[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-321428-105":59,"doc-detail-321428-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","finance-facts-a-monthly-publication-on-consumer-financial-behavior-issue-90","FINANCE FACTS - A Monthly Publication on Consumer Financial Behavior - Issue 90","","Finance Facts is a monthly publication summarizing consumer financial behavior through timely U.S. economic indicators. The issue focuses on upper-income households, highlighting income distribution and how labor force participation and education relate to earnings levels. It also covers balance of payments trends, employment conditions, consumer credit and mortgage costs, and changes in low-income women and poverty counts between 1975 and 1976.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/finance-facts-a-monthly-publication-on-consumer-financial-behavior-issue-90/321428/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/finance-facts-a-monthly-publication-on-consumer-financial-behavior-issue-90/321428.png","ImageObject",300,407,{"name":92,"@type":93},"Himbo","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-13","2026-09-21",true,{"@type":102,"interactionType":103,"userInteractionCount":34},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What does this issue say about U.S. upper income households?","Question",{"text":112,"@type":113},"Upper-income families are concentrated at higher spending power, with income levels linked to labor force participation and education. The text emphasizes the rise in households with two or more earners and the role of employed women.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What were the key changes in merchandise trade during fourth quarter 1977?",{"text":117,"@type":113},"The issue states that imports exceeded exports by $8.9 billion (seasonally adjusted). It notes the deficit increase was driven largely by lower exports, with exports declining compared with the prior quarter.",{"name":119,"@type":110,"acceptedAnswer":120},"How does the issue describe consumer credit and home mortgage costs?",{"text":121,"@type":113},"It reports total consumer installment credit of $216.6 billion and breaks down outstanding amounts by credit category and holder type. It also states that average effective interest rates on conventional home mortgages rose from early December 1977 to early January 1978.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},321428,1790470545,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":34,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":24,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":144,"preview_page_count":4},687197100911,"https://ap-avatar.wpscdn.com/avatar/a000239b6f1da00475?x-image-process=image/resize,m_fixed,w_180,h_180&k=1785132997149421697","# 90\n\nFINANCE FACTS  \nA Monthly Publication on Consumer Financial Behavior  \nAny or all the material in this publication may be quoted or reproduced.  \nMARCH 1978  \n## U.S.UPPER INCOME FAMILIES\n\nFamilies with incomes of $22,000 or more,the 20%of all families withhighest annual earnings,now number 11.1 million,according to TheConference Board.Top fifth of population has an average income of$33,000,and they account for more than 40%of total consumer spendingpower.In 1965,top 20%numbered some 9.6 million families and earnedminimum income of $19,800 in 1975 dollars.In 1955 this group totaled  \nU.S.Upper Income Families  \nTuul  \nTop Twenty  \nFmllet  \nPercant  \n1975  \n179  \n\n| 11.1  \u003Cbr>5.7  \u003Cbr>Families (mllona)   |\n| --- |\n| 57200  \u003Cbr>Family Income,minimum(1975 dolars)   |\n| Ago of Head   |\n| 0.8%  \u003Cbr>7.6%  \u003Cbr>Under 25  \u003Cbr>25  \u003Cbr>19.3  \u003Cbr>65-over  \u003Cbr>5.9   |\n| Eeizn   |\n| 7.4%  \u003Cbr>21.8%  \u003Cbr>Elementary school or ies  \u003Cbr>15.4  \u003Cbr>Some high school  \u003Cbr>33.4  \u003Cbr>High school graduate  \u003Cbr>13.0  \u003Cbr>Some oolege  \u003Cbr>358  \u003Cbr>College graduate  \u003Cbr>16.3   |\n| Mumber of Earmars   |\n| No earners  \u003Cbr>1.0%  \u003Cbr>22.1  \u003Cbr>One earner  \u003Cbr>44.4  \u003Cbr>Two earners  \u003Cbr>14.3  \u003Cbr>32.5  \u003Cbr>Three or more  \u003Cbr>Whe in paid laour force  \u003Cbr>54.2%  \u003Cbr>43.2%  \u003Cbr>45.8  \u003Cbr>56.8  \u003Cbr>Wile noi in paid tabor force   |\n\n8.4 million families with minimum earning equivalent to $14,900 in 1975dollars.  \nOne of the more important changes in characteristics of upper incomegroup is rise in proportion of families with two or more membersreceiving paychecks.Of these families 77%have at least two persons inlabor force,while only 22%have single earner.Usually the additionalwage earner is working wife.In some 54%of all homes in this group,thewoman is employed.Education is another important determinant ofincome in this group.Almost 53%of heads of homes have had at leastsome exposure to college,compared to national figure of 29%.  \nSoure4:US Dopmtnent o Commare;The Conbuence Board.  \nChanges in the Labor Force andSelected ComponentsJaruary 1977to January 1978fsesonaly adjusted)  \nAlmost a third of all top income families are in 45-54 age class,comparedwith 28.4%in mid-fifties.Ratio of this age group to total population hasremained unchanged,but larger proportion of age group is in higherincome bracket.The 35-44 age group among upper income families hasdeclined over the years.Of the economic elite,some 97%of families areheaded by males and only 3%by females,while 13%ofnation's homes areheaded by women.Only 5%of economic elite consist of black and othernonwhite homes,while these homes account for over 11%of country'stotal families.  \n## BALANCE OF PAYMENTS\n\nUnited States merchandise imports exceeded exports by $8.9 billion,seasonally adjusted,in fourth quarter 1977,according to preliminaryestimates.This figure compares with $7.6 billion in third quarter.The  \n$1.3 billion increase in merchandise trade deficit in fourth quarter wasdue almost entirely to lower exports.Exports declined 4%to $29.5billion,as 5%decrease in volume more than offset price increases.  \n## EMPLOYMENT SITUATION\n\nCivilian labor force at 99.1 million,seasonally adjusted,was essentiallyunchanged during January.Over the past year civilian labor force hasincreased by about 3 million,with adult women accounting for more thanhalf of growth.Overall civilian labor force participation rate was 62.8%.  \nNumber of unemployed persons amounted to 6.2 million,seasonallyadjusted,in January.Number was little changed from December figureafter declining markedly in November.Unemployment rate at 6.3%remained at about the level reported for December but was 1.1 percent-  \nFINANCE FACTS  \nMARCH 1978  \nage points lower than January 1977 and lowest reported since October1974.  \n## CONSUMER CREDIT\n\nTotal consumer installment credit at end December 1977 was $216.6billion,according to Federal Reserve figures.Commercial banks held$105.3 billion outstanding,finance companies $44.0 billion,other finan-cial lenders $46","cbCaitlYND5qGT41","https://ap.wps.com/l/cbCaitlYND5qGT41","pdf",1517143,"English","# U.S. Upper Income Families\n# Balance of Payments\n# Employment Situation\n# Consumer Credit\n# Home Mortgage Costs\n# Women With Low Incomes\n# Personal Income","[{\"question\":\"What does this issue say about U.S. upper income households?\",\"answer\":\"Upper-income families are concentrated at higher spending power, with income levels linked to labor force participation and education. The text emphasizes the rise in households with two or more earners and the role of employed women.\"},{\"question\":\"What were the key changes in merchandise trade during fourth quarter 1977?\",\"answer\":\"The issue states that imports exceeded exports by $8.9 billion (seasonally adjusted). It notes the deficit increase was driven largely by lower exports, with exports declining compared with the prior quarter.\"},{\"question\":\"How does the issue describe consumer credit and home mortgage costs?\",\"answer\":\"It reports total consumer installment credit of $216.6 billion and breaks down outstanding amounts by credit category and holder type. It also states that average effective interest rates on conventional home mortgages rose from early December 1977 to early January 1978.\"}]","FINANCE FACTS - A Monthly Publication on Consumer Financial Behavior - Issue 90 | PDF",1789959282,13]