- Áú¹®³»¿ë - Is this a temporary or permanent position? i need a 5000 personal loan with bad credit To be affected by interest-rate shifts, a household needs to have financial resources and retirement savings. "There appears to be a very limited impact of a low-yield-rate environment on retirement income adequacy for those in the lowest- (pre-retirement) income quartile," EBRI reported. People in this group depend almost entirely on Social Security, in which payments in inflation-adjusted terms are not affected by interest rates.
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