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Page 6B NATION (ast 2regonian Saturday, -anuary , What 2016 will do to your checkbook $ preYiew of personal ¿ nanFe in the new year By SARAH SKIDMORE SELL AP Business Writer Wondering how you will IDre ¿ nDnFiDlly in " Below are what experts think next year will hold Ior ¿ nan Fial Patters Flose to hoPe Raises, rent, gas, food and health. Will you get a raise next year? Maybe. Wage growth has been perhaps the Mob Parket¶s biggest weakness sinFe the reFession ended. 3ay inFreases haYe been both slow and uneYen, highly dependent on your ¿ eld of ePployPent. $nd for Pany, it has not been enough to keep paFe with the Fost of liYing. ,n 1oYePber, aYerage hourly earnings FliPbed . perFent froP a year earlier, aFFording to the goYernPent¶s Post reFent report. But that is only about twothirds the roughly . perFent typiFally seen in a strong eFonoPy. Many eFonoPists are optiPistiF $PeriFans¶ pay will start growing faster soon beFause hiring has been good and layoffs haYe been low. But that¶s been the Fase for a while, and wages haYen¶t taken off yet. -oseph /a9orgna, Fhief 8.6. eFonoPist at 'eutsFhe Bank, is not expeFting PaMor gains ahead. He notes that Peasures that inFlude a broader Pix of FoPpensation beyond hourly wages show there¶s eYen less growth in pay than it seePs. ³,¶P not FonYinFed things are going to grow as PuFh as , would like theP to,´ he said. Will my rent go up? <es, Post likely. ,t¶s been a tough few years for 8.6. renters beFause dePand has outpaFed supply, Fausing priFes to rise. Rents inFreased . perFent in 2Ftober, . perFent in 6eptePber and . perFent in $ugust, aFFording to real estate data ¿ rP =illow. 7he Pedian rental payPent nationwide was , in 2Ftober, roughly perFent of the Pedian 8.6. faPily inFoPe and high enough for the goYernPent to Fonsider it ¿ nanFially burdensoPe. 2Yer the past deFade, that nuPber of renters spending oYer this threshold on rent has MuPped froP . Pillion to . Pillion, or perFent of all renters. 7here are Pore rent inFreases antiFipated ahead. ³Rents are expeFted to rise in Yirtually all PaMor Fities in ,´ said HessaP 1adMi, senior exeFutiYe YiFe pres ident with FoPPerFial real estate serYiFes ¿ rP MarFus MilliFhap. 6oPe sPall Fonsolation While rents will still rise, the paFe of rent growth will slow Podestly froP the exFeptional leYels set in as new FonstruFtion Freates Pore housing FoPpetition, Nadji says. Will gas prices stay low? <es, Post likely. 2il priFes haYe pluP Peted oYer the last year, a result of high global supplies and weaker dePand than expeFted. 8.6. driYers are paying less than a gallon on aYerage for the ¿ rst tiPe sinFe the *reat ReFession. 6easonal faFtors and Yolatile oil priFes will push priFes up and down throughout the year, but oYerall priFes are expeFted to rePain low FoPpared with reFent years. 7he (nergy 'epartPent foreFasts an aYerage of . a gallon next year, whiFh would be the lowest annual aYerage sinFe . 7oP .lo]a, head of energy analysis at the 2il 3riFe ,nfor Pation 6erYiFe, said driYers should expeFt lower lows and higher highs at the puPp in the year ahead, but he doesn¶t expeFt the priFe of a gallon of gasoline to go oYer at any tiPe in . “Nationally we are looking at a year that is Yery siPilar to the year we are ending,´ .lo]a said. What about food? New year, saPe dish. )ood priFes should rise at a rate near the historiFal aYerage, aFFording to the 86'$¶s foreFasts. The United States 'epartPent of $griFulture¶s (FonoPiF ResearFh SerYiFe antiFipates the priFe for food will be up to perFent for , saPe as and in line with the year histor iFal aYerage of . perFent. That inFludes food people FonsuPe at hoPe and out at restaurants. $nneParie .uhns, an eFonoPist at the (RS, said that Fertain food priFes were off this year due to unusual eYents, suFh as the aYian inÀ uen]a that led to the death of Pillions of birds and sent egg priFes up roughly perFent. /ooking ahead, she and fellow eFonoPists antiFipate these priFes Pay leYel off in ² assuPing Fooperation froP Mother Nature. Will my health insurance cost more? 3robably. 3eople buying their own FoYerage through the exFhanges Freated by the $ffordable &are $Ft should see prePiuPs go up faster in than in preYious years, said &ynthia &ox, assoFiate direFtor of health reforP and priYate insuranFe at the .aiser )aPily )oundation. $FFording to .aiser researFh, if you do not shop around and let your plan passiYely renew, the prePiuPs for the lowest silYer leYel plan ²the Post popular on the exFhange ² will inFrease perFent on aYerage next year. ,f you are willing to switFh, prePiuP inFreases are expeFted to be ]ero to perFent. This is beFause the exFhange is set up to enFourage shopping around. These inFreases apply only to people who are reFeiYing subsidies to help pay for the insuranFe. )or those who do $nd while .aiser does not foreFast ePployersponsored plan priFe Fhanges, it does not antiFipate any unusual hikes in health Fare Fosts that tend to push up insuranFe priFes. HoweYer, ePployees Pay end up paying Pore out of poFket for deduFtibles, FopayPents and other expenses they are respon sible for, depending on their ePployer¶s plan. ²²² Follow Sarah Skidmore Sell at www.twitter.com/ sarahssell . Her work can be found at http://bigstory. ap.org/journalist/sarah-skid- more-sell . not, the inFrease is expeFted to be perFent. &ox added that shoppers should also update any personal inforPation ² suFh as Fhanges to your faPily si]e or inFoPe ² whiFh Fan iPpaFt what they pay. “,t¶s Yery iPportant to go baFk online and shop eYery year,´ &ox said. “This is still an eYolYing Parket ² there are new insurers FoPing in and other insurers leaYing. The only way to ¿ nd the best priFe is to go online or naYigate through a broker.´ ( P p l o y e r s p o n s o r e d plans prePiuPs inFreased about perFent this year. .now your presidential Fandidates JEB BUSH Is he the candidate for you? MIKE HUCKABEE Things to know Born in Texas as John Ellis Bush, shortened to the nickname Jeb Met his future wife Columba, a native of Mexico, during a high school exchange program Find Bush online Website http://www.Jeb2016.com Worked for father George H.W. Bush’s 1980 and 1988 presiden- tial campaigns Colorful hashtag #AllInForJeb BEN CARSON Is he the candidate for you? YES You want a doctor to fix the IF: nation’s health care problems. You’re looking for more civility on NO politics. Carson once compared IF: President Barack Obama’s health care law to slavery. A famed pediatric neurosurgeon whose life story was made into a TV movie. Things to know Raised in Detroit by a divorced, impoverished mother Find Carson online Website http://www.bencarson.com Colorful hashtag #BC2DC16 CHRIS CHRISTIE Spent 29 years as director of pediatric neurosurgery at Johns Hopkins in Baltimore Was first surgeon to successfully separate twins joined at the head Is he the candidate for you? YES You like letting students in IF: struggling districts attend other public schools or charter schools. NO You oppose raising the age when IF: future retirees can qualify for Social Security and Medicare. He’s the famously blunt-spoken GOP governor of deeply Democratic New Jersey. Things to know Born in Newark to an Irish father and a Sicilian mother Won dozens of public corruption cases as a U.S. attorney Find Christie online Website http://www.chrischristie.com Marred by “bridgegate” scandal, in which aides allegedly tied up bridge traffic as political payback Colorful hashtag #TellingItLikeItIs Is she the candidate for you? He’s a former Arkansas governor who made a White House run in 2008. Met future husband Bill Clinton while at Yale Law School After serving as first lady, was elected to U.S. Senate represent- ing New York Find Clinton online Website http://www.hillaryclinton.com Colorful hashtag #Hillary2016 TED CRUZ Son of a firefighter, born in Hope, Arkansas Governor of Arkansas 1996-2007; later hosted political talk show on Fox News Channel Website http://www.mikehuckabee.com Lost Democratic nomination to Barack Obama in 2008; became Obama’s secretary of state Is he the candidate for you? He’s a Republican senator who pushed a federal government shutdown to fight “Obamacare.” Things to know Born in Canada to a Cuban father and American mother Was a winning debater at Princeton, Harvard Law School Website Has argued nine cases before the U.S. Supreme Court Colorful hashtag #CruzCrew Pataki ends White House bid B(R/,N, N.H. $3 ² )orPer New <ork *oY. *eorge 3ataki has ended his bid for the RepubliFan presidential noPination, with just oYer a Ponth to go before the ¿ rst noPi nating Fontests begin. 3ataki Pade the announFePent in an ad that aired on loFal NB& af¿ liates in New HaPpshire, ,owa and South &arolina Tuesday night. “While tonight is the end of Py journey for the White House as , suspend Py FaPpaign for president, ,¶P Fon¿ dent we Fan eleFt the right person, soPeone who will bring us together and who understands that politiFians, inFluding the president, Pust be the people¶s serYant and not their Paster,´ said 3ataki, . Things to know At age 26, became the youngest person ever elected to the Ohio Senate Served 18 years in Congress, working with lawmakers of both parties to balance federal budget Find Kasich online Website http://www.johnkasich.com Unsuccessfully ran for president in 2000; elected governor in 2010 Colorful hashtag #Kasich4Us Enduring the candidacy race When the current crop of presidential hopefuls got into — and out of — the race: ENDED RACE BEGAN RACE NAME March 23 Ted Cruz Rand Paul Hillary Clinton April 7 April 12 April 13 Marco Rubio Bernie Sanders Ben Carson Carly Fiorina Mike Huckabee Rick Santorum George Pataki April 30 May 4 May 4 May 5 May 27 May 28 May 30 Lindsey Graham June 1 Lincoln Chafee June 3 June 4 Rick Perry June 15 Jeb Bush June 16 Donald Trump June 24 Bobby Jindal June 30 Chris Christie July 2 Jim Webb July 7 Jim Gilmore July 13 Scott Walker July 21 John Kasich Martin O’Malley DAYS IN RACE* — — — — — — — — — — — Dec. 21 Oct. 23 Democrat RAND PAUL Republican 273 258 253 252 235 231 231 230 208 207 205 203 152 Sept. 11 — — 109 189 188 Nov. 17 — Oct. 20 — Sept. 21 — 156 174 120 167 80 153 M Is he the candidate for you? A M J J MARTIN O’MALLEY YES You’re upset about the National IF: Security Agency snooping into citizens’ private communications. Senator, eye doctor and son of three-time presidential candidate Ron Paul. Things to know Provides free eye care clinics for the poor in the U.S. and overseas Won Senate seat in 2010 tea party wave, his first elected office Find Paul online Website http://www.randpaul.com Staged 13-hour Senate talkathon to protest U.S. drone policy Colorful hashtag #StandWithRand MARCO RUBIO Is he the candidate for you? Elected to Florida House in 2000, rose to speaker Beat a popular governor to win his U.S. Senate seat Find Rubio online He’s the former Baltimore mayor and Maryland governor who champions data-driven leadership. Teamed with Senate Democrats on an immigration overhaul that he later distanced himself from Colorful hashtag #TeamMarco Is she the candidate for you? Find O’Malley online As governor, signed bill legalizing gay marriage Website http://www.martinomalley.com DONALD TRUMP Is he the candidate for you? You want a president who YES says what he thinks, even if IF: people take offense. NO You want a president with IF: experience in policy and politics. Billionaire real estate developer, author and reality TV star with the catchphrase “You’re fired!” Things to know Son of wealthy builder in the New York City borough of Queens Considered Reform Party presidential run in 2000; flirted with GOP bid in 2012 Find Trump online http://www.donaldjtrump.com Brash star of reality TV shows “The Apprentice” and “Celebrity Apprentice” Colorful hashtag BERNIE SANDERS Find Fiorina online Website http://www.carlyforpresident.com Things to know Trailblazing female executive at AT&T, Lucent and Hewlett-Packard HP tenure included merger with Compaq, layoffs of 30,000; was fired by board of directors Is he the candidate for you? YES You want a president to tackle IF: income inequality as “the great moral issue of our time.” NO You want government to get IF: smaller, not bigger. NO You want a president who has IF: experience serving in government. Colorful hashtag #Carly2016 Longtime frontman for Celtic rock band who sometimes performs at campaign events Colorful hashtag #WeNeedDebate You agree with her that a woman YES could best take on Democrat IF: Hillary Clinton. She’s a high-profile former technology executive who has never held public office. He’s the independent Vermont senator seeking the Democratic Party presidential nomination Find Sanders online Website http://www.berniesanders.com Adviser to John McCain’s 2008 presidential bid; ran for Senate in California in 2010 and lost D Elected Baltimore mayor at age 36, took a statistics-heavy approach to reducing crime #MakeAmericaGreatAgain CARLY FIORINA N Things to know Website Website http://www.marcorubio.com O Is he the candidate for you? NO You believe human actions IF: cause global warming. Things to know S NO You want a candidate without a IF: history of raising taxes. You think it’s time for a younger YES generation (Generation X in this IF: case) to lead. He was raised by Cuban immigrant parents who worked as a bartender and maid. A YES You want to shield people in the IF: U.S. illegally from deportation until immigration laws are reformed. NO You want to see more IF: aggressive use of U.S. military power in the world. NO You are looking for bipartisan IF: compromise on immigration. http://www.tedcruz.org Bass guitarist who occasionally plays with classic rock cover band Capitol Offense Colorful hashtag #ImWithHuck You want to stop President YES Barack Obama’s health care IF: law at all costs. Find Cruz online He’s a former congress- man in his second term as Ohio governor. Things to know Find Huckabee online NO You want a candidate not mired IF: in congressional investigations (Benghazi, emails). Things to know NO You don’t want U.S. ground IF: troops sent to battle Islamic State militants. sexualized lyrics. YES You prefer a Democrat but with a IF: more aggressive foreign policy than Barack Obama. The only candidate who has already lived in the White House, as first lady. YES You want to protect the social IF: safety net for the poor. NO You are a fan of Beyonce and Jay IF: Z. Huckabee has criticized their *As of Dec. 21. HILLARY CLINTON Is he the candidate for you? You want a president to sign YES executive orders protecting the IF: religious liberties of people and entities that oppose gay marriage. NO You think post-Sept. 11 IF: surveillance programs violated civil liberties. Son of a president, little brother of a president, and he’s a former Florida governor. JOHN KASICH Is he the candidate for you? YES You want immigration reform that IF: gives immigrants in the U.S. illegally a path to legal status. Colorful hashtag #Bernie2016 Things to know Student civil rights activist at the University of Chicago in the 1960s Unseated the Democratic mayor of Burlington, Vermont, by 10 votes in 1981 Elected to U.S. House in 1990; longest-serving independent in Congress
