The document discusses the "Sandwich Generation" which refers to adults who are supporting both children and aging parents. Key points include:
- 44% of 45-55 year olds have at least one living parent and child under 21, placing them in the Sandwich Generation.
- On average, Sandwich Generation members provide $10,000 per year and 1,350 hours per year in support to parents and children.
- It is important for Sandwich Generation members to have conversations with parents about their financial situation and long term care needs to help prepare for medical expenses.
Join us as Griswold’s Chris Kelly, M. Ed & Director of Learning & Development, offers a more holistic perspective on the Sandwich Generation – those that care for their parents as well as their own children. Also discussed are issues facing the three generations involved, and practical strategies and tools for planning and transitioning during this time.
Although symptoms can vary widely, the first problem many people notice is forgetfulness severe enough to affect their ability to function at home or at work or to enjoy lifelong hobbies.
Real Data for Real Action on Child Labour DayNeeti Daftari
This is an infographic from The Aangan Trust using its own data collected from its mobile app. The study throws light on child labour in hotspots across India for Child Labour Day
Join us as Griswold’s Chris Kelly, M. Ed & Director of Learning & Development, offers a more holistic perspective on the Sandwich Generation – those that care for their parents as well as their own children. Also discussed are issues facing the three generations involved, and practical strategies and tools for planning and transitioning during this time.
Although symptoms can vary widely, the first problem many people notice is forgetfulness severe enough to affect their ability to function at home or at work or to enjoy lifelong hobbies.
Real Data for Real Action on Child Labour DayNeeti Daftari
This is an infographic from The Aangan Trust using its own data collected from its mobile app. The study throws light on child labour in hotspots across India for Child Labour Day
Financial literacy is a magic bullet to social justiceAlpesh Patel
The data shows that women and ethnic minorities are paid less, are broadly less well off financially, and are also less financially literate. Relative financial illiteracy compounds social and structural biases and historical hardships. This implies financial literacy is even more important than we may have realised for social justice and social mobility.
Learning and Development: Preventing Generational Poverty | Economic opportun...angela_silveira
The persistence of poverty in America and the dramatic increase of economic inequality in recent decades have garnered growing public awareness. Isn't the United States at least a land of economic opportunity, in which those who start lower on the economic ladder have a reasonable expectation that they, or their children, might advance into the middle class? Or are we at risk of being a caste society, in which multiple generations are trapped in a cycle of relative deprivation, while others inherit the security of a “gilded” lifestyle?
Important recent research by social scientists has shown that intergenerational economic mobility in the United States is low compared with many other wealthy countries, and that opportunity is unevenly distributed across the country. In this presentation, Professor Sundstrom will summarize some of these findings, including what they have to say about opportunity in the Silicon Valley region. He will provide an overview of the potential causes of intergenerational persistence in income status, and the implications for community and policy strategies for increasing opportunity.
Financial advisors guide to senior livingBrad Breeding
Developed by My LifeSite, this guide provides financial advisors and other professionals with a high-level overview of the various types of senior living providers, as well as the key considerations one should take into account when deciding whether to stay at home or move to a retirement community.
Financial literacy is a magic bullet to social justiceAlpesh Patel
The data shows that women and ethnic minorities are paid less, are broadly less well off financially, and are also less financially literate. Relative financial illiteracy compounds social and structural biases and historical hardships. This implies financial literacy is even more important than we may have realised for social justice and social mobility.
Learning and Development: Preventing Generational Poverty | Economic opportun...angela_silveira
The persistence of poverty in America and the dramatic increase of economic inequality in recent decades have garnered growing public awareness. Isn't the United States at least a land of economic opportunity, in which those who start lower on the economic ladder have a reasonable expectation that they, or their children, might advance into the middle class? Or are we at risk of being a caste society, in which multiple generations are trapped in a cycle of relative deprivation, while others inherit the security of a “gilded” lifestyle?
Important recent research by social scientists has shown that intergenerational economic mobility in the United States is low compared with many other wealthy countries, and that opportunity is unevenly distributed across the country. In this presentation, Professor Sundstrom will summarize some of these findings, including what they have to say about opportunity in the Silicon Valley region. He will provide an overview of the potential causes of intergenerational persistence in income status, and the implications for community and policy strategies for increasing opportunity.
Financial advisors guide to senior livingBrad Breeding
Developed by My LifeSite, this guide provides financial advisors and other professionals with a high-level overview of the various types of senior living providers, as well as the key considerations one should take into account when deciding whether to stay at home or move to a retirement community.
Estate Planning for Families with Special Needsmilfamln
Planning for the future is something everyone should devote substantial time and thought to but especially families with special needs. This session will explore the importance of this type of planning and decision-making. We will explore estate planning considerations across the life cycle for families with special needs. We will also discuss documents such as powers of attorney and trusts, including a revocable living trust and a special needs trust. Lastly, we will look at considerations for needs-based public benefits such as Supplemental Security Income (SSI) or Medicaid.
As people grow older, their requirements may change. Here's a brief document that provides insights on th household options available for older Individuals
Are you ready to take care of an aging Parents?? Many of us are faced with these challenges in our life and have no Idea about the ramifications on your life. It is a great to discuss ideas with your parents and family members about a strong network plan for the possibilities.
Nearly 80 percent of the deposits in local savings banks are owned by those over age 55.
By partnering with experienced eldercare professionals, a bank can build closer relationships with these maturing multi-generational families (aging baby boomers and seniors).
Banks who pay attention to these critical customer segments will not only preserve their customer base but will see a substantial increase in attractive new depositors resulting in improved profitability.
aking care of your aging parents is something you hope you'll never need to do. It means helping them prepare for the future, which could be frustrating, physically, emotionally and financially. Should the need arise, there are two things you can be certain of: Your parents need you, and you need help.
SPRINGHILL GROUP: Cost and Coverage of Home CareKatara Kumar
Nursing home is a home combined with skilled nursing care, rehabilitative care, medical services, personal care, and recreation in a supervised and environment. Letting your love ones stay in the nursing home may be hardest decision but choosing the right home will be next hardest. Entering the nursing home doesn’t mean that the family involvement ends, instead it is their responsibility to make sure that the home care provides good care.
Protect Your Parents- Avoiding Scams that Target the ElderlyGlass Jacobson
Eric Trautman, Head of Security for Oakcrest Retirement Community shares his insights- common scams and frauds he has seen, tips for recognizing them, ways to avoid them, and what to do if you are a victim.
We look closely at the fourth quarter of 2011. We reflect that anxiety over recent market developments is completely understandable, and it is quite human to feel concerned about events in Europe. But amid all the bad news, it is also clear that the world is changing in positive ways that provide plenty of cause for hope and, at the very least, gratitude for what we already have.
The Season for Compliance is upon. The Office of the Inspector General has mandated elder care facilities institute this 7 part compliance program. Are you ready?
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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 to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
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.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
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
3. What is the “Sandwich”
Generation?
The Sandwich generation refers to those
who support children (at any age) and at the
same time support or care for parents.
Because most of us are responsible adults, we don’t run
away from caring for our parents or children when they are
in need.
4. Support Means Different Things to
Different People
Children or parents residing with you
Non-residential financial support
Supporting children who are in
college by paying tuition bills
Assisting children with purchasing a
home or renting an apartment
5. Or Support Could Mean…
Assisting with the care of grandchildren so
your children can work
Assisting aging parents with
personal care or errands
Assisting aging parents
financially with living
expenses
6. What’s All the Fuss About?
Demographic trends have led to increased
attention to the Generation in recent years:
• Increased life expectancies- more middle
aged people have living parents
• Birth rates are lower- parents have fewer
children to share the burden
• Adult children are more likely to live further
away from parents, complicating the
situation
7. By the Numbers
An AARP report found that 44% of 45-55
year olds had both at least one living parent
and one child under the age of 21.
8. By the Numbers
The Bureau of Labor Statistics found that
1/3 of women could be defined as belonging
to the Sandwich Generation.
Statistics from the Monthly Labor Review 9/2006
9. By the Numbers
• Financial assistance given on average:
– $10,000 a year
• Time spent on average:
– 1,350 hours per year
• They are responsible for $18 billion dollars
in intra-family transfers.
• They give 2.4 billion hours of time.
Statistics from the Monthly Labor Review 9/2006
10. So How Can We Prepare for the
Inevitable?
It may be a tough conversation, but talk to
your parents about their financial
situation. Financial problems can go
undetected for years.
Be tuned in to their saving/spending habits.
Familiarize yourself with their insurance
coverage. Have any of their policies lapsed?
Help your parents do an insurance policy check-
up.
11. What steps have they taken to
prepare for possible medical care
needs?
Do they have long-term care insurance?
– What are their options at this stage?
– Traditional long term care policies versus
“hybrid” life/long term care policies
12. What steps have they taken to
prepare for possible medical care
needs?
Are your parents resistant to long-term
care insurance?
» It may be in your best interest to buy LTC
insurance for them.
13. Taking Action
• Long term care insurance premiums are
rising
• Some insurance companies have left the
LTC market
• Government support is uncertain
