By CONNIE CASS, Associated Press

Just last fall, Americans were feeling better about their personal finances. Now they’re starting to worry more about how they’ll pay off debts as they feel the nation’s economic recovery wobbling.

With Congress deadlocked over how to deal with the national debt, household debt is causing stress for nearly half the country, according to a new Associated Press-GfK poll. One in five adults worries about debt most or all of the time. If they bought something on a credit card in the past month, more than a third say they won’t pay it off when the bill comes.

The increased stress represents a reversal from last fall’s AP-GfK poll, which found increasing confidence about personal finances. Debt-related stress is up 17 percent from that November survey, bumping such worries back up to levels seen in 2009 and in the spring of last year.

“It’s not that our debt is huge. It’s just hard to make it, month to month,” said Theresa Telford, 45, a teacher’s aide raising four kids with her husband, a sheriff’s deputy. “It seems like everything is going up, but wages aren’t going up.”

Telford is also nervous because she’s watched so many people lose their jobs in her small town of Davenport, Wash., and some of her friends still can’t find work. Although the recession officially ended in June 2009, Americans display little faith in a recovery hobbled by grinding unemployment, slow economic growth, volatile gasoline and food prices and political feuding over how to stem the skyrocketing national debt. Consumer confidence fell to a seven-month low in June in the Conference Board’s survey.

“We’re starting to be fearful again that things may fall apart,” said Paul J. Lavrakas, a research psychologist and AP consultant who analyzed the survey. Lavrakas and other researchers have found that debt can be bad for the health as well as the wallet. Those suffering the most anxiety over their debt are at risk for stress-related illnesses, such as ulcers, depression or heart attacks.

The poll found that households earning more than $75,000 had the biggest increase in debt-related stress since November. But stress levels continue to be highest within the most vulnerable groups: households that have lost jobs, people with family incomes below $20,000, single parents, and adults without high school diplomas. Married moms and adults under 30 years old showed significantly more anxiety than in the fall.

In all, more than 40 million Americans are feeling serious stress over the money they owe, whether it’s for credit cards, mortgages, car loans or other debts, the poll indicates.

It’s a tough period for high school dance instructor James J. Moran of Shelton, Conn. He doesn’t get paid during summer break, except for the occasional dancing or acting jobs he lands.

“For three months I scrape by and I can only afford to make the minimum payments on my credit cards,” said Moran, who owes more than $5,000 on his cards and about $14,000 in student loans. “I put more toward the debts when I can, but when I can’t that’s when I really worry.”

The news isn’t all bleak. Although it ticked upward, the Debt Stress Index based on the AP-GfK poll came in at 29.2, still within the range considered moderately low. Most people say they are handling their credit cards well in lean times.

Nine out of 10 people with credit cards say they trust themselves to handle debt. Most say they use credit cards because they’re more convenient than cash. About half say they charge only what they can afford to pay for at the end of the month.

“Am I going off and buying things right now? No,” said Donald Doane, 53, of Duluth, Minn. Doane said he carries “a little debt but nothing I can’t handle” on a low-interest credit card that he reserves for emergencies and big purchases.

A salesman for Savories Catering in Duluth, Minn., Doane tracks the economy by how much his customers spend on wedding receptions and office parties. “People are spending,” he said, “it’s just that they’re being more frugal.”

Americans have been borrowing less and saving more in response to the Great Recession and its aftermath. Credit card borrowing increased in May, only the second monthly gain since August 2008, according to the Federal Reserve’s latest figures. The total is still down 18.5 percent from its peak in August 2008.

The AP-GfK poll put median credit card debt in June at $800, the same as in November. Average debt was down slightly from November at $3,200. About four in 10 people surveyed owe more than $1,000 in credit card debt. One in every 10 owes $10,000 or more.

Lavrakas said the poll provides a snapshot of the typical American who’s seriously stressed by debt: a working parent, in his or her 30s or early 40s, who doesn’t have a high school diploma and is raising a family on household income of less than $20,000.

Those reporting the highest stress levels were more likely than others to say they had debt due to medical bills, that their financial situation was “very poor,” that they charge things they know they cannot pay off when the bill comes and that they don’t trust themselves to manage their credit cards. They are pessimistic about the future, both because of their personal finances and the nation’s.

“The most stressed people are at the lower financial tiers, and that’s just the reality of their life,” Lavrakas said. “The optimism that some of them may have had last fall didn’t pan out. They’ve sunk into being pessimistic and they have good reason to be.”

Troy Clawson, a disabled former construction worker in Felsenthal, Ark., said he has been worrying more about his debts — his mortgage and car payments, medical bills for himself and his wife, and store credit cards at Wal-Mart and an auto repair shop.

So Clawson, 60, is trying to be more cautious and avoid pulling out his credit cards. “I don’t really like to,” he said, “but sometimes it’s necessary when you’re in a bind.”

The AP-GfK poll was conducted June 16-20 by GfK Roper Public Affairs and Corporate Communications. It involved landline and cell phone interviews with 1,001 adults nationwide, including 715 who have credit cards. Results for the full sample have a margin of sampling error of plus or minus 4.1 percentage points.

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Associated Press writer Stacy Anderson, Polling Director Trevor Tompson, Deputy Polling Director Jennifer Agiesta and News Survey Specialist Dennis Junius contributed to this report.

Online:

Poll results: http://www.ap-gfkpoll.com

 

 

 

How the debt-stress poll was conducted

 

By The Associated Press

The Associated Press-GfK Poll on debt-related stress was conducted by GfK Roper Public Affairs & Corporate Communications from June 16-20. It is based on landline and cellphone telephone interviews with a nationally representative random sample of 1,001 adults, including 715 credit card holders. Interviews were conducted with 700 respondents on landline telephones and 301 on cellular phones.

Digits in the phone numbers dialed were generated randomly to reach households with unlisted and listed landline and cellphone numbers.

Interviews were conducted in both English and Spanish.

As is done routinely in surveys, results were weighted, or adjusted, to ensure that responses accurately reflect the population’s makeup by factors such as age, sex, education and race. In addition, the weighting took into account patterns of phone use — landline only, cell only and both types — by region.

No more than one time in 20 should chance variations in the sample cause the results to vary by more than plus or minus 4.1 percentage points from the answers that would be obtained if all adults in the U.S. were polled. The margin of sampling error for credit card holders is plus or minus 4.8 percentage points.

There are other sources of potential error in polls, including the wording and order of questions.

The questions and results are available at http://www.ap-gfkpoll.com .

 

 


AP-GfK Poll: Most believe allegations about Trump and women
WASHINGTON (AP) — Donald Trump’s behavior has long grated on Carolyn Miller, but the allegations he sexually assaulted women was one factor that helped her decide in the last week to cast her ballot for Hillary Clinton.
“I don’t think she’s a bad person. Trump, I think, is a bad person,” the 70-year-old Fort Myers, Florida, resident said. As for Trump’s accusers, Miller added, “I believe them.” And she said her vote for Clinton is “a default.”

Miller is among the more than 7 in 10 Americans who say in a new Associated Press-GfK poll that they believe the women who say the Republican presidential candidate kissed or groped them without their consent, a verdict that may have turned off enough voters, including some Republicans, to add to his challenges in the presidential race.

 Forty-two percent of Republican voters and 35 percent of Trump’s own supporters think the accusations are probably true. Men and women are about equally likely to think so.

While the poll suggests the wave of allegations about Trump’s treatment of women may blunt the impact of voters’ concerns about Clinton, it was taken before Friday’s news that the FBI will investigate whether there is classified information in newly uncovered emails related to its probe of her private server. Those emails were not from her server, according to a U.S. official who was not authorized to discuss details publicly and spoke on condition of anonymity.

Before the development, the poll found that about half of voters say her use of the private server while she was secretary of state makes them less likely to vote for her. But they were more likely to say that Trump’s comments about women bother them a lot than to say the same about Clinton’s email server, 51 percent to 43 percent.

Since September, Clinton seems to have consolidated her support within her own party and drawn undecided voters such as Miller to her campaign, or at least pushed them away from Trump. The billionaire’s recent trouble with women seems to be one factor preventing him from doing the same.

He feuded with former Miss Universe Alicia Machado after Clinton noted he’d called her “Miss Piggy” for gaining weight while she wore the crown. Days later, a 2005 recording surfaced in which Trump can be heard describing himself sexually assaulting women in a conversation with Billy Bush, then the host of “Access Hollywood.”

Several women have since publicly accused Trump of groping and kissing them without permission, including a People magazine reporter who said Trump attacked her when his wife, Melania, was out of the room.

Trump called his remarks on the video “locker room talk,” dismissed the accusations as “fiction” and said of several accusers that they aren’t attractive enough to merit his attention.

Asked Thursday on Fox News Channel’s “The O’Reilly Factor” whether he thinks he would be ahead were it not for the “Access Hollywood” video, Trump replied, “I just don’t know. I think it was very negative.”

A majority of voters, 52 percent, say allegations about the way Trump treats women make them less likely to vote for him, including a fifth of Republican likely voters. And within that group, only about a third say they will vote for him, with about a third supporting Clinton and the remainder supporting third party candidates.

That may help explain why just 79 percent of Republican in the poll said they’re supporting Trump compared with 90 percent of Democrats supporting Clinton. Trump needs to close that gap to have any shot at victory.

Trump has tried to equate the accusations against him with charges of infidelity and sexual assault leveled for years against his rival’s husband, former President Bill Clinton. Trump has paraded the former president’s accusers before the cameras and accused Hillary Clinton of undermining her husband’s accusers.

The poll shows a majority of voters don’t buy Trump’s attempt at equivalence. Six in 10 say the allegations against the Clintons have no impact on their vote. That’s despite the fact that 63 percent think Hillary Clinton has probably threatened or undermined women who have accused her husband of sexual misconduct.

“The vote will be about Hillary Clinton, not her husband,” said Ryan Otteson, 33, of Salt Lake City, who’s voting for a third-party candidate, conservative independent Evan McMullin.

Valori Waggoner, a 26-year-old from Belton, Texas, said she believes Hillary Clinton probably did intimidate her husband’s accusers, but she said it makes no difference to how Waggoner is voting.

Waggoner was not going to vote for Clinton anyway, because as a doctor, Waggoner said she sees firsthand the inefficiency of the national health care plan that Clinton supports. But the alleged wrongdoing by Trump made her less likely to vote for the Republican. Instead, she’s backing Libertarian Gary Johnson.

The degree of alleged wrongdoing by the Republican and Democratic presidential candidates, Waggoner said, “are not equal.”

Most likely voters in the poll say they think Trump has little to no respect for women, with female voters especially likely to say he has none at all.

Clinton leads female likely voters by a 22 point margin in the poll, and even has a slight 5 point lead among men. In September’s AP-GfK poll, Clinton led women by a 17 point margin and trailed slightly by 6 points among men.

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The AP-GfK Poll of 1,546 adults, including 1,212 likely voters, was conducted online Oct. 20-24, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 2.75 percentage points, and for likely voters is plus or minus 3.1 percentage points.

Respondents were first selected randomly using telephone or mail survey methods and later interviewed online. People selected for KnowledgePanel who didn’t have access to the internet were provided access for free.

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Online:

Poll results: http://ap-gfkpoll.com


AP-GfK poll: Most Trump supporters doubt election legitimacy

By Jonathan Lemire and Emily Swanson

CHARLOTTE, N.C. (AP) — Donald Trump’s dubious claims the presidential election is “rigged” have taken root among most of his supporters, who say they will have serious doubts about the legitimacy of the election’s outcome if Hillary Clinton wins, according to a new Associated Press-GfK poll.

Just 35 percent of Trump’s supporters say they will most likely accept the results of the election as legitimate if Clinton wins, while 64 percent say they’re more likely to have serious doubts about the accuracy of the vote count if the Republican nominee is not the victor.

“Of course I believe it’s rigged, and of course I won’t accept the results,” said Mike Cannilla, 53, a Trump supporter from the New York borough of Staten Island. “It’s from the top: Obama is trying to take over the country, he’s covering up all of Hillary’s crimes and he’s controlling the media trying to make Trump lose.”

“Our only chance on Nov. 9 is if the military develops a conscience and takes matters into its own hands,” Cannilla said.

By contrast, 69 percent of Clinton’s supporters say they’ll accept the outcome if Trump wins. Only 30 percent of the Democratic nominee’s backers express a reluctance to accept the results if the former secretary of state loses on Election Day.

Overall, 77 percent of likely voters say they’ll accept the legitimacy of the results if Trump wins, while 70 percent say the same of a Clinton win.

In the final weeks of the campaign, Trump has made doubts about the integrity of the U.S. election system a cornerstone of his closing argument. Asked directly at the final presidential debate if he would accept the election results, Trump refused, saying: “I will keep you in suspense.”

That extraordinary statement, with its potential to challenge the peaceful transition of power that is a hallmark of the American democracy, did little to harm him with his base of supporters. The poll found that 44 percent of all likely voters say Trump’s stance makes them less likely to support him, but the vast majority of his supporters say it doesn’t make a difference.

“He should fight it all the way,” said George Smith, 51, a Trump supporter from Roswell, Georgia. “Spend weeks in court if he has to. He can’t let it be taken from him. That’s his right.”

Trump has also repeated inaccurate claims that vote fraud is a widespread problem, and the poll finds that most of Trump’s supporters share that concern. Fifty-six percent think there’s a great deal of voter fraud, 36 percent believe there is some, and 6 percent say there’s hardly any.

Most Clinton supporters, 64 percent, think there’s hardly any voter fraud. Overall, just 27 percent of likely voters think there’s a great deal of fraud. A third of voters overall believe there is at least some, while 38 percent say there is hardly any.

While there have been isolated cases of voter fraud in the U.S., there is no evidence of it being a widespread problem. In one study, a Loyola Law School professor found 31 instances involving allegations of voter impersonation out of 1 billion votes cast in U.S. elections between 2000 and 2014.

Beyond allegations of fraud, 40 percent of Trump supporters say they have little to no confidence that votes in the election will be counted accurately. Another 34 percent say they have only a moderate amount of confidence, and just 24 percent say they have a great deal or quite a bit of confidence in the vote count.

Among Clinton supporters, 79 percent say they have a great deal or quite a bit of confidence in the vote count’s accuracy. Many believe Trump should voice support for the electoral system even in defeat.

“Be an adult. Accept the results,” said Shavone Danzy-Kinloch, 37, a Clinton supporter from Farmingville, New York. “If the shoe was on the other foot, he’d expect Hillary to do the same.”

Trump’s supporters are also more likely than others to say they are concerned about hackers interfering with the election. Forty-six percent of them are extremely or very concerned and 37 percent somewhat concerned. Overall, 32 percent of voters say they’re extremely to very concerned and 39 percent somewhat concerned. Among Clinton supporters, 60 percent are at least somewhat concerned.

Although the poll shows many Trump supporters would have doubts about a Clinton win, the poll shows relatively little acute concern that claims of inaccuracy and voter fraud could prevent Americans overall from accepting the results. Just 30 percent of likely voters are extremely or very concerned about that, while another 40 percent are somewhat concerned.

Twenty-nine percent say they’re not very or not at all concerned.

“If she wins, we’re all going to have live with it,” said Daniel Ricco, 76, a Trump supporter from Milford, Connecticut. “It won’t be good for the country, but there’s nothing we can do.”

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The AP-GfK Poll of 1,546 adults, including 1,212 likely voters, was conducted online Oct. 20-24, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 2.75 percentage points, and for likely voters is plus or minus 3.1 percentage points.

Respondents were first selected randomly using telephone or mail survey methods and later interviewed online. People selected for KnowledgePanel who didn’t have access to the internet were provided access for free.

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Online:

Poll results: http://ap-gfkpoll.com

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Swanson reported from Washington.

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Follow Jonathan Lemire and AP Polling Editor Emily Swanson on Twitter at: http://twitter.com/JonLemire and http://twitter.com/El_Swan