U.S. Family Mean Income Data (2007) Note: National median was $47,300. National mean was $84,300. Bottom 20% Next 20% Middle 20% Next 20% Next 10% Top 10%

Average Starting Salary Offers for 2009 Bachelor's Degree Graduates Chemical Engineering: $64,902 Computer Engineering: $61,738 Computer Science: $61,407 Electrical Engineering: $60,125 Engineering: $59,254 Information Sciences: $52,089 Civil Engineering: $52,048 Finance: $49,940 Economics: $49,829 Accounting: $48,993 Business Administration: $44,944 Marketing: $43,325 History: $37,861 Liberal Arts: $36,175 English: $34,704 Psychology: $34,284 Sociology: $33,280 Source: Campus Grotto.com,

Percent of Families that Save, by Income Category (2007) Bottom 20% Next 20% Middle 20% Next 20% Next 10% Top 10% Nationally, 57% of all families saved in 2007.

U.S. Family Mean Net Assets Data (2007) Bottom 25% Next 25% Next 15% Top 10% Note: National median was $120,300. National mean was $556,300. Note: 66% of assets are non-financial. Note: Total household assets have fallen about 20% since 2007.

U.S. Family Median Net Assets, by Demographics (2007) High School Degree College Degree Nonwhite / Hispanic White Non- Hispanic

Household Debt Non-revolving Revolving Source: Statistical Abstract of the United States. Non-revolving debt equals $13,600 per household (e.g., college loans, auto loans). Revolving debt equals $8,100 per household (credit card debt).

Home Mortgage Debt ( ) Source: Statistical Abstract of the United States. About $100,000 per household.

Personal Bankruptcies in the U.S. Source:

Bottom 20% Second 20% Middle 20% Fourth 20%Top 20% Income (after taxes)10,53427,41945,17970,050150,927 Total expenditures20,47131,15042,44757,28596,752 Food at home2,0052,7413,3333,9805,265 Food away from home1,0301,5192,3493,2625,179 Alcohol Housing8,28511,39014,38819,01731,492 Utilities2,0852,8273,3584,0135,100 Apparel7651,0421,6542,0923,849 Transportation3,2425,7177,92611,05815,831 Healthcare1,4742,4482,8263,2684,244 Entertainment9261,5052,1502,9825,921 Education ,541 Consumer Expenditure Survey (2007)

Year Debt per Household w/ Cards % Change 1995$5, % 1996$6, % 1997$6, % 1998$6, % 1999$7, % 2000 $8, % 2001 $8, % 2002 $8, % 2003 $8, % 2004 $8, % 2005 $9, % 2006 $9, % 2007 $10, % Credit Card Debt in the United States Source: Credit.com,

College Students and Credit Cards (2008 data)  Percent of students with at least one credit card: 84%  Average number of cards per students: 4.6  Average credit card balance: $3,173  About 1/5 of seniors have balances in excess of $7,000  40% of students have charged items knowing they did not have the money to pay off the balance  Percent who pay off balance every month: 17%  84% indicated a need for more financial education  College drop-out rate due to debt: 8.5%  College drop-out rate due to academic problems: 6.0% Sources: “How Undergraduate Students Use Credit Cards,” Sallie Mae, April 2009; and College Student Marketing Agency,

College Students and Credit Cards Source: “How Undergraduate Students Use Credit Cards,” Sallie Mae, April 2009.

College Students and Credit Cards Source: “How Undergraduate Students Use Credit Cards,” Sallie Mae, April 2009.

New Credit Card Rules

 No interest rate increases on pre-existing balances.  No interest rate increases for the first 12 months.  45-day notice for interest rate increases.  Billing statements must be sent 21 days prior to due date.  Payments above the minimum are automatically applied to highest-rate balances.  Under age 21 requires co-signer or proof of ability to pay. However, still no federal legal limit on maximum interest rates (typical maximums are around 30%).

Compulsive Shopping About 6% of Americans are compulsive shoppers, or about 17.6 million. This is higher than the number of alcoholics (estimated to be around 15 million).

Major Stock Market Indices  Dow Jones Industrial Average – Index based on the stock value of 30 very large U.S. corporations (e.g., ExxonMobil, GE, GM, IBM, Citigroup, Coca-Cola, Home Depot, Boeing), see  Standard and Poor’s (S&P) 500 – Index based on the stock prices of 500 large, mostly U.S. corporations (see for full list).  Nasdaq Composite – Index based on the stock prices of about 3,000 “technology and growth” companies, mostly based in the U.S. (see

Average Annual Rates of Return, S&P 500 Historical annualized rate of return is about 9% (a little less than 7% adjusting for inflation).

The S&P 500 over Last Five Years Source: Yahoo Finance, March 30, 2010.

The S&P 500 Historically Source: Yahoo Finance.

Source: “2007 Report on Socially Responsible Investing Trends in the United States,” Social Investment Forum, 2008.