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David Smith
Works at Custom WordPress Site Design
Attends School of Life
Lives in Tucson, AZ
2,122 followers|136,593 views
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David Smith

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While the topic is Millennials and Banking there is a reference in this article that's been on the horizon with real estate industry implications for some time. 

The Changing Financial Desires Of Millennials

Every generation has its financial goals. For much of the past few decades, the goals have been independence through home and car ownership along with a growing retirement account to supplement Social Security and pensions.

Not surprisingly, banks have catered to these desires with a bevy of products, including vastly increased mortgage lending (in fact, increasing to the point of catastrophe as we recently witnessed) along with home-equity loans, investment and retirement advisors, and a customer service relationship centered on local branches.

Millennials have entirely different life goals, and yet, financial institutions have yet to respond with the kinds of products needed to satiate them. Just to start, this generation has the greatest levels of student debt in the country’s history. That means that almost all the products currently offered by banks are mostly irrelevant, since major purchases like homes will be pushed back, perhaps indefinitely.

http://techcrunch.com/2015/05/30/millennial-banks/#.dgey3l:keGn
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David Smith

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Taken with a Nikor 105mm Micro.  All but one were shot today, the Hatcher Pass image was taken a week ago.
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A meadow in the middle of Colonial Williamsburg.  A peaceful place to take a walk on a late afternoon.
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Cana Vineyards, Yes, that's a wine glass you see behind the bottle :)
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Taken at Robert Moses Beach, Long Island Sat. June 7, 2014 in the last afternoon, early evening about 90 minutes before sunset.  Hand held, No photo shopping. Nikon D300 with 28 - 300mm lens.
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Awesome!
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Focus stacking in the wind.
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same camera, new lens 
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David Smith

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Near Elgin, AZ
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Taken my first day in Alaska around Wasilla, Palmer area
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Just stunning pictures!!
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Dogwood Days of Summer
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I lived in DC for a few years and loved hostas, azaleas, dogwoods, etc. The biggest problem for me was the mosquitoes because they drove you indoors after dusk so you couldn't enjoy the beautiful backyards at night. Great pic.
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Summer Solstice celebration at Tarara Winery, VA
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Gorgeous Dave!!! Looks like you are having a fabulous time!!
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focus stacking using a Nexus 7 tablet to remote control a Nikon D300
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Experimenting with a 105mm today on a D300. 
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Add an extension tube to that and you will love it, though I prefer to work with a 200MM and tubes for closeup work. Gives me double the working distance.
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In his circles
593 people
Have him in circles
2,122 people
iodrone tron's profile photo
Steve Goodman's profile photo
Joyce Reese's profile photo
Jan C Lederman's profile photo
Jennifer Vasko's profile photo
Mark Christiana's profile photo
Andy Kaufman's profile photo
Debbie Gentry's profile photo
Jim Pilkington (REMAX North Vancouver)'s profile photo
Collections David is following
Education
  • School of Life
    Gaining Wisdom, 1969 - present
  • Ontario High School
    Just to graduate, 1964 - 1968
  • Cincinnati Bible College
    Christian Ministries, 1970 - 1974
  • Cincinnati Christian Seminary
    Christian Education, 1974 - 1977
Basic Information
Gender
Male
Other names
The Guy in the Red Shirt, DaveInTucson
Story
Tagline
WordPress Small Business Solutions Designer
Introduction
I've lived in Tucson Arizona for the past decade.  I worked at Long Realty Co. as their database administrator for almost 6 years.  Currently, I'm a Blogger, Photographer, Webmaster and Social Media Toe dipper.

I spend most of my days (and nights) creating theme designs for small business and teaching them how to write content that will be indexed and searched.

There's no monthly fee to keep your rankings.  Learn how to do it yourself and you won't need someone telling you they can put you on page 1 of Google, because you will already be there.
Work
Occupation
WordPress Online Solutions For Small Business, Blogger, Photographer
Employment
  • Custom WordPress Site Design
    Blogger, Photographer, WordPress Site Designs, present
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Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Tucson, AZ
Previously
Cumming, IA - West Des Moines, IA - Onalaska, WI - Cincinnati, OH - Ontario, Ohio