How LMI Individuals View Savings and Money

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Bonds Make It Easy

http://bondsmakeiteasy.org Doorways to Dreams (D2D) Fund explores receptivity to savings product marketing using a cutting-edge marketing research tool, the Zaltman Metaphor Elicitation Technique (ZMET). ZMET is an innovative research methodology that elicits insights about human decision making through metaphors and storytelling. This presentation shows application of the ZMET research within the financial services industry, starting with credit unions.

Economia e finanças

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

How LMI Individuals View Savings and Money

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http://bondsmakeiteasy.org Doorways to Dreams (D2D) Fund 2D explores low to moderate income (LMI) households' receptivity to savings product marketing using a cutting-edge marketing research tool, the Zaltman Metaphor Elicitation Technique (ZMET). ZMET is an innovative research methodology that elicits insights about human decision making through metaphors and storytelling. Using a sophisticated interview technique, researchers encourage consumers to create stories and identify images about their feelings related to a topic of study. The ZMET tool can deepen our understanding of how to increase saving activity among LMI households. As a result, the two ZMET studies D2D has undertaken focused on how LMI consumers approach (1) money and savings, and (2) their children’s financial futures.

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http://bondsmakeiteasy.org During the 2007 tax season, Professor Peter Tufano, founder of Doorways to Dreams (D2D) Fund, collaborated with H&R Block to study offering U.S. Savings Bonds (Series I) at 27 H&R Block tax preparation offices. 3,729 clients with federal refunds greater than $500 received a scripted offer to purchase US Savings Bonds. 220 (or 5.9%) of these clients chose to purchase bonds spending an average of $228 each which resulted in tax time savings of $50,100. This memo discusses the details of the 2007 tax season H&R Block US Savings Bond pilot which ran for 14 weeks in two cities: Boston, MA and Schaumberg, IL. The paper reviews preliminary findings related to take-up rate, bond purchasing decisions, and buyer data collected through the tax form. This report concludes with some initial interpretations as well as early policy recommendations.

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http://bondsmakeiteasy.org For several years, Doorways to Dreams (D2D) Fund has tested strategies to help lower-income working people direct part of their annual tax refunds to savings. During tax season 2009, D2D and partners around the country offered nearly 40,000 tax filers a chance to buy a U.S. Savings Bond with part of their refunds.The findings from the study point to the unique power of U.S. Savings Bonds to re-energize America’s historical orientation toward thrift and to help all Americans participate in saving as a hedge against crises and a resource to enable strategic investments, like a home purchase or college education.

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http://bondsmakeiteasy.org An historic opportunity to help all Americans take action to save and strive toward economic independence is now available. The new savings policy the President announced in 2009 takes advantage of the form nearly every American must interact with every year – the federal tax form – and creates a new savings opportunity accessible to the 100 million people who get a tax refund every year. The savings product is a U.S. Savings Bond – a safe, universal, familiar, trustworthy, government-issued savings instrument especially well suited for the small saver, but available to all. This report is a call-to-action for all Americans to seize this historic moment, transform tax time into a savings event each year and to invest in U.S. Savings Bonds, thus encouraging Americans to embrace saving once more and prioritize thrift over spending in financial preparation for the future.

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http://bondsmakeiteasy.org This Guide explores the opportunities and implications of split refunds as they apply to the segment of low and moderate income (LMI) tax filers who rely on Volunteer Income Tax Assistance (VITA) sites to process their taxes. The Guide provides information on split refund procedures, appropriate marketing and messaging for VITA clients, integrating refund splitting into VITA site operations, training volunteer tax preparers, and partnering with financial institutions. While the Guide is directed primarily at those engaged in EITC outreach and VITA site activity, it might also be useful for financial institutions, advocates of asset building, for-profit tax preparers, public officials, and others who acknowledge the importance of saving for LMI households.

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http://bondsmakeiteasy.org For several years, Doorways to Dreams (D2D) Fund has studied the use of U.S. Savings Bonds as a tool to help lower income families save part of their tax refund. From late January to April 15, 2008, in cooperation with H&R Block and 32 community-based tax sites throughout the US, D2D offered US Savings Bonds to over 25,000 lower income tax clients. This paper presents results of this research, including policy recommendations.

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