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-The average scores in literacy range from 250 in Italy to 296 in Japan. The U.S. average score was 270. (500 was the highest score in all three areas.) Average scores in 12 countries were higher than the average U.S. score.
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Not all credit card debt is created equal, however. Barbara Nusbaum, a New York-based psychologist and consultant for the financial security company Genworth, says taking on credit card debt as part of a bigger plan sometimes can be a smart move. "Education is an important [reason], but you have to be doing it mindfully. Maybe you don't go to the school with a name but a school that will get you what you need," she says. Health care costs and clothes for a job interview could also be smart credit card purchases, she says, because you're investing in your future.
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Good morning if you're just joining us. The main talking point today is the roll-out of Help to Buy, the government's mortgage scheme. Also, it's the last day of the Royal Mail share sale and there is a new £50,000 coin in honour of Prince George's christening.
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HSBC has slashed its number of customers to 55 million from89 million two years ago and the CEO has cut more than 35,000staff - a trend which could continue, reducing headcount to240,000 by 2016 from 259,400 at the end of June.