This document summarizes key points from the book "Abundance" by Peter Diamandis and Steven Kotler. The authors argue that recent technological advances have put humanity on the cusp of unprecedented peace, prosperity and well-being. While conditions like poverty, disease, and violence have significantly improved over the past 50 years, the authors believe the next 10-20 years will see even greater improvements due to factors like increasing access to information, communication technologies, and the ability of small groups to take on large challenges. The document provides examples of how daily life has improved over recent decades and centuries, and argues against dismissing the authors' optimistic view of the future.
This document summarizes consumer confidence and spending patterns based on survey results from October 2012. It finds that consumer confidence remains cautious due to economic uncertainty from issues like the upcoming "fiscal cliff." Specifically, confidence in a strong economy reached only 37.9% in October 2012, down from peaks in 2007. Additionally, more consumers are focusing on necessities rather than wants and paying down debt in the current climate. Looking to the holidays, the report suggests targeted and planned spending given ongoing economic concerns.
Planning Process. This presentation outlines how we get results for you and your family. If you are tired of having more questions than answers, give me a call. 403 220-9654.
1) The document provides information about a large Canadian financial services company that has been in business since 1926 and serves approximately one million Canadians through more than 400 offices across the country.
2) It details the variety of financial products and services offered, including mutual funds, RRSPs, mortgages, loans, insurance policies, and investment advice.
3) The document also discusses common financial challenges facing Canadians, such as low retirement savings, debt, taxes, disability, and choosing appropriate financial advice and vehicles. Households without an advisor tend to have fewer assets and make less use of savings tools like RRSPs and TFSAs.
SolarWinds UK and Germany SME Survey Results - Time and BudgetSolarWinds
500 interviews (250 in the UK and 250 in Germany) with IT decision makers from private sector SME organisations were carried out during March 2013, and here is what they had to say about time and budget concerns.
James Metcalfe's Real Estate Update 02,2012James Metcalfe
The document discusses the benefits of obtaining an up-to-date survey when purchasing a property. A survey conducted by a licensed surveyor clearly identifies property boundaries and any encroachments, easements or other issues. This prevents problems that can occur when properties are purchased without a survey, such as building structures in the wrong location or on someone else's land. The document advises homebuyers to carefully review surveys for accuracy and check measurements against physical markers on the property.
This document discusses trends in the games industry and how consumer behavior is changing across different screens like mobile, PC, and console. It notes that (1) consumers are driving changes in business models, access to games, and value through free and paid options. (2) Big publishers are struggling to adapt to these changes where free-to-play has become a business approach rather than just a pricing model. (3) Community services and cross-platform play are becoming important for player engagement and monetization across devices.
David Gardner discusses the rapid growth of mobile gaming and its dominance over traditional gaming platforms. He introduces London Venture Partners (LVP), the venture capital firm he works for. LVP focuses on investing in mobile gaming and social networking startups. Gardner looks for intelligent, passionate entrepreneurs with insights into gaming and fast iteration. He enjoys helping European entrepreneurs succeed in the gaming industry.
This document summarizes key points from the book "Abundance" by Peter Diamandis and Steven Kotler. The authors argue that recent technological advances have put humanity on the cusp of unprecedented peace, prosperity and well-being. While conditions like poverty, disease, and violence have significantly improved over the past 50 years, the authors believe the next 10-20 years will see even greater improvements due to factors like increasing access to information, communication technologies, and the ability of small groups to take on large challenges. The document provides examples of how daily life has improved over recent decades and centuries, and argues against dismissing the authors' optimistic view of the future.
This document summarizes consumer confidence and spending patterns based on survey results from October 2012. It finds that consumer confidence remains cautious due to economic uncertainty from issues like the upcoming "fiscal cliff." Specifically, confidence in a strong economy reached only 37.9% in October 2012, down from peaks in 2007. Additionally, more consumers are focusing on necessities rather than wants and paying down debt in the current climate. Looking to the holidays, the report suggests targeted and planned spending given ongoing economic concerns.
Planning Process. This presentation outlines how we get results for you and your family. If you are tired of having more questions than answers, give me a call. 403 220-9654.
1) The document provides information about a large Canadian financial services company that has been in business since 1926 and serves approximately one million Canadians through more than 400 offices across the country.
2) It details the variety of financial products and services offered, including mutual funds, RRSPs, mortgages, loans, insurance policies, and investment advice.
3) The document also discusses common financial challenges facing Canadians, such as low retirement savings, debt, taxes, disability, and choosing appropriate financial advice and vehicles. Households without an advisor tend to have fewer assets and make less use of savings tools like RRSPs and TFSAs.
SolarWinds UK and Germany SME Survey Results - Time and BudgetSolarWinds
500 interviews (250 in the UK and 250 in Germany) with IT decision makers from private sector SME organisations were carried out during March 2013, and here is what they had to say about time and budget concerns.
James Metcalfe's Real Estate Update 02,2012James Metcalfe
The document discusses the benefits of obtaining an up-to-date survey when purchasing a property. A survey conducted by a licensed surveyor clearly identifies property boundaries and any encroachments, easements or other issues. This prevents problems that can occur when properties are purchased without a survey, such as building structures in the wrong location or on someone else's land. The document advises homebuyers to carefully review surveys for accuracy and check measurements against physical markers on the property.
This document discusses trends in the games industry and how consumer behavior is changing across different screens like mobile, PC, and console. It notes that (1) consumers are driving changes in business models, access to games, and value through free and paid options. (2) Big publishers are struggling to adapt to these changes where free-to-play has become a business approach rather than just a pricing model. (3) Community services and cross-platform play are becoming important for player engagement and monetization across devices.
David Gardner discusses the rapid growth of mobile gaming and its dominance over traditional gaming platforms. He introduces London Venture Partners (LVP), the venture capital firm he works for. LVP focuses on investing in mobile gaming and social networking startups. Gardner looks for intelligent, passionate entrepreneurs with insights into gaming and fast iteration. He enjoys helping European entrepreneurs succeed in the gaming industry.
The document summarizes budgets and expenditures for the Prevention Services Division (PSD) of the Colorado Department of Public Health and Environment for fiscal years 2010-11 and 2011-12. It shows that in 2010-11, PSD expenditures were $197 million with 169 FTEs, while total CDPHE expenditures were $409 million with 1,149 FTEs. For 2011-12, the PSD budget totals $210.8 million, including $16.5 million for personal services, $185.5 million for grants and contracts, and $5.2 million for other operating costs. The division budget will be used for operating within constraints, modeling potential cuts, tracking FTEs and vacancies, and
1) In 1650 BC, Jacob gave his son Joseph a colorful shirt, causing jealousy in Joseph's brothers who eventually sold him into slavery in Egypt.
2) As a servant in Potiphar's house, Joseph's intelligence and strength were evident. However, Potiphar's wife attempted to seduce him.
3) Joseph, knowing God through his ancestors like Abraham and Moses, refused her advances, not wanting to commit adultery or sin against God. This led to his false imprisonment.
This document discusses object poetry, which is the practice of writing poetry inspired by and about objects. It provides examples of object poems, including one about a toaster and another comparing a fanny pack to David Hasselhoff's. The document encourages generating new object poems by creatively combining objects and exploring objects in museum collections. It emphasizes that poetry can elicit emotion and hope in a way that science cannot.
This document summarizes Vermont's approach to using data-driven decision making to support Positive Behavioral Interventions and Supports (PBIS) in schools. It provides an overview of the PBIS implementation in Vermont, describing the various state agencies and organizations involved in supporting schools. It also describes the tiered system of support for schools, including the data tools and resources available at each level to facilitate data-driven problem solving. Data is shown on the growth of PBIS implementation in Vermont schools over time, as well as outcomes like decreased office discipline referrals and time out of school/class. The role of data analysis to support decision making is emphasized.
This document lists the top 250 actors as ranked by an unknown source. It provides brief biographies for the top 16 actors, including Jack Nicholson, Ralph Fiennes, Daniel Day-Lewis, Robert De Niro, Al Pacino, Dustin Hoffman, Tom Hanks, Brad Pitt, Anthony Hopkins, Marlon Brando, Jeremy Irons, Denzel Washington, Gene Hackman, Jeff Bridges, and Tim Robbins. Each biography highlights some of their notable roles and career accomplishments.
This is a Sample of a Research Report valued at over $80,000 containing millions of dollars worth of research data that shows why approx 95% of retirement plans FAIL.
The full version is also available at no cost.
Anyone who wants to retire MUST see this valuable information.
You will learn how much is needed to retire, see historic investment returns, why most plans are losing 44% they don't know about, how inflation devastates most plans, where 90% of millionaires made their money and most importantly discover a safe and affordable alternative
Enjoy and more importantly plan wisely for your future!
The document summarizes budgets and expenditures for the Prevention Services Division (PSD) of the Colorado Department of Public Health and Environment for fiscal years 2010-11 and 2011-12. It shows that in 2010-11, PSD expenditures were $197 million with 169 FTEs, while total CDPHE expenditures were $409 million with 1,149 FTEs. For 2011-12, the PSD budget totals $210.8 million, including $16.5 million for personal services, $185.5 million for grants and contracts, and $5.2 million for other operating costs. The division budget will be used for operating within constraints, modeling potential cuts, tracking FTEs and vacancies, and
1) In 1650 BC, Jacob gave his son Joseph a colorful shirt, causing jealousy in Joseph's brothers who eventually sold him into slavery in Egypt.
2) As a servant in Potiphar's house, Joseph's intelligence and strength were evident. However, Potiphar's wife attempted to seduce him.
3) Joseph, knowing God through his ancestors like Abraham and Moses, refused her advances, not wanting to commit adultery or sin against God. This led to his false imprisonment.
This document discusses object poetry, which is the practice of writing poetry inspired by and about objects. It provides examples of object poems, including one about a toaster and another comparing a fanny pack to David Hasselhoff's. The document encourages generating new object poems by creatively combining objects and exploring objects in museum collections. It emphasizes that poetry can elicit emotion and hope in a way that science cannot.
This document summarizes Vermont's approach to using data-driven decision making to support Positive Behavioral Interventions and Supports (PBIS) in schools. It provides an overview of the PBIS implementation in Vermont, describing the various state agencies and organizations involved in supporting schools. It also describes the tiered system of support for schools, including the data tools and resources available at each level to facilitate data-driven problem solving. Data is shown on the growth of PBIS implementation in Vermont schools over time, as well as outcomes like decreased office discipline referrals and time out of school/class. The role of data analysis to support decision making is emphasized.
This document lists the top 250 actors as ranked by an unknown source. It provides brief biographies for the top 16 actors, including Jack Nicholson, Ralph Fiennes, Daniel Day-Lewis, Robert De Niro, Al Pacino, Dustin Hoffman, Tom Hanks, Brad Pitt, Anthony Hopkins, Marlon Brando, Jeremy Irons, Denzel Washington, Gene Hackman, Jeff Bridges, and Tim Robbins. Each biography highlights some of their notable roles and career accomplishments.
This is a Sample of a Research Report valued at over $80,000 containing millions of dollars worth of research data that shows why approx 95% of retirement plans FAIL.
The full version is also available at no cost.
Anyone who wants to retire MUST see this valuable information.
You will learn how much is needed to retire, see historic investment returns, why most plans are losing 44% they don't know about, how inflation devastates most plans, where 90% of millionaires made their money and most importantly discover a safe and affordable alternative
Enjoy and more importantly plan wisely for your future!
The document discusses solutions to the affordable housing crisis by expanding sustainable homeownership opportunities. It argues that tight credit guidelines since the crisis have disproportionately impacted lower-income communities and reduced access to affordable mortgages. The document advocates returning to more community-based, relationship lending as practiced under the Community Reinvestment Act (CRA), citing evidence that CRA loans performed better during the crisis. Expanding sustainable homeownership through responsible lending that provides long-term, fixed-rate loans could boost mobility, jobs and the economy while avoiding a repeat of the crisis.
1) The document discusses Bank of America's enterprise risk management strategies and capabilities. It highlights how the bank manages various types of risk, including credit, market, and operational risk across its consumer and commercial businesses.
2) Key strengths that help the bank manage risk include its breadth of client access, industry insights, and integrated risk management structure.
3) The bank has improved its risk profile by rebalancing its commercial credit portfolio and enhancing risk monitoring tools.
This document summarizes the American housing market outlook for 2013. It discusses that 2012 saw improvements in home prices, construction starts, existing home sales and declining delinquencies. It predicts that 2013 will see home inventory bottoms as rising prices encourage more construction and home selling. The healthiest housing markets are those with strong job growth, low vacancy rates and limited foreclosure inventory rather than the biggest price gains. The top 10 healthiest markets entering 2013 are identified.
Is the Check Still in the Mail? Fundraising Best Practices for 2013 and Beyond.FirstGiving
It’s here . . . the fourth quarter of 2012, when the majority of funds will come in for nonprofits. Will the check still be in the mail? Or will it be online?
You still have time to maximize giving for 2012, and CEO Chip Grizzard will tell you how in this webinar. Chip will present updated fundraising best practices for 2012, and trends for beyond.
Presented by: Chip Grizzard, CEO of Grizzard Communications Group
The document summarizes the bursting of the housing and credit bubbles in the United States. It describes how lending standards declined from 2001 to 2006, fueling a surge in subprime mortgage originations. This led to rapidly rising home prices that far exceeded historical trends. When home price appreciation slowed, mortgage defaults increased sharply. By 2008, home prices were falling significantly, foreclosures were at record highs, and existing home sales were declining as inventories surged - showing that the housing and credit crises were still in early stages and would continue to negatively impact the economy.
In this second annual survey, more than one hundred philanthropic leaders from across the United States shared their wisdom and insights about giving in the year ahead. The data provided in this Dini Partners’ survey report is encouraging and demonstrates the critical thinking that undergirds philanthropy in these challenging times.
From the valued impressions and insights that were shared, we have made recommendations to assist nonprofit leaders and volunteers. It is our hope that this survey report will help institutions continue to succeed in fundraising and mission advancement as our national and regional economies continue to recover.
www.dinipartners.com
The document discusses how outsourcing could help address rural America's "brain drain" issue. It describes how rural sourcing companies locate technology and customer support centers in rural areas to take advantage of lower costs while providing jobs. The CEO of Rural Sourcing, Inc. argues that high unemployment, lower costs of living, and widespread broadband could enable knowledge workers to remain in rural areas through remote work. Forward-thinking companies and some states are already establishing rural outsourcing centers.
Creating and Protecting Retirement Income_ Finding Income in Unexpected Place...Steve Stanganelli
Planning for retirement takes more than simply saving or a buy and hold approach to investing. This presentation provides practical tips on how to plan for your income needs and turn your portfolio into a sustainable cash flow machine. By using diversified portfolios that include alternative income sources, you can help protect your investments from inflation. By having a plan for withdrawing money, you can help protect yourself from running out of it.
McCrindle Research exists to conduct world class research and communicate the insights in innovative ways.
The McCrindle Baynes Villages Census Report 2011 is Australia's benchmark industry report for the retirement villages sector.
The document provides an overview of Sallie Mae's business fundamentals and financial outlook. It discusses that Sallie Mae has:
1) Strong fundamentals in student lending, competitive scale, and assured FFELP profits through 2010.
2) Adequate liquidity to meet debt obligations and unlimited funding for new FFELP loans through 2009/2010.
3) Expanding deposit funding and $20 billion in expected FFELP originations for 2008/2009.
4) Private loan originations increased despite economic challenges, with improving credit quality in recent vintages.
People are the Media (DDB Edmonton Edition)Eric Weaver
This document discusses how people have become the new media through social engagement, influence, and activation. It notes that we are in the midst of a profound cultural shift where captive audiences have given way to active ones who no longer defer to big brands, but instead refer to their friends. The document provides examples of how social media usage and influence has grown exponentially in recent years. It advocates that marketers leverage social media to build trust with consumers by focusing on engagement, influence, and inspiring real actions and advocacy rather than just outbound publishing. The six steps discussed are: study and plan, listen, publish, engage, influence, and activate.
Consumer confidence in the economy declined slightly in June 2012 compared to April, with optimism still relatively higher than in June 2011 and 2010. One in four adults expect more layoffs over the next six months, up from one in five the previous month. Despite a declining national unemployment rate, pessimism remains regarding future employment opportunities, with few expecting fewer layoffs and most anticipating the employment situation will remain the same.
Business Transition Essentials by ROCG AmericasROCG Americas
Here are a few key questions to consider when developing a contingency plan for business transition:
- Do you have a capable successor identified who can step into an interim leadership role if needed?
- Have you put key responsibilities and decision making authorities in writing so there is a clear chain of command?
- What legal documents like a buy-sell agreement are in place to facilitate an orderly transfer of ownership if needed?
- Have you planned for maintaining business operations and cash flow if you're unable to run the day to day for a period?
- Have you communicated your transition plans and contingencies to family, partners and key employees?
Developing thorough contingency plans can give you peace of mind that your business is
The document discusses business transition planning and succession. It notes that less than 40% of businesses successfully transition ownership, yet most business owners will need to transfer their businesses by 2015. Proper transition planning is important to maximize business value and provide financial security in retirement. The benefits of planning include improved financial stability, increased business value, and prepared successors. However, many owners fear loss of control and family conflicts. The key issues in transition include understanding how buyers value businesses, having contingency plans, managing different stakeholder interests, planning for family involvement, and coordinating advisors. Analyzing the current situation and building a customized transition plan based on objectives is important.
SuperReturn 2010: Bumpy road ahead for Private Equity investorsValue Partners
The document discusses the outlook for private equity investors based on insights from the SuperReturns 2010 conference. It notes that (1) future returns will rely less on financial engineering and more on operational improvements, sector expertise, and growing portfolio company EBITDA. It also finds that (2) the large amount of uninvested capital and challenging macroeconomic conditions in Western markets will make it difficult for private equity firms to achieve past returns in the short to medium term. However, (3) private equity has historically rebounded after downturns, and future high returns may be possible later in the decade if firms adapt their strategies and markets in emerging countries are tapped.
Overview Of Housing/Credit Crisis And Why There Is More Pain To ComeAndrew Coleman
This document provides an overview of the housing/credit crisis and why more pain is to come. It discusses several key causes of the crisis, including a decline in lending standards that allowed many unqualified borrowers to obtain loans. This was driven by the assumption of perpetually rising home prices and the demand from Wall Street for loan products to securitize. The consequences section outlines the surge in delinquencies, falling home sales, rising foreclosures and inventories, and the number of homeowners who owe more than their homes are worth.
This document summarizes a social business event hosted by TAG, the industry association for Georgia's technology industry. The event discussed the state of social business in Georgia and how companies can become "socially acceptable." Attendees were encouraged to share thoughts on social media using #tagjam12 and take pictures to post on Twitter. Surveys of technology adoption, company culture, and demographics from TAG members were presented. Panelists from various companies discussed challenges of the new digital workplace and enabling mobile work. The event concluded with discussions on assessing social business maturity and keeping the conversation ongoing through future TAG events and their LinkedIn group.
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.
Pinterest for Business - May 2013 Webinarifcaonline
This presentation introduces Pinterest as a business tool to create awareness, grow brands, gain competitive insights, increase engagement, drive website traffic, and increase sales. Key recommendations include setting up a virtual pinboard, engaging with followers by pinning relevant content, using targeted keywords and trending topics, organizing pins into boards, and conducting contests to build a following. Analyzing metrics through Repinly is also advised to improve Pinterest marketing campaigns.
This document provides best practices for writing successful direct mail. It recommends focusing on the audience and objectives, using short words, sentences and paragraphs, and repeating the call to action multiple times. Key messages should be supported with benefits, specifics, testimonials and visuals like charts. Direct mail should be signed by a person, link to digital assets, and be tested. Resources for writers include a white paper, online calculator, video and eBook. The document emphasizes writing for scanners, using numbers strategically, selling benefits over features, and teaming with designers.
The document summarizes the marketing strategy and results of Amica Life Insurance Company's "Life With Amica" campaign. It outlines Amica's pricing approach, creative and media mix, which included direct mail, radio, online display advertising, and paid search across several states. Initial results showed success in generating leads and sales through the various marketing channels. The campaign aimed to expand Amica's customer base beyond its traditional markets by leveraging its strong brand and marketing expertise.
The presenter is the president of Vertical Measures, an online marketing firm. He discusses why search engine optimization is important, noting that 93% of buyers conduct searches and 94% click organic links over paid links. He then outlines the eight key steps for a successful search optimization strategy: keyword research, developing content, optimizing elements, promoting content, distributing content, building links, measuring results, and achieving success through all eight steps.
This document provides tips for successful direct mail copywriting. It recommends focusing on benefits to the recipient rather than features, keeping words, sentences, and paragraphs short for easy scanning, using active verbs and repetition, highlighting benefits like saving money, and testing materials. It also suggests collaborating with designers and using multiple pages, images, and formats to encourage engagement and response.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
"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.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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21. 70%
The number of
American Households
with children under 18
that would be in
jeopardy if the primary
bread winner died.
Source: LIMRA Household Trends in U.S. Life Insurance
Ownership, 2010 21
25. Americans have had an unfavorable
opinion of the economy for some time
Consumer Opinion of the Economy
March '08 49% 33% 13% 4% 1%
October '08 66% 24% 6% 2% 2%
January '09 60% 28% 7% 3%1% 1%
July '09 44% 33% 11% 8% 2% 2%
January '10 38% 39% 15% 5% 2% 1%
July '10 42% 34% 14% 8% 1% 1%
January '11 34% 33% 18% 13% 1% 1%
July '11 46% 29% 14% 5% 3% 3%
Very unfavorable Somewhat unfavorable Neither Somewhat favorable Very favorable Unsure
26. Americans have had an unfavorable
opinion of the economy for some time
Percent “Unfavorable”
90% 88%
82%
77% 76% 76% 75%
67%
March '08 October January July '09 January July '10 January July '11
'08 '09 '10 '11
30. Tr ad it io n al r ecr u it in g
d o esn ’t reso n at e
What do I value?
Influence
Gen er at io n
Connection – Networking 2.0
“ Next ”
Stability
Variety
What am I offering?
To d ay’s Money
r ecr u it er Connection – Networking 1.0
Entrepreneurship
Risk and Reward
Source: LIMRA Report Choosing Careers They Love, 2011 30
Our product is researchTypes of researchWhat is MY JOB every dayHow my job helps industry: new direction product how we hire sales people how we distribute products help member company sell ethnic group influence legislationAt end: vast amounts of research – often dry – turn it into a good and compelling STORY
You are all financial communicatorsWorkshop about being good storytellerIFCA asked me to…. You MUST be able to make the data interesting!
It’s about finding the needle…Your job – comms that make a difference to your companyReach customersSell productMotivate sales forceStrengthen brandWherever you get data – make sure you learn to be good at using it.What do you create? Marketing materials, client facing, speeches, advertising, powerpoint, employee comm, articles inter or intranet
Credibility will define you, or your boss, or your company, as an expert.Facts bolster your argument – as long as you use a good source and use them responsibly – more on that in a minuteYou can build an entire news release, article, speech around one great stat.
People are desperate to establish credibility and to sway or sell their audience: Make you see things their way.Start story:How many have heard “We use only 10% of our brains?”
Assumed it was trueMaybe they roundedResearched itStarted 20 years ago – there areClick -- Books , cd’s coursesCover psychicsDebunkedThink about it = head trauma=severely impairedLuckily… bullet… 90% he didn’t usePoint is: stat included means rarely questionedWithin our industry there are voodoo stats too…
Recent example – last fall.Permanent insurance tax shelter for wealthyView could hurt industryWorked with them – cherry picked – clearly wealthy have more premiumMore interesting story this way
Result? Weaken that reporters cred.CLICKIssued, and they printed, L to Ed, stating factsCLICKThat refuted their storyExample of Voodoo stats.
Cover slide, thenWhether verbal or print comms, what can you do to attract attention of audience and keep them tuned it? There are things!Presentations now include speech and visuals. Before PPT, we had to be better ORAL storytellers.Old fashioned speeches
Given spread of PPT – presentations turned upside down“Speech” = mostly what’s on screenProper relation if illustration tool to the speech reversed.Many believe tragically damaged public speakingToday, many can’t imagine doing w/o ppt.
Rely heavily – mtgs big and smallNot just execs – everyone, 12 year oldsOften not used wellOutcome of poorly planned ppt presentation = SNOOZE, and worse with research findings.10, 20, 30 data pointsWhat can you do to PRESENT OR COMMUNICATE research better and more successfully?If you walk away with only 1 thing….
I have created many presentations, and written many speeches over the years. I currently fulfill this function for the president of LIMRA. There are certainly times we battle – he loves every last number in the research, and asking him to leave it off a slide is like asking him to choose between his children, but usually, we get to a good place.
Almost 2 in 3 American households would quickly be in financial trouble just to meet everyday living expenses if a primary wage earner dies. One third would immediately have troubleAnother 3 in 10 could only keep up with expenses for several months Without adequate life insurance, these households may not have enough time to financially recover (by cutting expenses or increasing income) from the death of a wage earner.
About 7.4M households have financial assets of $100,000 or more
A few more things about this market:Over 25% of pre-retirees are not employedPre-retiree net worth exceeds $16 trillionParticipation rates in retirement plans remain less than 50% for private-sector workersPre-retirees hold over $1 trillion in IRA accounts
Worker refers to all individuals who are not defined as retirees, regardless of employment status.29 Percent have less than $1,000
This is a great litmus test to go through as you prepare your material – no matter what forms they take. When I first started at LIMRA, I would go around and meet with the different researchers. They are ALL passionate about their subject matter. So many times, I would hear “I have a new report coming out, and I think we should do a news release, or a podcast on the findings.” When we went through the findings together, I’m pretty sure I offended a few of them early on, when I asked them “So what?” They would look at me with a blank stare, and I’m sure they were thinking bad things about me, but eventually they started understanding that within the pile of findings, 1-2 things are really captivating.
And it’s not just about technology and finding them, it’s about what we say when we talk with them. We have historically talked a lot about money, about risk and reward, and entrepreneurship. The themes don’t resonate with them. They want to be part of a group, they want to work collaboratively with others. What worked with boomers won’t resonate as well with X and Y’ers… If you tell talk to them about the opportunities to network, you probably mention business lunches, social events, golf, and business dinners. The younger generations just don’t respond the same way. Today’s relationships have a digital dimension. They want to hear that you’re offering them cutting edge technology so that their communications can be immediate and direct. The next generation wants to affiliate with organizations that are willing to invest in modern technology to streamline all of their business practices. Will you give them 24/7 connections? They want to use social media to prospect, they have to, that’s where they live. If you are trying to recruit them and tell them they can’t interface that way with people your odds of getting them on the team are small. They don’t go online…. They ARE online…
Is there a disconnect?We asked college graduates and job changers to describe what they envision for their sales careers. There were clear themes.Influence: “I’m making a difference!”Connection: “I don’t go online. I am online.” (want and need tools and technology to grow. Communication should be immediate and direct.)Stability: “I feel supported.”Variety: “I hate monotony.”BUT when we talked to recruiters from across THIS industry, they described their view of a sales career:Money: “You have the potential to make a lot!”Connection: They focus on face to face: build a network, meetings, golf, lunches, handshakes (Gen “Next” want to social media here)Entrepreneurship: “You can be your own boss.” (They don’t want this – they want a team)Risk and Reward: They talk about the passion of sales, fierceness, excitement, competition.
Our news release on this research was titled “Gen X & Y Job Seekers Have Values That Align With a Financial Services Profession — But They Don’t Know That”. They often don’t even get past the recruiter, or the “image” they have of our profession. We also extensively researched their online buying habits, and while the researcher could tell you how often a person who is 32 is likely to go to an insurers web site, and what time of day, and for how long, and what they thought of it, etc, etc.. The “SO WHAT” was this… If you build the capabilities, they will come use them.
This will tell you what style to use, how literal you need to be, etc. For example, even though I represent a research company, given who my audience is today, I’m not actually hoping any of you retain ANY LIMRA research. By understanding what job functions you all have, I’m able to focus on what you want to hear – how to use the data, not which data to use.Here is another way to think about using RESEARCH to understand your audience…. (click to collage..)
In addition to research, we conduct focus groups to discuss different topics. We did a series of them regarding how people feel when they think about life insurance and the process of purchasing it.This research really tells us how our audience is thinking, and how we, as FINANCIAL COMMUNICATORS have to approach them.This focus group was asked to do a collage as prework. This particular woman presented hers, and it really encapsulated what they were all saying. In the center is family, … then at bottom, how they would feel once
It can detract from your message. Sure it’s fun, and sometimes we think it might be impressive to our bosses, but at the end of the day, too much is unprofessional. I like to use the “Fade In” animation, and use it more than any other. And my slides transition is “Fade through black.” A bit on the conservative side, but polished and smooth.
The main message here is…The importance of the speech and the slides getting inverted – if you’re doing slides for someone that plans to actually “present” them, make sure they simply support the points the speaker is making -- even if it’s just an image to look at while they talk. As soon as you put too much data up on the slide… , attention moves away from the speaker, Keep the focus on the presenter, and make the slide something the audience can absorb very quickly.Many financial communicators have some ability to impact the “consumer facing” materials – such as advertising.
This is one big way we reach our consumer audiences. Your companies spend a lot of money …. How research connects with advertisingConsumer sentiment research surveys how consumers feel about the economy, what they want from an advisor or agent, Priorities, worries, how long people have to work in retirement. Let me demonstrate for you, how the use of solid research has impacted how we communicate with our consumers through advertising. Set up clips
So my company produces research, and most of your companies are consumers of this type of research. I wanted to share with you a couple of examples of how your firms have found that “needle in a haystack” and used the research to promote their products or services.
ING recently made a major commitment to expanding their multi-cultural sales efforts in the U.S. They have launched websites, redesigned products, and even looked at their distribution. During the planning of this effort, they partnered up with LIMRA to better understand these markets, and how to reach them. They were able to cite LIMRA research throughout, to give them credibility and help them build a story around the opportunity. My team worked directly with their marketing and PR teams.
NYL was entering a major push on expanding their agent base. They connected this with LIMRA research on low life insurance ownership levels and the widening gap in protection.
We frequently partner with our member firms on these types of things. Over the past year, my team has worked these firms among others to help them use our research to improve their financial communications of all types.