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End of Summer SymposiumThursday, July 18, 2019
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Pledge of Allegiance
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Host: Barry AltlandDirector, Partner Engagement
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Bill MillsPresident and CEO
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A Thank You to FPP’s Funders
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Thank You to the NAF Future Ready Lab Sponsors
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Thank You to the NAF Future Ready Lab Sponsors
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Thank You to the NAF Future Ready Lab Sponsors
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Symposium Assessment Panel
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NAF Future Ready Lab Assessment Panel
Nelson Pinder, Orange Technical College/Orange County Public Schools
Mary Campos, CenterState Bank
Rich Rollason, Florida Community Loan Fund
Joyce Odongo, Bank OZK
Noel Tiell, CPA, Robert Half
Shannon Latimer, Orange County Public Schools
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Prelude
“Diversifying the Portfolio of Your Future”
Mirrikat Tiwat-Murray
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Diversifying The Investment Portfolio of Your Future
The Impact of the NAF Future Ready Lab on the Rising Generation
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About me
• Financial Background
• Education Background
• Career Goals
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MY EXPERIENCE FIRST YEAR
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The Impact
• How BMFI changed my life
• Senior Year
• College Prep
• Returning to the Internship
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GENERATION Z The Future
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NAF Future Ready Lab
•Ideation
•Research
•Guest Experts
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Financial Crisis and Financial Prosperity
• Socio-economic Background
• Race
• Gender
• Age
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Research Team #1
“A Full Course Meal With Financial Capability”
Thomas Nguyen and Patrice Quetant
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A Full-Course Meal With Financial CapabilityPatrice Quetant & Thomas Nguyen
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Microenterprise Small Business
Annual Sales
Employee Count
Business Structure
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Financial Capability
Financial Accessibility
• Can I do it?
Financial Literacy
• Do I know what I’m doing?
Intrinsic Motivation
• Do I want to do it?
3 Main Components
*Financial capability is the internal capacity to act in one’s best financial interest, given socioeconomic and environmental conditions
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Food Trucks RestaurantsVS
Rich History
Less Workload on the individual
Stationary
Less upfront cost
Less employees needed
Mobile
Per
form
ance
Financial Capability
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Funding• Bank’s point of view• Alternative Sources of Funding• Are you financially capable?
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Proposals / Solutions
Mandatory certification/training for Business Owners
Scale for measuring financial capability
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Research Team #2
“Getting to the Core of Financial Capability”
Deania James and Sebastian Garcia
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Getting to the Core of Financial Capability
By Deania James & Sebastian Garcia
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Introduction To Research
Topic
Philosophies, guiding principles, and core values as key drivers of individual and household financial capability.
Bold StatementOne’s financial capability is
influenced by their set of core
values.
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Ancient Philosophy
❖ Stoicism Inspiration
❖ Christianity's Effect
❖ Zen Mentality
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Important Figures
❖ Benjamin Franklin
❖Warren Buffet
❖ Billie Holiday
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Technology’s Emphasis on People’s Money Personality and Self-Discipline
❖ How it influences your core values?
❖ How it influences your money?
❖ How it reflects your habits?
❖ Why is it important?
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Core Values
❖ What are core values?
❖ Common core values
❖ Influences
❖ Influence on finance
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Emotional Money and Survivalist Mentality
❖ What is emotional money?
❖ How it impact your finances?
❖ How to improve it?
❖What is survivalist Mentality?
❖How it impacts your finances?
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Windfall
❖What does windfall mean?
❖ How are the receivers affected?
❖ How to benefit from it?
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Proposed Solutions
❖ Find someone relatable to teach
❖ Financial Circus/Flash Mob
❖ Advertising and Media
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Summary
❖What influences your core values?
❖ How it affect your finances
❖Ways to improve spending habits
❖ Importance of financial education
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Research Team #3
“‘Fostering’ Finance”
Pranjal Patel and Melanie Diel
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38
LOVESUPPORT
EDUCATION
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39
ABUSED UNPREPARED
NEGLECTED
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25%Do not earn a college degree
85%Will be homeless after 18
Half Are unemployed by 24
40
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41
Orphan Train Movement
➢ 120,000 Orphans from New York were moved
across the US into homes
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42
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“Kids come into foster care, and
we’ve had some relatively
young, pretty messed up
emotionally and struggling with
the ways of the world. They
struggle with what's happening
to them.”
- Mark Anderson
43
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1.
Transition
headlineLet’s start with the first set of
slides
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45
Girls in Foster Care Pregnant by 19
Foster Foster Kids in U.S. Prison
Incarcerated Within 2 years of "Ageing out"
Former Foster Youth on Death Row
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Current solution
Life Skills
Classes
Foster
Parents
Teaching PDFs
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47
Life Skills Classes
- Relations - Child care
- Transportation
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48
Life Skills
Classes
Foster
Parents
Teaching
PDFsCheckmate
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49
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Reflection of
the real world
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51
Have fun and
learn at the
same time
51
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52
Great for ALL ages!
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Voluntary base
- Can not force
individuales .
Dedications
- Improve
depends on
user
Credibility
- May fail to be
recognised as
beneficial 53
Potential Cons
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54
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55
Thanks!
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Research Team #4
“Alternate Into Alternative Energy”
Deandra James and Enrique Huerta
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Alternate to
Alternative Energy
By Deandra James
and Enrique Huerta
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Alternative energy sources are a cost-effective way for
providing power for people and societies
Bold Statement
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What is Alternative Energy?
Energy generation that is different from
fossil fuels.
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Interest in Alternative Energy
Economics
Health
Environment
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Wind Energy
Onshore and Offshore
Initial cost is high
Projects around the
world
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Solar Energy
Solar prices are
decreasing
2019 Federal Solar Tax
Credit
Major solar projects
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Hydroelectric Energy
Most efficient of
energy resources
Future projects and
advancements
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Nuclear Energy
Produces 20 percent
of U.S. Energy
Thorium availability
Increased initiatives
towards nuclear
advancement
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Alternative Energy Obstacles
The politics involved
Fossil fuel corporate
influence
The heavy cost towards
low-to-moderate income
individuals
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Solutions
Government incentives to fossil fuel corporations
Reduced fossil fuel subsidies
A change in the government's view
$26 trillion dollar market
Matter of National Security
Funding from individuals
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Research Team #5
“Savvy Saving for All”
Dijohney Lyn and Brian Kelly
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SAVVY SAVING FOR ALL Short- and long-term saving options
for low- to moderate-income individuals
Dijohney Lyn & Brian Kelly
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Who is low- to moderate-income?
■ Salary compared to county median income
■ 80% of county’s median income is LMI
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It is possible for low- to moderate-incomeindividuals to save short- and long-term
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Psychological Factors
■ Intrinsic motivation
■ Self-efficacy
■ Learned helplessness
■ The presence of scarcity
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Budget
■ Track monthly expenses
■ Income > expenses
■ Be in control
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Needs vs. Wants
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Make saving a habit
■ 66 days forms a habit
■ 22 days breaks a habit
■ Automated savings
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Savings Vehicles
■ Savings account
■ Mutual funds
■ 401K
■ IRA
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FAFSA Solution
■ Free Application for Federal Student Aid
■ Embedded educative savings tool
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Research Team #6
“Financial Capability Should Be Color-Blind”
Kayla Maples and Steven Jordan
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Financial Capability is Color-Blind
Steven Jordan and Kayla Maples
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What Is Financial Capability?
► Access
► Attitude
► Knowledge
► Skills
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Poverty
► What is it?
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Continued..
8%
20%
16%9%
22%
13%
Poverty rates in US
White
Black
Hispanic
Asian/Native Hawaiian and Pacific Islander
American Indian/Alaska native
multiple races
8%
19%
14%11%
13%
13%
Poverty Rates in FL
White
Black
Hispanic
Asian/Native Hawaiian and Pacific Islander
American Indian/Alaska native
multiple races
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Racial Wealth Gap
► What Gap?
► Why:
► Lack of education
► Stuck
► Housing
► Healthcare
► Unbanked/Underbanked
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Lack of Education
► Only 17 states require a finance course
► 32 million adults are considered illiterate
► All states should require a finance course
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Stuck
► Cycle of poverty
► Single parenting
► Baby bonds
Race/Ethnicity
children in single-parent families
Asian Americans and Pacific Islanders 17%
Whites 25%
Hispanics 42%
American Indian and Native Alaskans 53%
Blacks 67%
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Housing
► “Redlining”(again)
► Biggest investment most make
► Hispanic/black neighborhoods undervalued
► “American Housing and Economic Mobility Act”
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Healthcare
► Injury is the leading cause of bankruptcy(46%)
► Low-income who can’t afford unexpected
expenses
► Most that do not have it are people of color
► Make healthcare free for all
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Unbanked/Underbanked
► Too many unbanked/underbanked
► “Redlined” areas
► Mostly those of color
► Bank On
Unbanked (%) Underbanked (%)
Black 16.9 30.4
Hispanic 14.0 28.9
Asian 2.5 17.5
White 3.0 14.1
Other 12.8 28
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Summary
► Require personal finance class
► Baby Bonds
► “American Housing and economic Mobility Act”
► Healthcare for all
► Coalitions/programs (Bank On)
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Research Team #7
“The Neighborhood Wave: Development or Displacement?”
Ayanna Gay and Talia Hughes
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The Neighborhood Wave: Development Or Displacement?
The Impact Of Gentrification On People And Communities Within The United States
By:
Ayanna Gay
Talia Hughes
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Gentrification: What is it?
• 1964 - British Sociologist - Ruth Glass
• Changes in Social and Housing Market
• Restoration of Existing Properties and Buildings
• Historical and Cultural Changes
• Compelled Displacement
• Limited Affordable Housing Availability
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Gentrification vs. Community Building
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Gentrification: The Process
Step 1-Disinvestment
Step 2-“Urban Pioneering”
Step 3-Community Reinvestment
Step 4-Perennial Relocation
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Gentrification: The Impact
• Demographic shift
• Real estate and land use
• Neighborhood gains new reputation
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The Impact cont.• The “techies” and
“hipsters” move in.
• People attempt staying but eventually leave
• Social and Cultural Change
• Long-time Homeowners leave
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Historical Changes
• Historical buildings preserved
• Local businesses
• History of Community
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Affordable Housing within Florida
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The Community Fights Back
• Numerous Protest Attempts
• Organizations Formed
• Trust Funds Set-Up
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Problem with Previous Efforts
$125 million to
balance legislative
budget
No laws in place to
protect homeowners
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Opportunity Zones
• Tax Cuts and Jobs Act 2017
• 8,700 in the U.S.
• 426 in Florida
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Proposed Solution
Opportunity Zone
• Requirements for companies building in an opportunity zone
• Beneficial to residents in the community
• New additions to the area should be affordable
• Job Opportunity for community residents
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Property Tax Cap
• 15 years owning
• Cap on property tax
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Gentrification: Development or Displacement?
1. Perspective2. Do the improvements outweigh the displacement of individuals?3. Should cultural and historical importance matter in a neighborhood
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Research Team #8
“The Bridge Between Mind Over Money”
Katia Destine and Daniella Paolicelli
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Katia Destine & Daniella Paolicelli
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Mental Health Diagnosis have an adverse impact
on Financial Capability.
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Define
Mental Health
-emotional, psychological, & social well being
Mental Health Diagnosis
-depression, anxiety, PTSD, & schizophrenia
Financial Capability
-attitude, accessibility, & knowledge
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History of Mental Health Ancient Times
-demonic possession & punishment from gods
Medieval Times
-human phenomenon & asylums
Modern Times
-deinstitutionalization
Homeless
-26% serious diagnosis
-46% severe & substance abuse
Prison
-2 million
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Florida TeensBaker Act
-involuntary psychiatric facility & 72 hours-50 % increase in 2011-2015-unattainable pricing -debt & reoccurring cycle
2019-1 in 5 youth ages 3-18 experience severe mental health issues -50% of these youth do not receive treatment
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Florida Statistics Population Rank
-9th out of 50 states individuals dealing with diagnoses
Accessibility Rank
-44th out of 50 states
2019 Central Florida Budget:
-$5.7 million increase in schools & districts
-$2.8 million state mental health facilities
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Johnny Taylor
-diagnoses: depression, anxiety, PTSD, & bipolar disorder
-suicidal & self-harm
“To myself and many other men like me, there is one thing that is killing men more than mental illness and
suicide. And it’s called silence.”
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Jeanne Albaugh
• diagnosis: addiction
• suicidal & drug and alcohol
• homeless for 10 years
• CEO of Showering Love
“Alcohol and drugs are a means to escape. They lie to
us and they lie for us.”
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Where Johnny & Jeanne Fall in the Gap
Depression & PTSD- retail therapy; escapism
Bipolar Disorder-manic episodes
Anxiety-relying on others
Addiction-neglecting bills
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depressionanxiety
schizophrenia
bipolar
PTSD
substance abuse
ADHD
OCD
kleptomania
addiction
What can WE do?
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Proposed Solutions Orange County Library System
Program: Orlando Public Service Therapists, Counselors, & Support Center
Financial Capability Certification
Banks and Credit UnionsC.O.P.E
Containing Obsessive Premium Expenses
Virtual RealitypeRSPECTive
Respect the other Perspective
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“I have my good days, I have my bad days. I may never completely win the war, but I will not lose every battle. I have children to fight for, a wife to fight for, my parents to fight for.
And most importantly, I have to fight for myself.”
-Johnny Taylor
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Symposium Assessment Panel
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Thank You to the NAF Future Ready Lab Sponsors
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Thank You to the NAF Future Ready Lab Sponsors
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Thank You to the NAF Future Ready Lab Sponsors
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A Thank You to FPP’s Funders
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End of Summer SymposiumThursday, July 18, 2019