The document is a survey conducted by Harrah's Entertainment in 2006 on American casino gamblers. Some key findings:
- Casino gamblers were more financially responsible than non-gamblers - they had increased savings over the past year, felt more in control of spending, and were more likely to be putting money away for the future.
- Gamblers also saw themselves as more experienced investors and financial planners compared to non-gamblers. They had more confidence in financial decisions and were often asked for advice by friends and family.
- When planning for retirement, gamblers had higher expectations about having enough money and were more likely to be regularly putting money aside, compared to non
Fitness Facilities Survey Results For First Half Of 2011Bryan K. O'Rourke
Michael Scott Scudder's Survey Of 495 US and 14 Canadian Fitness Facilities' Results Through The First Half Of 2011. Provides An Overview Of The Shape of The Fitness Facility Industry - Both For Profit and Not For Profit.
Understanding Gen Z: How will they shape the world of credit and consumerism?Experian
Gen Z already makes up ¼ of the U.S. population – and the oldest members are already establishing credit. So what is their purchasing power? How are they engaging with digital? What insights are we already learning about them in regards to credit? Get a quick synopsis of newest generation by accessing our latest slideshare.
FIS 2011 Consumer Loyalty and Profitability ReportPaul McAdam
Measuring customer loyalty to financial institutions (FIs) differs from measuring customer loyalty to most other institutions, products or services. Banks sometimes keep customers because of the perceived hassle factor associated with switching to a new FI. Slightly more than two-thirds (68 percent) of FI customers agree that “switching my primary checking account to a different financial institution is more hassle than it’s worth.” But our research with 3,000 consumers shows that customers who merely stick with their FIs due to inertia aren’t loyal and don’t keep a large share of their deposits and/or loans with their primary checking account provider. A long-term customer doesn’t necessarily equal a loyal customer. And, a loyal customer is not necessarily a profitable one.
Fundraising Today and Tomorrow and the Next Generation of Canadian Givinghjc
Canadian Fundraising Today and Tomorrow
Michael Johnston, Founder and President, hjc, gives a profile of four generations of Canadian donors: how do they give, where do they give, and how can you build the most effective relationship with them.
Toronto Seminar, October 22 2013
"Eyes Wide Open, Wallet Half Shut" ANA PresentationOgilvy
Today’s consumers are emerging from the recession with a radically new definition of the American Dream and a renewed sense in their own resourcefulness and priorities, according to a just-released quantitative study of 1,200 consumers and qualitative research with nearly 700, conducted by Ogilvy & Mather Chicago in partnership with leading consumer insight company Communispace.
Importé des Etats-Unis, le modèle de collecte de fonds via "Capital Campaign" gagne du terrain en France. Comment se construit cette approche spécifique des
grands donateurs ? Qu'est ce qui en fait les forces et les faiblesses ? Quels sont les argumentaire à mettre en oeuvre et selon quelle logique ? Sarah Huisman et
Bob Carter vous font partager leur expérience de capital campaigns menées dernièrement et proposeront des axes de développement de cette démarche de collecte de fonds pour les années à venir.
Despite their rising workforce participation and escalating incomes, it appears that American women still have major gaps and unmet needs when it comes to achieving comfort and confidence with money
The document summarizes key findings from a 2017 survey of Millennials (ages 20-36) about their finances, happiness, and priorities. It found that most Millennials consider themselves happy and associate love rather than money with happiness, but they also want help managing financial anxiety. The survey also revealed that Millennials are motivated to invest in companies that make the world better and are redefining work-life balance and career satisfaction.
Fitness Facilities Survey Results For First Half Of 2011Bryan K. O'Rourke
Michael Scott Scudder's Survey Of 495 US and 14 Canadian Fitness Facilities' Results Through The First Half Of 2011. Provides An Overview Of The Shape of The Fitness Facility Industry - Both For Profit and Not For Profit.
Understanding Gen Z: How will they shape the world of credit and consumerism?Experian
Gen Z already makes up ¼ of the U.S. population – and the oldest members are already establishing credit. So what is their purchasing power? How are they engaging with digital? What insights are we already learning about them in regards to credit? Get a quick synopsis of newest generation by accessing our latest slideshare.
FIS 2011 Consumer Loyalty and Profitability ReportPaul McAdam
Measuring customer loyalty to financial institutions (FIs) differs from measuring customer loyalty to most other institutions, products or services. Banks sometimes keep customers because of the perceived hassle factor associated with switching to a new FI. Slightly more than two-thirds (68 percent) of FI customers agree that “switching my primary checking account to a different financial institution is more hassle than it’s worth.” But our research with 3,000 consumers shows that customers who merely stick with their FIs due to inertia aren’t loyal and don’t keep a large share of their deposits and/or loans with their primary checking account provider. A long-term customer doesn’t necessarily equal a loyal customer. And, a loyal customer is not necessarily a profitable one.
Fundraising Today and Tomorrow and the Next Generation of Canadian Givinghjc
Canadian Fundraising Today and Tomorrow
Michael Johnston, Founder and President, hjc, gives a profile of four generations of Canadian donors: how do they give, where do they give, and how can you build the most effective relationship with them.
Toronto Seminar, October 22 2013
"Eyes Wide Open, Wallet Half Shut" ANA PresentationOgilvy
Today’s consumers are emerging from the recession with a radically new definition of the American Dream and a renewed sense in their own resourcefulness and priorities, according to a just-released quantitative study of 1,200 consumers and qualitative research with nearly 700, conducted by Ogilvy & Mather Chicago in partnership with leading consumer insight company Communispace.
Importé des Etats-Unis, le modèle de collecte de fonds via "Capital Campaign" gagne du terrain en France. Comment se construit cette approche spécifique des
grands donateurs ? Qu'est ce qui en fait les forces et les faiblesses ? Quels sont les argumentaire à mettre en oeuvre et selon quelle logique ? Sarah Huisman et
Bob Carter vous font partager leur expérience de capital campaigns menées dernièrement et proposeront des axes de développement de cette démarche de collecte de fonds pour les années à venir.
Despite their rising workforce participation and escalating incomes, it appears that American women still have major gaps and unmet needs when it comes to achieving comfort and confidence with money
The document summarizes key findings from a 2017 survey of Millennials (ages 20-36) about their finances, happiness, and priorities. It found that most Millennials consider themselves happy and associate love rather than money with happiness, but they also want help managing financial anxiety. The survey also revealed that Millennials are motivated to invest in companies that make the world better and are redefining work-life balance and career satisfaction.
This document discusses several topics related to marketing to golfers:
1) The growing women's market in golf and the youth movement with nearly 400% growth in girls ages 5-17 playing golf in the past two years.
2) Golf travelers being more affluent than non-golf travelers, with golf travelers having a median household income of $83,471 compared to $51,700 for non-golf travelers.
3) The power of golfers as travelers, with golfers being more likely than non-golfers to take 5+ domestic trips per year and golf travelers spending $87.4 billion on travel last year, nearly twice as much per person as non-
The great american vacation study how travelers seek shop and saveparago
Of Americans who take leisure travel, over 90% are vacationing at least once a year. In this study, we explored how these consumers research, plan and schedule their vacations, including how they decide where to go, who goes with them — and, ultimately, how they choose which airlines, hotels, resorts and cruises to book.
Our key finding? Planning is personal. The majority of people book their own trips. And most of them (57%) start on search engines. Travel booking sites are a distant second (13%) and only 2% of today’s vacation-takers use travel agents.
Get "The Great American Vacation Study: How Travelers Seek, Shop and Save" report now to take a deep dive into how to disrupt their consumers' paths to purchase and, ultimately, get travelers to book more with you.
1) The poll surveyed 138 individuals with disabilities about the financial resources they rely on while awaiting SSDI benefits. Most rely on support from friends/family (42%) and a spouse's income (33%), along with personal savings (20%) and credit cards (17%).
2) A majority (60%) of respondents who had a home equity line of credit experienced having it reduced or canceled, showing the risks of relying on such loans for basic needs.
3) In seeking other assistance, the most common programs considered were food stamps (52%) and prescription drug programs (44%), but respondents typically reported limited success with assistance programs overall.
The LIBRE Institute- Habits of Financially Successful Individuals Josselin Castillo
This document discusses financial planning considerations for Hispanics. It notes that the Hispanic population in the US is growing rapidly and will continue to grow significantly in coming decades. Hispanics have some different financial priorities than the general population, such as saving for children's education and caring for family members. Hispanics also have lower levels of financial product ownership and retirement savings. The document provides tips for choosing a financial planner and healthy financial habits.
The last thing that Matt Lauer and Annette Roque probably expected when they walked down the aisle was that their marriage would go up in flames. Unfortunately, it appears that the recent sexual misconduct allegations that cost Lauer his job may have cost him his marriage, too. Reportedly, neither Roque nor Lauer has been sporting a wedding ring in the Hamptons, where Lauer owns a $36.5 million estate in addition to a $17.9 million mansion in Sag Harbor.
According to research of giving patterns since 1966 compiled by the Giving USA Foundation, only bequests averaged an increase during recessionary periods. All
other types of giving either remained static or reported declines.
But is your planned giving program getting its fair share of the marketing budget?
We scoured the internet to find the following awesome information. And, although we can’t take credit for the research, we can take credit for the pretty charts!
So feel free to share this report with colleagues and friends (including your board). And when you’re ready to engage in serious marketing to find hidden gifts, generate
leads and cultivate relationships, we hope you’ll reach out to us: http://imarketsmart.com/contact-us
After all, our mission is to help further your mission.
ENJOY THE REPORT!
Money is not a woman’s business. Just look at our banknotes.
And women feel more comfortable talking to a doctor than a financial advisor.
So men still earn and control the majority of the wealth
the investment field ends up being largely male dominated.
Women only run a mere 2% of hedge funds.
86% of investment advisors are men.
Yet, funds run by women have better results…
But unconscious biases still keep them out of this male sphere. And women entrepreneurs struggle to get funded.
And rich women tend to be philanthropists rather than investors.
So which initiatives are shifting the balance of the investment world?
Women are taking on more responsibility for household finances, with 28% solely managing the budget. Both genders are looking to save more and pay down debt in the coming year due to rising costs of living outpacing income growth. Banks can help by rewarding loyal customers, tailoring services, and lowering fees. When researching financial products, both genders prefer to speak with their bank in person.
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Onlypjparke
This document provides information about credit reports and credit scores. It discusses how inaccurate credit reports can be, listing studies that found 20-79% of reports contain errors. These inaccuracies can significantly impact a person's credit score and interest rates. The document also outlines factors that affect credit scores, such as payment history, credit utilization, length of credit history, and types of credit used. It provides tips for maintaining good credit and improving credit scores.
The document summarizes key findings from a survey of 500 millennials conducted by Buzz Marketing Group in March 2013 regarding employment, finances, and spending habits. Some key findings include: 1) While jobs may be hard to find, 41% of millennials would keep looking for their desired job rather than take any job if unemployed; 2) Most millennials track their spending but many use credit cards and few invest; 3) The majority of millennials support themselves financially, feel secure, and are already saving for retirement.
The document summarizes findings from several surveys and studies related to financial literacy in the United States:
1) A 2017 America Saves survey found that only 38% of households report good savings progress, while 27% report no progress. Lower-income households report much less savings progress than higher-income households.
2) A 2016 NEFE survey found that 78% of Americans experience financial stress from issues like saving money and debt management. Nearly half live paycheck to paycheck.
3) A 2016 Wells Fargo study found that 64% of working Millennials believe they will never save $1 million for retirement, and 59% have started saving while 41% have not due to insufficient earnings.
You might be quick to lump Millennials and Gen Z together. After all, both groups are young, tech-savvy and changing the way we shop, consume and save. But like all the generations before them, they are unique. Generation Z (also known as Centennials) is now 28% of the U.S. population, with 5% over the age of 18. Millennials, now the largest generation in the workforce, makes up about 19% of the U.S. population and are deep into making big money decisions as they launch families and careers. This presentation highlights how both groups are behaving in the credit space, illuminates if they embracing certain credit products and touches on how their credit scores are trending.
And most importantly, what do these discoveries and insights mean for lenders?
This document summarizes the methodology and key findings of a survey about millennial and retiree savings and spending. It provides details on:
1) The methodology which included surveys of 3,026 working adults contributing to 401(k) plans, 1,027 recently retired adults, and planned surveys of 250 millennial non-401(k) participants. Respondents were weighted to be nationally representative.
2) Some preliminary findings showing that millennials were more likely than other generations to feel overqualified for their current job.
3) An agenda outlining topics to be covered such as the economic climate, profiles of workers and retirees, and descriptive information.
4) Charts and graphs showing
Predictive analysis can help you find right partner! Learn how?Edureka!
The document is a slide presentation about predictive analytics and its applications in finding romantic partners. It discusses what predictive analytics is, why it is used, and domains where it is applied, including dating. Examples are given of dating companies that use predictive analytics to match users. Factors like profile photos, word choices, and social connections are analyzed to make matches. Case studies of Match.com and Facebook show how they apply predictive models to dating profiles and social media activity to predict relationships.
- 42% of Romanians are "Feeling the Brunt" of the recession, almost double the number in an international survey, with 86% considering the economic situation to have worsened in the last 6 months. They are pessimistic about the future.
- Television remains the primary source of information, but 70% of Romanians check news of the recession daily online as the internet allows for multiple sources. Newspapers are still key information sources but via their online editions.
- Consumers have reassessed their needs versus wants and changed shopping habits, with 59% shopping in lower-price stores and 66% seeking promotions. This has impacted purchasing across many categories as consumers prioritize necessities over brands.
This document provides an overview of developing a fundraising plan for a nonprofit organization. It discusses key tenets of fundraising like building relationships with donors and focusing on the organization's mission. It also covers developing a constituency, identifying donor demographics, cultivating major gifts, and creating an annual fundraising plan with goals and strategies for different programs. The document emphasizes the importance of asking donors for support and evaluating different fundraising methods based on costs, benefits, and goals.
Gsri having itall_financialliteracy_full_finalLisa Jones
This summary provides an overview of a report from the Girl Scout Research Institute on girls and financial literacy:
- The report surveyed over 1,000 girls ages 8-17 and their parents to better understand girls' financial literacy, confidence, attitudes, and experiences with money. It found that most girls expect to be financially independent and empowered in the future, but still have gaps in their financial knowledge.
- Girls are optimistic about achieving educational and career goals but lack confidence in financial decision-making. They know basic money management like saving but less about credit, debt, and long-term investing.
- Parents, especially financially confident parents, are the primary influence on girls' financial literacy. They can help fill
This document is BB&T Corporation's 2005 annual report. It provides financial highlights for 2005, noting that net income increased 6.1% to $1.654 billion and diluted earnings per share grew 7.1% to $3.00. Operating earnings rose 7.2% to $1.674 billion. Cash basis operating earnings, which exclude intangible assets and purchase accounting adjustments, increased 7.1% to $1.763 billion. The report discusses BB&T's strong loan, deposit and balance sheet growth in 2005 and notes the bank hired additional revenue producers and implemented strategies to boost organic account growth.
BB&T reported 2008 net income of $1.5 billion and earnings per common share of $2.71. For the fourth quarter of 2008, net income totaled $305 million and net income available to common shareholders totaled $284 million, or $.51 per diluted common share. For the full year 2008, BB&T's net income available to common shareholders was $1.50 billion compared to $1.73 billion earned in 2007, a decrease of 13.6%.
More Related Content
Similar to harrah's entertainment Profile_Survey_2006
This document discusses several topics related to marketing to golfers:
1) The growing women's market in golf and the youth movement with nearly 400% growth in girls ages 5-17 playing golf in the past two years.
2) Golf travelers being more affluent than non-golf travelers, with golf travelers having a median household income of $83,471 compared to $51,700 for non-golf travelers.
3) The power of golfers as travelers, with golfers being more likely than non-golfers to take 5+ domestic trips per year and golf travelers spending $87.4 billion on travel last year, nearly twice as much per person as non-
The great american vacation study how travelers seek shop and saveparago
Of Americans who take leisure travel, over 90% are vacationing at least once a year. In this study, we explored how these consumers research, plan and schedule their vacations, including how they decide where to go, who goes with them — and, ultimately, how they choose which airlines, hotels, resorts and cruises to book.
Our key finding? Planning is personal. The majority of people book their own trips. And most of them (57%) start on search engines. Travel booking sites are a distant second (13%) and only 2% of today’s vacation-takers use travel agents.
Get "The Great American Vacation Study: How Travelers Seek, Shop and Save" report now to take a deep dive into how to disrupt their consumers' paths to purchase and, ultimately, get travelers to book more with you.
1) The poll surveyed 138 individuals with disabilities about the financial resources they rely on while awaiting SSDI benefits. Most rely on support from friends/family (42%) and a spouse's income (33%), along with personal savings (20%) and credit cards (17%).
2) A majority (60%) of respondents who had a home equity line of credit experienced having it reduced or canceled, showing the risks of relying on such loans for basic needs.
3) In seeking other assistance, the most common programs considered were food stamps (52%) and prescription drug programs (44%), but respondents typically reported limited success with assistance programs overall.
The LIBRE Institute- Habits of Financially Successful Individuals Josselin Castillo
This document discusses financial planning considerations for Hispanics. It notes that the Hispanic population in the US is growing rapidly and will continue to grow significantly in coming decades. Hispanics have some different financial priorities than the general population, such as saving for children's education and caring for family members. Hispanics also have lower levels of financial product ownership and retirement savings. The document provides tips for choosing a financial planner and healthy financial habits.
The last thing that Matt Lauer and Annette Roque probably expected when they walked down the aisle was that their marriage would go up in flames. Unfortunately, it appears that the recent sexual misconduct allegations that cost Lauer his job may have cost him his marriage, too. Reportedly, neither Roque nor Lauer has been sporting a wedding ring in the Hamptons, where Lauer owns a $36.5 million estate in addition to a $17.9 million mansion in Sag Harbor.
According to research of giving patterns since 1966 compiled by the Giving USA Foundation, only bequests averaged an increase during recessionary periods. All
other types of giving either remained static or reported declines.
But is your planned giving program getting its fair share of the marketing budget?
We scoured the internet to find the following awesome information. And, although we can’t take credit for the research, we can take credit for the pretty charts!
So feel free to share this report with colleagues and friends (including your board). And when you’re ready to engage in serious marketing to find hidden gifts, generate
leads and cultivate relationships, we hope you’ll reach out to us: http://imarketsmart.com/contact-us
After all, our mission is to help further your mission.
ENJOY THE REPORT!
Money is not a woman’s business. Just look at our banknotes.
And women feel more comfortable talking to a doctor than a financial advisor.
So men still earn and control the majority of the wealth
the investment field ends up being largely male dominated.
Women only run a mere 2% of hedge funds.
86% of investment advisors are men.
Yet, funds run by women have better results…
But unconscious biases still keep them out of this male sphere. And women entrepreneurs struggle to get funded.
And rich women tend to be philanthropists rather than investors.
So which initiatives are shifting the balance of the investment world?
Women are taking on more responsibility for household finances, with 28% solely managing the budget. Both genders are looking to save more and pay down debt in the coming year due to rising costs of living outpacing income growth. Banks can help by rewarding loyal customers, tailoring services, and lowering fees. When researching financial products, both genders prefer to speak with their bank in person.
Educating The Consumer Public Forum Shared Pp 112608 Slide Show View Onlypjparke
This document provides information about credit reports and credit scores. It discusses how inaccurate credit reports can be, listing studies that found 20-79% of reports contain errors. These inaccuracies can significantly impact a person's credit score and interest rates. The document also outlines factors that affect credit scores, such as payment history, credit utilization, length of credit history, and types of credit used. It provides tips for maintaining good credit and improving credit scores.
The document summarizes key findings from a survey of 500 millennials conducted by Buzz Marketing Group in March 2013 regarding employment, finances, and spending habits. Some key findings include: 1) While jobs may be hard to find, 41% of millennials would keep looking for their desired job rather than take any job if unemployed; 2) Most millennials track their spending but many use credit cards and few invest; 3) The majority of millennials support themselves financially, feel secure, and are already saving for retirement.
The document summarizes findings from several surveys and studies related to financial literacy in the United States:
1) A 2017 America Saves survey found that only 38% of households report good savings progress, while 27% report no progress. Lower-income households report much less savings progress than higher-income households.
2) A 2016 NEFE survey found that 78% of Americans experience financial stress from issues like saving money and debt management. Nearly half live paycheck to paycheck.
3) A 2016 Wells Fargo study found that 64% of working Millennials believe they will never save $1 million for retirement, and 59% have started saving while 41% have not due to insufficient earnings.
You might be quick to lump Millennials and Gen Z together. After all, both groups are young, tech-savvy and changing the way we shop, consume and save. But like all the generations before them, they are unique. Generation Z (also known as Centennials) is now 28% of the U.S. population, with 5% over the age of 18. Millennials, now the largest generation in the workforce, makes up about 19% of the U.S. population and are deep into making big money decisions as they launch families and careers. This presentation highlights how both groups are behaving in the credit space, illuminates if they embracing certain credit products and touches on how their credit scores are trending.
And most importantly, what do these discoveries and insights mean for lenders?
This document summarizes the methodology and key findings of a survey about millennial and retiree savings and spending. It provides details on:
1) The methodology which included surveys of 3,026 working adults contributing to 401(k) plans, 1,027 recently retired adults, and planned surveys of 250 millennial non-401(k) participants. Respondents were weighted to be nationally representative.
2) Some preliminary findings showing that millennials were more likely than other generations to feel overqualified for their current job.
3) An agenda outlining topics to be covered such as the economic climate, profiles of workers and retirees, and descriptive information.
4) Charts and graphs showing
Predictive analysis can help you find right partner! Learn how?Edureka!
The document is a slide presentation about predictive analytics and its applications in finding romantic partners. It discusses what predictive analytics is, why it is used, and domains where it is applied, including dating. Examples are given of dating companies that use predictive analytics to match users. Factors like profile photos, word choices, and social connections are analyzed to make matches. Case studies of Match.com and Facebook show how they apply predictive models to dating profiles and social media activity to predict relationships.
- 42% of Romanians are "Feeling the Brunt" of the recession, almost double the number in an international survey, with 86% considering the economic situation to have worsened in the last 6 months. They are pessimistic about the future.
- Television remains the primary source of information, but 70% of Romanians check news of the recession daily online as the internet allows for multiple sources. Newspapers are still key information sources but via their online editions.
- Consumers have reassessed their needs versus wants and changed shopping habits, with 59% shopping in lower-price stores and 66% seeking promotions. This has impacted purchasing across many categories as consumers prioritize necessities over brands.
This document provides an overview of developing a fundraising plan for a nonprofit organization. It discusses key tenets of fundraising like building relationships with donors and focusing on the organization's mission. It also covers developing a constituency, identifying donor demographics, cultivating major gifts, and creating an annual fundraising plan with goals and strategies for different programs. The document emphasizes the importance of asking donors for support and evaluating different fundraising methods based on costs, benefits, and goals.
Gsri having itall_financialliteracy_full_finalLisa Jones
This summary provides an overview of a report from the Girl Scout Research Institute on girls and financial literacy:
- The report surveyed over 1,000 girls ages 8-17 and their parents to better understand girls' financial literacy, confidence, attitudes, and experiences with money. It found that most girls expect to be financially independent and empowered in the future, but still have gaps in their financial knowledge.
- Girls are optimistic about achieving educational and career goals but lack confidence in financial decision-making. They know basic money management like saving but less about credit, debt, and long-term investing.
- Parents, especially financially confident parents, are the primary influence on girls' financial literacy. They can help fill
Similar to harrah's entertainment Profile_Survey_2006 (20)
This document is BB&T Corporation's 2005 annual report. It provides financial highlights for 2005, noting that net income increased 6.1% to $1.654 billion and diluted earnings per share grew 7.1% to $3.00. Operating earnings rose 7.2% to $1.674 billion. Cash basis operating earnings, which exclude intangible assets and purchase accounting adjustments, increased 7.1% to $1.763 billion. The report discusses BB&T's strong loan, deposit and balance sheet growth in 2005 and notes the bank hired additional revenue producers and implemented strategies to boost organic account growth.
BB&T reported 2008 net income of $1.5 billion and earnings per common share of $2.71. For the fourth quarter of 2008, net income totaled $305 million and net income available to common shareholders totaled $284 million, or $.51 per diluted common share. For the full year 2008, BB&T's net income available to common shareholders was $1.50 billion compared to $1.73 billion earned in 2007, a decrease of 13.6%.
- BB&T Corporation reported lower operating earnings for the fourth quarter of 2008 compared to the same period in 2007. Operating earnings available to common shareholders decreased 41.4% to $243 million.
- Net interest income increased 14.2% to $1,132 million due to higher interest income, but this was more than offset by a large increase in the provision for credit losses of $344 million.
- Returns and profitability ratios declined from the prior year, with the return on average common equity decreasing to 7.26% and the efficiency ratio worsening to 51.9%.
This document is a proxy statement from Carolina Power & Light Company (CP&L) informing shareholders about the upcoming annual shareholder meeting on May 14, 2008. The meeting will address the election of two Class I directors and the ratification of Deloitte & Touche LLP as the company's independent registered public accounting firm. Shareholders are encouraged to vote by proxy card or telephone in order to have their votes counted if they do not attend the meeting in person.
This document is a proxy statement from Progress Energy, Inc. inviting shareholders to attend the company's 2008 Annual Meeting of Shareholders on May 14, 2008. The matters to be voted on include the election of directors, ratification of the selection of the independent registered public accounting firm, and a shareholder proposal regarding executive compensation. Shareholders are urged to vote by proxy card, telephone, or online in order to have their votes counted if they do not attend the meeting in person.
The document summarizes Bill Johnson's presentation at the Morgan Stanley Global Electricity & Energy Conference on April 3, 2008. The presentation outlines Progress Energy's strategy to secure its energy future through operational excellence, growth prospects like rate base expansion, and maintaining constructive regulation. It highlights Progress Energy's two regulated utilities with strong growth prospects and discusses key strategic issues like US climate change policy and needed new baseload capacity like the proposed Levy County nuclear project.
Bill Johnson, Chairman, CEO, and President of Progress Energy, presented at the company's annual shareholder meeting. He discussed Progress Energy's history of over 100 years in business, highlights from 2007 including financial and operational achievements as well as sustainability recognition, strategic focus on its two electric utility subsidiaries serving North Carolina and Florida. Johnson also outlined Progress Energy's balanced strategy to address issues like climate change, demand growth, and costs while maintaining reliability and affordability. He discussed governance practices and executive compensation policies.
Progress Energy reported first quarter 2008 results. Earnings were lower than expected due to milder than normal weather and lower customer growth and usage, particularly in Florida. The company reaffirmed its 2008 earnings guidance. Several regulatory filings and projects remained on track. Key nuclear, natural gas, and transmission projects were progressing to increase capacity and meet renewable energy goals. While economic conditions had softened retail demand, cost management and additional wholesale contracts were expected to offset impacts.
The document summarizes Progress Energy's Q2 2008 earnings call. It discusses the company reaffirming its 2008 ongoing earnings guidance of $3.05 per share despite challenges in Florida. It also provides updates on recent court rulings impacting emissions regulations, the Levy County nuclear project, and major capital expenditure projects. Progress Energy's CFO discusses the company's quarterly and year-to-date financial performance and steps taken to offset weakness in Florida retail markets through increased wholesale contracts.
Bill Johnson, CEO of Progress Energy, outlined the company's strategy to secure its energy future at a Lehman Brothers energy conference. Progress Energy operates as two high-performing electric utilities serving North Carolina and Florida. The company is focused on achieving annual EPS growth of 4-5% through rate base expansion and pursuing a balanced solution to meet energy needs and address climate change, while maintaining excellent operational and financial performance. A key part of this strategy is the proposed Levy Nuclear Project, a two-unit nuclear plant in Florida that would help reduce costs and carbon emissions.
This document summarizes a presentation given by Mark Mulhern, Senior Vice President and CFO of Progress Energy, at a Power & Gas Leaders Conference on September 24, 2008. The presentation discusses Progress Energy's strategy of securing its energy future through significant rate base growth, nuclear expansion projects, and maintaining a supportive regulatory environment. It provides an overview of Progress Energy's utilities in North Carolina and Florida, outlines major capital investment projects, and reviews the company's financial position and objectives to achieve steady earnings growth.
The document summarizes Progress Energy's Q3 2008 earnings call. It discusses ongoing earnings of $306M for Q3 2008, regulatory updates in the Carolinas and Florida, energy efficiency and alternative energy programs, and $7-8B in capital expenditures through 2013 for major generation projects. Cost controls have kept year-to-date O&M expenses flat compared to 2007 despite 2.5% reported growth. Customer growth has been positive but milder weather reduced retail usage. Guidance of $2.95-3.05 for 2008 ongoing earnings is maintained based on a trailing 12-month EPS of $2.91. Liquidity remains strong with $1.9B in available credit facilities and cash.
Progress Energy held a financial conference in Phoenix, Arizona on November 10-11, 2008. The conference focused on providing an overview of the company including its growth strategy and regulatory updates. Progress Energy is the largest regulated electric utility in the US with significant projected rate base growth through 2010 driven by investments in its regulated operations in North Carolina and Florida. Regulatory proceedings in both states approved various cost recovery filings which will support continued investment and earnings growth.
This document is a presentation by Bill Johnson, Chairman and CEO of Progress Energy, given at the EEI Financial Conference in Phoenix, AZ on November 11, 2008. The presentation provides an overview of Progress Energy, including its strategic focus on achieving long-term annual EPS growth of 4-5%, pursuing a balanced solution to secure the energy future, and sustaining financial strength during nuclear construction. It also discusses Progress Energy's regulated utilities, major capital projects, regulatory updates, and long-term financial objectives.
The document is a transcript from Progress Energy's 4Q 2008 earnings call. It discusses Progress Energy's financial results for 4Q and full year 2008, highlights achievements that position the company well for 2009, and reviews major capital projects and regulatory initiatives. Progress Energy affirmed its 2009 ongoing earnings guidance of $2.95 to $3.15 per share. The call also provided updates on Florida rate filings and the Levy Nuclear Project.
- Progress Energy reported financial results for the second quarter and first half of 2001. Total operating revenues increased $1.4 billion for the first half compared to the same period in 2000 due to the acquisition of Florida Power Corporation.
- Net income increased $73 million to $266 million for the first half, with earnings per share rising from $1.26 to $1.33. Earnings were positively impacted by the addition of Florida Power Corporation but faced higher interest charges and goodwill amortization from the acquisition.
- Operating revenues and energy sales increased across electric, natural gas, and diversified business segments. However, net income faced pressures from weather-related declines in electricity usage, higher operation and maintenance
This document provides unaudited consolidated interim financial information for Progress Energy, Inc. for the third quarter and first nine months of 2001 compared to the same periods in 2000. Some key highlights include:
- Revenues increased significantly from acquisitions completed in late 2000, including the addition of Florida Power Corporation.
- Operating income increased driven by customer growth, favorable weather, and acquisitions, partially offset by higher fuel and purchased power costs.
- Net income increased due to the addition of Florida Power Corporation and other acquisitions, partially offset by higher interest charges and goodwill amortization.
- Earnings per share increased to $1.77 and $3.12 for the quarter
Progress Energy reported earnings of $2.65 per share for 2001, meeting expectations. Earnings were positively impacted by its non-regulated businesses which offset the effects of mild weather and an industrial slowdown. It also received tax rulings for four synthetic fuel plants and reaffirmed its 2002 guidance of $3.90 to $4.10 per share.
progress energy 1Q 02 earnings releaseFinal_allfinance25
Progress Energy reported first quarter earnings per share of $0.62, and $0.77 excluding one-time items. A rate settlement in Florida contributed $0.10 per share in retroactive revenue. Progress Energy reaffirmed its 2002 EPS guidance of $3.90 to $4.10. Several factors including mild weather, economic conditions, and debt issuance impacted the year-over-year EPS difference of $0.11.
progress energy 2Q 02earnings release Finalfinance25
Progress Energy reported second quarter 2002 earnings per share of $0.56, or $0.83 excluding non-operating items. This was in line with guidance. Key highlights included reaching long-term rate agreements in Florida and North Carolina that stabilize rates through 2005 and 2007 respectively. For 2002, the company expects ongoing earnings between $3.90-$4.00 per share, within previous guidance despite industrial slowdowns impacting some regions.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
when will pi network coin be available on crypto exchange.DOT TECH
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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$.
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STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
5 Tips for Creating Standard Financial ReportsEasyReports
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2. Foreword
Casino gambling is a popular and exciting leisure time activity for adults, and last year more than 52 million Americans
enjoyed a visit to a casino. According to a 10-year U.S. trend survey conducted by Scripps Survey Research Center at Ohio
University earlier this year, 58 percent of adults have gambled in a casino at least once. Most striking of all is the finding that,
for the first time, a majority of U.S. adults now favor licensed casinos in their own states.
Today, the enthusiasm for casinos stems from much more than the excitement of slots and table games. It’s common for
gaming venues to be multifaceted entertainment complexes. While there, adults eat great meals in some of the finest
restaurants in the world, take in amazing performances in our showrooms, and dance the night away in our lounges and
clubs. They find pleasure in a night out with friends, or relax for a few days in the comfort and opulence of our resorts.
Since 1993, when the first Harrah’s Survey was published, we’ve learned a lot about the American gambler, and we’ve
dispelled a few myths as well. We’ve learned that gamblers as a group are financially responsible, save more than non-gamblers
and are better prepared for their future needs. We’ve seen that they enjoy great service, wonderful amenities, and sharing time
with their friends. Compared with non-gamblers, they are more active and enjoy a wider variety of experiences in travel,
dining and community involvement.
In the 2006 Harrah’s Survey, we explore the notion that gamblers are trendsetters. As we examined the attitudes of gamblers,
we discovered that they are often asked by friends and neighbors for advice on food, travel, new technology – even home
decorating and automotive choices. Just as gamblers like to try new activities, they also tend to be the first to buy new
products, and to tell their families and friends about the experience. And no doubt, they have shared the news about the great
times that they have enjoyed in casinos.
We hope you gain new insight from this report into the American casino gambler, and we welcome your comments or
questions about our survey.
Gary W. Loveman
Chairman of the Board, Chief Executive Officer and President
Harrah’s Entertainment, Inc.
4. Methodology
Profile of the American Casino Gambler: Harrah’s Survey 2006 is based on two studies: the National Profile Study and the
U.S. Gaming Panel, conducted by Roper Reports GfK NOP and TNS respectively. Both studies used nationwide samples.
U.S. Census population data was also used in this report.
National Profile Study
Roper Reports from GfK NOP administered face-to-face interviews to a nationwide sample of 2,000 adult men and women
in the respondents’ homes. The interviews were conducted in four waves between February and December 2005. “Casino
gamblers” were defined as respondents who indicated that they had gambled in a casino during the 12 months prior to being
interviewed.
The margin of error for a question in the Roper Reports from GfK NOP survey answered by all respondents at a 95%
confidence level is approximately +/- 2.2%. The results of the National Profile Study are reflected on pages 3 through 15 of
this report.
Roper Reports from GfK NOP is a global research firm specializing in marketing, public opinion and advertising research and
consulting. Roper Reports from GfK NOP serves many of the world’s leading companies, brands and institutions.
U.S. Gaming Panel
TNS mailed a survey questionnaire in 2005 to a panel of 100,000 adults (25,000 adults per quarter) 21 years of age or older
within the continental United States. The survey generated 57,205 respondents, from which TNS identified the U.S. Gaming
Panel, a nationally representative sample of 14,437 casino players. “Casino gamblers” were defined as respondents who
indicated that they had gambled in a casino during the 12 months prior to being surveyed.
The margin of error for a question asked of all casino players is +/- 1.3% to 1.7%, depending on the confidence level. Where
numbers fell outside of this confidence range, they are not reported and a small sample size is indicated. Findings from the
U.S. Gaming Panel are reflected on pages 16 through 21 of this report.
TNS is the leading provider of insight into the needs, behaviors and attitudes of the American consumer. TNS offers clients
a full range of marketing information services as well as the 6th Dimension, the world’s largest pre-recruited managed
consumer panel.
2 | HARRAH’S SURVEY ’06
5. Personal Finances
Casino gamblers are more likely than non-gamblers to have
Percent who agreed that they were “in control
of spending and borrow only when necessary”
increased their savings and decreased their debt over the past year.
Majorities of both groups, however, indicate that their personal
GAMBLERS NON-GAMBLERS
financial situations remained about the same in 2005 as compared
57% 44% to 2004. When asked about statements that best describe their
current situation, non-gamblers are more likely to report that they
are just living from one day to the next, while gamblers are more
likely to report that they are putting away money for the future.
What amount do you have in savings What statement best describes your current
compared to one year ago? financial situation?
Working hard to
23%
Higher now get out of debt
16%
Just living from one
23%
day to the next
Lower now
26%
Putting away
money for the
53%
About same future
55%
Trying to maintain
what you have
1%
Don’t know already saved
3%
0 10 20 30 40 50 60
Trying to grow
Casino Gamblers your savings
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
None / Don’t know
What are your current personal debts 0 5 10 15 20 25 30
and financial obligations compared to Casino Gamblers
one year ago? Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
23%
Higher now
28%
21%
Lower now
14%
56%
About same
57%
1%
Don’t know
1%
0 10 20 30 40 50 60
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
HARRAH’S SURVEY ’06 | 3
6. Financial Planning
Non-gamblers are more likely to rate themselves as “Beginners” Generally optimistic about the future
of their personal financial situation
when it comes to investment decisions, while casino gamblers are
more likely to indicate that they have intermediate or advanced
GAMBLERS NON-GAMBLERS
investment skills. More non-gamblers than gamblers are interested
78% 68%
in putting their money into the safest place, while gamblers show
more interest in increasing the value of their holdings. Across the
board, gamblers have more confidence than non-gamblers in their
financial planning and decisions.
What level of investor do you consider yourself? What is your confidence in decisions concerning
financial products and financial activities?
44%
Deciding on 46% 47%
Beginner investor
50%
how to save 39% 44%
35%
Intermediate Deciding on 29% 43%
investor how to invest
27% 23% 40%
Planning family’s
8%
Knowledgeable 30% 45%
financial future
investor 25% 43%
6%
Planning for 31% 39%
12%
Don’t know retirement 26% 38%
17%
0 10 20 30 40 50
19% 32%
Estate Planning
Casino Gamblers
18% 30%
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
43% 37%
Financing home
34% 35%
When you consider the best places to have Buying
money, what are you thinking most in terms of? 49% 39%
home/auto/liability
insurance 38% 40%
41%
Safest place 34% 40%
Buying life insurance
49%
30% 38%
Income from 21%
Minimizing 22% 39%
investments
tax liability
19%
20% 33%
34% Making money in 14% 29%
Increase in value
the stock market
25% 13% 24%
Knowing how to 41% 46%
5%
Don’t know manage debts
36% 42%
7%
0 10 20 30 40 50 0 20 40 60 80 100
Casino Gamblers Casino Gamblers
Non-Gamblers Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP (Quite Competent + Somewhat Competent)
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
4 | HARRAH’S SURVEY ’06
7. Money Management Attitudes
Gamblers have higher expectations for their immediate economic
Asked by others for their opinion
on how to invest
prospects than non-gamblers. When queried about whether this is
a good time to make major purchases, non-gamblers are slightly
GAMBLERS NON-GAMBLERS
more pessimistic. In most investment matters, casino gamblers
20% 12% more frequently turn to professional advisors even though they
rate themselves as more experienced and have more confidence in
their decisions. Each group reports that they look most often to
friends and relatives when seeking financial advice, but gamblers
are more often asked by others for advice regarding investments.
What are your personal expectations What sources do you turn to for advice
for the coming year? on financial matters?
Non-
52%
Better Gamblers Gamblers
45%
Friends / relatives 37% 37%
Bank officer 24% 20%
42%
About the same Financial planner 25% 17%
45%
Accountant / CPA 23% 17%
Lawyer 13% 12%
5%
Full-service stock broker 10% 8%
Not as good
6% Other professional financial advisor 12% 8%
Insurance agent or representative 8% 5%
Employer 5% 5%
1%
Don’t know
Credit counselor 4% 3%
4%
Finance company 5% 3%
0 10 20 30 40 50 60
Real estate broker 3% 4%
Casino Gamblers
Discount stock broker 5% 1%
Non-Gamblers
Radio / TV financial commentators 3% 2%
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
None / Rely on yourself 17% 25%
Don’t know < 1% 1%
Is now a good time to buy, or a good time Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
to wait to make purchases?
35%
Good time to buy
31%
35%
Good time to wait
39%
Someplace in 30%
between
27%
1%
Don’t know
3%
0 5 10 15 20 25 30 35 40
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
HARRAH’S SURVEY ’06 | 5
8. Planning for Retirement
During their working years, gamblers have higher expectations Those not retired who have given any
thought to their retirement years
than non-gamblers that they will have sufficient resources to live
comfortably during retirement, and are more likely to be looking
GAMBLERS NON-GAMBLERS
forward to their retirement years. They are also more frequently
74% 60%
putting aside money regularly for their retirement. Only a small
percentage of each group has taken the time to acquire the most
common estate planning tools before retirement.
Asked of those not retired: Do you expect to Asked of those not retired: Aside from
have enough money to live comfortably during pensions, are you regularly putting money
your retirement? away for retirement?
46% 65%
Yes, will Yes, putting
have enough aside regularly
37% 46%
No, will not 19% 8%
Putting aside,
have enough but not regularly
29% 11%
26% 25%
No, do not
It depends
put aside
29% 41%
10% 3%
Don’t know Don’t know
12% 2%
0 10 20 30 40 50 0 10 20 30 40 50 60 70 80
Casino Gamblers Casino Gamblers
Non-Gamblers Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Asked of those not retired: What legal
Asked of those not retired: What are your documents or estate planning tools do you
feelings toward your retirement years? currently have?
42%
Look forward to Non-
Gamblers Gamblers
retirement years 36%
A will 29% 27%
A trust 9% 6%
18%
Don’t like the idea
Durable power of attorney 11% 9%
20%
Healthcare power of attorney 11% 8%
A living will 13% 14%
36%
Have mixed
None of these 60% 63%
feelings 35%
Don’t know < 1% 2%
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
4%
Don’t know
9%
0 10 20 30 40 50
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
6 | HARRAH’S SURVEY ’06
9. Retirement Finances
Retirees who are non-gamblers report enjoying their retirement
Retirees who are able to count on income
from their savings and investments
less than those who are gamblers, and although a clear majority of
both groups report having sufficient resources to live comfortably,
GAMBLERS NON-GAMBLERS
gamblers indicate they are slightly better off. Most retirees have a
50% 33% will, but a higher percentage of gamblers than non-gamblers have
obtained legal and estate planning tools.
Asked of those retired: Do you have enough Asked of those retired: Aside from
money to live comfortably during your retirement? pensions, did you regularly put money away
for retirement?
69%
Yes, have
70%
Yes, put
enough 64%
aside regularly 47%
18%
No, do not Put aside, but 9%
19%
not regularly 17%
9%
It depends
No, did not 19%
16%
put aside 35%
4%
Don’t know
2%
Don’t know
1%
2%
0 10 20 30 40 50 60 70 80
0 10 20 30 40 50 60 70 80
Casino Gamblers
Casino Gamblers
Non-Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Asked of those retired: What are your feelings Asked of those retired: What legal
about retirement? documents or estate planning tools do you
currently have?
74%
Enjoy retirement
years Non-
64%
Gamblers Gamblers
A will 76% 63%
9%
Don’t like
A trust 23% 14%
retirement 10%
Durable power of attorney 26% 22%
Healthcare power of attorney 32% 23%
15%
Have mixed A living will 42% 35%
feelings 24% None of these 15% 28%
Don’t know 2% 1%
2%
Don’t know
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
1%
0 10 20 30 40 50 60 70 80
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
HARRAH’S SURVEY ’06 | 7
10. Using New Technologies
The enthusiasm of casino gamblers for new consumer technologies Asked by acquaintances for their
opinion on new technology
is reflected in both their attitudes and their purchases. While
gamblers and non-gamblers use the Internet for similar purposes,
GAMBLERS NON-GAMBLERS
gamblers use the Internet more frequently in their daily lives.
21% 7%
Gamblers are also much more likely to own the latest consumer
electronics and lead non-gamblers in ownership of every new
technology mentioned in the survey except VOIP (Internet
phone service).
Which of these products do you own?
For what have you used the Internet in the
past 30 days? (asked only of those who had heard of the product)
Non- Non-
Gamblers Gamblers Gamblers Gamblers
Stay in touch by e-mail 51% 44% DVD player 71% 54%
Education for myself or my children, 37% 29% CD burner / recording CD player 44% 31%
such as doing homework
Digital camera (still photos) 37% 26%
Access news 40% 28%
Video gaming system 27% 22%
Find out product information 36% 29%
Video camera (camcorder) 24% 21%
Find out travel information 41% 25%
Digital cable 23% 19%
Play games alone or with others 28% 19%
Broadband modem 27% 16%
Get information related to health care 25% 19%
DVD burner 23% 15%
Make bank transactions or pay bills 25% 17%
Satellite TV system 20% 15%
Share photos or video clips with others 20% 12%
Digital video camera (digital camcorder) 15% 13%
Do office-related work at home 16% 12%
Laptop computer 14% 13%
Haven’t used Internet in past 30 days 23% 31%
MP3 player 18% 10%
Digital video recorder (such as TiVo) 15% 8%
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
High definition TV 11% 8%
PDA or electronic organizer 10% 7%
Wireless computer modem 8% 6%
What is your attitude about new technology? Projection TV (40 inches or more) 9% 6%
Wireless computer network 5% 4%
Enthusiastic: Find it GPS (global positioning system) 4% 4%
40%
exciting and use
Flat panel TV, plasma TV 6% 3%
29%
as much as I can
Satellite radio 6% 2%
VOIP (phone calls over Internet) < 1% 1%
Required: Must 30%
be mastered to
31%
remain up-to-date Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
19%
Difficult: It is a
bit beyond me 20%
4%
Frightening:
It scares me 8%
7%
Don’t know / other
12%
0 5 10 15 20 25 30 35 40
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
8 | HARRAH’S SURVEY ’06
11. Home Environment
Casino gamblers take great interest in improving their homes and
Homeownership Rate
living environments and redecorate or remodel their homes more
often than non-gamblers. They also prefer to have a distinct style
GAMBLERS NON-GAMBLERS
to their décor and furnishings. Gamblers are also more likely than
78% 72% non-gamblers to anticipate purchases in the near future to renovate
their homes.
When have you had major redecorating Do you agree with the following statements
or remodeling to your home? about your choices in home furniture and
home decorating?
Redecorated 20%
In past year I’m very interested 52%
15%
in furniture and
41%
home decoration
9%
1 or 2 years ago
I like the style of
12%
52%
my home to be
different from most 39%
18%
other people’s
3 to 5 years ago
8%
I’m always looking
55%
for new things
20%
More than 5 years to make my 44%
ago 20% home look nicer
I’m always looking
for new ways to
31% 66%
Never better organize
40% 55%
my home
0 10 20 30 40 50 60 70 80
1%
Don’t know Casino Gamblers
5%
Non-Gamblers
0 10 20 30 40 50 60
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Remodeled
15%
In past year
11%
What things do you expect to buy for your
6%
1 or 2 years ago home in the next year or two?
8%
Non-
13%
Gamblers Gamblers
3 to 5 years ago
5%
New furniture 19% 15%
24%
More than 5 years New wall-to-wall carpeting 13% 8%
ago 18% New rugs 7% 6%
Interior painting 27% 17%
39%
Enclosed porch, finished 5% 3%
Never
basement or finished attic
52%
New kitchen cabinets, 14% 7%
appliances or fixtures
2%
Don’t know
New bathroom cabinets or fixtures 9% 8%
6%
New flooring 11% 8%
0 10 20 30 40 50 60
Casino Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
HARRAH’S SURVEY ’06 | 9
12. Automotive
Casino gamblers are more likely than non-gamblers to have bought a Asked advice about automobiles
car new and they also indicate that they are slightly more likely to
buy a new car in the next year or two. Gamblers are more likely to
GAMBLERS NON-GAMBLERS
have two or three cars in their household. More non-gamblers’
28% 19%
households have only one car, and non-gamblers are more likely to
have purchased a used automobile. Non-gamblers are far more likely
to drive a car that is five or more years old.
What is the number of vehicles owned/leased
How did you purchase the vehicle you drive
in your household?
most often?
50% 23%
New One
44% 33%
50%
45%
Used Two
54% 36%
15%
3%
Three
Leased
11%
1%
7%
<1%
Four or more
Don’t know 8%
1%
0 10 20 30 40 50 60
Don’t know / Don’t 5%
Casino Gamblers
own or lease 12%
Non-Gamblers
0 10 20 30 40 50
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Do you plan to buy a new car in the next
What is the year of the vehicle you drive most
year or two?
often?
Non-
50%
Gamblers Gamblers
2001 – 2005
35%
Yes, plan to buy new 11% 9%
Probably, yes 9% 8%
50%
Probably not 9% 8%
Older than 2001
63%
No, do not plan to buy new 67% 70%
Don’t know 4% 5%
<1%
Don’t know
2% Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
0 10 20 30 40 50 60 70 80
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
10 | HARRAH’S SURVEY ’06
13. Food & Travel
Casino gamblers like to take longer vacations than non-gamblers, and
Like to be the first to try
new restaurants
when traveling within the U.S. are more likely to have traveled more than
500 miles from their home for both their last vacation and their last
GAMBLERS NON-GAMBLERS
business trip. Non-gamblers prefer to take briefer vacations, either as long
21% 12% weekends or as shorter breaks. They are also more likely than gamblers
not to take vacations at all. For business travel, however, non-gamblers are
more likely than gamblers to have traveled outside of the country. When
it comes to enjoying food from a variety of cultures and regions, both
gamblers and non-gamblers expressed similar preferences.
What type of vacation do you prefer? What are the destinations of your last
vacations and business travel trips?*
23%
One long vacation
Vacation
20%
In U.S., less than 38%
500 miles 42%
from home
47%
A couple of
shorter vacations 36% In U.S., more than 36%
500 miles
31%
from home
24%
Several 3-5 day
weekends 20%
32%
Outside of U.S.
13%
6%
Don’t know 5%
Don’t vacation
12% 11%
0 10 20 30 40 50
Casino Gamblers 1%
Don’t know
3%
Non-Gamblers
0 10 20 30 40 50 60 70 80
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Business Travel
In U.S., less than 52%
500 miles
64%
from home
What regional/national types of food do you
enjoy? In U.S., more than 44%
500 miles
26%
from home
Non-
Gamblers Gamblers
3%
Outside of U.S.
Californian 24% 14% 9%
Chinese 65% 54%
French 1%
21% 15%
Don’t know
1%
German 16% 9%
Greek/Middle Eastern 0 10 20 30 40 50 60 70 80
25% 17%
Indian/Pakistani 12% 9%
Casino Gamblers
Italian 72% 61%
Non-Gamblers
Japanese 24% 20%
Mexican/Tex-Mex 58% 54%
*Business travel destinations asked only of those who indicated that they
New England travel for business reasons.
15% 9%
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
Plain American 65% 68%
Southern (U.S.) 40% 39%
Spanish 25% 20%
Thai 26% 14%
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
HARRAH’S SURVEY ’06 | 11
14. Values
Gamblers and non-gamblers share many of the same ideas about
JOB AND CAREER
what makes their lives successful, and both groups are generally
quite satisfied with the lives they have – their homes and
View work as a career
communities, their families, their jobs, their education and their
friends. Gamblers are more likely to see their job as a career and
are more likely to donate money to charitable causes, while non- GAMBLERS NON-GAMBLERS
58% 48%
gamblers are more likely to see their work as just a job. Religion
plays a larger role in the lives of non-gamblers.
What statements coincide with your personal
View work as just a job
expression of success?
GAMBLERS NON-GAMBLERS
44%
Being a good
42% 51%
spouse and parent 40%
15%
Being wealthy
13%
View owning own business as
30%
Having friends that
an ideal work situation
respect you 32%
GAMBLERS NON-GAMBLERS
50% 43%
6%
Being prominent or
famous 5%
24%
Being true to God
38%
42%
Being true to self
42%
What is the degree of importance of religion in
your own life?
Making or doing 10%
things useful to
12%
society
39%
Very important
49%
Being
20%
knowledgeable or
9%
well-informed
41%
0 10 20 30 40 50 Fairly important
32%
Casino Gamblers
Non-Gamblers
19%
Not very important
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP 19%
1%
Don’t know
1%
0 10 20 30 40 50
Casino Gamblers
Non-Gamblers
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
12 | HARRAH’S SURVEY ’06
15. Values
What is your level of satisfaction with various
VOLUNTEERING aspects of your life?
Donated time to a social issue
44% 43%
in the past twelve months
House you live in
47% 40%
GAMBLERS NON-GAMBLERS
4% 4%
Size of the 52% 39%
community
52% 37%
you live in
57% 35%
Region of the
country you live in 58% 33%
Donated money to a social issue in
the past twelve months
38% 41%
Choice of career
or field of work 42% 29%
GAMBLERS NON-GAMBLERS
33% 20% 38% 40%
Level and kind of
schooling you had 40% 34%
57% 37%
The friends
you have 62% 32%
Donated both time and money to a
social issue in the past twelve months
60% 21%
Your marital status
GAMBLERS NON-GAMBLERS 54% 22%
15% 15% 0 20 40 60 80 100
Casino Gamblers
Non-Gamblers
(Completely Satisfied + Fairly Well Satisfied)
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
What causes would you like to see
companies more involved with?
Non-
Gamblers Gamblers
Improving education 32% 29%
Quality of environment 25% 20%
Drug and alcohol abuse 10% 16%
Human rights 16% 14%
Domestic violence 12% 16%
Child abuse 18% 23%
Homelessness 28% 23%
Animal rights 8% 9%
Illiteracy 10% 13%
Medical research and disease treatment 35% 26%
Providing housing 13% 18%
Hunger 23% 26%
Disaster relief 26% 22%
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
HARRAH’S SURVEY ’06 | 13
16. Trendsetters
RETIREMENT IMPROVING THE HOME
EXPECTATIONS
Gamblers are consulted
More gamblers (17%) than more frequently by friends and
OPTIMISTIC
non-gamblers (11%) expect neighbors on ideas for the home
Gamblers are more optimistic, with to start their own business in (25% vs. 19% for non-gamblers).
52% expecting the year to be retirement.
better, while non-gamblers had TECHNOLOGY IN THE HOME
lower expectations with only 45% In 2001, 13% of survey respondents
anticipating a better year. owned a DVD player. In 2005,
that number had increased to 59%
overall, and 71% for gamblers.
EATING OUT
TECHNOLOGY IN THE HOME
Gamblers are more likely (21%)
More gamblers (79%) than
to try new restaurants than
non-gamblers (65%) have a home
non-gamblers (12%).
RESEARCHING PURCHASES
computer (PC or laptop).
Gamblers are also more likely to have Gamblers tend to spend time
more than one computer in the home researching brands before a major
(21%) than non-gamblers (16%). purchase (38% vs. 24% for non-
gamblers), and are more likely to use
the Internet as a source
of information (gamblers 36%,
non-gamblers 29%).
Source: Harrah’s Entertainment, Inc. / Roper Reports from GfK NOP
14 | HARRAH’S SURVEY ’06
17. FOOD AND BEVERAGE
Gamblers like to try trendy new EXPERIENCING MUSIC
foods and beverages (25% vs.
More gamblers are owners of MP3
16% for non-gamblers).
players (18%) than non-gamblers (10%).
PLANNING TRAVEL
Gamblers are more likely to view the
Internet as a good source for travel
planning and information (32%) than
non-gamblers (17%).
SHOPPING FOR CLOTHES
When deciding on clothing, the “latest
fashion” is more important to gamblers
than non-gamblers (22% vs. 15%).
PURCHASING CARS
CHOOSING A HOTEL OR RESORT
When cars first come on the market,
Gamblers are more often asked
casino gamblers are more likely to be
for advice on where to go on vacation
COOKING NEW RECIPES buyers (24%) than non-gamblers (18%).
(29%) than non-gamblers (21%).
Gamblers like to experiment
with cooking (42% vs. 32%
for non-gamblers).
HARRAH’S SURVEY ’06 | 15
18. U.S. Casino Visitation
Casino gambling is a very popular entertainment for U.S. adults. Residents of the West continue to be the most likely to include
More than 25% of Americans age 21 and older gambled at a gambling in their leisure activities, although participation rates in
casino at least once during 2005, and Americans made more than the North Central and North East, where almost every state has
320 million total visits to casinos. Adults with annual household some form of commercial or Indian gaming, are not far behind.
incomes exceeding $95,000 are the most likely to visit a casino. Casino entertainment is a popular social activity across all adult age
This group has a casino gambling participation rate that is 55% groups, and those whose lifestages allow more time for activities
higher than that of the lowest income bracket. The national casino outside the home, such as empty nesters, are more likely to
gambling participation rate has remained statistically unchanged participate in casino gambling.
since 2002.
U.S. Adults who gambled in a casino in the Casino Participation Rate by Income
last 12 months
Income Level
U.S. Adult Population (Age 21+) 209.2 million
Under $35,000 20%
Casino Gamblers 52.8 million
$35,001 - $55,000 25%
Casino Participation Rate* 25%
$55,001 - $75,000 27%
Average Trip Frequency 6.1 trips per year
$75,001 - $95,000 29%
Total Casino Visits 322.1 million
Over $95,000 31%
*The percentage of U.S. adults who gambled at least
Source: Harrah’s Entertainment, Inc. / TNS / U.S. Census Bureau
once in a casino in the last 12 months.
Source: Harrah’s Entertainment, Inc. / TNS / U.S. Census Bureau
Lifestage Casino Participation by Geographic Region
Lifestage* Geographic Region
Non-
Gamblers Gamblers
West 33%
Young Singles (21-35) 3% 2%
North Central 27%
Middle Singles (35-65) 6% 7%
North East 28%
Older Singles (66+) 5% 6%
South 18%
Young Couples (21-44) 10% 8%
Source: Harrah’s Entertainment, Inc. / TNS / U.S. Census Bureau
Working Older Couples (45+) 19% 14%
Retired Older Couples (45+) 9% 7%
Parents of Young Children (21-44) 12% 15%
Parents of Older Children (21-44) 11% 14%
Older Parents (45+) 23% 26%
Roommates (21+) 2% 1%
*Age ranges are for the head of household. Singles, couples and roommates
have no children living at home. Parents of young children have at least one
child under 6 in the household. Parents of older children have at least one child
in the household, but none under age 6. Older parents have children of any
age in the household.
Source: Harrah’s Entertainment, Inc. / TNS / U.S. Census Bureau
16 | HARRAH’S SURVEY ’06
19. Favorite Casino Games
Slot machines and electronic gaming devices like video poker is consistent across all regions, casino players in the North
are the most popular casino games among Americans. Across all Central states have the greatest preference for slots over table
demographics – age, gender, and geographic location – quarter games. Quarter and 50-cent slots, the top games of every
and 50-cent slots are a distinct favorite. Table games are more region, find the greatest margin of popularity in the North East
than twice as popular among men than women, and are also states. Blackjack, the table game played most often, is by far the
more than twice as popular with younger adults compared to favorite table game of young adults and is slightly more popular
the oldest player group. Although the ranking of favorite games in the West than in other regions.
Favorite Games by Age
America’s Favorite Casino Games
Casino Games Played Age Range
21-35 36-50 51-65 66+
Slots / Slots /
Video Poker (Net) Video Poker (Net)
71% 65% 73% 75% 74%
$.01 - .02 $.01 - .02
7% 6% 6% 7% 7%
$.05 - .10 $.05 - .10
19% 20% 19% 17% 19%
$.25 - .50 $.25 - .50
38% 31% 39% 42% 40%
$1.00 – 4.00 $1.00 – 4.00
7% 7% 8% 8% 7%
$5.00 + $5.00 +
1% 1% 1% 1% 1%
Table Games 14% Table Games 21% 14% 10% 9%
Blackjack/21 Blackjack/21
9% 14% 9% 6% 5%
Roulette Roulette
2% 3% 2% 1% 1%
Craps Craps
2% 2% 2% 1% 1%
Live Poker Live Poker
2% 2% 1% 1% 2%
Other 5% Other 6% 5% 5% 5%
Don’t know 9% Don’t know 8% 8% 9% 12%
Source: Harrah’s Entertainment, Inc. / TNS Source: Harrah’s Entertainment, Inc. / TNS
Favorite Games by Geographic Region Favorite Games by Gender
Geographic Region Gender
North North
East Central South West Male Female
Slots / Slots /
63% 79%
Video Poker (Net) 71% 74% 71% 70% Video Poker (Net)
$.01 - .02 $.01 - .02
3% 8% 5% 10% 5% 8%
$.05 - .10 $.05 - .10
14% 22% 17% 21% 15% 22%
$.25 - .50 $.25 - .50
45% 37% 40% 31% 34% 41%
$1.00 – 4.00 $1.00 – 4.00
7% 7% 9% 7% 8% 7%
$5.00 + $5.00 +
1% 1% 1% 1% 1% 1%
Table Games Table Games 21% 9%
16% 11% 15% 14%
Blackjack/21 Blackjack/21
8% 7% 9% 10% 13% 5%
Roulette Roulette
3% 1% 2% 1% 2% 1%
Craps Craps
2% 2% 2% 2% 3% 1%
Live Poker Live Poker
2% 1% 2% 1% 3% 1%
Other Other 5% 5%
6% 6% 5% 6%
Don’t know Don’t know 10% 7%
8% 9% 9% 10%
Source: Harrah’s Entertainment, Inc. / TNS Source: Harrah’s Entertainment, Inc. / TNS
HARRAH’S SURVEY ’06 | 17