[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-324744-105":59,"doc-detail-324744-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-personal-finance-trends-consumer-installment-credit-household-income-capital-appropriations","FINANCE FACTS - Personal Finance Trends - Consumer Installment Credit - Household Income - Capital Appropriations","","Monthly publication analyzing consumer financial behavior in early 1980, presenting January 1980 highlights on personal income, disposable income, saving, and installment credit. It outlines how 1979 income growth compared with 1978 after adjusting for prices, taxes, and population, and projects 1980 trends in inflation, income, saving, and credit growth. It also reports consumer installment credit levels by type and net changes by institution, then summarizes household income patterns by demographics and education, plus capital appropriations, state personal income, annual budgets, and real earnings.",{"@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-personal-finance-trends-consumer-installment-credit-household-income-capital-appropriations/324744/",{"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-personal-finance-trends-consumer-installment-credit-household-income-capital-appropriations/324744.png","ImageObject",300,407,{"name":92,"@type":93},"Miles","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-27","2026-09-21",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"How did 1979 personal income and disposable income compare with 1978?","Question",{"text":112,"@type":113},"Personal income in 1979 was higher than 1978, but after considering price, tax, and population increases, real per-capita disposable income was only a little over 1% above 1978. Early 1980 estimates were based on incomplete 1979 data.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What were the main installment credit prospects for 1980?",{"text":117,"@type":113},"Prospects for 1980 included lower inflation and slower growth in personal income, saving, and spending. The net change in installment credit as a percent of disposable personal income was expected to be less than 1% in 1980, compared with 2% in 1979 and 3.1% in 1978.",{"name":119,"@type":110,"acceptedAnswer":120},"How does household income vary by age and education?",{"text":121,"@type":113},"Household income rises until the head reaches late middle age and then declines. Education is identified as a major determinant: households headed by those with no further schooling beyond high school form the largest group, while college-completed heads show substantially higher mean income and those with less than eight years of school show substantially lower mean income.","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},324744,1790480403,{"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":39,"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},13056703019404,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","# FINANCE FACTS\n\nA Monthly Publication on Consumer Financial Behavior  \nAny or all the material in this publication may be quoted or reproduced.  \nJANUARY 1980  \n# PERSONAL FINANCE TRENDS\n\nPersonal income at an estimated $1,917 billion in 1979 was approximately  \n11.6%above 1978.When account is taken ofincreases in prices,taxes andpopulation,real per capita disposable personal income in 1979 was littlemore than 1%above 1978 in contrast to over 3%increase for each of thethree preceding years.All estimates made early in 1980 are,of course,based on incomplete data for 1979.  \nPersonal outlays continued to absorb a larger percentage of disposablepersonal income in 1979 than in 1978 while the personal saving ratedeclined.Increased social security taxes,as well as other taxes,held downthe growth in disposable income.  \nLikely prospects for 1980 are some reduction in inflation,and a slowing inthe rate of growth of personal income,saving and spending.The netchange in installment credit as a percent of disposable personal incomewill probably be less than 1%in 1980 in contrast to 2%in 1979 and 3.1%in1978.  \nComparative percentages in installment credit usage to disposable per-sonal income for each of last three years were as follows:  \nPreliminaryEstimate197919781977Consumer installment credit extended19.6%20.5%19.5%Consumer installment credit repaid17.6%17.4%16.8%Net change in consumer installment credit3.1%2.7%  \n# CONSUMER INSTALLMENT CREDIT\n\nTotal consumer installmentcredit at endOctober 1979 was $305.2 billion.Of this amount,$114.9 billion was outstanding in automobile credit,$50.9billion in revolving credit,$17.2 billion in mobile home credit,and $122.2billion in all other credit(consisting of other consumer goods and personalloans).  \nNet increase in installment credit outstanding by type since end October1978 amounted to $39.4 billion.Of this increase,$14.7 billion was inautomobile credit,$8.3 billion in revolving credit,$1.3 billion in mobilehome credit and $15.0 billion in all other credit.  \nNet increase by institution over the year was:commercial banks-16.5  \nbillion;finance companies-$13.7 billion;credit unions-$4.1 billion;and  \nall other-$5.1 billion.  \nBy Education of Head  \nThousands of households  \n## HOUSEHOLD INCOME\n\nIncome of households averaged $17,730 in 1978 according to CensusBureau survey.Nonfarm households which comprised 96.9%of the totalaveraged $17,753—farm households $17,016.Households headed bymales comprised 74.2%of the total and averaged $20,629-householdsheaded by females $9,412.  \nOf the $1,371.0 billion money income of all households in 1978,82.5%ofit went to households headed by persons 25 to 64 years of age.Thesegroups comprised 71.4%of all households.  \nHouseholds income tends to rise until the head of the household reacheslate middle age and to decline thereafter.In 1978,mean income(that isthe total income for the group divided by the number in the group)rosefrom $12,16l for households in which the head was under 25 years of ageto $23,698 for households headed by a person between 45-54 years of age,then declined to $10,291 for households in which the head was 65 years ofage or over.  \nEducation is one of the most important determinants of householdsincome.The largest single group is that in which the household head hascompleted high school but gone no further in school.In 1978,this groupcomprised 33.6%of the households and the mean income was 0.5%belowthat for all households.At the one extreme,where the household headhad completed four or more years of college,there were 18.0%of thehouseholds and the mean income was 53.6%above that for all house-holds.At the other extreme,where the household head had completedless than eight years of school,there were 9.8%of the households and themean income was 46.8%below that for all households.  \n## CAPITAL APPROPRIATIONS\n\nCapital appropriations by country's 1,000 largest manufacturers rosemoderately in third quarter,due entirely to the oil industry,The Confer","cbCaifQVOKHb6iE9","https://ap.wps.com/l/cbCaifQVOKHb6iE9","pdf",1130074,"English","# PERSONAL FINANCE TRENDS\n# CONSUMER INSTALLMENT CREDIT\n# HOUSEHOLD INCOME\n# CAPITAL APPROPRIATIONS\n# STATE PERSONAL INCOME\n# ANNUAL BUDGETS\n# REAL EARNINGS","[{\"question\":\"How did 1979 personal income and disposable income compare with 1978?\",\"answer\":\"Personal income in 1979 was higher than 1978, but after considering price, tax, and population increases, real per-capita disposable income was only a little over 1% above 1978. Early 1980 estimates were based on incomplete 1979 data.\"},{\"question\":\"What were the main installment credit prospects for 1980?\",\"answer\":\"Prospects for 1980 included lower inflation and slower growth in personal income, saving, and spending. The net change in installment credit as a percent of disposable personal income was expected to be less than 1% in 1980, compared with 2% in 1979 and 3.1% in 1978.\"},{\"question\":\"How does household income vary by age and education?\",\"answer\":\"Household income rises until the head reaches late middle age and then declines. Education is identified as a major determinant: households headed by those with no further schooling beyond high school form the largest group, while college-completed heads show substantially higher mean income and those with less than eight years of school show substantially lower mean income.\"}]","FINANCE FACTS - Personal Finance Trends - Consumer Installment Credit - Household Income - Capital Appropriations | PDF",1789968757,13]