From Market Movers…..

* In 2004 the typical family spent more than 18 percent of its income on debt payments, while 12.2% of families spent more than 40% of their income on debt payments.
* Nearly half of all credit card holders have missed payments in the last year.
* 15 million Americans use a payday lender each month, borrowing at eye-popping APRs: 35 states allow APRs of more than 300%.
* In the Rocky Mountain West (Arizona, Colorado, Idaho, Montana, New Mexico, Utah and Wyoming), the median APR of state usury limits increased from 36% in 1965 to 521% in 2007.
* A household with income under $13,000 spends, on average, $645 a year on lottery tickets, about 9 percent of all income.
* In the Texas Lottery, 18- to 24-year-old players spend a median $50 per month on lottery play, the highest level among all age groups.