This document summarizes a financial literacy session presented by Aravind Mohan and Mikela Suter of PwC. The session addressed budgeting, credit, saving, and paying back student loans. Survey results showed that most people did not feel high school prepared them for personal finances and many were stressed about budgeting, building credit, and retirement savings when entering the real world. The presentation provided tips on creating budgets, building credit through credit cards, taking advantage of 401k plans, and developing strategies to pay back student loans. The goal was to help people feel more in control of their finances.
Personal Finance: Taking Charge of Your Financial Life: Money and Credit by @...Jason Vitug
The plan is to introduce basic personal finance concepts and terminology.
The goal is to understand personal finance topics and the important role it plays in living richer lives. The takeaway is to know important concepts, identify financial warning signs and create a plan and take action.
Personal finance is the use of financial management principles with respect to individual or family unit finances to manage money, budget, save and spend while taking into account various future risks and life events.
Personal Finance: Taking Charge of Your Financial Life: Money and Credit by @...Jason Vitug
The plan is to introduce basic personal finance concepts and terminology.
The goal is to understand personal finance topics and the important role it plays in living richer lives. The takeaway is to know important concepts, identify financial warning signs and create a plan and take action.
Personal finance is the use of financial management principles with respect to individual or family unit finances to manage money, budget, save and spend while taking into account various future risks and life events.
America Saves Week Presentation for IndividualsAmerica Saves
Information for consumers about America Saves Week. Great for sharing at events. includes information about: why you should be saving, how to save more effectively, and how individuals can get involved.
There are many criterias based on which one can choose the credit card. Some things are listed here which will help one to decide on to what basis one can choose credit card.
This presentation is part of danadidik.com talk at University Indonesia. Kuliah Umum tanggal Rabu 1 November 2017, 08:30 - 12:00 WIB. Auditorium Vokasi, Universitas Indonesia, Depok
oleh Dipo Satria
Stephen Cagnassola | Presenting few templates on financial literacy Stephen Cagnassola
Stephen Cagnassola explaining here few templates on financial literacy & basic strategies. Most people are thinking about growth in longevity in terms of an aging population’s burden on society. But we have the opportunity to look at it another way to reshape current models so that we live decades longer than our ancestors in a way that improves quality of life at all ages
Streamline your objectives for financial future with stephen cagnassolaStephen J. Cagnassola
Stephen cagnassola leads a professional tax and financial organisation that serves clients around the USA. A brilliant person could study for 4 weeks and pass the exam without any difficulty. If you want to offer life insurance the process is equivalent and the study period is about the same
America Saves Week Presentation for IndividualsAmerica Saves
Information for consumers about America Saves Week. Great for sharing at events. includes information about: why you should be saving, how to save more effectively, and how individuals can get involved.
There are many criterias based on which one can choose the credit card. Some things are listed here which will help one to decide on to what basis one can choose credit card.
This presentation is part of danadidik.com talk at University Indonesia. Kuliah Umum tanggal Rabu 1 November 2017, 08:30 - 12:00 WIB. Auditorium Vokasi, Universitas Indonesia, Depok
oleh Dipo Satria
Stephen Cagnassola | Presenting few templates on financial literacy Stephen Cagnassola
Stephen Cagnassola explaining here few templates on financial literacy & basic strategies. Most people are thinking about growth in longevity in terms of an aging population’s burden on society. But we have the opportunity to look at it another way to reshape current models so that we live decades longer than our ancestors in a way that improves quality of life at all ages
Streamline your objectives for financial future with stephen cagnassolaStephen J. Cagnassola
Stephen cagnassola leads a professional tax and financial organisation that serves clients around the USA. A brilliant person could study for 4 weeks and pass the exam without any difficulty. If you want to offer life insurance the process is equivalent and the study period is about the same
Stanford CS 007-01: Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 26, 2017. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Experian Millennial Credit & Finance Survey Report Part IIExperian_US
Experian® has released additional findings from a national survey among more than 1,000 millennials, ages 19 to 34, showing that this generation struggles with using credit as a tool to enhance their lives. This struggle can be attributed to unawareness of credit terms and conditions and a mixed attitude regarding credit cards. A majority (64 percent) of survey respondents consider them “dangerous,” while almost 30 percent have maxed out a card.
Stanford CS 007-01 (2019): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 23, 2019. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
NRF 2024 Presentation
Sunday, January 14 2024
Darin Detwiler, Detwiler Consulting Group, LLC
Dean Hornsby, BluLine Solutions, LLC
Rick Schlenker, Logile, Inc.
Christopher Schlichting, Coborn’s Inc.
Presentation at NRF Nexus 2023
July 11, 2023
Debjani Deb, CEO & Co-Founder
Session AI
Amanda Hall, Director of Pricing Strategy & Analytics
Ashley Global Retail
Presentation from NRF 2023: Retail’s Big Show.
Michelle Evans, Global Lead of Retail and Digital Consumer Insights, Euromonitor International
Get a first look at the top consumer trends with the biggest implications for retailers and brands. In this session, retail expert Michelle Evans reveals the latest insights from Euromonitor’s annual global consumer trends report. She examines the behaviors and motivations that will drive shopping habits next year so you can meet new demands.
Data-driven site selection: How understanding consumer movement drives Little...National Retail Federation
Presentation from NRF 2023: Retail's Big Show
Brad Puckett, Little Caesars
Cate Zovod, Near
When it comes to opening a new QSR location, the decision around site selection is critical — and the wrong decision can be extremely costly. For a QSR looking to significantly expand to new locations, the stakes are even higher. Founded in 1959, Little Caesars has been a popular pizza chain in the U.S. for decades. Having successfully responded to new consumer behavior in recent years, the chain is poised for rapid expansion across the U.S. and other growing markets like Canada and Mexico. With a goal to maximize ROI on the new locations, the company had to identify and prioritize sites for their new stores in a smart and scalable way. Learn how they turned to human movement data to empower teams in the U.S. and internationally to create a strategic expansion plan.
Presentation from NRF 2023: Retail's Big Show
Lee Peterson, WD Partners
Seana Strawn, IKEA US
Resale is ecologically beneficial, applies to many types of merchandise and is on-trend, but we are finding that the resale of goods online isn't as profitable as in store--think photo shoot, double ship and repackaging of items. So if done right at store level, can resale be more profitable, increase foot traffic with unique offerings, and boost customer loyalty? Learn from IKEA about their in-store resale experience, hear exclusive research from WD Partners and see visual renderings that show how areas of resale can be executed in several types of merchandise categories.
Presentation from NRF 2023: Retail's Big Show
Cam Avent, Union Square Hospitality Group
Kelly MacPherson, Union Square Hospitality Group
Morgan Wiley, Union Square Hospitality Group
In this session, we will have an interactive discussion outlining best practices for infusing data-driven decision making into an organization’s DNA: driving bottom-line results, personalizing and elevating the guest experience, and creating a workplace that inspires and retains high performers. We will share best practices on how to put the right numbers with the right context in the right hands, and how to craft optimal employee and guest experiences by leveraging analytics.
Presentation from NRF 2023: Retail's Big Show
James Boushka, Aramark
Time. The precious resource so few restauranteurs and hospitality veterans have. From preparation and production to serving guests to paying invoices, there are no shortage of mundane tasks essential to a well-functioning restaurant. Rising labor costs, guest demand for speed, and shrinking profit margins are propelling the industry to embrace automation as a marker for impactful success. Discover the trends and challenge your operational model to create experiences where humans and automation work together.
Retail Media Networks: How the physical store will power their next phase of ...National Retail Federation
Presentation from NRF 2023: Retail's Big Show
Kristi Argyilan, Albertsons Media Collective
Aaron Dunford, Nordstrom
Andrew Lipsman, Insider Intelligence
Retail media is disrupting the digital advertising industry and creating new high-margin revenue streams for retailers. The opportunity behind this fast-growing $40 billion US market is significant, with brands eager to capitalize on retailer first-party data to reach shoppers with relevant advertising experiences. In this session with retail media leaders, we examine how retail media networks are evolving to meet consumers shopping behaviors wherever they are, whether that be in-store or online.
Presentation from NRF 2023: Retail's Big Show
Adam Braun, Illinois Attorney General's Office
David Johnston, National Retail Federation
Millie Kresevich, EssilorLuxottica
Maria Michel-Manzo, Homeland Security Investigations
Organized retail crime (ORC) is a growing threat to retailers of all sizes, is imperiling employee and customer safety, and is hurting companies’ financial performance. This session will highlight how ORC threats are evolving, how law enforcement and retailers can work together more effectively on ORC investigations, and what NRF is doing to support legislation and industry initiatives that will help to counter ORC.
Voice in retail: It speaks, it listens, it’s impacting our real world businessesNational Retail Federation
Presentation from NRF 2023: Retail's Big Show
Glenn Allison, Tractor Supply Company
Donald Buckley, Lullaboo Studios,
Treehouse Consulting, LLC
Vicki Cantrell, Vendors in Partnership LLC
Mirko Saul, Schwarz Digital GmbH & Co. KG
You may know it as smart speaker, or the voice that tells jokes to your kids. You may think it’s a marketing channel, or only available through Big Tech.
Think again. A number of leading retailers know conversational artificial intelligence – voice assistance -- as a technology that is creating operational efficiencies (from warehouse to store), aiding employee retention, and lifting brand affinity. A technology that’s not only on the roadmap, but in implementation. (And in ways you may not expect.)
Join industry leader Vicki Cantrell and top executives from retail and entertainment as she pulls back the covers on the value of voice and retail, and explores the questions you’d ask: what’s real, what’s not, and what’s next? Where and how is this better than what we’re doing now? How do we protect the privacy of our customers – and our own data? How do we get started, and with whom?
Presentation from NRF 2023: Retail's Big Show
Ira Kalish, Deloitte Touche Tohmatsu Ltd.
In 2022, the world has faced significant challenges that have continued to disrupt the retail industry. We have seen inflation, war, the pandemic, climate change, supply chain challenges, changing government policies, and even increased talk about deglobalization. In this presentation, Dr. Ira Kalish, Deloitte’s Chief Global Economist, will discuss these issues as he offers his view on continued evolution and what retailers can expect in 2023 and beyond.
3. PwC: Bridging the financial literacy gap
do not know how to use
a credit card effectively
Jumpstart
50%
of teens
believe schools do not do
enough to educate kids
about money
Creative Wealth International
43%
of parents /
guardians
do not feel competent to
teach personal finance
topics
FDIC
80%
of teachers
5. Survey result
#1:
Do you feel that
high school and
college
prepared you to
be financially
literate?
No
61%
Absolutely
Not
31%
Kind Of?
8%
6. Paying my own bills
How to preserve the
benefits my parents have
built for me instead of
squandering them away
I feel like the main stress I
have now is that I know that
I am not particularly good at
keeping track of my finances
- I just got my first credit
card this week (I have been
told for years that I should
have one of those), I have all
of my money in my checking
account because until like 2
months ago I didn't have a
savings account (which
apparently also is a bad
idea?).
Filing my
taxes
Building credit. I had
absolutely no idea how that
worked. I thought if I didn't have
a credit card or didn't use it much
it was good....
1) Determining which 401k plan to
enroll in (how much risk did I want to
take?)
2) What % of my salary I could actually
afford to contribute to my 401k each
year
Budgeting
Long
term
financial
planning
Survey result #2: What were you most
nervous about related to finances when
you were entering real life?
10. 57% of US households
do not have a budget.
(Don’t be one of those
households)Economic Watch
11. This is a budget
Quick tips:
1. Don’t spend more than you
make
2. Account for savings and
emergency fund
3. Use apps to track your
spending
4. Stick to it!
14. #DidYouKnow…
• You spend 12-18% more when you swipe a card instead of
paying in cash. Dun and Bradstreet
• The average household credit card debt is $15,706. Nerdwallet
• 56% of Americans have no idea their credit score is the MOST
IMPORTANT FACTOR in applying for any loan – only 58%
of Americans have “good” credit score ratings or higher. Business Insider
15. CREDIT:
What is it?
Our spending habits and
payment histories often
serve as a means by
which some
organizations and
companies determine
how much they can trust
us.
16. CREDIT
REPORTS
Collect:
• Consumer Information
• Consumer Statement
• Summary Information
• Account History Information
• Public Record Information
• Inquiry Information
• Creditor Information
18. CREDIT:
DOs
1. Build credit: get a credit
card
Student credit union
authorized user
2. Use your card for routine
expenses
Daily coffee, groceries
3. Pay your expenses on
time and monthly
19. CREDIT:
DON’Ts
1. Don’t open too many
cards at the same time
Red flag for lenders
2. Don’t open another card
to pay off older cards
3. Don’t close old credit
cards
The length of your credit
history matters
22. Survey result #3: What surprised you
when learning about your personal
finances?
• “Setting up a 401(k)is v straightforward (*used "v" instead of very to make it sound
more hip) and I'm kicking myself that I waited until two years into my job to set one up.
But I'm still glad I did it when I was 25 instead of waiting until years down the road.”
• “More difficult than I expected: selecting which funds to allot my 401(k) savings into.”
• “How quickly 401(k)s can grow once you start putting into it!”
• “How much I spend on food and coffee. It’s insane.”
23. #DidYouKnow…
• 46% of all US workers have less than $10,000 saved for
retirement and 29% have less than $1,000 saved for
retirement. Time
• 63% Of Americans don't have enough savings to cover a $500
emergency. Bankrate.com
27. The 411 on
your 401(k)
• Established companies
offer retirement plans –
your 401(k)
• Company takes $$$ out of
your paycheck and invests
it for you (you have the
option to invest more if
you choose to)
• Upon retirement, $$$ paid
back to you to help with
living expenses
28. Investing:
?????????????
• Timing is important
• $$$ you decide to take
out and invest on your
own
• Research your personal
investment strategy
(stocks, bonds, mutual
funds)
29. SAVING:
TIPS
1. Start saving early
Every dollar counts
2. Compound interest is a
beautiful thing
3. You can never predict an
emergency
31. #DidYouKnow…
• Only 50% of millennials with student loans were “very
confident” in their ability to pay off their student loans. Junior Achievement
• 24% of millennials believe their student loan debt will
ultimately be forgiven. Junior Achievement
32. Student
Loans:
3 strategies to
know
1. Deferment
Putting your loans on hold
2. Targeting
Prioritizing payments to one
loan
3. Consolidation
Packaging multiple loans into
a single loan
35. Why financial literacy?
$1.3 trillion of student loans in the United States of which 11.8% are delinquent or in default. Forbes
39% of adults received a passing grade when asked about basic financial knowledge (mortgage
payments, investment returns). CNBC
46%
17 states
of teens do not know how to create a budget effectively. PwC
require students to take a personal finance course as a high school graduation requirement.
Council for Economic Education