The document provides a summary of key findings from a survey of 1,000 US adults about personal finance experiences and perceptions. Some key findings include:
- Nearly half have less savings than expected and almost three-quarters feel behind on retirement savings.
- Most hold some type of debt and feel it prevents fulfilling life, but only half feel comfortable discussing debt.
- Lack of income/funds, not behavior, are cited as main reasons for financial issues.
- Financial education is seen as key to debt reduction and savings but many lack access to resources.
Consumer awareness of identity theft and tax-related fraud is on the rise this year, and along with it increased concerns over becoming a victim. Experian recently surveyed consumers nationwide for its annual tax study, focusing on a number of tax related topics including filling habits, identity theft and what they are doing to protect themselves this tax season.
’Tis the season to be jolly — but it’s not so jolly for many consumers, as the holidays can cause financial stress and often put consumers into debt. According to a nationwide survey from Experian, the primary reason is that most consumers don’t create budgets and are unprepared to cover added expenses beyond gifts, such as postage costs, hostess gifts, gift-wrapping supplies and greeting cards.
Consumers need more education on how to better manage their credit as they prepare to buy a home, according to findings from a national survey by Experian. The survey, among individuals who are recent home buyers or are planning to purchase a home, showed that consumers understand having a good credit profile is key to making their homebuying dream come true but it is one of the reasons they say they are denied a loan.
Experian Summer Travel and Budgeting Survey Report, 2015Experian_US
With the busiest time of year for recreational travel already under way, learn how to protect yourself from identity theft while enjoying the sights. Compare your vacation budgeting strategy to others, see how often people can stick to the budget they've set, and much more.
Experian recently surveyed newlyweds nationwide to see what role credit and finances play in establishing a life together and achieving long-term financial goals, such as buying a home. The results suggest financial discussions should take place before saying “I do.”
Experian Mobile App Use and Preference: Survey Report, 2015Experian_US
Discover how financial app users deck security against convenience in survey findings from a recent study by Experian. Learn why 90 percent of respondents indicated that immediate access to financial apps made them feel more in control of their financial welfare, and much more.
Ecs college graduate survey report finalExperian_US
College students may be about to receive their degrees but their credit education still needs some schooling. A national survey by Experian of college students graduating this year found that 69 percent of respondents will have student loan debt upon graduation. Despite the fact that most students accumulate debt, 71 percent of survey respondents said they did not learn about credit and debt management in college, giving their schools an average grade of C when it comes to preparing them to manage credit and debt after college.
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.
Consumer awareness of identity theft and tax-related fraud is on the rise this year, and along with it increased concerns over becoming a victim. Experian recently surveyed consumers nationwide for its annual tax study, focusing on a number of tax related topics including filling habits, identity theft and what they are doing to protect themselves this tax season.
’Tis the season to be jolly — but it’s not so jolly for many consumers, as the holidays can cause financial stress and often put consumers into debt. According to a nationwide survey from Experian, the primary reason is that most consumers don’t create budgets and are unprepared to cover added expenses beyond gifts, such as postage costs, hostess gifts, gift-wrapping supplies and greeting cards.
Consumers need more education on how to better manage their credit as they prepare to buy a home, according to findings from a national survey by Experian. The survey, among individuals who are recent home buyers or are planning to purchase a home, showed that consumers understand having a good credit profile is key to making their homebuying dream come true but it is one of the reasons they say they are denied a loan.
Experian Summer Travel and Budgeting Survey Report, 2015Experian_US
With the busiest time of year for recreational travel already under way, learn how to protect yourself from identity theft while enjoying the sights. Compare your vacation budgeting strategy to others, see how often people can stick to the budget they've set, and much more.
Experian recently surveyed newlyweds nationwide to see what role credit and finances play in establishing a life together and achieving long-term financial goals, such as buying a home. The results suggest financial discussions should take place before saying “I do.”
Experian Mobile App Use and Preference: Survey Report, 2015Experian_US
Discover how financial app users deck security against convenience in survey findings from a recent study by Experian. Learn why 90 percent of respondents indicated that immediate access to financial apps made them feel more in control of their financial welfare, and much more.
Ecs college graduate survey report finalExperian_US
College students may be about to receive their degrees but their credit education still needs some schooling. A national survey by Experian of college students graduating this year found that 69 percent of respondents will have student loan debt upon graduation. Despite the fact that most students accumulate debt, 71 percent of survey respondents said they did not learn about credit and debt management in college, giving their schools an average grade of C when it comes to preparing them to manage credit and debt after college.
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.
As tax time for Americans approaches, learn how the increasing popularity of electronic filing means that the security of your data is in your hands now more than ever. How are others planning to use the funds they anticipate as a return? And what's the most popular way for home filers to submit their information? For answers to these questions (and many more), review our summary of tax time learnings to keep your own practices sharp in 2015 and beyond.
Experian Millennial Credit & Finance Survey Report Part I of IIExperian_US
Experian releases the first of two reports originating from a survey of more than 1,000 millennials, ages 19-34, about a variety of personal finance topics – from their future views, to loan status, to credit knowledge, to use of technology. The survey follows a July 2015 report from Experian that analyzed credit bureau data and placed millennials last in generational credit score rankings.
T. Rowe Price’s 14th annual Parents, Kids & Money Survey, which sampled more than 2,000 parents and their 8- to 14-year-old kids, reveals insights around parents’ and kids’ knowledge and interest in cryptocurrency. This year’s survey findings also underscore the ongoing impacts of the pandemic, notably how the economic fallout from the pandemic has disproportionately impacted women, referred to by some as a “She-cession.” To help parents discuss money matters with their kids, the firm created MoneyConfidentKids.com, which provides free online educational games, classroom lessons for educators, and tips for parents that are focused on financial concepts, such as goal-setting, spending versus saving, inflation, asset allocation, and investment diversification.
T. Rowe Price’s 2019 Parents, Kids & Money Survey found that stress among parents who are caring for both their kids and aging family members, commonly known as the sandwich generation, is negatively impacting their money habits and their kids’ money habits.
T. Rowe Price’s 2020 Parents, Kids & Money Survey found that parents who try to keep up a financial façade are more reluctant to discuss money with their kids. To help parents discuss money with their kids, the firm created MoneyConfidentKids.com.
Human Resources Perspective: A Survey of Larger 401(k) PlansT. Rowe Price
The study reveals the views of human resources and benefits professionals administering 401(k) plans with assets of $100 million to over $1 billion. It took place in late 2016 and is based on telephone and online surveys of a nationally representative sample of 269 executives.
Reaching Consumers in the Third Open Enrollment Period: Who Are They and What...Enroll America
The webinar featured the latest research on the remaining uninsured and those currently enrolled in marketplace coverage who need to renew, and what messages these consumers need to hear in the third enrollment period.
T. Rowe Price Parents, Kids & Money SurveyT. Rowe Price
T. Rowe Price’s 2017 Parents, Kids & Money Survey analyzed parent attitudes and behaviors that were associated with kids’ financial habits. The survey found that positive money behaviors and expectations among kids are often associated with parents’ decision to let their kids decide how to save and spend their money on their own, as well as modeling good financial habits. Conversely, troubling financial habits among kids were more frequently seen when parents have a troubling history with money. Learn more in this deck.
Generational Retirement Trends Study - 2015T. Rowe Price
T. Rowe Price's recent Retirement Saving & Spending Study revealed that across groups of 401(k) savers, millennials are following better financial habits than those of baby boomers.
“We think it’s encouraging that millennials are so receptive to saving for retirement and that they are generally practicing good financial habits,” says Anne Coveney, senior manager of Retirement Thought Leadership at T. Rowe Price who led this research study. “When they have the means to do the right thing, it appears that they often do.’
Throughout this presentation, we uncover how different generational workers are saving and spending, and indentify the statistics that differentiate these populations.
Our sixth annual Parents, Kids & Money Survey revealed that boys and girls are not equally prepared when it comes to learning about money matters at home. We also found a correlation between talking to kids of either gender about financial concepts and kids developing positive financial behaviors.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
Our seventh annual Parents, Kids & Money Survey revealed that parents are letting their kids, who are 8-14 years old, learn about money the hard way, but may not be having the appropriate financial conversations to help guide their decisions. Additionally, the survey found that a growing number of parents think that it is appropriate for schools to teach financial education, and 75% of parents think there should be a personal finance requirement to graduate high school.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
T. Rowe Price's Parents, Kids & Money survey revealed that kids who get an allowance are more money savvy than those who do not. The single biggest factor associated with financially knowledgeable kids, however, is whether their parents talk to them about money matters. Money lessons can be most powerful when parents combine conversations with experiences.
"Conversations can guide experience, and experience can put those conversations into practice—the two work together," says Judith Ward, a senior financial planner at T. Rowe Price.
T. Rowe Price encourages parents to talk to their kids about money matters weekly. To help, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on the financial concepts.
T. Rowe Price: Understanding Investor Attitudes Toward RetirementT. Rowe Price
A new T. Rowe Price study revealed that nearly half (47%) of baby boomers and Gen Xers believe their ideal retirement is very attainable and another 45% believe it is somewhat attainable. The study included a national sample of 2,000 individuals age 36 or older who are either retired or who have taken initial steps to prepare for retirement.
TripBarometer September 2013 - The global traveller economyStephaleeB
TripAdvisor's second biannual TripBarometer report presents key trends and insights into the global travel economy. The survey is based on findings from over 30,000 traveler and accommodation business owner respondents from all over the world.
T. Rowe Price's 10th Annual Parents, Kids & Money Survey – Holiday Spending T. Rowe Price
The findings related to holiday saving and spending in T. Rowe Price’s 2018 Parents, Kids, & Money Survey found that parents who try to get everything on their kids’ holiday wish lists are more likely to report that they have gone into debt for their kids, worry that they’re spoiling their kids, and have kids who are less likely to save their own money. Additionally, parents who participate in promotional days, such as Black Friday and Cyber Monday, are more likely to splurge.
T. Rowe Price’s 2019 Parents, Kids & Money Survey found that many parents say college costs aren’t their responsibility, but most kids expect their parents to cover college costs.
2015 Family Financial Trade-offs Survey HighlightsT. Rowe Price
T. Rowe Price's 2015 Family Financial Trade-offs Survey revealed that parents are putting their own retirement security on the back-burner to support their kids’ education and cover their own personal student loans. In this survey, we examined how families are saving and paying for college, saving for retirement, and their current attitudes and feelings about their competing financial priorities. The survey is based on a national sample of 2,000 parents who have a retirement account, and have kids ages 15 and under.
Make Our Money Sing: A Money Mustachian Adventureslidehill
Me and my wife, crushing our personal loan debt - Inspired by the ideas and principles espoused by Mr. Money Mustache
http://www.mrmoneymustache.com/
Deck built using Haiku Deck
www.haikudeck.com
As tax time for Americans approaches, learn how the increasing popularity of electronic filing means that the security of your data is in your hands now more than ever. How are others planning to use the funds they anticipate as a return? And what's the most popular way for home filers to submit their information? For answers to these questions (and many more), review our summary of tax time learnings to keep your own practices sharp in 2015 and beyond.
Experian Millennial Credit & Finance Survey Report Part I of IIExperian_US
Experian releases the first of two reports originating from a survey of more than 1,000 millennials, ages 19-34, about a variety of personal finance topics – from their future views, to loan status, to credit knowledge, to use of technology. The survey follows a July 2015 report from Experian that analyzed credit bureau data and placed millennials last in generational credit score rankings.
T. Rowe Price’s 14th annual Parents, Kids & Money Survey, which sampled more than 2,000 parents and their 8- to 14-year-old kids, reveals insights around parents’ and kids’ knowledge and interest in cryptocurrency. This year’s survey findings also underscore the ongoing impacts of the pandemic, notably how the economic fallout from the pandemic has disproportionately impacted women, referred to by some as a “She-cession.” To help parents discuss money matters with their kids, the firm created MoneyConfidentKids.com, which provides free online educational games, classroom lessons for educators, and tips for parents that are focused on financial concepts, such as goal-setting, spending versus saving, inflation, asset allocation, and investment diversification.
T. Rowe Price’s 2019 Parents, Kids & Money Survey found that stress among parents who are caring for both their kids and aging family members, commonly known as the sandwich generation, is negatively impacting their money habits and their kids’ money habits.
T. Rowe Price’s 2020 Parents, Kids & Money Survey found that parents who try to keep up a financial façade are more reluctant to discuss money with their kids. To help parents discuss money with their kids, the firm created MoneyConfidentKids.com.
Human Resources Perspective: A Survey of Larger 401(k) PlansT. Rowe Price
The study reveals the views of human resources and benefits professionals administering 401(k) plans with assets of $100 million to over $1 billion. It took place in late 2016 and is based on telephone and online surveys of a nationally representative sample of 269 executives.
Reaching Consumers in the Third Open Enrollment Period: Who Are They and What...Enroll America
The webinar featured the latest research on the remaining uninsured and those currently enrolled in marketplace coverage who need to renew, and what messages these consumers need to hear in the third enrollment period.
T. Rowe Price Parents, Kids & Money SurveyT. Rowe Price
T. Rowe Price’s 2017 Parents, Kids & Money Survey analyzed parent attitudes and behaviors that were associated with kids’ financial habits. The survey found that positive money behaviors and expectations among kids are often associated with parents’ decision to let their kids decide how to save and spend their money on their own, as well as modeling good financial habits. Conversely, troubling financial habits among kids were more frequently seen when parents have a troubling history with money. Learn more in this deck.
Generational Retirement Trends Study - 2015T. Rowe Price
T. Rowe Price's recent Retirement Saving & Spending Study revealed that across groups of 401(k) savers, millennials are following better financial habits than those of baby boomers.
“We think it’s encouraging that millennials are so receptive to saving for retirement and that they are generally practicing good financial habits,” says Anne Coveney, senior manager of Retirement Thought Leadership at T. Rowe Price who led this research study. “When they have the means to do the right thing, it appears that they often do.’
Throughout this presentation, we uncover how different generational workers are saving and spending, and indentify the statistics that differentiate these populations.
Our sixth annual Parents, Kids & Money Survey revealed that boys and girls are not equally prepared when it comes to learning about money matters at home. We also found a correlation between talking to kids of either gender about financial concepts and kids developing positive financial behaviors.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
Our seventh annual Parents, Kids & Money Survey revealed that parents are letting their kids, who are 8-14 years old, learn about money the hard way, but may not be having the appropriate financial conversations to help guide their decisions. Additionally, the survey found that a growing number of parents think that it is appropriate for schools to teach financial education, and 75% of parents think there should be a personal finance requirement to graduate high school.
T. Rowe Price encourages parents to invest in their kids’ future by talking to them about money matters weekly. Visit http://moneyconfidentkids.com for help.
T. Rowe Price's Parents, Kids & Money survey revealed that kids who get an allowance are more money savvy than those who do not. The single biggest factor associated with financially knowledgeable kids, however, is whether their parents talk to them about money matters. Money lessons can be most powerful when parents combine conversations with experiences.
"Conversations can guide experience, and experience can put those conversations into practice—the two work together," says Judith Ward, a senior financial planner at T. Rowe Price.
T. Rowe Price encourages parents to talk to their kids about money matters weekly. To help, the firm created MoneyConfidentKids.com, which provides free online games for kids, lessons for educators, and tips for parents, focused on the financial concepts.
T. Rowe Price: Understanding Investor Attitudes Toward RetirementT. Rowe Price
A new T. Rowe Price study revealed that nearly half (47%) of baby boomers and Gen Xers believe their ideal retirement is very attainable and another 45% believe it is somewhat attainable. The study included a national sample of 2,000 individuals age 36 or older who are either retired or who have taken initial steps to prepare for retirement.
TripBarometer September 2013 - The global traveller economyStephaleeB
TripAdvisor's second biannual TripBarometer report presents key trends and insights into the global travel economy. The survey is based on findings from over 30,000 traveler and accommodation business owner respondents from all over the world.
T. Rowe Price's 10th Annual Parents, Kids & Money Survey – Holiday Spending T. Rowe Price
The findings related to holiday saving and spending in T. Rowe Price’s 2018 Parents, Kids, & Money Survey found that parents who try to get everything on their kids’ holiday wish lists are more likely to report that they have gone into debt for their kids, worry that they’re spoiling their kids, and have kids who are less likely to save their own money. Additionally, parents who participate in promotional days, such as Black Friday and Cyber Monday, are more likely to splurge.
T. Rowe Price’s 2019 Parents, Kids & Money Survey found that many parents say college costs aren’t their responsibility, but most kids expect their parents to cover college costs.
2015 Family Financial Trade-offs Survey HighlightsT. Rowe Price
T. Rowe Price's 2015 Family Financial Trade-offs Survey revealed that parents are putting their own retirement security on the back-burner to support their kids’ education and cover their own personal student loans. In this survey, we examined how families are saving and paying for college, saving for retirement, and their current attitudes and feelings about their competing financial priorities. The survey is based on a national sample of 2,000 parents who have a retirement account, and have kids ages 15 and under.
Make Our Money Sing: A Money Mustachian Adventureslidehill
Me and my wife, crushing our personal loan debt - Inspired by the ideas and principles espoused by Mr. Money Mustache
http://www.mrmoneymustache.com/
Deck built using Haiku Deck
www.haikudeck.com
Friday Sessions for Salesforce Admins at Dreamforce 2016Salesforce Admins
To help maximize your experience at Dreamforce we're providing you with all of the Friday sessions for Admins at the biggest Dreamforce EVER! Check out the hottest sessions handpicked just for you, to help you learn more about moving business forward faster with the Salesforce Platform. Start building your Admin journey now.
“Pintxo” de poivrons de piquillos farcis au thon blanc avec anchois cantabriq...Olmeda Orígenes
“Pintxo” de poivrons de Piquillos farcis au thon blanc avec anchois cantabriques et piments basques
Ingrédients:
• Thon blanc à l’huile d’olive
• Poivrons de Piquillo de Navarre
• Filets d’anchois cantabriques
• Piments basques Olmeda Origenes
• Tranche de pain
• Huile d’olive extra vierge
Mode de préparation:
1. Farcir soigneusement le poivron de Piquillos de Navarre avec le thon blanc Olmeda Origenes et la déposer sur la tranche de pain.
2. Placer un filet d’anchois cantabrique au-dessus du poivron.
3. Enfiler un piment rouge entier sur un cure-dent et avec, traverser l’anchois et le poivrons pour fixer tous les ingrédients au pain.
4. Avec une bouteille d’huille d’olive, verser un filet d’huile sur les “pintxos” pour qu’ils gagnent en fraicheur et en saveur.
Sven Mary trekt financiële situatie kantoor bijna rechtThierry Debels
Na een bijzonder slecht boekjaar 2014 heeft de vennootschap van advocaat Sven Mary de jaarrekening over 2015 neergelegd.
De cijfers zien er een pak beter uit dan in 2014. Toen werd een groot verlies opgetekend. In 2015 werd er zelfs een bescheiden winst gemaakt door de bvba Buisseret & Mary.
Hierdoor zag het eigen vermogen er eind 2015 ook iets minder dramatisch uit dan een jaar eerder. De financiële toestand van de bvba is evenwel per 31 december 2015 nog steeds niet helemaal genormaliseerd.
Marketing Roundtable Panel in Ann Arbor Michigan
held on - 11.20.07 at SPARK Central.
Linda Girard, Co-founder & Visionary of Pure Visibility, Inc. created and moderated the panel of experts.
Panelists included:
• Andy King, founder, Website Optimization
& author “Speed Up Your Site”
• Daniel O'Neil, Alchemist & Lead Analyst,
Pure Visibility
• Abbey Beardslee, Sale Planner,
MySpace.com/FOX Interactive
Thông tư 14/2016/TT-BGTVT ngày 28/06/2016 hướng dẫn thực hiện việc cân xác nhận khối lượng toàn bộ công-te-nơ vận tải biển tuyến quốc tế.
Trong Thông tư 14/2016/TT-BGTVT, các từ ngữ dưới đây được hiểu như sau:
1. Người gửi hàng là tổ chức, cá nhân sở hữu hàng hóa hoặc ủy quyền cho tổ chức, cá nhân hợp pháp đứng tên trên vận đơn, chứng từ vận tải hoặc giao kết hợp đồng vận tải đa phương thức.
2. Khối lượng toàn bộ công-te-nơ bao gồm khối lượng hàng hóa, khối lượng vật liệu chèn, lót, chằng buộc và khối lượng vỏ công-te-nơ.
3. Xác nhận khối lượng toàn bộ công-te-nơ là văn bản ghi nhận khối lượng toàn bộ công-te-nơ vận tải biển tuyến quốc tế do người gửi hàng cung cấp.
4. Đơn vị cân là tổ chức, cá nhân có thiết bị cân xác định khối lượng toàn bộ công-te-nơ được kiểm định theo quy định của pháp luật về đo lường. Đơn vị cân có thể là người gửi hàng hoặc tổ chức, cá nhân cung cấp dịch vụ.
Aegon's new report – Inspiring a World of Habitual Savers is based on findings from the 2015 Aegon Retirement Readiness Survey. This is one of the largest global retirement surveys of its kind, covering the views of 16,000 people in 15 countries around the globe. Vis
AOL & The Consumer Bankers Association: Finance Optimism IndexMike Gong
The CBA/AOL Finance Optimism Index measures Americans’ level of optimism about their personal finances. The index tracks across four important variables: optimism about personal financial future, worry about current finances, whether news about personal finances has been positive, and worry about how the economy and politics affect personal finances. The index is measured continuously, and results are published on a monthly basis.
- See more at: http://www.financeoptimism.org/
E-learning Personal Finance Management - with design v2 .pptxakinsumboayomide
Basic financial vocabulary
The goal of financial planning
Tools for financial planning and budgeting
Introduction to savings and investments
Overview of lending products
Financial Planning - Helping You Sail Successfully into the FutureFrank Wiginton
This is a short e-book I wrote to help dispel some of the myths about financial planning and educate the public on what financial planning really is and what it can do and provide.
Consumers may not feel so jolly once they head into this year’s holiday shopping season. According to a national survey by Experian, many respondents are concerned about the financial stress of gift buying and adding debt, as well as becoming an identity theft victim.
Conferencia inaugural del ciclo que sobre 'Educación financiera' organiza la Fundación Ramón Areces con IE business school. Annamaria Lusardi, una de las mayores expertas mundiales en esta materia, da a conocer aquí los resultados de varios estudios y sus conclusiones. "En el siglo XXI, ofrecer educación financiera debería ser algo tan básico como enseñar a leer y a escribir", explica.
• Independent advisors and distributor of financial products, real estate & loans
• Vast Industry experience with comprehensive knowledge of financial products, real estate & mortgage
• Working with Business Class, Professionals, Self Employed & employees of Corporates such as GE Capital, Evalueserve, Simon Carves, Metso Minerals, Canon, McKenzie, Genpact, Cairn India, Philips, Punj Lloyd, Cargill, Hughes, etc.
In order to access the level of financial inclusion in New Delhi, a survey was conducted in area of Govindpuri, Kalkaji, CR park (South Delhi) through a questionnaire.
A sound financial plan will help you make informed choices when faced with life’s inevitable changes and help you live the life you want with the resources you have available. How? this presentation from the Financial Planning Standards Council of which I'm a member
Credit & Money Tips for Military FamiliesExperian_US
Join our weekly #CreditChat on Twitter, Periscope, Snapchat & YouTube Live every Wednesday at 3 p.m. ET. This week, we talked about ways military families can improve their finances and credit.
The panel included: J.J. Montanaro: USAA Financial Planner; VeteransUnited; Rod Griffin– Director of Public Education at Experian and Mike Delgado– Social Media Community Manager at Experian.
This deck features tips from: @StopFraudCo, @JerryBuchko, @veteransunited, @care4yourfuture, @LeslieHTayneEsq, @FinanceLacey, @jj_USAA, @StacySmith0615, @ConsolidatedUS, @Rod_Griffin, @AirForceFCU, and @Kasasa.
Pay Off Debt: How to Pay Down Debt FasterExperian_US
Join our weekly #CreditChat on Twitter, Periscope, Snapchat & YouTube every Wednesday at 3 p.m. ET. This week, we talked with Zina Kumok about how she paid off $28,000 in debt within 3 years.
The panel included: Zina Kumok: Founder of Debt Free After Three; Rod Griffin– Director of Public Education at Experian and Mike Delgado– Social Media Community Manager at Experian.
This deck features tips from: @FinanceLacey, @LeslieHTayneEsq, @creditscoop, @FrogskinU, @JustOnePay, @saveforgem, @KOFETIME, @FamZoo, @moneyinmy30s, @SavingFreak, @StacySmith0615, @FedChoiceFCU, @Purefy, @AirForceFCU, @care4yourfuture, @kevincswanson, @suddenlyfrugal, @Rod_Griffin, and @debtcom.
Join our weekly #CreditChat on Twitter & Google Hangouts every Wednesday at 3 p.m. ET.
The panel included: Jeanne Kelly– Credit Coach, speaker and author; Rod Griffin– Director of Public Education at Experian and Mike Delgado– Social Media Community Manager at Experian.
This deck features tips from: @KOFETIME, @creditscoop, @Rod_Griffin, @Purefy, @LeslieHTayneEsq, @AirForceFCU, @SFCUNews, @FedChoiceFCU, @taynelawgroup, @JustOnePay, @CaryCarbonaro, @moneyinmy30s, @care4yourfuture, and @jennifercwhite.
Join our weekly #CreditChat on Twitter & Google Hangouts every Wednesday at 3 p.m. ET.
The video panel included: Jill Castilla: President & CEO of Citizens Bank of Edmond; Rod Griffin: Director of Public Education at Experian and Mike Delgado: Social Media Community Manager at Experian.
This deck features tips from: @care4yourfuture, @FedChoiceFCU, @KOFETIME, @benpankonin, @ICBA_Jessica, @LisaWeinberger, @ConsolidatedUS, @FlaxJessica, @navicorePR, @debtcom, @Kasasa, @CitizensEdmond, @KasasaNews, and @HighYaReviews.
Join our #CreditChat every Wednesday at 3pm ET on Twitter and Google Hangouts. This week's #CreditChat was inspired by Financial Literacy Month and featured an amazing panel: Brian Page– teacher, financial Literacy leader and advocate, Bill Dwight– CEO and Founder of FamZoo, Sam Renick– Founder of DreamBigDay.net and Mike Delgado– Social Media Community Manager at Experian.
This deck features tips from: @LeslieTayneEsq, @FamZoo, @SouthStateBank, @kevincswanson, @FinEdChat, @FedChoiceFCU, @PicaCreditUnion, @Care4YourFuture, @Catherinebyerly, @CinfedCU, @KOFETIME, @JustOnePay, @nickelapp, @dreambigclub, @creditscoop, and @FrogSkinU, @AirForceCU.
Investing 101: How to Prepare for RetirementExperian_US
Join our weekly #CreditChat on Twitter & Blab every Wednesday at 3 p.m. ET. The panel included: Walter Updegrave: Former CNNMoney Ask the Expert columnist and Founder of RealDealRetirement.com, Kiplinger Retirement Report, Rod Griffin- Director of Public Education at Experian and Mike Delgado- Social Media Community Manager at Experian.
This deck features tips from: @taynelawgroup, @KOFETIME, @kevincswanson, @JustOnePay, @SFCUNews, @FedChoiceFCU, @LeslieHTayneEsq, @AirForceFCU, @care4yourfuture, @StopFraudCo, @KiplingerRetire, and @FrogskinU.
Join our weekly #CreditChat on Twitter & Blab every Wednesday at 3 p.m. ET. The Twitter panel included: Sallie Mae - Helping Students and Families Pay for College; Ashley Hill - Scholarship Search Strategist; Inceptia - Non-Profit Org Focused on Higher Education Access, and CordiaGrad - Helping Grads Take Control of Student Loans. The video panel included: Carissa Uhlman - Vice President of Student Success at Inceptia; Ashley Hill - Scholarship Search Strategist; Rod Griffin - Director of Public Education at Experian, and Mike Delgado - Social Media Community Manager at Experian.
This deck features tips from: @SelfLender, @SallieMae, @KOFETIME, @GiftofCollege, @CordiaGrad, @Rod_Griffin, @TCAsolutions, @suddenlyfrugal, @taynelawgroup, @ConsolidatedUS, @Kasasa, @nerdgrad, @wisebread, @SmartWomanCan, @care4yourfuture, @GamezLawFirm, @AirForceFCU, @ACAIntl, @MrsAmandaReed, @moneyinmy30s.
Women and Money: Building Wealth and Banishing FearExperian_US
Join our weekly #CreditChat on Twitter & Blab every Wednesday at 3 p.m. ET. The panel included: Cary Carbonaro, CFP: Author & Founder of MoneyQueenGuide.com; Rod Griffin- Director of Public Education at Experian and Mike Delgado- Social Media Community Manager at Experian.
This deck features tips from: @AirForceFCU, @MiriamSCross, @MrsAmandaReed, @CaryCarbonaro, @kevincswanson, @expgstockton, @kclmoneycoach, @WealthwithMina, @JoannaZarach, @SelfLender,
@FedChoiceFCU, @Pennies4Pigs, @moneyinmy30s, @navicorePR, @ubiquitysavings,
Women, the Workplace and Money: How to Take Action Today and Plan for Tomorro...Experian_US
As part of Experian’s Leadership Connections: Women Speaker Series, we were honored to host best-selling author, speaker and TV personality, Cary Carbonaro for an intimate discussion on the topic of "Women, the Workplace and Money".
Cary shared key tips for women on how we can build a financially-thoughtful and secure future from her new bestselling new book, "The Money Queen’s Guide."
‘Tis the season to give thanks and give back to the community! Join us and share how you showing love to those around you.
This week's #CreditChat included ways to give thanks to others and continue paying it forward.
The panel included: Kasasa – a national brand of free rewards checking accounts offered exclusively at community financial institutions, Amy Robles- Founder of ThinkEnriched.com, Keryl Pesce- Author of “Share This Journal,” entrepreneur, radio co-host and inspirational speaker, Jeanne Kelly- Credit Coach/Expert at Credit.com, and Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian.
The chat featured tips from @care4yourfuture, @andrewluu1, @Kasasa, @CompareCards, @SavingFreak, @CaryCarbonaro, @MoneyCrashers, @PicaCreditUnion, @CordiaGrad, @mymoneycoach_ca, @Rod_Griffin, @PHAVZ, @suddenlyfrugal, @KOFETIME, @moneytalk1, and @wisebread.
Have you ever bought something to improve your mood? Are there any emotional triggers that make you want to spend money?
This week’s #CreditChat featured smart tips to help you control your spending this holiday season. The panel included: Ginger- Founder of Girls Just Wanna Have Funds, Paul Moyer, Founder of Saving Freak, Rod Griffin- Director of Public Education at Experian and Mike Delgado- Social Media Community Manager at Experian.
The chat featured tips from @SavingFreak, @Rod_Griffin, @Credit_IQ, @care4yourfuture, @suddenlyfrugal, @Kasasa, @CordiaGrad, @FTWCCU, @WeAreMortgages, @MoneyCrashers, @DebbiKing, @jennifercwhite, @KOFETIME, @SFCUNews, @MiriamSCross, @FedChoiceFCU, and @BeverlyHarzog.
Are you trying to watch your waistline and your budget this holiday season? Then you won’t want to miss the tips from this chat about frugal and healthy holiday eats and activities.
The panel included: Ben Edwards: Founder of MoneySmartLife, John Schneider & David Auten: Founders of Debt Free Guys, Rod Griffin- Director of Public Education at Experian and Mike Delgado- Social Media Community Manager at Experian.
This deck featured tips from @SFCUNews, @CordiaGrad, @DebtFreeGuys, @gabbyknows, @myCCCU, @CompareCards, @babiexnicci, @Kasasa, @GiftofCollege, @DebbiKing, @SavingFreak, @PicaCreditUnion, @KOFETIME, @FedChoiceFCU, @UrMoneyMentor, @suddenlyfrugal, and @MiriamSCross.
Do you have to do some traveling this holiday season? Don’t let the seasonal prices get the best of you! This chat featured tips and tricks to help you save money on your travel expenses.
Our panel included: Tonya Rapley- Certified Financial Educator, Millennial Money Coach and Founder of MyFabFinance.com, Paul Moyer- Founder of SavingFreak.com, Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian.
This deck featured tips from: @suddenlyfrugal, @SavingFreak, @DebbiKing, @MyFabFinance, @robert_harrow, @KOFETIME, @care4yourfuture, @WealthwithMina, @payoff, @wisebread, and @MiriamSCross.
This deck features tips about way to grow your small business and position it for success from Brian Ward- Senior Director for Experian Business Information Services, Meredith Wood- Editor-in-Chief for Fundera, Gerri Detweiler- Head of Marketing Education for Nav, Ebong Eka- C.P.A., Business Coach, Strategist and Bestselling Author of Start Me Up, Tom Gazaway- President of LenCred.
Credit in the Classroom: What Teens Should Know About Credit Experian_US
Join our #CreditChat every Wednesday at 3p.m. ET on Twitter and Blab.
October 15th was Get Smart About Credit Day, and we supported the American Bankers Association’s campaign to help teens understand the importance of using credit wisely with a #CreditChat about Teens and Credit.
The panel included: the American Bankers Association, Laura Levine of the Jump$tart Coalition, Cary Carbonaro- Personal Finance Expert, CFP®, MBA, MD United Capital CFP Board Ambassador and author of The Money Queen’s Guide, FamZoo- a virtual family bank that helps busy parents to teach their kids good money habits with minimal hassle through hands-on practice, Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian.
This deck features tips from: @ABABankers, @MsMadamMoney, @LLevine, @Rod_Griffin, @WelshKristy, @SavingFreak, @Payoff, @SuddenlyFrugal, @CompareCards, @WealthWithMina, @SavingThousands, @care4yourfuture, @Kasasa, @WeAreMortgages,
Members of the Personal Finance Community are bringing financial literacy to the masses in unconventional ways. This week, we highlighted some of the people making a difference in the way people learn about important financial topics.
The panel included: Marsha Barnes- Founder of The Finance Bar, Jason Vitug- Founder of Phroogal, Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian.
This deck features tips from: @LeslieHTayneEsq, @Phroogal, @lenda, @shermanwealth, @care4yourfuture, @savingfreak, @CompareCards, @Kasasa, @WealthwithMina, @moneytalk1, @gina_constantino, @dahartattack, and @suddenlyfrugal.
This deck features top tweets from the recent "Credit for Renting" Wise Bread chat sponsored by Experian RentBureau. Flip through it to learn how you can build a credit history by paying your rent on time.
Visit www.experian.com/BuildCreditHistory for more information.
Join our #CreditChat on Twitter and YouTube every Wednesday at 3 p.m. ET.
This #CreditChat panel included: Douglas A. Boneparth – CFP Board Ambassador and Vice President at Life and Wealth Planning, the Debt Free Guys- John Schneider and David Auten, Rod Griffin – Director of Public Education at Experian, and Mike Delgado – Social Media Community Manager at Experian.
This deck features tips from: @BradSherman, @LeslieHTayneEsq, @Rod_Griffin, @Kasasa, @DebtFreeGuys, @dougboneparth, @SFCUNews, @CapWestMortgage, @ItPaysDividends, @CinfedCU, @vouch, @Cheapsters, @kalamarides, @CaryCarbonaro, @kevincswanson, and @comparecards.
Join our #CreditChat on Twitter and YouTube every Wednesday at 3 p.m. ET. In this #CreditChat, we discussed financial literacy and financial planning for millennials. The panel included: Douglas A. Boneparth- CFP Board Ambassador and Vice President at Life and Wealth Planning, Brad Sherman- Investment Advisory Rep, Wealth Manager – LFS Corp and President of Sherman Wealth Management, Kelby Green- Financial Services Veteran and ‘Chief Frugality Officer’ at TheFRUGALennial.com, Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian. This deck features tips from @SFCUNews, @care4yourfuture, @MoreThanWheels, @TheFRUGALennial, @CompareCards, @LeslieHTayneEsq, @shermanwealth, @RAHomes, @vouch, @Goldlabl, @NextGenPF, @CinfedCU, @Cheapsters, @DebbiKing, @Rod_Griffin, @CaryCarbonaro, @Kasasa, @dougboneparth,
We had an opportunity to talk with Kitman Labs about ways big data is leveraged for baseball. The following slides are highlights from our Twitter chat with them.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
2. 2
WHO HOW MANY ACCURACY WHEN HOW
Adults, Nationwide n=1,000 Margin of Error =
+/- 3.1%
Data Collection
Occurred
August 2-9, 2016
Online Survey
(Average of 13
minutes)
RESEARCH OBJECTIVE:
Garner mediagenic data around experiences, knowledge and perceptions related to personal finance.
Research Methodology
Note that throughout this report, total percentages may add up to 99% or 101% due to rounding.
3. 3
Key Findings
At first glance, respondents feel optimistic about their finances, but stress surrounding
income expectations, debt reduction and retirement investments prevents strong confidence
in their financial future
Nearly half (46%) have less money in their savings than they had expected; almost three-quarters of
respondents say they are behind in their retirement savings
82% of respondents hold some type of debt, and although most agree debt prevents them from
living life to the fullest, only half actually feel comfortable talking about debt
Lack of income and funds are given as the main reason for financial woes, not respondents’
fiscal behavior
Financial education is key to debt reduction and savings
Those that are comfortable with stocks and bonds invest in them; but 70% do not
currently invest and 41% will not invest in the future due to lack of funds and knowledge
73% say they need more resources to help them pay off their debt
5. 5
Although people feel better off than last year when it
comes to financial security, only 17% feel “very secure”
when it comes to their personal finances
Q2. Today, how secure do you feel about your personal finances?
Q3. Generally, do you feel more or less financially secure than you did last year?
How secure do you feel about
your personal finances?
8% 27% 47% 17%
Not at all secure Not too secure Somewhat secure Very secure
Do you feel more or less
financially secure than you did
last year?
43%
32%
26%
More
secure
No
difference
Less
secure
64% feel secure
6. 6
Moderate priority
And although the majority feel confident in their
ability to achieve financial goals, that confidence is
soft
17%
24%
20%
24%
46%
33%
33%
30%
40%
24%
15%
12%
23%
35%
18%
31%
40%
45%
38%
68%
Setting aside money to start a…
Having money to travel the world
Saving for education
Buying a home / paying my…
Having disposable income
Building my credit history
Setting aside money for retirement
Paying off my debt
Building up my emergency savings
Paying for my basic needs
Financial Goals
Q5. Below is a list of different financial goals. How much of a priority are each of these for you, personally? (Showing % Moderate/Top
Priority)
Q6. How confident are you that you can achieve your financial goals on your current income? (Showing % Somewhat/Very Confident)
Confidence in Ability to
Achieve
Financial Goals
42%
22%
Somewhat confident Very confident
• Nearly half (42%) only feel “somewhat confident” in their ability to achieve financial
goals
• Top financial priorities are paying for basic needs, building up emergency savings
and paying off debt
64%
0 Top priority
92%
78%
75%
73%
64%
64%
59%
43%
36%
32%
7. 7
5% 21% 44% 30%
Never Rarely Sometimes Frequently
How often do you feel stressed due to your finances?
Q4. How often, if ever, do you feel stressed due to your finances or financial situation?
Most adults report feeling stressed due to finances at
least “sometimes”
74% feel stressed due to
finances at least “sometimes”
8. 8
Q7. Today, are you earning more or less than you thought you would be 5 years ago?
Q8. About how often do you think about needing to increase your income?
About how often do
you think about
needing to increase
your income?
Daily 37%
Weekly 18%
Monthly 17%
Quarterly 8%
Annually 9%
Less than
annually
6%
Never 5%
55% think
about
needing to
increase
their
income
weekly or
more
Are you earning more or less
than you thought you would be
5 years ago?
30%
30%
41%
More
About the
same
Less
Nearly half of respondents (41%) are earning less than
they thought they would be 5 years ago
• Most think about needing to increase their income on a daily or weekly basis
9. 9
35%
21%
13%
13%
12%
6%
Not Enough Income
Unexpected Bills
Cost of Living
Overspending on Unnecessary
Things
Debt Payments
Other
Do you have more or less money
in savings today than you
expected you would 5 years ago?
30%
20%
46%
5%
More
About the
same
Less
Unsure
Q22. Would you say that you have more money or less money in savings today than you expected that you would 5 years ago?
Q23. Looking at the following list, what would you say is the biggest obstacle to increasing your savings?
What is the biggest obstacle to
increasing your savings?
• Nearly half (46%) have less in savings than they thought they would 5 years ago
Low income is cited as the biggest obstacle to
increasing savings
11. 11
58%
42%
Ye
s
Q12. Do you use a budget for your personal / household spending
Q13. For what reasons do you use a budget? (Asked if they use a budget; n=XX)
Do you use a budget for your
personal / household
spending?
Nearly half (42%) do not use a budget; those that do,
use one to control their spending
35%
38%
40%
45%
46%
69%
To help me stop worrying about
my finances
To track my progress toward
achieving my financial goals
To keep me on track to
achieving my long-term…
To better understand my
spending habits
To motivate me to keep saving
money
To help me control my
spending
Why do you use a budget?
12. 12
58%
42%Ye
s
Q12. Do you use a budget for your personal / household spending
Q14. What is the primary reason that you do not prepare a budget? (Asked if they don’t use a budget; n=XX)
Do you use a budget for your
personal / household
spending?
Those who do not use a budget simply believe it is
unnecessary for them
16%
16%
23%
38%
Don't know how
Not enough time
Ineffective
Unnecessary
Why don’t you use a budget?
13. 13
Sticking to a budget is the top skill respondents say they
wish they knew how to do better
5%
9%
25%
26%
28%
How to qualify for a loan
How to make a budget
How to invest in stocks/bonds
How to increase my savings
rate
How to stick to a budget
Gaps in Financial Knowledge
Q9. What is one thing you wish you knew how to do better financially?
Q10. Which of the following statements comes closest to your opinion?
39%
61%
Which do you agree with?
I have a hard time finding
financial education resources
Financial education resources
are readily available to me
• 39% say they have a hard time finding financial education resources
14. 14
About half of respondents report making an impulse
purchase at least monthly; the top motivation is finding
a great deal
5%
17%
7%
20%
28%
18%
4%
Never
Less than annually
Annually
Quarterly
Monthly
Weekly
Daily
How often do you
make an impulse
purchase?
Q15. How often do you make an “impulse purchase” – meaning how often do you make an unplanned decision to buy a product or
service just before purchasing it?
Q16. When are you most likely to make an impulse purchase? (Asked if they make impulse purchases)
When are you most likely
to make an impulse
purchase?
7%
10%
15%
20%
27%
29%
70%
If I want to impress someone
If I’m unsure of my budget
If I’m having a bad day
If someone encourages me
If I’m in a good mood
If I recently got a paycheck
If I find a great deal
16. 16
Most respondents check their account balances on a
weekly basis
Q17. Which of the following types of financial accounts do you currently hold?
Q18. How regularly do you check your account balance(s)? (Asked if they have any type of account)
How regularly do you check your
account balance(s)?
4%
18%
44%
35%
Quarterly or less
Monthly
Weekly
Daily
5%
5%
19%
4…
63%
67%
88%
None of the above
Informal savings
club
Brokerage account
Retirement savings
account
Credit card account
Savings account
Checking account
Which of the following types of
financial accounts do you
currently hold?
17. 17
7%
9%
9%
10%
15%
23%
24%
None of these
Company reputation
Mobile / paperless banking
offerings
Access to ATMs
Interest rates
Banking fees
Customer service
What has the most
impact on satisfaction?
Q19. How satisfied are you with your current bank or credit union? (Asked if they have a checking or savings account)
Q20. Which one of the following would you say has the most impact on your satisfaction or dissatisfaction with your bank or credit union?
(Asked if they have a checking or savings account)
57%
38%
6%
Very
satisfied
Somewhat
satisfied
Dissatisfied
Financial Institution Satisfaction
Bank satisfaction is high — 57% feel “very satisfied” with
their current bank or credit union
• Satisfaction is driven by customer service and banking fees
19. 19
On average, respondents spend only 13% of their income
on savings and investments
Q11. Approximately what percentage of your income goes toward…?
35%
33%
18%
13%
Other necessities Housing Other spending Savings and
Investments
Approximately what percentage of your income goes towards . . .
(Showing average)
20. 20
The most common recent major purchases include cars
and vacations
Q21. What is the last major purchase you saved for?
What is the last major purchase you saved for?
29%
23%
13%
4%
5%
26%
Car
Vacation
House
Wedding
Other
I have not saved for a major purchase
21. 21
Q26. Do you currently invest in stocks or bonds?
Q27. How comfortable do you feel with your investments? (Asked if they invest)
53%
33%
Very Comfortable
Somewhat Comfortable
Comfort with Investing
30%
29%
41%
Yes, I currently
invest in stocks
or bonds
No, but I plan to
invest in stocks
and bonds in
the future
No, and I do not
plan to invest in
them in the
future
Do you currently invest in stocks and bonds?
70% do not invest in stocks and bonds and 41% said
they do not plan on investing in the future
86%
22. 22
Those that do not currently invest their money say they
don’t have enough money to invest or don’t know
enough about the market/stocks.
Q28. Below is a list of factors that may prevent people from investing in stocks and bonds. Which of the following factors are stopping you
from investing? (Asked if they don’t invest)
Factors Preventing Investing
51%
43%
34%
21% 21%
Don’t have enough
money to invest
Don’t know enough
about the
market/stocks
Stocks are too risky Don’t trust stock
brokers/the market
Don’t want to pay
high fees
23. 23
The majority of respondents (71% total) feel negatively
about their retirement plans.
Q24. Next, thinking specifically about retirement savings…Where do you think you currently stand as far as retirement savings?
(Asked if they have not yet retired)
Q25. Approximately how much money do you have saved for retirement? [OPEN-END]
52% say they “don’t
know” how much money
they have saved for
retirement
Where do you currently stand as far as retirement savings?
34% 37% 21% 4% 4%
Too Far Behind to Catch Up Moderately behind Right on Track Ahead of Schedule Enough Saved to Retire Now
71% report being behind on
their retirement savings
25. 25
Less than one-fifth of respondents do not hold any
debt, and many of them (38%) expected to have less
than they do now
18%
19%
27%
31%
32%
49%
I do not hold any debt
Student loan
Medical
Car loan
Mortgage
Credit card
Types of Debt Held
Q29. Today, do you have more or less DEBT than you thought you would be 5 years ago?
Q30. Which of the following types of debt do you hold?
38%
34%
29%
More debt than
I thought 5
years ago
Less debt than
I thought 5
years ago
Same debt that
I thought 5
years ago
Do you have more or less debt than
you thought you would 5 years ago?
26. 26
40%
29%
31%Higher
Same
Lower
The most common type of debt— credit card debt — is
primarily caused by lack of cash flow and overspending
Q33. What do you think the primary reason is for your credit card debt? (Asked if they have credit card debt)
Q34. On average, would you say that your credit card debt is higher or lower than it was last year? (Asked if they have credit card debt)
Primary Cause
of CC Debt
Average CC Debt
Compared to Last Year
5%
6%
7%
9%
10%
27%
36%
Don’t know; I’ve never
seriously addressed it
Lack of savings
Other
I don’t see having debt as a
problem
Inability to reduce monthly
bills
Overspending
Lack of cash flow
• 40% say they have higher credit card debt than they did last year
27. 27
76%
16%
8%
How many times in the past year
have you paid credit card late fees?
Q35. Approximately how many times in the past year have you had to pay credit card late fees? (Asked if they have a credit card)
Q36. How would you rate your current credit score?
1-3 times
0 times
4 or more times
28% 27% 20% 14% 7%
Excellent Good Fair Poor Bad
How would you rate your
current credit score?
Most claim they have not paid any credit card late fees in
the past year and rate their credit score as “excellent” or
“good”
5% are unsure
28. 28
Respondents believe their bill payment history has had
the biggest impact on their credit score
26%
14%
12% 11% 10%
9%
4% 3% 3%
What has the biggest
impact on your credit
score?
Q37. What factor has the biggest impact on your credit score?
29. 29
Nearly three-quarters (70%) agree that debt prevents
them from living their life to the fullest
Q32. How much do you agree or disagree with the following statements? (Asked if they hold debt; n=XX)
I need more resources to help
me pay off my debt.
I will never fully pay off
my debt.
21%
23%
12%
13%
28%
23%
15%
17%
34%
26%
36%
33%
17%
28%
37%
37%
Strongly Disagree Somewhat Disagree Somewhat Agree Strongly Agree
I am comfortable
talking about my debt.
Debt prevents me from
living life to the fullest.
How much do you agree or disagree
with the following statements?
• 73% say they need more resources to help them pay off their debt; however, only
about half (51%) say they are comfortable talking about their debt
31. 31
53%
47%
How do you currently feel about your student
loans?
My student loans are out of
control; I am anxious about how
I will pay them off
My student loans are under
control and I am confident
that I will pay them off on
time
Q40. How do you currently feel about your student loans? (Asked if they have student loans)
Those with student loan debt are split when it comes to
their confidence about paying it off
• Nearly half (47%) say their student loans are out of control and they are anxious
about how they will pay them off
32. 32
Most believe that college is worth it, but there are
stipulations
When is college worth the
cost?
Q38. When would you say college is worth the cost?
5%
10%
11%
18%
28%
28%
34%
If you go to a very prestigious school
If you go to an in-state college
College is never worth the cost
If you choose a major associated with
high paying jobs
If you get a scholarship that pays for all or
most of tuition
If you major in a field with a lot of job
opportunities
College is always worth the cost
• While about one-third say that college is always worth the cost, 28% say that it is
only worth the cost if you major in a field with many job opportunities or if you
get a scholarship
33. 33 Q39. If you could go back in time and go to college all over again, what is the one thing you would do differently? (Asked if they went to
college)
7%
12%
15%
17%
19%
20%
21%
32%
Other
Get an internship (or get more internships)
Go to a different school
Be more involved on campus and in extra-curricular activities
Find a way to graduate with less debt
Get better grades and/or learn more in class
Build a better network of contacts
I would do nothing differently
If you could go to college all over
again, what would you do differently?
About one-fifth (19%) of those who went to college
would find a way to graduate with less debt if they
could do it over again
34. 34
Two-thirds of those with student loans regret taking
them out; they agree that student loans negatively
impact their ability to save for large purchases
16%
11%
18%
19%
29%
31%
37%
39%
Strongly Disagree Somewhat Disagree Somewhat Agree Strongly Agree
I regret taking out such
high student loans.
Q41. How much do you agree or disagree with the following statements? (Asked if they have student loans)
My student loans negatively
impact my ability to save for
large purchases.
How much do you agree or disagree
with the following statements?
36. 36
Although most married couples share joint accounts,
only 30% split handling financial matters evenly
Q42. Which of the following best describes how you and your spouse maintain your bank and credit accounts. My spouse and I maintain…
(Asked if they are married or living with a partner)
Q43. How do you and your spouse handle finances? (Asked if they are married or living with a partner)
How do you and your spouse
maintain your bank and credit
accounts?
3%
24%
24%
49%
Unsure
Completely separate
accounts
1 or more separate &
one or more joint
accounts
Joint account only
10%
15%
18%
27%
30%
My
spouse…
My
spouse…
I handle
all our…
I handle
most of…
We split it
evenly
How do you and your spouse
handle finances?
37. 37
Only half of married couples discuss financial matters
weekly or more . . .
Q44. Approximately how often do you and your spouse … (Asked if they are married or living with a
partner)
16%
36%
32%
16%
Daily Weekly Monthly Quarterly or
less
Talk about financial matters
Approximately how
often do you and your
spouse…
Only 52% of married couples talk
about financial matters weekly or
more
38. 38
6%
14%
16%
12%
7%
24%
21%
Daily Weekly Monthly Quarterly Annually Less
than
annually
Never
Approximately how
often do you and your
spouse…Disagree on financial matters
Q44. Approximately how often do you and your spouse … (Asked if they are married or living with a
partner)
. . . But disagreement on financial matters between
spouses is fairly rare
• Over half (52%) disagree on financial matters only annually or less
39. 39
Married respondents agree that managing finances is
difficult, but they are comfortable talking it out
I am completely comfortable
talking to my spouse about
money.
45%
28%
3%
25%
27%
10%
21%
29%
26%
9%
17%
61%
Strongly Disagree Somewhat Disagree Somewhat Agree Strongly Agree
Q46. How much do you agree or disagree with the following statements? (Asked if they are married or living with a partner)
It feels like my spouse and I
disagree about finances all the
time.
Before marriage, I never realized
how difficult managing
finances together would be.
How much do you agree or disagree
with the following statements?
• Nearly half (46%) admit that before marriage, they never realized how difficult
managing finances together would be; virtually all (86%) agree that they are
comfortable talking to their spouse about money
41. 41
Category Subcategory %
Gender
Female 51%
Male 49%
Age
18-24 14%
25-34 18%
35-44 17%
45-54 18%
55-64 14%
65+ 19%
Region
Northeast 18%
South 39%
West 21%
Midwest 22%
Race/Ethnicity
White 64%
African American 13%
Hispanic/Latino 15%
Asian American 5%
Other/Multi-racial 3%
Category Subcategory %
Employment Status
Employed full-time 53%
Employed part-time 20%
Self-employed full-time 7%
Self-employed part-time 6%
Retired 4%
Other 10%
Level of Education
Less than High School
Diploma 5%
High School Diploma 38%
Technical or Vocational
School 3%
Some College 18%
College Graduate (4-year
degree) 10%
Graduate or Professional
School 25%
Marital Status
Single, never married 32%
Married / Civil partnership 40%
Living together with
someone but not married 9%
Separated 2%
Divorced 12%
Widowed 4%
Demographics
Respondent Demographics
Totals may not add up to 100 due to rounding
43. 43
Only about one-quarter of respondents (28%) grew up in
a household where finances were discussed frequently
Q1. Thinking back to when you were growing up, how often were finances discussed in your household?
10% 28% 35% 28%
Never Rarely Sometimes Frequently
Growing up, how often were finances discussed in your household?
• 38% of respondents are from households where finances were “never” or “rarely”
discussed