income taxes are significantly higher than in the USA
www.rip-off.co.uk /usa.htm   (535 words)

  
 A. Debt Payments-to-Disposable Income Method   (Site not responding. Last check: 2007-11-06)
Your disposable income is the amount of take home pay you have after all deductions for taxes, insurance, union dues and other employment expenses.
Divide disposable income per month into monthly debt payments excluding a mortgage and convenience credit card usage to be paid in full.
Twenty percent is a commonly used benchmark maximum for determining one’s debt limit.
www.uky.edu /~rforgue/fam251/chap7show/sld003.htm   (59 words)

  
 Toward Green Mobility: the evolution of transport - Jesse Ausubel, Cesare Marchetti, Perrin Meyer
The fraction of income as well as time that people spend on travel remains narrowly bounded.
By the year 2100, per capita incomes in the developed countries could be very high.
Traffic will be very high if we stay within the traditional budgets, even higher if the relaxation of time budgets permits an increase in travel time, which Californians may foreshadow, or if the share of disposable income allocated to travel trends upward.
phe.rockefeller.edu /green_mobility   (7281 words)

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