Financial_Literacy.ppt
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The document discusses the importance of financial literacy in America. It notes that the average American family spends more than they earn, many Americans are spending a large portion of their income on debt payments, and bankruptcy filings are at record highs. Additionally, most households will fail to achieve their life goals due to financial illiteracy, which is also passed to future generations. The document then defines financial literacy as having the ability to effectively manage one's finances to reach life goals, and identifies five key areas of personal finance: money and income, money management, spending and debt, savings and investments, and risk management. It provides examples for each area and emphasizes that financial literacy involves lifelong learning and planning for various life milestones and events
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America faces a financial literacy crisis, as evidenced by rising unsecured debt levels and credit card misuse. Two-thirds of households will likely fail to achieve their life goals due to financial illiteracy. Financial literacy involves understanding key areas like money management, spending, savings, and risk to achieve long-term goals like homebuying, retirement, and unexpected life events. Lifelong learning is needed to maintain financial literacy.
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America faces a financial literacy crisis, as evidenced by rising unsecured debt levels and credit card misuse. Two-thirds of households will likely fail to achieve their life goals due to financial illiteracy. Financial literacy involves understanding key areas like money management, spending, savings, and risk to achieve long-term goals like homebuying, retirement, and unexpected life events. Lifelong learning is needed to maintain financial literacy.
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在线制作加拿大萨省大学毕业证文凭证书实拍图原版一模一样
原版一模一样【微信：741003700 】【加拿大萨省大学毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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一比一原版布拉德福德大学毕业证（bradford毕业证）如何办理
一模一样【微信：A575476】【布拉德福德大学毕业证（bradford毕业证）成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
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三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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Financial_Literacy.ppt
- 1. Financial Literacy: Knowing What You Need To Know To Achieve Your Financial Goals
- 2. America’s financial literacy American families: - The average American family spends $1.22 for every dollar it earns. - One in five American families with annual household income of less than $50,000 is spending 40% of after-tax income to service its debt. - In 2003, the average American household owed $8,000 in credit cards, compared to $2,600 in 1989. - In 2003, 1.6 million Americans filed for bankruptcy – the highest amount in history.
- 3. America’s financial literacy • 2 out of 3 households will probably fail to realize life goals • Financial illiteracy is passed to the next generation - Average high school senior failed 2004 financial knowledge survey
- 4. What is Financial Literacy?
- 5. Financial literacy • The ability to effectively evaluate and manage one’s finances in order to make prudent decisions toward reaching life’s goals • The understanding of: - Money - Cash flow - Basic economic/financial concepts - Debt/risk management
- 6. Achieving financial literacy • Five Key Areas of Personal Finance: - Money and income - Money management - Spending and debt - Savings and investments - Risk management
- 7. Money and income • Time is money • How many hours do you need to work to pay for your mortgage, car insurance, electricity bills, extras, etc?
- 8. Money management • Budgeting • Prioritizing
- 9. Spending and debt • Benefits and costs of spending alternatives • Credit as a basic financial tool
- 10. Savings and investing • Saving means not spending money. • Investing means that you earn a return on the money you put into it.
- 11. Risk management • Insurance • Understanding the markets - 50% of Americans own stocks • Identity theft
- 12. Financial literacy isn’t just a matter of knowing what you have and knowing your options. It is a matter of planning for life’s milestones.
- 13. Creating your first overall long-term financial plan
- 14. Buying your first home • Establish good credit • Understand “real costs” • Assess risks
- 15. Getting married • Understand “financial partnership” • Establish separate and joint credit and bank accounts • Create wills and trusts • Identify beneficiaries • Choose owners on title assets
- 16. Financing a family • Budget - Education, health care, child care • Manage risk, insurance • Create wills • Instill financial literacy
- 17. Starting a business • Understand - cash flow - expense timing • Manage income and expenses
- 18. Planning for Retirement • Determine how much money you will need. • Determine where your retirement income will come from. • Devise a budget and investment strategy to help you meet your goals.
- 19. Preparing a will • Designate beneficiaries • Determine asset distribution • Identify insurance
- 20. Unexpected milestones • Loss • Sandwich generation • Divorce
- 21. Financial literacy education • Lifelong learning courses • Financial media • Internet resources • Your CPA
- 22. For more information www.360financialliteracy.org features financial education to help consumers at every life stage.
- 23. Financial Literacy: Knowing What You Need To Know To Achieve Your Financial Goals