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 best way to start your finance capstone project is to come with great ideas. Remember the success of your capstone project will be determined by the level of uniqueness in your ideas and more often than not, coming up with the ideas is the most crucial thing.
http://www.capstonewritingservice.com/capstone-finance-project-topics/
This slide set is a work in progress and is embedded in my Principles of Finance course, which is also a work in progress, that I teach to computer scientists and engineers
http://awesomefinance.weebly.com/
SAP recently started to bundle software solutions with pre-packaged consulting. The result is called RDS, or Rapid Deployment Solutions. There are currently close to one hundred offerings available. In this webcast, you will first get a better understanding of how the RDS methodology can save customers time and money and minimize risk. Then, we will navigate through the RDS portal and learn more specific RDS packages. Last, we will dive into some of the RDS projects recommended for the SAP Controlling community.
The best way to start your finance capstone project is to come with great ideas. Remember the success of your capstone project will be determined by the level of uniqueness in your ideas and more often than not, coming up with the ideas is the most crucial thing.
http://www.capstonewritingservice.com/capstone-finance-project-topics/
This slide set is a work in progress and is embedded in my Principles of Finance course, which is also a work in progress, that I teach to computer scientists and engineers
http://awesomefinance.weebly.com/
SAP recently started to bundle software solutions with pre-packaged consulting. The result is called RDS, or Rapid Deployment Solutions. There are currently close to one hundred offerings available. In this webcast, you will first get a better understanding of how the RDS methodology can save customers time and money and minimize risk. Then, we will navigate through the RDS portal and learn more specific RDS packages. Last, we will dive into some of the RDS projects recommended for the SAP Controlling community.
4.Test Bank for The Legal Environment of Business 12th Edition by Meinersvados ji
Full download link: https://getbooksolutions.com/download/test-bank-for-the-legal-environment-of-business-12th-edition-by-meiners/
Chapter 1. Today’s Business Environment: Law and Ethics.
Chapter 2. The Court Systems.
Chapter 3. Trials and Resolving Disputes.
Chapter 4. The Constitution: Focus on Application to Business.
Chapter 5. Criminal Law and Business.
Chapter 6. Elements of Torts.
Chapter 7. Business Torts and Product Liability.
Chapter 8. Real and Personal Property.
Chapter 9. Intellectual Property.
Chapter 10. Contracts.
Chapter 11. Domestic and International Sales.
Chapter 12. Business Organizations.
Chapter 13. Negotiable Instruments, Credit, and Bankruptcy.
Chapter 14. Agency and the Employment Relationship.
Chapter 15. Employment and Labor Regulations.
Chapter 16. Employment Discrimination.
Chapter 17. The Regulatory Process.
Chapter 18. Securities Regulation.
Chapter 19. Consumer Protection.
Chapter 20. Antitrust Law.
Chapter 21. Environmental Law.
Chapter 22. The International Legal Environment of Business.
Content of chapter2 book: Test Bank for The Legal Environment of Business 12th Edition by Meiners
This is the support deck for an introductory class I made for Junior Designers, Developers, Product and Project Managers to introduce them to the proper way to use wireframes.
I did this class already multiple times at General Assembly (London, UK), TechLab (Santa Clara, CA) and internally in my consulting job.
It's updated to OmniGraffle 6.
Same presentation, with Keynote:
http://www.slideshare.net/folletto/introduction-to-building-wireframes-with-keynote
Finance and Accounting Business Capability ModelCIOPages
The CIOPages.com Finance and Accounting business capability model is hierarchically decomposed list of capabilities which captures the end-to-end entities that span the finance and accounting function. Visit: https://www.ciopages.com/store/finance-accounting-business-capability-model/
What Young Adults Need to Know About Moneymilfamln
What Young Adults Need to Know About Money is a 90 minute panel discussion presented by Bill Cheeks, Dr. Joyce Serido and Dr. Shelley MacDermid Wadsworth on behalf of the Military Families Learning Network. This panel discussion addresses the concerns of young working adults, college students and young enlisted Service Members.
Keynote: Preparing for the unexpected, avoiding financial vulnerability - Ann...Wijzer in geldzaken
Symposium: Financial Resilience throughout Life
Keynote by Annamaría Lusardi: Preparing for the unexpected, avoiding financial vulnerability
Wednesday 20th of April 2016
Beurs van Berlage - Amsterdam
Military Family Financial Transitions: Handling Changes to Income, Benefits &...milfamln
Military service members and their families encounter numerous transitions throughout their military careers, including entering active duty, deployments, transferring from one duty station to another, leaving active duty to enter the reserve component or making the transition back to civilian life. Each of these transitions impact a military family’s financial situation. This 90 minute interactive webinar will review research on military family financial issues including family transitions on pay, benefits, and money management practices. Spousal financial concerns will be discussed. Resources will be shared.
Every year the Oregon IDA Initiative helps thousands in Oregon buy homes, start small businesses and get an education. Here's the data behind the Initiaitve.
ASIC report as to the challenges facing seniors and their supporters, attorneys and guardians in relation to the financial demands arising from ageing, cost of ageing, aged care and continuing support
You are not born an entrepreneur, you become oneJuliaShapiro9
A deconstructionist view of how tax policy, socio-economic structures, race, and gender impact entrepreneurial and general career success in the United States.
Based on a lecture given at the Yale Law School Entrepreneurship and Innovation Clinic on November 9, 2019.
Supporting Transitions from AP to Post-16Mike Power
This presentation was delivered to colleagues at a large college in the North West. The session aimed to explore how young people who have been educated in a PRU or AP will arrive to college and what support they may be able to offer.
4.Test Bank for The Legal Environment of Business 12th Edition by Meinersvados ji
Full download link: https://getbooksolutions.com/download/test-bank-for-the-legal-environment-of-business-12th-edition-by-meiners/
Chapter 1. Today’s Business Environment: Law and Ethics.
Chapter 2. The Court Systems.
Chapter 3. Trials and Resolving Disputes.
Chapter 4. The Constitution: Focus on Application to Business.
Chapter 5. Criminal Law and Business.
Chapter 6. Elements of Torts.
Chapter 7. Business Torts and Product Liability.
Chapter 8. Real and Personal Property.
Chapter 9. Intellectual Property.
Chapter 10. Contracts.
Chapter 11. Domestic and International Sales.
Chapter 12. Business Organizations.
Chapter 13. Negotiable Instruments, Credit, and Bankruptcy.
Chapter 14. Agency and the Employment Relationship.
Chapter 15. Employment and Labor Regulations.
Chapter 16. Employment Discrimination.
Chapter 17. The Regulatory Process.
Chapter 18. Securities Regulation.
Chapter 19. Consumer Protection.
Chapter 20. Antitrust Law.
Chapter 21. Environmental Law.
Chapter 22. The International Legal Environment of Business.
Content of chapter2 book: Test Bank for The Legal Environment of Business 12th Edition by Meiners
This is the support deck for an introductory class I made for Junior Designers, Developers, Product and Project Managers to introduce them to the proper way to use wireframes.
I did this class already multiple times at General Assembly (London, UK), TechLab (Santa Clara, CA) and internally in my consulting job.
It's updated to OmniGraffle 6.
Same presentation, with Keynote:
http://www.slideshare.net/folletto/introduction-to-building-wireframes-with-keynote
Finance and Accounting Business Capability ModelCIOPages
The CIOPages.com Finance and Accounting business capability model is hierarchically decomposed list of capabilities which captures the end-to-end entities that span the finance and accounting function. Visit: https://www.ciopages.com/store/finance-accounting-business-capability-model/
What Young Adults Need to Know About Moneymilfamln
What Young Adults Need to Know About Money is a 90 minute panel discussion presented by Bill Cheeks, Dr. Joyce Serido and Dr. Shelley MacDermid Wadsworth on behalf of the Military Families Learning Network. This panel discussion addresses the concerns of young working adults, college students and young enlisted Service Members.
Keynote: Preparing for the unexpected, avoiding financial vulnerability - Ann...Wijzer in geldzaken
Symposium: Financial Resilience throughout Life
Keynote by Annamaría Lusardi: Preparing for the unexpected, avoiding financial vulnerability
Wednesday 20th of April 2016
Beurs van Berlage - Amsterdam
Military Family Financial Transitions: Handling Changes to Income, Benefits &...milfamln
Military service members and their families encounter numerous transitions throughout their military careers, including entering active duty, deployments, transferring from one duty station to another, leaving active duty to enter the reserve component or making the transition back to civilian life. Each of these transitions impact a military family’s financial situation. This 90 minute interactive webinar will review research on military family financial issues including family transitions on pay, benefits, and money management practices. Spousal financial concerns will be discussed. Resources will be shared.
Every year the Oregon IDA Initiative helps thousands in Oregon buy homes, start small businesses and get an education. Here's the data behind the Initiaitve.
ASIC report as to the challenges facing seniors and their supporters, attorneys and guardians in relation to the financial demands arising from ageing, cost of ageing, aged care and continuing support
You are not born an entrepreneur, you become oneJuliaShapiro9
A deconstructionist view of how tax policy, socio-economic structures, race, and gender impact entrepreneurial and general career success in the United States.
Based on a lecture given at the Yale Law School Entrepreneurship and Innovation Clinic on November 9, 2019.
Supporting Transitions from AP to Post-16Mike Power
This presentation was delivered to colleagues at a large college in the North West. The session aimed to explore how young people who have been educated in a PRU or AP will arrive to college and what support they may be able to offer.
Black Consumer Project Wave 2 - Finance + BankingThinkNow
Black Consumer Project is an in-depth multi-wave study of the economic and cultural contributions of Black Americans. This community has more buying power than ever, and our goal is to uncover the unique perspectives, behaviors, and preferences of Black and African American consumers.
The second wave of the Black Consumer Project explores banking behaviors, financial perceptions and aspirations for the future.
Do Dreams Come True? Aspirations and educational attainments of Ethiopian boy...Young Lives Oxford
How do aspirations and expectations affect boys’ and girls’ educational attainment in Ethiopia?
This paper investigates the relationship between aspirations and children’s years of schooling, as an indicator of cumulative investments in education.
It explores gender differences in aspirations (at earlier ages) and later school attainment, taking into account non-educational expectations, parental gender-based preferences and how they vary in a context of extreme poverty.
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 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.
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.
Are county agents ready to adopt this social media tools for extension programs and marketing tools? NEAFCS Annual Conference Abuquerque, September 2011
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
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
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
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 sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@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
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
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
1. Survey on Personal FinanceSurvey on Personal Finance
Important TopicsImportant Topics
Megan O’Neil, MPS, CFCS, The University of Maryland
Fahzy Abdul-Rahman, Ph.D., New Mexico State University
Barbara O'Neill, Ph.D., Rutgers University
2012 eXtension Annual Conference
October 2012
2. MethodsMethods
• Survey on Personal Finance Important
Topics
– OPENED: November 1, 2011 to April 30th
2012
– n= 724
• “The goal of this survey is to gather information
on important topics in personal finance. While
your participation in this survey is voluntary,
your response will greatly help in designing
personal finance programs to meet the public's
needs.”
• Google Survey Docs
3. • Family Economics News: March - April 2012 -
3/22/2012
• Ken McDonnell McDonnell@ebri.org to EBRI - Distro -
ASEC_Partners ASEC_Partners@ebri.org 2/9/2012
• Shockey, Susan sshockey@nifa.usda.gov Wed
2/8/2012 2:07 PM
• Shockey, Susan sshockey@nifa.usda.gov Wed
11/2/2011 Everyone - NIFA Everyone Distribution List
everyone@nifa.usda.gov + 'family-
econ@lyris.nifa.usda.gov'; 'fcsldrs@lyris.nifa.usda.gov';
'fsllcontacts@lyris.nifa.usda.gov'; 'amer-
saves@lyris.nifa.usda.gov‘ + fe-
partners@lyris.nifa.usda.gov
8. Data SetData Set
• N= 724
• States with = or > 20 respondents
were included for interpretation
• Selected Set N=533 representing 77%
of total original response
• Separated regions (NE, MW, S & W)
• Northeast Region (n=22) too small
for further reliable analyses and
comparison by region
9. 13 States Included n= %N=13 States Included n= %N=
Alabama 28 4%
Florida 36 5%
Iowa 42 6%
Maryland 49 7%
Michigan 72 10%
Minnesota 20 3%
Mississippi 60 8%
Missouri 24 3%
Ohio 22 3%
Oklahoma 47 6%
Utah 28 4%
Virginia 98 14%
Washington 27 4%
10. Respondent CharacteristicsRespondent Characteristics
• Age18+; age 19+ (Nebraska & Alabama); range ages
18 – 80 with good bell shaped distribution
• Predominantly female (81%)
• Income
Less than $25,000 6%
$25,000 to $49,999 30%
$50,000 to $74,999 28% 45%
$75,000 to $99,999 17% 63%
$100,000 or greater 18%
• Highly educated
Bachelor’s degree 28%
Post college degree 54%
13. People in the Southern region rated themselves lessPeople in the Southern region rated themselves less
knowledgeable than those in the Midwest or Westknowledgeable than those in the Midwest or West
rated themselvesrated themselves
(MW 4.125/S 3.916/W 4.194 p=.0027),(MW 4.125/S 3.916/W 4.194 p=.0027),
but overall, allbut overall, all
people rated themselvespeople rated themselves
quite knowledgeable.quite knowledgeable.
14. People in the Western region reported getting theirPeople in the Western region reported getting their
personal finance information from adult educationpersonal finance information from adult education
more than those from the Midwest or Southmore than those from the Midwest or South
(MW 3.438/S 3.280/W 3.605 p=.0223)(MW 3.438/S 3.280/W 3.605 p=.0223)
15. People in the Western and MidwesternPeople in the Western and Midwestern
regions took courses in college and/orregions took courses in college and/or
majored in a personal finance area and/ormajored in a personal finance area and/or
attended workshops/talks to a significantlyattended workshops/talks to a significantly
greater degree (p=.0353, p=<.0001 and p=.002greater degree (p=.0353, p=<.0001 and p=.002
respectively) than those from the Southrespectively) than those from the South
16. Important Topics for Adults:Important Topics for Adults:
Adult RespondentsAdult Respondents
• The Western region was significantly
more concerned than other regions with
several topics for adults as compared to
other regions (mortgages, loans, other,
paying yourself first, debt and credit,
scams/frauds/identity theft)
• The Midwest and Western regions
shared a significantly higher concern for
dealing with mortgages
17.
18. Q4: Important Personal FinanceQ4: Important Personal Finance
Topics for Adults - OTHERTopics for Adults - OTHER
• Tax forms are so complicated it would be useful to have some classes about different forms and
issues. estate planning credit history/ credit
cards/which banks are the best (fees vs. no fees) Will I be able to manage on Social Security?
Will there still be Social Security? Will I win the lottery? what legislation is in the works
that will change our exemptions and savings-ir not being able to claim taxes or interest on our
mortgages. Taxing social security, etc. allocating savings during retirement to increase income
while decreasing risk of losing principal. How do I get out of the payday loan cycle.
Being underwater on your mortgage. Short sale options to get out of loan. Strategic default on home
loan. Declaring bankruptcy. Dealing with aging parents finances Teach children about money
How to keep track of recent changes in bank fees and charges.
Since I do not own a home and will probably not be able to save a significant down-
payment, affordable housing for the immediate future and certainly into retirement is a serious
concern for me. At this time due to salary I do not qualify for assistance. Rents are extremely
expensive. Understanding Taxes, Marriage and Money, Financial
Issues/Implications of Divorce, Children and Money; Foreclosure Prevention Chronic
spending issues(as means for social opportunities or to stuff frustration) I believe more
should be done to help citizens break down the finncial implications facing the US economy.
Currently one line headliners from newpapers and Congress are not clearly lining up the facts on
the issues and proposed solutions.
Credit Scoring practicies
Credit rate practicies Estate planning - end of life issues Buying vs. Renting after the
debt crisis. My new bank removes money from my bill pay account ahead of the send
date, then take 5 business days to send the check and then the check is not cashed for 2 to three
days. Who has ownership of the money between the time when the money is taken out and the
time the person receiving the check cashed the check? I think that it should be me. My bank
representative cannont tell me where the money is during the time frame. I am not sure why the
representative cannot provide clarity.
I am looking at other banks and credit unions to see what services and fees they charge for my
specific needs before I move or stay. Any suggestions?
Lots of changes with banking - many choices for checking accounts - money
markets, saving, etc. What is best?? Crisis financial management
Unemployment impact
Investing education, even at the adult level, should be offered starting with a very simple
"dummies" version...assume the participant has hardly even glanced at a stock market report. Too
many programs are too complicated even at the beginner level, and those who have no experience
often feel overwhelmed when instructors assume they know how to read the business pages.
Mitigating risk The above-checked topics are important to me -- not necessarily others.
How to repair your credit. I just wanted to be clear that for these "important
topic" questions, I checked off which topics are the most important IMHO. I think ALL of the topics
listed are currently important topics. n/a Money & Marriage - communications about
money Stock Market Basics Adult children moving back
home. Saving Money at the gas pump and at the grocery store. All areas are
very important. Thank you for asking. Getting out of debt. I would also include preparing
wills and trusts for everyone. All information I find is based on already having extra left over
after the bills. What do you do if you do not have debt or extras like cable and still don't have
enough leftover for food? How do you get to the point where you are working month to month?
Consumer disclosures. Fees in banking and lending. The economy the next twenty
years will be nothing like the last twenty due to government deficit, entitlement program changes,
demographic changes, etc.etc. Living within ones means is going to be more important. Taxes will
be higher.
• How to get the most from your savings and keep it
safe. How to fix bad credit...where do you start?
I have old credit issues, some resolved, a few not...what do I do?
Maybe call the workshop: Mistakes don't have to haunt you forever: How to get your good credit
score back. Investing in stock market, mutual funds, money markets -- define each for
personal need/goal Credit history, credit score and how to improve your "numbers"
creating a spending plan Wills As my parents did, from the time my children
were old enough to grasp the concept of money, I urged them to plan for their futures. When they
graduated from college and got their first jobs, I always told them to pay themselves first, even if it's
just a few dollars a week. That habit, over time, can lead to financial stability. the perils of
payday lending Understand income tax.
Keeping key financial records.
Purpose of a will.
Major consumer protection laws.
Evaluate advertising on financial services and products.
Know how to comparison shop for financial services and products. How to get out of debt!
Cost of vices such as gambling Since many low income people in rural
areas have no computer access, publications on a lower educational level are needed. Someone
recently told me "Extension's publications are wonderful, however, someone with a low level of
education won't/can't read them. You need something with more pictures, simply written."
teaching children financial responsibility, teen financial literacy Need information on Estate
Planning Correlation with healthy lifestyle; taking care of assets, being
resourceful Critical thinking skills and discernment best long term care options
I think one of the main important topics or overriding themes is coping or adjusting to the
uncertainty and change in the economic environment at large. This affects people across the entire
range of topics cited above. I think the significant pace of change over the last several years has left
most people struggling to keep up.
I think those most immediately affected by the economic crisis, e.g. the unemployed, those who
have seen a significant reduction in income, facing foreclosure, etc., are naturally having their
attention focused on dealing with relatively near term personal finance concerns, like managing
cash flow & debts. Tithing Managing business investments There is a
large segment of the populace without basic information/knowledge about personal finance, such
as: balancing a checkbook, figuring interest, actual cost in time pay, etc. I believe correcting this
lack of basic knowledge should be the highest of priorities.
Finances for the single woman
Estate planning Investments like gold silver oil etc. Home Repairs
Car Buying
Emergency Preparedness Lending money to family members or friends.
understanding how economic conditions will affect consumers; managing money in crisis situations;
credit scores; Mortgage Fraud and what government programs are available and safe
What is the best way to address complaints against federal and or State banks?
Why isn't the community more involved in teaching basic financial skills in HS or even elementary
school? How to estbalish credit. CFP stock market
Budgeting after loss of job or other income Basic financial literacy concepts:
compounded interest, why paying cash makes sense. Undestanding WHY its inportant to develope
money management life skills. How to teach Children about money
Talking with boyfriends/ girlfriends about money
How much house can you afford
Importance of credit score
I think our American culture is too. . . nice when discussing/teaching about debt
management. I think debt can be helpful when doing initial business startup costs or buying a home
or paying for Professional school, not undergrad. I think it is a mistake to keep telling students and
clients that debt is ok as long as it is within said percentage of take home pay. I think we should
view debt as the entitlement breeding cancer that it is. It destroys individuals and families and few
financial professionals are bold enough to call it for what it is.
I also think people should understand taxes better. They can keep better records when they know
more. I also think they should know what their money is being used for,not just intended to be used
for. As a single Mom, what ways can I plan to pay for my children's college without
developing life-long debt. Ensuring that banking services are available to all consumers.
Dealing with financial/tax issues in blended families
Tax issues to Families of Fallen Troops choosing a financial advisor
CCCS and legitimte bankruptcy alternatives medical
19. Important Topics for Youth: Adult RespondentsImportant Topics for Youth: Adult Respondents
• The Western region was significantly more
concerned than other regions with the following topics
for Youth: paying yourself first and managing debt
and credit
And somewhat more concerned with the following
for Youth: importance of credit history and
scams/frauds/identity theft
• The Southern region was somewhat more concerned
for Youth with using online banking
• The Midwest region was somewhat less concerned
for Youth with saving and investing options
23. • People living in the West will think personal finance education
on almost any topic is important!
• The South recognized using online banking as an important
topic for Youth more than any other region. This may mean
that people in the South are more aware of online banking
technologies as they relate to Youth and potentially are more
interested in Youth financial capabilities outreach.
• The Midwest expressed less concerned for Youth with
saving and investing options. Again – this may mean that
Midwesterners are more aware of Youth priorities. Awareness
could translate into support or nonsupport of programs.
• What is happening locally and regionally in housing, in
particular Mortgages, raises concern significantly for
education in this topic area.
If the Sample is Reliable, What Does theIf the Sample is Reliable, What Does the
Geographic Correlation Tell Us?Geographic Correlation Tell Us?
25. Financially KnowledgeableFinancially Knowledgeable
Sample?Sample?
• 8 of 10 respondents agreed (51%) or strongly
agreed (30%) that they were financially
knowledgeable
• Is this really true or indication of overconfidence?
– People often don’t know what they don’t know
• Would be interesting to assess actual financial
practices
26. A Sample of Do-It-Yourselfers?A Sample of Do-It-Yourselfers?
• Only 11% always and 48% sometimes get
information from financial advisors
• Family members rate about the same: 14%
always and 45% sometimes
• Are people getting information themselves or
just not getting information?
27. Sources of Financial informationSources of Financial information
• Mixed preferences among traditional Extension
outreach methods
• Always/sometimes combined percentages:
– Seminars: 39%
– Courses since leaving school: 53%
– Newspapers/magazines: 73%
– Cooperative Extension: 49%
– Internet Sources: 72%
– Software: 30%
• 80% said their personal finance courses were
“self-studied”
28. ““Hot” Topics ReflectHot” Topics Reflect
Respondents’ Age and RecentRespondents’ Age and Recent
Economic ConditionsEconomic Conditions
• Planning for Retirement (85%)
• Saving and Investing (80%)
• Managing Debt and Credit (79%)
• Budgeting (68%)
• Managing Cash Flow (61%)
• Scams, Frauds, and Identity Theft (60%)
29. Age-Specific ContentAge-Specific Content
PreferencesPreferences
Youth
• Making Decisions About
Money (87%)
• Using Credit and Credit
Cards (82%)
• Keeping Track of Money
(81%)
• Understanding Income and
Expenses (78%)
• Creating a Plan for
Spending (75%)
Older Adults
• Preparing Wills and Trusts
(89%)
• Managing Retirement
Income and Savings (88%)
• Long-Term Care (83%)
• Financing Health Care
Expenses (81%)
• Scams, Frauds, and Identity
Theft (77%)
30. 2012 CFA/Primerica Study2012 CFA/Primerica Study
• Study of households earning $40k to $100k
• Analyzed Federal Reserve data
• Respondents rated “good to excellent” ability to
budget and manage credit card debt (81%) and
save for retirement (63%)
• Only 15% rely on television, the Internet, or
publications
• Typical family had retirement savings of $27,300,
down from $37,800 in 2007
31. Implications for FutureImplications for Future
eXtension OutreacheXtension Outreach
• Develop new content to assist “do-it-yourselfers”
(e.g., worksheets, calculators, resource guides, do-
it-yourself financial planning activities)
• Develop new content on priority topic areas
• Use multiple methods of outreach, especially
Internet and publications
• Strive for increased visibility as an unbiased source
of financial information
Tax forms are so complicated it would be useful to have some classes about different forms and issues. estate planning credit history/ credit cards/which banks are the best (fees vs. no fees) Will I be able to manage on Social Security? Will there still be Social Security? Will I win the lottery? what legislation is in the works that will change our exemptions and savings-ir not being able to claim taxes or interest on our mortgages. Taxing social security, etc. allocating savings during retirement to increase income while decreasing risk of losing principal. How do I get out of the payday loan cycle. Being underwater on your mortgage. Short sale options to get out of loan. Strategic default on home loan. Declaring bankruptcy. Dealing with aging parents finances Teach children about money How to keep track of recent changes in bank fees and charges. Since I do not own a home and will probably not be able to save a significant down-payment, affordable housing for the immediate future and certainly into retirement is a serious concern for me. At this time due to salary I do not qualify for assistance. Rents are extremely expensive. Understanding Taxes, Marriage and Money, Financial Issues/Implications of Divorce, Children and Money; Foreclosure Prevention Chronic spending issues(as means for social opportunities or to stuff frustration) I believe more should be done to help citizens break down the finncial implications facing the US economy. Currently one line headliners from newpapers and Congress are not clearly lining up the facts on the issues and proposed solutions. Credit Scoring practiciesCredit rate practicies Estate planning - end of life issues Buying vs. Renting after the debt crisis. My new bank removes money from my bill pay account ahead of the send date, then take 5 business days to send the check and then the check is not cashed for 2 to three days. Who has ownership of the money between the time when the money is taken out and the time the person receiving the check cashed the check? I think that it should be me. My bank representative cannont tell me where the money is during the time frame. I am not sure why the representative cannot provide clarity. I am looking at other banks and credit unions to see what services and fees they charge for my specific needs before I move or stay. Any suggestions? Lots of changes with banking - many choices for checking accounts - money markets, saving, etc. What is best?? Crisis financial managementUnemployment impact Investing education, even at the adult level, should be offered starting with a very simple &quot;dummies&quot; version...assume the participant has hardly even glanced at a stock market report. Too many programs are too complicated even at the beginner level, and those who have no experience often feel overwhelmed when instructors assume they know how to read the business pages. Mitigating risk The above-checked topics are important to me -- not necessarily others. How to repair your credit. I just wanted to be clear that for these &quot;important topic&quot; questions, I checked off which topics are the most important IMHO. I think ALL of the topics listed are currently important topics. n/a Money & Marriage - communications about money Stock Market Basics Adult children moving back home. Saving Money at the gas pump and at the grocery store. All areas are very important. Thank you for asking. Getting out of debt. I would also include preparing wills and trusts for everyone. All information I find is based on already having extra left over after the bills. What do you do if you do not have debt or extras like cable and still don&apos;t have enough leftover for food? How do you get to the point where you are working month to month? Consumer disclosures. Fees in banking and lending. The economy the next twenty years will be nothing like the last twenty due to government deficit, entitlement program changes, demographic changes, etc.etc. Living within ones means is going to be more important. Taxes will be higher. How to get the most from your savings and keep it safe. How to fix bad credit...where do you start?I have old credit issues, some resolved, a few not...what do I do?Maybe call the workshop: Mistakes don&apos;t have to haunt you forever: How to get your good credit score back. Investing in stock market, mutual funds, money markets -- define each for personal need/goal Credit history, credit score and how to improve your &quot;numbers&quot; creating a spending plan Wills As my parents did, from the time my children were old enough to grasp the concept of money, I urged them to plan for their futures. When they graduated from college and got their first jobs, I always told them to pay themselves first, even if it&apos;s just a few dollars a week. That habit, over time, can lead to financial stability. the perils of payday lending Understand income tax.Keeping key financial records.Purpose of a will.Major consumer protection laws.Evaluate advertising on financial services and products.Know how to comparison shop for financial services and products. How to get out of debt! Cost of vices such as gambling Since many low income people in rural areas have no computer access, publications on a lower educational level are needed. Someone recently told me &quot;Extension&apos;s publications are wonderful, however, someone with a low level of education won&apos;t/can&apos;t read them. You need something with more pictures, simply written.&quot; teaching children financial responsibility, teen financial literacy Need information on Estate Planning Correlation with healthy lifestyle; taking care of assets, being resourceful Critical thinking skills and discernment best long term care options I think one of the main important topics or overriding themes is coping or adjusting to the uncertainty and change in the economic environment at large. This affects people across the entire range of topics cited above. I think the significant pace of change over the last several years has left most people struggling to keep up. I think those most immediately affected by the economic crisis, e.g. the unemployed, those who have seen a significant reduction in income, facing foreclosure, etc., are naturally having their attention focused on dealing with relatively near term personal finance concerns, like managing cash flow & debts. Tithing Managing business investments There is a large segment of the populace without basic information/knowledge about personal finance, such as: balancing a checkbook, figuring interest, actual cost in time pay, etc. I believe correcting this lack of basic knowledge should be the highest of priorities.Finances for the single womanEstate planning Investments like gold silver oil etc. Home RepairsCar BuyingEmergency Preparedness Lending money to family members or friends. understanding how economic conditions will affect consumers; managing money in crisis situations; credit scores; Mortgage Fraud and what government programs are available and safeWhat is the best way to address complaints against federal and or State banks?Why isn&apos;t the community more involved in teaching basic financial skills in HS or even elementary school? How to estbalish credit. CFP stock market Budgeting after loss of job or other income Basic financial literacy concepts: compounded interest, why paying cash makes sense. Undestanding WHY its inportant to develope money management life skills. How to teach Children about moneyTalking with boyfriends/ girlfriends about moneyHow much house can you affordImportance of credit score I think our American culture is too. . . nice when discussing/teaching about debt management. I think debt can be helpful when doing initial business startup costs or buying a home or paying for Professional school, not undergrad. I think it is a mistake to keep telling students and clients that debt is ok as long as it is within said percentage of take home pay. I think we should view debt as the entitlement breeding cancer that it is. It destroys individuals and families and few financial professionals are bold enough to call it for what it is.I also think people should understand taxes better. They can keep better records when they know more. I also think they should know what their money is being used for,not just intended to be used for. As a single Mom, what ways can I plan to pay for my children&apos;s college without developing life-long debt. Ensuring that banking services are available to all consumers. Dealing with financial/tax issues in blended familiesTax issues to Families of Fallen Troops choosing a financial advisorCCCS and legitimte bankruptcy alternatives medical