Allstate/National Journal Heartland Monitor #10 Key Findings

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Allstate/National Journal Heartland Monitor #10 Key Findings"

Transcription

1 Strategic Cmmunicatins M EM ORAN DUM TO: FROM: Allstate FTI Strategic Cmmunicatins DATE: 10/14/11 RE: Allstate/Natinal Jurnal Heartland Mnitr #10 Key Findings This memrandum utlines key findings frm the natinally representative survey cnducted September 28-Octber 2, 2011 amng 1,000 adults (800 adults reached via landline and 200 adults reached via cell phne). The survey investigated Americans pinins n the current state f private and public debt. The pll has an verall margin f errr f +/- 3.1%. OVERVIEW This tenth survey in the Heartland Mnitr plling series cmes after a summer f cntentius battles ver the federal debt ceiling in Washingtn, during a tumultuus several weeks in the stck market, and amidst renewed cncerns abut the glbal ecnmy. All f this, f curse, after several years f slw ecnmic recvery, anxiety ver a duble-dip recessin, threats f gvernment default, and stagnant jb grwth and hme values. It is, therefre, nt surprising t see data that shws Americans t be highly pessimistic abut the directin f the cuntry and lukewarm abut where the ecnmy is headed ver the next year. Similarly, mst Americans express at least sme level f cncern abut their wn ecnmic wellbeing and their ability t make ends meet. Crrectly r incrrectly, Americans cnnect the dts between the cnditin f the federal gvernment s balance sheet and the state f the ecnmy and, thus, the state f their wn financial well-being. This cnnectin is clear in the data, as 79% f Americans believe that the federal gvernment s budget deficit and debt have an impact n their persnal financial situatin. The lessn Americans have taken frm the ecnmic dwnturn f the past several years and the recent budget battles in Washingtn is that debt is undesirable at all levels frm their persnal husehld budget t the federal gvernment. On a husehld level, mst Americans reject the idea that persnal debt helps them achieve the American Dream, and, thus, are making effrts t eliminate r reduce debt. On a natinal level, Americans believe that debt is a drag n ecnmic recvery and that in rder t stimulate the ecnmy, debt reductin and spending cuts need t take pririty ver additinal gvernment spending K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

2 Strategic Cmmunicatins The American public is als skeptical abut Washingtn s ability t slve the budget prblem. Mre than 70% say they re nt t cnfident r nt at all cnfident in elected fficials ability t reach an agreement t reduce the budget deficit. And, the survey als shws an increase frm ur previus surveys in the belief that gvernment is nt the slutin t ur ecnmic prblems; gvernment is the prblem. When it cmes dwn t a discussin f different plicy slutins fr debt and deficit spending, Americans frustratin with elected fficials and their distaste fr debt culminate in a rejectin f additinal spending and investment, and the belief right r wrng that the federal gvernment needs t manage its budget by the same rules that American husehlds are expected t fllw. Finally, it is imprtant t nte that as we ve seen in ur previus Heartland Mnitr surveys, Americans say they trust advice n hw t imprve their persnal financial situatin frm the peple and institutins that are clsest t them. This means they trust friends and family, cmmunity rganizatins, their persnal financial advisr, and their emplyer. They d nt trust financial experts in the media r elected fficials. THE MOOD OF THE COUNTRY Americans express significant cncerns abut the directin f the cuntry and the trajectry f the ecnmy. 70% f Americans believe that things in the cuntry are seriusly ff n the wrng track, while nly 20% believe the cuntry is headed in the right directin. Americans pessimism is at its highest pint since we started measuring this sentiment n the first Heartland Mnitr pll in April Americans are nearly evenly split n their impressin f the directin f the ecnmy. Half (50%) believe the ecnmy will imprve ver the next 12 mnths, while 46% believe it will wrsen. Cnfidence in the directin f the ecnmy has erded steadily since we asked this questin in April 2010, when 70% f Americans believed the ecnmy wuld imprve. Americans are mst likely t blame the actins f investment firms and banks fr the ecnmic dwnturn, thugh there is plenty f blame t g arund. 51% cite investment firms and banks making risky lans and investments as the biggest r next-biggest cntributing factr t the ecnmic dwnturn. 39% say the fault lies with American cmpanies nt investing their prfits in creating jbs at hme. 37% blame the plicies under the Bush administratin, including tax cuts fr the wealthy K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

3 Strategic Cmmunicatins 35% believe that families are t blame fr having taken n debt that they culdn t affrd. 26% say that Obama s plicies are t blame, including tax cuts and stimulus spending. OPINIONS ON DEBT AND SPENDING Cncerns abut the ecnmic impact f federal debt are fueling a preference fr deficit reductin ver stimulus spending. Americans blame the expanding debt mstly n the cst f the wars in Iraq and Afghanistan. 47% believe these wars are the biggest reasn why the budget went frm surplus t deficit in recent years. 17% blame the cst f dmestic spending under President Obama, while 16% blame the tax cuts passed under President Bush. Just 11% believe the ecnmic slwdwn has been the biggest cause f the deficit, and nly 6% blame the grwing csts f Scial Security and Medicare. When it cmes t gvernment deficit spending during an ecnmic dwnturn, mst Americans reject the ntin that the gvernment shuld cntinue t spend in rder t stimulate ecnmic grwth. 56% f Americans line up behind the idea that deficit spending during an ecnmic dwnturn is the wrng apprach because it increases lng term debt instead f grwing the ecnmy by cutting spending and nt raising taxes. 38% supprt the idea that deficit spending during a dwnturn is critical because the gvernment has the unique ability t stimulate the ecnmy thrugh public investment that lwers unemplyment and encurages spending. This issue breaks fairly predictably by plitical party, with 55% f Demcrats supprting the idea f spending t stimulate the ecnmy and 74% f Republicans preferring t help the ecnmy by cutting spending and nt raising taxes. Independents side mstly with Republicans, preferring spending cuts ver stimulus by a 36%-59% margin. Americans verwhelmingly believe that effrts by gvernment and individuals t reduce debt wuld help the ecnmy. 61% believe that reducing debt by paying ff lans and reducing spending wuld help the ecnmy by creating mre savings that culd be invested K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

4 Strategic Cmmunicatins 29% believe that reducing debt by paying ff lans and reducing spending wuld hurt the ecnmy by reducing the amunt f mney spent n gds and services. Given sme cntext abut hw the United States was actually mre deeply in debt than the cuntry is nw (as a percentage f GDP) during the depressin and Wrld War II, Americans reject the idea f increasing current spending t stimulate ecnmic grwth. Only 30% believe that the current situatin merits additinal spending t stimulate grwth. 65% believe that the current fcus shuld be n reducing debt and cutting gvernment spending. Demcrats are split n this idea f spending in a histrical perspective. 45% believe the current situatin merits additinal stimulus while 48% prefer a fcus n reducing debt and spending. Republicans (13%-83%) and Independents (27%-68%) prefer debt and spending reductin by wide margins. Americans are mre supprtive f arguments abut why the federal gvernment s budget shuld be run like American husehld budgets. Prvided with arguments n bth sides f the rhetrical debate, 60% f Americans believe that the federal gvernment shuld have t manage its budget like a husehld, meaning paying back lans and debt, investing fr the future, and living within its means. Just 36% believe that the gvernment shuld nt be expected t manage its budget like a husehld because f its unique ability and respnsibility t stimulate the ecnmy and make investments during a recessin and because f its ability t brrw mney at lwer rates and n a lnger timeline. Republicans (76%) and Independents (64%) believe in the gvernment as a husehld argument, while a majrity f Demcrats (53%) agree with the argument abut the gvernment s unique rle K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

5 Strategic Cmmunicatins TRUST IN GOVERNMENT Americans are skeptical abut the federal gvernment s rle in the ecnmy and its ability t reach an agreement n the budget deficit. In the current ecnmic envirnment, Americans hesitate t endrse an active rle fr the gvernment. 40% say that in the current ecnmic envirnment, gvernment is nt the slutin t ur ecnmic prblems it is the prblem. 29% say they d like t see the gvernment play an active rle in ensuring the ecnmy benefits peple like them, but they are nt sure they can trust the gvernment t d that effectively. 27% believe that the gvernment must play an active rle in regulating the marketplace and ensuring that the ecnmy benefits them. The Heartland Mnitr series has tracked this questin since January 2010 acrss five surveys. The gvernment is the prblem sentiment is the highest we ve tested thus far, indicating an increasing mistrust f gvernment s rle in the ecnmy. Americans express little cnfidence in Washingtn s ability t reach an agreement t reduce the federal budget deficit. 71% say they are nt t cnfident r nt cnfident at all in elected fficials ability t reach an agreement. Just 28% say they are very r smewhat cnfident. Assuming an agreement can be reached in Washingtn that reduces the deficit thrugh a cmbinatin f mstly spending cuts, but als increasing revenue with sme tax increases, Americans are slightly ptimistic that such an agreement wuld have a psitive impact n the ecnmy. 49% believe this agreement wuld have a psitive impact n the ecnmy because it wuld instill cnfidence, increase ecnmic activity, and result in mre emplyment pprtunities. 43% believe this agreement wuld have a negative impact because higher taxes wuld limit jb creatin and spending, and because budget cuts wuld result in layffs and less gvernment spending. Optimism abut the ecnmic impact f this ptential agreement is highest amng high incme husehlds making abve $100k per year (59% say psitive impact ) and amng cllege-educated Americans (54% say psitive impact ) K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

6 Strategic Cmmunicatins PERSONAL FINANCIAL SITUATION Mst Americans express sme degree f wrry r cncern abut their persnal financial situatin. 60% f Americans describe their persnal financial situatin as nly fair r pr a slight deteriratin frm the 56% we recrded n ur first Heartland Mnitr pll in April Thse mre likely t describe their finances as fair r pr are thse withut a cllege degree, thse with lwer incmes, yunger Americans, and ethnic minrities. 38% say they expect their persnal financial situatin t imprve ver the next year, while 46% believe it will stay the same, and 14% say it will get wrse. Just 26% f Americans say they live cmfrtably and save an adequate amunt fr retirement r ther needs. Fully 50% say they get by every mnth but find it difficult t save and invest. And, 22% say they find it hard t make ends meet every mnth. Americans wuld trust advice abut imprving their persnal financial situatin frm their friends and family (75% wuld trust a great deal r sme ), their emplyer (64% f thse emplyed), nn-prfit rganizatins (59%), and financial and investment advisrs (54%). They wuld NOT trust financial experts in the media (60% wuld trust nt very much r nt at all ), r elected fficials (71%). Ntably, Americans believe that the federal gvernment s budget deficit and debt has a majr impact n their persnal financial situatin. 79% believe it has a great deal r sme impact n their persnal finances, with nearly half (46%) saying it impacts them a great deal. This pinin is widely held acrss partisan, educatinal and incme levels and amng Americans frm all regins and races K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

7 Strategic Cmmunicatins AMERICANS OWN PERSONAL DEBT Mst Americans are nt verly cncerned abut their persnal debt burden, but they believe that debt creates an unwanted bstacle that they are eager t pay ff. Mst Americans reject the idea that persnal debt prvides a path t the American Dream. 56% believe that persnal debt creates an bstacle t the American Dream by encuraging peple t spend beynd their means and burdening them with years f interest payments. 39% believe it prvides a path t the American Dream that allws them t brrw against future earnings t pay fr cllege, a hme, a car, r t start a business. Americans are evenly split ver the impact that persnal debt has n their wn life. 43% believe that debt expanded their pprtunities by allwing them t make purchases they culdn t affrd frm their current incme. 42% believe that debt reduced their pprtunities by burdening them with bills they culdn t affrd t pay. Opinins n this matter vary greatly by incme and educatin level thse with higher incmes and a cllege degree are mre likely t believe that debt expanded their pprtunities, while thse with lwer incmes and n degree believe that debt has reduced pprtunities. 83% f Americans say they have debt f ne kind r anther, including credit card debt (42%), a mrtgage (38%), a car lan (32%), unpaid medical expenses (22%), student lans (21%), a hme equity lan (12%), tax debt (5%), a small business lan (3%), a farm lan (1%), r ther persnal debt (13%). 71% f Americans say they have a credit card, including 31% wh have three r mre cards. Tw-thirds f Americans say they wuld describe their credit scre as excellent r gd and ver half f Americans (52%) say they have checked r seen their credit scre within the past year. Amng thse Americans wh hld sme kind f debt, 41% say the amunt is manageable and they have little cncern abut paying it ff. 47% say their debt is smewhat wrrisme, but they shuld be able t pay it ff as lng as nthing bad happens. And, 11% say their debt level is dangerus and they have serius cncerns abut paying it ff K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

8 Strategic Cmmunicatins 25% f Americans say their debt has increased ver the past few years, while 31% say it has decreased, and 41% say it has stayed the same. The ecnmic dwnturn has encuraged many Americans t take steps t pay ff debt r nt take n any new debt. 47% say the dwnturn has encuraged them t pay ff debt r nt take n new debt, even if that meant cutting back n spending. Only 12% say the ecnmy has required them t take n mre debt t meet their daily expenses. 63% say they ve cut back n spending n things like clthing, vacatins, and dinners ut in rder t limit their debt. Carrying t much debt is lw n Americans list f wrries abut their persnal financial situatin. Only 8% cite it as their tp cncern, ranking belw ther cncerns abut high expenses, lw pay, hme values, finding a jb, saving fr retirement, and their children s educatin. THE POLITICAL ENVIRONMENT Americans pinins abut President Obama s jb perfrmance and plicies have erded smewhat since the beginning f the Heartland Mnitr plling series. Hwever, there is a remarkable cnsistency t the trend data, indicating that mst American have deeplyset pinins abut the President s impact n the cuntry and n the ecnmy. The President s apprval rating is 44%, lwer than it s been in 9 previus plls. 41% f Americans say they wuld vte t re-elect President Obama while 51% say they wuld vte fr smene else. 40% say they trust President Obama t develp slutins t the cuntry s ecnmic prblems, while 33% wuld trust Republicans in Cngress. 20% say they wuld trust neither. 31% believe that the actins taken by the Obama administratin will increase pprtunities fr peple like them, while 37% believe thse actins will decrease pprtunities. 26% believe the plicies will have n impact. 11% believe the cuntry is significantly better ff because f the plicies Obama has pursued. 42% say the cuntry is nt significantly better ff, but beginning t mve in the right directin because f his plicies. 41% say the cuntry is significantly wrse ff because f Obama s plicies. 48% f Americans believe that Obama s ecnmic plicies have run up a recrd deficit while failing t end the recessin r slw jb lsses. 43% believe that his plicies helped avid a wrse crisis and are laying the fundatin fr recvery K Street, NW, 9 th Flr Washingtn, DC T: F: fax fticnsulting.cm

SUMMARY OF SURVEY FINDINGS

SUMMARY OF SURVEY FINDINGS MEMORANDUM TO: Allstate FROM: FTI Cnsulting DATE: 05 / 29 / 2015 RE: Allstate/Natinal Jurnal Heartland Mnitr XXIII Key Findings This memrandum utlines key findings frm a natinal survey f American adults

More information

MEMORANDUM. FTI Consulting DATE: 05/25/12. Allstate/National Journal Heartland Monitor #13 Key Findings

MEMORANDUM. FTI Consulting DATE: 05/25/12. Allstate/National Journal Heartland Monitor #13 Key Findings Strategic Cmmunicatins MEMORANDUM TO: FROM: Allstate FTI Cnsulting DATE: 05/25/12 RE: Allstate/Natinal Jurnal Heartland Mnitr #13 Key Findings This memrandum utlines key findings frm the natinally representative

More information

FTI Consulting DATE: 12 /4 /12. Allstate/National Journal Heartland Monitor XV Key Findings

FTI Consulting DATE: 12 /4 /12. Allstate/National Journal Heartland Monitor XV Key Findings Strategic Cmmunicatins MEMORANDUM TO: FROM: Allstate FTI Cnsulting DATE: 12 /4 /12 RE: Allstate/Natinal Jurnal Heartland Mnitr XV Key Findings This memrandum utlines key findings frm the natinally representative

More information

Children s Leadership Council Hart Research Associates DATE: October 13, 2014 Findings from National Survey on Children s Programs

Children s Leadership Council Hart Research Associates DATE: October 13, 2014 Findings from National Survey on Children s Programs TO: FROM: Children s Leadership Cuncil Hart Research Assciates DATE: Octber 13, 2014 RE: Findings frm Natinal Survey n Children s Prgrams Frm September 25 t 29, 2014, Hart Research Assciates cnducted a

More information

To: From: Re: December 5, 2011

To: From: Re: December 5, 2011 December 5, 2011 T: Frm: Re: Interested Parties Ben Tulchin and Crey O Neil, Tulchin Research Califrnia Decline-t-State (DTS) Vters Shw Strng Prgressive, Pr-Envirnment Stance Tulchin Research recently

More information

Fixed vs. Variable Interest Rates

Fixed vs. Variable Interest Rates Fixed vs. Variable Interest Rates Understanding the Advantages and Disadvantages f Each Rate Type When shpping fr financial prducts, there are a lt f factrs t cnsider. Much has changed in the financial

More information

President Obama and Secretary Geithner Announce Plans to Unlock Credit for Small Businesses

President Obama and Secretary Geithner Announce Plans to Unlock Credit for Small Businesses THE WHITE HOUSE Office f the Press Secretary FOR IMMEDIATE RELEASE March 16, 2009 President Obama and Secretary Geithner Annunce Plans t Unlck Credit fr Small Businesses Emphasizes Recvery Effrts Already

More information

Blizzard Ball: Snowballs versus Avalanches

Blizzard Ball: Snowballs versus Avalanches Blizzard Ball: Snwballs versus Avalanches Blizzard Ball is a fun, active way t review the key cncepts f and debt cvered in Katrina s Classrm Lessn 3, A Fresh Start. The activity allws players t strategize

More information

How much life insurance do I need? Wrong question!

How much life insurance do I need? Wrong question! Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be

More information

Health Care Reform: The New Law

Health Care Reform: The New Law Health Care Refrm: The New Law Prfessr Sidney D. Watsn April 7, 2010 On March 23, 2010 President Obama signed int law the Patient Prtectin and Affrdable Care Act (H.R. 3590). On March 29, the President

More information

The Allstate Foundation Domestic Violence Program 2015 Moving Ahead Financial Empowerment Grant

The Allstate Foundation Domestic Violence Program 2015 Moving Ahead Financial Empowerment Grant The Allstate Fundatin Dmestic Vilence Prgram 2015 Mving Ahead Financial Empwerment Grant Due Date: September 1, 2015 Online applicatin: https://www.grantrequest.cm/sid_1010?sa=sna&fid=35296 The Allstate

More information

FINANCE SCRUTINY SUB-COMMITTEE

FINANCE SCRUTINY SUB-COMMITTEE REPORT FOR: PERFORMANCE AND FINANCE SCRUTINY SUB-COMMITTEE Date f Meeting: 6 January 2015 Subject: Staff Survey and Sickness Absence Mnitring Results and Actin plans Respnsible Officer: Scrutiny Lead Member

More information

Change Management Process

Change Management Process Change Management Prcess B1.10 Change Management Prcess 1. Intrductin This plicy utlines [Yur Cmpany] s apprach t managing change within the rganisatin. All changes in strategy, activities and prcesses

More information

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE POLICY PROPOSAL ON CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE As child care

More information

WHITE PAPER. Vendor Managed Inventory (VMI) is Not Just for A Items

WHITE PAPER. Vendor Managed Inventory (VMI) is Not Just for A Items WHITE PAPER Vendr Managed Inventry (VMI) is Nt Just fr A Items Why it s Critical fr Plumbing Manufacturers t als Manage Whlesalers B & C Items Executive Summary Prven Results fr VMI-managed SKUs*: Stck-uts

More information

A Walk on the Human Performance Side Part I

A Walk on the Human Performance Side Part I A Walk n the Human Perfrmance Side Part I Perfrmance Architects have a license t snp. We are in the business f supprting ur client rganizatins in their quest fr results that meet r exceed gals. We accmplish

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

UMB Investment and Wealth Management Economic and Market Outlook

UMB Investment and Wealth Management Economic and Market Outlook Ecnmic and Market Outlk Return t the Lng, Hard Slg Part One V r W r July 19, 2010 William B. Greiner, CFA President and Chief Investment Officer Scut Investment Advisrs william.greiner@scut-ia.cm Outlk

More information

Phi Kappa Sigma International Fraternity Insurance Billing Methodology

Phi Kappa Sigma International Fraternity Insurance Billing Methodology Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t

More information

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE The value f planning ahead The

More information

Student Finance Myth Busting

Student Finance Myth Busting Student Finance Myth Busting Student Finance Mythbusting It s nw three years since student finance in England was radically verhauled, yet myths, panic and cnfusin are still widespread. S frget the plitics,

More information

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

Conversations of Performance Management

Conversations of Performance Management Cnversatins f Perfrmance Management Perfrmance Management at Ohi State The Secnd Cnversatin ~ Develpment 2011 The Ohi State University Office f Human Resurces Cntents Intrductin Welcme t Develping Emplyees...

More information

Here are some simple guidelines to follow for making wise investments:

Here are some simple guidelines to follow for making wise investments: FAQ - Investment 1. What affects the value f mney? Mney has a tendency t lse its value ver time because the price f gds and services has an upward tendency. This is called inflatin. Here are sme factrs

More information

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program Refinancing Sectin 95 & 61 c-ps CHF Canada s Refinancing Prgram Lndn Educatin Event 2015 0 CHF Canada s Refinancing Prgram Intrductins Sectin 95 & Sectin 61 Purpse f the Refinancing Prgram Hw the new mrtgage

More information

STATEMENT OF. Alice M. Rivlin Director Congressional Budget Office

STATEMENT OF. Alice M. Rivlin Director Congressional Budget Office STATEMENT OF Alice M. Rivlin Directr Cngressinal Budget Office befre the Special Cmmittee n Aging United States Senate June 16, 1981 Mr. Chairman: I am pleased t appear befre this Cmmittee t discuss shrt-term

More information

Maintain a balanced budget primarily the General & Park Funds

Maintain a balanced budget primarily the General & Park Funds EXHIBIT B City f Chic Budget Cntingency Plan P The purpse f the Budget Cntingency Plan is t establish a guideline and general apprach t respnd t adverse financial and ecnmic cnditins that culd negatively

More information

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type:

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type: Wiltshire Cuncil Crprate Debt Recvery Plicy: 29102010 WILTSHIRE COUNCIL CORPORATE DEBT RECOVERY POLICY 1. Intrductin The Cuncil raises a significant prprtin f its ttal incmes thrugh lcal taxes and charges,

More information

Social Assistance Rates Update

Social Assistance Rates Update Scial Assistance Rates Update and infrmatin n the Ontari Child Benefit The 2013 Ontari budget included a number f changes t scial assistance. INCOME SECURITY ADVOCACY CENTRE ISAC has prepared several fact

More information

Group Income Protection (GIP) Claim Case Studies

Group Income Protection (GIP) Claim Case Studies www.gruprisk.rg.uk Grup Incme Prtectin (GIP) Claim Case Studies What is GIP? GIP is a plicy taken ut by emplyers t cver their prmise t prvide sick pay t emplyees if illness r injury prevents them wrking

More information

City of Gold Coast. Debt Management. Public Statement

City of Gold Coast. Debt Management. Public Statement City f Gld Cast Debt Management Public Statement Octber 2015 This statement explains the City f Gld Cast s debt management apprach and psitin. It includes the fllwing: Overall Financial Psitin Prfit and

More information

2010 AT&T Business Continuity Study CENTRAL REGION (Missouri) Results

2010 AT&T Business Continuity Study CENTRAL REGION (Missouri) Results 2010 Business Cntinuity Study: Missuri 2010 AT&T Business Cntinuity Study CENTRAL REGION (Missuri) Results Key Findings IT Plans fr 2010 IT budgets fr 2010 are abut the same r higher than thse f the previus

More information

White Paper on Business Process Outsourcing in Automotive Industry

White Paper on Business Process Outsourcing in Automotive Industry White Paper n Business Prcess Outsurcing in Autmtive Industry Intrductin As autmtive industry is stepping int a market landscape which is favrable t it, there is untapped market ptential which is critically

More information

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals Budget Wrkbk This budget wrkbk was cmpiled t help yu find a simple and practical guide fr managing yur mney. Mney management abilities can have a great effect n the degree f satisfactin we gain frm life.

More information

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport Yur Mney: Hw t manage n AmeriCrps lw wages, save mney and get ut f debt! Presented by: Sarah Yunker-Keppel, Indiana Reading Crps Prgram Directr Facilitatr s Guide If yu are making lw wages (living paycheck

More information

Personal Financial Literacy: An Introduction to Financial Planning

Personal Financial Literacy: An Introduction to Financial Planning Persnal Financial Literacy: An Intrductin t Financial Planning Overview In this intrductry lessn n persnal financial literacy, students will discuss the imprtance f financial planning and the varius steps

More information

International University of Japan 2015 IUJ Scholarship Guidelines: PhD Programs For Non-Japanese Applicants

International University of Japan 2015 IUJ Scholarship Guidelines: PhD Programs For Non-Japanese Applicants Internatinal University f Japan 2015 IUJ Schlarship Guidelines: PhD Prgrams Fr n-japanese Applicants In This Guide... List f Available Schlarships thrugh IUJ and Other Institutins, and Hw t Apply Categry

More information

Unpaid Internships: A Survey of the NACE Membership. executive summary. Research EXECUTIVE SUMMARY NATIONAL ASSOCIATION OF COLLEGES AND EMPLOYERS

Unpaid Internships: A Survey of the NACE Membership. executive summary. Research EXECUTIVE SUMMARY NATIONAL ASSOCIATION OF COLLEGES AND EMPLOYERS EXECUTIVE SUMMARY NATIONAL ASSOCIATION OF COLLEGES AND EMPLOYERS Unpaid Internships: A Survey f the NACE Membership executive summary In Spring 2010, natinal media, the presidents f 13 universities, the

More information

A Guide to Buying Foreclosures

A Guide to Buying Foreclosures A Guide t Buying Freclsures Use this step by step guide t better understand the freclsure market and the prcess invlved in purchasing these prperties. 9 Steps t help yu buy a freclsure. A Guide t Buying

More information

Team Hpe Walk fr HD Where we have been. Where we are ging. 1 Welcme T Team Hpe Walk fr HD 2009! Jana Wilcx, Natinal Manager 2 Tday s Gals Gal #1: Share with yu The Visin f the Walk Initiative Prvide a

More information

Internet and E-Mail Policy User s Guide

Internet and E-Mail Policy User s Guide Internet and E-Mail Plicy User s Guide Versin 2.2 supprting partnership in mental health Internet and E-Mail Plicy User s Guide Ver. 2.2-1/5 Intrductin Health and Scial Care requires a great deal f cmmunicatin

More information

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15 AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides

More information

HOW TO SELECT A LIFE INSURANCE COMPANY

HOW TO SELECT A LIFE INSURANCE COMPANY HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite

More information

Re: Draft Performance Monitoring Framework and Draft Indicators for the Provincial Policy Statement, 2005

Re: Draft Performance Monitoring Framework and Draft Indicators for the Provincial Policy Statement, 2005 June 19, 2009 Kyle MacIntyre Team Lead PPS Perfrmance Mnitring Framewrk Ministry f Municipal Affairs and Husing Prvincial Planning Plicy Branch 777 Bay Street, 14 th Flr Trnt, ON M5G 2E5 Re: Draft Perfrmance

More information

WSI White Paper. Prepared by: Feras Alhlou Web Analytics Expert, WSI

WSI White Paper. Prepared by: Feras Alhlou Web Analytics Expert, WSI Optimize Yur Marketing Dllars During The Recessin WSI White Paper Prepared by: Feras Alhlu Web Analytics Expert, WSI Intrductin We have heard it many times, an ld management and marketing saying: Yu Can

More information

What is an SBA Loan? SBA Loans

What is an SBA Loan? SBA Loans SBA Lans The State Bank is a Preferred SBA (Small Business Administratin) Lender. The State Bank has delegated authrity t underwrite and apprve SBA lans n behalf f the SBA, thereby greatly expediting the

More information

Data Analytics for Campaigns Assignment 1: Jan 6 th, 2015 Due: Jan 13 th, 2015

Data Analytics for Campaigns Assignment 1: Jan 6 th, 2015 Due: Jan 13 th, 2015 Data Analytics fr Campaigns Assignment 1: Jan 6 th, 2015 Due: Jan 13 th, 2015 These are sample questins frm a hiring exam that was develped fr OFA 2012 Analytics team. Plan n spending n mre than 4 hurs

More information

Army DCIPS Employee Self-Report of Accomplishments Overview Revised July 2012

Army DCIPS Employee Self-Report of Accomplishments Overview Revised July 2012 Army DCIPS Emplyee Self-Reprt f Accmplishments Overview Revised July 2012 Table f Cntents Self-Reprt f Accmplishments Overview... 3 Understanding the Emplyee Self-Reprt f Accmplishments... 3 Thinking Abut

More information

Sustainable Prosperity

Sustainable Prosperity Alexander Wd Senir Directr, Plicy and Markets alex@sustainableprsperity.ca Sustainable Prsperity Innvatin in Plicy and Markets fr a Greener, Mre Cmpetitive, Ecnmy Deplying Clean Technlgies: Canada-United

More information

Grant Makers Income Security Task Force Chicago, Illinois September 2010

Grant Makers Income Security Task Force Chicago, Illinois September 2010 Wage Theft and ther wrkplace abuses: Injury at wrk: Grant Makers Incme Security Task Frce Chicag, Illinis September 2010 Lw-incme Illinisans literally wrking their way int pverty. Illinis Gvernr s Panel

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

A Quick Read on the State of Small Business and the Small Business Success Index 2009 Baseline Study of Small Business Success

A Quick Read on the State of Small Business and the Small Business Success Index 2009 Baseline Study of Small Business Success A Quick Read n the State f Small Business and the Small Business Success Index 2009 Baseline Study f Small Business Success March 12, 2009 Spnsred by: Netwrk Slutins, LLC and Rbert H. Smith Schl f Business,

More information

SCHOLARSHIP APPLICATION

SCHOLARSHIP APPLICATION Assciatin f State Dam Safety Officials UNDERGRADUATE SCHOLARSHIP APPLICATION SUBMIT APPLICATION AND ATTACHMENTS POSTMARKED BY MARCH 31, 2016 TO: Assciatin f State Dam Safety Officials 239 S. Limestne Lexingtn,

More information

Please rate the statements below from 1 5 based on whether you agree or disagree.

Please rate the statements below from 1 5 based on whether you agree or disagree. Academics Please rate the statements belw frm 1 5 based n whether yu agree r disagree. 1. I believe Niagara Falls public schls d a gd jb preparing students t be successful. 2. During the past 3 years,

More information

Serving the Underserved: Initiatives to Broaden Access to the Financial Mainstream. Thursday, June 26, 2003 10 A.M.

Serving the Underserved: Initiatives to Broaden Access to the Financial Mainstream. Thursday, June 26, 2003 10 A.M. Testimny f James E. Yung, President & CEO Citizens Trust Bank Atlanta, Gergia Befre U. S. Huse f Representatives Subcmmittee n Financial Institutins and Cnsumer Credit Hearing 2128 Rayburn Huse Office

More information

SUMMARY This is what Business Analysts do in the real world when embarking on a new project: they analyse

SUMMARY This is what Business Analysts do in the real world when embarking on a new project: they analyse S yu want t be a Business Analyst? Analyst analyse thyself. SUMMARY This is what Business Analysts d in the real wrld when embarking n a new prject: they analyse Why? Why are we ding this prject - what

More information

Environmental Science

Environmental Science Envirnmental Science Rbert Fuhrman rfuhrman@cvenantschl.rg 434.220.7335 Curse Descriptin: This curse is an interdisciplinary apprach t the study f Earth s ecsystems and the interactins f man with the natural

More information

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman Small Business Fraud Custm Study amng Small Business Owners Cnducted fr SunTrust Banks/Natinal Small Business Assciatin/Edelman Octber 17, 2007 Objective & Methdlgy Objective In cllabratin with SunTrust

More information

Typical Interview Questions and Answers

Typical Interview Questions and Answers Typical Interview Questins and Answers Why d yu want t wrk fr this cmpany? Why are yu interested in this jb? The interviewer is trying t determine what yu knw and like abut the cmpany, whether yu will

More information

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe LASA Lans and Savings Abertawe Swansea s Credit Unin Lan Applicatin Frm Frequently Asked Questins YOUR QUESTIONS ANSWERED PLEASE READ CAREFULLY Hw much can I brrw? The amunt f any lan granted is subject

More information

IPA Putting Better Regulation into Practice

IPA Putting Better Regulation into Practice Revised Versin April 2009 IPA Putting Better Regulatin int Practice Dealing with Debt A Basic Guide t Alternative Ways f Reslving Debt Prblems If yu have debt prblems, there are a number f pssible alternatives

More information

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals:

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals: The fllwing tpics were discussed in the March 24, 2016 meeting with law firms representing VCF claimants. Grup A Payment Issues: We cntinue t fcus n paying Grup A claims in full and are meeting the schedule

More information

Research Findings from the West Virginia Virtual School Spanish Program

Research Findings from the West Virginia Virtual School Spanish Program Research Findings frm the West Virginia Virtual Schl Spanish Prgram Funded by the U.S. Department f Educatin Cnducted by R0cKMAN ETAL San Francisc, CA, Chicag, IL, and Blmingtn, IN Octber 4, 2006 R0cKMAN

More information

The need to boost the expertise in the private sector to develop, adapt and adopt new technologies (innovation expertise)

The need to boost the expertise in the private sector to develop, adapt and adopt new technologies (innovation expertise) Implicatins fr New Zealand universities: cmmentary n Catalysing Ecnmic Grwth: Bsting Innvatin Expertise in the Private Sectr - a paper by the Institutin f Prfessinal Engineers f New Zealand (IPENZ) Overview

More information

How are UMSL students performing academically?

How are UMSL students performing academically? Schlarship Restructuring Recmmendatins University Assembly Cmmittee n Recruitment, Admissins, Retentin, and Student Financial Aid April 24, 2007 Pints fr Cnsideratin: UMSL has a limited amunt f Student

More information

Cornwall Partners in Care

Cornwall Partners in Care Crnwall Partners in Care Mving Frward Versin 2.0 8 th January 2014 By Richard Mnk Crnwall Partners in Care August 2013 Page 1 f 6 CPIC mving frward This dcument has been created t help prvide a little

More information

Data Protection Act Data security breach management

Data Protection Act Data security breach management Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

St Andrews Christian College BOARD CONFLICT OF INTEREST POLICY

St Andrews Christian College BOARD CONFLICT OF INTEREST POLICY St Andrews Christian Cllege BOARD CONFLICT OF INTEREST POLICY April 2011 St Andrews Christian Cllege 2 Bard Cnflict f Interest Plicy Plicy Dcument Infrmatin Plicy Name Bard Cnflict f Interest Plicy Authr/Supervisr

More information

A Guide for Writing Reflections

A Guide for Writing Reflections A Guide fr Writing Reflectins Writing Thelgical Reflectins What is thelgical reflectin? The purpse f Thelgical Reflectin (TR) is t identify and analyze a significant event and prcess the even frm a biblical

More information

Reducing road user distraction

Reducing road user distraction Page 1 Reducing rad user distractin Activities have been adapted frm Limiting Risks, Prtecting Lives (NSW Centre fr Rad Safety). Crssrads utcmes 1.2 Critically analyse situatins, attitudes and behaviurs

More information

Global Warming s Six Americas and the Election, 2016

Global Warming s Six Americas and the Election, 2016 Glbal Warming s Six Americas and the Electin, 2016 Summary Americans hld diverse views n glbal warming, falling int six distinct grups Glbal Warming s Six Americas that range in their beliefs, attitudes,

More information

SWARTHMORE GIFT PLANNING

SWARTHMORE GIFT PLANNING SWARTHMORE GIFT PLANNING Gift Basics Thank yu fr serving as a 50 th reunin gift planning representative fr yur class. Yur supprt fr the Cllege and yur membership in the Swarthmre Legacy Circle will serve

More information

Succession Planning & Leadership Development: Your Utility s Bridge to the Future

Succession Planning & Leadership Development: Your Utility s Bridge to the Future Successin Planning & Leadership Develpment: Yur Utility s Bridge t the Future Richard L. Gerstberger, P.E. TAP Resurce Develpment Grup, Inc. 4625 West 32 nd Ave Denver, CO 80212 ABSTRACT A few years ag,

More information

The Cost Benefits of the Cloud are More About Real Estate Than IT

The Cost Benefits of the Cloud are More About Real Estate Than IT y The Cst Benefits f the Clud are Mre Abut Real Estate Than IT #$#%&'()*( An Osterman Research Executive Brief Published December 2010 "#$#%&'()*( Osterman Research, Inc. P.O. Bx 1058 Black Diamnd, Washingtn

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006)

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006) Marketing Cnsultancy Divisin (MCD) Exprt Cnsultancy Unit (ECU) Exprt in Fcus Exprt Market Expansin Strategies Rabi-I, 1427 (April, 2006) 1 Exprt Market Expansin Strategies Intrductin It is clear that glbalizatin

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback

ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT A. Principles and Benefits f Onging Feedback While it may seem like an added respnsibility t managers already "full plate," managers that prvide nging feedback

More information

By offering the Study Abroad Scholarship, we hope to make your study abroad experience much more affordable!

By offering the Study Abroad Scholarship, we hope to make your study abroad experience much more affordable! Internatinal Educatin Prgrams is pleased t annunce a Study Abrad Schlarship fr Seattle Central Cmmunity Cllege students. The schlarship has been established by the Internatinal Educatin Prgrams divisin

More information

Making Home Affordable Program Update

Making Home Affordable Program Update Making Hme Affrdable Prgram Update On February 18, the Obama Administratin annunced the Making Hme Affrdable (MHA) Prgram, a cmprehensive plan t stabilize the U.S. husing market. As prmised, tw weeks later

More information

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011 Watlingtn and Chalgrve GP - Patient Satisfactin Survey 2011 Backgrund During ne week in Nvember last year patients attending either the Chalgrve r the Watlingtn surgeries were asked t cmplete a survey

More information

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

More information

PART 6. Chapter 12. How to collect and use feedback from readers. Should you do audio or video recording of your sessions?

PART 6. Chapter 12. How to collect and use feedback from readers. Should you do audio or video recording of your sessions? TOOLKIT fr Making Written Material Clear and Effective SECTION 3: Methds fr testing written material with readers PART 6 Hw t cllect and use feedback frm readers Chapter 12 Shuld yu d audi r vide recrding

More information

How to Address Key Selection Criteria

How to Address Key Selection Criteria Hw t Address Key Selectin Criteria Yu've seen an jb pprtunity that yu're interested in, n a jbs bard r in the press and want t apply, but where d yu start? A key requirement fr jbs in Gvernment is t respnd

More information

Smart City Stakeholder Dialogue

Smart City Stakeholder Dialogue Smart City Stakehlder Dialgue On 26 February 2016, KPMG Banarra and Hitachi Australia, supprted by Hitachi Data Systems, hsted a stakehlder dialgue that lked at Smart Cities and the technlgy and innvatin

More information

Hartford Seminary s. Online Application Instructions

Hartford Seminary s. Online Application Instructions Hartfrd Seminary s Online Applicatin Instructins Hartfrd Seminary is pleased t annunce that nline applicatin is nw pssible fr mst f ur prgrams as fllws: Dctr f Ministry: Use nline applicatin Master f Arts:

More information

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd.

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd. Cmmittee: Date(s): Infrmatin Systems Sub Cmmittee 11 th March 2015 Subject: Agilisys Managed Service Financial Reprt Reprt f: Chamberlain Summary Public Fr Infrmatin This reprt prvides Members with an

More information

How to Finance your Investment

How to Finance your Investment Hw t Finance yur Investment Acquiring a Lan - Key Steps Using the bank's mney t finance the purchase f a business rather than using yur wn capital will give yu significant tax advantages, s speak t yur

More information

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

Pilot Learning Group. Round Table Action Learning Session 1: Models of partnership working

Pilot Learning Group. Round Table Action Learning Session 1: Models of partnership working Pilt Learning Grup Rund Table Actin Learning Sessin 1: Mdels f partnership wrking Intrductin The Academy fr Justice (AJC) pilt learning grup was established fllwing a requirement t develp Learning Grups

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY

JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY THE CHALLENGES FACING THE MEDICAL PROFESSION ARISING OUT OF THE HIGH COST OF PROFESSIONAL MEDICAL INDEMNITY INSURANCE AND HOW THESE CHALLENGES ARE BEING MET JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY

More information

Software Quality Assurance

Software Quality Assurance Sftware Quality Assurance Is it the same as Testing? Teji Chpra, Senir Test Cnsultant Planit Sftware Testing Abstract This paper attempts t dispel sme cmmn miscnceptins regarding the rles f Testing and

More information

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance An American Benefits Cnsulting White Paper American Benefits Cnsulting, LLC 99 Park Ave, 25 th Flr New Yrk, NY 10016 212 716-3400 http://www.abcsys.cm Grup Term Life Insurance: Table I Straddle Testing

More information

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014 INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR December 1, 2014 1 Table f Cntents Page Objectives & Methdlgy. 3 Executive Summary 4 Detailed Findings... 6 Questinnaire. 14 2 Objectives & Methdlgy

More information

POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES

POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES M. PĘCIŁŁO Central Institute fr Labur Prtectin ul. Czerniakwska

More information

Advice Sheet: What Employers Want

Advice Sheet: What Employers Want Advice Sheet: What Emplyers Want What Emplyers Want Skills and Attributes In jb descriptins and persn specificatins emplyers ften talk abut the skills and attributes they are lking fr in applicants. But

More information

Loan Repayment Planning Worksheet

Loan Repayment Planning Worksheet Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage

More information