This document discusses Millennials and their approach to personal finances. It finds that 38% stick to a budget and 40% wish they knew more about finances. Most Millennials receive money from their parents and speak to them about finances rather than professionals. Many Millennials prioritize experiences over retirement and prefer cash over other assets or investments. The document also examines Millennials' employment status and priorities for jobs.
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.
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.
Kicking off the world’s largest financial content expo, FinCon 2016, Experian — together with eight bloggers — announced the findings from a nationwide consumer survey that covers the gamut of personal finance topics. What did we learn?
• Respondents feel optimistic about their finances, but stress surrounding income expectations, debt reduction and retirement investments diminish their confidence in a strong financial future
• Lack of income and funds are considered the main reasons for financial woes, not respondents’ fiscal behavior
• Financial education is key to debt reduction and increased savings, according to respondents
’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 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 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.
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.
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.
Kicking off the world’s largest financial content expo, FinCon 2016, Experian — together with eight bloggers — announced the findings from a nationwide consumer survey that covers the gamut of personal finance topics. What did we learn?
• Respondents feel optimistic about their finances, but stress surrounding income expectations, debt reduction and retirement investments diminish their confidence in a strong financial future
• Lack of income and funds are considered the main reasons for financial woes, not respondents’ fiscal behavior
• Financial education is key to debt reduction and increased savings, according to respondents
’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 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 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.
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.
Jeff French: How to Design and Deliver Social Programs that Influence Behaviour Horizons RG
Jeff French: How to Design and Deliver Social Programs that Influence Behaviour
Keynote Session
Presented at the New Horizons in Responsible Gambling Conference in Vancouver, January 27-29, 2014
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 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.
Mind The Gaps The 2015 Deloitte Millennial Surveyaditya848
Deloitte's 2015 press release discusses findings from the Millennial survey, including how businesses, particularly in developed markets, will need to change to attract and retain the future workforce.
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.
The Millennial Shift: Financial Services and the Digital GenerationLinkedIn
Maya Pope-Chappell, News Editor, LinkedIn
Theresa McLaughlin, CMO Canadian Banking, Auto, and Wealth, TD Bank
Denise Karkos, CMO, TD Ameritrade
Marty Willis, Chief Marketing Officer, OppenheimerFunds
Laura Desmond, CEO, Starcom MediaVest Group
Donna Sabino, SVP, Ipsos
Bill Sullivan, Head of Global Financial Services, Market Intelligence, Capgemini
Leslie Gillin, Managing Director and Chief Marketing Officer, Citi Global Consumer Bank
With one of the largest generations in history comes tremendous buying power: Millennials spend $1.3 to $1.7 trillion annually. In fact, this group of digital natives represents a lucrative market and the next generation of financial clients. To make inroads with Millennials, firms must appeal to their demand for services and experiences on par with those delivered by retail and other industries that have learned how to capitalize on consumer interactions in the digital era.
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.
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.
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.
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 latest Experian Consumer Services reveals that half of married adults say credit played a role when choosing a life-long mate.
When asked to rank important qualities in a partner, 95% of participants put “financial responsibility” as important, with “physical attractiveness” and “career ambition” following behind at 86 percent and 77 percent, respectively.
In fact, when asked about how important it is to have similar goals, married adults rank financial compatibility high on the list, even slightly higher than sex and intimacy. This and other fascinating statistics on marriage and credit are covered in this presentation.
John Lanza - Teach Kids About Money for CA Jump$tartJohn Lanza
It is imperative that we teach preschool and elementary kids about the value of money. They can and must learn good habits early so that they become financially literate teens and adults.
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.
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.
Women still not investing for their futureAlpesh Patel
Research shows that women are still underinvesting in the stock market. This relative lack of engagement is true of both pensions and more general investments.
Women’s lower participation in investing exacerbates the existing gender pay gap. To meet the goal of an equal society, this is a problem that needs addressing.
In this presentation I cover both the causes of underinvestment and what we can do to bridge the gap
Read more: https://www.tradermind.com/women-are-still-not-investing-for-their-future/
Watch the video
Learn more at www.campaignforamillion.com
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.
Jeff French: How to Design and Deliver Social Programs that Influence Behaviour Horizons RG
Jeff French: How to Design and Deliver Social Programs that Influence Behaviour
Keynote Session
Presented at the New Horizons in Responsible Gambling Conference in Vancouver, January 27-29, 2014
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 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.
Mind The Gaps The 2015 Deloitte Millennial Surveyaditya848
Deloitte's 2015 press release discusses findings from the Millennial survey, including how businesses, particularly in developed markets, will need to change to attract and retain the future workforce.
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.
The Millennial Shift: Financial Services and the Digital GenerationLinkedIn
Maya Pope-Chappell, News Editor, LinkedIn
Theresa McLaughlin, CMO Canadian Banking, Auto, and Wealth, TD Bank
Denise Karkos, CMO, TD Ameritrade
Marty Willis, Chief Marketing Officer, OppenheimerFunds
Laura Desmond, CEO, Starcom MediaVest Group
Donna Sabino, SVP, Ipsos
Bill Sullivan, Head of Global Financial Services, Market Intelligence, Capgemini
Leslie Gillin, Managing Director and Chief Marketing Officer, Citi Global Consumer Bank
With one of the largest generations in history comes tremendous buying power: Millennials spend $1.3 to $1.7 trillion annually. In fact, this group of digital natives represents a lucrative market and the next generation of financial clients. To make inroads with Millennials, firms must appeal to their demand for services and experiences on par with those delivered by retail and other industries that have learned how to capitalize on consumer interactions in the digital era.
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.
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.
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.
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 latest Experian Consumer Services reveals that half of married adults say credit played a role when choosing a life-long mate.
When asked to rank important qualities in a partner, 95% of participants put “financial responsibility” as important, with “physical attractiveness” and “career ambition” following behind at 86 percent and 77 percent, respectively.
In fact, when asked about how important it is to have similar goals, married adults rank financial compatibility high on the list, even slightly higher than sex and intimacy. This and other fascinating statistics on marriage and credit are covered in this presentation.
John Lanza - Teach Kids About Money for CA Jump$tartJohn Lanza
It is imperative that we teach preschool and elementary kids about the value of money. They can and must learn good habits early so that they become financially literate teens and adults.
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.
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.
Women still not investing for their futureAlpesh Patel
Research shows that women are still underinvesting in the stock market. This relative lack of engagement is true of both pensions and more general investments.
Women’s lower participation in investing exacerbates the existing gender pay gap. To meet the goal of an equal society, this is a problem that needs addressing.
In this presentation I cover both the causes of underinvestment and what we can do to bridge the gap
Read more: https://www.tradermind.com/women-are-still-not-investing-for-their-future/
Watch the video
Learn more at www.campaignforamillion.com
Running head FINANCIAL LITERACY AMONG YOUTHS IN KLANG VALLEY1.docxcowinhelen
Running head: FINANCIAL LITERACY AMONG YOUTHS IN KLANG VALLEY 1
FINANCIAL LITERACY AMONG YOUTHS IN KLANG VALLEY 17
Importance of Financial Literacy Among Youths in Klang Valley
Student’s Name
Institutional Affiliation
Introduction
Money is an essential element in everyday life. Learning how to earn, manage and grow finances is thus crucial for achieving success, freedom and independence in life. Yet, a big percentage of the youths do not have financial education by the time they leave school and start working. According to the MonsterTrak, 57% of the college students are planning to move back in with their parents due to financial difficulties. Similarly, The Student Monitor has indicated 62% of the graduates leave school with an average $27,236 in student debt due to lack of financial literacy. Another study by the National Foundation for Credit Counseling has indicated 39% of the adults living in America have zero non-retirement savings. The shocking statistics indicate the lack of financial literacy among youths.
Globally, financial literacy has remained a huge problem. A S&P Global FinLit Survey only 71% of the people living in Norway, Denmark and Sweden. At the bottom of the rank is Yemen, which has only 13% of its citizens as financially literate. In Malaysia, the World Bank survey found only 36% of its citizens are financially literate. Therefore, the statistics indicate a big gap in the society since a huge number of people have little knowledge on financial literacy. A huge percent of the youths, lack formal or informal guidance on financial matters. According to a global study, less than 18% of the youths at the age of 15 receive financial skills. The fundamental financial skills the youths do not receive include making a budget, comparing prices when shopping and understanding or making an invoice.
A report on the performance of the youths who were subjected to financial literacy exam indicate 48% were correct. Another study was carried in 2008 by the National Longitudinal Survey of Youth shows less than 27% of the youths understand concepts such as inflation. Another set of less than 27% can calculate interest rate. The statistics indicate the youths are in dire need of financial knowledge. When they are in school, they rarely receive the fundamental skills on money. Moreover, back at home, the parents care less on teaching their children how to understand finances. The children tend to grow up thinking an age will come when they will understand all the financial concepts. Since they continue handling money or start earning at a young age, youths express lack of financial skills due to the mismanagement of money.
In Malaysia, financial illiteracy is severe among the low-income individuals. The people who earn less money rarely invest in getting the right financial information. The youths in Malaysia who have little income thus end up as victims of increasing debt, high-interest loans and scams. If the pe ...
Meeting the Billing and Payment Needs of MillennialsFiserv
The millennial generation is coming of age, taking on more financial responsibility and beginning to flex their financial and social muscle. Billing organizations must know how to serve and satisfy millennials’ unique billing and payment practices and preferences.
Webinar Replay:
http://fisv.co/millennial-payments-webinar
Research Paper:
http://fisv.co/millennial-payments-research
The State of the Digital Kid @CES @FamilyTech Summit 2018Tonda Bunge Sellers
“Mobile Natives” is right. Our kids are so immersed in technology these days, it’s become nearly a language to them. Finstagrams and the Snap Map are just the beginning. Learn how your kids are reshaping the culture and the future.
How Generation Y millennials are driving financial industry changeHarland Clarke
Financial marketers are being put to the test as fairly predictable generations of customers give way to the less familiar and less predictable. Pre-Baby Boom generations have been in retirement for years, and their pattern of drawing down assets continues. Now, Baby Boomers themselves are busy liquidating assets to fund college educations, weddings and their own retirements. Generation Xers have well-established careers and saving/investing habits to match.
The Changing Face of Retirement: The Young, Pragmatic and Penniless Generation sets forth some of the key challenges facing young adults as they seek to balance their immediate financial pressures with the goal of planning for retirement. The survey was based on 10,800 employees in 12 countries worldwide, and
included 2,722 employees between the ages of 20 and 29.
With over half of young people today expecting to be worse off in retirement compared to their parents’ generation, the current generation of people in their twenties find themselves faced with particular challenges in saving for later life.
Similar to Junior Achievement: Millennials and Money (20)
Comparative research is one of the most common and commonly known forms of assessment. It can take the form of meta-studies, where JA looks at existing research and pulls similar data points to compare to the data JA collects on its students, volunteers, etc. This approach has been used to determine how effective the JA volunteer model is and how JA alumni compare to the general population in terms of educational attainment, median income, and business ownership.
Business leaders claim that the generation of students entering the workplace lacks many critical "soft" skills like problem solving and critical thinking, abilities that contribute to an individual's and an organization's success. Explore Junior Achievement's new proposed model that links a foundation of recognized knowledge, skills and attitudes to measurable engagement and achievement activities. The application of this model can potentially lead to a student who is credentialed to be "workforce ready," fully prepared to contribute meaningfully upon entering a 21st century global workplace.
https://www.juniorachievement.org/documents/20009/0/Are+Students+Prepared+for+the+Workplace.pdf/c1b75524-016d-4bd1-b8aa-74395f51021a
The rising cost of college is spurring many young adults to re-evaluate their post-secondary education options. See what Millennials are saying about it.
https://www.juniorachievement.org/web/ja-usa/critical-issues
Taking it Digital: New Opportunities for Volunteer ServiceJunior A. Chiever
Junior Achievement, with the help of partners like Citi, is scaling volunteer engagement using technology and a blended learning approach. See what students and teachers have to say about this new model that supports the JA Education Gateway.
https://www.juniorachievement.org/web/ja-usa/critical-issues
Junior Achievement's 2015 Teens and Personal Finance Survey, sponsored by The Allstate Foundation, reveals a surprising disconnect between teens' and parents' views around paying for college and managing money.
https://www.juniorachievement.org/documents/20009/20652/2015+Teens+and+Personal+Finance+Survey
Everyone agrees that STEM plays an important role in the job market of today…and tomorrow. But what do teens think of STEM, and other career fields, and how does that perspective differ by gender? The 2017 Teens & Careers Survey by Junior Achievement and EY explores those issues, and more.
https://www.juniorachievement.org/documents/20009/20652/2017-teens-and-career-survey.pdf
Corporate Responsibility &Employee Volunteer ProgramsJunior A. Chiever
Employee Volunteer Programs (EVP) have become an integral part of many Corporate Responsibility (CR) initiatives. On the surface, it seems only natural to engage employees in a business's efforts to demonstrate its commitment to being a responsible corporate citizen. At the same time, effectively incorporating EVP into CR efforts is hardly an easy task. This dynamic creates an opportunity to further explore the reasons behind CR professionals taking on EVP efforts and gaining a better understanding of the challenges and opportunities presented by such combined undertakings.
Junior Achievement (JA) is one of the world's leading nonprofit economic education organizations. Our programs promote concepts related to financial literacy, work readiness, and entrepreneurship to more than 4.8 million students in grades K-12 each year. JA's programs are delivered by nearly a quarter-of-a-million volunteers, primarily through Employee Volunteer Programs. For this reason, we conducted the research presented in this document to gain a better understanding of how CR professionals use EVP programs.
https://www.juniorachievement.org/web/ja-usa/corporate-responsibility-employee-volunteer-programs
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.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
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.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@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
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @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
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
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
2. MANAGING THEIR FINANCES
Becoming adults post-recession, it is no surprise that Millennials are trying to manage their money.
Thirty-eight percent of 13-24-year-olds on Thumb (a real-time survey tool created by millennial
market research firm Ypulse) say they stick to a budget and 40% say they wish they knew more
about personal finance. Females were more likely to desire knowledge with 48% voting “thumbs up”
compared to just 31% of males. Personal finance is not mandatory or even offered in some traditional
education systems; therefore, young people need the tools to make sound financial decisions.
THE MONEY TREE
1
From which of these sources do you currently receive money?
How confident are you in your ability to
pay off student loans?
Do you currently have or have had
student loans?
Do you
stick
to a
budget?
Do you
use online
services
to help
manage
your
finances?
No
No
Very
Confident
Yes
Yes
Somewhat
Confident
Not Very
Confident
Not At All
Confident
18-21
years old
22-24
years old
25-29
years old
Parents
0% 20% 40% 60%
Full-Time Job
Part-Time Job
Scholarship/Grant
Government Aid
Ypulse Lifeline Survey April 2013 | Sample Size n=100
HAVING THE TALK
As of August 2013, 51% of Millennials had not talked with anyone about how to handle their
finances over the course of the previous year. Of those who had talked with others about
money issues, the majority turned to their parents while some spoke with significant others
and friends. Only 21% spoke to someone with professional expertise in the field. Fifty-two percent
of Millennials would rather use an online service to manage their money than meet with a financial
advisor in person.
47% 37%
53% 63%
A majority of this generation is still living at home with
their parents, pegging Mom and Dad as the top resource
for funds. New grads are facing a rougher road with
an estimated $36,900 starting salary, compared to the
$44,000 average salary for 2012 grads.
39%
61% 37%
70%
3%
12%
45%
40%
63%
30%
3. 2
INVESTMENT AVOIDANCE
Millennials aged 13-22 plan to be moved out of Mom and Dad’s by age 28 and simultaneously
start saving for retirement. Boomers started saving at age 32 on average, but wish they had begun
at age 24. Only 28% of Millennials see investment as important in long-term financial success,
compared to 52% of Baby Boomers. Millennials are in a balancing act of paying off debt and trying
to save for the near future. Retirement is too far off, and too abstract, for many of them to make it
their saving focus. Forty-one percent say that experiences like vacations and travel are the most
important reasons they are saving money, while only 31% name retirement as a top saving priority.
CASH I CAN TRUST
Millennials on average keep 52% of their assets in cash, compared to 46% with older generations.
Seventy-four percent of Millennials use cash to make everyday purchases, while 67% cite using
debit cards frequently and 47% use credit cards day-to-day. While paying online using secure sites
is common among this generation, they do note a moderately high level of concern for entering
their credit card information on a
mobile device, while their concern lowers
when using the computer. Surprisingly,
their concerns are equally as high for
entering debit card information
on mobile devices and
computers, hinting to their
mistrust of debit card security,
which could be a reflection of
recent data breaches for
well-known retailers and banks.
What percentage of your income do you save per month?
81-100%
0% 20%5% 10% 15%
60-80%
41-60%
5-10%
21-40%
1-4%
11-20%
None
Are you
currently
planning or
saving for
retirement?
of Millennials use cash to
make everyday purchases
cite using debit cards
frequently
Do you trade
stocks,
bonds,
mutual
funds,
or other
investment
products
online? NoYes
37%
74%
67%
87%
63%
13%
4. 3
TEENS TEND TO SPEND
According to the “Monitoring the Future” study by the
University of Michigan, teens spend the money they
earn on short-term needs rather than saving. However
the research, conducted among high school seniors
between 1981 and 2011, did find that the amount they
spend on cars has dropped sharply in the last ten years.
DoSomething’s Would You Rather campaign for financial
literacy texts fun and irreverent “would you rather”
questions to participants along with tips for saving and
money planning. Last year’s campaign found that 86% of
teens would rather share
a car with Grandma
than a cell
phone
with Mom.
LIKE GRANDPARENTS LIKE GRANDCHILD
Thanks to the recession, Millennials are the most financially conservative generation since the
Great Depression, according to a new survey that finds only 28% of Millennials see longterm
investing as a path to success, and the majority of them say that saving is the best financial advice
they have gotten.
MILLENNIAL EMPLOYMENT STATUS
“My generation has learned that
times can change in the blink of the
eye. We should all live somewhat
cautiously, in terms of our finances
and decisions impacting our future.”
–Female, 15, TN
IN THEIR OWN WORDS
0%
80%
70%
60%
50%
40%
30%
20%
10%
14-17 18-21 22-24 25-29
Age of respondents
Working Full-Time
Working Part-Time
Interning (paid)
Interning (unpaid)
Unemployed
Ypulse Lifeline Survey August 2013 | Sample Size n=100
5. 4
MONEY ISN’T EVERYTHING
This generation is typically more concerned with their personal well-being than the width of their
wallets, choosing experiences of savings and career paths based on passion as opposed to
stability and salary.
Research conducted for Junior Achievement by Ypulse (February, 2014). Ypulse conducts a bi-weekly Pulse Survey
among 1,000 14-30-year-olds, powered by SurveyU, a proprietary youth research panel of over 150,000 Millennials
ages 13-34.
What are you most looking for in a job right now?
Fulfills My Passions
0% 10% 20% 30%
Decent Salary
Stability
Flexibility
I Would Take Anything
Fun Workplace
Would you be willing to take out a
loan to support a career dream?
NoYes
40%
60%
of Millennials admire their peers who start their own businesses. At the same time, they realize the
financial risks, being no stranger to loans.
81%