The following questions pertain to consumer views about money and investing.
|
|
- Kerry Collins
- 7 years ago
- Views:
Transcription
1 Millennial and Baby Boomer Investors Survey: Data Report Securian Financial Group June 2016 The following questions pertain to consumer views about money and investing. 1. Do you have investments outside an employer sponsored retirement plan/401(k)? (Choose One) Yes 100.0% % % 957 No 0.0% 0 0.0% 0 0.0% 0 Total Responses 100% % % Do you currently invest in any of the following? (Choose all that apply) Mutual funds 57.6% % % 565 Employer sponsored retirement plan/401(k) 65.6% % % 565 Individual stocks 58.1% % % 601 Money market funds 39.8% % % 427 Fixed income (including individual bonds or bond 24.0% % % 234 mutual funds International investments (any type, stock, mutual 20.0% % % 157 funds, etc.) Certificate of deposit (CDs) 40.2% % % 344 Exchange traded funds (ETFs) 22.2% % % 170 Investment in real estate properties or Real Estate 20.7% % % 180 Investment Trusts (REITs) Cash value life insurance policy or individual annuity 30.8% % % 332 1
2 Individual Retirement Account (IRA) or Roth Individual Retirement Account (IRA) Other investments (e.g., hedge funds, private equity) 61.5% % % % % % 56 Total Responses Answers piped in from Q2: 3. Please rank your investments according to your return expectations, with "1" being the type of investment you count on the most for a successful return, "2" being the second highest return, and so on. Top 4 Investments Total Millennials Baby Boomers (Rank 1, 2 or 3) Employer sponsored retirement plan/401(k) 49.8% % % 426 Individual retirement Account (IRA) or Roth Individual Retirement 41.8% % % 489 Account (IRA) Mutual Funds 41.4% % % 428 Individual Stocks 41.2% % % 420 Total Responses
3 Mutual funds Employer sponsored retirement plan/401(k) Individual stocks Money market funds Fixed income (including individual bonds or bond mutual funds International investments (any type, stock, mutual funds, etc.) Certificate of deposit (CDs) Exchange traded funds (ETFs) Investment in real estate properties or Real Estate Investment Trusts (REITs) Total Responses Count % by Row 29.0% 27.8% 16.4% 11.0% 7.3% 4.2% 1.9% 1.3% 0.4% 0.5% 0.3% 0.0% 100.0% Count % by Row 43.6% 19.0% 14.1% 11.4% 4.9% 2.9% 1.4% 1.2% 0.8% 0.3% 0.3% 0.0% 100.0% Count % by Row 32.9% 22.4% 16.8% 11.6% 8.6% 3.6% 2.1% 1.1% 0.4% 0.1% 0.4% 0.0% 100.0% Count % by Row 10.1% 13.7% 18.9% 14.6% 14.2% 9.3% 8.5% 4.8% 3.0% 2.1% 0.8% 0.0% 100.0% Count % by Row 10.7% 13.1% 14.6% 14.3% 15.6% 10.7% 9.6% 6.2% 2.1% 1.7% 1.1% 0.2% 100.0% Count % by Row 13.2% 19.1% 19.9% 16.3% 10.3% 8.5% 5.9% 2.8% 1.3% 1.6% 1.0% 0.0% 100.0% Count % by Row 9.2% 17.3% 18.0% 14.4% 13.4% 10.3% 8.7% 4.5% 2.4% 1.3% 0.5% 0.0% 100.0% Count % by Row 11.6% 22.3% 22.7% 13.2% 10.0% 9.5% 4.2% 3.5% 1.9% 0.9% 0.2% 0.0% 100.0% Count % by Row 18.6% 18.9% 19.9% 13.6% 10.4% 5.2% 6.0% 3.0% 2.2% 1.0% 1.2% 0.0% 100.0% 3
4 Cash value life insurance policy or individual annuity Individual Retirement Account (IRA) or Roth Individual Retirement Account (IRA) Other investments (e.g., hedge funds, private equity) Total Responses Count % by Row 6.8% 13.9% 15.9% 15.9% 13.3% 12.8% 7.6% 6.1% 5.0% 1.7% 1.0% 0.0% 100.0% Count % by Row 22.9% 25.4% 20.7% 13.7% 7.3% 4.5% 2.9% 1.4% 0.7% 0.4% 0.2% 0.0% 100.0% Count % by Row 35.0% 19.0% 12.0% 13.0% 7.0% 6.0% 1.0% 3.0% 2.0% 2.0% 0.0% 0.0% 100.0% 4. Which of the following best describes your level of investment knowledge? (Choose One) You are very knowledgeable about investments You are fairly knowledgeable, but not entirely comfortable with all aspects of investing You are not very knowledgeable about investments, but you do understand some things You are not at all knowledgeable about investments 30.2% % % % % % % % % % % 9 2.3% 22 Total Responses 100% % % 957 4
5 5. To feel secure in retirement, how much money do you believe you will need to save? (Open-ended) $0 to $10, % % % 15 $10,001 to $50, % % % 6 $50,001 to $100, % % % 27 $100,001 to $200, % % % 32 $200,001 to $300, % % % 50 $300,001 to $400, % % % 21 $400,001 to $500, % % % 157 $500,001 to $600, % % 9 1.5% 14 $600,001 to $700, % % 7 1.2% 11 $700,001 to $800, % % % 68 $800,001 to $900, % % % 13 $900,001 to $1,000, % % % 255 $1,000,001 to $1,500, % % % 65 $1,500,001 to $2,000, % % % 94 $2,000,001 to $3,000, % % % 45 $3,000,001 to $4,000, % % % 6 $4,000,001 to $5,000, % % % 23 $5,000,001 to $6,000, % 2 0.2% 2 0.0% 0 $6,000,001 to $7,000, % 7 0.6% 6 0.1% 1 $7,000,001 to $8,000, % 3 0.3% 3 0.0% 0 $8,000,001 to $9,000, % 4 0.3% 3 0.1% 1 $9,000,001 to $10,000, % % % 11 $10,000,001 to $50,000, % % % 12 $50,000,001 to $100,000, % % 3 0.8% 8 $100,000,001 and above 1.5% % % 16 Total Responses 100% % % 951 5
6 Not Answered Mode $1,000,000 $1,000,000 $1,000,000 Median $1,000,000 $800,000 $1,000, How confident are you in your ability to reach this savings amount by retirement? (Scale 0 to 10) Not at all confident 3.2% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % 95 Very confident 16.8% % % 157 Total Responses 100% % % 943 Not Answered Top 3 Box 48.7% % % 421 Mean Median
7 7. What sources do you turn to for investment advice? (Choose all that apply) Financial advisor 64.8% % % 617 Stock broker 18.4% % % 94 Bank 28.0% % % 138 Family 41.6% % % 273 Friends 29.1% % % 176 Blogs 16.3% % % 65 Money managements websites (e.g., Mint, 39.3% % % 278 E*Trade) Financial services companies' websites (e.g., bank websites, 35.2% % % 321 insurance company websites) Print and online news outlets (e.g., The Wall street Journal, Kiplinger's 32.5% % % 371 Personal Finance, Money) Social media sites (e.g., Facebook, LinkedIn, 7.9% % % 28 YouTube) Other, please specify* 2.0% % 2 3.9% 37 Total Responses Not Answered
8 8. Which of the following ranges best describes the approximate amount of your current investable assets (including 401(k))? (Choose One) Less than $100, % % % 89 $100,000 to less than $500, % % % 417 $500,000 to less than $1 million 25.6% % % 289 $1 million to less than $5 million 12.1% % % 149 $5 million or more 1.2% % % 11 Total Responses 100% % % 955 Not Answered Which of the following best describes your investment style? (Choose One) Very conservative investor: You are very concerned by short-term fluctuations in your account value and wish to protect your account value from loss. Conservative investor: You may be worried by significant short-term fluctuations in your account value and may prefer slow but steady, long-term growth. Moderate investor: You are able to tolerate some fluctuation in your account value. You are concerned with the safety of your money but want investment returns that can outpace inflation. 11.4% % % % % % % % % 461 8
9 Aggressive investor: You are able to tolerate significant short-term fluctuations in your account value and seek long-term growth. Very aggressive investor: You seek maximum longterm growth and are very comfortable with significant short-term fluctuations. 14.0% % % % % % 12 Total Responses 100% % % 909 Not Answered What is your current level of confidence in the stock market? (Scale 0 to 10) Not at all confident 1.0% % 2 1.9% % % 4 1.3% % % % % % % % % % % % % % % % % % % % % % % % % 30 Very confident 6.9% % % 16 Total Responses 100% % % 940 Not Answered Top 3 Box 31.2% % % 188 Mean Median
10 11. How often do you check your investment portfolio? (Choose One) Annually 6.7% % % 51 Quarterly 21.5% % % 221 Monthly 29.5% % % 264 Weekly 28.0% % % 256 Daily 13.3% % % 148 Never 1.0% % 6 1.5% 14 Total Responses 100% % % 954 Not Answered How often do you rebalance or make investment portfolio changes? (Choose One) Annually 24.9% % % 301 Quarterly 36.2% % % 362 Monthly 22.1% % % 146 Weekly 8.7% % % 39 Daily 1.9% % % 16 Never 6.1% % % 92 Total Responses 100% % % 956 Not Answered
11 13. If you received a gift or inheritance of $10,000, what would you do with it? (Choose all that apply) Invest all or some of the money Save the money in a savings account at the bank Spend all or some of the money Make a charitable contribution Give a gift to family members 69.1% % % % % % % % % % % % % % % 105 Other, please specify 3.5% % % 46 Total Responses If you received a gift or inheritance of $50,000, what would you do with it? (Choose all that apply) Invest all or some of the money Save the money in a savings account at the bank Spend all or some of the money Make a charitable contribution Give a gift to family members 73.8% % % % % % % % % % % % % % % 181 Other, please specify 4.7% % % 56 Total Responses
12 15. What is your personal definition of a volatile market? Open ended question; common terms in responses included unpredictable, instability, up and down, swings, large movements and rapid movements 16. Please indicate your level of concern around: (Scale 0 to 10) Recent market volatility No concern at all 1.4% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % 54 High level of concern 9.8% % % 66 Total Responses 100% % % 929 Not Answered Top 3 Box 36.1% % % 272 Mean Median
13 Future market volatility affecting your ability to reach your financial goals No concern at all 1.2% % % % % 7 0.9% % % % % % % % % % % % % % % % % % % % % % % % % 92 High level of concern 12.5% % % 98 Total Responses 100% % % 924 Not Answered Top 3 Box 44.2% % % 364 Mean Median
14 Protecting yourself from a volatile market No concern at all 0.9% % 7 1.2% % % 5 0.7% % % % % % % % % % % % % % % % % % % % % % % % % 92 High level of concern 16.1% % % 131 Total Responses 100% % % 916 Not Answered Top 3 Box 48.9% % % 398 Mean Median
15 Understanding the reasons behind a volatile market No concern at all 1.0% % 7 1.4% % % 7 1.3% % % % % % % % % % % % % % % % % % % % % % % % % 77 High level of concern 12.4% % % 91 Total Responses 100% % % 904 Not Answered Top 3 Box 44.4% % % 335 Mean Median
16 17. When it comes to making investment decisions, which of the following most typically describes you? (Choose one) You rely on a financial advisor or broker to make most or all investment decisions You regularly consult with a financial advisor regarding investment needs, but make most of the final decisions You make most of your own decisions, but use a financial advisor for specialized needs such as retirement planning, asset allocation advice or selecting alternative investments You conduct research online, and make your decision based on the information you find You consult online money management sites (e.g., Mint, E*Trade) to determine investment decisions You make investment decisions on your own Other, please specify* 20.3% % % % % % % % % % % % % 0 0.0% 0 0.0% 0 7.2% % % % % 2 0.8% 8 Total Responses 100% % %
17 Q18 and Q19 asked if responder chose A, B or C in Q How confident are you in your financial advisor/broker's ability to help you manage market volatility? ( Scale 0 to 10) Not at all confident 0.1% 2 0.1% 1 0.1% % 7 0.2% 2 0.7% % 5 0.2% 2 0.4% % 8 0.4% 3 0.7% % % % % % % % % % % % % % % % % % % 93 Very confident 11.5% % % 52 Total Responses 100% % % 687 Not Answered Top 3 Box 54.9% % % 345 Mean Median
18 19. How likely are you to follow your financial advisor/broker's advice during a volatile market? (Choose one) Very unlikely 4.4% % % 32 Somewhat unlikely 9.1% % % 48 Somewhat likely 51.6% % % 372 Very likely 35.0% % % 247 Total Responses 100% % % 699 Not Answered Mean Median How do you typically react to a falling market? (Choose one) Sell my shares 9.2% % % 15 Leave my shares (no change) 47.3% % % 563 Buy more shares 21.8% % % 184 Shift existing shares to different investments Other, please specify* 18.7% % % % % % 42 Total Responses 100% % % 953 Not Answered
19 21. If the market experienced a large number of losses in a short period, at what point would you take action on your investments? (Scale Loss 0% to 100%) 0-4% 4.5% % % % 3.1% % % % 8.4% % % % 5.6% % % % 14.2% % % % 9.7% % % % 9.2% % % % 1.9% % % % 7.1% % % % 1.4% % % % 15.3% % % % 0.7% % 8 0.5% % 4.5% % % % 1.1% % % % 2.6% % % % 3.6% % % % 2.4% % % % 0.5% % 8 0.2% % 1.0% % % % 1.0% % % 3 100% 1.7% % % 13 Other* 0.5% % 8 0.2% 2 Total Responses 100% % % 950 Not Answered Mode
20 22. How do you typically react to a rising market? (Choose one) Sell my shares 15.0% % % 72 Leave my shares (no change) 49.6% % % 575 Buy more shares 19.8% % % 128 Shift existing shares to different investments Other, please specify* 13.3% % % % % % 35 Total Responses 100% % % 949 Not Answered If the market experienced a large number of gains in a short period, at what point would you take action on your investments? (Scale Gain 0% to 100%) 0-4% 6.3% % % % 2.9% % % % 7.5% % % % 5.7% % % % 11.3% % % % 10.4% % % % 9.1% % % % 2.3% % % % 5.2% % % % 1.3% % % % 16.5% % % % 0.8% % % % 3.7% % % % 0.6% % 8 0.3% 3 20
21 70-74% 1.9% % % % 3.5% % % % 2.2% % % % 0.8% % % % 1.7% % % % 0.6% % 8 0.3% 3 100% 5.0% % % 34 Other* 0.9% % % 5 Total Responses 100% % % 948 Not Answered Mode What kind of market do you anticipate over the next 1 to 3 years? (Choose one) Bull market: A prolonged period in which investment prices rise faster than their historical average Bear Market: A prolonged period in which investment prices fall, accompanied by widespread pessimism 60.8% % % % % % 475 Total Responses 100% % % 951 Not Answered
22 Demographic Questions A. Gender Male 48.8% % % 448 Female 51.2% % % 509 Total Responses 100% % % 957 B. What is your age? (Choose One) Response Frequency Count 18 to % % % % % % % % or older 0.0% 0 Total Responses 100% 1997 C. Which of following best describes your marital status? Single, never married 10.5% % % 45 Married 78.9% % % 777 Divorced/Separated 4.3% % % 72 Widowed 1.6% % 4 2.9% 28 Unmarried, living with partner 4.7% % % 35 22
23 Prefer not to say 0.1% 1 0.1% 1 0.0% 0 Total Responses 100% % % 957 D. What is the highest degree or level of school you have completed? High school graduate, diploma or the equivalent (e.g. GED) Some college credit, no degree 5.1% % % % % % 148 Associate degree 9.4% % % 105 Bachelor's degree 43.3% % % 389 Master's degree 24.0% % % 194 Doctorate degree 7.2% % % 54 Prefer not to say 0.1% 2 0.1% 2 0.0% 0 Total Responses 100% % % 957 E. Which of the following best describes your employment status? Employed full time 69.3% % % 487 Employed part time 6.9% % % 80 Self employed 7.2% % % 104 Retired 11.7% % % 233 Out of work, but not currently looking for work 4.6% % % 48 Prefer not to say 0.4% 7 0.2% 2 0.5% 5 Total Responses 100% % %
24 F. What is your total annual household income? (Choose One) Less than $50, % 0 0.0% 0 0.0% 0 $50,000 - $74, % % % 0 $75,000 - $124, % % % 611 $125,000 - $199, % % % 289 $200,000 - $300, % % % 43 Over $300, % % % 14 Total Responses 100% % % 957 G. What is your current level of retirement savings? Less than $25, % % % 8 $25,000 - $49, % % % 14 $50,000 - $99, % % % 94 $100,000 - $249, % % % 200 $250,000 - $499, % % % 211 $500,999 - $999, % % % 253 $1 million to less than $5 million 9.5% % % 141 $5 million or more 1.0% % 9 1.0% 10 Unsure 0.4% 8 0.3% 3 0.5% 5 Prefer not to say 1.7% % % 21 Total Responses 100% % %
25 H. What state do you live in? Response Frequency Count Alabama 1.1% 21 Alaska 0.5% 9 Arizona 1.5% 30 Arkansas 0.4% 8 California 13.9% 278 Colorado 1.5% 30 Connecticut 1.5% 30 Delaware 0.4% 8 District of Columbia 0.2% 3 Florida 7.7% 154 Georgia 2.9% 57 Hawaii 0.7% 13 Idaho 0.3% 5 Illinois 4.2% 83 Indiana 1.5% 29 Iowa 1.1% 21 Kansas 0.8% 15 Kentucky 0.8% 16 Louisiana 0.8% 15 Maine 0.6% 11 Maryland 2.4% 48 Massachusetts 2.2% 43 Michigan 3.0% 60 Minnesota 1.4% 27 Mississippi 0.3% 6 Missouri 2.0% 40 Montana 0.2% 4 Nebraska 0.6% 12 25
26 Nevada 0.7% 13 New Hampshire 0.8% 15 New Jersey 4.6% 91 New Mexico 0.3% 6 New York 10.6% 212 North Carolina 2.6% 52 North Dakota 0.2% 3 Ohio 3.5% 70 Oklahoma 0.9% 17 Oregon 0.8% 16 Pennsylvania 5.1% 102 Rhode Island 0.3% 6 South Carolina 1.0% 19 South Dakota 0.3% 5 Tennessee 1.5% 30 Texas 5.5% 110 Utah 0.7% 13 Vermont 0.2% 3 Virginia 3.0% 59 Washington 1.9% 38 West Virginia 0.3% 5 Wisconsin 1.7% 33 Wyoming 0.2% 3 Total Responses 100%
Three-Year Moving Averages by States % Home Internet Access
Three-Year Moving Averages by States % Home Internet Access Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana
More informationPublic School Teacher Experience Distribution. Public School Teacher Experience Distribution
Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile Mode Alabama Percent of Teachers FY Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile
More informationNON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST
NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST ** Utilize this list to determine whether or not a non-resident applicant may waive the Oklahoma examination or become licensed
More informationImpacts of Sequestration on the States
Impacts of Sequestration on the States Alabama Alabama will lose about $230,000 in Justice Assistance Grants that support law STOP Violence Against Women Program: Alabama could lose up to $102,000 in funds
More informationWorkers Compensation State Guidelines & Availability
ALABAMA Alabama State Specific Release Form Control\Release Forms_pdf\Alabama 1-2 Weeks ALASKA ARIZONA Arizona State Specific Release Form Control\Release Forms_pdf\Arizona 7-8 Weeks by mail By Mail ARKANSAS
More informationMAINE (Augusta) Maryland (Annapolis) MICHIGAN (Lansing) MINNESOTA (St. Paul) MISSISSIPPI (Jackson) MISSOURI (Jefferson City) MONTANA (Helena)
HAWAII () IDAHO () Illinois () MAINE () Maryland () MASSACHUSETTS () NEBRASKA () NEVADA (Carson ) NEW HAMPSHIRE () OHIO () OKLAHOMA ( ) OREGON () TEXAS () UTAH ( ) VERMONT () ALABAMA () COLORADO () INDIANA
More informationChex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees:
Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees: Security Freeze Table AA, AP and AE Military addresses*
More informationSTATE-SPECIFIC ANNUITY SUITABILITY REQUIREMENTS
Alabama Alaska Arizona Arkansas California This jurisdiction has pending annuity training legislation/regulation Annuity Training Requirement Currently Effective Initial 8-Hour Annuity Training Requirement:
More informationState Specific Annuity Suitability Requirements updated 10/10/11
Alabama Alaska Ai Arizona Arkansas California This jurisdiction has pending annuity training legislation/regulation Initial 8 Hour Annuity Training Requirement: Prior to selling annuities in California,
More informationNet-Temps Job Distribution Network
Net-Temps Job Distribution Network The Net-Temps Job Distribution Network is a group of 25,000 employment-related websites with a local, regional, national, industry and niche focus. Net-Temps customers'
More informationEnglishinusa.com Positions in MSN under different search terms.
Englishinusa.com Positions in MSN under different search terms. Search Term Position 1 Accent Reduction Programs in USA 1 2 American English for Business Students 1 3 American English for Graduate Students
More informationState-Specific Annuity Suitability Requirements
Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Effective 10/16/11: Producers holding a life line of authority on or before 10/16/11 who sell or wish to sell
More informationData show key role for community colleges in 4-year
Page 1 of 7 (https://www.insidehighered.com) Data show key role for community colleges in 4-year degree production Submitted by Doug Lederman on September 10, 2012-3:00am The notion that community colleges
More informationState Tax Information
State Tax Information The information contained in this document is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any state tax penalties. Neither
More informationBUSINESS DEVELOPMENT OUTCOMES
BUSINESS DEVELOPMENT OUTCOMES Small Business Ownership Description Total number of employer firms and self-employment in the state per 100 people in the labor force, 2003. Explanation Business ownership
More informationHigh Risk Health Pools and Plans by State
High Risk Health Pools and Plans by State State Program Contact Alabama Alabama Health 1-866-833-3375 Insurance Plan 1-334-263-8311 http://www.alseib.org/healthinsurance/ahip/ Alaska Alaska Comprehensive
More informationLicensure Resources by State
Licensure Resources by State Alabama Alabama State Board of Social Work Examiners http://socialwork.alabama.gov/ Alaska Alaska Board of Social Work Examiners http://commerce.state.ak.us/dnn/cbpl/professionallicensing/socialworkexaminers.as
More informationNAIC ANNUITY TRAINING Regulations By State
Select a state below to display the current regulation and requirements, or continue to scroll down. Light grey text signifies states that have not adopted an annuity training program. Alabama Illinois
More informationAmerican C.E. Requirements
American C.E. Requirements Alaska Board of Nursing Two of the following: 30 contact hours 30 hours of professional nursing activities 320 hours of nursing employment Arizona State Board of Nursing Arkansas
More informationState Tax Information
State Tax Information The information contained in this document is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any state tax penalties. Neither
More informationState Pest Control/Pesticide Application Laws & Regulations. As Compiled by NPMA, as of December 2011
State Pest Control/Pesticide Application Laws & As Compiled by NPMA, as of December 2011 Alabama http://alabamaadministrativecode.state.al.us/docs/agr/mcword10agr9.pdf Alabama Pest Control Alaska http://dec.alaska.gov/commish/regulations/pdfs/18%20aac%2090.pdf
More informationState Tax of Social Security Income. State Tax of Pension Income. State
State Taxation of Retirement Income The following chart shows generally which states tax retirement income, including and pension States shaded indicate they do not tax these forms of retirement State
More informationCensus Data on Uninsured Women and Children September 2009
March of Dimes Foundation Office of Government Affairs 1146 19 th Street, NW, 6 th Floor Washington, DC 20036 Telephone (202) 659-1800 Fax (202) 296-2964 marchofdimes.com nacersano.org Census Data on Uninsured
More informationQ1 2009 Homeowner Confidence Survey. May 14, 2009
Q1 2009 Homeowner Confidence Survey Results May 14, 2009 The Zillow Homeowner Confidence Survey is fielded quarterly to determine the confidence level of American homeowners when it comes to the value
More information2014 INCOME EARNED BY STATE INFORMATION
BY STATE INFORMATION This information is being provided to assist in your 2014 tax preparations. The information is also mailed to applicable Columbia fund non-corporate shareholders with their year-end
More informationNOTICE OF PROTECTION PROVIDED BY [STATE] LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION
NOTICE OF PROTECTION PROVIDED BY This notice provides a brief summary of the [STATE] Life and Health Insurance Guaranty Association (the Association) and the protection it provides for policyholders. This
More informationSTATE DATA CENTER. District of Columbia MONTHLY BRIEF
District of Columbia STATE DATA CENTER MONTHLY BRIEF N o v e m b e r 2 0 1 2 District Residents Health Insurance Coverage 2000-2010 By Minwuyelet Azimeraw Joy Phillips, Ph.D. This report is based on data
More informationState Individual Income Taxes: Treatment of Select Itemized Deductions, 2006
State Individual Income Taxes: Treatment of Select Itemized Deductions, 2006 State Federal Income Tax State General Sales Tax State Personal Property Tax Interest Expenses Medical Expenses Charitable Contributions
More informationIn This Issue. July 5, 2013
July 5, 2013 Which States Reward College Savers? The last Adviser Fund Update focused on the basics of 529 plans. In this edition, we'll continue examining 529s with a look at tax implications, management
More informationRecruitment and Retention Resources By State List
Recruitment and Retention Resources By State List Alabama $5,000 rural physician tax credit o http://codes.lp.findlaw.com/alcode/40/18/4a/40-18-132 o http://adph.org/ruralhealth/index.asp?id=882 Area Health
More informationPlease contact test@test.com if you have any questions regarding this survey.
1. Which of the following best describes your position within the company? - CEO/owner - Partner/senior executive - Professional (consultant, legal, medical, architect) - Finance/accounting/purchasing
More informationQuestion for the filing office of Texas, Re: the Texas LLC act. Professor Daniel S. Kleinberger. William Mitchell College of Law, Minnesota
Topic: Question by: : Question for the filing office of Texas, Re: the Texas LLC act Professor Daniel S. Kleinberger William Mitchell College of Law, Minnesota Date: March 18, 2012 Manitoba Corporations
More informationState by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement
State by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement THE FOLLOWING ARE ONLY GENERAL SUMMARIES OF THE PRACTICE ACTS EACH STATE HAS REGARDING CONSERVATIVE SHARP DEBRIDEMENT
More informationNAIC Annuity Suitability Requirements by State
NAIC Annuity Suitability Requirements by Specific Alabama Alaska 10/16/2011 TBD Arizona Arkansas If you obtained a life insurance license prior to 10/16/11, you must complete the NAIC course by 4/16/12.
More informationIRS Request for Assistance re New EIN and True Owner. Question by: Sarah Steinbeck on behalf of Leslie Reynolds. Date: 5 August 2010
Topic: IRS Request for Assistance re New EIN and True Owner Question by: Sarah Steinbeck on behalf of Leslie Reynolds Jurisdiction: Colorado/NASS Date: 5 August 2010 Jurisdiction Question(s) Have you spoken
More informationIn-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1
In-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1 $18,464 New New Hampshire 2 Hampshire $16,552 3 Vermont
More informationGOVERNMENT-FINANCED EMPLOYMENT AND THE REAL PRIVATE SECTOR IN THE 50 STATES
GOVERNMENT-FINANCED EMPLOYMENT AND THE REAL PRIVATE SECTOR IN THE 50 STATES BY KEITH HALL AND ROBERT GREENE November 25, 2013 www.mercatus.org 0.7 2.4 4.2 FEDERAL CONTRACT FUNDED PRIVATE-SECTOR JOBS AS
More informationWhat to Know About State CPA Reciprocity Rules. John Gillett, PhD, CPA Chair, Department of Accounting Bradley University, Peoria, IL
What to Know About State CPA Reciprocity Rules Paul Swanson, MBA, CPA Instructor of Accounting John Gillett, PhD, CPA Chair, Department of Accounting Kevin Berry, PhD, Assistant Professor of Accounting
More information********************
THE SURETY & FIDELITY ASSOCIATION OF AMERICA 1101 Connecticut Avenue, N.W., Suite 800 Washington, D. C. 20036 Phone: (202) 463-0600 Fax: (202) 463-0606 Web page: www.surety.org APPLICATION Application
More informationNAIC Annuity Suitability Requirements by State
NAIC Annuity Suitability Requirements by Specific Alabama Alaska 10/16/2011 TBD Arizona Arkansas If you obtained a life insurance license prior to 10/16/11, you must complete the NAIC course by 4/16/12.
More informationSchedule B DS1 & DS3 Service
Schedule B DS1 & DS3 Service SCHEDULE B Private Line Data Services DS1 & DS3 Service... 2 DS-1 Local Access Channel... 2 DS-1 Local Access Channel, New Jersey... 2 DS-1 Local Access Channel, Out-of-State...
More informationStates Ranked by Alcohol Tax Rates: Beer (as of March 2009) Ranking State Beer Tax (per gallon)
States Ranked by Alcohol Tax Rates: Beer (as of March 2009) Ranking State Beer Tax (per gallon) Sales Tax Applied 1 Wyoming $0.02 4% 2 4 8 10 Missouri $0.06 4.225% Wisconsin $0.06 5% Colorado $0.08 2.9%
More informationReal Progress in Food Code Adoption
Real Progress in Food Code Adoption The Association of Food and Drug Officials (AFDO), under contract to the Food and Drug Administration, is gathering data on the progress of FDA Food Code adoptions by
More informationTHE 2013 HPS SALARY SURVEY
THE 2013 HPS SALARY SURVEY Stephen L. Bump Introduction The 2013 Health Physics Society (HPS) survey data was collected by having health physicists (HPs) submit their responses to survey questions on a
More informationLibrary ebook Survey hosted by OverDrive
Library ebook Survey hosted by OverDrive ebook survey hosted by OverDrive and American and Library American Association Library (ALA) Association (ALA) 1. State of residency: Alabama 0.8% 583 Alaska 0.5%
More informationCurrent State Regulations
Current State Regulations Alabama: Enacted in 1996, the state of Alabama requires all licensed massage therapists to * A minimum of 650 classroom hours at an accredited school approved by the state of
More informationSocial Media: Understanding User Patterns and Compliance Issues. June 2011. Electronic copy available at: http://ssrn.com/abstract=1859443
Social Media: Understanding User Patterns and Compliance Issues June 2011 Electronic copy available at: http://ssrn.com/abstract=1859443 TABLE OF CONTENTS I. Executive Summary....3 II. Key Findings of
More informationPUBLIC HOUSING AUTHORITY COMPENSATION
PUBLIC HOUSING AUTHORITY COMPENSATION Background After concerns were raised about the level of compensation being paid to some public housing authority (PHA) leaders, in August 2011 HUD reached out to
More informationAttachment A. Program approval is aligned to NCATE and is outcomes/performance based
Attachment A The following table provides information on student teaching requirements across several states. There are several models for these requirements; minimum number of weeks, number of required
More informationADDENDUM TO THE HEALTH INSURANCE MARKETPLACE SUMMARY ENROLLMENT REPORT FOR THE INITIAL ANNUAL OPEN ENROLLMENT PERIOD
ASPE Issue BRIEF ADDENDUM TO THE HEALTH INSURANCE MARKETPLACE SUMMARY ENROLLMENT REPORT FOR THE INITIAL ANNUAL OPEN ENROLLMENT PERIOD For the period: October 1, 2013 March 31, 2014 (Including Additional
More informationNurse Aide Training Requirements, 2011
Nurse Aide Training Requirements, 2011 Background Federal legislation (Omnibus Budget Reconciliation Act of 1987) and associated regulations (42 CFR 483.152) require that Medicare- and Medicaid-certified
More informationA/B MAC Jurisdiction 1 Original Medicare Claims Processor
A/B MAC Jurisdiction 1 Jurisdiction 1 - American Samoa, California, Guam, Hawaii, Nevada and Northern Mariana Islands Total Number of Fee-For-Service Beneficiaries: 3,141,183 (as of Total Number of Beneficiaries
More informationLPSC Renewable Energy Pilot y RFPs issued by Utility Companies by Order of Commission, November 2010
Renewable Energy LPSC Renewable Energy Pilot y RFPs issued by Utility Companies by Order of Commission, November 2010 y Searching for various forms of renewable energy and their actual cost in Louisiana
More informationTHE 2012 HPS SALARY SURVEY
THE 2012 HPS SALARY SURVEY Gary Lauten Introduction The 2012 Health Physics Society (HPS) survey data was collected by having health physicists (HPs) submit their responses to survey questions on a webbased
More informationReal Progress in Food Code Adoption
Real Progress in Food Code Adoption August 27, 2013 The Association of Food and Drug Officials (AFDO), under contract to the Food and Drug Administration, is gathering data on the progress of FDA Food
More informationSupplier Business Continuity Survey - Update Page 1
Supplier Business Continuity Survey - Update Page 1 Supplier Business Continuity Survey A response is required for every question General Information Supplier Name: JCI Supplier Number: Supplier Facility
More informationState Estate Taxes BECAUSE YOU ASKED ADVANCED MARKETS
ADVANCED MARKETS State Estate Taxes In 2001, President George W. Bush signed the Economic Growth and Tax Reconciliation Act (EGTRRA) into law. This legislation began a phaseout of the federal estate tax,
More informationNurse Aide Training Requirements, October 2014
Nurse Aide Training Requirements, October 2014 Background Federal legislation (Omnibus Budget Reconciliation Act of 1987) and associated regulations (42 CFR 483.152) require that Medicare- and Medicaid-certified
More informationWe do require the name and mailing address of each person forming the LLC.
Topic: LLC Managers/Members Question by: Jeff Harvey : Idaho Date: March 7, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Arizona requires that member-managed LLCs
More informationSTATISTICAL BRIEF #273
STATISTICAL BRIEF #273 December 29 Employer-Sponsored Health Insurance for Employees of State and Local Governments, by Census Division, 28 Beth Levin Crimmel, M.S. Introduction Employees of state and
More information2015 National Utilization and Compensation Survey Report. Section 3 Billing Rates. Based on Data Collected: 4 th Quarter 2014
2015 National Utilization and Compensation Survey Report Section 3 Billing s Based on Data Collected: 4 th Quarter Copyright 2015 Reproduction of this report or portions thereof without express written
More informationCOMPARE NEBRASKA S BUSINESS CLIMATE TO OTHER STATES. Selected Business Costs for Each State. Workers Compensation Rates
COMPARE NEBRASKA S BUSINESS CLIMATE TO OTHER STATES Selected Business Costs for Each State Workers Compensation Rates Unemployment Insurance Costs Electricity Rates Gas Rates Average Hourly Earnings in
More informationAcceptable Certificates from States other than New York
Alabama 2 2 Professional Educator Certificate 5 Years Teacher Yes Professional Educator Certificate 5 Years Support Services Yes Alaska 2 Regular Certificate, Type A 5 Years, renewable Teacher Yes At least
More informationOverview of School Choice Policies
Overview of School Choice Policies Tonette Salazar, Director of State Relations Micah Wixom, Policy Analyst CSG West Education Committee July 29, 2015 Who we are The essential, indispensable member of
More informationTax update 2015 Important information to prepare your tax return
Tax update 2015 Important information to prepare your tax return Included in this edition, tax information for the Deutsche funds Tax-exempt income notes Percentage of 2015 tax-exempt income by state U.S.
More informationSample/Excerpts ONLY Not Full Report
Sample/Excerpts ONLY Not Full Report Contents at a Glance CONTENTS AT A GLANCE... 2 HOME AUTOMATION USA MARKET... 4 DESCRIPTION... 4 KEY BENEFITS... 4 KEYWORDS... 4 REGION-BASED HOME AUTOMATION MARKET
More information14-Sep-15 State and Local Tax Deduction by State, Tax Year 2013
14-Sep-15 State and Local Tax Deduction by State, Tax Year 2013 (millions) deduction in state dollars) claimed (dollars) taxes paid [1] state AGI United States 44.2 100.0 30.2 507.7 100.0 11,483 100.0
More informationSECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System (Board), the Federal Deposit
SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency
More information2014 Tax Changes. This document currently reflects only tax changes of which ADP was notified by tax agencies as of January 2, 2014.
2014 Tax Changes Beginning with your first payroll with checks dated in 2014, employees may notice changes in their paychecks due to updated 2014 federal and state tax requirements. This document will
More informationSECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. or branches outside of its home state primarily for the purpose of deposit production.
SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (the agencies)
More information$7.5 appropriation $6.5 2011 2012 2013 2014 2015 2016. Preschool Development Grants
School Readiness: High-Quality Early Learning Head Start $10.5 $9.5 $10.1 +$1.5 +17.7% $8.5 $7.5 +$2.1 +27.0% $6.5 for fiscal year 2010 Included in the budget is $1.078 billion to ensure that every Head
More informationQuestion by: Karon Beyer. Date: March 28, 2012. [LLC Question] [2012-03-29]
Topic: LLC Question Question by: Karon Beyer : Florida Date: March 28, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Arizona uses "manager" or "member," but not
More informationList of State Residual Insurance Market Entities and State Workers Compensation Funds
List of State Residual Insurance Market Entities and State Workers Compensation Funds On November 26, 2002, President Bush signed into law the Terrorism Risk Insurance Act of 2002 (Public Law 107-297,
More informationMINIMUM CAPITAL & SURPLUS AND STATUTORY DEPOSITS AND WHO THEY PROTECT. By: Ann Monaco Warren, Esq. 573.634.2522
MINIMUM CAPITAL & SURPLUS AND STATUTORY DEPOSITS AND WHO THEY PROTECT By: Ann Monaco Warren, Esq. 573.634.2522 With the spotlight on the financial integrity and solvency of corporations in the U.S. by
More informationThe Obama Administration and Community Health Centers
The Obama Administration and Community Health Centers Community health centers are a critical source of health care for millions of Americans particularly those in underserved communities. Thanks primarily
More information(In effect as of January 1, 2004*) TABLE 5a. MEDICAL BENEFITS PROVIDED BY WORKERS' COMPENSATION STATUTES FECA LHWCA
(In effect as of January 1, 2004*) TABLE 5a. MEDICAL BENEFITS PROVIDED BY WORKERS' COMPENSATION STATUTES Full Medical Benefits** Alabama Indiana Nebraska South Carolina Alaska Iowa Nevada South Dakota
More informationModel Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT
Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 1. Model Regulation Service January 2006 Purpose Definition Exemptions Disclosure Requirements Insurer Duties
More informationJuly 2012 (1) States With Negative Growth 22 States With Positive Growth 25
Respondent Coverage: 100% July 2012 Current Month Current Month New England 9.5% Connecticut -3.3% Maine 3.6% Massachusetts 24.1% New Hampshire -0.1% Rhode Island 13.3% Vermont -0.3% Middle Atlantic -3.5%
More informationFacing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value
w Reports: Health Insurance Marketplace Exchange Enrollment Satisfaction Improves Significantly in Second Year Facing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value WESTLAKE VILLAGE,
More informationEMBARGOED UNTIL 6:00 AM ET WEDNESDAY, NOVEMBER 30, 2011
A State-by-State Look at the President s Payroll Tax Cuts for Middle-Class Families An Analysis by the U.S. Department of the Treasury s Office of Tax Policy The President signed into law a 2 percentage
More informationZurich Term Death Benefit Protection With Options
Zurich Term Death Benefit Protection With Options Offered by Zurich American Life Insurance Company Zurich Term life insurance provides death benefit protection plus a contractual right to convert to any
More informationIn 2013, 75.9 million workers age 16 and older in the. Characteristics of Minimum Wage Workers, 2013. Highlights CONTENTS
U.S. BUREAU OF LABOR STATISTICS M A R C H 2 0 1 4 R E P O R T 1 0 4 8 Characteristics of Minimum Wage Workers, 2013 below the figure of 13.4 percent in 1979, when data were first collected on a regular
More informationModel Regulation Service July 2005 LIFE INSURANCE MULTIPLE POLICY MODEL REGULATION
Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 1. Model Regulation Service July 2005 Purpose Authority Exemptions Duties of Insurers Severability Effective
More informationI have been asked to pose the following questions to the list serve regarding disaster recovery plans
Topic: Question by: : Disaster Recovery Plan Scott W. Anderson Nevada Date: November 19, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District
More information2009-10 STATE AND LOCAL GOVERNMENT TAX AND REVENUE RANKINGS. By Jacek Cianciara
2009-10 STATE AND LOCAL GOVERNMENT TAX AND REVENUE RANKINGS By Jacek Cianciara Wisconsin Department of Revenue Division of Research and Policy December 12, 2012 TABLE OF CONTENTS Key Findings 3 Introduction
More informationUse of "Mail Box" service. Date: April 6, 2015. [Use of Mail Box Service] [April 6, 2015]
Topic: Question by: : Use of "Mail Box" service Kathy M. Sachs Kansas Date: April 6, 2015 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District
More informationState Tax Deductions for Contributions to 529 Plans Presented by Advisor Name
State Tax Deductions for Contributions to 529 Plans Presented by Advisor Name Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Contributions
More informationCounty - $0.55/$500 - $.75/$500 depending on +/- 2 million population 0.11% - 0.15% Minnesota
22-Apr-13 State Deed Transfer and Mortgage Tax Rates, 2012 Alabama State Tax Description Transfer Fee Rate Deeds $0.50/$500 0.10% Mortgages $0.15/$100 0.15% Alaska Arizona $2 fee per deed or contract Flat
More informationPopulation, by Race and Ethnicity: 2000 and 2010
Table 1 Population, by Race and Ethnicity: 2000 and 2010 Universe: 2000 and 2010 resident population 2010 population 2000 population Percent, 2010 Percent, 2000 Hispanic 50,729,570 35,204,480 16.4 12.5
More informationImpact of the House Full-Year Continuing Resolution for FY 2011 (H.R. 1)
U.S. DEPARTMENT OF EDUCATION DISCRETIONARY PROGRAMS Impact of the House Full-Year Continuing Resolution for (H.R. 1) Students Impacted* Job Losses Elementary & Secondary Education Programs Grants to Local
More informationState Corporate Income Tax Rates As of July 1, 2009
State Tax Rates and Special Rates or Notes Brackets Alabama 6.5% Federal deductibility Alaska 1.0% > $0 2.0 > 10K 3.0 > 20K 4.0 > 30K 5.0 > 40K 6.0 > 50K 7.0 > 60K 8.0 > 70K 9.0 > 80K 9.4 > 90K Arizona
More informationExploring the Impact of the RAC Program on Hospitals Nationwide
Exploring the Impact of the RAC Program on Hospitals Nationwide Overview of AHA RACTrac Survey Results, 4 th Quarter 2010 For complete report go to: http://www.aha.org/aha/issues/rac/ractrac.html Agenda
More informationLow-Profit Limited Liability Company (L3C) Date: July 29, 2013. [Low-Profit Limited Liability Company (L3C)] [July 29, 2013]
Topic: Question by: : Low-Profit Limited Liability Company (L3C) Kevin Rayburn, Esq., MBA Tennessee Date: July 29, 2013 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado
More informationPopulation, by Race and Ethnicity: 2000 and 2011
Table 1 Population, by Race and Ethnicity: 2000 and 2011 Universe: 2000 and 2011 resident population 2011 population 2000 population Percent, 2011 Percent, 2000 Hispanic 51,927,158 35,204,480 16.7 12.5
More informationVerizon Wireless Ranks Highest in Wireless Network Quality Performance in Five Regions; AT&T Ranks Highest in One Region
Reports: Tablet and Mobile Broadband Devices Generate Increased Data Quality Issues as Usage Patterns and Customer Expectations Impact Problem Incidence Ranks Highest in Wireless Network Quality Performance
More informationCollege Completion in Connecticut: The Impact on the Workforce and the Economy
College Completion in : The Impact on the Workforce and the Economy February 2012 Investing in Individuals and Society through College Completion 30 25 20 15 10 5 0 Higher Levels of Education and Skills
More informationrecovery: Projections of Jobs and Education Requirements Through 2020 June 2013
recovery: Projections of Jobs and Requirements Through June 2013 Projections of Jobs and Requirements Through This report projects education requirements linked to forecasted job growth by state and the
More informationTHE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT
THE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT INTRODUCTION In September 2009, the Executive Office of the President
More informationHighlights and Trends: ASHA Counts for Year End 2009
Highlights and Trends: ASHA Counts for Year End 2009 Constituents -- How many are there? How have the numbers changed? v ASHA currently represents 140,039 speech-language pathologists, audiologists, and
More information