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The final concert for the Battle of the Bands held at the Phoenix Concert Theatre, Toronto on November 17, 2016.
Photos by Arthur Mola Photography
The final concert for the Battle of the Bands held at the Phoenix Concert Theatre, Toronto on November 17, 2016.
Photos by Arthur Mola Photography
Millennials, that generation born roughly between 1980 and 1995, used to be stereotyped as young adults that dislike roots, are constantly on the move, like to job-hop, and blow their savings on travel, gadgets, and other trappings of the good life.
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21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
Maria Freitas, Policy Advisor at the Foundation for European Progressive Studies (FEPS), Belgium
Millennials in Massachusetts are already demonstrating their civic impact by working at the local, state, and federal levels to create change in their communities. The Institute brought young leaders together to discuss how their generation is defining civic engagement, the value and importance of public service, and what political activism means for up-and-coming thought leaders.
21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
Laurent Thieule, Director, European Committee of the Regions
The final concert for the Battle of the Bands held at the Phoenix Concert Theatre, Toronto on November 17, 2016.
Photos by Arthur Mola Photography
21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
Irene Milleiro, Change.org European Campaigns Director, Spain
21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
Between October, 2007 and March, 2009, the S&P 500 lost 57 percent of its value. At the same time, the housing crisis destroyed home values in epic proportions, with many areas seeing real estate prices plunge by a higher percentage than the S&P. The financial carnage wiped out the savings of millions of Americans, cost millions of jobs, and forced the nation into a foreclosure crisis. 401(K) plans lost so much value that many people began calling them 101(K)s.
The oldest Millennial’s had just begun their working lives. Many promptly lost their jobs and money. If they had bought any real estate of started investing in retirement plans and the stock market, they bought at the top of the market and bore the full brunt of the crisis. Younger Millennial’s were still in school. They watched their parents lose their retirement savings, homes, and jobs. They watched college funds be devalued almost overnight.
Having experienced these dire times, Millennial’s have become a bit like depression-era people. Millennial’s have a preference for cash and lots of it. They may not be literally stuffing their mattresses with currency, but they are socking money away more than the previous three generations.
Cash is king:
In the Millennial realm, he or she who has cash reigns. Psychologically, this makes sense. If you came of age in a time of uncertainty, you are more likely to value security. Gen Xers and Boomers grew up in a time where buying a home was a certain path to long-term security. Jobs lasted decades or entire careers.
Investing made sense. Over the long term, everyone knew stocks gained far more than bonds or savings accounts. Movies like Wall Street promoted the idea that the big money was on Wall Street, and you had to play the market if you expected to get wealthy.
Despite their young age, 42 percent of Millennial’s invest conservatively, a higher portion than Gen Xers and Boomers, even though the older generations are much closer to retirement. This is a strong statement by Millennial’s. They don’t trust the investment markets.
Millennial’s are remarkably good at saving:
Millennial’s bend toward financial conservatism extends beyond investments. They also save more than Gen Xers or Boomers ever did. Millennial’s average an 11 percent savings rate. When their parents or grandparents were their age, the U.S. savings rate was often negative.
The discipline shown by Millennial’s demonstrates that they feel the need to remain financially independent. They can no longer rely on an employer to provide salary and benefits into the far-flung future. They also feel they need to make their own plans for retirement. Growing up at the time of the downfalls of Enron and Bernie Madoff, they feel a need for more self-reliant.
Student debt:
Many Millennial’s also carry heavy student loan burdens. Being deeply indebted at such a young age can certainly cause anyone to be more conservative with their money. No one wants to default on their loans or stress about coming up with the payments every month. If Millennial’s live too close to the edge, they are likely to be forced to defer loan payments or even default, which means those student loans may be hanging over them for a very long time.
Mark Angelo is the Co-Founder of Yorkville Advisors.
With the generation that has seen the most dramatic change from all the previous generations, millennials have taken on a new mindset to change the workforce and way of thinking. With popular date-stamping cameras and Polaroid cameras at the climax of their company, cheap, 600 box-type instant cameras where seen everywhere, taking quick pictures to develop fast and simple. With the tones of popular instant film of the time turning out with either a very warm or very cool-tinted color (depending on the weather,) this gave the millennial generation a nostalgic and hip feel that would still carry on to this day.
21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
Millennials in Massachusetts are already demonstrating their civic impact by working at the local, state, and federal levels to create change in their communities. The Institute brought young leaders together to discuss how their generation is defining civic engagement, the value and importance of public service, and what political activism means for up-and-coming thought leaders.
21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
Natalie Rastoin, President of Ogilvy France, France
The final concert for the Battle of the Bands held at the Phoenix Concert Theatre, Toronto on November 17, 2016.
Photos by Arthur Mola Photography
21 October 2016, Connecting with millennials EuroPCom 2016 #europcom @EuroPCom2016 Belgium - Brussels - October 2016 (C) European Union / Hatim Kaghat
Natalie Rastoin, President of Ogilvy France, France
Halal tourism has grown at almost double the rate of the wider industry in recent years, with halal hotels springing-up to cater for an expanding millennial market. Read more goltune.com/millennials-are-boosting-the-halal-tourism/
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Spanx paved the way for many other shapewear brands. Shapewear is overtaking the online shopping domain and is transitioning itself into an essential for millennials. Despite this fact, is Spanx quickly losing popularity with millennials and generation X? Wearing shapewear for the first time can feel slightly like an emotional roller coaster ride. Just squeezing […]
The post Will Body Positive Millennials Stand for Being Squished Into Their Mother’s Spanx? appeared first on Best Shapewear.
The final concert for the Battle of the Bands held at the Phoenix Concert Theatre, Toronto on November 17, 2016.
Photos by Arthur Mola Photography
Someone began yelling at these young people, who had clearly crossed the barrier and started climbing a part of the cliffs that was particularly off limits. They were all like, "HEY GET OFF THE ROCKS! YOU CAN'T BE UP THERE!!! STOP TAKING PICTURES AND GET OFF!!!!!!!!!"
West Lulworth, Dorset, England.