8 HAL TERJANGKAU BAGI ORANG KAYA

8 HAL TERJANGKAU BAGI ORANG KAYA

8 HAL TERJANGKAU BAGI ORANG KAYA

8Hal Terjangkau Bagi Orang KayaMasyarakat kelas menengah kerap disebut penolong perekonomian negara. Namun itu masa lalu. Kalangan Orang Kaya Baru (OKB) ini mulai menghadapi masalah. Segala kebutuhan yang dulu terjangkau, kini semakin sulit didapat.

Gaji yang stagnan, semakin mahalnya harga barang, dan pengaruh politik dituding menjadi pemicu berkurangnya daya beli para OKB. Untuk mendapatkan tambahan penghasilan pun bukan perkara mudah lagi.

Alhasil, sejumlah kebutuhan yang dulu bisa dibeli, kini seakan berubah menjadi barang mahal bagi masyarakat kelas menengah.

Berkaca dari kondisi yang melanda Negeri Paman Sam, berikut adalah 8 barang atau jasa yang sudah tidak mampu lagi dijangkau oleh masyarakat kelas menengah di AS:

1. Liburan

Liburan menjadi kebutuhan tambahan yang tidak bisa lagi dinikmati kelas menengah di AS tanpa mengorbankan sesuatu yang lain. Sebuah survei tahun 2014 menyebutkan 54 persen kelas menengah menangguhkan membeli barang besar seperti TV atau alat elektronik, sehingga mereka bisa pergi berlibur. Lainnya membuat pengorbanan seperti mengurangi atau menghilangkan biaya ke bioskop (47%), mengurangi atau menghilangkan biaya ke restoran (43%), atau tidak membeli pakaian baru (43%).

Bahkan karena lingkungan kerja yang kompetitif dan sibuk saat ini membuat para pekerja rela melewatkan liburan demi mendapatkan uang tambahan.

2. Mobil Baru

Sementara banyak konsumen yang merasakan kemudahan dalam membeli kendaraan baru, laporan dari Interest.com menunjukkan banyak rumah tangga yang mengeluarkan uang dolar lebih dari yang seharusnya. Dari 25 kota terbesar di negara itu, Washington DC adalah satu-satunya tempat di mana keluarga benar-benar bisa membeli mobil baru, menurut perhitungan sederhana.

3. Pinjaman Pendidikan

Karena pinjaman pendidikan sangat mudah didapatkan di Amerika, hampir setiap warga di sana bisa berkuliah. Namun, pinjaman tersebut bisa jadi sulit terjangkau dalam jangka panjang jika Anda terlalu lama dalam memburu gelar. Meski lulusan perguruan tinggi lebih mudah dalam mencari pekerjaan dan memiliki pendapatan yang lebih tinggi dari lulusan sekolah menengah, anggota kelas menengah yang terlalu lama kuliah akan melihat pinjaman pendidikan sebagai pembawa malapetaka pada anggaran belanja mereka.

Bank Sentral AS, The Federal Reserve melaporkan tingkat kredit macet pinjaman pendidikan kira-kira dua kali lebih tinggi dari kartu kredit yang rata-rata 8,4 persen.

4. Tabungan Darurat

Hampir setengah dari orang Amerika tidak punya tabungan darurat. Menurut survei Bankrate.com, 18% responden tidak memiliki tabungan apa-apa, sementara yang lain 28% menyisihkan tidak lebih dari 5% pendapatan mereka.

Sebuah laporan terpisah Bankrate.com menemukan hanya 38% orang Amerika memiliki cukup uang di tabungan atau giro untuk keadaan darurat. Jika keadaan darurat keuangan muncul, 22% warga AS berencana untuk menutupi tagihan dengan mengurangi belanja di tempat lain, 16% mengatakan mereka akan meminjam uang dari keluarga dan teman-teman, dan 12% mengharapkan kartu kredit untuk mengatasinya – sebuah langkah yang berpotensi menyebabkan masalah yang bahkan lebih besar.

5. Tabungan Pensiun

National Institute on Retirement Security (NIRS) mengungkapkan beberapa statistik yang paling menyedihkan pada saat warga AS pensiun. Di semua rumah tangga usia kerja Amerika, saldo rekening pensiun mereka rata-rata hanya US$ 2.500. Rumah tangga yang mendekati usia pensiun memiliki rekening rata-rata US$ 14.500 – sebuah angka yang bahkan tidak cukup untuk memenuhi kebutuhan satu tahun seorang pensiunan.

Menurut laporan terbaru dari Transamerica Center for Retirement Studies (TCRS), 20% dari seluruh pekerja berharap untuk terus bekerja selama mungkin dalam posisi mereka saat ini atau serupa sampai mereka tidak bisa bekerja lagi, dan 41% membayangkan transisi saat pensiun dengan mengurangi jam kerja mereka atau bekerja dalam kapasitas yang tidak terlalu menuntut. Hanya satu dari lima pekerja berencana untuk segera berhenti bekerja dan sepenuhnya pensiun ketika mereka mencapai usia atau tabungan tertentu.

6. Layanan Kesehatan

Layanan kesehatan adalah kebutuhan dasar dan diharapkan akan terjangkau bagi seseorang dengan penghasilan menengah. Sebuah artikel Forbes menerbitkan data yang menunjukkan bahwa pekerja di perusahaan besar – banyak di antaranya adalah anggota dari kelas menengah – harus membayar hampir US$ 5.000 untuk premi dan biaya asuransi lainnya.

Selama beberapa tahun terakhir, biaya ini berdampak besar pada orang Amerika yang bekerja. Sebuah laporan mengejutkan oleh Feeding America menemukan bahwa 66% rumah tangga mengatakan mereka dihadapkan pada pilihan antara membiayai makanan dan membayar layanan kesehatan. Dan sebanyak 31% mengatakan mereka harus membuat pilihan tersebut setiap bulan.

7. Kesehatan Gigi

Menurut US Department of Health and Human Services, ” pemerintah AS menghabiskan dana sekitar US$ 64 miliar setiap tahun untuk perawatan kesehatan mulut – dan hanya 4 persen yang ditalangi oleh program pemerintah.” Sekitar 108 juta orang di AS tidak terjangkau oleh kebijakan perawatan gigi pemerintah. Bahkan orang-orang yang sudah terjangkau pun mungkin mengalami kesulitan dalam mendapatkan perawatan yang mereka butuhkan, departemen melaporkan.

Sehingga warga AS hanya membeli asuransi medis tanpa menyertakan asuransi kesehatan gigi karena sangat mahal. Selain itu asuransi gigi mungkin hanya mencakup 50% dari biaya perawatan yang lebih mahal, seperti pemasangan crown dan bridge tiruan.

8. Gaji

Hampir sepertiga dari rumah tangga yang mendapat penghasilan US$ 75.000 atau lebih dalam satu tahun kadang mendapat digaji kadang tidak. Sementara sebuah laporan terpisah dari Brookings Institution menemukan bahwa sekitar 38 juta rumah tangga di AS hidup apa adanya dengan penghasilan pas-pasan.

BACA JUGA :

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  7. CAB 토토 사이트 홍보를 해 왔던 총판입니다.
    작년12월부터 총판 수익금 526만원을 못받아서
    이렇게 먹튀 사이트에 글을 올리게 됐습니다,
    홍보를 꾸준히 해 오다가 홍보 방법이 막혀서 사전에 CAB운영진의 양해를 구해서
    7-8개월동안 홍보방법을 찾기위해 홍보를 못했습니다,
    그러다 올해 5월부터 홍보방법을 찾아서 홍보를 하다가
    도메인이 유해 사이트로 떠서 새로운 도메인 셋팅을 해 달라고 부탁드렸더니
    충분히 기다릴만큼 기다렸다고 도메인 셋팅을 안해주더군요,,
    홍보 준비하는 기간동안에 수익금은 500만원이 넘어 있었고,나는 정산금보다
    홍보를 계속하고 싶었는데,
    갑자기 도메인 셋팅을 안해준다고 하니,,,황당하더군요
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    정산금 주기 싫어서 같이 일을 못하겟다고 하니,,,이게 먹튀가 아니고 뭔가요?
    내가 이렇게 글을 올리는것도 사전에 CAB운영진에 미리 얘기를 드렸고,마음대로 하라고 하면서
    관리자 비번과 텔레그램까지 차단했고,CAB 사이트에 자세히 알아보니,일반 유저 먹튀도 여러건 발견되어
    이대로 나두면 안되겠다는 생각이 들어 이렇게 글을 올립니다.
    일단 저와 제가 아는 동생이 CAB에서 놀았던 입금 계좌를 경찰에 아는분한테 제출을 할겁니다.
    지금 CAB을 이용하고 계신분이나 이용하실분들은 나중에 통장 계좌가 노출되어 경찰 조사를 받는일이
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    가능하면 다른 사이트 이용을 부탁드립니다!!

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