[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-325710-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-325710-en":131},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","a-monthly-publication-on-consumer-financial-behavior-financefacts-july-1982","A Monthly Publication on Consumer Financial Behavior - FinanceFacts July 1982","","Monthly FinanceFacts focuses on consumer financial behavior with an initial short series on personal saving in the American economy. It explains how NIPA personal savings is measured from disposable personal income and consumer outlays, highlights key components and limitations of the measure, and reviews sources of domestic savings statistics and recent trends. The issue also summarizes major macroeconomic indicators, including industrial production, capacity utilization, price indexes, and consumer installment credit.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/a-monthly-publication-on-consumer-financial-behavior-financefacts-july-1982/325710/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/a-monthly-publication-on-consumer-financial-behavior-financefacts-july-1982/325710.png","ImageObject",300,407,{"name":42,"@type":43},"Miles","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-27","2026-09-21",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",11,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is NIPA personal savings and how is it calculated?","Question",{"text":63,"@type":64},"NIPA personal savings is calculated by subtracting consumer outlays (mainly personal consumption expenditures and consumer interest to business) from disposable personal income. It represents what remains after taxes and current spending.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What are the main components and limitations of NIPA personal savings?",{"text":68,"@type":64},"Its main components include personal investments in financial assets and investment in personal residences. It excludes purchases of other real assets that would otherwise qualify as savings in an economic sense, since they are not counted as current consumption.",{"name":70,"@type":61,"acceptedAnswer":71},"What happened to industrial production and capacity utilization in May?",{"text":72,"@type":64},"Industrial production edged down an estimated 0.2% in May. Capacity utilization in manufacturing decreased 0.2 percentage point in May to 70.8%.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},325710,1790440312,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,106,111,115,120,123,127],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":102,"doc_module":4,"doc_module_name":25,"category_name":103,"show_sort_weight":104,"slug":105},6,"Technology",50,"technology",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},7,"Healthcare",40,"healthcare",{"id":112,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":113,"slug":114},8,30,"research-report",{"id":116,"doc_module":4,"doc_module_name":25,"category_name":117,"show_sort_weight":118,"slug":119},9,"Religion & Spirituality",20,"religion-spirituality",{"id":118,"doc_module":4,"doc_module_name":25,"category_name":121,"show_sort_weight":118,"slug":122},"World Cup","world-cup",{"id":124,"doc_module":4,"doc_module_name":25,"category_name":125,"show_sort_weight":124,"slug":126},10,"Lifestyle","lifestyle",{"id":128,"doc_module":4,"doc_module_name":25,"category_name":129,"show_sort_weight":97,"slug":130},19,"General","general",{"code":4,"msg":82,"data":132},{"doc_id":79,"user_id":133,"nickname":42,"user_avatar":134,"doc_module":4,"category_id":112,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":97,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":144,"read_time":145,"preview_page_count":4},13056703019404,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","# A Monthly Publication on Consumer Financial Behavior\n\nPersonal Saving as a Percent of Disposable Personal Income1952 -1981  \n195219531954195519561957195819591960196119621963196419651966196719681969197019711972197319741975197619771978197919801981  \nNat ional Consumer Finance Association ChartSource:Department of Commerce and Federal Reserve Board  \nThe contention is often heard thatconsumer savings has lagged in theUnited States in recent years.Compari-sons are made with other countries orwith domestic savings in more \"normal\"times(often the early 1970's are of-fered for comparison).  Causes andeffects of alleged savings shortfallsare debated and \"solutions\"are soughtthrough public action.   These issuesare,of course,very important.  Theconsumer sector is very large in theAmerican economy and provides the ma-jority of the economy's savings.Sincesavings provides the resources forinvestment to enhance productivity andencourage economic growth,the issue ofadequate savings obviously is critical.For this reason this month's FinanceFacts begins a short series on savingsin the American economy.  This firstissue in the series examines sources ofstatistical information on domesticsavings and reviews recent trends in thecommonly available savings measures.  \nJULY 1982  \nThe savings measure most oftenmentioned in press reports is the oneprovided by the Department of Commercein the National Income and ProductAccounts(NIPA personal savings).NIPApersonal savings is calculated by sub-tracting consumer outlays (largelypersonal consumption expenditures andinterest paid by consumers to business)from disposable personal income(per-sonal income after taxes).  Thus,ineffect,NIPA personal savings consistsof what is left of income after sub-tracting taxes and current spending.Its main components are personal invest-ments in financial assets (deposits,securities,life insurance and pensionreserves,etc.)and investment in per-sonal residences.Somewhat anomalously,NIPA personal savings excludes indi-viduals'purchases of other real assetsthat would seem to qualify as savings inan economic sense since these purchasesare not current consumption.  For ex-ample,consumers'net investment in  \nIndex ofIndustrial Productionby months(seasonally adjusted)1973-1982  \nBoard of Governors of the  \nFederal Reserve System  \n## Capacity Utilization -Total Manuf acturing\n\n1981  \nSource:Federal Reserve Board  \n## INDUSTRIAL PRODUCTION\n\nIndustrial production edged down an estimated  \n0.2%in May.This followed declines of 0.8%in eachof two preceding months.  Business equipment andbasic materials output continued to drop sharplywhile production of consumer goods increased for thesecond month in a row.  The index in May was 8.8%below its recent peak in July,setting at 140.3%(1967=100).  \nWithin consumer goods,consumer durable goodsincreased 2.3%in May reflecting a sharp rise inautomotive products.  Autos were assembled at anannual rate in May that was up 10%from the Aprilrate.  Nondurable goods production showed a secondsmall increase in May(0.3%)。  \n## LEADING ECONOMIC INDICATORS\n\nThe composite index of leading indicators in-creased 0.3%in May to a level of 127.7(1967=100)according to preliminary Commerce Department data.This index increased 0.2%in March and 1.3%in Aprilbased on revised estimates.  The preliminary Aprilestimate was an increase of 0.8%.The May increaseis the third in as many months.  Previous to Marchthere were ten successive months of decline or nogrowth in the index.  \nThe composite index of coincident indicatorsdecreased 0.2%in May to 133.7(1967=100)based onpreliminary data.  On the basis of more completedata for April,this index declined 0.9%(prelimin-ary estimate was a decline of 0.4%)and decreased  \n0.6%in March.This index is a monthly approxima-tion of aggregate economic activity.  \n## CAPACITY UTILIZATION\n\nCapacity utilization in manufacturing decreased  \n0.2 percentage point in May to 70.8%。  The manu-facturing operating rate was lower than it has been","cbCaivayQ4P3kcir","https://ap.wps.com/l/cbCaivayQ4P3kcir","pdf",1181979,"English","# FinanceFacts - Savings in the American Economy\n## Measuring NIPA Personal Savings\n## Industrial Production\n## Leading Economic Indicators\n## Capacity Utilization\n## Price Indexes\n## Consumer Installment Credit","[{\"question\":\"What is NIPA personal savings and how is it calculated?\",\"answer\":\"NIPA personal savings is calculated by subtracting consumer outlays (mainly personal consumption expenditures and consumer interest to business) from disposable personal income. It represents what remains after taxes and current spending.\"},{\"question\":\"What are the main components and limitations of NIPA personal savings?\",\"answer\":\"Its main components include personal investments in financial assets and investment in personal residences. It excludes purchases of other real assets that would otherwise qualify as savings in an economic sense, since they are not counted as current consumption.\"},{\"question\":\"What happened to industrial production and capacity utilization in May?\",\"answer\":\"Industrial production edged down an estimated 0.2% in May. Capacity utilization in manufacturing decreased 0.2 percentage point in May to 70.8%.\"}]","A Monthly Publication on Consumer Financial Behavior - FinanceFacts July 1982 | PDF",1789971207,13]