six payment methods (cash, check, credit card, debit card, direct payment, e-bill) used for 16 different types of transaction in the U.S., such as housing, grocery, dining, health, and car expenses. Transaction-specific payment method usage would give a better understanding of changes in payment method use than those based on mere “Did you use this payment method for any transaction?” question.
The document discusses key points about telecom advertising, noting that telecom is the second largest spender in online advertising, spending over $4 billion in 2011. It provides data on telecom advertisers' interactive performance rates and conversion rates. The document also notes that users are most likely to convert during the first three exposures to a telecom campaign and that standard banners have among the lowest conversion rates.
The graph compares the daily energy use of a university building in July 2009 versus July 2010. It shows that energy use decreased from nearly 5,000 kWh/day in July 2009 to around 3,500 kWh/day in July 2010, a reduction of over 79,000 kWh and nearly 40%.
11.15.12 CBIG Event - Kalvin & Vantiv PresentationSubrata Debnath
Vantiv is a leading integrated payment processor in the US, ranking #3 in merchant acquiring transactions and #2 in transaction growth. It processes over 12 billion transactions annually through its single, integrated technology platform for merchant and financial institution services. The presentation discusses Vantiv's efforts to institutionalize analytics into decision making through 5 initiatives: 1) Defining and scoping analytics, 2) Prioritizing location within the organization, 3) Managing all-or-nothing thinking, 4) Balancing accuracy and understandability, and 5) Pushing intelligence to the front lines where business problems occur. Real-time analytics and reducing latency from data to insights is a focus.
This document discusses statistical estimation theory and parameters. It covers estimating nonparametric population features like means, correlations, and proportions. It also covers estimating parameters by fitting distributions like the mean and variance of a lognormal distribution, and estimating relationships in parametric models. The document indicates it will cover estimation theory as it relates to statistical inference and regression analysis.
This document discusses interest rates and value creation at a microfinance institution. It breaks down the institution's cost structure, including costs of funds, operating costs, taxes, loan loss provisions, and profits. It then discusses how the institution has gradually reduced interest rates over time by lowering these costs. The document also outlines how profits are reinvested into programs that benefit customers, including savings programs, financial education, and philanthropic donations. It considers how to best communicate interest rates and fees to customers in a transparent way that helps them make informed financial decisions.
1) The study examined the relationship between medication adherence and health services utilization and costs for patients with congestive heart failure, hypertension, diabetes, and dyslipidemia using insurance claims data.
2) The results showed that medication adherence was associated with fewer hospitalizations and emergency department visits, more outpatient doctor visits, and higher pharmacy costs that were offset by lower medical costs.
3) Adherence led to annual total healthcare savings of $7,823 for heart failure, $3,908 for hypertension, $3,756 for diabetes, and $1,258 for dyslipidemia, with benefit-cost ratios ranging from 2:1 to over 13:1 depending on the condition and patient age.
The document discusses branding and marketing strategies for tourism in the Greater Mekong Subregion, including developing an "Explore Mekong" branding and marketing campaign to promote 13 priority tourism areas through websites, contests, events, and advertising. It also addresses issues and trends in tourism, the role of public-private partnerships, and provides sample activities and presentations for incentive trips in the region.
The document discusses key points about telecom advertising, noting that telecom is the second largest spender in online advertising, spending over $4 billion in 2011. It provides data on telecom advertisers' interactive performance rates and conversion rates. The document also notes that users are most likely to convert during the first three exposures to a telecom campaign and that standard banners have among the lowest conversion rates.
The graph compares the daily energy use of a university building in July 2009 versus July 2010. It shows that energy use decreased from nearly 5,000 kWh/day in July 2009 to around 3,500 kWh/day in July 2010, a reduction of over 79,000 kWh and nearly 40%.
11.15.12 CBIG Event - Kalvin & Vantiv PresentationSubrata Debnath
Vantiv is a leading integrated payment processor in the US, ranking #3 in merchant acquiring transactions and #2 in transaction growth. It processes over 12 billion transactions annually through its single, integrated technology platform for merchant and financial institution services. The presentation discusses Vantiv's efforts to institutionalize analytics into decision making through 5 initiatives: 1) Defining and scoping analytics, 2) Prioritizing location within the organization, 3) Managing all-or-nothing thinking, 4) Balancing accuracy and understandability, and 5) Pushing intelligence to the front lines where business problems occur. Real-time analytics and reducing latency from data to insights is a focus.
This document discusses statistical estimation theory and parameters. It covers estimating nonparametric population features like means, correlations, and proportions. It also covers estimating parameters by fitting distributions like the mean and variance of a lognormal distribution, and estimating relationships in parametric models. The document indicates it will cover estimation theory as it relates to statistical inference and regression analysis.
This document discusses interest rates and value creation at a microfinance institution. It breaks down the institution's cost structure, including costs of funds, operating costs, taxes, loan loss provisions, and profits. It then discusses how the institution has gradually reduced interest rates over time by lowering these costs. The document also outlines how profits are reinvested into programs that benefit customers, including savings programs, financial education, and philanthropic donations. It considers how to best communicate interest rates and fees to customers in a transparent way that helps them make informed financial decisions.
1) The study examined the relationship between medication adherence and health services utilization and costs for patients with congestive heart failure, hypertension, diabetes, and dyslipidemia using insurance claims data.
2) The results showed that medication adherence was associated with fewer hospitalizations and emergency department visits, more outpatient doctor visits, and higher pharmacy costs that were offset by lower medical costs.
3) Adherence led to annual total healthcare savings of $7,823 for heart failure, $3,908 for hypertension, $3,756 for diabetes, and $1,258 for dyslipidemia, with benefit-cost ratios ranging from 2:1 to over 13:1 depending on the condition and patient age.
The document discusses branding and marketing strategies for tourism in the Greater Mekong Subregion, including developing an "Explore Mekong" branding and marketing campaign to promote 13 priority tourism areas through websites, contests, events, and advertising. It also addresses issues and trends in tourism, the role of public-private partnerships, and provides sample activities and presentations for incentive trips in the region.
This document discusses various techniques for concurrency control, including:
1. Types of locks (shared/exclusive) and how they are represented and managed through lock tables and a lock manager.
2. Serializability of transactions can be achieved through two-phase locking protocols where transactions lock data in two exclusive phases - growing and shrinking.
3. Deadlocks can occur with two-phase locking and various techniques like deadlock prevention/detection and priority-based scheduling can help address starvation issues.
4. Timestamp-based ordering assigns timestamps to transactions and data items to enable conflict-serializable execution through timestamp validation on reads and writes.
Different Types of Social Media Channels - SysomosSysomos
This presentation takes a look at different types of social media and
the application of these platforms in business. It gives a summary of
all popular business uses of twitter, blogs, youtube, forums, facebook
and message boards. It breaks down how a company may want to use just
one medium or several different social media outlets. This also
showcases examples of industry related social media campaign
techniques.
For: PR, Marketing, Social Media Professionals, CMOs, CEOs, Management,
Research and analytics, etc..
This document discusses the 6 main types of social media: 1) social networks like Facebook and LinkedIn for connecting with others, 2) bookmarking sites like StumbleUpon for saving and sharing links, 3) social news sites like Reddit and Digg for sharing news articles and voting, 4) media sharing sites like YouTube and Flickr for uploading photos and videos, 5) microblogging sites like Twitter for sharing short updates, and 6) blogs, blog comments, and forums for information sharing and discussions. It provides tips for using each type of social media and encourages contacting Sprint Marketing for help with digital marketing planning.
This document discusses the history and types of plastic money. It begins by defining plastic money as credit or debit cards made of plastic that provide an alternative to cash payments. It then outlines five main types of plastic cards: cash/ATM cards, credit cards, debit cards, in-store cards, and prepaid cash cards. For each type, it describes how they work, examples, and merits and demerits for customers. The document also reviews several academic studies that have examined factors influencing plastic money usage, such as income, education, and urban vs rural locations. Finally, it provides a bibliography of additional resources on the topic of plastic money.
This document provides an introduction and overview for a course on programming in C++. It discusses the goals of the course, which are to teach programming principles and the C++ language. Students will learn essential concepts like variables, data types, functions, and arrays. They will write increasingly complex programs and develop good programming style. The course will be assessed through quizzes, exams, and class projects. Topics to be covered include variables, input/output, control flow, arrays, pointers, strings, and file I/O. Good programming practices like readability, simplicity, and avoiding reinventing solutions are emphasized.
The document defines social media as internet-powered platforms that allow individuals and groups to interact and engage in various social activities. It then describes four main types of social media: content-based social media which focuses on sharing content like blogs, videos and photos; interest-based social media where communities form around shared interests; personality-based social media which involves creating character profiles; and fantasy-based social media like virtual worlds inhabited by avatars.
The Ultimate Marketing Guide to SnapchatRoss Simmonds
In this Snapchat Marketing Guide, we're going to look at everything you need to get started with Snapchat along with some strategies and insights that will help you take your Snapchat marketing to the next level.
Snapchat was created by Evan Spiegel and Bobby Murphy, two Stanford University students. It allows users to take photos or videos and send them to friends, where they will disappear after a set time between 1 to 10 seconds. While initially aimed at teens and young adults, Snapchat has grown its user base to include more 40+ year olds. It continues developing new features such as adjustable drawing line thickness and swipe-style keyboard input.
The document discusses various electronic payment systems used for e-commerce transactions. It describes advantages and disadvantages of different systems including electronic cash, electronic wallets, smart cards, and credit cards. It provides details on how each system works, examples of implementations, and considerations regarding their adoption and success.
Transaction management and concurrency controlDhani Ahmad
The document discusses transaction management and concurrency control in database systems. It covers topics such as transactions and their properties, concurrency control methods like locking, time stamping and optimistic control, and database recovery management. The goal of these techniques is to coordinate simultaneous transaction execution while maintaining data consistency and integrity in multi-user database environments.
Transactions are units of program execution that access and update database items. A transaction must preserve database consistency. Concurrent transactions are allowed for increased throughput but can result in inconsistent views. Serializability ensures transactions appear to execute serially in some order. Conflict serializability compares transaction instruction orderings while view serializability compares transaction views. Concurrency control protocols enforce serializability without examining schedules after execution.
A credit card allows cardholders to pay for goods and services with the promise to pay later. It was invented in 1887 and the first credit cards emerged in the 1920s in the US. Key details include the card number structure, parties involved in transactions, and benefits to customers and merchants. Credit cards offer rewards but also risks like debt that debit cards do not. Merchants may pass on credit card transaction fees through higher prices for all customers. Different credit cards have varying interest rates, annual fees, rewards programs, and other features to consider.
11 Facts You Probably Didn't Know About PastaJodie Harper
Pasta has been a staple in the Canadian diet for generations, and you probably think you know all there is to know about pasta, right? Wrong! Here are 11 fun facts you probably didn't know about these delicious Italian noodles — including *spoiler alert* the fact that Italy wasn't even the first country where pasta was enjoyed. Shared by: http://rasacatering.sg/
Man eats to live and not that he lives in order to eat, thus food is considered one of the basic necessities of human beings. Though the choices and preferences differ, there are some common foods that are consumed in larger quantities than others all over the world. This is a ranking of the top ten most eaten foods in all the continents of the world.
Shared by: http://rasacatering.sg/
6 Questions to Lead You to a Social Media StrategyMark Schaefer
It can be intimidating and overwhelming to try to develop a social media strategy, but if you follow through on these six questions, your strategy will reveal itself.
The document discusses project planning and a project work plan. It describes the planning process, which involves devising a scheme to accomplish the business need for a project. The core planning processes include scope planning, activity definition and sequencing, schedule development, resource planning, cost estimating, and developing the project plan. Facilitating processes support the core processes and involve areas like quality planning, staff acquisition, communication planning, and risk identification. An effective project plan guides project execution, documents assumptions and decisions, facilitates communication, and provides a baseline for monitoring progress. The plan includes elements like specifications, the work breakdown structure, schedules, budgets, and management plans.
11 Things Healthy People Do Every MorningEason Chan
It all starts at home. A great day begins with an amazing morning. With constant distractions and the daily pressure of responsibilities, it’s important to start your morning right to get your mind and body prepared for your daily routine. These 11 tips will bring out the best of your morning, day, week, and life. Shared by: http://www.familychiropractic.com.sg/
The aim of this list of programming languages is to include all notable programming languages in existence, both those in current use and ... Note: This page does not list esoteric programming languages. .... Computer programming portal ...
In our web 2.0 world, the business landscape has changed. Consumers refuse to be interrupted anymore - demanding that brands engage with them.
People do business with people they like, know, and trust. By utilizing the social media tools available to all of us, businesses can become human. By creating valuable content and engaging with customers where they are, businesses are creating real relationships, resulting in real trust.
This presentation offers a high-level overview to where we've been, where we are, and we're we are going in social media. It gives simple-to-follow steps to start implementing social media into a business. It's not comprehensive, but can help a business take that first step.
Content developed by Jon Thomas and M80 (m80im.com). Presentation designed by Jon Thomas at Presentation Advisors (www.presentationadvisors.com).
Goals: To discuss steps to prevent and to reduce the amount of unwanted junk mail in your mailbox
Based on FRM publications:
1. Junk Your Junk Mail, Guide G-107 http://aces.nmsu.edu/pubs/_g/G107/welcome.html
2. Reduce, Reuse, Recycle: Alternatives for Waste Management, Guide G-314 http://aces.nmsu.edu/pubs/_g/G314/welcome.html
Using data from Google Analytics, we looked into factors that are associated with page views among eXtension’s personal finance pages (www.extension.org/personal_finance). Specifically, we utilized Google Analytics data from April 2009 and available Page Analytics numbers (http://pageanalytics.extension.org/ and http://data.extension.org/) produced by eXtension data engineers in the personal finance or Financial Security for All (FSA) Community of Practice (CoP) areas. Top pages with the highest page views per month were selected to look for similar characteristics among these webpages. At the macro level, we will be exploring relevant statistics to our CoP such as search engine utilized, top search keywords, traffic sources, traffic referral, and mobile device access. We also looked into the tendency of page hits associated with the following factors: topic (tag) , average Google search entrances per week, and age of the article. Preliminary log-level regression results show that pages with high numbers of hits tend to have more tags, not a summary of academic research, and be related to managing money in tough times. We shared result implications and limitations based on the results of this study. Besides advanced researches, personal finance academicians need to write on simple and applicable topics, as evident from top search hits (birth certificate, FICA tax, and SMART goals) and less tendencies of research summary articles to get hit. The federal Financial Literacy and Education Commission (FLEC) core competencies provide targeted knowledge and action/behavior changes, which in themselves are guidelines for writing topics. Despite being a non-profit organization, eXtension can still take advantage of pro-business properties by having course enrollment and savings as conversion goals.
This document discusses various techniques for concurrency control, including:
1. Types of locks (shared/exclusive) and how they are represented and managed through lock tables and a lock manager.
2. Serializability of transactions can be achieved through two-phase locking protocols where transactions lock data in two exclusive phases - growing and shrinking.
3. Deadlocks can occur with two-phase locking and various techniques like deadlock prevention/detection and priority-based scheduling can help address starvation issues.
4. Timestamp-based ordering assigns timestamps to transactions and data items to enable conflict-serializable execution through timestamp validation on reads and writes.
Different Types of Social Media Channels - SysomosSysomos
This presentation takes a look at different types of social media and
the application of these platforms in business. It gives a summary of
all popular business uses of twitter, blogs, youtube, forums, facebook
and message boards. It breaks down how a company may want to use just
one medium or several different social media outlets. This also
showcases examples of industry related social media campaign
techniques.
For: PR, Marketing, Social Media Professionals, CMOs, CEOs, Management,
Research and analytics, etc..
This document discusses the 6 main types of social media: 1) social networks like Facebook and LinkedIn for connecting with others, 2) bookmarking sites like StumbleUpon for saving and sharing links, 3) social news sites like Reddit and Digg for sharing news articles and voting, 4) media sharing sites like YouTube and Flickr for uploading photos and videos, 5) microblogging sites like Twitter for sharing short updates, and 6) blogs, blog comments, and forums for information sharing and discussions. It provides tips for using each type of social media and encourages contacting Sprint Marketing for help with digital marketing planning.
This document discusses the history and types of plastic money. It begins by defining plastic money as credit or debit cards made of plastic that provide an alternative to cash payments. It then outlines five main types of plastic cards: cash/ATM cards, credit cards, debit cards, in-store cards, and prepaid cash cards. For each type, it describes how they work, examples, and merits and demerits for customers. The document also reviews several academic studies that have examined factors influencing plastic money usage, such as income, education, and urban vs rural locations. Finally, it provides a bibliography of additional resources on the topic of plastic money.
This document provides an introduction and overview for a course on programming in C++. It discusses the goals of the course, which are to teach programming principles and the C++ language. Students will learn essential concepts like variables, data types, functions, and arrays. They will write increasingly complex programs and develop good programming style. The course will be assessed through quizzes, exams, and class projects. Topics to be covered include variables, input/output, control flow, arrays, pointers, strings, and file I/O. Good programming practices like readability, simplicity, and avoiding reinventing solutions are emphasized.
The document defines social media as internet-powered platforms that allow individuals and groups to interact and engage in various social activities. It then describes four main types of social media: content-based social media which focuses on sharing content like blogs, videos and photos; interest-based social media where communities form around shared interests; personality-based social media which involves creating character profiles; and fantasy-based social media like virtual worlds inhabited by avatars.
The Ultimate Marketing Guide to SnapchatRoss Simmonds
In this Snapchat Marketing Guide, we're going to look at everything you need to get started with Snapchat along with some strategies and insights that will help you take your Snapchat marketing to the next level.
Snapchat was created by Evan Spiegel and Bobby Murphy, two Stanford University students. It allows users to take photos or videos and send them to friends, where they will disappear after a set time between 1 to 10 seconds. While initially aimed at teens and young adults, Snapchat has grown its user base to include more 40+ year olds. It continues developing new features such as adjustable drawing line thickness and swipe-style keyboard input.
The document discusses various electronic payment systems used for e-commerce transactions. It describes advantages and disadvantages of different systems including electronic cash, electronic wallets, smart cards, and credit cards. It provides details on how each system works, examples of implementations, and considerations regarding their adoption and success.
Transaction management and concurrency controlDhani Ahmad
The document discusses transaction management and concurrency control in database systems. It covers topics such as transactions and their properties, concurrency control methods like locking, time stamping and optimistic control, and database recovery management. The goal of these techniques is to coordinate simultaneous transaction execution while maintaining data consistency and integrity in multi-user database environments.
Transactions are units of program execution that access and update database items. A transaction must preserve database consistency. Concurrent transactions are allowed for increased throughput but can result in inconsistent views. Serializability ensures transactions appear to execute serially in some order. Conflict serializability compares transaction instruction orderings while view serializability compares transaction views. Concurrency control protocols enforce serializability without examining schedules after execution.
A credit card allows cardholders to pay for goods and services with the promise to pay later. It was invented in 1887 and the first credit cards emerged in the 1920s in the US. Key details include the card number structure, parties involved in transactions, and benefits to customers and merchants. Credit cards offer rewards but also risks like debt that debit cards do not. Merchants may pass on credit card transaction fees through higher prices for all customers. Different credit cards have varying interest rates, annual fees, rewards programs, and other features to consider.
11 Facts You Probably Didn't Know About PastaJodie Harper
Pasta has been a staple in the Canadian diet for generations, and you probably think you know all there is to know about pasta, right? Wrong! Here are 11 fun facts you probably didn't know about these delicious Italian noodles — including *spoiler alert* the fact that Italy wasn't even the first country where pasta was enjoyed. Shared by: http://rasacatering.sg/
Man eats to live and not that he lives in order to eat, thus food is considered one of the basic necessities of human beings. Though the choices and preferences differ, there are some common foods that are consumed in larger quantities than others all over the world. This is a ranking of the top ten most eaten foods in all the continents of the world.
Shared by: http://rasacatering.sg/
6 Questions to Lead You to a Social Media StrategyMark Schaefer
It can be intimidating and overwhelming to try to develop a social media strategy, but if you follow through on these six questions, your strategy will reveal itself.
The document discusses project planning and a project work plan. It describes the planning process, which involves devising a scheme to accomplish the business need for a project. The core planning processes include scope planning, activity definition and sequencing, schedule development, resource planning, cost estimating, and developing the project plan. Facilitating processes support the core processes and involve areas like quality planning, staff acquisition, communication planning, and risk identification. An effective project plan guides project execution, documents assumptions and decisions, facilitates communication, and provides a baseline for monitoring progress. The plan includes elements like specifications, the work breakdown structure, schedules, budgets, and management plans.
11 Things Healthy People Do Every MorningEason Chan
It all starts at home. A great day begins with an amazing morning. With constant distractions and the daily pressure of responsibilities, it’s important to start your morning right to get your mind and body prepared for your daily routine. These 11 tips will bring out the best of your morning, day, week, and life. Shared by: http://www.familychiropractic.com.sg/
The aim of this list of programming languages is to include all notable programming languages in existence, both those in current use and ... Note: This page does not list esoteric programming languages. .... Computer programming portal ...
In our web 2.0 world, the business landscape has changed. Consumers refuse to be interrupted anymore - demanding that brands engage with them.
People do business with people they like, know, and trust. By utilizing the social media tools available to all of us, businesses can become human. By creating valuable content and engaging with customers where they are, businesses are creating real relationships, resulting in real trust.
This presentation offers a high-level overview to where we've been, where we are, and we're we are going in social media. It gives simple-to-follow steps to start implementing social media into a business. It's not comprehensive, but can help a business take that first step.
Content developed by Jon Thomas and M80 (m80im.com). Presentation designed by Jon Thomas at Presentation Advisors (www.presentationadvisors.com).
Goals: To discuss steps to prevent and to reduce the amount of unwanted junk mail in your mailbox
Based on FRM publications:
1. Junk Your Junk Mail, Guide G-107 http://aces.nmsu.edu/pubs/_g/G107/welcome.html
2. Reduce, Reuse, Recycle: Alternatives for Waste Management, Guide G-314 http://aces.nmsu.edu/pubs/_g/G314/welcome.html
Using data from Google Analytics, we looked into factors that are associated with page views among eXtension’s personal finance pages (www.extension.org/personal_finance). Specifically, we utilized Google Analytics data from April 2009 and available Page Analytics numbers (http://pageanalytics.extension.org/ and http://data.extension.org/) produced by eXtension data engineers in the personal finance or Financial Security for All (FSA) Community of Practice (CoP) areas. Top pages with the highest page views per month were selected to look for similar characteristics among these webpages. At the macro level, we will be exploring relevant statistics to our CoP such as search engine utilized, top search keywords, traffic sources, traffic referral, and mobile device access. We also looked into the tendency of page hits associated with the following factors: topic (tag) , average Google search entrances per week, and age of the article. Preliminary log-level regression results show that pages with high numbers of hits tend to have more tags, not a summary of academic research, and be related to managing money in tough times. We shared result implications and limitations based on the results of this study. Besides advanced researches, personal finance academicians need to write on simple and applicable topics, as evident from top search hits (birth certificate, FICA tax, and SMART goals) and less tendencies of research summary articles to get hit. The federal Financial Literacy and Education Commission (FLEC) core competencies provide targeted knowledge and action/behavior changes, which in themselves are guidelines for writing topics. Despite being a non-profit organization, eXtension can still take advantage of pro-business properties by having course enrollment and savings as conversion goals.
The survey gathered responses from 724 individuals on important topics in personal finance. The top three most important topics for adults according to respondents were saving for retirement, paying off debt, and budgeting/tracking expenses. Regional differences emerged, with those in the Western US rating themselves more knowledgeable and reporting greater use of adult education and college courses. The survey provided a valuable dataset on information needs to help design effective personal finance programs.
The Prezi Presentation: http://prezi.com/hrbvl-co0qsn/?utm_campaign=share&utm_medium=copy
Small Steps to Health and Wealth™ encourages participants to make positive behavior changes to simultaneously improve their health and personal finances.
Using data from Google Analytics, we look into factors that are associated with article and Ask an Expert (AaE) page views. Specifically, we utilize Google Analytics data from April 2009 – April 2012 and available Page Analytics (http://pageanalytics.extension.org/) in the personal finance or Financial Security for All (FSA) Community of Practice (CoP) areas. Top 25 articles and AaE with the highest page views per month will be selected to look for similar characteristics among these webpages. At the macro level, we will be exploring relevant statistics to our CoP such as search engine utilized, top search keywords, traffic sources, traffic referral, and mobile device access. We will be also be looking into the tendency of page hits associated with the following factors: newsletter, curriculum, number of words, topic (tag) , average Google search entrances per week, age of the article, and its seasonal nature (month, quarter). We share result implications and limitations based on the results of this study.
New Mexico State University (NMSU) Employee Council in collaboration with NMSU Cooperative Extension Service is administering a survey to NMSU employees to determine the need for personal financial wellness education for NMSU employees and its ideal format. We expect NMSU to have high needs for employee financial education because New Mexico arguably has the worst personal finance education requirements for high school graduation. Available in Spanish, paper, and online versions, the survey is administered from September 19 to October 31, 2012. Based on results of 151 responses, 64% respondents considered themselves knowledgeable in personal finance topics, but 86% of them stated that they would benefit from learning more about personal finance. Areas of interests include traditional retirement plan (73%), alternative retirement plan (75%), estate planning (92%), retirement planning (91%), investment (88%), and increasing income (88%). About half of respondents (n=75) put down their e-mail address in willingness to participate in further surveys for workshop planning with eight of them reported of having expertise to present at least a personal finance topic. The survey indicates a high need for a personal finance education for NMSU employees and opportunities to get NMSU employees involved its program planning.
4-H Build a Million Club is a curriculum and website designed to educate middle and high school-aged youth on investing, budgeting, using credit cards, stocks and other aspects. of personal finance. The program combines guidance for club leaders with Web tools for youth.
https://learn.extension.org/conferences/nexc2012/events/700 Using data from Google Analytics, we looked into factors that are associated with article and Ask an Expert (AaE) page views. Specifically, we utilized Google Analytics data from April 2009 – April 2012 and available Page Analytics (http://pageanalytics.extension.org/) in the personal finance or Financial Security for All (FSA) Community of Practice (CoP) areas. We shared result implications and limitations based on the results of this study #nEXC2012
Youth are getting exposed to high‐tech devices such assmart phones and internet at earlier ages. While there are many benefits of these devices,they have opened up opportunities for others to negatively exploit users. This workshopwill educate educators and youth about these predatory activities, ways to avoid them, andwhat to do when you or others encounter them.
The document discusses America Saves Week 2012 in New Mexico. America Saves is a national campaign that helps individuals save money and build wealth rather than debt. America Saves Week involves state proclamations, media coverage, and financial education events to encourage saving. Individuals can sign up as savers on the America Saves website or through local campaigns. Savers receive newsletters, webinars, and saving tips. The presentation outlines how New Mexico can build on existing partnerships with banks, schools, and other groups to promote America Saves Week and encourage more residents to sign up as savers. Input from attendees is requested on potential participating organizations in New Mexico.
The document discusses America Saves Week 2012 and efforts to promote savings in New Mexico. America Saves is a national campaign launched in 2001 to help individuals save money and build wealth. America Saves Week includes activities like proclamations and financial education events to encourage savings. Individuals can sign up as savers on the America Saves website or through local campaigns. Savers receive newsletters and savings tips. The presentation outlines how New Mexico can build on existing partnerships with banks, credit unions, schools and other groups to promote America Saves Week and encourage more residents to save money. Input is requested on potential partner organizations in New Mexico.
This document analyzes the costs of canning 7 jars of pickles at home compared to purchasing commercially canned pickles. It calculates costs for equipment, jars/lids, ingredients, utilities, and labor. The total cost of home canned pickles is $14.20 or $2.03 per jar, compared to $2.50 per jar for store-bought. Disregarding labor, home canning may save half the cost of commercial products and provides environmental and health benefits.
This document describes the "Mi Propia Casa" or "Home of My Own" program. It is sponsored by New Mexico State University and the City of Las Cruces, and supported by the U.S. Department of Housing and Urban Development. The program provides information and resources to help people understand the home buying process, costs involved, and responsibilities of homeownership. It includes sections on managing finances, renting, deciding to buy, the buying process, home maintenance, and being a responsible homeowner. Materials are available on the program's website and include guides, worksheets, checklists, and a Spanish translation.
This document provides information on emergency preparedness at home. It outlines 4 steps: 1) Find out what disasters could happen locally and learn emergency plans and signals. 2) Create a disaster plan with your family, including evacuation plans and designating an out-of-area contact. 3) Put your plan into action by posting numbers, teaching children what to do, creating a supply kit, and ensuring safety features in your home. 4) Keep your plan current by practicing drills and replacing expired supplies.
Are county agents ready to adopt this social media tools for extension programs and marketing tools? NEAFCS Annual Conference Abuquerque, September 2011
This document describes a job preparation program for inmates being released from prison. The program consists of four two-hour sessions over five sections: goal setting, applications, resumes, interviews, and keeping a job. Based on surveys of past participants, 96% found the material very useful and within six months 85% were more aware of completing applications, over 40% actively searched for jobs using materials from the program, and 20% obtained employment. The program aims to help ex-inmates successfully transition back into the community through training on job seeking skills.
This document discusses internet use in 4-H activities. It covers using the internet as a tool for marketing and communication through various types of social media like content-based, personality-based, interest-based and fantasy-based social media marketing. It also discusses using the internet for training through platforms like Centra, iTunes, YouTube and Second Life. The document outlines some risks of internet use like invasion of privacy and exposure to inappropriate content and provides tips for safe internet use.
The document discusses achieving financial security in the current economic environment, referred to as the "new normal". It describes the "new normal" as a period of slow economic growth, low stock market returns, high unemployment, and declining asset values. It then provides an overview of basic personal finance principles like budgeting, setting SMART goals, investing for retirement, and diversifying investments. The document emphasizes starting to save and invest early in order to take advantage of compound interest over time.
Payment Instrument Utilization for Specific Transaction Types
1. New Mexico State University
Payment Instrument Utilization for
DISCUSSION
• Transaction-specific payments show
Specific Transaction Types different prevalence and trends than
overall use
- E.g.: While check use for the “use for any”
M. Fahzy Abdul-Rahman, Ph.D., M.P.H. Figure 2. House Payment Cash
transaction was consistent and very high, we
70% Check Figure 8. Apparel Cash
60% Credit
50%
Check found a decreasing trend of check use in almost
ABSTRACT 50% Debit 40% Credit all of the transactions studied.
Figure 1. Use for Any Transaction
Cash 40% Direct
30%
Debit • $ Price of transaction matter
Using Consumer Finance Monthly data from 2007 to 100% Check 30%
E-Bill Direct - Expensive: checks and credit cards
Other P 20% E-Bill
2010, we look into six payment methods 90% Credit Card 20% - Less expensive: cash
Others Other P
(cash, check, credit card, debit card, direct payment, e- 80% Debit Card 10% N/A
10%
Others
• “Not applicable” & “Other (Payment
bill) used for 16 different types of transaction in the 70% Direct Payment 0% Home Own 0% N/A Method)” categories increased
U.S., such as housing, grocery, dining, health, and car E-Bill 2007 2008 2009 2010 2007 2008 2009 2010 - Increased for housing, household
60%
expenses. Transaction-specific payment method usage Money Order Figure 3. Utilities Cash Figure 9. Personal Care Cash goods, dining, car payment, and entertainment
would give a better understanding of changes in 50% 70% 70%
Other, Listed Check Check - Due to economic crises
payment method use than those based on mere “Did 40% 60% 60%
Other, Unlisted Credit Credit - “Other (Unlisted)” category increased for housing
you use this payment method for any transaction?” 50% Debit 50%
30% N/A Debit payments, grocery, doctor and health
question. For instance, check usages in the last month 40% Direct 40%
20% Direct services, and medicine transactions
Smart Card 30% 30%
showed very high overall (i.e. use for any transaction) E-Bill E-Bill
• Debit and credit card use tended to be
10% Pay Day 20% 20%
use in all the four years compared but actually showed a Other P Other P
0% HELOC 10% Others 10% similar for many transactions
decreasing use trend when examined by specific Others
transactions. Homeowner 0% N/A 0% N/A • Increasing use of direct payments and e-bill
2007 2008 2009 2010
2007 2008 2009 2010 2007 2008 2009 2010
RESULTS Cash Figure 10. Car Payment Figure 14. Medicine Cash
Figure 4. Household Goods Cash 50% Check
40% 70%
Check Check
Table 1. Percent of Respondents Who Selected Certain Payment Methods for Certain Transactions, 2010 (n = 2,544) 35% 60% 40% Credit
Credit Credit
30% Debit
Debit 50% Debit
25% 30%
40% Direct
20% Direct Direct
Transaction (%) Credit Debit Direct Other, Other, Not E-Bill 30% E-Bill
20% E-Bill
Cash Check E-Bill 15%
Other P
card card payment Listed Unlisted applicable 10% Other P 20% Other P 10%
10% Others
5% Others Others
0% N/A
Use for any purpose 95.9 88.2 67.3 38.6 35.1 52.8 11.3 34.9 (N/A) 0% N/A 0% N/A
2007 2008 2009 2010
2007 2008 2009 2010 2007 2008 2009 2010
Figure 5. Grocery Cash Figure 11. Personal Care Cash Figure 15. Entertainment Cash
Mortgage, or rent 6.8 37.9 0.6 1.1 13.0 13.3 3.5 0.2 28.2 50% Check 50% Check
70%
Check
3.3 28.7 0.4 0.7 16.2 16.3 0.5 0.2 37.5 60%
Homeowner 40% Credit 40% Credit Credit
Debit Debit 50% Debit
Utilities 11.3 52.0 2.6 3.8 13.1 21.2 1.9 0.3 2.2 30% 30% Direct
Direct 40% Direct
HH furnishings and eq. 23.9 28.4 16.8 9.4 1.7 4.4 0.1 0.1 25.5 20% E-Bill 20%
E-Bill
30% E-Bill
Other P
Groceries 39.4 20.1 21.0 27.0 0.4 1.5 0.0 3.5 0.9 Other P Others 20% Other P
10% 10%
Dining out 45.9 6.0 26.2 21.8 0.2 0.3 0.0 0.4 11.8 Others N/A 10% Others
0% N/A 0% Gas 0%
Cig. & alcoholic beverage 28.8 4.1 13.3 11.8 0.3 0.2 0.1 0.5 47.2 N/A
2007 2008 2009 2010 2007 2008 2009 2010 2007 2008 2009 2010
Apparel 37.4 12.0 35.3 23.7 0.4 0.2 0.1 0.7 5.3 Figure 6. Dining Cash Figure 12. Car Repair Cash
60% 35% Figure 16. Taxes Cash
Personal Care 59.4 13.9 10.0 14.5 0.1 0.0 0.0 1.0 9.6 Check Check 60%
50% 30% Check
Car payment 4.9 14.4 1.1 2.0 8.2 7.7 0.6 0.5 63.6 Credit Credit
25% 50% Credit
40% Debit Debit
Gasoline 34.1 6.7 31.4 24.2 0.6 0.5 0.0 0.3 8.5 Direct 20% Direct
40% Debit
30% Direct
Car repair, services 28.1 21.2 28.4 16.4 0.5 0.2 0.0 1.1 14.3 E-Bill 15% E-Bill 30%
20% 10% E-Bill
Medical services 21.1 32.6 16.6 13.7 1.2 1.4 0.2 25.3 5.4 Other P Other P 20%
10% Other P
Others 5% Others 10%
Medicine 36.4 15.9 22.3 20.8 0.3 0.3 0.0 11.1 5.9 0% N/A 0% N/A
Others
0% N/A
Entertainment 50.3 5.2 17.5 16.8 0.1 0.7 0.0 0.9 18.2 2007 2008 2009 2010 2007 2008 2009 2010
2007 2008 2009 2010
Income and property tax 12.7 49.2 2.1 3.7 7.5 4.7 0.3 6.5 19.6 Figure 13. Doctor &
Figure 7. Cigarettes and Figure 17. Insurance
Insurance premiums 13.0 48.5 5.0 4.7 16.4 8.9 1.5 2.0 7.2 Health Services Cash
Alcoholic Beverages Cash 60%
Check
11.6 9.2 37.0 15.0 34.6 25.5 7.6 1.1 (N/A) 50%
Use for any other purpose Cash Check 50% Credit
50% Credit
Check 40% 40% Debit
40% Credit Debit Direct
30% 30%
Debit Direct E-Bill
30% 20%
Direct 20% E-Bill Other P
20% E-Bill Other P 10% Others
10%
Other P Others 0%
10% N/A
Others 0% N/A
2007 2008 2009 2010
0% N/A 2007 2008 2009 2010
2007 2008 2009 2010