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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. | | | This is equal to disposable income minus the cost of the fixed expenses of life (such as rent/mortgage, food, car payments, insurance, etc.). | | | A simple discretionary income calculator -- even though this says it's measuring "disposable income," using the economist's language, it's discretionary income. |
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http://en.wikipedia.org/wiki/Disposable_income
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| | Disposable Income- |
| | Disposable income is your net income minus your monthly expenses. |
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http://www.foreclosureadvisors.com/disposab.html
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| | Personal Income News Release |
| | 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. | | | Farm proprietors' income decreased $2.1 billion, in contrast to an increase of $2.9 billion. | | | Rental income of persons and proprietors' income were reduced by about $100 billion (annual rate) primarily reflecting uninsured losses of residential and business property. |
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http://www.bea.doc.gov/bea/newsrel/pinewsrelease.htm
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| | Nat' Academies Press, Transforming Post-Communist Political Economies (1998) |
| | Disposable income is the income concept used for comparison. | | | 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). | | | We also calculated the percentile points of the distribution (incomes at the 10th and 90th percentiles as a percentage of median income) and the decile ratio (the ratio of the 90th to the 10th percentile income) (Table 13-3). |
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http://books.nap.edu/books/0309059291/html/351.html
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| | Income and Expenses - bankruptcy, bankruptcy california, bankruptcy los angeles, bankruptcy san francisco |
| | 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. | | | Your Budget - The formula to determine your budget in bankruptcy is simply your net household income minus your necessary expenses. | | | 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. |
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http://www.mcfarlinlaw.com/i_income.htm
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| | South-Western EconData -- Real Per-Capita Disposable Personal Income |
| | 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. | | | 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). | | | The greater percentage of real per-capita income in most countries is used for consumption spending rather than saving, with the percentage varying by culture and other factors. |
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http://www.swcollege.com/bef/econ_data/percap_income/percap_income_definition.html
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| | Statutory Instrument 2000 No. 516 |
| | (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. | | | (2) In calculating the disposable income of the person concerned, any income tax and national insurance contributions paid or, in the case of an assessment under regulation 5(6), payable on that income in respect of the period of calculation shall be deducted. | | | 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. |
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http://www.hmso.gov.uk/si/si2000/20000516.htm
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| | [No title] |
| | Disposable personal income "is calculated as personal income less the sum of personal tax payments and personal |
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http://info.neded.org/stathand/dsect8.htm
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| | A State Strategy for Increasing Child Support Payments from Low-Income Fathers and Improving the Well-Being of Their ... |
| | The tables illustrate hypothetical family scenarios and were created by calculating the appropriate benefits, taxes and child support payments for families with various levels of earnings and then calculating the resulting disposable income — earnings plus benefits, minus taxes, child care and work expenses, and plus or minus child support payments for these families. | | | The income level of the noncustodial parent determines the subsidy used for calculating the state subsidy. | | | 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. |
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http://www.cbpp.org/4-14-99wel.htm
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| | Re: Disposable personal income |
| | Disposable personal income is personal income minus taxes. | | | It is basically the money that is left over from taxes being taken out. |
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http://daphne.palomar.edu/jose/_disc11/000000fc.htm
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| | Serveur WWW.delta.ens.fr/XIX The distribution of income among world citizens: 1820- 1990 |
| | For 1890, the distribution of total income and active individuals across sectors of activity is available. | | | Estimates for 1820-1960 are based on data about average income ratios between Europeans and Moslems (1950-1960) and the percentage of Europeans in the population before 1950. | | | There are data on the total income received by the top centile of the population in 1905-10. |
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http://www.delta.ens.fr/XIX
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| | The Seattle Times: Business & Technology: Disposable income is where politics, economy meet |
| | Going back to the 1960 election, each time real disposable income has risen at an annual rate of 3.8 percent or above in the months before an election, the incumbent or his party wins the election. | | | Real disposable income had fallen 0.8 percent in the year before the election. | | | Real disposable income will be growing at a much slower rate now than at election time. |
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http://seattletimes.nwsource.com/html/businesstechnology/2001987913_dunphy25.html
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| | 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. |
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http://www.federalreserve.gov/releases/housedebt/about.htm
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| | A. Debt Payments-to-Disposable Income Method |
| | 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. |
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http://www.uky.edu/~rforgue/fam251/chap7show/sld003.htm
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| | Fiscal Effects of Dividend Tax Relief |
| | 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. | | | The rest would be caused by increases in federal expenditures for income maintenance programs for federal and Social Security retirees. |
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http://www.heritage.org/Research/Taxes/wm184.cfm
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| | Frequently Asked Money Management Questions |
| | From the total sum of all your income, you subtract all deductions (such as state and federal taxes and health insurance premiums). | | | Cash flow is net household income minus all your bills and expenses. | | | 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. |
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http://www.accordone.com/financial_insight/moneyfaqs.asp
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| | Hogenhout & Associates Inc. Taxes |
| | 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. | | | Minimizing your personal and corporate income tax is what we can do for you. | | | 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. |
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http://www.hogenhout.com/taxes.htm
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| | # 33 Retail on North Main |
| | Social Security income goes to 21.3% of the households in Clay Arsenal; 24% of those in Northeast. | | | In addition to calculations of potential consumer spending, CREN surveyed several businesses in the trade area in an effort to predict resident consumer patterns and their effect on employment of new businesses in the trade area. | | | In order for retailers to be successful, it is necessary for their primary trade area to have enough people with sufficient income who will purchase the available products and services. |
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http://www.trincoll.edu/depts/tcn/Research_Reports/33.htm
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| | Is There Such a Thing as an Absolute Poverty Line Over Time? Evidence from the United States, Britain, Canada, and ... |
| | 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. | | | The "get-along" amount showed a small tendency to drop as a percentage of median family income [which would be consistent with Kilpatrick's results], but it remained roughly constant as a percentage of "per family disposable personal income" (a measure which Rainwater constructed as four times per capita disposable income). | | | 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]. |
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http://www.census.gov/hhes/poverty/povmeas/papers/elastap4.html
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| | Disposable Income - Disposable Income Advice from Peter Cranwell |
| | the amount of income left to an individual after taxes have been paid, available for spending and saving. | | | the amount of an individual's income available for spending after the essentials (such as food, clothing and shelter) have been taken care of. | | | Disposable Income - Disposable Income Advice from Peter Cranwell |
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http://www.petercranwell.co.uk/disposableincome.htm
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| | Confidence, personal spending, income, home sales rise - May. 28, 2002 |
| | 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. | | | Economists surveyed by Briefing.com expected spending to rise 0.7 percent and income to rise 0.3 percent. | | | The PCE price index included in the Commerce Department income and spending report -- which economists say is more closely watched by the Fed than the better-known consumer price index (CPI) -- rose 0.4 percent after rising 0.3 percent in March. |
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http://www.cnn.com/money/2002/05/28/news/economy/economy/index.htm
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| | The Permanent Income Hypothesis |
| | Early Keynesian models of the consumption function related current consumption expenditure to current levels of income or disposable income. | | | For middle income groups the value of transitory income is equal to zero over time such that observed and permanent income take the same value: | | | Several theoretical implications can be developed by taking the ratio of consumption expenditure to the level of disposable income. |
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http://www.digitaleconomist.com/pih_4020.html
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| | FactCheck.org Misinforming Voters From The Stump |
| | 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. | | | The average family of four with an income of $40,000 got nearly a $2,000 tax cut. | | | Kerry does propose to raise federal income taxes, but only for those making $200,000 a year or more. |
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http://www.factcheck.org/article260.html
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| | Cal's Commentary - Disposable Income...! (Jul 2000) |
| | Disposable income should not be a foundation for the recycling business. | | | More people are making more money, right now, and we are told that most wage earners have more of what is called “Disposable Income” than ever before. | | | Now I’m not sure who to blame for this deplorable situation, but lots of people want to take the credit for it. |
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http://www.100huntley.com/calcom/r039.htm
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| | Household Debt Service and Financial Obligations Ratios |
| | Homeowner and renter FORs are calculated by applying homeowner and renter shares of payments and income derived from the Survey of Consumer Finances and Current Population Survey to the numerator and denominator of the FOR. | | | The household debt service ratio (DSR) is an estimate of the ratio of debt payments to disposable personal income. | | | Debt payments consist of the estimated required payments on outstanding mortgage and consumer debt. |
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http://www.federalreserve.gov/releases/housedebt/default.htm
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| | Rip-Off - It's Cheaper in The USA ! |
| | Nevertheless, average incomes are substantially lower in the UK, and income taxes are significantly higher than in the USA | | | Any rise in Government taxes is inflationary, and this cost is eventually passed onto the consumer. | | | British and many overseas companies are openly flouting the law and attempting to fix the prices at which their products are sold in Britain. |
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http://www.rip-off.co.uk/usa.htm
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| | Economic Report of the President (1997) VIA UM-ST. LOUIS |
| | Between 1993 and 1994, households with adjusted gross incomes of $100,000 or more saw those incomes increase by an average of 9.0 percent while their income tax liability increased by 8.9 percent. | | | 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. | | | One cost they cite is that taxation of nominal interest income and nominal capital gains distorts saving and investment decisions in an inflationary environment, although in some cases these distortions may offset others elsewhere in the tax system. |
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http://www.umsl.edu/services/govdocs/erp/1997/chap2.htm
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| | Study: Tax hike will hurt - PittsburghLIVE.com |
| | It's the first major effort to raise the income tax since 1991 when numerous taxes were raised a total of $3 billion under Democratic Gov. Robert P. Casey. | | | HARRISBURG -- With the House poised to vote today on a 16 percent hike in the state income tax, an economic analysis says the increase would cause losses of jobs, investment and disposable income for many Pennsylvanians. | | | Even if House leaders and Rendell push through a tax bill to pay for new education programs, Senate Republicans have repeatedly stated they won't raise the state income tax to pay for new spending. |
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http://www.pittsburghlive.com/x/tribune-review/news/s_160844.html
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| | Disposable Income |
| | A high disposable income is a plus since lenders will feel more | | | disposable income when you apply for a VA loan, and sometimes | | | A high disposable income can also allow you to save |
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http://www.sierrawestern.com/glossary/disposable.html
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| | Toward Green Mobility: the evolution of transport - Jesse Ausubel, Cesare Marchetti, Perrin Meyer |
| | Travel expenditures, percent of disposable income, various studies. | | | 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. | | | The travel money budget fluctuates between about 11% and 15% of personal disposable income (Table 1). |
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http://phe.rockefeller.edu/green_mobility
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| | The Economic Impact of Taxing Internet Access |
| | Inflation-adjusted disposable personal income (income left over after taxes have been paid) falls by amounts between $11.3 billion and $25.4 billion (between $102.74 and $230.95 per household). | | | Even if this were the case, though, economic analysis predicts that such taxes would reduce GDP, disposable income, and employment. | | | To investigate this possibility, CDA analysts converted the MTC’s estimates into increases in the average effective personal income tax rate (at the federal level). |
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http://www.heritage.org/Research/InternetandTechnology/wm424.cfm
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| | Ominous Dip in Real Disposable Income |
| | Real disposable personal income provides a reliable summary measure of the economy because it measures after-tax dollars adjusted for inflation. | | | Any reading between 2 and 4 percent income growth signals a competitive election. | | | Last week, the U.S. Department of Commerce reported an ominous dip in real disposable personal income. |
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http://www.insidepolitics.org/heard/heard4300.html
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| | USATODAY.com - Wal-Mart, Target profits rise, but gas prices a worry |
| | Wal-Mart's net income was $2.2 billion, or 50 cents a diluted share, up 16% from year-ago profit of $1.9 billion, or 42 cents. | | | Wal-Mart CEO Lee Scott noted that the higher cost of filling the family vehicle is stripping roughly $7 a week from his typical customers' disposable income. | | | But while consumers were flush with tax refunds, stubbornly high gasoline prices — running about $2-plus a gallon for premium — threaten to siphon dollars. |
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http://www.usatoday.com/money/companies/earnings/2004-05-13-walmart_x.htm
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| | Teagasc - Alternative Enterprises |
| | This could represent a real boost to income as the annual forestry premium payment of €400 per hectare is tax free. | | | In recent years many rural dwellers have established new enterprises to improve their income, provide employment for family and utilise available resources. | | | Changing lifestyles and work habits combine with increased disposable income to provide expanding opportunities for supplying quality products to the catering and retail trades. |
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http://www.teagasc.ie/advisory/alternatives.htm
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| | [No title] |
| | The amount that you are able borrow will usually depend on two things - your annual disposable income and the amount that your chosen lender is prepared to lend in relation to that income. | | | As a rule of thumb most lenders will currently lend a maximum of 3.25 times the first income plus one times the second income. | | | The calculator has been pre-set with the multiples shown above but if you have found a lender who is prepared to advance more than this then you may change the income multiple boxes to obtain the figure available. |
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http://www.moneynet.co.uk/borrowing/mortgages/calculators/borrow.shtml
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| | Positive Signs for the Ad Industry |
| | Driven by corporate profits, retail sales, and consumer disposable income, the advertising industry could be poised for successive years of growth, peaking in 2003, and then declining slightly every year through 2006. | | | Global Insight predicts that the largest growth through 2006 will come from radio, cable and the Internet, and the industries spending the most money, in terms of growth, through 2006 are: entertainment; wholesale and industrial suppliers; security and commodity brokers; insurance carriers and agents; and business services companies. | | | It may be small, but at least it's a positive figure for the struggling advertising industry where a report from Global Insight, Inc. finds that the U.S. ad market should experience a 6 percent increase in 2003. |
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http://www.internetnews.com/IAR/article.php/1568821
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| | IT Contractor Service - Anderson for Freelance Professionals |
| | Our specialised and highly trained team maximise your disposable income by using the most tax efficient methods within UK tax legislation. | | | We assist you with the administration of your company and calculate the correct tax and National Insurance that will be owed to the Inland Revenue from your earnings. | | | Anderson services are designed to minimise the administrative burden required to run your own business by providing a ready-made back office for all of your financial needs. |
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http://www.a4fp.com
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| | Consumer spending dips, Michigan sentiment up - Jun. 28, 2002 |
| | Economists surveyed by Briefing.com expected spending to be flat and income to rise 0.3 percent. | | | The savings rate -- personal savings as a percentage of disposable income -- rose to 3.1 percent from 2.8 percent in April. | | | Economists pointed out that most of the decline was a result of a big drop-off in auto sales, bad weather, and an early Easter that led consumers to spend much more than usual in April, making May look worse in comparison. |
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http://money.cnn.com/2002/06/28/news/economy/economy/index.htm
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| | British Conservative Party: Manifesto for 1997 General Election |
| | Since then, we have cut the basic rate of income tax from 25p to 23p, and extended the 20p band so that over a quarter of all taxpayers now only pay income tax at the 20p rate. | | | We have already cut the basic rate of income tax from 33p to 23p, and our aim is to get it down to 20p, benefitting 18 million taxpayers. | | | Our new lower 20p rate on income from savings directly helps 1.7 million pensioners and the special age allowances raise the point at which pensioners start to pay income tax. |
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http://www.psr.keele.ac.uk/area/uk/man/con97.htm
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| | Statistics of the United States |
| | disposable personal income, per capita income, farm sector income, household income, poverty, household wealth. | | | current population of the U.S., current population of the world, household income, poverty, household wealth, homeownership, 'what's your house worth?' and earnings and field of degree. |
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http://hongkong.usconsulate.gov/usinfo/statis
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| | GROSS VALUE ADDED AND HOUSEHOLD DISPOSABLE INCOME PER HEAD Table 1 |
| | Table 10(b)(i) - Minimum Income Guarantee1 Income Support claimants as a percentage of the 60+ population2 | | | Table 10(a) - Total Income Support claimants as a percentage of the 16+ (16-59)1 population | | | Table 17 - Previously developed land that is vacant or derelict, as a percentage of all developed land |
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http://217.154.27.195/sd/rci/Tables_annex_3.htm
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| | Individual Country Data |
| | View or purchase data on agriculture, business, construction, income and poverty, manufacturing, population, retail trade, services, transportation, wholesale trade | | | See, in particular the Governmental Structure and links to the Prime Minister's web site which includes information on the offices of the Prime Minister, Cabinet, Ministries of Agriculture, Finance, Foreign Affairs, Industry and Trade, and Justice. | | | See also gross state product indices, personal income and other data; Bureau of Economic Analysis (BEA), USDOC |
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http://faculty.philau.edu/russowl/individual.html
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| | [No title] |
| | Represents a measure of income received from all sources during the calendar year by residents of each State. | | | Source: U.S. Bureau of Economic Analysis, Survey of Current Business, Survey of Current Business, May 1999, and unpublished data. | | | Personal Income Per Capita, by State [1998 preliminary. |
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http://www.census.gov/statab/freq/99s0733.txt
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| | Aggreagate Supply |
| | Economic related information on people that includes: income, poverty, labor force, and households. | | | The economy tract provides explanations and data on construction, consumer confidence, employee costs, factory orders, Federal Reserve, GDP, housing, income, leading economic index, prices, productivity, retail sales, related leads (FED) trade, and unemployment. | | | The U.S. Census Bureau provides information on businesses that includes: agriculture, government, international trade, manufacturing, mining, services, and wholesale goods. |
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http://www-personal.umd.umich.edu/~imiteza/supply.html
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| | Mortgage and Loan Calculators - Moneynet.co.uk |
| | Calculates the maximum amount you will be able to borrow for a mortgage based on income | | | Calculates the cost of your existing mortgage and compares it with other products available, showing you how much you could save | | | Calculates the monthly repayments to find out how much a new mortgage will cost |
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http://www.moneynet.co.uk/calculators/index.shtml
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| | St. Louis Fed: Disposable Personal Income, Bil. of $, Monthly, SAAR |
| | A Guide to the National Income and Product Accounts of the United States (NIPA) - (http://www.bea.doc.gov/bea/an/nipaguid.pdf) | | | Categories > Gross Domestic Product (GDP) and Components > Personal Income & Outlays | | | Home > Economic Data - FRED® > Categories > Gross Domestic Product (GDP) and Components > Personal Income & Outlays |
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http://research.stlouisfed.org/fred2/series/DSPI/18
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| | 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) | | | ERS/USDA Briefing Room - Food CPI, Prices and Expenditures - Data tables - Food expenditures by families and individuals as a share of disposable personal income | | | 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. |
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http://www.ers.usda.gov/briefing/CPIFoodAndExpenditures/Data/table7.htm
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