Basic Civil Engineering first year Notes- Chapter 4 Building.pptx
Funcional planejamento financeiro
1. AIESEC in São Carlos – Discovery Days – 2010.2AIESEC EM ARACAJU
Financial
Education
Hélio Carvalho
Finance Director – AIESEC em Aracaju
2. AIESEC in São Carlos – Discovery Days – 2010.2
Objectives of the Session
Understand the importance of financial
planning;
How to Make a Budget;
Money-Saving Tips;
Sharing experiences and tips.
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3. AIESEC in São Carlos – Discovery Days – 2010.2
What is this?
Decision-making
Resources Management
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4. AIESEC in São Carlos – Discovery Days – 2010.2
• Purchasing a property ;
• Achieve goals , like an exchange;
• A good standard of living;
• Buy a house or a car;
• Financial security.
Consequences of a Good Planning
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5. AIESEC in São Carlos – Discovery Days – 2010.2
Problematic
Planning and savings
Unlimited Wishes X Finite Resources
Why?
• Psychological factors;
• Marketing campaigns;
• Easy credit;
• Brazilian background: political and economic
instability
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6. AIESEC in São Carlos – Discovery Days – 2010.2
Planning Dynamics
• Follow the planning systematically
• Without external influenced = disciplined
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7. AIESEC in São Carlos – Discovery Days – 2010.2
Expenditure Dynamics
• To include in the financial planning a error
limit
Budget
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8. AIESEC in São Carlos – Discovery Days – 2010.2
Budgeting - Three Steps
• The 1st step is to make a detailed budget
(revenue and expenditure);
• The 2nd step is to define the objectives;
• The 3rd step is to define what kind of
investor you are.
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PDCA Cycle
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PLAN
• Know the current situation ;
• Gathering information:
Expenditure record.
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DO
• Awareness
• To bargain
• No waste
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CHECK
• Day after day
• Expenses registry
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ACT
• Identify deviations;
• Revise the plan;
• Change attitudes.
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Economist advice
•To Save 10% of income
•Share this 10% in three equal parts and apply
them in investments of short,medium and long
term.
•SHORT TERM = savings accounts, 0.6% per month.
•MEDIUM TERM = CBD Fixed Income, 0.7 to 0.8% per
month.
•LONG TERM = is important to start walking in the stock
market.
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Example
= =
R$ 1/day during 20 years = R$ 15.000,00
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Projection of savings
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MANAGERS
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Planning- X
Expensives Medium
DT, TT, ET, MT = R$5.000,00
Expenses may vary according to the benefits
of the TN.
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19. AIESEC in São Carlos – Discovery Days – 2010.2
Specific Factors
• Country;
• TN features;
• Fee;
• Health ensurance;
• Duration;
• Ticket;
• Trips, parties, shoppings.
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20. AIESEC in São Carlos – Discovery Days – 2010.2
LET’S TRY!?
• Balance:
> SIMULATOR
Revenue Expenditure
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