Saving Your Future by Xuan Nguyen. Presentation built by Darin Weidauer, 424-400-4056, darinweidauer@ecos.care, www.darinweidauer.com. Become an Independent Agent in the Financial Industry.
The document summarizes the first meeting of the Undergraduate Economics Association at Boston University. It announces upcoming events like an economics talk, writing workshops, and article competitions. It also lists opportunities for sales and field programs. The mission of the association is to develop students' interests in economics through social, academic and professional means. Students are encouraged to get involved by writing articles, attending workshops and events.
NUS-ISS Learning Day 2019- Risk Analytics in Banking: Past, Present and (a bi...NUS-ISS
Risk management in banking has evolved over the past century due to ideas, technology, and regulation. Analytical techniques are now used throughout the customer lifecycle to assess various risks like credit, market, and operational risk. Models help with tasks like calculating the probability of default, exposure at default, and loss given default. Analytics are also used for monitoring portfolios, performing stress tests and simulations, segmenting customers, and optimizing risk strategies. Emerging areas include using chatbots, biometrics, and regulatory technology to further improve risk management practices.
The document provides information about the BC Aware Campaign, an annual cybersecurity and privacy awareness initiative in British Columbia. It summarizes the goals and history of the campaign, which began in 2014 in response to growing cybersecurity threats and a lack of understanding around information security concepts. The campaign aims to educate both professionals and citizens through various events organized by ISACA Vancouver and other participating organizations. The bulk of the document consists of an agenda and session descriptions for the 2016 BC Aware Day event, which features over 20 presentations, panels and discussions on topics related to cybersecurity, privacy, risk management and compliance.
This document provides an overview of the OneCoin opportunity, including 5 reasons to join (leadership, timing, industry funding/growth, compensation plan, and market share). It discusses digital currency trends and billion-dollar businesses accepting cryptocurrency. The OneCoin promise is outlined as providing education on digital currencies and a simple 3-step business introduction system. An automated marketing and duplication system called "ADC" is described. Potential earnings are shown ranging from $6,000 to $80,000 with disclaimers about income guarantees.
This document provides an overview of the OneCoin cryptocurrency and business opportunity. It summarizes the key aspects of OneCoin including its promise to provide education on digital currencies and access to currencies to create wealth. It describes the simple 7-hour wealth system focused on automation, duplication, and creation. The system is said to have presentations, lead generation, and a focus on quality of life results. The document also discusses attributes that determine a currency's value such as perception, transparency, accessibility, and culture. Finally, it suggests reasons why OneCoin in particular may be desirable now such as a desire for communication, value, and freedom.
Dave McClure is the founding partner and chief troublemaker of 500 Startups, a global seed fund and startup platform. The document provides biographical details about McClure's background and career, which spans from being an entrepreneur and developer in the 1980s and 1990s to becoming an investor and venture capitalist through funds like Founders Fund and 500 Startups. It also summarizes 500 Startups' strategy of making many small, early-stage investments in startups across different countries and industries in hopes that some will achieve significant growth and success.
Here are the answers to the quiz about millennials and the economy:
$1 trillion in student debt. [Bloomberg]
$45 000 in debt. [PNC Financial Services]
Unemployment rate of 16.3% [Generation Opportunity]
40% of Millennials [American Psychological Association]
Just 6 in 10 Millennials have jobs, half are part-time [Harvard University]
284,000 American college graduates working in minimum-wage jobs in 2012. [Wall Street Journal]
48% of employed college graduates work in these jobs [ Center for College Affordability and Productivity]
50% do not believe that Social Security will exist (retirement age). [i
Ideas to take the Puerto Rico VC Industry (or any country for that matter) to the next level. Policies, ecosystem development, think globally, liquidity and trust.
The document summarizes the first meeting of the Undergraduate Economics Association at Boston University. It announces upcoming events like an economics talk, writing workshops, and article competitions. It also lists opportunities for sales and field programs. The mission of the association is to develop students' interests in economics through social, academic and professional means. Students are encouraged to get involved by writing articles, attending workshops and events.
NUS-ISS Learning Day 2019- Risk Analytics in Banking: Past, Present and (a bi...NUS-ISS
Risk management in banking has evolved over the past century due to ideas, technology, and regulation. Analytical techniques are now used throughout the customer lifecycle to assess various risks like credit, market, and operational risk. Models help with tasks like calculating the probability of default, exposure at default, and loss given default. Analytics are also used for monitoring portfolios, performing stress tests and simulations, segmenting customers, and optimizing risk strategies. Emerging areas include using chatbots, biometrics, and regulatory technology to further improve risk management practices.
The document provides information about the BC Aware Campaign, an annual cybersecurity and privacy awareness initiative in British Columbia. It summarizes the goals and history of the campaign, which began in 2014 in response to growing cybersecurity threats and a lack of understanding around information security concepts. The campaign aims to educate both professionals and citizens through various events organized by ISACA Vancouver and other participating organizations. The bulk of the document consists of an agenda and session descriptions for the 2016 BC Aware Day event, which features over 20 presentations, panels and discussions on topics related to cybersecurity, privacy, risk management and compliance.
This document provides an overview of the OneCoin opportunity, including 5 reasons to join (leadership, timing, industry funding/growth, compensation plan, and market share). It discusses digital currency trends and billion-dollar businesses accepting cryptocurrency. The OneCoin promise is outlined as providing education on digital currencies and a simple 3-step business introduction system. An automated marketing and duplication system called "ADC" is described. Potential earnings are shown ranging from $6,000 to $80,000 with disclaimers about income guarantees.
This document provides an overview of the OneCoin cryptocurrency and business opportunity. It summarizes the key aspects of OneCoin including its promise to provide education on digital currencies and access to currencies to create wealth. It describes the simple 7-hour wealth system focused on automation, duplication, and creation. The system is said to have presentations, lead generation, and a focus on quality of life results. The document also discusses attributes that determine a currency's value such as perception, transparency, accessibility, and culture. Finally, it suggests reasons why OneCoin in particular may be desirable now such as a desire for communication, value, and freedom.
Dave McClure is the founding partner and chief troublemaker of 500 Startups, a global seed fund and startup platform. The document provides biographical details about McClure's background and career, which spans from being an entrepreneur and developer in the 1980s and 1990s to becoming an investor and venture capitalist through funds like Founders Fund and 500 Startups. It also summarizes 500 Startups' strategy of making many small, early-stage investments in startups across different countries and industries in hopes that some will achieve significant growth and success.
Here are the answers to the quiz about millennials and the economy:
$1 trillion in student debt. [Bloomberg]
$45 000 in debt. [PNC Financial Services]
Unemployment rate of 16.3% [Generation Opportunity]
40% of Millennials [American Psychological Association]
Just 6 in 10 Millennials have jobs, half are part-time [Harvard University]
284,000 American college graduates working in minimum-wage jobs in 2012. [Wall Street Journal]
48% of employed college graduates work in these jobs [ Center for College Affordability and Productivity]
50% do not believe that Social Security will exist (retirement age). [i
Ideas to take the Puerto Rico VC Industry (or any country for that matter) to the next level. Policies, ecosystem development, think globally, liquidity and trust.
Dave McClure, a founding partner at 500 Startups, gave a presentation on technology trends in 2017. He discussed how startups have become cheaper, faster, and better. He also talked about how VCs are making lots of small bets through many new, small funds. McClure highlighted several investment areas including fintech, AI, AR/VR, blockchain, and other new technologies. He emphasized 500 Startups' strategy of making many small investments to find the next big winners.
Part 7 switzerland - forum nexus finance class summer 2011Brian David Butler
The document discusses international finance concepts including the "pyramid of promises", fixed vs. flexible exchange rates, and the size of the global financial system. It notes that the modern financial system represents a pyramid of promises totaling $140 trillion in 2005, with the US holding $52 trillion in promises. It describes how exchange rate systems have historically shifted between fixed and flexible regimes and explains some of the tradeoffs between the two approaches.
Indian indigeneous economics lokmanthan 2016Varadraj Bapat
This document discusses the key points of Indian indigenous economics compared to Western economic models like capitalism and communism. It provides an overview of the Indian and US economies, including GDP, inflation rates, and foreign reserves. It then contrasts Western economic thoughts like capitalism and consumerism with Bharatiya/Indian concepts. Some of the strengths of the Indian economic model highlighted include demographic dividend, family values, social capital, and sustainable thinking. Gold accumulation by Indian families is also discussed. Charts on household debt, savings rates, and historical world GDP shares are included.
Building Startup Ecosystems (Denver, Sept 2014)Dave McClure
This document summarizes Dave McClure's talk on changes in venture capital and building startup ecosystems. It discusses how technology startups have become more efficient through lean startup methods and online platforms, requiring less funding. It also outlines McClure's model of "quantitative venture capital", making many small investments across different startup stages from product validation to growth. Finally, it examines factors needed to build strong startup ecosystems and the potential for micro venture capital and global entrepreneurship.
The document is about the Wisconsin Home Ownership Conference held on May 7-8, 2013 at the Kalahari Hotel and Convention Center in Wisconsin Dells. The two-day conference featured informative sessions on expanding home ownership in Wisconsin, with keynote speaker and Olympic skier Cary Mullen. Sessions covered topics like underwriting, WHEDA programs, regulatory compliance, and assistance programs to help make home ownership more affordable. The conference was organized by WHEDA and aimed to provide attendees with industry insights.
Silicon Valley 2010- Changes in the Circles of Influence from Prof Tom KosnikInCub3
This document provides an overview and summary of changes in Silicon Valley from 2000 to 2010 based on a presentation by Tom Kosnik and Lena Ramfelt. It discusses the major players and stakeholders in Silicon Valley, how they have changed over time, trends in areas like venture capital funding, the rise of incubators and accelerators, and how entrepreneurs have adapted to challenges.
Silicon Valley has a long history of innovation dating back to the 1940s with the invention of the transistor at Bell Labs. It grew with the founding of tech companies like Hewlett-Packard, Fairchild Semiconductor, and others in the 1950s. The ecosystem that supports innovation includes access to capital, a highly skilled workforce, entrepreneurship, and a culture that encourages risk-taking and new ideas. While Silicon Valley faces challenges like high costs of living and global outsourcing, it continues to drive new waves of innovation in fields like internet technologies, clean energy, and more.
This document summarizes a workshop on understanding labour market trends. The workshop covers macroeconomic trends like globalization and the rise of BRIC countries, meso-level changes in organizations and jobs, and developing micro-level skills to stay employable. Speakers discuss evolving job titles, the multi-generational workforce, and strategies for individuals to work and prosper in changing times.
Building Startup Ecosystems (Seoul, Oct 2014)Dave McClure
This document summarizes Dave McClure's talk on changes in tech startups, venture capital, and building startup ecosystems. Some key points include:
- Startups now require less capital, have faster development cycles, and can reach more customers through online platforms.
- A "Lean VC" approach involves making many small bets across early-stage startups using incremental funding.
- Critical factors for strong startup ecosystems include education, mentors, capital access, universities, and infrastructure to support companies from early ideas through growth.
- McClure argues that 500 venture capital funds globally could support 10,000 seed-stage startups per year through this Lean VC approach of making many small bets.
Building Startup Ecosystems & The Rise of Micro-VCsDave McClure
This document discusses the rise of micro-VC funds and changes in startups and venture capital. It notes that startups now require less capital to develop products and reach customers due to reduced costs and access to online platforms. Micro-VC funds of under $100 million make many small investments in early-stage startups. The document advocates a "lean VC" approach of incremental funding as startups achieve milestones like product validation, market validation, and revenue validation. It argues this global trend could support over 10,000 startups per year being funded.
Case study Analysis and Presentation -ICICI LombardPurvi Jain
ICICI Lombard GIC Ltd is a joint venture between ICICI Bank and Fairfax Financial Holdings. It deals in personal and business insurance products. The document discusses ICICI Lombard's management structure, SWOT analysis, role of insurance in the economy and society, products offered, distribution channels, use of MIS, and potential for growth in the Indian insurance sector.
What is Islamic Microfinance? Making it a Sustainable RealityDinarStandard
Rafi-uddin Shikoh (CEO, Dinar Standard) presentation on Islamic microfinance for Ethica Institute Webinar. Topics covered:
- Global micro-finance landscape, social impact, and short comings today
- Social needs for micro-finance in Muslim majority countries
- Islamic micro-finance landscape: Key players and success stories
- Islamic micro-finance core models and structures
Onecoin claims to be creating the world's first reserve cryptocurrency. It has over 1.8 million members in 245 countries who have collectively mined over 1.5 billion euros worth of coins. The document promotes Onecoin by claiming it meets the "Seven Tests" to become a reserve currency through having a large coin supply, global usage, education programs, and security. However, it is criticized for being a potential scam and failing to meet standards like Bitcoin in terms of user base and merchant acceptance. The opportunity described is to join Onecoin's educational programs and private mining pool.
Propel Arizona - Crowdfunding Short Workshop for Local First ArizonaCJ Cornell
Crowdfunding allows entrepreneurs to solicit small amounts of money from a large number of people through the internet. Currently, most crowdfunding takes the form of rewards-based or donation crowdfunding on sites like Kickstarter. Equity crowdfunding, which allows investors to receive equity in exchange for funding, has been enabled by law in the US but has not yet been implemented pending SEC rulemaking. Successful crowdfunding campaigns tell compelling stories, offer unique rewards to funders, and engage in ongoing social media updates and conversations to build communities of support. Crowdfunding has the potential to help spur entrepreneurship, but local ecosystems of incubators, mentors and a supportive community may
Propel Arizona - Crowdfunding Short Workshop for Local First ArizonaPropel Arizona
Crowdfunding allows entrepreneurs to solicit and collect small amounts of money from a large number of people through the internet. There are different types of crowdfunding including rewards-based crowdfunding, where donors receive perks or rewards, and equity crowdfunding, where donors receive equity or shares in the company. Rewards-based crowdfunding has seen success through sites like Kickstarter, while equity crowdfunding is still developing regulations in the US. Successful crowdfunding campaigns tell compelling stories, offer unique rewards, and engage supporters through social media and updates.
Building Startup Ecosystems (Cairo, Oct 2014)Dave McClure
The document discusses changes in venture capital and building startup ecosystems globally. It notes that technology startups now require less capital to develop products and reach customers due to reduced infrastructure costs and access to online platforms. Venture capital has also evolved, with more "lean" or quantitative approaches involving many small bets on early-stage startups. Critical factors for building startup ecosystems include education, mentoring, capital access, and distribution platforms. The speaker argues there is large potential for funding startups globally, not just in major tech hubs, given the availability of skilled entrepreneurs and growing markets worldwide.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
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Dave McClure, a founding partner at 500 Startups, gave a presentation on technology trends in 2017. He discussed how startups have become cheaper, faster, and better. He also talked about how VCs are making lots of small bets through many new, small funds. McClure highlighted several investment areas including fintech, AI, AR/VR, blockchain, and other new technologies. He emphasized 500 Startups' strategy of making many small investments to find the next big winners.
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This document discusses the key points of Indian indigenous economics compared to Western economic models like capitalism and communism. It provides an overview of the Indian and US economies, including GDP, inflation rates, and foreign reserves. It then contrasts Western economic thoughts like capitalism and consumerism with Bharatiya/Indian concepts. Some of the strengths of the Indian economic model highlighted include demographic dividend, family values, social capital, and sustainable thinking. Gold accumulation by Indian families is also discussed. Charts on household debt, savings rates, and historical world GDP shares are included.
Building Startup Ecosystems (Denver, Sept 2014)Dave McClure
This document summarizes Dave McClure's talk on changes in venture capital and building startup ecosystems. It discusses how technology startups have become more efficient through lean startup methods and online platforms, requiring less funding. It also outlines McClure's model of "quantitative venture capital", making many small investments across different startup stages from product validation to growth. Finally, it examines factors needed to build strong startup ecosystems and the potential for micro venture capital and global entrepreneurship.
The document is about the Wisconsin Home Ownership Conference held on May 7-8, 2013 at the Kalahari Hotel and Convention Center in Wisconsin Dells. The two-day conference featured informative sessions on expanding home ownership in Wisconsin, with keynote speaker and Olympic skier Cary Mullen. Sessions covered topics like underwriting, WHEDA programs, regulatory compliance, and assistance programs to help make home ownership more affordable. The conference was organized by WHEDA and aimed to provide attendees with industry insights.
Silicon Valley 2010- Changes in the Circles of Influence from Prof Tom KosnikInCub3
This document provides an overview and summary of changes in Silicon Valley from 2000 to 2010 based on a presentation by Tom Kosnik and Lena Ramfelt. It discusses the major players and stakeholders in Silicon Valley, how they have changed over time, trends in areas like venture capital funding, the rise of incubators and accelerators, and how entrepreneurs have adapted to challenges.
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This document summarizes a workshop on understanding labour market trends. The workshop covers macroeconomic trends like globalization and the rise of BRIC countries, meso-level changes in organizations and jobs, and developing micro-level skills to stay employable. Speakers discuss evolving job titles, the multi-generational workforce, and strategies for individuals to work and prosper in changing times.
Building Startup Ecosystems (Seoul, Oct 2014)Dave McClure
This document summarizes Dave McClure's talk on changes in tech startups, venture capital, and building startup ecosystems. Some key points include:
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- A "Lean VC" approach involves making many small bets across early-stage startups using incremental funding.
- Critical factors for strong startup ecosystems include education, mentors, capital access, universities, and infrastructure to support companies from early ideas through growth.
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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.
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Saving your future introduction by darin weidauer 424 400-4056 darinweidauer@ecos.care
1. Saving
Your
Future
Basic Principles of Building a Financial Foundation
Presenter
Darin Weidauer
424-400-4056
darinweidauer@ecos.care
Reference
Xuan Nguyen, World System Builder. (2015). Saving Your Future: Basic Principles of Building a Financial Foundation. XPress WSB(World
System Builder), Inc. (2015).
Introduction
2. Saving Your Future
• Series Introduction
Introduction
The New World
The New Awakening
Self Security
*http://abclifeliteracy.ca/mm/financial-literacy-facts
**http://www.creditcards.com/credit-card-news/consumer-financial-literacy-survey-1276.php
3. Series
Introduction
• The Saving Your Future learning series
• Financial Foundation
• The X-Curve
• Insurance
• Investment
• Retirement
• Other Solutions
• Conclusion
4. The New World Turbulence…
The unknown
Y2K
Dot Com
down fall of
March 2000
September
11, 2001
Terror Attack
2008
Financial
Crisis
*http://www.pewsocialtrends.org/2014/03/07/millennials-in-adulthood/sdt-next-america-03-07-2014-0-06
5. The New World
What we know…
76 Million
Baby
Boomers
• Born 1946-1964
• 10,000 turn 65
every day
Generation
X
• Born 1965-1980
• Middle-aged
Adults
• Sandwich
Generation
Millennials
• Born after 1980
• Technology
• Global
6. Looking Back
Prior to 1980
• Comfortable Lives
• Go to College…
• Get a good education
• Get a good career
• Join the Union
• Retire
• Receive a Pension
• Relied on their Company
• Relied on the Government
7. Looking
Forward
Since to 1980
• Money becomes accessible to everyone
• Loans
• Credit Cards
• Consumer Debt
• Debt Becomes the Norm
8. Self Security
• Personal Savings
• 78% of U.S. Workers live paycheck to paycheck
• 10% with income over $100,000 live paycheck to paycheck
• More than 25% of those working do not save
• 75% of workers are in DEBT
• 50% of these workers believe they will always be in DEBT
• Company Pensions
• Gone are the Good Old Days
• 401K
• Government Programs
• Social Security
• 1940s
• 40 to 1
• Present
• 3 to 1
• Self Security
• DO NOT BECOME DEPENDENT
• Take Charge
• Make Money – Save Money – Grow Money – Protect Money
http://press.careerbuilder.com/2017-08-24-Living-Paycheck-to-Paycheck-is-a-Way-of-Life-for-Majority-of-U-S-Workers-According-to-New-CareerBuilder-Survey
http://mercatus.org/publication/how-many-workers-support-one-social-security-retiree
According to recent surveys, North Americans are facing serious financial challenges.
In Canada:
35% of Canadians do not have any savings or investments.
Only 27% of private sector workers have an employer-funded pension plan.
The average savings in Registered Retirement Savings Plans (RRSP) is only $55,000.
The U.S. picture is even gloomier.
33%, or more than 77 million, of Americans don’t pay their bills on time.
39% carry credit card debt from month to month.
Only 59% of adults say they have savings.*
Worse, more than half now think it’s acceptable to default on their mortgage if they can’t afford to pay it.
Most of us don’t wait to become a statistic to know that we’re in trouble. These problems are all around us. They happen to our own family and our friends’ families.
It’s ironic that we live in one of the wealthiest countries in the world, but we always have money problems. We can work hard all our lives but retire poor. We do so much to raise our kids just to see them finish college with a lot of debt. Debt becomes a way of life.
We don’t have much, and we don’t know much. Nobody teaches us how to manage our money in school. Financial issues are not often discussed, and financial products not always explained. Most people have trouble balancing their own checkbook and reading a financial statement. We use credit cards every day and don’t always understand all the hidden charges. We buy insurance policies and stick them in a file cabinet. We contribute to our 401k or RRSP and hope someone will
take care of it. We all want to have a comfortable retirement, but few have a plan. We may be active spenders but passive savers.
It’s possible that we don’t know what we don’t know. Even though the financial industry is one of the largest industries in the world, and even though we are flooded with financial news, channels, and websites, financial literacy is as murky as ever.
There is a jungle of complex rules, regulations, and guidelines for the thousands of stocks, bonds, funds, savings plans, credit cards, and loans out there.
We need to change, and the task won’t be easy. But we need understanding first. The old days of passive dependence have to end. A new era of proactivism and financial freedom must begin.
For this book, we want to explain finance as how a friend would talk to another friend. We want to make it simple enough, using common language for common people. We don’t intend to get into a lot of detail but are more focused on the fundamentals of how money works. We try to use simple examples and common assumptions.
The best we can hope for is to get your attention and interest into financial matters and for you to obtain some basics of how money works. It’s the first step toward your financial future. Like many of us, once you enter the gate of financial knowledge, you’ll discover that it’s doable to understand, plan, and build a financial foundation for your family.
Remember: There is nobody more interested in your financial future than you are, definitely not the government or your employer. It’s your responsibility to learn the simple rules of how money works. Understanding how money works is part of taking care of your family. You can do it. You can control your future.
Darin Weidauer
424-400-4056
darinweidauer@ecos.care
www.darinweidauer.com
Turbulence marked the new millennium.
As the last hours counted down to the year 2000, the fear of the
Y2K computer bug threatened to wreck world order into cyber chaos.
By mid-March of that year, the dot.com bubble burst, sending the stock market into freefall.
One year later, the September 11th tragedy ushered in a new reality of uncertainty and insecurity.
Then in 2008 the world experienced another financial crisis. The U.S. economy dragged under the Great Recession.
The first decade of the new millennium was a lost decade for
so many families. They suffered huge losses in home values, savings, retirement accounts, and worst of all their employment. A massive number of people went into bankruptcy and foreclosure. Millions gave up hope looking for work.
While these turbulent times may have been more pronounced in
the U.S. than in Canada, average Canadians were not immune to the
impact of declining markets and a less certain future.
Although the U.S. economy is now recovering, the aftermath carries on.
Today, there are 76 million Baby Boomers, people born between
1946 to 1964. Every day, 10,000 of them turn 65. Many of them were hit hard by the financial crisis. Many more struggle to survive because they did not prepare for retirement.
Generation X, born between 1965 to 1980, are middle-aged
adults. They are worried about keeping their jobs and paying growing
bills. Many of them are sandwiched between the burden of taking care
of their own family and helping their parents.
Millennials, those born after 1980, are facing even bigger hurdles
with the new economy. As the labor market becomes global, companies
are increasingly sending their operations overseas where labor costs
are lower. In addition, more jobs are being replaced due to advances in software and automation. Technology and smart machines change so fast that workers’ skills may not be able to keep pace.
Many people will be left behind or will have to settle for lower skilled jobs and temporary employment
Darin Weidauer
424-400-4056
darinweidauer@ecos.care
www.darinweidauer.com
THE NEW AWAKENING
After World War II, the second half of the last millennium
presented a comfortable way of life. Most people grew up thinking: If
they could go to a good college, get a good degree, and find a good
job, then when they retire, their union, their company, or the government
would take care of them. Saving was not a priority.
Darin Weidauer
424-400-4056
darinweidauer@ecos.care
www.darinweidauer.com
Toward the 1980’s and 90’s, money became more accessible
through easier loans and credit cards. Spend now and pay later was
the mantra. Consumer debt soared. Living with debt became the new
norm. From college until old age, many people went through a lifetime
of debt beginning with student loans and on to credit cards, car loans,
mortgages, etc.
Perhaps the only good thing to come out of the last financial
crisis is that more and more people are starting to pay attention to their
personal finances. They want to understand how money works and
rebuild their financial foundation.
Darin Weidauer
424-400-4056
darinweidauer@ecos.care
www.darinweidauer.com
SELF SECURITY
The traditional pillars of retirement are now in doubt.
Personal Savings
38 million Americans are currently living paycheck to paycheck.*
Canada is not doing better. 30% percent of Canadians can’t
handle more than $500 of unexpected expenses without going into
debt, and an additional 28% can’t handle more than $2000.**
Company Pensions
The good old days of pensions are disappearing in North America.
In the U.S., companies now offer 401ks, and few match contributions. In
Canada, companies have been moving away from Defined Benefit Plans
that provide a known retirement amount to Defined Contribution Plans
that leave the investment risks with the worker.
Government Programs:
Social Security and Canada Pension Plan
In the 1940s, for every retiree there were over 40 American
workers contributing to Social Security. Today this number has shrunk to
roughly 3 per retiree.*** This imbalance will put increasing pressure on the
government’s ability to sustain Social Security and provide benefits to
seniors who are living longer and require more support.
In Canada, there are similar pressures on the Canada Pension
Plan (CPP) caused by an aging population that is living longer. As of
January 2015, if you were to qualify for the maximum monthly retirement
pension at age 65, it would be $1,065 per month.**** Is this enough to
provide you with the secure retirement that you desire?
More than ever, people need to change their thinking from Social
Security to Self Security. You must fund your own retirement. You can’t
depend on unions, your employer, or the government. You must take
charge of your financial future and develop new financial habits.
F Make Money
F Save Money
F Grow Money
F Protect Money
Financial concepts and solutions may not be the most exciting
subject. But with discipline and patience, you can learn and understand
the fundamentals. And you can build a good financial foundation.
Financial independence is not a dream. It is a priority. Take control
your future.
*http://money.cnn.com/2014/04/25/news/economy/middle-class-paycheck
**http://www.benefitscanada.com/news/canadians-say-their-savings-habits-are-poor-55872
***http://mercatus.org/publication/how-many-workers-support-one-social-security-retiree
****http://www.benefitscanada.com/pensions/db/cpp-benefits-rising-in-2015-60918
Darin Weidauer
424-400-4056
darinweidauer@ecos.care
www.darinweidauer.com