THE IOU LIST

By
Real Estate Agent with RE/MAX Realty Center

 

I came across this list the other day of countries, ranked according to their credit card balances, from lowest to highest and thought it was interesting.

 

1.  Netherlands   (Among the Dutch, 87% owe one week's salary or less.  Why so responsible?  They use debit cards almost exclusively ,and see no real need for credit cards!)

2.  Spain

3.  China

4.  Germany

5.  Brazil

6.  United States  (It's often reported that Americans owe an average of $8000 on their cards.  But, the high number comes from a few big spenders who owe huge sums.  The more typical US balance is $3000.  What's really surprising?  27% of Americans don't even have credit cards!)

7.  Canada

8.  United Kingdom and Austrialia (tied)

9.  India

10.  Russia   (In Canada, Russia, and the UK, people over 45 have much higher balances on their cards than younger people do.  In Russia, 36% of older respondents owe more than 6 months salary, the highest percentage in the survey).

11.  France

12.  Malaysia

13.  Phillipines and Singapore (tied)

14.  Italy

 

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And, as always, if you need real estate assistance in Waukesha County, Milwaukee County, or anywhere in SE Wisconsin, please don't hesitate to contact me, Kristin Johnston , at kjohnston@remax.net .  Please make sure to visit my personal website as well at http://www.kristinjohnston.com and find everything from online markets , Buyer and Seller information, property searches , testimonials , calculators , my blog and more.

I am proud to be a full time real estate professional and Waukesha County Realtor.  I look forward to the opportunity to work with you in the purchase or sale of your next home!  Contact me today!

Contact Kristin Johnston, Remax Realty Center, Realtor, Waukesha, WI (Waukesha and Milwaukee Counties and All Of SE Wisconsin!).  

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Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

SUzy, I thought the very same thing!

Nov 23, 2009 12:57 AM #5
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Steve, yes, you are correct....

Nov 23, 2009 12:58 AM #6
Rainmaker
564,223
Steve, Joel & Steve A. Chain
Chain Real Estate Investments & Mortgage, Steve & Joel Chain - Cottonwood, CA

Kristin,  I appreciate you sharing. This provides a great global perspective on how people view debt.

Nov 23, 2009 01:42 AM #7
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Thanks so much Steve!

Nov 23, 2009 01:54 AM #8
Rainmaker
319,542
Goodbye Active Rain
Out of Real Estate

Kris: credit cards should be outlawed.  One big cause for our extrodinary debt problem...credit.

Nov 23, 2009 02:53 AM #9
Rainmaker
781,555
Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

Hey, Kristin!  Love the ECONOMICS in this post!  I am curious where Japan fits in all this.  I would have guessed that they would have been among the lowest in the world. (Consider that an assignment Ms. Johnston-no running to your HTH for the answer!!!)  ^_~

 

Nov 23, 2009 02:58 AM #10
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Tony, you are right buddy!

Nov 23, 2009 03:43 AM #11
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Good question  Bruce....I am sure you will research it and get back to me :-)

Nov 23, 2009 03:44 AM #12
Rainmaker
781,555
Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

Kristin, you sure didn't fall off the turnip truck on your way into town this morning.  I forgot I was dealing with a crafty Badger!

Nov 23, 2009 05:07 AM #13
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Bruce, and don't you forget it LOL!!

Nov 23, 2009 06:00 AM #14
Rainmaker
781,555
Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

Do IOU an apology for doubting your craftiness?

Nov 23, 2009 06:37 AM #15
Rainmaker
1,921,168
Tom Braatz Waukesha County Real Estate 262-377-1459
Coldwell Banker - Oconomowoc, WI
Waukesha County Realtor Real Estate agent. SOLD!

Kristin

Interesting; I don't use credit cards either. If I can't pay cash for it, or my $8,000 a day limit on my debit card does not cover it i don't need it.

Nov 23, 2009 07:15 AM #16
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Bruce, you are so silly !  No of course not...by the way, did you find out yet ?

Nov 23, 2009 07:20 AM #17
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Tom, what that is some limit you got  LOL!

Nov 23, 2009 07:21 AM #18
Rainmaker
437,735
Gina Tufano
Ask Gina & Company with Pearson Smith Realty - Sterling, VA
Ask Gina & Company, Northern Virginia Real Estate

Thanks for sharing this very interesting information! I passed it along to my assistant who happens to be half Dutch!

Nov 23, 2009 09:16 AM #19
Rainmaker
781,555
Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

Kristin, doesn't it state in the AR guidelines in section 102.4 that, "The postER must answer all questions by the PostEE when not included in the original post concerning matters of credit and loans." ?   0_0

 

 

Nov 23, 2009 10:43 AM #20
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

YOu are most welcome Gina!

Nov 23, 2009 01:43 PM #21
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Bruce, you really are something else! I can't stump you, huh?  :-)

Nov 23, 2009 01:44 PM #22
Rainmaker
781,555
Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

Kristin, I am absolutely stumped!!!!!  I have had no luck in my search. 

HAVE A GREAT THANKSGIVING WITH YOUR FAMILY UP IN THE BEAUTIFUL NORTHLAND!!!!!  Make sure you allow your HTH time to rest and relax-he has earned it(as have you)!  ^_^

 

Nov 23, 2009 11:56 PM #23
Rainmaker
3,129,903
Kristin Johnston - REALTOR®
RE/MAX Realty Center - Waukesha, WI
Giving Back With Each Home Sold!

Thanks Bruce!  I will only be with him a few hours on Thanksgiving, then he goes deer hunting until Sunday :-(  HOpe he doesn't get anything again!

Nov 24, 2009 01:17 AM #24
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Rainmaker
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Kristin Johnston - REALTOR®

Giving Back With Each Home Sold!
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