This report summarizes data on gift card spending and consumer preferences from a survey of over 1,000 people and actual gift card usage data. Some key findings:
- Nearly 50% of consumers plan to purchase at least one gift card this holiday season, with interest increasing with age.
- Most consumers (59.6%) plan to spend the same or more on gift cards this year.
- While price is most important, many value gift card selection (24.3%) and personalization (14.2%).
The report provides insights into regional, gender, age and income differences in gift card attitudes and spending.
The document summarizes key findings from interviews with five organizations that have implemented SOA in production environments. The organizations ranged from 2-6 years of experience with SOA. Case studies of each organization provided details on their business drivers for SOA, implementation approach, products used, results and lessons learned. Common themes across organizations included exponential growth once initial SOA services are established, importance of governance, value of consulting, benefits of planning, and importance of loose coupling. SOA implementations yielded benefits like reduced integration costs but also challenges like significant investment required.
This document summarizes a report on university gap funding programs. It finds that while universities help drive innovation through research and spin-offs, there is a lack of early-stage funding to commercialize discoveries. In response, universities have created 63 gap funding programs across 40 organizations. The report analyzes these programs and finds they have high commercialization rates, attract over $2.8 billion in additional investment, and create thousands of jobs. Gap funding helps advance technologies, build innovation networks, and maximize the impact of university research. It should be a priority given its ability to catalyze commercialization and foster a culture of innovation.
Capstone jordan new award metrics for sustainability_finalLuke Statz
This document proposes new metrics for a sustainability award program in Jordan. It recommends establishing a sustainability pillar within the existing King Abdullah II Award for Excellence, with tiered criteria and metrics in areas like energy use, emissions, water use, waste management, and social impact. Key elements include sustainability best practices, sector-specific guidelines, weighted metrics, and an educational program to help applicants and assessors understand the criteria. The goal is to incentivize more sustainable operations among Jordanian businesses and organizations through recognition and skills development.
This document provides a marketing plan for Carnival Cruise Line. It begins with an introduction and overview of Carnival's company background and history. It then analyzes Carnival's product offerings, pricing, distribution channels, and promotional strategies. Several key environmental factors impacting the cruise industry are examined. A SWOT analysis identifies Carnival's strengths, weaknesses, opportunities, and threats. Three critical issues are determined and corresponding marketing objectives are set. Potential customer segments are identified and four target markets are selected. The marketing plan then outlines how Carnival can position itself and achieve its objectives through adaptations to its marketing mix.
This document provides a literature review and theoretical framework for a doctoral thesis examining how to improve the strategic contribution of purchasing in local government. It begins with an introduction and outlines the research problem and methodology. The literature review then covers topics such as local government structure and objectives, purchasing strategy and objectives, models of purchasing evolution, and change management. It develops a theoretical model for enhancing the strategic role of purchasing. The document concludes with tables of contents and references sections.
Business & financial plan for the Institute of Vision and Message from Q4 2010. Nanotechnology, robotics, AI, social development. The Institute would explore reaching social OPTIMUM, Human 2.0 and posthuman society.
Goals would respectively be achieved through deconstruction of all retrograde historic infrastructures and paradigms, which is due to come through deconstruction of retrograde economic structures: division of labor, mass production, competition, value chain and such, and by de-emphasizing its impact on social processes. New plan coming soon.
This document provides a workbook to guide mentoring programs through the process of self-evaluation. The workbook contains 10 chapters that walk programs through getting started with evaluation, developing a logic model, determining what and when to measure, collecting and analyzing data, and applying lessons learned. The workbook includes worksheets, examples, and references to help mentoring programs understand and complete the self-evaluation process. The goal is for programs to learn what aspects of their work are effective and how they can continually improve services for their clients.
This document outlines the business plan for Coinaid Earth Project, which aims to install coin exchange machines around the world to facilitate donations for environmental causes. The key aspects of the plan are:
1. The company will install coin exchange machines in high traffic locations like airports and train stations that will allow travelers to exchange coins for bills and donate the cash value to environmental charities.
2. The machines will be funded through an investment offering and will generate revenue through exchange fees from users.
3. Financial projections estimate the company will break even within 3 years and become profitable thereafter, with strong growth potential as more machines are installed globally.
The document summarizes key findings from interviews with five organizations that have implemented SOA in production environments. The organizations ranged from 2-6 years of experience with SOA. Case studies of each organization provided details on their business drivers for SOA, implementation approach, products used, results and lessons learned. Common themes across organizations included exponential growth once initial SOA services are established, importance of governance, value of consulting, benefits of planning, and importance of loose coupling. SOA implementations yielded benefits like reduced integration costs but also challenges like significant investment required.
This document summarizes a report on university gap funding programs. It finds that while universities help drive innovation through research and spin-offs, there is a lack of early-stage funding to commercialize discoveries. In response, universities have created 63 gap funding programs across 40 organizations. The report analyzes these programs and finds they have high commercialization rates, attract over $2.8 billion in additional investment, and create thousands of jobs. Gap funding helps advance technologies, build innovation networks, and maximize the impact of university research. It should be a priority given its ability to catalyze commercialization and foster a culture of innovation.
Capstone jordan new award metrics for sustainability_finalLuke Statz
This document proposes new metrics for a sustainability award program in Jordan. It recommends establishing a sustainability pillar within the existing King Abdullah II Award for Excellence, with tiered criteria and metrics in areas like energy use, emissions, water use, waste management, and social impact. Key elements include sustainability best practices, sector-specific guidelines, weighted metrics, and an educational program to help applicants and assessors understand the criteria. The goal is to incentivize more sustainable operations among Jordanian businesses and organizations through recognition and skills development.
This document provides a marketing plan for Carnival Cruise Line. It begins with an introduction and overview of Carnival's company background and history. It then analyzes Carnival's product offerings, pricing, distribution channels, and promotional strategies. Several key environmental factors impacting the cruise industry are examined. A SWOT analysis identifies Carnival's strengths, weaknesses, opportunities, and threats. Three critical issues are determined and corresponding marketing objectives are set. Potential customer segments are identified and four target markets are selected. The marketing plan then outlines how Carnival can position itself and achieve its objectives through adaptations to its marketing mix.
This document provides a literature review and theoretical framework for a doctoral thesis examining how to improve the strategic contribution of purchasing in local government. It begins with an introduction and outlines the research problem and methodology. The literature review then covers topics such as local government structure and objectives, purchasing strategy and objectives, models of purchasing evolution, and change management. It develops a theoretical model for enhancing the strategic role of purchasing. The document concludes with tables of contents and references sections.
Business & financial plan for the Institute of Vision and Message from Q4 2010. Nanotechnology, robotics, AI, social development. The Institute would explore reaching social OPTIMUM, Human 2.0 and posthuman society.
Goals would respectively be achieved through deconstruction of all retrograde historic infrastructures and paradigms, which is due to come through deconstruction of retrograde economic structures: division of labor, mass production, competition, value chain and such, and by de-emphasizing its impact on social processes. New plan coming soon.
This document provides a workbook to guide mentoring programs through the process of self-evaluation. The workbook contains 10 chapters that walk programs through getting started with evaluation, developing a logic model, determining what and when to measure, collecting and analyzing data, and applying lessons learned. The workbook includes worksheets, examples, and references to help mentoring programs understand and complete the self-evaluation process. The goal is for programs to learn what aspects of their work are effective and how they can continually improve services for their clients.
This document outlines the business plan for Coinaid Earth Project, which aims to install coin exchange machines around the world to facilitate donations for environmental causes. The key aspects of the plan are:
1. The company will install coin exchange machines in high traffic locations like airports and train stations that will allow travelers to exchange coins for bills and donate the cash value to environmental charities.
2. The machines will be funded through an investment offering and will generate revenue through exchange fees from users.
3. Financial projections estimate the company will break even within 3 years and become profitable thereafter, with strong growth potential as more machines are installed globally.
Benefits of Modern Cloud Data Lake Platform Qubole GCP - WhitepaperVasu S
IDC explains how data leaders are adopting cloud data lake platforms built by companies like Qubole and Google Cloud Platform to address the growing need for mission-critical analytics during COVID-19
https://www.qubole.com/resources/white-papers/benefits-of-modern-cloud-data-lake-platform-idc-qubole-gcp
This document provides information about the USB2817 integrated circuit, including its pin descriptions and functions. It describes the purpose of pins such as AD, DA, DI, DO, and CNT for analog to digital conversion and digital to analog functions. It also explains the chip's ID register for identification purposes and provides programming information for configuration registers to control aspects like conversion timing and power management.
This report summarizes a feasibility study conducted by GW University students for FINCA International to examine how microfranchising could provide new business opportunities for FINCA clients. Three potential microfranchise partners were evaluated: Grameen Village Phone, Honey Care Africa, and KickStart. Honey Care Africa, which trains clients in beekeeping, was identified as the best option for a potential pilot partnership project. The report provides recommendations on elements of the pilot program structure, loan structure, and partnership structure. It concludes that a microfranchising partnership is feasible and could help address unemployment and underemployment among FINCA clients in Uganda.
This document outlines competencies for federal librarians across several domains, including:
- Foundational competencies like cognitive analysis, communication, emotional intelligence, leadership, professional knowledge, and technology application.
- Functional competencies including collection management, content organization, knowledge management, library leadership and advocacy, library technology management, and reference and research.
- It provides descriptions and examples of the knowledge and skills needed in each competency area.
The document is intended to define the competencies expected of federal librarians and help them evaluate their own skills.
Legal Practitioners Liability Committee Contract Of Professional Indemnity In...legal6
1) This document outlines the terms and conditions of a professional indemnity insurance contract for barristers in 2005/2006. It details coverage for civil liability and defense costs up to the specified limit of liability, subject to any applicable excess.
2) Several exclusions are listed, including for bodily injury, property damage, contractual obligations, fraud, insured versus insured claims, and penalties.
3) Key terms such as associate, claim, defense costs, insured, and period of insurance are defined for the purposes of interpreting the contract.
The document provides information to tenants of Hudson's Bay Centre including contact information for building management and operations, an overview of tenant and building services, security and life safety procedures, housekeeping services, and financial requirements. It also includes the building rules and regulations as well as floor plans and forms for tenants.
Leadership in Revenue management - XotelsGabriela Otto
This document provides an overview of leadership in revenue management for hotels. It begins with definitions of revenue management and its key fundamentals. It then outlines 13 actions/strategies for effective revenue management, including market segmentation, forecasting, pricing strategies, benchmarking, and optimizing products. The goal is to share best practices to help independent hotels compete through proven revenue management techniques.
42 active si pasive bancare. corelarea operatiunilor active cu cele pasive (s...Lucrari de licenta
This document is the table of contents for a thesis on banking assets and liabilities. It covers topics like different types of banking resources like equity and deposits, credit operations for companies and individuals, risk management in lending, and correlating assets and liabilities to improve bank performance. The document outlines several chapters that will analyze concepts such as interest rates, liquidity, solvency, and techniques for measuring the asset-liability gap.
This document explains brief legal guidelines to do business in the State of Georgia. It helps people to avoid mistakes and follow through all required matters to open up and run small business.
Stroll Net will provide public internet terminals throughout Tech City for affordable internet access away from home or office. The business will be owned equally by Cam Piotr and Bob Green, with investors owning the remaining shares. Stroll Net aims to introduce an innovative product to meet the growing demand for internet access. Risks include whether there is sufficient demand and if people will pay for the service. The terminals will offer internet, email, advertising and prepaid services. Stroll Net expects to attract students and traveling business people in particular.
- Celanese Corporation will hold its 2008 Annual Meeting of Shareholders on April 24, 2008 in Dallas, Texas to elect directors and ratify the selection of KPMG LLP as the independent registered public accounting firm.
- Shareholders are being asked to elect three directors, Martin G. McGuinn, Daniel S. Sanders, and John K. Wulff, to serve until the 2011 annual meeting.
- The notice, proxy statement, and Celanese's 2007 Annual Report are available on the company's website and were mailed to shareholders beginning on March 25, 2008. Shareholders are urged to vote by proxy card, internet, or telephone.
This document summarizes a report on a proposed New South Wales Government social impact bond pilot program. The report reviews potential policy areas and nonprofit organizations for the pilot, assesses investor appetite, and recommends a structure. It finds potential in programs addressing juvenile justice and parenting skills, and identifies criteria for selecting participants, measuring outcomes, and establishing an independent audit body. The report provides an overview of social impact bonds and lessons from the UK experience to inform next steps for the NSW Government's pilot program.
This document provides an overview of the new and updated geographic data available in Esri Data & Maps 10. It includes updated census and demographic information for the United States as well as transportation, hydrography, landmarks and other map layers for the US, Canada, Europe and the world. New data includes 2011 census boundaries and population estimates, and 2010 urbanized areas and place points. The document describes the formats and tools included to access and use the geographic data.
This document provides an assessment of deadly force by the Philadelphia Police Department. It analyzes trends in officer-involved shootings between 2007-2014, finding that shootings peaked in 2012 and have declined since. It also examines the department's use of force policies, training practices, investigations of shootings, and oversight mechanisms. The assessment identifies strengths but also several areas for improvement, including updating policies, enhancing de-escalation training, improving investigations, and increasing transparency.
The document announces the annual meeting of stockholders of Northern Trust Corporation to be held on April 17, 2007 at 10:30 am at their headquarters in Chicago. The purposes of the meeting are to elect 14 directors, approve an amended stock plan, ratify the appointment of the independent auditors, and conduct any other business. Stockholders of record as of February 26, 2007 are eligible to vote. Stockholders are urged to vote promptly by returning their proxy card, voting by phone or internet, or attending the meeting in person.
This document provides an overview of the securities market in India, including its products, participants, functions, and role in economic development. It discusses the primary and secondary markets. The primary market involves initial public offerings and collective investment vehicles like mutual funds. The secondary market involves stock exchanges, trading, clearing and settlement, risk management, and market indices. It also describes the government securities market, including primary issuance of government bonds and treasury bills, as well as secondary trading through stock exchanges, repos, and wholesale debt platforms.
20 Challenges on Outsourcing and OffshoringVishal Sharma
The document is a business briefing from the Institute of Chartered Accountants in Australia and Ernst & Young that discusses 20 key issues related to outsourcing and offshoring. It aims to help businesses determine whether outsourcing or offshoring is suitable for their needs. The briefing covers strategic assessments, feasibility considerations, sourcing decisions, setting up outsourcing or offshoring arrangements, and managing the transition process. Some of the main points discussed include aligning outsourcing with business strategy, quantifying potential benefits, selecting appropriate locations and outsourcing partners, and the importance of clear communication throughout the transition.
This document provides guidance on effective asset management for supportive housing programs. It discusses the importance of asset management for securing the long-term financial viability of supportive housing. Some key steps outlined include defining asset management goals, thinking like a business operator, creating an asset management plan and binder, evaluating property managers, monitoring financial and operational performance metrics, identifying areas for cost savings or revenue growth, and maintaining properties to high standards. The overall aim is to help supportive housing programs take a more business-like approach to asset management.
The document is a notice for the annual meeting of stockholders to be held on April 20, 2006. At the meeting, stockholders will vote to elect directors for the next year, ratify the appointment of Ernst & Young LLP as the company's independent registered public accounting firm for 2006, and consider any other matters properly brought before the meeting. Stockholders of record as of February 21, 2006 are entitled to vote. The company urges stockholders to vote their shares promptly.
The document provides instructions for uploading a PowerPoint presentation to SlideShare and embedding the resulting slideshow in a Libguides guide. Users are instructed to sign up for a SlideShare account, upload their PowerPoint file via the website, customize the embed code, and paste that code into the appropriate box on their Libguides page to display the slideshow. Formatting tips are also included, such as centering the slideshow and removing unnecessary text.
Libguides at UCT Libraries 2014 add images to boxesUCT
To add an image to a box on the Libguides site, you must first upload the image file to the library's document page to get a URL. Then, create a new box and select the rich text/dynamic content option. Paste the image URL into the box's rich text editor and insert it. Finally, save and close to display the image within the box on the Libguides page.
Benefits of Modern Cloud Data Lake Platform Qubole GCP - WhitepaperVasu S
IDC explains how data leaders are adopting cloud data lake platforms built by companies like Qubole and Google Cloud Platform to address the growing need for mission-critical analytics during COVID-19
https://www.qubole.com/resources/white-papers/benefits-of-modern-cloud-data-lake-platform-idc-qubole-gcp
This document provides information about the USB2817 integrated circuit, including its pin descriptions and functions. It describes the purpose of pins such as AD, DA, DI, DO, and CNT for analog to digital conversion and digital to analog functions. It also explains the chip's ID register for identification purposes and provides programming information for configuration registers to control aspects like conversion timing and power management.
This report summarizes a feasibility study conducted by GW University students for FINCA International to examine how microfranchising could provide new business opportunities for FINCA clients. Three potential microfranchise partners were evaluated: Grameen Village Phone, Honey Care Africa, and KickStart. Honey Care Africa, which trains clients in beekeeping, was identified as the best option for a potential pilot partnership project. The report provides recommendations on elements of the pilot program structure, loan structure, and partnership structure. It concludes that a microfranchising partnership is feasible and could help address unemployment and underemployment among FINCA clients in Uganda.
This document outlines competencies for federal librarians across several domains, including:
- Foundational competencies like cognitive analysis, communication, emotional intelligence, leadership, professional knowledge, and technology application.
- Functional competencies including collection management, content organization, knowledge management, library leadership and advocacy, library technology management, and reference and research.
- It provides descriptions and examples of the knowledge and skills needed in each competency area.
The document is intended to define the competencies expected of federal librarians and help them evaluate their own skills.
Legal Practitioners Liability Committee Contract Of Professional Indemnity In...legal6
1) This document outlines the terms and conditions of a professional indemnity insurance contract for barristers in 2005/2006. It details coverage for civil liability and defense costs up to the specified limit of liability, subject to any applicable excess.
2) Several exclusions are listed, including for bodily injury, property damage, contractual obligations, fraud, insured versus insured claims, and penalties.
3) Key terms such as associate, claim, defense costs, insured, and period of insurance are defined for the purposes of interpreting the contract.
The document provides information to tenants of Hudson's Bay Centre including contact information for building management and operations, an overview of tenant and building services, security and life safety procedures, housekeeping services, and financial requirements. It also includes the building rules and regulations as well as floor plans and forms for tenants.
Leadership in Revenue management - XotelsGabriela Otto
This document provides an overview of leadership in revenue management for hotels. It begins with definitions of revenue management and its key fundamentals. It then outlines 13 actions/strategies for effective revenue management, including market segmentation, forecasting, pricing strategies, benchmarking, and optimizing products. The goal is to share best practices to help independent hotels compete through proven revenue management techniques.
42 active si pasive bancare. corelarea operatiunilor active cu cele pasive (s...Lucrari de licenta
This document is the table of contents for a thesis on banking assets and liabilities. It covers topics like different types of banking resources like equity and deposits, credit operations for companies and individuals, risk management in lending, and correlating assets and liabilities to improve bank performance. The document outlines several chapters that will analyze concepts such as interest rates, liquidity, solvency, and techniques for measuring the asset-liability gap.
This document explains brief legal guidelines to do business in the State of Georgia. It helps people to avoid mistakes and follow through all required matters to open up and run small business.
Stroll Net will provide public internet terminals throughout Tech City for affordable internet access away from home or office. The business will be owned equally by Cam Piotr and Bob Green, with investors owning the remaining shares. Stroll Net aims to introduce an innovative product to meet the growing demand for internet access. Risks include whether there is sufficient demand and if people will pay for the service. The terminals will offer internet, email, advertising and prepaid services. Stroll Net expects to attract students and traveling business people in particular.
- Celanese Corporation will hold its 2008 Annual Meeting of Shareholders on April 24, 2008 in Dallas, Texas to elect directors and ratify the selection of KPMG LLP as the independent registered public accounting firm.
- Shareholders are being asked to elect three directors, Martin G. McGuinn, Daniel S. Sanders, and John K. Wulff, to serve until the 2011 annual meeting.
- The notice, proxy statement, and Celanese's 2007 Annual Report are available on the company's website and were mailed to shareholders beginning on March 25, 2008. Shareholders are urged to vote by proxy card, internet, or telephone.
This document summarizes a report on a proposed New South Wales Government social impact bond pilot program. The report reviews potential policy areas and nonprofit organizations for the pilot, assesses investor appetite, and recommends a structure. It finds potential in programs addressing juvenile justice and parenting skills, and identifies criteria for selecting participants, measuring outcomes, and establishing an independent audit body. The report provides an overview of social impact bonds and lessons from the UK experience to inform next steps for the NSW Government's pilot program.
This document provides an overview of the new and updated geographic data available in Esri Data & Maps 10. It includes updated census and demographic information for the United States as well as transportation, hydrography, landmarks and other map layers for the US, Canada, Europe and the world. New data includes 2011 census boundaries and population estimates, and 2010 urbanized areas and place points. The document describes the formats and tools included to access and use the geographic data.
This document provides an assessment of deadly force by the Philadelphia Police Department. It analyzes trends in officer-involved shootings between 2007-2014, finding that shootings peaked in 2012 and have declined since. It also examines the department's use of force policies, training practices, investigations of shootings, and oversight mechanisms. The assessment identifies strengths but also several areas for improvement, including updating policies, enhancing de-escalation training, improving investigations, and increasing transparency.
The document announces the annual meeting of stockholders of Northern Trust Corporation to be held on April 17, 2007 at 10:30 am at their headquarters in Chicago. The purposes of the meeting are to elect 14 directors, approve an amended stock plan, ratify the appointment of the independent auditors, and conduct any other business. Stockholders of record as of February 26, 2007 are eligible to vote. Stockholders are urged to vote promptly by returning their proxy card, voting by phone or internet, or attending the meeting in person.
This document provides an overview of the securities market in India, including its products, participants, functions, and role in economic development. It discusses the primary and secondary markets. The primary market involves initial public offerings and collective investment vehicles like mutual funds. The secondary market involves stock exchanges, trading, clearing and settlement, risk management, and market indices. It also describes the government securities market, including primary issuance of government bonds and treasury bills, as well as secondary trading through stock exchanges, repos, and wholesale debt platforms.
20 Challenges on Outsourcing and OffshoringVishal Sharma
The document is a business briefing from the Institute of Chartered Accountants in Australia and Ernst & Young that discusses 20 key issues related to outsourcing and offshoring. It aims to help businesses determine whether outsourcing or offshoring is suitable for their needs. The briefing covers strategic assessments, feasibility considerations, sourcing decisions, setting up outsourcing or offshoring arrangements, and managing the transition process. Some of the main points discussed include aligning outsourcing with business strategy, quantifying potential benefits, selecting appropriate locations and outsourcing partners, and the importance of clear communication throughout the transition.
This document provides guidance on effective asset management for supportive housing programs. It discusses the importance of asset management for securing the long-term financial viability of supportive housing. Some key steps outlined include defining asset management goals, thinking like a business operator, creating an asset management plan and binder, evaluating property managers, monitoring financial and operational performance metrics, identifying areas for cost savings or revenue growth, and maintaining properties to high standards. The overall aim is to help supportive housing programs take a more business-like approach to asset management.
The document is a notice for the annual meeting of stockholders to be held on April 20, 2006. At the meeting, stockholders will vote to elect directors for the next year, ratify the appointment of Ernst & Young LLP as the company's independent registered public accounting firm for 2006, and consider any other matters properly brought before the meeting. Stockholders of record as of February 21, 2006 are entitled to vote. The company urges stockholders to vote their shares promptly.
The document provides instructions for uploading a PowerPoint presentation to SlideShare and embedding the resulting slideshow in a Libguides guide. Users are instructed to sign up for a SlideShare account, upload their PowerPoint file via the website, customize the embed code, and paste that code into the appropriate box on their Libguides page to display the slideshow. Formatting tips are also included, such as centering the slideshow and removing unnecessary text.
Libguides at UCT Libraries 2014 add images to boxesUCT
To add an image to a box on the Libguides site, you must first upload the image file to the library's document page to get a URL. Then, create a new box and select the rich text/dynamic content option. Paste the image URL into the box's rich text editor and insert it. Finally, save and close to display the image within the box on the Libguides page.
LibGuide Author Information - SUL - fall 2015Linda Galloway
This document provides tips and guidance for using and maintaining LibGuides. It outlines appropriate uses of LibGuides including for courses, disciplines, and specific audiences. It also describes guide access levels and privacy considerations. Additional tips cover fixing links, adding descriptive text, accessibility, contact information, resizing guides for mobile, and renaming outdated guides. Staff support contacts are provided, and an upcoming workshop is announced.
LibGuides are a user-friendly, web-based tool that combines all the advantages of wikis, blogs, and social networking in one package. Designed especially for libraries, they allow even techno-timid library staff to create their own web content and showcase library resources. Learn how Omaha Public Library staff has used this tool to create webpages on every possible subject, from genealogy to homelessness, without ever taking a programming class.
Social Safety Nets and Gender- Learning from Impact Evaluations and World Ban...Segen Moges
This document discusses social safety net programs and how they impact men and women. It analyzes impact evaluations and World Bank projects to understand outcomes. The document presents a framework for analyzing social safety nets and their gender impacts. It reviews results from impact evaluations on outcomes for women/men and girls/boys. It also discusses efficiency. Finally, it examines trends in how the World Bank has integrated gender considerations into its social safety net projects.
This document provides information about the Integrated Skills in English (ISE) examinations from Trinity College London. It outlines the goals and structure of the ISE exams, which assess English language skills across four components (reading, writing, listening and speaking) at five CEFR levels from A2 to C2. The exams use a portfolio, written exam and interview to evaluate candidates' language ability in an integrated way. Detailed assessment criteria are provided for each component and level.
This document provides information about the Integrated Skills in English (ISE) exams from Trinity College London. It describes the ISE exams as assessing four skills (reading, writing, listening, speaking) across five levels (ISE 0-ISE IV) through three components: a Portfolio, Controlled Written exam, and Interview. It outlines the requirements, assessment, and results for each exam level. The document is a guide for teachers on Trinity College's ISE qualifications.
"Data is the new oil"
We’ve all heard that before. Most people use the metaphor to communicate data’s value and criticality.
But when we hear that phrase (as we do, often), it triggers in us different thoughts. Both oil and data are naturally fluid and their
value means they are in demand. But they can also both be controversial, opaque and even fought over.
And of course dangerous if
mistreated.
These risks really all stem from one thing – data’s perception.
• Give your data an accurate context, and you remove its controversy.
• Make it readily intelligible, comprehensible and interrogable – for every user and you remove its confusion and ambiguity.
• If you free your data, putting it in the hands of the users who need it, then there are no battles to fight over it.
Tayabali Tomlin Successful Business Starter Pack 2010Aynsley Damery
The Financial, Tax and Accounting considerations of starting a new business - with this handy reference guide to starting a business, you should be able to successfully handle many of the problems encountered in starting and running a business. Always remember to seek professional advice in areas that you are not sure about. The benefits will far outweigh the cost. Good luck!
This document provides an introduction, definitions, and literature review for a thesis on integrating Community Cultural Development (CCD) practices into high school Social Justice Education (SJE). The introduction discusses the shared goals of community artists, activists, and educators in empowering youth to transform society. It presents the hypothesis that integrating CCD practices into SJE will increase youth participation in social transformation. Definitions of key terms are also provided, such as SJE, CCD, and how they relate. The literature review covers research methods and existing literature on SJE, CCD, and their relationships.
Aldyryc Campaign Guide for Dungeons & Dragons 5th EditionMichael Fricker
A campaign setting developed over decades created for my book series, the Continuum Chronicles, and role-playing with my friends. Adjustments have been made from play-testing, which continues, and it is now fully illustrated.
This document provides guidance for team leaders on conducting effective team huddles. It defines a team huddle as a daily short meeting for team members to discuss goals, priorities and issues. The document outlines responsibilities for different roles in the huddle process, including the supervisor, manager and associates. It also describes how to plan huddles by identifying topics, selecting top performers to contribute and deciding on logistics. Presentation skills that leaders should develop for effective huddles are discussed, such as communication awareness, voice control, body language and managing nerves. The overall aim is to help leaders conduct productive daily huddles to align teams and improve performance.
This document summarizes the key findings of the 2000 National Survey of Giving, Volunteering and Participating (NSGVP) in Canada. Some of the main results include:
- Donors to health organizations tended to be older and have higher incomes. Their top motivations included caring about the cause and having a family member receive services.
- Donors to social services organizations had a variety of ages and income levels. Their main motivations were caring about the cause and a desire to help others in need.
- Donors to religious organizations were more likely to be older females. Their primary motivations centered around religious commitment and faith-based teachings about charitable giving.
This document discusses applying technology to address challenges in the global refugee crisis. It examines the roles and responsibilities of various entities involved in using or contributing to technology for refugees, including refugees themselves, aid agencies, host countries, donors, technology companies, and research organizations. It also explores how technology is currently used in refugee settings for internet access, communication, information, education, employment, aid management, and identity issues. The document aims to inform organizations assisting refugees on the effective and ethical use of technology.
eK-12 is seeking $250,000 in private investor funding to launch its Momentum software platform aimed at improving K-12 education. Momentum will deliver curriculum content electronically, assess student skills, and record data for schools. It targets affluent Twin Cities school districts and aims to pilot in 2,250 Wayzata students. The management team believes Momentum can revolutionize education by enhancing teaching capabilities with strategic technology use and data-driven continuous improvement. Revenue is projected to grow from $111,600 in 2013 to $6.7 million in 2017 as Momentum expands to additional schools.
The document describes the 20,000 Days campaign, which aimed to reduce demand on Middlemore Hospital in Counties Manukau Health by returning 20,000 days to the community. It did this through 13 collaborative teams testing interventions using the Breakthrough Series Collaborative model. By July 2013 the campaign had achieved over 23,000 days saved. Key factors in its success were alignment around the goal of reducing hospital demand, leadership and expert support for teams, multi-professional teams working across sectors, and a structured series of activities. The collaborative approach proved effective for implementing evidence-based changes.
This document provides an overview of stress inoculation training (SIT) and how different military services approach it. SIT involves three phases: education about stress, learning and practicing coping skills, and applying skills under increasingly stressful conditions. Research shows SIT improves performance and reduces stress reactions. The Air Force uses SIT concepts but does not have a formal SIT program. The Navy SEALs extensively use SIT principles throughout their training to prepare trainees for high-stress missions.
Air Force Enhancing Performance Under StressJA Larson
This document provides information about stress inoculation training (SIT) for battlefield airmen. It summarizes the three phases of SIT: education, skills training, and application. The education phase teaches about stress and coping strategies. The skills training phase practices coping skills through gradual exposure to stress. The application phase applies coping skills to real or simulated stressful situations. Research shows SIT and similar training methods can improve performance and resilience under stress. The document also discusses how the military services approach SIT and provides recommendations for the Air Force.
This document provides a summary of a 2012-2013 community needs assessment for Lincoln County, Oregon conducted on behalf of Head Start of Lincoln County. Key findings include:
1) Lincoln County faces high rates of poverty, food insecurity, unemployment, lack of affordable housing and healthcare access.
2) The county's population is growing older and more diverse, with many families struggling to afford basic needs like housing, childcare, transportation and healthcare.
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Similar to 2012 giftcard.com holiday gift card spending report (20)
2. Table of Contents
Introduction .................................................................................................................................................. 6
Highlights ...................................................................................................................................................... 7
Survey Results ............................................................................................................................................... 9
Will you purchase at least one gift card this holiday season? .................................................................. 9
Insights .................................................................................................................................................. 9
Will you spend more or less money on gift cards this holiday season? ................................................. 10
Do you personally prefer receiving gift cards over other gifts? ............................................................. 11
All Respondents .................................................................................................................................. 11
Insights ................................................................................................................................................ 11
Female................................................................................................................................................. 11
Male .................................................................................................................................................... 11
US West Region ................................................................................................................................... 11
US Midwest Region ............................................................................................................................. 11
US Northeast Region ........................................................................................................................... 12
US South Region.................................................................................................................................. 12
Income $0-24k .................................................................................................................................... 12
Income $25-49k .................................................................................................................................. 12
Income $50-74k .................................................................................................................................. 12
Income $75-99k .................................................................................................................................. 12
Income $100k+.................................................................................................................................... 13
Inferred Age 18-24 .............................................................................................................................. 13
Inferred Age 25-34 .............................................................................................................................. 13
Inferred Age 35-44 .............................................................................................................................. 13
Inferred Age 45-54 .............................................................................................................................. 13
Inferred Age 55-64 .............................................................................................................................. 13
Inferred Age 65+ ................................................................................................................................. 13
How many gift cards do you typically buy per year? .............................................................................. 15
All Respondents .................................................................................................................................. 15
Insights ................................................................................................................................................ 15
Female................................................................................................................................................. 15
3. Male .................................................................................................................................................... 15
US West Region ................................................................................................................................... 15
US Midwest Region ............................................................................................................................. 15
US Northeast Region ........................................................................................................................... 16
US South Region.................................................................................................................................. 16
Income $0-24k .................................................................................................................................... 16
Income $25-49k .................................................................................................................................. 16
Income $50-74k .................................................................................................................................. 16
Income $75-99k .................................................................................................................................. 16
Income $100k+.................................................................................................................................... 17
Inferred Age 18-24 .............................................................................................................................. 17
Inferred Age 25-34 .............................................................................................................................. 17
Inferred Age 35-44 .............................................................................................................................. 17
Inferred Age 45-54 .............................................................................................................................. 17
Inferred Age 55-64 .............................................................................................................................. 17
Inferred Age 65+ ................................................................................................................................. 18
Where do you buy gift cards? ................................................................................................................. 19
All Respondents .................................................................................................................................. 19
Insights ................................................................................................................................................ 19
Female................................................................................................................................................. 19
Male .................................................................................................................................................... 19
US West Region ................................................................................................................................... 19
US Midwest Region ............................................................................................................................. 20
US Northeast Region ........................................................................................................................... 20
US South Region.................................................................................................................................. 20
Income $0-24k .................................................................................................................................... 20
Income $25-49k .................................................................................................................................. 20
Income $50-74k .................................................................................................................................. 20
Income $75-99k .................................................................................................................................. 21
Income $100k+.................................................................................................................................... 21
Inferred Age 18-24 .............................................................................................................................. 21
Inferred Age 25-34 .............................................................................................................................. 21
4. Inferred Age 35-44 .............................................................................................................................. 21
Inferred Age 45-54 .............................................................................................................................. 21
Inferred Age 55-64 .............................................................................................................................. 21
Inferred Age 65+ ................................................................................................................................. 22
Are your gift card purchases typically last minute? ................................................................................ 23
All Respondents .................................................................................................................................. 23
Insights ................................................................................................................................................ 23
Female................................................................................................................................................. 23
Male .................................................................................................................................................... 23
US West Region ................................................................................................................................... 23
US Midwest Region ............................................................................................................................. 24
US Northeast Region ........................................................................................................................... 24
US South Region.................................................................................................................................. 24
Income $0-24k .................................................................................................................................... 24
Income $25-34k .................................................................................................................................. 24
Income $50-74K .................................................................................................................................. 25
Income $75-99k .................................................................................................................................. 25
Income $100k+.................................................................................................................................... 25
Inferred Age 18-24 .............................................................................................................................. 25
Inferred Age 25-34 .............................................................................................................................. 25
Inferred Age 35-44 .............................................................................................................................. 25
Inferred Age 45-54 .............................................................................................................................. 26
Inferred Age 55-64 .............................................................................................................................. 26
Inferred Age 65+ ................................................................................................................................. 26
How much do you typically spend on a single gift card? ........................................................................ 27
Insights ................................................................................................................................................ 27
Which feature is most important for a gift card? ................................................................................... 28
All Respondents .................................................................................................................................. 28
Insights ................................................................................................................................................ 28
Female................................................................................................................................................. 28
Male .................................................................................................................................................... 28
US West Region ................................................................................................................................... 28
5. US Midwest Region ............................................................................................................................. 28
US Northeast Region ........................................................................................................................... 29
US South Region.................................................................................................................................. 29
Income $0-24k .................................................................................................................................... 29
Income $25-49k .................................................................................................................................. 29
Income $50-74k .................................................................................................................................. 29
Income $75k-99k................................................................................................................................. 29
Income $100k+.................................................................................................................................... 30
Inferred Age 18-24 .............................................................................................................................. 30
Inferred Age 25-34 .............................................................................................................................. 30
Inferred Age 35-44 .............................................................................................................................. 30
Inferred Age 45-54 .............................................................................................................................. 30
Inferred Age 55-64 .............................................................................................................................. 30
Inferred Age 65+ ................................................................................................................................. 31
What occasions do you use gift cards for? ............................................................................................. 32
All Respondents .................................................................................................................................. 32
Insights ................................................................................................................................................ 32
Female................................................................................................................................................. 33
Male .................................................................................................................................................... 33
US West Region ................................................................................................................................... 33
US Midwest Region ............................................................................................................................. 33
US Northeast Region ........................................................................................................................... 33
US South Region.................................................................................................................................. 33
Income $0-24k .................................................................................................................................... 34
Income $25-49k .................................................................................................................................. 34
Income $50-74k .................................................................................................................................. 34
Income $75-99k .................................................................................................................................. 34
Income $100k+.................................................................................................................................... 34
Inferred Age 18-24 .............................................................................................................................. 34
Inferred Age 25-34 .............................................................................................................................. 35
Inferred Age 35-44 .............................................................................................................................. 35
Inferred Age 45-54 .............................................................................................................................. 35
6. Inferred Age 55-64 .............................................................................................................................. 35
Inferred Age 65+ ................................................................................................................................. 35
Spending Data ............................................................................................................................................. 36
Consumer Gift Card Usage by Spend ...................................................................................................... 36
Corporate Incentive Card Usage by Spend ............................................................................................. 36
Consumer Gift Card Usage by Transactions............................................................................................ 37
Corporate Incentive Card Usage by Transactions ................................................................................... 38
7. Introduction
The 2012 GiftCard.com Holiday Gift Card Spending Report is the first annual report on holiday gift card
spending sponsored by GiftCard.com. The report delivers data and insights related to consumer
spending on gift cards during the 2012 holiday season. The results encompass data collected from
surveys completed by consumers as well as gift card spending data collected from actual consumers on
the GiftCard.com site. The combination of completed surveys and data from real consumer behaviors
has led to robust facts and figures on holiday gift card spending trends throughout the 2012 holiday
season and beyond.
The following questions were included in the consumer survey:
1. Will you purchase at least one gift card this holiday season?
2. Will you spend more or less money on gift cards this holiday season?
3. Do you personally prefer receiving gift cards over other gifts?
4. How many gift cards do you typically buy per year?
5. Where do you buy gift cards?
6. Are your gift card purchases typically last minute?
7. How much do you typically spend on a single gift card?
8. What feature is most important for a gift card?
9. What occasions do you use gift cards for?
The survey data reveals insights to the above-mentioned questions, as well as comparisons based upon
gender, region of the U.S., income and age.
In addition to the consumer survey, GiftCard.com tracked spending data on its site based upon gift card
recipients receiving an Open-Loop gift card, such as Visa® Gift Card, that can be used anywhere the
recipient pleases. The spending data reveals trends in where both consumers and businesses are
spending their Open-Loop gift cards.
The 2012 GiftCard.com Holiday Gift Card Spending Report is designed to draw attention to consumer
trends in gift card spending and purchasing during the 2012 holiday season. GiftCard.com, the one stop
shop for everything gift card, will continue to produce future reports based on factual data and
consumer preferences and trends.
8. Highlights
Through a consumer-facing survey and consumer behavior tracking on the GiftCard.com website, the
GiftCard.com Holiday Gift Card Spending Report uncovered significant trends in holiday gift card
preferences and planned spending. The survey included the below questions and revealed substantial
findings based on consumers’ responses.
Will you purchase at least one gift card this holiday season?
49.6% (nearly 50%) of consumers plan to purchase at least one gift card this holiday season.
Age greatly affected the response:
o 36% of 18-24 year-olds plan to purchase at least one gift card
o 42.1% of 25-34 year-olds plan to purchase at least one gift card
o 46.8% of 35- 44 year-olds plan to purchase at least one gift card
o 55.5% of 45-54 year-olds plan to purchase at least one gift card
o 63.4% of 55-64 year-olds plan to purchase at least one gift card
o 58.7% of those ages 65+ plan to purchase at least one gift card
Will you spend more or less money on gift cards this holiday season?
59.6% plan to spend the same or more on gift cards this holiday season.
Gender, Region of the U.S., income and age does not seem to have a profound impact on
whether or not a consumer will spend more or less money on gift cards.
Do you personally prefer receiving gift cards over other gifts?
20.9% of survey respondents say they prefer receiving gift cards over other gifts.
38.5% of survey respondents rank gift cards as their favorite or usually favorite gift to receive.
Over 45% of women in the 45-54 age group, earning $25-49k in the Midwest region of the U.S.
say gift cards are their favorite gift to receive.
How many gift cards do you typically buy per year?
Of survey respondents who buy at least one gift card per year, 23.8% purchase six or more.
2.6% of survey respondents typically purchase over 50 gift cards per year.
Where do you buy gift cards?
13.1% of survey respondents purchase gift cards online.
Females and those over 35 years of age tend to purchase gift cards from a display in a grocery
store or pharmacy more frequently than men and those ages 34 and under.
Are your gift card purchases typically last minute?
9. 72.4% of survey respondents sometimes, almost always or always plan their gift card purchases.
28.2% of survey respondents always plan their gift card purchases.
For those with an annual income of over 100k/year, 40% of survey respondents say their gift
card purchases are never last minute and always planned.
How much do you typically spend on a single gift card?
The average amount spent on a single gift card, regardless of gender, income, location in the
U.S. and age, is $26.40.
There are no major differences in how much money is spent on a single gift card based on
gender, region of the U.S. or even income.
Those in the 55-64 year age bracket tend to spend more on gift cards, with the average survey
respondent spending $32.60 per gift card.
What feature is most important for a gift card?
While price is obviously the most significant factor for most, selection and personalization are
important. 24.3% of survey respondents rank selection as the most important feature for a gift
card and 14.2% rank personalization.
10.8% of survey respondents say card design is the most important feature for a gift card.
What occasions do you use gift cards for?
41.7% of survey respondents use gift cards for Christmas.
The survey statistics revealed that consumers are most likely to give gift cards as a gift for
birthdays and Christmas.
Spending data collected from GiftCard.com uncovered the below results based on Open-Loop gift cards,
such as GiftCard.com’s Visa® Gift Card, that can be used anywhere the recipient pleases.
Consumers tend to spend their gift cards with the following types of merchants:
20.1% tend to spend their gift cards at grocery stores or supermarkets
10.4% tend to spend their gift cards at restaurants or eating places
7.5% tend to spend their gift cards at department stores
6.6% tend to spend their gift cards at discount stores
6.5% tend to spend their gift cards at automotive parts and accessories stores
5.8% tend to spend their gift cards at fast food restaurants
Consumers tend to spend their incentive gift cards with the following types of merchants:
23.6% tend to spend their gift cards at grocery stores or supermarkets
14.0% tend to spend their gift cards at restaurants or eating places
8% tend to spend their gift cards at automotive parts and accessory stories
6.4% tend to spend their gift cards at fast food restaurants
10. 5.6% tend to spend their gift cards at department stores
5.4% tend to spend their gift cards at discount stores.
Survey Results
Will you purchase at least one gift card this holiday season?
Insights
Age affected how many people picked Yes.
18-24 36.0%
25-34 42.1%
35-44 46.8%
45-54 55.5%
55-64 63.4%
65+ 58.7%
Group % Yes
All Respondents 49.6%
Female 53.6%
Male 45.5%
US West Region 48.3%
US Midwest Region 55.8%
US Northeast Region 52.1%
US South Region 45.4%
Income $0-24k 63.8%
Income $25-49k 47.0%
Income $50-74k 48.2%
Income $75-99k 51.8%
Income $100k+ 57.2%
Inferred Age 18-24 36.0%
Inferred Age 25-34 42.1%
Inferred Age 35-44 46.8%
Inferred Age 45-54 55.5%
Inferred Age 55-64 63.4%
11. Inferred Age 65+ 58.7%
Will you spend more or less money on gift cards this holiday season?
Group More Less Same
All Respondents 11.4% 40.1% 48.6%
Female 12.0% 40.2% 47.8%
Male 10.7% 39.9% 49.4%
US West Region 10.2% 37.3% 52.5%
US Midwest Region 12.1% 37.7% 50.2%
US Northeast Region 10.9% 40.5% 48.7%
US South Region 12.0% 43.2% 44.8%
Income $0-24k 14.3% 46.6% 39.2%
Income $25-49k 11.2% 40.6% 48.2%
Income $50-74k 8.1% 39.7% 52.2%
Income $75-99k 13.4% 34.0% 52.6%
Income $100k+ 7.7% 30.8% 61.5%
Inferred Age 18-24 9.5% 45.2% 45.3%
Inferred Age 25-34 12.5% 39.4% 48.1%
Inferred Age 35-44 13.6% 37.5% 48.9%
Inferred Age 45-54 10.6% 40.5% 48.8%
Inferred Age 55-64 10.8% 45.2% 44.0%
Inferred Age 65+ 10.6% 34.8% 54.6%
12. Do you personally prefer receiving gift cards over other gifts?
On a scale of 1 to 5, 1 being the least favorite gift to receive and 5 being the favorite gift to receive.
All Respondents
1 - Least favorite gift to receive 20.3%
2 9.2%
3 31.9%
4 17.6%
5 – Favorite gift to receive 20.9%
Insights
For 45% of women aged 45-54 earning $25-49k in the Midwest region of the US, gift cards are the
favorite gift to receive.
Women answered higher on the scale than men.
3.3
2.8
Female
1 - Least favorite gift to receive 15.9%
2 8.0%
3 31.9%
4 19.5%
5 – Favorite gift to receive 24.7%
Male
1 - Least favorite gift to receive 28.1%
2 9.9%
3 33.0%
4 14.1%
5 – Favorite gift to receive 14.8%
US West Region
1 - Least favorite gift to receive 25.3%
2 8.9%
3 32.2%
4 13.5%
5 – Favorite gift to receive 20.1%
US Midwest Region
1 - Least favorite gift to receive 18.5%
13. 2 11.7%
3 35.0%
4 18.1%
5 – Favorite gift to receive 16.7%
US Northeast Region
1 - Least favorite gift to receive 17.8%
2 7.7%
3 31.9%
4 19.1%
5 – Favorite gift to receive 23.4%
US South Region
1 - Least favorite gift to receive 22.8%
2 8.4%
3 29.8%
4 17.1%
5 – Favorite gift to receive 21.9%
Income $0-24k
1 - Least favorite gift to receive 22.8%
2 8.9%
3 27.8%
4 15.3%
5 – Favorite gift to receive 25.1%
Income $25-49k
1 - Least favorite gift to receive 22.0%
2 10.2%
3 29.5%
4 18.2%
5 – Favorite gift to receive 20.3%
Income $50-74k
1 - Least favorite gift to receive 16.3%
2 8.5%
3 41.0%
4 13.5%
5 – Favorite gift to receive 20.7%
Income $75-99k
1 - Least favorite gift to receive 12.7%
2 4.9%
3 39.2%
4 23.7%
5 – Favorite gift to receive 19.6%
14. Income $100k+
1 - Least favorite gift to receive 33.3%
2 8.3%
3 16.7%
4 33.3%
5 – Favorite gift to receive 8.3%
Inferred Age 18-24
1 - Least favorite gift to receive 24.7%
2 8.3%
3 29.3%
4 15.7%
5 – Favorite gift to receive 21.9%
Inferred Age 25-34
1 - Least favorite gift to receive 23.9%
2 10.0%
3 31.4%
4 12.8%
5 – Favorite gift to receive 22.0%
Inferred Age 35-44
1 - Least favorite gift to receive 22.6%
2 10.3%
3 30.7%
4 16.8%
5 – Favorite gift to receive 19.7%
Inferred Age 45-54
1 - Least favorite gift to receive 13.8%
2 8.6%
3 34.6%
4 22.3%
5 – Favorite gift to receive 20.7%
Inferred Age 55-64
1 - Least favorite gift to receive 12.7%
2 8.8%
3 36.7%
4 16.6%
5 – Favorite gift to receive 25.3%
Inferred Age 65+
1 - Least favorite gift to receive 27.3%
2 9.0%
3 27.1%
16. How many gift cards do you typically buy per year?
Respondents who buy at least 1 gift card per year.
All Respondents
1-5 76.2%
6-10 11.9%
11-25 5.6%
26-50 3.7%
Over 50 2.6%
Insights
Among people earning $25-49k, those aged 25-34 picked 1-5 more than those aged 55-64
88.6%
72.1%
Female
1-5 76.6%
6-10 12.4%
11-25 5.9%
26-50 3.2%
Over 50 1.8%
Male
1-5 75.0%
6-10 11.8%
11-25 5.0%
26-50 4.1%
Over 50 4.1%
US West Region
1-5 75.0%
6-10 13.0%
11-25 5.1%
26-50 5.1%
Over 50 1.8%
US Midwest Region
1-5 76.4%
6-10 12.3%
11-25 7.8%
26-50 1.5%
17. Over 50 2.0%
US Northeast Region
1-5 81.1%
6-10 11.1%
11-25 2.2%
26-50 3.5%
Over 50 2.2%
US South Region
1-5 72.4%
6-10 12.0%
11-25 6.4%
26-50 4.8%
Over 50 4.4%
Income $0-24k
1-5 72.4%
6-10 15.4%
11-25 5.1%
26-50 5.4%
Over 50 2.6%
Income $25-49k
1-5 78.1%
6-10 11.8%
11-25 5.2%
26-50 2.9%
Over 50 2.0%
Income $50-74k
1-5 77.0%
6-10 6.9%
11-25 8.8%
26-50 4.4%
Over 50 2.9%
Income $75-99k
1-5 67.6%
6-10 19%
11-25 3.5%
26-50 3.2%
Over 50 6.6%
18. Income $100k+
1-5 77.8%
6-10 11.1%
11-25 11.1%
26-50 0.0%
Over 50 0.0%
*Not enough responses to be statistically significant for income over $100k
Inferred Age 18-24
1-5 78.4%
6-10 10.3%
11-25 5.6%
26-50 2.8%
Over 50 2.8%
Inferred Age 25-34
1-5 80.9%
6-10 10.0%
11-25 3.4%
26-50 3.4%
Over 50 2.3%
Inferred Age 35-44
1-5 71.7%
6-10 13.0%
11-25 6.9%
26-50 6.2%
Over 50 2.2%
Inferred Age 45-54
1-5 79.5%
6-10 14.4%
11-25 2.8%
26-50 1.6%
Over 50 1.7%
Inferred Age 55-64
1-5 73.1%
6-10 13.8%
11-25 6.9%
26-50 3.7%
Over 50 2.6%
20. Where do you buy gift cards?
All Respondents
Display in grocery store or pharmacy 41.4%
Specific store or restaurant 40.9%
Online 13.1%
Mobile Device 4.7%
Insights
Among people earning $25-49k, those in the US Northeast picked At the specific store or restaurant
more than those in the US South.
56.8%
35.6%
Age affected how many people picked Display in grocery store or pharmacy.
55-64 52.1%
18-24 35.8%
25-34 34.4%
Female
Display in grocery store or pharmacy 45.3%
Specific store or restaurant 39.7%
Online 10.7%
Mobile Device 4.3%
Male
Display in grocery store or pharmacy 36.1%
Specific store or restaurant 42.0%
Online 15.7%
Mobile Device 6.1%
US West Region
Display in grocery store or pharmacy 34.6%
21. Specific store or restaurant 43.5%
Online 17%
Mobile Device 4.9%
US Midwest Region
Display in grocery store or pharmacy 42.4%
Specific store or restaurant 45.8%
Online 7.2%
Mobile Device 4.6%
US Northeast Region
Display in grocery store or pharmacy 43.6%
Specific store or restaurant 40.5%
Online 13.1%
Mobile Device 2.8%
US South Region
Display in grocery store or pharmacy 43.8%
Specific store or restaurant 35.1%
Online 14.5%
Mobile Device 6.7%
Income $0-24k
Display in grocery store or pharmacy 47.7%
Specific store or restaurant 35.3%
Online 13.7%
Mobile Device 3.3%
Income $25-49k
Display in grocery store or pharmacy 41.0%
Specific store or restaurant 41.3%
Online 12.8%
Mobile Device 4.9%
Income $50-74k
Display in grocery store or pharmacy 37.8%
Specific store or restaurant 42.0%
Online 13.9%
Mobile Device 6.3%
22. Income $75-99k
Display in grocery store or pharmacy 48.5%
Specific store or restaurant 36.2%
Online 13.1%
Mobile Device 2.1%
Income $100k+
Display in grocery store or pharmacy 45.5%
Specific store or restaurant 54.5%
Online 0.0%
Mobile Device 0.0%
*Not enough responses to be statistically significant for income over $100k
Inferred Age 18-24
Display in grocery store or pharmacy 35.8%
Specific store or restaurant 45.3%
Online 13.1%
Mobile Device 5.8%
Inferred Age 25-34
Display in grocery store or pharmacy 34.4%
Specific store or restaurant 42.6%
Online 15.3%
Mobile Device 7.7%
Inferred Age 35-44
Display in grocery store or pharmacy 45.7%
Specific store or restaurant 38.9%
Online 10.4%
Mobile Device 4.9%
Inferred Age 45-54
Display in grocery store or pharmacy 41.6%
Specific store or restaurant 39.4%
Online 13.7%
Mobile Device 5.3%
Inferred Age 55-64
Display in grocery store or pharmacy 52.1%
Specific store or restaurant 33.3%
Online 12.8%
Mobile Device 1.8%
23. Inferred Age 65+
Display in grocery store or pharmacy 48.6%
Specific store or restaurant 37.1%
Online 13.0%
Mobile Device 1.2%
24. Are your gift card purchases typically last minute?
One a scale of 1 being “Not last minute - always planned” and 5 being “Last minute - never planned”
All Respondents
1 - Not last minute – Always Planned 28.2%
2 12.7%
3 30.5%
4 13.0%
5 – Last minute – Never Planned 15.6%
Insights
Among people earning $25-49k, those in the US South answered higher on the scale, meaning more last
minute purchases, than those in the US Northeast.
2.9
2.4
Among women, those in the South answered higher on the scale than those in the US Northeast.
2.9
2.5
Female
1 - Not last minute – Always Planned 29.8%
2 11.3%
3 31.7%
4 12.7%
5 – Last minute – Never Planned 14.5%
Male
1 - Not last minute – Always Planned 27.1%
2 14.2%
3 28.4%
4 13.3%
5 – Last minute – Never Planned 17.1%
US West Region
1 - Not last minute – Always Planned 25.7%
25. 2 8.1%
3 25.7%
4 17.6%
5 – Last minute – Never Planned 23.0%
US Midwest Region
1 - Not last minute – Always Planned 26.7%
2 21.2%
3 28.8%
4 5.2%
5 – Last minute – Never Planned 18.1%
US Northeast Region
1 - Not last minute – Always Planned 25.5%
2 14.9%
3 34.0%
4 12.8%
5 – Last minute – Never Planned 12.8%
US South Region
1 - Not last minute – Always Planned 29.8%
2 13.7%
3 27.1%
4 16.3%
5 – Last minute – Never Planned 12.1%
Income $0-24k
1 - Not last minute – Always Planned 34.8%
2 7.4%
3 21.9%
4 14.9%
5 – Last minute – Never Planned 21.1%
Income $25-34k
1 - Not last minute – Always Planned 27.9%
2 12.7%
3 32.1%
4 12.9%
5 – Last minute – Never Planned 14.4%
26. Income $50-74K
1 - Not last minute – Always Planned 28.6%
2 14.5%
3 32.0%
4 12.5%
5 – Last minute – Never Planned 12.3%
Income $75-99k
1 - Not last minute – Always Planned 28.1%
2 10.5%
3 30.9%
4 14.6%
5 – Last minute – Never Planned 15.9%
Income $100k+
1 - Not last minute – Always Planned 40.0%
2 10.0%
3 30.0%
4 10.0%
5 – Last minute – Never Planned 10.0%
Inferred Age 18-24
1 - Not last minute – Always Planned 37.5%
2 12.9%
3 18.2%
4 10.2%
5 – Last minute – Never Planned 21.3%
Inferred Age 25-34
1 - Not last minute – Always Planned 25.1%
2 14.4%
3 33.6%
4 13.7%
5 – Last minute – Never Planned 13.3%
Inferred Age 35-44
1 - Not last minute – Always Planned 31.5%
2 11.0%
3 29.1%
4 11.5%
5 – Last minute – Never Planned 17.0%
27. Inferred Age 45-54
1 - Not last minute – Always Planned 26.9%
2 11.9%
3 32.5%
4 16.4%
5 – Last minute – Never Planned 12.3%
Inferred Age 55-64
1 - Not last minute – Always Planned 21.1%
2 12.7%
3 38.7%
4 14.5%
5 – Last minute – Never Planned 13.0%
Inferred Age 65+
1 - Not last minute – Always Planned 33.8%
2 10.0%
3 28.6%
4 9.2%
5 – Last minute – Never Planned 18.4%
28. How much do you typically spend on a single gift card?
Insights
Age affected how much people spend on gift cards.
18-24 $21.50
25-34 $20.00
35-44 $29.80
55-64 $32.60
Group Average spend
All Respondents $26.40
Female $26.70
Male $26.00
US West Region $26.00
US Midwest Region $26.10
US Northeast Region $26.50
US South Region $25.70
Income $0-24k $25.00
Income $25-49k $27.10
Income $50-74k $24.30
Income $75-99k $25.30
Income $100k+ $27.60
Inferred Age 18-24 $21.50
Inferred Age 25-34 $20.00
Inferred Age 35-44 $29.80
Inferred Age 45-54 $27.20
Inferred Age 55-64 $32.60
Inferred Age 65+ $23.90
29. Which feature is most important for a gift card?
All Respondents
Price 48.4%
Selection 24.3%
Personalization 14.2%
Card Design 10.8%
Card Packaging 2.3%
Insights
Among women, those aged 18-24 picked Price more than those aged 45-54.
18-24 61.2%
45-54 37.2%
Female
Price 44.7%
Selection 25.7%
Personalization 15.1%
Card Design 12.0%
Card Packaging 2.5%
Male
Price 52.8%
Selection 21.7%
Personalization 14.8%
Card Design 8.6%
Card Packaging 2.2%
US West Region
Price 51.0%
Selection 25.1%
Personalization 14.0%
Card Design 8.5%
Card Packaging 1.5%
US Midwest Region
Price 51.0%
Selection 22.1%
Personalization 16.2%
Card Design 8.8%
30. Card Packaging 1.9%
US Northeast Region
Price 45.8%
Selection 26.5%
Personalization 12.4%
Card Design 12.9%
Card Packaging 3.5%
US South Region
Price 48.1%
Selection 22.4%
Personalization 14.1%
Card Design 12.8%
Card Packaging 2.5%
Income $0-24k
Price 42.9%
Selection 27.6%
Personalization 13.8%
Card Design 10.8%
Card Packaging 4.8%
Income $25-49k
Price 48.5%
Selection 25.3%
Personalization 13.7%
Card Design 9.9%
Card Packaging 2.6%
Income $50-74k
Price 48.5%
Selection 20.1%
Personalization 16.8%
Card Design 12.8%
Card Packaging 1.7%
Income $75k-99k
Price 53.8%
Selection 22.8%
Personalization 13.8%
Card Design 9.6%
Card Packaging 0.0%
33. What occasions do you use gift cards for?
Respondents could choose multiple answers.
All Respondents
Birthdays 45.3%
Christmas 41.7%
None of the Above 35.0%
Graduations 18.3%
Weddings 14.9%
Coach or Teacher Gift 7.2%
Insights
The US South Region chose Christmas more than the US West Region.
46.9%
31.6%
Women picked Birthdays more than men.
51.0%
Among women, those aged 65+ picked Graduations 2x more than those aged 55-64.
36.9%
36.6%
17.9%
Among women, those in the US Midwest picked Christmas more than those in the US Northeast.
49.7%
30.0%
Age affected how many people chose Christmas.
18-24 33.1%
25-34 31.6%
45-54 47.2%
34. 55-64 49.8%
65+ 51.7%
Female
Birthdays 50.4%
Christmas 45.6%
None of the Above 31.0%
Graduations 19.1%
Weddings 17.4%
Coach or Teacher Gift 6.7%
Male
Birthdays 36.8%
Christmas 35.7%
None of the Above 40.1%
Graduations 14.4%
Weddings 9.7%
Coach or Teacher Gift 6.9%
US West Region
Birthdays 42.3%
Christmas 36.6%
None of the Above 41.0%
Graduations 20.7%
Weddings 15.0%
Coach or Teacher Gift 7.5%
US Midwest Region
Birthdays 47.2%
Christmas 44.8%
None of the Above 32.3%
Graduations 21.0%
Weddings 18.1%
Coach or Teacher Gift 4.8%
US Northeast Region
Birthdays 46.9%
Christmas 39.5%
None of the Above 36.7%
Graduations 12.4%
Weddings 11.3%
Coach or Teacher Gift 10.2%
US South Region
Birthdays 45.3%
Christmas 44.1%
35. None of the Above 32.1%
Graduations 17.9%
Weddings 14.5%
Coach or Teacher Gift 7.3%
Income $0-24k
Birthdays 40.3%
Christmas 43.7%
None of the Above 32.8%
Graduations 18.5%
Weddings 13.4%
Coach or Teacher Gift 10.9%
Income $25-49k
Birthdays 47.8%
Christmas 46.9%
None of the Above 32.2%
Graduations 19.3%
Weddings 16.5%
Coach or Teacher Gift 6.7%
Income $50-74k
Birthdays 41.4%
Christmas 31.6%
None of the Above 42.2%
Graduations 15.2%
Weddings 12.9%
Coach or Teacher Gift 5.9%
Income $75-99k
Birthdays 50.0%
Christmas 32.0%
None of the Above 36.0%
Graduations 24.0%
Weddings 14.0%
Coach or Teacher Gift 12.0%
Income $100k+
Birthdays 36.4%
Christmas 36.4%
None of the Above 36.4%
Graduations 9.1%
Weddings 9.1%
Coach or Teacher Gift 9.1%
Inferred Age 18-24
Birthdays 41.9%
Christmas 33.3%
None of the Above 40.2%
36. Graduations 14.5%
Weddings 8.5%
Coach or Teacher Gift 8.5%
Inferred Age 25-34
Birthdays 40.9%
Christmas 31.4%
None of the Above 38.0%
Graduations 10.2%
Weddings 10.2%
Coach or Teacher Gift 5.1%
Inferred Age 35-44
Birthdays 46.4%
Christmas 41.2%
None of the Above 35.1%
Graduations 18.6%
Weddings 14.4%
Coach or Teacher Gift 15.5%
Inferred Age 45-54
Birthdays 46.7%
Christmas 47.3%
None of the Above 33.7%
Graduations 16.6%
Weddings 13.6%
Coach or Teacher Gift 5.9%
Inferred Age 55-64
Birthdays 49.0%
Christmas 49.5%
None of the Above 28.0%
Graduations 19.5%
Weddings 18.5%
Coach or Teacher Gift 4.5%
Inferred Age 65+
Birthdays 50.0%
Christmas 50.0%
None of the Above 31.7%
Graduations 30.5%
Weddings 24.4%
Coach or Teacher Gift 1.2%
37. Spending Data
Gift card recipients receiving an Open-Loop gift card, such as Visa® Gift Card, that can be used anywhere
the recipient pleases used their cards with the following types of merchants.
Consumer Gift Card Usage by Spend
20.1% Grocery Stores, Supermarkets
10.4% Eating Places, Restaurants
7.5% Department Stores
6.6% Discount Stores
6.5% Automotive Parts and Accessories Stores
5.8% Fast Food Restaurants
4.6% Electronics Stores
4.0% Miscellaneous Specialty Retail
3.5% Women’s Ready-To-Wear Stores
3.1% Home Supply Warehouse Stores
3.1% Sporting Goods Stores
2.9% Family Clothing Stores
2.6% Men’s, Women’s Clothing Stores
2.6% Shoe Stores
2.6% Book Stores
2.3% Drug Stores and Pharmacies
1.8% Hobby, Toy, and Game Shops
1.6% Miscellaneous Apparel and Accessory Shops
1.4% Video Amusement Game Supplies
1.3% Miscellaneous Home Furnishing Specialty Stores
1.3% Women’s Accessory and Specialty Shops
1.3% Gift, Card, Novelty, and Souvenir Shops
1.1% Sports and Riding Apparel Stores
1.0% Furniture, Home Furnishings, and Equipment Stores, Except Appliances
1.0% Variety Stores
Corporate Incentive Card Usage by Spend
23.6% Grocery Stores, Supermarkets
14.0% Eating Places, Restaurants
8.0% Automotive Parts and Accessories Stores
6.4% Fast Food Restaurants
5.6% Department Stores
5.4% Discount Stores
4.3% Electronics Stores
4.0% Home Supply Warehouse Stores
38. 3.4% Miscellaneous Specialty Retail
2.9% Sporting Goods Stores
2.5% Drug Stores and Pharmacies
2.3% Family Clothing Stores
1.9% Book Stores
1.8% Shoe Stores
1.8% Service Stations
1.6% Women’s Ready-To-Wear Stores
1.5% Insurance Underwriting, Premiums
1.3% Package Stores-Beer, Wine, and Liquor
1.3% Furniture, Home Furnishings, and Equipment Stores, Except Appliances
1.2% Men’s, Women’s Clothing Stores
1.2% Miscellaneous Home Furnishing Specialty Stores
1.1% Miscellaneous Food Stores - Convenience Stores and Specialty Markets
1.0% Hobby, Toy, and Game Shops
1.0% Variety Stores
1.0% Sports and Riding Apparel Stores
Consumer Gift Card Usage by Transactions
18.5% Fast Food Restaurants
18.0% Grocery Stores, Supermarkets
11.6% Automotive Parts and Accessories Stores
10.3% Eating Places, Restaurants
5.4% Discount Stores
4.1% Department Stores
3.4% Drug Stores and Pharmacies
3.0% Miscellaneous Specialty Retail
2.4% Women’s Ready-To-Wear Stores
2.4% Book Stores
1.9% Family Clothing Stores
1.8% Electronics Stores
1.7% Men’s, Women’s Clothing Stores
1.7% Home Supply Warehouse Stores
1.6% Miscellaneous Food Stores - Convenience Stores and Specialty Markets
1.5% Sporting Goods Stores
1.4% Motion Picture Theaters
1.4% Shoe Stores
1.3% Hobby, Toy, and Game Shops
1.2% Record Stores
1.2% Gift, Card, Novelty, and Souvenir Shops
1.1% Miscellaneous Apparel and Accessory Shops
1.0% Women’s Accessory and Specialty Shops
39. 1.0% Package Stores-Beer, Wine, and Liquor
0.9% Video Tape Rental Stores
Corporate Incentive Card Usage by Transactions
16.5% Grocery Stores, Supermarkets
15.7% Fast Food Restaurants
11.2% Direct Marketing - Subscription
11.0% Automotive Parts and Accessories Stores
9.6% Eating Places, Restaurants
4.6% Direct Marketing - Inbound Tele
3.7% Discount Stores
3.6% Miscellaneous Specialty Retail
3.1% Cosmetic Stores
2.9% Drug Stores and Pharmacies
2.2% Department Stores
2.1% Miscellaneous General Services
1.7% Home Supply Warehouse Stores
1.5% Miscellaneous Food Stores - Convenience Stores and Specialty Markets
1.2% Book Stores
1.1% Electronics Stores
1.1% Family Clothing Stores
1.0% Service Stations
1.0% Package Stores-Beer, Wine, and Liquor
1.0% Direct Marketing - Other
0.9% Sporting Goods Stores
0.8% Variety Stores
0.7% Women’s Ready-To-Wear Stores
0.7% Shoe Stores
0.7% Motion Picture Theaters