This document summarizes the key findings of the 2013 Consumer Financial Literacy Survey conducted by Harris
Interactive for the National Foundation for Credit Counseling and the Network Branded Prepaid Card Association. Some
of the main findings include: two in five Americans have a budget but many give themselves low grades on financial
knowledge; insufficient savings is a top financial worry; most pay bills on time but some have debt in collections; fewer
carry credit card balances month-to-month but many have not reviewed credit reports/scores; and prepaid debit cards are
used by some for convenience and control over spending.
The effect of financial literacy on payday loan usage with abstractKurt Kunzler
This study examines the relationship between financial literacy and payday loan usage. The author conducted a survey measuring individuals' financial literacy and payday loan usage. Results showed that higher financial literacy, as measured by correctly answering questions about interest, loans, and payments, was associated with lower likelihood of using payday loans. This suggests that improving financial literacy through education may help reduce reliance on expensive payday loans and help people make better financial decisions. The study provides preliminary evidence for the relationship between financial literacy and payday loan usage, though the small sample size limits definitive conclusions.
TransUnion: Q3 Report Demonstrates Consumers Managing Their Credit Card Relat...deadpanglut2011
TransUnion's Q3 2013 report found that consumers are effectively managing their credit card relationships, as evidenced by a 14 basis point drop in the credit card delinquency rate from Q3 2012 to Q3 2013. The average credit card debt also declined 1.3% over the last year. While credit card delinquencies increased slightly from Q2 2013 due to seasonal spending, TransUnion forecasts the rate will remain around 1.48% for Q4 2013. Overall, consumers continue to deleverage and maintain low credit card balances and delinquency rates.
Pepper Money UK | Adverse Credit Study Autumn 2020Pepper Money UK
Pepper Money is proud to launch the #AdverseCredit Study Autumn 2020. Our third edition of the Study helps us all better understand and challenge the misconceptions of adverse credit.
The extensive YouGov research has helped to explore everything from; where borrowers go for #mortgage advice, to customers' concerns their mortgage applications could be declined due to adverse challenges.
We hope that, in doing this, we can encourage more people with adverse credit to seek advice about their finances and, when it comes to mortgages, we believe this could also present considerable opportunity for #brokers.
You can find out more information on the Study here: https://www.pepper.money/adverse-credit-study-2020/?utm_source=linkedin&utm_medium=social&utm_campaign=acs_autumn_2020&utm_term=thought&utm_content=slideshare
Progress Now Arizona conducted an online poll in April 2018 to quantify themes from qualitative research, including Arizonans' negative views of politics. Key findings include:
- Voters see corporations and lobbyists as symbols of problems and support taxing corporations more.
- Populist messages rejecting help for the powerful resonate more than overtly progressive ones.
- Voters want honest leaders who provide facts over spin.
However, centrist messages also test well. Some theories did not pan out, and voters prioritize candidate qualities like honesty over struggling financially or personal attributes. This non-probability survey of 814 adults is biased towards more engaged online voters.
The effect of financial literacy on payday loan usage with abstractKurt Kunzler
This study examines the relationship between financial literacy and payday loan usage. The author conducted a survey measuring individuals' financial literacy and payday loan usage. Results showed that higher financial literacy, as measured by correctly answering questions about interest, loans, and payments, was associated with lower likelihood of using payday loans. This suggests that improving financial literacy through education may help reduce reliance on expensive payday loans and help people make better financial decisions. The study provides preliminary evidence for the relationship between financial literacy and payday loan usage, though the small sample size limits definitive conclusions.
TransUnion: Q3 Report Demonstrates Consumers Managing Their Credit Card Relat...deadpanglut2011
TransUnion's Q3 2013 report found that consumers are effectively managing their credit card relationships, as evidenced by a 14 basis point drop in the credit card delinquency rate from Q3 2012 to Q3 2013. The average credit card debt also declined 1.3% over the last year. While credit card delinquencies increased slightly from Q2 2013 due to seasonal spending, TransUnion forecasts the rate will remain around 1.48% for Q4 2013. Overall, consumers continue to deleverage and maintain low credit card balances and delinquency rates.
Pepper Money UK | Adverse Credit Study Autumn 2020Pepper Money UK
Pepper Money is proud to launch the #AdverseCredit Study Autumn 2020. Our third edition of the Study helps us all better understand and challenge the misconceptions of adverse credit.
The extensive YouGov research has helped to explore everything from; where borrowers go for #mortgage advice, to customers' concerns their mortgage applications could be declined due to adverse challenges.
We hope that, in doing this, we can encourage more people with adverse credit to seek advice about their finances and, when it comes to mortgages, we believe this could also present considerable opportunity for #brokers.
You can find out more information on the Study here: https://www.pepper.money/adverse-credit-study-2020/?utm_source=linkedin&utm_medium=social&utm_campaign=acs_autumn_2020&utm_term=thought&utm_content=slideshare
Progress Now Arizona conducted an online poll in April 2018 to quantify themes from qualitative research, including Arizonans' negative views of politics. Key findings include:
- Voters see corporations and lobbyists as symbols of problems and support taxing corporations more.
- Populist messages rejecting help for the powerful resonate more than overtly progressive ones.
- Voters want honest leaders who provide facts over spin.
However, centrist messages also test well. Some theories did not pan out, and voters prioritize candidate qualities like honesty over struggling financially or personal attributes. This non-probability survey of 814 adults is biased towards more engaged online voters.
2020 Proof CanTrust Report - January and May resultsProof
For more than 5 years, Proof Strategies has been conducting the CanTrust Index as a leading source of knowledge and understanding of trust in Canada. In 2020, we have sampled Canadians three times so far, with our robust annual survey in January and follow-up surveys in May and September. Our data shows a unique Canadian story that is different from the narrative in other countries. We find the pandemic has elevated Canadians to unprecedented heights of trust in doctors and scientists as well as a higher trust in government. Worryingly, our senior leaders in corporations and other places need to do better. In these times of turbulence and transition, organizations have to be designed for trust.
Now in its 6th year, the Proof Strategies* CanTrust Index is a leading source of research and insights on trust in Canada. We report a distinctly Canadian story.
The 2021 Proof Strategies CanTrust Index was in field in January of this year and tells the unique story of trust among Canadians, and who they believe is trustworthy in this world of ever-increasing misinformation, conspiracy theories and keyboard warriors. During the enormous uncertainty of this pandemic, the circumstances can be fuel for mistrust or an opportunity to build trust.
This document summarizes research on millennial housing demand in the United States. It finds that millennial household formation and homeownership have been suppressed since the Great Recession due to high unemployment, stagnant incomes, high student debt loads, and barriers to mortgage credit. However, as millennials age and economic conditions continue improving, their housing demand is projected to increase and support growth in both the rental and homeownership markets. The large size of the millennial generation means unlocking their housing potential could have significant implications, including boosting demand for affordable rentals and expanding access to homeownership through low down payment loans and outreach to minority groups.
This survey of 802 registered voters ages 18-64 in New Jersey found:
- 58% believe New Jersey should develop its own health insurance exchange while 30% think the federal government should run it.
- About 60% say it is extremely or very important for New Jersey to pass exchange legislation in 2012.
- Nearly two-thirds prefer plans be chosen based on quality and value through competitive bidding rather than minimum standards.
- Around 60% strongly agree consumers should make up the majority of the exchange governing board, while nearly half strongly disagree insurance companies should be represented.
The document summarizes several news stories:
1) A study found that 60% of employees have medical deductibles over $1,200, showing the rising costs of healthcare in the US.
2) The percentage of unbanked US households hit a record low of 7% last year, but over a quarter of households are still unbanked or underbanked.
3) Research warns that the percentage of women in computing jobs will decline to 22% by 2025 unless more is done to encourage women to study computer science.
4) Stock markets indexes tracking companies that benefit from Clinton or Trump fell similarly after the final debate, suggesting the election outcome is now seen as a risk by investors
Understanding the vocabulary of health insurance helps in selecting and using coverage effectively. eHealthInsurance commissioned a national study to determine public awareness of select health insurance terminology and the specifics of health insurance coverage. Americans admit to a health insurance vocabulary deficit.
Only a fourth (23%) feel they are very sure of what the terminology used in their health insurance policy actually means.
A third are somewhat sure of what the terminology actually means (32%).
One-fourth are not very sure (13%) or have no idea (10%) what the terminology used in their health insurance policy means.
One-fifth report they don’t have health insurance (21%).
The public demonstrates its lack of familiarity with health insurance terminology by not knowing what some of the key abbreviations stand for.
Only one-third of Americans (36%) can volunteer that HMO stands for health maintenance organization.
Only one-fifth (20%) recall that PPO stands for Preferred Provider Organization.
Only one out of nine (11%) recalls that HSA stands for Health Savings Account.
When asked how sure they were with some of the specifics of their health insurance policy, most people said they were very sure of the amount of their co-payment (61%), but half or fewer were very sure they knew the amounts of other basic elements of their coverage:
Half said they were very sure of what they paid for their health insurance premiums (50%).
45% were very sure of their annual deductible.
41% were very sure of the level of their plan’s co-insurance.
35% were very sure of their maximum annual out-of-pocket costs.
For each of these items, one-fifth indicated that the questions were not relevant since they did not have health insurance (21%).
- Trust in Canada has declined over the past two years, notably a sharp 10% decline in trust in government between 2021-2022. Overall trust in NGOs, media, business and government has dropped from 37% in 2021 to 34% in 2022.
- Medical doctors at 78% and scientists at 75% remain the most trusted sources for information. Politicians have very low trust at 18%.
- Approximately half of Canadians report feeling stressed and anxious due to the pandemic, and those individuals show lower levels of trust across many areas compared to those who feel less stressed.
CanTrust Index: COVID-19 Impact Update September 2020Proof
Now in its 5th year, Proof’s CanTrust Index is a leading source of research and understanding of trust in Canada. For 2020, we conducted our robust study in our usual January time period (as COVID-19 began to sweep around the world), and a smaller follow-up survey in early May after Canada had entered a lock-down. Our data shows that Canada’s trust story is in many ways stable, and during this pandemic, both doctors and scientists are rising into stratospheric trust levels. Our research also finds trust is particularly strong in essential services such as local hospitals, banks and grocery stores. Worryingly, our CEOs and senior leaders are losing trust and need to do better. Recovery plans should include building trust.
This proposal recommends establishing a federal governing body to oversee investment in preventing and treating youth problem gambling (YPG). YPG affects up to 500,000 youth in the US and leads to negative long-term outcomes including increased risk of addiction, criminal behavior, and health issues. The proposal outlines evidence-based interventions for prevention, education, treatment, enforcement, and research of YPG through a public-private collaboration. These include using mobile technology for transparency and intervention planning, screening youth in primary care, cognitive behavioral therapy, and family training programs. It also recommends further longitudinal research on YPG.
Critics of the new legislative maps unveiled by Indiana House Republicans say they "have have historically extreme levels of partisan bias.” Women4Change Indiana engaged national gerrymandering expert Dr. Christopher Warshaw to analyze the new maps for US Congressional districts and the districts for Indiana House of Representatives presented by the Indiana House Elections Committee on Tuesday.
Proof Strategies CanTrust Index 2022 Summary of FindingsBrockPoirier1
The document summarizes the key findings of the 2022 Proof Strategies CanTrust Index, which measures trust in Canada. Some of the main findings include:
- The aggregate trust index, which measures trust in organizations like NGOs, media, business and government, has declined from 45% in 2016 to 34% in 2022.
- Trust in government has seen a significant 10% decline between 2021-2022, driven partly by stress and anxiety from the pandemic.
- Medical doctors and scientists remain the most trusted sources of information, while politicians have very low trust at 18%.
- Regional differences exist, with residents of the Prairie provinces expressing the lowest levels of trust on most issues.
Biden leads by double digits as coronavirus takes a toll on the president, Po...Dr Matt Boente MD
President Trump faces a significant challenge in his bid to win reelection in November, with former vice president Joe Biden holding a double-digit lead nationally and the president’s approval ratings crumbling amid a spreading coronavirus pandemic and a weakened economy, according to a Washington Post-ABC News poll.
The Rockefeller Center at Dartmouth College conducted a poll of 433 registered New Hampshire voters on politics, economics, and social issues. Key findings include:
- Over three-quarters of voters support universal background checks for firearm sales.
- Views of the state and national economy have improved since last year.
- Senator Ayotte's unfavorable rating increased by 7% after her vote against expanded background checks.
- In hypothetical 2014 Senate matchups, Senator Shaheen leads potential challengers Jeb Bradley and Scott Brown. In 2016 presidential matchups, Hillary Clinton leads Chris Christie and Marco Rubio.
This document discusses how growth complex theory applies to police departments. It argues that police departments act in their own self-interest to survive and grow by maintaining budgets and public image. This can lead to lower hiring standards to compete with criminals and justify funding. The document then reviews literature on factors that may influence police behavior and department growth, such as officer education levels, age, race, gender, and training. Higher education is linked to better officer performance and less excessive force. Younger officers and those without college degrees are more likely to be involved in shootings.
Americans' Experience with the Health Care System in 2018Anne Marie Moran
The document summarizes key findings from an Ipsos study on Americans' health care experiences. Some of the main findings include:
- Americans are very concerned about health care costs, more so than other expenses like retirement or college. Premiums, deductibles, and co-pays are the top cost concerns.
- Over half of Americans say their out-of-pocket health care costs have increased in the past two years. Younger generations and those with private insurance see more cost increases.
- Americans mostly blame health insurance companies and pharmaceutical companies for rising out-of-pocket costs. The federal government is also seen as responsible by some.
- Overall quality of U.S. health care
Central banks continue to be positive on gold, with 21% of central banks intending to increase their gold reserves over the next 12 months according to a survey. Central banks are increasingly valuing gold's performance during crises as this now tops their rationale for holding gold. However, central banks have less conviction about the overall trend in central bank gold holdings increasing compared to last year. Nearly half of central banks plan to increase their allocation to sustainable bonds in the next 12 months.
Resourcefulness, creativity can help further your nonprofit's missionGrant Thornton LLP
Not-for-profit organizations are seeking to expand their impact and grow revenue by strategically investing resources in key markets with long-term potential. One such organization, Be The Match, entered three new cities to gain access to more potential donors and volunteers. They focus on broadening ethnic diversity of donors to better serve underrepresented groups. Creativity and partnerships can also help further missions - for example, Boeing transports toys for orphans in Iraq when delivering planes, and Samuel Adams partners with Accion to provide coaching to entrepreneurs. Not-for-profits are also quantifying outcomes to demonstrate true value and impact to donors through transparency.
This document summarizes a presentation on digital marketing and website design. It provides tips for engaging customers online, including:
- Using contrasting colors and clear calls to action to guide users' attention.
- Testing different designs, offers, and subject lines to see what performs best.
- Tailoring websites to specific goals like direct sales, non-profit fundraising, or brand awareness.
- Including appetizing product photos, user testimonials, and educational content.
Avoiding the “Break-Up”: A Data-driven Approach to Increasing Engagement and ...Vivastream
This document discusses using data-driven approaches to increase customer engagement and reduce churn. It outlines using qualitative analysis, descriptive analytics, and predictive models to better understand customer expectations, behavior, and needs over time. The goal is to proactively address reasons for customer "break-ups" like misaligned expectations or unmet needs. Predictive models can score customers by attrition risk and recommend the best actions, like customized offers, to retain high value customers. Taking this holistic analytical approach can provide insights to continuously improve customer relationships.
Big Data for Social, Search and Online DisplayVivastream
The document discusses how big data can be used at various stages of marketing, advertising, and within enterprises. It provides examples of how big data can help improve conversion rates, order sizes, profitability, lifetime value predictions, and influencer identification. The document also discusses using big data for geographic targeting, personalization, search engine optimization, social media strategies, and paid search campaigns.
2020 Proof CanTrust Report - January and May resultsProof
For more than 5 years, Proof Strategies has been conducting the CanTrust Index as a leading source of knowledge and understanding of trust in Canada. In 2020, we have sampled Canadians three times so far, with our robust annual survey in January and follow-up surveys in May and September. Our data shows a unique Canadian story that is different from the narrative in other countries. We find the pandemic has elevated Canadians to unprecedented heights of trust in doctors and scientists as well as a higher trust in government. Worryingly, our senior leaders in corporations and other places need to do better. In these times of turbulence and transition, organizations have to be designed for trust.
Now in its 6th year, the Proof Strategies* CanTrust Index is a leading source of research and insights on trust in Canada. We report a distinctly Canadian story.
The 2021 Proof Strategies CanTrust Index was in field in January of this year and tells the unique story of trust among Canadians, and who they believe is trustworthy in this world of ever-increasing misinformation, conspiracy theories and keyboard warriors. During the enormous uncertainty of this pandemic, the circumstances can be fuel for mistrust or an opportunity to build trust.
This document summarizes research on millennial housing demand in the United States. It finds that millennial household formation and homeownership have been suppressed since the Great Recession due to high unemployment, stagnant incomes, high student debt loads, and barriers to mortgage credit. However, as millennials age and economic conditions continue improving, their housing demand is projected to increase and support growth in both the rental and homeownership markets. The large size of the millennial generation means unlocking their housing potential could have significant implications, including boosting demand for affordable rentals and expanding access to homeownership through low down payment loans and outreach to minority groups.
This survey of 802 registered voters ages 18-64 in New Jersey found:
- 58% believe New Jersey should develop its own health insurance exchange while 30% think the federal government should run it.
- About 60% say it is extremely or very important for New Jersey to pass exchange legislation in 2012.
- Nearly two-thirds prefer plans be chosen based on quality and value through competitive bidding rather than minimum standards.
- Around 60% strongly agree consumers should make up the majority of the exchange governing board, while nearly half strongly disagree insurance companies should be represented.
The document summarizes several news stories:
1) A study found that 60% of employees have medical deductibles over $1,200, showing the rising costs of healthcare in the US.
2) The percentage of unbanked US households hit a record low of 7% last year, but over a quarter of households are still unbanked or underbanked.
3) Research warns that the percentage of women in computing jobs will decline to 22% by 2025 unless more is done to encourage women to study computer science.
4) Stock markets indexes tracking companies that benefit from Clinton or Trump fell similarly after the final debate, suggesting the election outcome is now seen as a risk by investors
Understanding the vocabulary of health insurance helps in selecting and using coverage effectively. eHealthInsurance commissioned a national study to determine public awareness of select health insurance terminology and the specifics of health insurance coverage. Americans admit to a health insurance vocabulary deficit.
Only a fourth (23%) feel they are very sure of what the terminology used in their health insurance policy actually means.
A third are somewhat sure of what the terminology actually means (32%).
One-fourth are not very sure (13%) or have no idea (10%) what the terminology used in their health insurance policy means.
One-fifth report they don’t have health insurance (21%).
The public demonstrates its lack of familiarity with health insurance terminology by not knowing what some of the key abbreviations stand for.
Only one-third of Americans (36%) can volunteer that HMO stands for health maintenance organization.
Only one-fifth (20%) recall that PPO stands for Preferred Provider Organization.
Only one out of nine (11%) recalls that HSA stands for Health Savings Account.
When asked how sure they were with some of the specifics of their health insurance policy, most people said they were very sure of the amount of their co-payment (61%), but half or fewer were very sure they knew the amounts of other basic elements of their coverage:
Half said they were very sure of what they paid for their health insurance premiums (50%).
45% were very sure of their annual deductible.
41% were very sure of the level of their plan’s co-insurance.
35% were very sure of their maximum annual out-of-pocket costs.
For each of these items, one-fifth indicated that the questions were not relevant since they did not have health insurance (21%).
- Trust in Canada has declined over the past two years, notably a sharp 10% decline in trust in government between 2021-2022. Overall trust in NGOs, media, business and government has dropped from 37% in 2021 to 34% in 2022.
- Medical doctors at 78% and scientists at 75% remain the most trusted sources for information. Politicians have very low trust at 18%.
- Approximately half of Canadians report feeling stressed and anxious due to the pandemic, and those individuals show lower levels of trust across many areas compared to those who feel less stressed.
CanTrust Index: COVID-19 Impact Update September 2020Proof
Now in its 5th year, Proof’s CanTrust Index is a leading source of research and understanding of trust in Canada. For 2020, we conducted our robust study in our usual January time period (as COVID-19 began to sweep around the world), and a smaller follow-up survey in early May after Canada had entered a lock-down. Our data shows that Canada’s trust story is in many ways stable, and during this pandemic, both doctors and scientists are rising into stratospheric trust levels. Our research also finds trust is particularly strong in essential services such as local hospitals, banks and grocery stores. Worryingly, our CEOs and senior leaders are losing trust and need to do better. Recovery plans should include building trust.
This proposal recommends establishing a federal governing body to oversee investment in preventing and treating youth problem gambling (YPG). YPG affects up to 500,000 youth in the US and leads to negative long-term outcomes including increased risk of addiction, criminal behavior, and health issues. The proposal outlines evidence-based interventions for prevention, education, treatment, enforcement, and research of YPG through a public-private collaboration. These include using mobile technology for transparency and intervention planning, screening youth in primary care, cognitive behavioral therapy, and family training programs. It also recommends further longitudinal research on YPG.
Critics of the new legislative maps unveiled by Indiana House Republicans say they "have have historically extreme levels of partisan bias.” Women4Change Indiana engaged national gerrymandering expert Dr. Christopher Warshaw to analyze the new maps for US Congressional districts and the districts for Indiana House of Representatives presented by the Indiana House Elections Committee on Tuesday.
Proof Strategies CanTrust Index 2022 Summary of FindingsBrockPoirier1
The document summarizes the key findings of the 2022 Proof Strategies CanTrust Index, which measures trust in Canada. Some of the main findings include:
- The aggregate trust index, which measures trust in organizations like NGOs, media, business and government, has declined from 45% in 2016 to 34% in 2022.
- Trust in government has seen a significant 10% decline between 2021-2022, driven partly by stress and anxiety from the pandemic.
- Medical doctors and scientists remain the most trusted sources of information, while politicians have very low trust at 18%.
- Regional differences exist, with residents of the Prairie provinces expressing the lowest levels of trust on most issues.
Biden leads by double digits as coronavirus takes a toll on the president, Po...Dr Matt Boente MD
President Trump faces a significant challenge in his bid to win reelection in November, with former vice president Joe Biden holding a double-digit lead nationally and the president’s approval ratings crumbling amid a spreading coronavirus pandemic and a weakened economy, according to a Washington Post-ABC News poll.
The Rockefeller Center at Dartmouth College conducted a poll of 433 registered New Hampshire voters on politics, economics, and social issues. Key findings include:
- Over three-quarters of voters support universal background checks for firearm sales.
- Views of the state and national economy have improved since last year.
- Senator Ayotte's unfavorable rating increased by 7% after her vote against expanded background checks.
- In hypothetical 2014 Senate matchups, Senator Shaheen leads potential challengers Jeb Bradley and Scott Brown. In 2016 presidential matchups, Hillary Clinton leads Chris Christie and Marco Rubio.
This document discusses how growth complex theory applies to police departments. It argues that police departments act in their own self-interest to survive and grow by maintaining budgets and public image. This can lead to lower hiring standards to compete with criminals and justify funding. The document then reviews literature on factors that may influence police behavior and department growth, such as officer education levels, age, race, gender, and training. Higher education is linked to better officer performance and less excessive force. Younger officers and those without college degrees are more likely to be involved in shootings.
Americans' Experience with the Health Care System in 2018Anne Marie Moran
The document summarizes key findings from an Ipsos study on Americans' health care experiences. Some of the main findings include:
- Americans are very concerned about health care costs, more so than other expenses like retirement or college. Premiums, deductibles, and co-pays are the top cost concerns.
- Over half of Americans say their out-of-pocket health care costs have increased in the past two years. Younger generations and those with private insurance see more cost increases.
- Americans mostly blame health insurance companies and pharmaceutical companies for rising out-of-pocket costs. The federal government is also seen as responsible by some.
- Overall quality of U.S. health care
Central banks continue to be positive on gold, with 21% of central banks intending to increase their gold reserves over the next 12 months according to a survey. Central banks are increasingly valuing gold's performance during crises as this now tops their rationale for holding gold. However, central banks have less conviction about the overall trend in central bank gold holdings increasing compared to last year. Nearly half of central banks plan to increase their allocation to sustainable bonds in the next 12 months.
Resourcefulness, creativity can help further your nonprofit's missionGrant Thornton LLP
Not-for-profit organizations are seeking to expand their impact and grow revenue by strategically investing resources in key markets with long-term potential. One such organization, Be The Match, entered three new cities to gain access to more potential donors and volunteers. They focus on broadening ethnic diversity of donors to better serve underrepresented groups. Creativity and partnerships can also help further missions - for example, Boeing transports toys for orphans in Iraq when delivering planes, and Samuel Adams partners with Accion to provide coaching to entrepreneurs. Not-for-profits are also quantifying outcomes to demonstrate true value and impact to donors through transparency.
This document summarizes a presentation on digital marketing and website design. It provides tips for engaging customers online, including:
- Using contrasting colors and clear calls to action to guide users' attention.
- Testing different designs, offers, and subject lines to see what performs best.
- Tailoring websites to specific goals like direct sales, non-profit fundraising, or brand awareness.
- Including appetizing product photos, user testimonials, and educational content.
Avoiding the “Break-Up”: A Data-driven Approach to Increasing Engagement and ...Vivastream
This document discusses using data-driven approaches to increase customer engagement and reduce churn. It outlines using qualitative analysis, descriptive analytics, and predictive models to better understand customer expectations, behavior, and needs over time. The goal is to proactively address reasons for customer "break-ups" like misaligned expectations or unmet needs. Predictive models can score customers by attrition risk and recommend the best actions, like customized offers, to retain high value customers. Taking this holistic analytical approach can provide insights to continuously improve customer relationships.
Big Data for Social, Search and Online DisplayVivastream
The document discusses how big data can be used at various stages of marketing, advertising, and within enterprises. It provides examples of how big data can help improve conversion rates, order sizes, profitability, lifetime value predictions, and influencer identification. The document also discusses using big data for geographic targeting, personalization, search engine optimization, social media strategies, and paid search campaigns.
The Intersection of Social Media and DirectVivastream
The document discusses the intersection of social media and direct marketing. It provides an overview of key trends in social media and commerce, comparing elements of direct response and social media. It examines how brands can integrate social media into existing marketing channels through case studies. The document also looks ahead at how social media could become the new customer relationship management program and customer service platform. It emphasizes developing engaging content and having a clear call to action when leveraging social media for direct marketing purposes.
This document discusses marketing return on content and outlines McMurry/TMG's approach. It defines return on content as a commitment to providing measurable success for clients through intelligent data presentation, insights, and recommended actions. A five step path is provided: 1) identify goals, 2) define measurement points like sales, leads, and actions, 3) track, 4) measure, and 5) consistently optimize. Measurement points can track online and offline actions, consumption metrics, and engagement. The overall message is that return on content marketing requires identifying goals, tracking key metrics, analyzing data, reporting insights, and optimizing strategies.
This document summarizes an agenda for discussing strengths and weaknesses of small businesses. It includes:
- A SWOT analysis where participants identify their own business's strengths, weaknesses, opportunities, and plans. Strengths of small businesses mentioned include feeling valued, differentiation, and engagement. Weaknesses include limited scale, taking on many roles, and difficulty competing on price.
- Breakout groups were asked to choose a business and identify one of its strengths and weaknesses to present on.
- The document provides guidance on value propositions, differentiation, engagement, and overcoming weaknesses like limited scale and competing roles through teamwork and leveraging channels. It aims to help small businesses identify their own strengths and weaknesses.
Do Wealthy People Click? Silversea Cruises Leveraging Digital MediaVivastream
Silversea Cruises presented a digital marketing strategy to target affluent consumers for luxury cruises. Key points included segmenting affluent consumers based on income, net worth, and age. The strategy involved optimizing the website for SEO, implementing a targeted media mix across search, social, display, and email. Initial results showed an increase in leads and a decrease in CPL. Future plans included continuing optimization, addressing younger affluents, leveraging social monitoring, and balancing the media mix for maximum ROI.
The document summarizes findings from several surveys and studies related to financial literacy in the United States:
1) A 2017 America Saves survey found that only 38% of households report good savings progress, while 27% report no progress. Lower-income households report much less savings progress than higher-income households.
2) A 2016 NEFE survey found that 78% of Americans experience financial stress from issues like saving money and debt management. Nearly half live paycheck to paycheck.
3) A 2016 Wells Fargo study found that 64% of working Millennials believe they will never save $1 million for retirement, and 59% have started saving while 41% have not due to insufficient earnings.
- The document discusses a survey of Americans ages 50-70 who have experienced "retirement derailers," or unexpected life events that disrupted their retirement plans.
- The average respondent experienced four derailers which cost $117,000 in savings. Common derailers included market declines during the recession and supporting children/grandchildren.
- Despite setbacks, most respondents viewed their path to retirement positively. However, over half said derailers seriously impacted their finances, with more derailers linked to greater costs.
Proactive patient engagement can lead to lower cost of care and better outcomes. Giving patients the tools to keep track of care outside of the doctor’s office makes it easier for them to adhere to their care plan and stay on the path to better outcomes
New Yorkers struggle with high healthcare costs and support government solutions. A survey found over half of New York adults faced healthcare affordability burdens in the past year, including being uninsured, delaying care due to costs, and struggling to pay medical bills. Most were worried about affording future healthcare costs. Support for government action to lower costs and increase access was high across political parties. New Yorkers reported the highest affordability burdens in New York City and support a range of policies like lowering drug and hospital prices.
Chepenik Financial 1st Quarter (2019) Plan Sponsor UpdateCourtney Gladden
- Employees have unrealistic expectations about retirement that differ from reality, such as when they will retire and how much income they will need. This can cause difficulties in transitioning to retirement.
- There are key differences in what workers expect versus reality, such as relying more on social security than retirees do and claiming benefits earlier than maximizes payouts.
- Employers can help by communicating effectively with employees to address these perception vs reality gaps and help smooth the transition to retirement.
Single Parenting Essay. Check my Essay: Single parent struggle argumentative ...Mimi Williams
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1. 1
The 2013 Consumer Financial Literacy Survey
Prepared For:
The National Foundation for Credit Counseling
and
The Network Branded Prepaid Card Association
Prepared By:
Harris Interactive Inc.
Public Relations Research
2. 2
Survey Methodology
The 2013 Financial Literacy survey was conducted online within the United States by Harris Interactive on behalf of the
NFCC (National Foundation for Credit Counseling) and the NBPCA (the Network Branded Prepaid Card Association) via
its QuickQuery omnibus between March 4 and March 6, 2013 among 2,037 adults ages 18+. Figures for age, sex,
race/ethnicity, education, region and household income were weighted where necessary to bring them into line with their
actual proportions in the population. Propensity score weighting was used to adjust for respondents’ propensity to be
online. Prior to this year, this survey was conducted by telephone.
All sample surveys and polls, whether or not they use probability sampling, are subject to multiple sources of error which
are most often not possible to quantify or estimate, including sampling error, coverage error, error associated with
nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments.
Therefore, Harris Interactive avoids the words “margin of error” as they are misleading. All that can be calculated are
different possible sampling errors with different probabilities for pure, unweighted, random samples with 100% response
rates. These are only theoretical because no published polls come close to this ideal.
Respondents for this survey were selected from among those who have agreed to participate in Harris Interactive surveys.
The data have been weighted to reflect the composition of the adult population. Because the sample is based on those
who agreed to participate in the Harris Interactive panel, no estimates of theoretical sampling error can be calculated.
Significance Testing
When results from sub-groups of a sample appear in the detailed tabulations, an indicator of statistically significant
differences is added to the tables run on our standard demographic banners. Significance testing is done to the 95%
confidence level, and the test is performed on percentages as well as mean values. Each sub-sample is assigned a
letter. When the percentage of one sub-sample is significantly different from the percentage of another sub-sample, the
letter representing one of the two samples appears next to the percentage (or mean) of the other sample.
For instance, the percentage of males answering yes to a particular question may be compared to the percentage of
females answering yes to the same question. In the example below, the male sample is assigned the letter B, and the
female sample is assigned the letter C. Here, respondents were asked whether a certain business practice is acceptable.
67% of women said that it was -- a proportion significantly greater than the 57% of males who believe that the practice is
acceptable. To indicate that women are significantly more likely to find the practice acceptable than are men, the letter B -
- the letter assigned to the male sub-sample -- appears next to the “67%” in the female column. Similarly, the 37% of men
that find the practice unacceptable is significantly greater than the 29% of women who do so and, therefore, the letter C --
the letter assigned to the female sub-sample -- appears next to the “37%” in the male column.
Sex
Total Male
Fe-
male
(A) (B) (C)
Unweighted Total 977 488 489
Weighted Total 967 464 503
Acceptable 611 274 337
63% 57% 67%B
Not Acceptable 319 171 148
33% 37%C 29%
Don’t Know 37 18 19
4% 4% 4%
3. 3
Key Findings
Budget, Spending, and Savings
In 2013, two in five U.S. adults (40%) – a proportion that has held roughly steady since 2007 – say they have a budget
and keep close track of their spending.
As in 2011 and 2012, more than one in four (27%) say they are now spending more than last year. The proportion of
adults who are spending less compared to the previous year has continued to decline since 2009 when this question was
first asked (57% 2009, 51% 2010, 42% 2011, 39% 2012, 32% 2013).
Though possibly due to mode effects, this year, more than two in three U.S. adults (69%) – a 10-percentage point
increase since last year (59% 2012) – say they have non-retirement savings, and nearly three in ten (29%) are now
saving more than last year.
Nevertheless, insufficient savings tops the list of U.S. adults’ financial worries: more than two in five U.S. adults (43%), or
about 100 million people
1
, say not having enough “rainy day” savings for an emergency worries them most, and nearly the
same proportion (38%) are worried about retiring without having enough money set aside.
Getting Paid and Paying Bills
When they get paid by an employer or receive benefits from a government agency, the majority of U.S. adults (69%), or
more than 161 million Americans
2
, receive an electronic check that is directly deposited into their bank account, and about
one in five (19%) receive a paper check that they manually deposit into their account.
About seven in ten U.S. adults (71%) – more so than in 2012 (64%) and 2011 (68%) – say they pay all of their bills on
time and have no debts in collection. At the same time, the proportion of adults who do not pay all of their bills on time has
decreased from 33% in 2012 to 26%, or nearly 61 million Americans3
, in 2013.
Credit Cards and Credit Reporting
Fewer than two in five U.S. adults (37%), or about 86 million people
4
, carry credit card debt from month to month – a
proportion that has declined since 2009 when this question was first asked (44% 2009, 41% 2010, 40% 2011, 39% 2012).
Though more than one in three (35%) have ordered a copy of their credit report and two in five (40%) have ordered or
received their credit score in the past 12 months, most adults have reviewed neither their credit score (60%) nor their
credit report (65%) within the past year.
Knowledge of Personal Finance
The plurality of U.S. adults continue to learn about personal finance primarily from their parents or at home (33%), yet
nearly four in five adults (78%) agree – and more than one in four (27%) strongly agree – that they could benefit from
additional advice and answers to everyday financial questions from a professional.
In fact, as in 2011 and 2012, many adults (40% 2013, 42% 2012, 41% 2011) now give themselves a grade of C, D, or F
on their knowledge of personal finance, marking a statistically significant change from 2010, when as many as nearly 2 in
3 adults (65%) gave themselves an A or B.
1
Calculation based on U.S. Census Bureau’s 2010 Census, which estimates there are 234.6 million adults ages 18+ residing in the
United States: 234.6M x 0.43 = 100.878M.
2
Calculation based on U.S. Census Bureau’s 2010 Census, which estimates there are 234.6 million adults ages 18+ residing in the
United States: 234.6M x 0.69 = 161.874M.
3
Calculation based on U.S. Census Bureau’s 2010 Census, which estimates there are 234.6 million adults ages 18+ residing in the
United States: 234.6M x 0.26 = 60.996M.
4
Calculation based on U.S. Census Bureau’s 2010 Census, which estimates there are 234.6 million adults ages 18+ residing in the
United States: 234.6M x 0.37 = 86.802M.
4. 4
Key Findings (continued)
Financial Problems and Credit Counseling
If they were having financial problems related to debt, U.S. adults continue to say they would first turn to their friends and
family for help (28%). When asked why they would not reach out to a professional non-profit credit counseling agency,
more than one in five adults (22%) said they can resolve their own problems without outside help. At the same time,
however, more than one in four (27%), or more than 63 million Americans5
, indicated that, if they were having financial
problems related to debt, they would reach out to a professional non-profit credit counseling agency for help.
Prepaid Debit Cards
In the past 12 months, 8% of U.S. adults – or more than 18 million people6
– have used a prepaid debit card, and 6% –
about 14 million Americans
7
– typically use such cards to pay for everyday transactions such as groceries, gas, dining out,
paying bills, and shopping online.
Those who regularly use prepaid debit cards8
do so primarily because they are convenient (59%). Additionally, nearly half
(46%) say prepaid debit cards are safer than carrying cash, and two in five (40%) cite the inability to overspend. Only one
in four (24%) say they use prepaid debit cards because they have no other payment or banking options.
Nearly two in five prepaid debit card users (37%) say they use such cards because they enable them to better manage
their money – in fact, about four in five (81%) feel more in control of their money with a prepaid debit card than a debit
card connected to a checking account at a bank or credit union, and more than two in five (43%) strongly agree.
A majority of prepaid debit card users report that their card(s) offer:
9 Direct deposit of payroll and/or benefits (61%);
9 The ability to pay bills (60%) and make retail purchases (53%); and,
9 Access to cash at ATMs (51%).
More than one in four (28%) say their prepaid debit card currently offers overdraft protection, though as many as seven in
ten (71%) wish they had the option to enroll in overdraft protection and more than two in three (68%) say they would feel
more at ease when using their prepaid debit card if it offered such protection.
5
Calculation based on U.S. Census Bureau’s 2010 Census, which estimates there are 234.6 million adults ages 18+ residing in the
United States: 234.6M x 0.27 = 63.342M.
6
Calculation based on U.S. Census Bureau’s 2010 Census, which estimates there are 234.6 million adults ages 18+ residing in the
United States: 234.6M x 0.08 = 18.768M.
7
Calculation based on U.S. Census Bureau’s 2010 Census, which estimates there are 234.6 million adults ages 18+ residing in the
United States: 234.6M x 0.06 = 14.076M.
8
Caution – small base (<100). Results should be interpreted as qualitative, or directional, in nature.
5. 5
Posted Topline Data
Q1 (Q1005) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Total 2008
%
Total 2007
%
Which of the following best
describes how you manage your
money?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000) (n= 1,001) (n= 1,003)
A B C D E F G
I have a budget and keep close track of
how much I spend on such things as
food, housing and entertainment
40 43 43 43 G 42 42 39
Don’t Have A Budget (Net) 60
BCDF
56 56 56 57 N/A N/A
I have a somewhat good idea about
how much I spend on such things as
food, housing and entertainment, but I
don’t keep strict track of my spending
on these things
48
BCDEFG
34 34 37 39 BC 35 36
I don’t have a good idea how much I
spend on such things as food,
housing and entertainment, but I keep
track of my overall spending and try to
stay within certain limits that I’ve set
for myself
8 15 AEF 15 AEF 14 AE 11 A 12 A 15 AEF
I don’t have a good idea how much I
spend on such things as food,
housing and entertainment, and I
often don’t keep track of my overall
spending
4 7 AD 7 AD 5 7 AD 7 AD 7 AD
Don’t know N/A 1 1 1 1 2 D 2 D
Refused N/A * * * * 2 1
6. 6
Q2 (Q1007) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Total 2008
%
Which of the following best describes your
financial situation?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000) (n= 1,001)
A B C D E F
I pay all of my bills on time and have no debts
in collection
71 B 64 68 69 B 70 B 69 B
Do Not Pay All Bills On Time (Net) 26 33 ACDE 28 28 26 N/A
I sometimes miss a payment but have no
debts in collection
10 15 AEF 14 AEF 13 AE 10 11
I struggle to pay my bills every month but
have no debts in collection
8 11 AC 8 9 10 9
I am getting calls from collectors and
struggle to pay my bills every month
5 4 4 4 4 5
I am seriously considering filing for
bankruptcy or have filed for bankruptcy in
the past three years
2 3 2 2 2 2
I am not involved at all in any financial
decisions including how money is spent in our
household
3 BCDE 1 1 2 BCE 1 2
Don’t know N/A 2 D 2 D 1 1 2 D
Refused N/A * 1 1 1 1
Special Net: No debts in collection 90 90 89 91 91 N/A
Special Net: Debts in collection 7 7 7 6 6 N/A
7. 7
*Multiple responses were allowed.
Q3 (Q1010) Total 2013
%
Which of the following areas of personal finance currently worries you most? * Base: Adults 18+ Base: Have
Financial Worries
(n= 2,037) (n= 1,613)
Have Financial Worries (Net) 77 100
Not Enough Savings (Sub-Net) 57 75
Not enough “rainy day” savings for an emergency 43 56
Retiring without having enough money set aside 38 49
Not Being Able To Pay (Sub-Net) 26 33
Not being able to pay my credit card debt 13 17
Not being able to repay my student loan debt 8 11
Not being able to make my monthly vehicle payments 7 9
Not being able to pay my existing medical debt 6 8
Health Insurance (Sub-Net) 25 32
Not being able to afford health insurance 19 24
Not having any health insurance 17 22
Credit Score/Access (Sub-Net) 19 25
My credit score 16 21
My lack of access to credit 9 12
Losing my job 18 24
Losing my home to foreclosure 4 5
Other 7 9
None – I do not have any financial worries. 20 N/A
Not sure 3 N/A
8. 8
*Multiple responses were allowed.
Q4 (Q1012) Total 2013
%
Total 2012
%
When you get paid – for example, by an employer or benefits from a government
agency – how do you typically get the money? Do you receive…? *
Base: Adults 18+
(n= 2,037) (n= 1,007)
A B
Any (Net) 95 96
Electronic Check (Sub-net) 73 73
An electronic check that is directly deposited into my account at a bank or credit union 69 69
An electronic check that is directly deposited to a prepaid debit card, such as a non-credit
Visa or MasterCard on which you can load your own funds or receive government payroll
funds
6 11 A
Paper Check (Sub-net) 23 38 A
A paper check that I then manually deposit into my account at a bank or credit union 19 32 A
A paper check that I then cash at a check cashing store 3 11 A
A paper check that I then manually deposit to a prepaid debit card, such as a non-credit
Visa or MasterCard on which you can load your own funds or receive government payroll
funds
3 8 A
Cash 7 12 A
Some other form of payment 2 4 A
None of these 5 B 3
Don’t know N/A *
Refused N/A 1
Special Net: Prepaid debit card 8 16 A
9. 9
*Multiple responses were allowed.
Q5 (Q1015) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Total 2008
%
Do you have any savings,
excluding retirement savings?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000) (n= 1,001)
A B C D E F
Yes 69 BCEF 59 64 B 67 BF 65 B 63
No 31 39 ACDE 33 30 32 36 AD
Don’t know N/A * 1 1 * *
Refused N/A 2 2 2 F 2 1
Q6 (Q1017) Total 2013
%
Total 2012
%
Where do you currently keep your non-retirement
savings? / If you were to start saving, but not
specifically for retirement, where do you think you
would keep your savings? *
Base: Have any
savings,
excluding
retirement
savings
Base: Do not
have any
savings,
excluding
retirement
savings
Base: Have any
savings,
excluding
retirement
savings
Base: Do not
have any
savings,
excluding
retirement
savings
(n= 1,371) (n= 666) (n= 672) (n= 313)
A B C D
Any (Net) N/A N/A 98 97
Account at bank or credit union (Sub-net) 84 BD 77 85 BD 75
In a savings account at a bank or credit union 77 BD 64 78 BD 69
In a checking account at a bank or credit union 28 B 21 50 ABD 42 AB
In a non-retirement investment account such as
mutual funds or other brokerage platform
28 B 10 45 ABD 26 B
At home in cash 10 19 AC 11 25 ABC
In a savings program for a prepaid debit card, such
as a non-credit Visa or MasterCard on which you
can load your own funds or receive government
payroll funds
5 5 5 19 ABC
Somewhere else 6 6 17 AB 17 AB
None of these N/A N/A * 3
Don’t know N/A N/A * *
Refused N/A N/A 1 *
10. 10
Q7 (Q1020) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Total 2008
%
On average, what percentage of
your household’s income do you
save every year for retirement?
Base: Adults 18+
(n= 2,037 (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000) (n= 1,001)
A B C D E F
0% or nothing 31 36 AF 32 33 F 33 F 28
Any (Net) 59 59 61 E 59 56 N/A
1% to 10% 37 F 35 35 35 34 33
11% to 20% 16 16 17 17 16 16
More than 20% 6 8 A 9 AE 7 6 8 A
Already retired N/A N/A N/A N/A N/A 8
Decline to answer 10 N/A N/A N/A N/A N/A
Don’t know N/A 4 4 5 8 BCD 6 BC
Refused N/A 2 3 3 2 2
11. 11
* Multiple responses were allowed.
Q8 (Q1022) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Under what circumstances, if any, would you
consider it justifiable for someone to default on a
mortgage? *
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028)
A B C D
Any (Net) 67 86 ACD 82 A 80 A
The borrower was misled about the terms of the loan 37 56 AD 54 AD 49 A
The lender would not work with the borrower to modify
the mortgage
31 47 AD 43 A 43 A
The borrower could no longer afford the monthly
payment
30 55 ACD 49 A 46 A
The property is now worth less than what is owed on it 20 24 A 29 ABD 23 A
The emotional stress of trying to meet the payment
each month is overwhelming
15 33 A 34 AD 30 A
The borrower needs to relocate 9 31 ACD 26 A 26 A
The property is not the borrower’s primary residence 4 16 A 17 A 16 A
The property is an investment property only 3 16 A 16 A 14 A
Other 4 30 ACD 24 AD 18 A
None 33 BCD 12 16 B 15 B
Don’t know N/A 2 2 4 BC
Refused N/A * * 1
12. 12
Q9 (Q1025) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Total 2008
%
Have you ordered a copy of your
credit report in the past 12 months?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000) (n= 1,001)
A B C D E F
Yes 35 38 D 34 34 34 37
No 65 62 65 65 64 62
Don’t know N/A * * 1 1 1
Refused N/A * * * 1 *
Q10 (Q1027) Total 2013
%
Total 2012
%
Total 2011
%
Have you ordered or received your
credit score in the past 12 months?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010)
A B C
Yes 40 44 AC 37
No 60 B 55 63 B
Don’t know N/A 1 *
Refused N/A * *
13. 13
Q11 (Q1030) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Roughly how much credit card debt, if
any, does your household carry from
month to month?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000)
A B C D E
Any (Net) 37 39 40 41 A 44 AB
Less than $2,500 (Subnet) 21 25 A 28 A 25 A 28 A
$1 to $499 8 10 14 ABE 13 AB 11 A
$500 to $999 5 6 6 5 7 AD
$1,000 to $2,499 8 9 8 8 10
$2,500 or More (Subnet) 16 C 14 12 16 C 16 C
$2,500 to $4,999 4 5 4 5 5
$5,000 to $9,999 5 C 5 C 3 5 C 5 C
$10,000 or more 7 BCD 4 4 5 6 BC
None 45 53 ADE 50 A 48 46
Decline to answer 18 N/A N/A N/A N/A
Don’t know N/A 4 5 7 BC 6 B
Refused N/A 4 6 BDE 4 4
14. 14
Q12 (Q1032) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
In the last 12 months, have you…? * Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000)
A B C D E
Any (Net) 35 C 38 C 30 40 AC 40 AC
Applied for a new credit card 17 CDE 15 CDE 10 12 11
Been rejected for a new credit card 8 CDE 7 CD 4 5 6 C
Been late making a credit card payment 8 11 A 9 12 AC 15 ABCD
Cancelled a credit card 6 13 A 12 A 17 ABC 15 AC
Transferred the balance from one credit card to
another
6 5 5 6 7
Made a payment that was less than the minimum
payment required
4 4 4 5 7 ABCD
Missed a credit card payment 4 8 AC 5 8 AC 8 AC
Obtained a cash advance from my credit card
company
3 3 4 4 4
Consolidated my credit card debt into a personal
bill consolidation loan
2 B 1 2 2 B 2
None of these 65 BDE 61 69 ABDE 59 58
Don’t know N/A 0 * * *
Refused N/A * 1 1 1
* Multiple responses were allowed.
15. 15
* Multiple responses were allowed.
Q13 (Q1037) Total 2013
%
Total 2012
%
In the past 12 months, what financial services, if any, have you used? * Base: Adults 18+
(n= 2,037) (n= 1,007)
A B
Any (Net) 90 90
Account at bank or credit union (Subnet) 76 77
Checking account at a bank or credit union 72 72
Savings account at a bank or credit union 52 53
Credit card 61 B 48
Debit Card/Prepaid Debit Card (Subnet) 55 64 A
Debit card connected to a checking account at a bank or credit union 52 58 A
Prepaid debit card, such as a non-credit Visa or Mastercard on which you
can load your own funds or receive government or payroll funds
8 15 A
Non-retirement investment account such as mutual funds or other brokerage
platform
14 17 A
Overdraft from your checking account at a bank or credit union 9 16 A
Check cashing store 3 6 A
Payday or title lender 3 3
Some other type of financial service 4 8 A
None of these 10 10
Don’t know N/A 0
Refused N/A *
16. 16
Q14 (Q1040) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Compared to one year ago, how has the current
economic climate affected your spending? Are
you now spending…?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000)
A B C D E
More (Net) 27 DE 28 DE 26 DE 18 18
A lot more than last year 11 DE 10 E 9 8 7
A little more than last year 17 DE 18 DE 17 DE 10 10
The same as last year 40 BCDE 32 E 31 E 31 E 24
Less (Net) 32 39 A 42 A 51 ABC 57 ABCD
A little less than last year 18 19 23 AB 28 ABC 30 ABC
A lot less than last year 14 21 A 19 A 23 AC 27 ABCD
Don’t know N/A * 1 1 *
Refused N/A * * * 1
Q15 (Q1042) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Compared to one year ago, how has the current
economic climate affected your saving habits?
Are you now saving…?
Base: Adults 18+
(n= 2,037) (n = 1,007) (n= 1,010) (n= 2,028) (n= 1,000)
A B C D E
More (Net) 29 BCDE 21 22 24 23
A lot more than last year 9 B 5 7 8 B 9 B
A little more than last year 20 BCDE 16 14 17 C 15
The same as last year 46 BCDE 38 41 38 39
Less (Net) 25 40 ADE 36 A 36 A 35 A
A little less than last year 11 19 AE 19 AE 18 AE 15 A
A lot less than last year 13 21 AD 18 A 17 A 20 AD
Don’t know N/A 1 1 1 1
Refused N/A 0 * 1 2 D
17. 17
*Multiple responses were allowed.
Q16 (Q1045) Total 2013
%
Total 2012
%
How do you typically pay for everyday transactions including, but not
limited to, groceries, gas, dining out, paying bills and online shopping,
etc.? Do you use…? *
Base: Adults 18+
(n= 2,037) (n= 1,007)
A B
Debit Card/Prepaid Debit Card (Net) 56 68 A
A debit card connected to a checking account at a bank or credit union 53 63 A
A prepaid debit card, such as a non-credit Visa or Mastercard on which you
can load your own funds or receive government or payroll funds
6 13 A
Cash 52 89 A
Checks 22 55 A
Credit card 45 53 A
Some other form of payment 4 10 A
Don’t know N/A 1
Refused N/A *
18. 18
*Multiple responses were allowed.
** Caution – small base.
Q17 (Q1047) Total 2013
%
Total 2012
%
Why do you use prepaid debit cards? Is it because…? *
Base: Typically pay for transactions using a
prepaid debit card
(n= 91**) (n= 89**)
A B
Any (Net) 96 97
They are convenient 59 78 A
They are safer than carrying cash 46 73 A
I am not able to overspend, or spend money I don’t have 40 72 A
They enable me to better manage my money 37 56 A
My money would be replaced if the card is lost or stolen 21 53 A
There is no minimum balance requirement 37 52 A
They offer lower or fewer fees than your other payment or banking options 24 36
I have no other payment or banking options 24 25
Some other reason 15 28 A
None of these 4 1
Don’t know N/A 2
Refused N/A 0
19. 19
*Multiple responses were allowed.
** Caution – small base.
Q18 (Q1050) Total 2013
%
Which of the following features or services, if any, does your prepaid debit card offer?
If you have more than one prepaid debit card, please think of the features or services
offered across all of your prepaid debit cards. *
Base: Typically pay for
transactions using a prepaid
debit card
(n= 91**)
Any Listed (Net) 92
Direct Deposit (Sub-Net) 61
Direct deposit of payroll 40
Direct deposit of government benefit payments (e.g., Social Security, unemployment,
veterans, disability)
39
Direct deposit of tax refunds 28
Direct deposit of student benefits 16
Ability to pay bills using my card 60
Ability to pay for retail purchases 53
Access to cash at ATMs 51
Overdraft protection in case I overdraw the account 28
Savings account option 19
Credit options 17
Multiple users, or cardholders, on the same account 15
None of these 2
Not sure 6
20. 20
** Caution – small base.
** Caution – small base.
Q19 (Q1052_1) Total 2013
%
Total 2012
%
How strongly do you agree or disagree with the following statement? Base: Typically pay for transactions using a
prepaid debit card
I feel more in control of my money with a prepaid debit card than a debit
card connected to a checking account at a bank or credit union.
(n= 91**) (n= 89**)
A B
Agree (Net) 81 70
Strongly agree 43 46
Somewhat agree 38 25
Disagree (Net) 19 30
Somewhat disagree 14 13
Strongly disagree 5 16 A
Don’t know N/A 0
Q19 (Q1052_2) Total 2013
%
Total 2012
%
How strongly do you agree or disagree with the
following statement? Base:
Adults 18+
Base: Typically pay
for transactions
using a prepaid
debit card
Base:
Adults 18+
Base: Typically pay
for transactions
using a prepaid
debit card
I have been surprised by a bank or credit union in
the past, for example, with unexpected charges,
holds on my money, or overdraft fees.
(n= 2,037) (n= 91**) (n= 1,007) (n= 89**)
A B C D
Agree (Net) 33 65 AC 39 A 53 AC
Strongly agree 13 39 AC 22 A 36 AC
Somewhat agree 20 C 27 C 17 17
Disagree (Net) 67 BCD 35 56 BD 45
Somewhat disagree 22 C 19 16 17
Strongly disagree 44 BD 16 41 BD 28 B
Don’t know N/A N/A 4 2
21. 21
** Caution – small base.
** Caution – small base.
Q19 (Q1052_3) Total 2013
%
Total 2012
%
How strongly do you agree or disagree with the following statement? Base: Typically pay for transactions using a
prepaid debit card
I have been surprised by a prepaid debit card in the past, for example,
with unexpected charges, holds on my money, or overdraft fees.
(n= 91**) (n= 89**)
A B
Agree (Net) 57 B 26
Strongly agree 33 B 11
Somewhat agree 24 16
Disagree (Net) 43 71 A
Somewhat disagree 15 20
Strongly disagree 27 51 A
Don’t know N/A 2
Q19 (Q1052_4) Total 2013
%
Total 2012
%
How strongly do you agree or disagree with the following statement? Base: Typically pay for transactions using a
prepaid debit card
My prepaid debit card is a better value, or costs me less, than using a
credit card or a debit card connected to a checking account at a bank
or credit union.
(n= 91**) (n= 89**)
A B
Agree (Net) 81 74
Strongly agree 46 43
Somewhat agree 35 31
Disagree (Net) 19 25
Somewhat disagree 14 14
Strongly disagree 5 11
Don’t know N/A 1
22. 22
** Caution – small base.
** Caution – small base.
Q19 (Q1052_5) Total 2013
%
How strongly do you agree or disagree with the following statement? Base: Typically pay for
transactions using a
prepaid debit card
I wish my prepaid debit card offered the option for me to enroll in overdraft protection. (n= 91**)
Agree (Net) 71
Strongly agree 41
Somewhat agree 30
Disagree (Net) 29
Somewhat disagree 15
Strongly disagree 13
Q19 (Q1052_6) Total 2013
%
How strongly do you agree or disagree with the following statement? Base: Typically pay for
transactions using a
prepaid debit card
I would feel more at ease when using my prepaid debit card if it offered overdraft protection for
those times I may overdraw my account.
(n= 91**)
Agree (Net) 68
Strongly agree 42
Somewhat agree 26
Disagree (Net) 32
Somewhat disagree 23
Strongly disagree 9
23. 23
Q20 (Q1055) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Total 2008
%
Thinking now about what you
have learned about personal
finance, where do you think that
you learned the most?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000) (n= 1,001)
A B C D E F
Any (Net) 78 90 ACDE 84 A 86 A 86 A N/A
From my parents or at home 33 44 AE 42 AE 41 AE 37 A 40 A
From the Internet 12 BCDE 6 CDE 4 4 4 N/A
From a financial professional 11 CD 10 8 8 12 CD 10
From self-help books or media 6 8 A 8 A 15 ABCF 15 ABCF 9 A
At work 6 E 5 7 DE 5 4 6 E
From school 5 10 ADF 9 AD 6 9 AD 7 A
From friends 5 7 A 6 6 6 5
Spouse or partner (VOL) N/A N/A N/A N/A N/A 2
Learned on own/myself (VOL) N/A N/A N/A N/A N/A 15
None of these 22 BCDE 9 15 BE 13 B 12 B N/A
Don’t know N/A * 1 1 1 4 CDE
Refused N/A * * * 1 2
Q21 (Q1057) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
On a scale from A to F, what grade would
you give yourself in terms of your
knowledge about personal finance?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000)
A B C D E
A/B (Net) 60 58 57 65 ABCE 58
A 18 19 21 22 AE 18
B 42 C 39 37 42 C 40
C 31 D 29 30 D 26 29
D/F (Net) 9 12 AD 11 D 8 12 AD
D 7 9 7 7 9
F 2 4 AD 5 ADE 2 3
Don’t know N/A * 1 1 B 1
Refused N/A * * * 1
24. 24
Q22 (Q1060) Total 2013
%
Total 2012
%
Total 2011
%
If you were having financial problems related to debt,
which of the following, if any, would you turn to for help
first?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010)
A B C
Any (Net) 86 95 AC 92 A
My friends and family 28 C 27 24
The lender or credit card company to see what solutions
they could offer
14 C 13 C 8
A do-it-yourself tool to help me pay down debt myself 14 14 15
A financial professional such as a Certified Public
Accountant (CPA) or financial planner
12 14 18 AB
A professional non-profit credit counseling agency 7 B 4 7 B
The lender or credit card company specifically about
settling the debt for less than the balance owed
4 6 A 7 A
A bankruptcy attorney 3 2 2
A debt settlement company to settle the debt for less than
the balance owed
3 3 3
Some other person or place 3 11 A 10 A
None of these 14 BC 4 5
Don’t know N/A 1 2
Refused N/A 0 *
25. 25
Q23 (Q1062) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
How strongly do you agree or disagree with the following
statement?
Base: Adults 18+
Considering what you already know about personal
finance, you could still benefit from some advice and
answers to everyday financial questions from a
professional.
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000)
A B C D E
Agree (Net) 78 80 C 76 78 80 C
Strongly agree 27 32 AC 28 31 A 35 AC
Somewhat agree 51 DE 48 48 46 45
Disagree (Net) 22 19 23 BE 21 19
Somewhat disagree 14 BDE 10 12 10 10
Strongly disagree 8 9 11 AE 12 ABE 8
Don’t know N/A 1 1 1 1
Refused N/A 0 * * *
Q24 (Q1065) Total 2013
%
Total 2012
%
Total 2011
%
Total 2010
%
Total 2009
%
Total 2008
%
Total 2007
%
How familiar, if at all, are you
with the National Foundation for
Credit Counseling, also known
as NFCC?
Base: Adults 18+
(n= 2,037) (n= 1,007) (n= 1,010) (n= 2,028) (n= 1,000) (n= 1,001) (n= 1,003)
A B C D E F G
Familiar (Net) 16 16 15 18 C 17 N/A N/A
Very familiar 3 D 2 2 2 2 2 3
Somewhat familiar 13 14 13 16 ACG 15 G 15 G 12
Not Familiar (Net) 84 F 83 F 85 D 82 82 N/A N/A
Not too familiar 21 BFG 17 20 FG 20 BFG 22 BFG 14 16
Not familiar at all 63 66 DE 65 E 62 60 65 E 68 ADE
Don’t know N/A * - * * 2 2
Refused N/A 0 * * * 1 *
26. 26
*Multiple responses were allowed.
Q25 (Q1067) Total 2013
%
For which of the following reasons, if any, would you not reach out to a professional non-profit
credit counseling agency for help if you were having financial problems related to debt?*
Base: Adults 18+
(n= 2,037)
Would Not Reach Out To Professional Non-Profit Credit Counseling Agency (Net) 55
I can resolve my own problems without outside help. 22
I don’t know which agency to turn to. 18
Credit counseling might cost too much. 17
I’ve never heard of professional non-profit credit counseling agencies. 11
It might hurt my credit report and credit score. 9
I would be embarrassed to discuss my financial problems with a stranger. 8
Credit counseling agencies only offer advice, not real solutions. 6
I might be required to close all my credit card accounts. 5
Debt settlement seems like a better solution. 4
It’s easier to file bankruptcy. 3
I trust my creditors to offer me the best solution. 3
Some other reason 5
Not sure 19
None – if I were having financial problems related to debt, I would reach out to a professional non-profit
credit counseling agency for help.
27