Financial Knowledge and Remittances Study Final Survey
|
|
- Alan Manning
- 5 years ago
- Views:
Transcription
1 Financial Knowledge and Remittances Study Final Survey 1. Last month did you use a newspaper, website or other source of information to compare the costs of sending money overseas? Yes go to Question 2 No go to Question 3 2. What sources of information did you use last month to compare costs and features of methods of sending money overseas? (mark as many as apply). Friends and other informal sources Newspaper, published articles or advertisements Radio or television Internet Other (please specify) 3. How many times did you send a remittance during the last two months? Zero Question 7 Twice Once Three or more times 4. Please provide details on the FIRST remittance you sent in the last two months: Amount (including any fees you paid) Method of sending the money Destination country Type of recipient (e.g Parent, Sibling, Church, Temple) How much local currency (e.g. Pa'anga, Rupee, RMB) do you think they got? 5. Please provide details on the SECOND remittance you sent in the last two months: Amount (including any fees you paid) Method of sending the money Destination country Type of recipient (e.g Parent, Sibling, Church, Temple) How much local currency (e.g. Pa'anga, Rupee, RMB) do you think they got? 6. Please provide details on the THIRD remittance you sent in the last two months: Amount (including any fees you paid) Method of sending the money Destination country Type of recipient (e.g Parent, Sibling, Church, Temple) How much local currency (e.g. Pa'anga, Rupee, RMB) do you think they got? Page 1
2 7. Have you sent more than one remittance to the same person within the last six months? Yes No Question 9 8. If you have sent more than one remittance to the same person within the last six months, why didn't you send it all as one transaction? (Tick all options below that apply) I was unexpectedly asked for money on more than one occasion during this period I was worried that if I sent the total all in one go, the receiver wouldn't be able to save it until they needed it I had to wait until I had earned enough to send It was cheaper or just the same cost to send it like this in smaller amounts rather than all in one go 9. What is the name of the remittance method, that in your opinion, is the cheapest way of sending $200 to someone in the overseas country that you remit to most often? IF YOU NEVER SEND REMITTANCES PLEASE SKIP TO QUESTION Did you use the method you think is cheapest, the last time you sent a remittance transfer? Yes Question 12 No 11. What is the MAIN reason why you did not use the method that you think is cheapest, the last time you sent a remittance transfer? The method I used is more convenient for me The method I used is more convenient for the receiver The method I used gets the money there faster than the cheapest method I don't know how to use the method I think is cheapest The savings in using the cheapest method aren't big enough to make it worth switching from something I know I trust the method I use more than other methods Other (please specify) 12. On average it costs about $20 $25 to make a typical remittance transaction of sending $200 $300 overseas. By how much would the cost per transaction have to be lowered for you to switch to using a different method of sending money? Amount by which cost per transaction needs lowered: $ Page 2
3 13. If you saved $100 per year by paying lower fees for sending remittances, how much of this extra money would you spend on each of the following: Sending more money to the remittance receiver Household spending needs Donations to church or other organizations Leisure spending Paying off debt Other 14. How likely is it that you will be sending remittances in the future? In the following boxes please give the percent chance (on a scale from 0 to 100) that you will send money overseas in: One Year's Time: Five Year's Time: Ten Year's Time: 15. In the last two months, have you applied for any of the following? Yes No A pay day loan A hire purchase loan A credit card The Westpac Express Prepaid Card A bank overdraft Any other type of loan or credit 16. For each of the following statements tick the circle that most closely reflects YOUR current views about banks and money. Strongly Neither agree Strongly Agree Disgree agree nor disagree disagree I feel welcome in a bank I would feel comfortable asking a bank employee for financial advice Banks don't want to do business with people like me I prefer to use an ATM than go to the bank teller I always keep track of how much money I spend each month I am confident in my ability to manage money Page 3
4 17. Consider a time of the year when your household finances are tightest (e.g. at the start of the school year, or Christmas, perhaps). Suppose a major household item like your TV or fridge breaks and needs replacement. How would you finance it? Credit card Payday loan Hire purchase Bank overdraft Personal savings Loan from family and friends 18. Financial actions taken in 2011: Have you taken any of the following financial actions in 2011? (tick all that apply) Paid off a debt Started keeping a household budget Re financed a loan at a lower interest rate Opened a retirement saving account Changed the method used to send remittances Started saving for other future needs (e.g children's education) Changed the frequency with which you remit money Increased the amount of debt you owe Increased the amount of money you send as remittances Reduced the amount of debt you owe Decreased the amount of money you send as remittances Purchased life insurance Page 4
5 Your Financial Understanding 19. Suppose you want to send $200 to someone overseas. Which would cost you more, sending it all at once as $200, or sending it at two different times of $100 each time, or is the cost the same either way? Cheapest to send $200 all at once The same cost either way Cheapest to send $100 two times I don't know 20. When a remittance is made by sending money to someone overseas, what are the various costs that the bank or money transfer operators charge? Yes No Don't Know A fixed fee imposed on the sender A fixed fee imposed on the recipient An exchange rate commission An interest rate charge 21. Which do you think would give you more money in two years time: Receiving $1200 in two years time, or putting $1000 in a bank account today, and leaving it there for two years along with the 10% annual interest earnings that are added to the account each year. Receiving $1200 in two years time Both would give the same Putting $1000 in an account with 10% annual interest Don't know 22. A consumer takes out a payday loan for $100 which has a $15 fee. After 2 weeks, the consumer pays back the full $115. What do you think is the annual percentage rate (APR) charged on this loan? (select one option below) 15% 315% 115% 390% 23. In your opinion, which type of loan or credit will generally have the HIGHEST annual interest rate? Credit card Hire purchase Payday loan Page 5
6 24. In your opinion, which one of the following credit card users is likely to pay the GREATEST dollar amount in finance charges per year, if they all charge the same amount per year on their cards? Ann, who pays at least the minimum amount each month and more, when she has the money Bridget, who only pays the minimum amount each month Jane, who always pays off her credit card bill in full shortly after she receives it Sarah, who generally pays off her credit card in full but, occasionally, will pay the minimum when she is short of cash * 25. Unique Code/Identifier: Thank you very much for taking the time to complete this survey and for participating in the overall study. The information that you have provided is very useful to us, and we appreciate very much your help. We hope the findings of this research will help inform the Government in making policies to better serve your financial needs. Page 6
CHEQUES: MARKET RESEARCH June 2016
CHEQUES: MARKET RESEARCH 2016 June 2016 INTRODUCTION Market research conducted annually Business research C&CCC annual survey of business users of cheques 1,000 businesses surveyed by telephone Consumer
More informationCHEQUES: MARKET RESEARCH July 2017
CHEQUES: MARKET RESEARCH 2017 July 2017 INTRODUCTION Market research conducted annually in April Consumer research C&CCC 11 th annual survey of consumers writing and receiving cheques by Kantar TNS 2,000
More information2014 Banking and Credit Card Survey
2014 Banking and Credit Card Survey About Credit Reporting Agency Credit Reporting Agency is the UK s first internet based credit reference agency, aimed firmly at serving consumers, rather than business
More informationCHEQUES: MARKET RESEARCH June 2015
CHEQUES: MARKET RESEARCH 2015 June 2015 INTRODUCTION Market research conducted annually Business research C&CCC annual survey of business users of cheques 1,000 businesses surveyed by telephone Consumer
More informationWorkbook 3. Borrowing Money
Workbook 3 Borrowing Money Copyright 2019 ABC Life Literacy Canada First published in 2011 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks Founding Sponsor TD
More informationfor Newcomers and New Canadians Module 2 How to Build Credit In Canada Student Workbook
for Newcomers and New Canadians Module 2 How to Build Credit In Canada Student Workbook Welcome! This workshop is about credit. Credit is buying something now, but paying for it later. Credit can be useful
More informationUnit 4 More Banking: Checks, Savings and ATMs
Unit 4 More Banking: Checks, Savings and ATMs Banking: Vocabulary Review Directions: Draw a line to match the word with its meaning. 1. bank 2. credit 3. ATM 4. minimum 5. maximum 6. teller 7. balance
More informationPolling Presents, waste and repairs
Polling Presents, waste and repairs Key Results December 2017 The Australia Institute surveyed 1,417 Australians about presents, waste and repairs. Gifts Three quarters of respondents (75%) like to buy
More informationWelcome. 1. Agenda. 2. Ground Rules. 3. Introductions. Bank On It 2
Bank On It Welcome 1. Agenda 2. Ground Rules 3. Introductions Bank On It 2 Objectives Identify the major types of insured financial institutions Identify five reasons to use a bank Describe the steps involved
More informationLETTER OF TRANSMITTAL
XXX Department, XXX Corp. 000 Happy Hollow Rd West Lafayette, IN, 47900 LETTER OF TRANSMITTAL Dear Minister, Here is the report you requested about the fee; based overdraft programs and the augment about
More informationBanks and Paychecks Role Play
Banks and Paychecks Role Play Part I: Getting Paid Roles: Employer, Employee Employer: Thank you for your hard work for the last 2 weeks. Here is your paycheck. The Employer hands the sample paycheck to
More informationHow to Bank and Save In Canada
for Newcomers and New Canadians Workbook 1 How to Bank and Save In Canada Welcome! We made this workshop for newcomers to Canada. Knowing more about how banking works here can help you settle in faster,
More informationEducational Matters: The Impact of Educational Attainment on Worker Retirement Outlook
Educational Matters: The Impact of Educational Attainment on Worker Retirement Outlook December 2010 Table of Contents About the Center Page 3 About the Survey Page 4 Methodology Page 5 Educational Matters:
More informationFEES AND LIMITS Effective April 2016
FEES AND LIMITS Effective April 2016 Our Fees and Limits This brochure sets out our fees and limits for: Everyday banking Home Loans If we incur any costs specifically for the purpose of carrying out a
More informationWorkbook 2. Banking Basics
Workbook 2 Banking Basics Copyright 2017 ABC Life Literacy Canada First published in 2011 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks Founding Sponsor TD
More informationAPPENDIX I. 11. Do you know about the scheme of lottery :Yes No. 12. How did you came to have about lottery :Advertisements Friends
200 APPENDIX I Survey Conducted to know the behaviour and attitudes of ticket buyers of State lottery 1. Name : 2. Address : 3. Religion : 4. Age : 5. Male/Female Male Female 6. Educational Qualification
More informationHeadline findings of a survey of the public conducted on behalf of PLAN
Headline findings of a survey of the public conducted on behalf of PLAN January Methodology Note ComRes interviewed GB adults online between th and th January. Data were weighted to be representative demographically
More informationHelp Me. Help Eliminate Legal Problems for Seniors and Disabled H.E.L.P.S.
H.E.L.P.S. Volume 5, Issue 1 Spring 2016 Help Eliminate Legal Problems for Seniors and Disabled Inside this issue: 501(c) Status 2 Social Security Overpayment I m Disabled, Can HELPS help me? Landlord
More informationJoint and Several Liability. Partnership responsibilities
Joint and Several Liability Partnership responsibilities If you re going into business with partners, you need to know about Joint and Several Liability. This brochure highlights the main issues. Contents
More informationFINAL REPORT. February 28, 2012
100 LIBERTY CITY BANKING SURVEY FINAL REPORT February 28, 2012 1101 Brickell Ave, Suite S-200 Miami, FL 33131 Phone: 305-779-7872 Fax: 305-779-7880 Website: http://metropolitan.fiu.edu/ EXECUTIVE SUMMARY
More informationSurvey of Financial Behavior III (Survey on Individual Investors Awareness)
Survey of Financial Behavior III (Survey on Individual Investors Awareness) Date of implementation: March 2011 * This survey was conducted with a Promotion Project for Joint Research between the Humanities
More information2005 Health Confidence Survey Wave VIII
2005 Health Confidence Survey Wave VIII June 30 August 6, 2005 Hello, my name is [FIRST AND LAST NAME]. I am calling from National Research, a research firm in Washington, D.C. May I speak to the youngest
More informationTopic 2: Compare different types of payment card
Topic 2: Compare different types of payment card After completing this topic, you will be able to: define, understand the purpose of, and compare the features of debit and credit cards; define, understand
More informationNZHL PO Box 2082 Wellington 6140 FEES AND LIMITS Client Care MAR 2018 Effective March 2018
FEES AND LIMITS Effective March 2018 Our Fees and Limits This brochure sets out our fees and limits for: Everyday banking Home Loans If we incur any costs specifically for the purpose of carrying out a
More informationRight direction 33% 34% Wrong track 57% 56% Neither 3% 2% Don t know / Refused 7% 7%
Heartland Monitor Poll XIII ALLSTATE/NATIONAL JOURNAL HEARTLAND MONITOR POLL XIII National Sample of 1000 ADULTS AGE 18+ (Margin of Error = +/-3.1% in 95 out of 100 cases) Conducted May 19-23, 2012 via
More informationRisk Tolerance Questionnaire
Risk Tolerance Questionnaire Date: Name: To help us understand what type of investor you may be, we have developed a self-scoring questionnaire. This grading material can also help you get a better perspective
More informationTopic 2: Compare different types of payment card
Topic 2: Compare different types of payment card After completing this topic, you will be able to: define, understand the purpose of, and compare the features of debit and credit cards; define, understand
More informationStakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health
Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration
More informationUnilever UK Pension Fund At Retirement Booklet
Unilever UK Pension Fund At Retirement Booklet Please complete your details in this table Your name Your date of birth Your retirement date Your State Pension Age * * If you don t know your state pension
More informationUSaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry
U BANK UBank information 13.10.2017 U BANK ubank.com.au 13 30 80 Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Lee Hatton, CEO, UBank UBank is all
More informationEVALUATION OF THE DWP GROWTH FUND REVISED FINAL REPORT
REVISED FINAL REPORT SHARON COLLARD, PERSONAL FINANCE RESEARCH CENTRE UNIVERSITY OF BRISTOL CHRIS HALE AND LAURIE DAY, ECORYS DECEMBER 2010 The views expressed in this report are the authors own and do
More informationYour helpful life insurance guide: Shopping for life insurance
Your helpful life insurance guide: Shopping for life insurance When it comes to shopping for life insurance, you may need help making an informed decision. At Amica Life, we believe helpfulness is what
More informationBrochure Value transfer
0 Brochure Value transfer Value transfer As soon as you start working for SABIC you will begin accruing your pension with Stichting Pensioenonfds SABIC (SPF). If you have already accrued pension with another
More informationFinScope Myanmar 2018 Launch
FinScope Myanmar 2018 Launch Nay Pyi Taw, Myanmar 19 June 2018 Sampling and weighting Respondent profile Universe: Adult population in Myanmar Myanmar residents 18 years and older Coverage and methodology
More informationBrochure Value transfer
Brochure Value transfer Value transfer As soon as you start working for DSM 1 you will begin accruing your pension with Pensioenfonds DSM Nederland (PDN). If you have already accrued pension with another
More informationThe Easy Picture Guide to Insurance for People Living Independently. Your Money Your Insurance
for People Living Independently Your Money Your Insurance 2 This guide is all about insurance. Insurance is something you buy to make sure if something goes wrong, you will get money to put things right.
More informationTeachers On Call. Preliminary Results of the 2005 TOC Survey November BCTF Research, TOC 2005 Survey Preliminary Findings
Teachers On Call Preliminary Results of the 2005 TOC Survey November 2005 Survey Objectives: To map transition and work patterns; To understand employment intentions and aspirations; To document financial
More informationMUST BE 35 TO 64 TO QUALIFY. ALL OTHERS TERMINATE. COUNTER QUOTA FOR AGE GROUPS.
2016 Puerto Rico Survey Retirement Security & Financial Resilience Labor Force Participants (working or looking for work) age 35 to 64 and current Retirees Total sample n=800, max Retirees (may be current
More informationManaging the Road to Retirement:
Managing the Road to Retirement: Retirement Savings Sentiment and Behavior Among Select Age Groups September 22, 2009 Table of Contents About The Center 3 About The Survey 4 Methodology 5 Managing the
More informationforth1.com/cashforkids fundraising pack Cash for Kids charities (England & NI), SC (East Scotland) and SC (West Scotland)
forth1.com/cashforkids fundraising pack Contents page 3 4 5 6 7 8 9 10 12 15 16 17 About Cash for Kids What we do What your cash could do Why help Empty belly poster Fundraising ideas Bucket label Sponsorship
More informationGATHER THE INFO STEP 1 - UNDERSTAND WHAT YOU EARN
Brought to you by Take Charge of Your Money GATHER THE INFO This workbook relates to Lessons 4 & 5 (the practical bits of creating a budget) but I would really encourage you to watch the videos in Lessons
More informationHow Canadians Do Their Taxes
Telephone Survey of 1,019 Canadians Conducted March 31 to April 6, N F O C F g r o u p 1. Have you filed / Will you be filing a personal income tax return for the tax year? As of the interviewing period,
More informationSeniors Early Experiences with the Medicare Prescription Drug Benefit April 2006
Chartpack Selected Findings from the Kaiser Health Poll Report Survey Seniors Early Experiences with the Medicare Prescription Drug Benefit April 2006 April 2006 Methodology This tracking poll on the Medicare
More informationRisk Profiling Questionnaire
Risk Profiling Questionnaire Pocket Risk Client Name: The following questionnaire is a financial risk profile assessment. It seeks to establish your level of financial risk relative to the population.
More informationmetroradio.co.uk/cashforkids fundraising pack Cash for Kids charities (England & NI), SC (East Scotland) and SC (West Scotland)
metroradio.co.uk/cashforkids fundraising pack Contents page 3 4 5 6 7 8 9 10 12 15 16 17 About Cash for Kids What we do What your cash could do Why should you help? Empty belly poster Fundraising ideas
More informationAn Easy-to-Understand Introduction to the Retirement Plan and the Savings Plan. Contributions. Other Benefits
An Easy-to-Understand Introduction to the Retirement Plan and the Savings Plan Annuities How the Plans Work Contributions Eligibility Enrollment Other Benefits September 2013 WELCOME TO THE YMCA RETIREMENT
More informationYouGov Survey Results
Total Gender Age Social Grade Region Base Male Female 18 to 24 25 to 34 35 to 44 45 to 54 55+ ABC1 C2DE North Midlands East London South Wales Scotland Northern Ireland For the following questions, by
More informationJOINT AND SEVERAL LIABILITY. Partnership responsibilities
JOINT AND SEVERAL LIABILITY Partnership responsibilities June 2016 Contents Why do I need to know about it? 1 What does Joint and Several Liability mean? 1 How do we open a partnership account? 2 How does
More informationSWITCHING BANKS June 26,
SWITCHING BANKS June 26, 2018 1 QUESTION PLAN # Type Question Options 1 Open Question What incentive would make you consider changing the bank where your salary is deposited (your primary transaction account)?
More informationFinancial Empowerment Curriculum Moving Ahead Through Financial Management. Module One: Understanding Financial Abuse Keeping Safe and Starting Over
Financial Empowerment Curriculum Moving Ahead Through Financial Management Module One: Understanding Financial Abuse Keeping Safe and Starting Over Financial Empowerment Curriculum Module Five: Creating
More informationCREDIT BASICS. Advanced Level
CREDIT BASICS Advanced Level YOUR PRESENT SELF IMPACTS YOUR FUTURE SELF You receive goods or services today With the promise to pay back the determined amount of money (usually in small increments plus
More informationPhrasal Verbs Related to Money
Phrasal Verbs Related to Money Circle the phrasal verbs: My electricity bills are really high. I have to fork out 100 every month. I can t go to the theatre this weekend. I m saving up for my holiday.
More informationnorthsound1.com/cashforkids fundraising pack Cash for Kids charities (England & NI), SC (East Scotland) and SC (West Scotland)
northsound1.com/cashforkids fundraising pack Contents page 3 4 5 6 7 8 9 10 12 15 16 17 About Cash for Kids What we do What your cash could do Why help Empty belly poster Fundraising ideas Bucket label
More informationHello. Classic Classic Plus
Hello. Classic Classic Plus Welcome to a different kind of banking. Hello, welcome and above all, thank you for opening a current account with TSB. You ve joined a bank that isn t like any other bank.
More informationJack Marrion discusses why clients should look at annuities to provide retirement income have you done the same for your clients?
Jack Marrion discusses why clients should look at annuities to provide retirement income have you done the same for your clients? Harry Stout: Welcome to Insurance Insights, sponsored by Creative Marketing.
More informationPUBLIC AWARENESS SURVEY. Prepared by Cocker Fennessy, Inc.
GREEN RIVER VALLEY FLOODING PUBLIC AWARENESS SURVEY Prepared by September 17, 2009 Objectives Assess public awareness & concern of flood risk Identify actions residents are taking to prepare Determine
More informationCMA Market investigation into payday lending notice of possible remedies
CMA Market investigation into payday lending notice of Response by the Money Advice Trust Date: JULY 2014 Contents Page 2 Page 3 Page 4 Page 5 Contents Introduction / About the Money Advice Trust Introductory
More informationYouGov Survey Results
YouGov Survey Results Sample Size: 2047 Fieldwork: 10th - 13th June 2011 Total A smartphone is a mobile phone offering advanced features similar to a computer. Often an operating system is in use (such
More informationHOW YOUNG NEW ZEALANDERS PERCEIVE POLITICAL & FINANCIAL WELLBEING: A LONGITUDINAL STUDY ELECTION YEAR UPDATE
HOW YOUNG NEW ZEALANDERS PERCEIVE POLITICAL & FINANCIAL WELLBEING: A LONGITUDINAL STUDY ELECTION YEAR UPDATE FIN ED.MASSEY.AC.NZ ABOUT THE FIN-ED CENTRE Westpac New Zealand and Massey University founded
More informationWELCOME TO BRAITERMAN LAW OFFICES
WELCOME TO BRAITERMAN LAW OFFICES We are glad you have come to Braiterman Law Offices, and we hope you will be pleased with the services we provide. To serve you best, we need to know about you and your
More informationLoans: Banks or credit unions can loan you money. You pay the money back a little at a time. They charge you interest for the loan.
Basic Banking Services and Checking Accounts Intermediate MATERIALS What Can a Bank Do for You? Lesson 1: Introduction to Banking Services Worksheet 1-1 page 1 Beginner & Low- What Can a Bank Do for You?
More informationUnit 13: Investing and Retirement
Investing and Retirement There is no more reading from the textbook or quizzes. The rest of the textbook is covered in the Advanced Family Finance class. However, there are a few things that I like to
More informationwith the support of Everyday Banking An easy read guide March 2018
with the support of Everyday Banking An easy read guide March 2018 Who is this guide for? This guide has been designed to help anyone who might need more information about everyday banking. We will cover
More informationWarehouse Money Visa Card Terms and Conditions
Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to
More informationCanada Report. The Future of Retirement Healthy new beginnings
The Future of Retirement Healthy new beginnings Canada Report Foreword The possibilities Key findings The doubts Overview The research Healthy living Practical steps Foreword Retirement can be an opportunity
More informationWhat is Buying on Credit? What Kinds of Things Are Usually Bought on Credit? What is the Difference Between Open-End Credit and Closed-End Credit?
buying on credit What is Buying on Credit? When you buy on credit, you pay extra for the privilege of spreading your payments out over a period of time. What Kinds of Things Are Usually Bought on Credit?
More informationCreate a Legacy. with a Charitable Gift Annuity
Create a Legacy with a Charitable Gift Annuity A charitable gift annuity to benefit the Catholic organization(s) of your choice is a generous expression of your support for the Catholic Church. The Catholic
More informationLife Insurance and Estate Planning
Select Portfolio Management, Inc. David M. Jones, MBA Wealth Advisor 120 Vantis, Suite 430 Aliso Viejo, CA 92656 949-975-7900 dave.jones@selectportfolio.com www.selectportfolio.com Life Insurance and Estate
More informationThird project management meeting for reducing cash transactions in Kosovo. June 15 th, 2011
Third project management meeting for reducing cash transactions in Kosovo Project management group within the National Payments Council (NPC) June 15 th, 2011 CENTRAL BANK OF THE REPUBLIC OF KOSOVO 1.
More information2015 SCPC Table of Contents Adoption of Accounts and Payment Instruments
2015 SCPC Table of Contents Adoption of Accounts and Payment Instruments Table 1 Current Ownership of Accounts and Account Access Technologies Table 2 Table 3 Table 4 Table 5a Table 5b Table 6 Table 7
More informationYOUR MONEY, YOUR GOALS. A financial empowerment toolkit
YOUR MONEY, YOUR GOALS A financial empowerment toolkit Consumer Financial Protection Bureau December 2016 About the Consumer Financial Protection Bureau The Consumer Financial Protection Bureau (CFPB)
More informationINTRODUCTION Not everything you may have believed about life insurance applies to what it is today
afe Money Concepts SMP International, LLC 11611 N. Meridian Street, Carmel, Indiana 46032 1-877-844-0900 info@safemoneyplaces.com www.safemoneyplaces.com INTRODUCTION It s hard to say where and when most
More informationPERSONAL FINANCIAL SURVEY
PERSONAL FINANCIAL SURVEY 2004 2004 JUMP$TART QUESTIONNAIRE (Mean score=52.3%. Scores are in bold type. *Indicates correct answer) 1. If each of the following persons had the same amount of take home pay,
More informationQUINLAN: Hughlene, let's start with a baseline question, why is accounting for income taxes so important?
September 2015 Segment 4 TRANSCRIPT 1. Challenges Related to Accounting for Income Taxes SURRAN: For many accountants, accounting for income taxes remains one of the most difficult subjects within the
More informationAMERICA AT HOME SURVEY American Attitudes on Homeownership, the Home-Buying Process, and the Impact of Student Loan Debt
AMERICA AT HOME SURVEY 2017 American Attitudes on Homeownership, the Home-Buying Process, and the Impact of Student Loan Debt 1 Objective and Methodology Objective The purpose of the survey was to understand
More informationA short simple integrated approach to bookkeeping.
A short simple integrated approach to bookkeeping. Electrical Shop You have decided to set up your Business, an Electrical Shop. You will now be self employed (this means working for your self) Decide
More informationCitizens Advice financial capability
TOP TIPS FOR DEVISING A BUDGET Work out your total income include any benefits you may be in receipt of, wages (after tax and national insurance) and any other regular income such as child maintenance
More informationWe take on the world so that you don t have to. Your welcome brochure
We take on the world so that you don t have to Your welcome brochure 2 The new HSBC Advance Bank Account designed with your needs in mind. Even the most personal ambitions are rarely achieved alone. Your
More informationAppendix A City-Wide Data Tables
Appendix A City-Wide Data Tables Q1. What do you like best about living in Richmond? Like Best About Living In Richmond Percent Natural setting 33% Shopping or retail options within Richmond 25% Close
More informationPRELIMINARY QUESTIONS & MORNINGSTAR RISK TOLERANCE QUESTIONNAIRE (MRTQ)
PRELIMINARY QUESTIONS & MORNINGSTAR RISK TOLERANCE QUESTIONNAIRE (MRTQ) Preliminary Questions - to establish whether the client is willing and able to take any risk of capital loss. A. In order to achieve
More informationThe High Cost of Other People s Money. Hutch Sprunt Appalachian State University NCCTM October 2005
The High Cost of Other People s Money Hutch Sprunt Appalachian State University NCCTM October 2005 A helpful progression for students: Larger loans Credit cards (and debit cards) Various financial sources
More information2017 Mid-Year Tax Planning
To Our Clients and Friends: 2017 Mid-Year Tax Planning As we write this letter, the federal income tax rates for this year are still the same as last year: 10%, 15%, 25%, 28%, 33%, 35%, and 39.6%. The
More informationAssessment Schedule 2016 Accounting: Interpret accounting information for entities that operate accounting subsystems (91177)
NCEA Level 2 Accounting (91177) 2016 page 1 of 6 Assessment Schedule 2016 Accounting: Interpret accounting information for entities that operate accounting subsystems (91177) Question One (a) 2015 2016
More informationGENERAL FINANCING QUESTIONS
GENERAL FINANCING QUESTIONS 1. What is a Mortgage? Tips for Homebuyers Generally speaking, a mortgage is a loan obtained to purchase real estate. The "mortgage" itself is a lien (a legal claim) on the
More informationInvestment Attitudes: Focus on Chinese Language Investors
Innovative Research Group, Inc. Vancouver :: Toronto :: Montreal www.innovativeresearch.ca Public Opinion Research Investment Attitudes: Focus on Chinese Language Investors Prepared for: The British Columbia
More informationDeposit accounts for personal customers.
Deposit accounts for personal customers. (No longer available for sale.) Terms & Conditions. Effective as at 1 December 2017. Contents Terms & Conditions. This booklet sets out the Terms and Conditions
More informationVOLUNTEER TRAINING INFORMATION
VOLUNTEER TRAINING INFORMATION VOLUNTEER TRAINING Volunteers generally feel more comfortable in staffing a table if they have been provided with advance information about the concept and have time to read
More informationMaking it easier for borrowers to repay their student loans
Making it easier for borrowers to repay their student loans A government discussion document Hon Peter Dunne Minister of Revenue First published in June 2009 by the Policy Advice Division of Inland Revenue,
More informationEAGLE COUNTY COMMISSIONERS PUBLIC OPINION SURVEY. May 16-19, 2016
1 EAGLE COUNTY COMMISSIONERS PUBLIC OPINION SURVEY May 16-19, 2016 Magellan Strategies is pleased to present the results for a 500n live landline and cell phone survey of likely 2016 general election voters
More informationYOUR GUIDE TO PRE- SETTLEMENT ADVANCES
YOUR GUIDE TO PRE- SETTLEMENT ADVANCES What is a pre-settlement advance? If you have hired an attorney to bring a lawsuit, and if you need cash now, you may be able to obtain a pre-settlement advance on
More informationThe Independent Way. A funeral plan created for you by your local independent funeral director
The Independent Way A funeral plan created for you by your local independent funeral director 186 The safe, simple way to secure peace of mind, for you and your family Thank you for finding out more about
More informationYour account charges explained
Your account charges explained 2 Contents Our Business Banking current accounts 2 Our accounts for not-for-profit organisations 2 Our general accounts in more detail 3 Our 5 Fixed Fee account plans 3 Day-to-day
More informationAbout. Direct Payments
About Direct Payments March 2017 2 About Direct Payments 3 The purpose of this booklet is to offer advice and information to anyone receiving a direct payment or for people considering taking a direct
More informationPRESENTED BY: Naliko Markel Chapter 13 Trustee. FOR MORE INFORMATION, VISIT OUR WEBSITE AT:
CHAPTER 13 THE THIRTEEN (13) MOST COMMON QUESTIONS AND ANSWERS PRESENTED BY: Naliko Markel Chapter 13 Trustee FOR MORE INFORMATION, VISIT OUR WEBSITE AT: www.eugene13.com 1. I have something called a
More informationPoverty and Employment Precarity in Southern Ontario (PEPSO)
Poverty and Employment Precarity in Southern Ontario (PEPSO) *note: participants can refuse to answer any or all questions in this survey* Screening Questions 1. Have you worked for pay or profit at any
More informationToolkit 2 Borrowing Wisely
Toolkit 2 Borrowing Wisely Questions to Think About Before Borrowing Borrowing money is not necessarily a bad thing and done sensibly it can be a good investment for your future. Some good reasons to borrow
More informationFresh Start. Living DebtFree. By Douglas Hoyes. BA, CA, CIRP, CBV, Licensed Insolvency Trustee. Co-Founder of
Fresh Start A Concise Guide to Living DebtFree By Douglas Hoyes BA, CA, CIRP, CBV, Licensed Insolvency Trustee Co-Founder of Fresh Start A Concise Guide to Living Debt Free By Douglas Hoyes BA, CA, CIRP,
More informationSUMMARY OF BORROWER SURVEY DATA
SUMMARY OF BORROWER SURVEY DATA STUDENT LOAN BORROWER COUNSELING PROGRAM An Initiative of the Center for Excellence in Financial Counseling Introduction This summary provides results from the pilot test
More informationLet me turn it over now and kind of get the one of the questions that s burning in all of our minds is about Social Security and what can we expect.
Wi$e Up Webinar Catching On to Retirement September 28, 2007 Speaker 2 Diana Varela Let me turn it over now and kind of get the one of the questions that s burning in all of our minds is about Social Security
More informationBiggert s Hearing Instruments, Inc. Patient Registration Form. Patient Name: (Last) (First) (MI)
Biggert s Hearing Instruments, Inc. Patient Registration Form Patient Name: (Last) (First) (MI) Date of Birth: / / Age: Gender: Male Female Marital Status: Single Married Widowed Divorced Other Employment
More information