This document provides templates and instructions for budgeting finances as an overseas Filipino worker (OFW) with a family in the Philippines. It includes:
1. A monthly budget sheet to track the OFW's salary, remittances sent home, and expenses of both the OFW and their family. This allows calculation of monthly savings.
2. A yearly budget sheet to total the same categories over a full year.
3. Instructions on determining income sources, listing expenses, performing calculations, and using the sheets to plan expenses and monitor savings over time. The goal is to introduce organized financial planning and management of remittances.
The document discusses three ways a government can reallocate resources: 1) Through taxation policy, the government imposes high taxes on the rich and low taxes on the poor to reduce inequality of income and wealth. 2) To achieve economic stability, the government prevents inflation and depression by running surpluses during inflationary periods and deficits during depressive periods. 3) When managing public expenditure, the government establishes public sector undertakings and provides necessary services, so the budget accounts for funding these programs and arrangements.
Public finance refers to the revenue and spending of governments to achieve national objectives through a cycle of formulating fiscal policy, generating revenue from taxes and other sources, and expending funds through the national budget. The national budget allocation for 2011 in the Philippines totaled 1.645 trillion pesos, with the largest portions going to education, public works, and national defense. Government efforts to improve revenue include tax reforms and tighter spending controls under the 2011 budget.
The document discusses government budgeting and expenditures in India. It defines key terms like revenue expenditure, capital expenditure, budget deficit, fiscal deficit, and primary deficit. Revenue expenditure does not create assets while capital expenditure does. The budget can be balanced, in deficit, or in surplus. Deficit occurs when expenditures exceed receipts. Fiscal deficit considers total expenditures and receipts excluding borrowings, while primary deficit is fiscal deficit less interest payments. Numerical examples are provided to demonstrate calculating different deficit types from budgets data.
The Finance Minister announced a 4.8% revenue deficit and 6.8% fiscal deficit in the Union Budget this week. A revenue deficit occurs when a government's revenue expenses exceed its revenue receipts, while a fiscal deficit is the difference between total government expenses and total receipts. Although deficits are generally undesirable, the current budget aims to stimulate demand and create assets through spending in order to dig India out of an economic slowdown and return to 9% growth.
This chapter discusses deficit spending and the public debt. It begins with an introduction stating that in recent years, federal government expenditures have exceeded receipts, requiring borrowing of over $1 trillion per year. The chapter will contemplate the implications of this federal borrowing. It then lists learning objectives, including explaining how deficits occur and evaluating when public debt could burden future generations. The chapter outline and a discussion of rising deficits and debts in the US follow.
This document provides an overview of public budgets. It begins by defining what a budget is, including that it is a formal estimate of required resources for a given time period. It then discusses different definitions of budgets provided by various scholars. The document outlines the key components of a budget as public expenditures and public revenues. It also discusses different types of budgets, including operating and development budgets. The document further examines classifications of public expenditures by categories, sectors, general objects, and programs/activities. Finally, it introduces the concept of the canon of public expenditures as rules or principles that governments must follow when incurring expenditures.
The document discusses key aspects of government budgets in India including:
- Budget receipts include estimated money receipts from various sources like taxes, fees, and borrowings. Expenditures include outlays for various programs and public services.
- The budget can be balanced, in surplus, or in deficit depending on whether receipts equal, exceed, or are less than expenditures. Deficit budgets aim to boost aggregate demand during economic downturns while surplus budgets help control inflation.
- Key parts of the budget include the revenue budget focused on public welfare and capital budget influencing growth through investment. Objectives range from GDP growth to regional development.
The document discusses three ways a government can reallocate resources: 1) Through taxation policy, the government imposes high taxes on the rich and low taxes on the poor to reduce inequality of income and wealth. 2) To achieve economic stability, the government prevents inflation and depression by running surpluses during inflationary periods and deficits during depressive periods. 3) When managing public expenditure, the government establishes public sector undertakings and provides necessary services, so the budget accounts for funding these programs and arrangements.
Public finance refers to the revenue and spending of governments to achieve national objectives through a cycle of formulating fiscal policy, generating revenue from taxes and other sources, and expending funds through the national budget. The national budget allocation for 2011 in the Philippines totaled 1.645 trillion pesos, with the largest portions going to education, public works, and national defense. Government efforts to improve revenue include tax reforms and tighter spending controls under the 2011 budget.
The document discusses government budgeting and expenditures in India. It defines key terms like revenue expenditure, capital expenditure, budget deficit, fiscal deficit, and primary deficit. Revenue expenditure does not create assets while capital expenditure does. The budget can be balanced, in deficit, or in surplus. Deficit occurs when expenditures exceed receipts. Fiscal deficit considers total expenditures and receipts excluding borrowings, while primary deficit is fiscal deficit less interest payments. Numerical examples are provided to demonstrate calculating different deficit types from budgets data.
The Finance Minister announced a 4.8% revenue deficit and 6.8% fiscal deficit in the Union Budget this week. A revenue deficit occurs when a government's revenue expenses exceed its revenue receipts, while a fiscal deficit is the difference between total government expenses and total receipts. Although deficits are generally undesirable, the current budget aims to stimulate demand and create assets through spending in order to dig India out of an economic slowdown and return to 9% growth.
This chapter discusses deficit spending and the public debt. It begins with an introduction stating that in recent years, federal government expenditures have exceeded receipts, requiring borrowing of over $1 trillion per year. The chapter will contemplate the implications of this federal borrowing. It then lists learning objectives, including explaining how deficits occur and evaluating when public debt could burden future generations. The chapter outline and a discussion of rising deficits and debts in the US follow.
This document provides an overview of public budgets. It begins by defining what a budget is, including that it is a formal estimate of required resources for a given time period. It then discusses different definitions of budgets provided by various scholars. The document outlines the key components of a budget as public expenditures and public revenues. It also discusses different types of budgets, including operating and development budgets. The document further examines classifications of public expenditures by categories, sectors, general objects, and programs/activities. Finally, it introduces the concept of the canon of public expenditures as rules or principles that governments must follow when incurring expenditures.
The document discusses key aspects of government budgets in India including:
- Budget receipts include estimated money receipts from various sources like taxes, fees, and borrowings. Expenditures include outlays for various programs and public services.
- The budget can be balanced, in surplus, or in deficit depending on whether receipts equal, exceed, or are less than expenditures. Deficit budgets aim to boost aggregate demand during economic downturns while surplus budgets help control inflation.
- Key parts of the budget include the revenue budget focused on public welfare and capital budget influencing growth through investment. Objectives range from GDP growth to regional development.
Mayor Mim McConnell presented the FY14 operating budget to the Greater Sitka Chamber of Commerce. The budget is balanced through cost cutting measures despite increasing expenses and flat revenues. While some services may be reduced, no major services will be eliminated. Infrastructure funding has been cut, which is unsustainable. Future budgets face challenges from rising costs, uncertain funding, and aging infrastructure. The Mayor outlined both short-term projects and long-term planning needed to sustain the city for the future.
The document discusses public budgeting. It defines what a budget is, including that a budget is a plan for how tax revenues will be spent annually. It describes the Budget and Accounting Act of 1921, which created the Bureau of the Budget (now OMB) and GAO. OMB assists the president in budget preparation and analyzes funding requests. The budget cycle and types of budgets like capital, operating, line-item and performance budgets are covered. The document also discusses budget surpluses, deficits, and discretionary vs entitlement spending.
Public finance deals with government revenue sources like taxes and expenditures on areas like infrastructure, education, and health. It aims to stabilize the economy, promote growth, and provide essential public goods. Government budgets classify spending into areas and sources of revenue like taxes. A budget deficit occurs when spending exceeds taxes, while a surplus exists when taxes are higher than spending. Deficit financing allows governments to fund spending by borrowing or money creation, but too much can crowd out private investment and cause inflation. Fiscal policy uses taxes and spending to influence employment, growth, and prices.
The document discusses government budgets. It explains that a budget is an annual financial statement that contains estimated receipts and expenditures for the coming fiscal year. The key points are:
- Budgets are prepared by governments at all levels and include estimated expenditures and receipts to achieve government objectives.
- The main components of a budget are the revenue budget and capital budget. Revenue budget covers revenue receipts and expenditures, while capital budget covers capital receipts and expenditures.
- Budgets can be balanced, in surplus, or in deficit depending on whether total estimated receipts equal, exceed, or are less than total estimated expenditures. Deficit budgets require the government to borrow funds.
The document discusses the life cycle of financial planning. It begins by defining financial planning and goals. It notes that while many people follow similar financial patterns over their lifetime, every individual has their own financial plan. It then outlines the typical stages of a financial life cycle: basic wealth protection when young, wealth accumulation during working years, and wealth distribution in retirement. Various factors like life events, lifestyle conditions, and personal choices can influence a person's financial plan. The document concludes by examining traditional financial planning needs for different age groups.
The document discusses public spending and its socio-economic impacts based on a case study of diminishing marginal returns to state spending. It provides background on public spending levels historically for developed countries, rising from 8% of GDP in 1870 to over 40% currently. Developing countries initially saw increasing returns to public spending but recent studies show diminishing and sometimes negative returns. Diminishing returns refer to decreasing GDP growth rates as public spending increases beyond an optimal level, as seen in developed countries from the 1970s-2000s. Negative returns are indicated by rising unemployment despite higher education spending, as in the U.S., Canada, France and U.K. following the 2008 recession.
Current Public Finance Scenario & Fiscal FederalismDr. Heera Lal IAS
- The document discusses India's federal public finance system and recent reforms.
- It notes that states' revenue raising capacity is less than their expenditure responsibilities, resulting in an increasing gap that is filled by central government transfers.
- Key reforms discussed include the 14th Finance Commission increasing states' share of taxes, rationalizing centrally sponsored schemes, replacing the Planning Commission with NITI Aayog, and moving to an output and outcome-based expenditure framework.
- Additional pressures on states' finances are expected from debt assumption programs like UDAY as well as pay increases and farm loan waivers.
The document discusses key components and classifications of government budgets including:
- Revenue and capital budget components
- Classification of receipts as capital or revenue and of expenditures as capital or revenue
- Meanings of balanced, surplus, and deficit budgets and definitions of revenue, fiscal, and primary deficits
- Key budget receipts come from taxes (direct and indirect) and non-tax sources, while expenditures are categorized as revenue or capital
The government budget document outlines the financial accounts for the previous fiscal year and estimates for the coming year. The budget has two main components: receipts, which include revenue from taxes, both direct and indirect, and capital receipts; and expenditures, which are divided into planned and unplanned spending. Direct taxes are levied on individuals, companies, firms, and other groups, while factors like economic growth, government revenue, private savings, and restrained consumer demand all impact the budget.
This document provides information about Bilal Qasim Mohammed including his education credentials and work experience. It lists his degrees which include a BSc in Economics, an MSc in Economics with a focus on monetary policy, and professional certificates in public debt management and project management. It also outlines the various jobs he has held over the years including working with NGOs, a university, UNICEF, and currently with the Central Bank of Iraq. The rest of the document appears to cover topics related to fiscal policy, public debt, and debt management.
Public finance is the study of how governments collect tax revenue from citizens and businesses and how they spend these funds. Governments collect taxes and use the funds to provide public goods and services, manage income distribution, and conduct other operations. Government expenditures are financed through tax revenues and borrowing, with taxes including income taxes, sales taxes, corporate taxes, and duties. The goal of public finance is to manage resources efficiently and effectively to benefit citizens.
This document provides an overview of government budgets and their key components. It discusses:
1) The objectives of government budgets including GDP growth, income redistribution, and economic stability.
2) The structure of government budgets, which includes revenue receipts, capital receipts, revenue expenditure, and capital expenditure.
3) The main components of revenue receipts such as tax receipts from income tax and GST, and non-tax receipts from fees and public enterprises. Capital receipts include loan recoveries and borrowings.
4) The differences between revenue and capital expenditures and receipts in terms of their impact on government assets and liabilities.
5) Key budget deficits including revenue deficit
1. A government budget is an annual statement of estimated receipts and expenditures for a fiscal year, which runs from April 1 to March 31.
2. The budget aims to allocate resources properly, reduce inequality, and achieve economic stability and growth through taxation and expenditure policies.
3. Components of the budget include revenue and capital receipts and expenditures. Receipts are classified as tax or non-tax revenue, and capital or current. Expenditures are classified as plan or non-plan, developmental or non-developmental, revenue or capital.
Deficit financing is when a government finances its budgetary deficit through borrowing or increasing the money supply. In India it refers to expenditures exceeding current revenues, with public borrowing to cover the difference. The main types of deficits are the budget, revenue, fiscal, and primary deficits. Fiscal deficits in India have increased substantially over time, from 23 billion rupees in 1974-75 to over 5 trillion rupees in 2012-13. Deficit financing can be used to remedy economic issues but comes with adverse effects like inflation, reduced savings and investment, and higher production costs.
The document defines key terms related to government budgets including:
- Components are revenue and capital budgets, with receipts classified as tax, non-tax, capital or revenue, and expenditures classified as capital or revenue.
- Objectives include reducing inequality, achieving stability, and economic growth.
- Deficit, revenue, fiscal and primary deficits are defined relating to differences between expenditures and receipts.
The document outlines key aspects of government budgets in India. It provides estimates of planned receipts and expenditures for the coming fiscal year. The budget is presented annually in Parliament and must be approved before implementation. It aims to allocate resources according to priorities like agriculture, education, and infrastructure, while also pursuing fiscal consolidation and tax reforms.
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This document promotes a website that sells various shoes and accessories at low prices with free shipping and payment by credit card. The website nikeairmaxmall.com offers air max 90, air max 2009, Nike Dunk SB shoes, Air Jordan shoes, and other items at cheap prices.
While most Internet financial reports have dealt with specific world regions or sectors, Internet DealBook takes a global perspective for an increasingly global world. Its Annual Global M&A and Investment Activity Review has been compiled from a detailed analysis of over 2,400 deals worth over USD104bn during 2011, identifying businesses that have been acquired or received funding, by geography and sector.
La programacion por_competencias_basicas.pdfCeip Andalucía
Este documento presenta las competencias básicas que se desarrollarán en el curso escolar. Describe las 8 competencias básicas, incluyendo definiciones de cada una y sus componentes (contenidos, habilidades, actitudes y estrategias de aprendizaje). También explica cómo se diseñará el proceso de enseñanza en dos fases, con una programación general anual y unidades didácticas mensuales, y ofrece un esquema para la programación general anual.
El documento describe los 6 pasos para subir un archivo a una página de Blogger: 1) crear el archivo, 2) abrir Internet Explorer, 3) ingresar la dirección de la cuenta de Blogger, 4) subir el archivo seleccionándolo de la carpeta de almacenamiento, 5) asignar un nombre a la publicación, y 6) agregar el archivo para publicarlo en la página de Blogger.
Maxthon es un navegador web para Windows que se originó en el 2000 cuando un programador chino mejoró el Internet Explorer 5. Maxthon incluye características como navegación por pestañas, bloqueador de anuncios, búsqueda programable con varios motores, y sincronización entre dispositivos a través de Maxthon Passport. Aunque inicialmente solo existía para Windows, la reciente compra de Maxthon por Google podría dar lugar a versiones para otros sistemas operativos.
This document provides an overview of the features and functionality of the X-POS point of sale system including browsing and creating orders, payment options, reporting, and offline functionality. It also outlines how to configure the related Magento backend for X-POS including setting up payment methods, user permissions, cashiers, categories, websites, pricing, and taxes.
Mayor Mim McConnell presented the FY14 operating budget to the Greater Sitka Chamber of Commerce. The budget is balanced through cost cutting measures despite increasing expenses and flat revenues. While some services may be reduced, no major services will be eliminated. Infrastructure funding has been cut, which is unsustainable. Future budgets face challenges from rising costs, uncertain funding, and aging infrastructure. The Mayor outlined both short-term projects and long-term planning needed to sustain the city for the future.
The document discusses public budgeting. It defines what a budget is, including that a budget is a plan for how tax revenues will be spent annually. It describes the Budget and Accounting Act of 1921, which created the Bureau of the Budget (now OMB) and GAO. OMB assists the president in budget preparation and analyzes funding requests. The budget cycle and types of budgets like capital, operating, line-item and performance budgets are covered. The document also discusses budget surpluses, deficits, and discretionary vs entitlement spending.
Public finance deals with government revenue sources like taxes and expenditures on areas like infrastructure, education, and health. It aims to stabilize the economy, promote growth, and provide essential public goods. Government budgets classify spending into areas and sources of revenue like taxes. A budget deficit occurs when spending exceeds taxes, while a surplus exists when taxes are higher than spending. Deficit financing allows governments to fund spending by borrowing or money creation, but too much can crowd out private investment and cause inflation. Fiscal policy uses taxes and spending to influence employment, growth, and prices.
The document discusses government budgets. It explains that a budget is an annual financial statement that contains estimated receipts and expenditures for the coming fiscal year. The key points are:
- Budgets are prepared by governments at all levels and include estimated expenditures and receipts to achieve government objectives.
- The main components of a budget are the revenue budget and capital budget. Revenue budget covers revenue receipts and expenditures, while capital budget covers capital receipts and expenditures.
- Budgets can be balanced, in surplus, or in deficit depending on whether total estimated receipts equal, exceed, or are less than total estimated expenditures. Deficit budgets require the government to borrow funds.
The document discusses the life cycle of financial planning. It begins by defining financial planning and goals. It notes that while many people follow similar financial patterns over their lifetime, every individual has their own financial plan. It then outlines the typical stages of a financial life cycle: basic wealth protection when young, wealth accumulation during working years, and wealth distribution in retirement. Various factors like life events, lifestyle conditions, and personal choices can influence a person's financial plan. The document concludes by examining traditional financial planning needs for different age groups.
The document discusses public spending and its socio-economic impacts based on a case study of diminishing marginal returns to state spending. It provides background on public spending levels historically for developed countries, rising from 8% of GDP in 1870 to over 40% currently. Developing countries initially saw increasing returns to public spending but recent studies show diminishing and sometimes negative returns. Diminishing returns refer to decreasing GDP growth rates as public spending increases beyond an optimal level, as seen in developed countries from the 1970s-2000s. Negative returns are indicated by rising unemployment despite higher education spending, as in the U.S., Canada, France and U.K. following the 2008 recession.
Current Public Finance Scenario & Fiscal FederalismDr. Heera Lal IAS
- The document discusses India's federal public finance system and recent reforms.
- It notes that states' revenue raising capacity is less than their expenditure responsibilities, resulting in an increasing gap that is filled by central government transfers.
- Key reforms discussed include the 14th Finance Commission increasing states' share of taxes, rationalizing centrally sponsored schemes, replacing the Planning Commission with NITI Aayog, and moving to an output and outcome-based expenditure framework.
- Additional pressures on states' finances are expected from debt assumption programs like UDAY as well as pay increases and farm loan waivers.
The document discusses key components and classifications of government budgets including:
- Revenue and capital budget components
- Classification of receipts as capital or revenue and of expenditures as capital or revenue
- Meanings of balanced, surplus, and deficit budgets and definitions of revenue, fiscal, and primary deficits
- Key budget receipts come from taxes (direct and indirect) and non-tax sources, while expenditures are categorized as revenue or capital
The government budget document outlines the financial accounts for the previous fiscal year and estimates for the coming year. The budget has two main components: receipts, which include revenue from taxes, both direct and indirect, and capital receipts; and expenditures, which are divided into planned and unplanned spending. Direct taxes are levied on individuals, companies, firms, and other groups, while factors like economic growth, government revenue, private savings, and restrained consumer demand all impact the budget.
This document provides information about Bilal Qasim Mohammed including his education credentials and work experience. It lists his degrees which include a BSc in Economics, an MSc in Economics with a focus on monetary policy, and professional certificates in public debt management and project management. It also outlines the various jobs he has held over the years including working with NGOs, a university, UNICEF, and currently with the Central Bank of Iraq. The rest of the document appears to cover topics related to fiscal policy, public debt, and debt management.
Public finance is the study of how governments collect tax revenue from citizens and businesses and how they spend these funds. Governments collect taxes and use the funds to provide public goods and services, manage income distribution, and conduct other operations. Government expenditures are financed through tax revenues and borrowing, with taxes including income taxes, sales taxes, corporate taxes, and duties. The goal of public finance is to manage resources efficiently and effectively to benefit citizens.
This document provides an overview of government budgets and their key components. It discusses:
1) The objectives of government budgets including GDP growth, income redistribution, and economic stability.
2) The structure of government budgets, which includes revenue receipts, capital receipts, revenue expenditure, and capital expenditure.
3) The main components of revenue receipts such as tax receipts from income tax and GST, and non-tax receipts from fees and public enterprises. Capital receipts include loan recoveries and borrowings.
4) The differences between revenue and capital expenditures and receipts in terms of their impact on government assets and liabilities.
5) Key budget deficits including revenue deficit
1. A government budget is an annual statement of estimated receipts and expenditures for a fiscal year, which runs from April 1 to March 31.
2. The budget aims to allocate resources properly, reduce inequality, and achieve economic stability and growth through taxation and expenditure policies.
3. Components of the budget include revenue and capital receipts and expenditures. Receipts are classified as tax or non-tax revenue, and capital or current. Expenditures are classified as plan or non-plan, developmental or non-developmental, revenue or capital.
Deficit financing is when a government finances its budgetary deficit through borrowing or increasing the money supply. In India it refers to expenditures exceeding current revenues, with public borrowing to cover the difference. The main types of deficits are the budget, revenue, fiscal, and primary deficits. Fiscal deficits in India have increased substantially over time, from 23 billion rupees in 1974-75 to over 5 trillion rupees in 2012-13. Deficit financing can be used to remedy economic issues but comes with adverse effects like inflation, reduced savings and investment, and higher production costs.
The document defines key terms related to government budgets including:
- Components are revenue and capital budgets, with receipts classified as tax, non-tax, capital or revenue, and expenditures classified as capital or revenue.
- Objectives include reducing inequality, achieving stability, and economic growth.
- Deficit, revenue, fiscal and primary deficits are defined relating to differences between expenditures and receipts.
The document outlines key aspects of government budgets in India. It provides estimates of planned receipts and expenditures for the coming fiscal year. The budget is presented annually in Parliament and must be approved before implementation. It aims to allocate resources according to priorities like agriculture, education, and infrastructure, while also pursuing fiscal consolidation and tax reforms.
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This document promotes a website that sells various shoes and accessories at low prices with free shipping and payment by credit card. The website nikeairmaxmall.com offers air max 90, air max 2009, Nike Dunk SB shoes, Air Jordan shoes, and other items at cheap prices.
While most Internet financial reports have dealt with specific world regions or sectors, Internet DealBook takes a global perspective for an increasingly global world. Its Annual Global M&A and Investment Activity Review has been compiled from a detailed analysis of over 2,400 deals worth over USD104bn during 2011, identifying businesses that have been acquired or received funding, by geography and sector.
La programacion por_competencias_basicas.pdfCeip Andalucía
Este documento presenta las competencias básicas que se desarrollarán en el curso escolar. Describe las 8 competencias básicas, incluyendo definiciones de cada una y sus componentes (contenidos, habilidades, actitudes y estrategias de aprendizaje). También explica cómo se diseñará el proceso de enseñanza en dos fases, con una programación general anual y unidades didácticas mensuales, y ofrece un esquema para la programación general anual.
El documento describe los 6 pasos para subir un archivo a una página de Blogger: 1) crear el archivo, 2) abrir Internet Explorer, 3) ingresar la dirección de la cuenta de Blogger, 4) subir el archivo seleccionándolo de la carpeta de almacenamiento, 5) asignar un nombre a la publicación, y 6) agregar el archivo para publicarlo en la página de Blogger.
Maxthon es un navegador web para Windows que se originó en el 2000 cuando un programador chino mejoró el Internet Explorer 5. Maxthon incluye características como navegación por pestañas, bloqueador de anuncios, búsqueda programable con varios motores, y sincronización entre dispositivos a través de Maxthon Passport. Aunque inicialmente solo existía para Windows, la reciente compra de Maxthon por Google podría dar lugar a versiones para otros sistemas operativos.
This document provides an overview of the features and functionality of the X-POS point of sale system including browsing and creating orders, payment options, reporting, and offline functionality. It also outlines how to configure the related Magento backend for X-POS including setting up payment methods, user permissions, cashiers, categories, websites, pricing, and taxes.
Este documento describe los maltratos que sufren los toros en las corridas de toros, incluyendo cómo se les debilita antes de entrar a la plaza, cómo son apuñalados repetidamente por el picador y banderilleros, y cómo finalmente son rematados y arrastrados después de una muerte lenta y dolorosa. El autor argumenta que las corridas de toros son una tradición cruel que denigra a la humanidad y pide a los lectores no asistir ni apoyar este espectáculo.
Founded in 2004, NetBrain is the first software provider to apply the concept of CAD to network management. Our innovative solutions simplify and reduce the efforts associated with designing, documenting, and troubleshooting complex networks by employing a tool everyone knows how to use – a map.
Šta nas je motivisalo
Porastom broja korisnika Interneta i korišćenja savremenih uređaja za komunikaciju otvaraju se nove mogućnosti za dijalog sa državnim organima i njihovim službama.
Tromost državnih institucija prilagođavanju savremenim trendovima komunikacije sa jedne strane i željom građana za bržom i funkcionalnijom komunikacijom sa istim službama, stvoren je ambijent za nastanak jednog jednostavnog ali veoma korisnog veb baziranog servisa kao posrednika između ove dve navedene grupe.
Tempo života nametnuo nam je potrebu da u svakom trenutku tokom celog dana (24/7/365) budemo u mogućnosti da održavamo komunikaciju sa svim strukturama društva. Kako bi se ta mogućnost ispratila od strane javih institucija neophodno je da se njihova komunikacioja sa građanima što više uprosti i zbog toga bi bilo poželjno da se jedan deo te komunikacije centralizuje i uniformiše. Time svaki građanin ma gde se nalazio u Republici Srbiji može da ostvari komunikaciju sa određenom institucijom koja je nadležna za rešavanje njegovog problema.
ŠTA SMO NAPRAVILI
Iz tog razloga smo osmislili i izradili ovaj centralizovani servis koji sa jednog mesta omogućava svim građanima Srbije da na jednostavan način proslede uočene probleme nadležnim službama u svom mestu ili mestu kojem se trenutno nalaze. Isti servis se na jednostavan način može ugraditi u postojeće veb sajtove lokalnih samouprava i sajtove nadležnih službi čime službe poboljšavaju funkcionalnost svojih veb sajtova i uspostavljaju bolju komunikaciju sa postojećim korisnicima svojih sistema.
Građani koji prijavljuju uočene probleme mogu putem sajta da prate koje mere su nadležne službe preduzele po pitanju navedenog problema i da li je navedeni problem rešen.
Na ovaj način se postiže brza i efikasna komunikacija građana sa nadležnim službama što povećava kvalitet života celokupne društvene zajednice.
Osnovne prednosti web komunikacije
Pre nego što vam predstavim način funkcionisanja aplikacije, hteo bih samo da se osvrnem na to kako se danas odvija komunikacija izmedju institucija i građana. Kada kažem državne institucije, prvenstveno mislim na lokalne samouprave i njihove službe koje direktno dolaze u kontakt sa građanima odnosno bave se problemima koji utiču na poboljšanje kvaliteta života. Te institucije, nove medije koriste na staromodne načine, plasirajući svoja saopštenja isto kao što su to do sada činili putem tradicionalnih medija, ne uzimajući u ubzir da je Internet dvosmeran medij što pre svega podrazumeva dijalog.
Sa druge strane, građanin koji ima potrebu da stupi u kontakt sa odredjenim službama kako bi izneo svoj problem, primoran je da se hvata u koštac sa birokratijom što zna da bude veoma zahtevno i veoma često odustaje od svoje namere u samom startu.
Iako je lični kontakt odnosno direktan razgovor i dalje veoma bitan faktor u komunikaciji prednosti web komunikacije su veoma očigledne. Informacije su lako dostupne i detaljne u svakom trenutku sa bilo kog mesta.
The document presents an integral framework called the Cubrix for organizational development and performance improvement. It discusses thriving organizations and introduces several concepts including Spiral Dynamics, AQAL, and the Global Excellence Model. The Cubrix framework integrates these concepts to help with sustainability, change management, and project management efforts. It aims to help organizations and individuals develop and perform at their best.
This document provides information about the Foundation in Natural and Built Environments module offered at Taylor's University. The 5-credit module aims to expose students to natural and built environments through lectures, tutorials, site visits and self-directed study. Students will learn to recognize different elements of natural and built environments, describe their characteristics, differentiate developments, and analyze and evaluate their relationships. Assessment includes class participation, assignments, and a final presentation. The module uses student-centered learning to facilitate an active and responsible learning process.
El documento describe un sistema CRM y ERP para PYMEs que ofrece funcionalidades como administración centralizada de clientes, proveedores, competidores y proyectos; agenda compartida; correo electrónico integrado; generación de cotizaciones y pedidos; facturación; servicio técnico; análisis de datos; y administración del sistema a través de una interfaz de usuario. El sistema se basa en una arquitectura cliente-servidor con base de datos relacional y acceso a través de Internet.
SEOGuardian - Certificados Energéticos en España - Informe SEO y SEMBint
Informe de analítica SEO y SEM realizado por SEOGuardian acerca del sector de Certificados Energéticos en el mercado español. Contiene información acerca del posicionamiento web de dominios como lentillasadomicilio.com, lentesdecontacto365.es, lesenbase.es, lentes-shop.es, lentillasbaratas.es, etc.
Para cada uno de ellos se analiza brevemente su entorno de competidores y su posicionamiento SEO y SEM.
Sally Gainsbury and Keith Whyte. The Next Horizon: Social Casino Games and Re...Horizons RG
Sally Gainsbury and Keith Whyte. The Next Horizon: Social Casino Games and Responsible Gaming
Session 8A
Presented at the New Horizons in Responsible Gambling Conference in Vancouver, January 27-29, 2014
El documento describe las partes principales de un monitor y los pasos para limpiar el interior de una computadora. Explica que para limpiar el interior del monitor y la computadora se debe desconectar los cables, desarmar los tornillos y retirar cuidadosamente el polvo de las piezas internas como el cañón electrónico, las bobinas de deflexión, la rejilla de control y el circuito integrado SYSCON. También menciona que luego de la limpieza el equipo quedará libre de polvo.
El documento define una variable aleatoria como una variable cuyos valores provienen de un experimento aleatorio. Explica que las variables aleatorias pueden ser discretas o continuas dependiendo de si su rango de valores es finito o infinito. También describe que la distribución de probabilidad de una variable aleatoria resume la probabilidad de que tome diferentes valores y se usa para caracterizar la posición y dispersión de la variable a través de parámetros como la esperanza y varianza.
Chapter two final bank and custom clearance operation hand outAsnake Gulelat
This document discusses letters of credit (L/Cs), which are payment mechanisms used in international trade that involve banks. It covers:
- The key parties in an L/C transaction are the buyer (applicant), seller (beneficiary), issuing bank, and advising/confirming bank. Each party has specific responsibilities.
- An L/C is a payment undertaking from an issuing bank to a beneficiary, on behalf of an applicant/buyer, to pay a specified amount if the beneficiary presents complying documents by a deadline.
- L/Cs have characteristics like negotiability, meaning the issuing bank is obligated to pay not just the beneficiary but banks nominated by them. They
Este documento presenta información sobre un proyecto educativo sobre el mar realizado en una escuela infantil. El proyecto incluyó varias actividades como contar cuentos relacionados con el tema, observar peces reales traídos por los padres, experimentar con burbujas y colores en el agua, y simular ser buzos con botellas de plástico. El proyecto buscó desarrollar objetivos relacionados con el autoconocimiento, la coordinación motriz y habilidades manuales de los niños. La escuela fue decorada con tem
This senior capstone is a hypothetical proposal, written from the viewpoint of an NGO, for creating communal programs aimed at creating and promoting long-term transformation in attitudes, interactions and policies, specifically as they relate to Syrian refugees.
Implementing a National Strategy for Financial EducationPanayiotis Andreou
The document discusses the need for a National Strategy for Financial Education in Cyprus. It notes that the pandemic has increased financial uncertainty and vulnerability at both the macro and personal levels. Evidence shows that financial education can help build financial resilience by empowering people to make informed financial decisions and reduce the negative externalities of financial illiteracy. Several grassroots financial education initiatives already exist in Cyprus, but a unified National Strategy is needed to coordinate these efforts and tackle financial illiteracy in a comprehensive way. The strategy should involve developing content, increasing capacity, utilizing community-led and media communication models, and collaborating with stakeholders, drawing from examples like the US and India's national strategies.
TOOL FOR IMPLEMENTING HAITI’S STRATEGIC DEVELOPMENT PLAN: 2014-2016 THREE-YEA...Stanleylucas
PARDH served as a guide for government authorities and international partners, so that a series of urgent measures and key projects could be carried out to put Haiti on the path of change, to ensure that it will be an emerging country by 2030. At the same time, the national authorities developed a Strategic Development Plan for Haiti, to provide further details on the PARDH guidelines and include all public policies in a consistent global package, as a single programming approach.
The Haiti Strategic Development Plan presents the new framework for the planning, programming, and management of Haitian development, the vision and the strategic guidelines for the country’s development, the four major work areas to be implemented to ensure the recovery and development of Haiti, the programs and subprograms to be implemented under each of them, and the major features of the implementation strategy. These choices are designed to make Haiti an emerging country by 2030, and testify to the clear intention of the authorities to seek a balanced, sustainable development that will guarantee and maximize the impact of the programmed activities. This approach will apply to the next three years covered by this document, which presents the three-year development program and the three-year investment program, the first tools for implementing the PSDH.
The first part of this document contains the three-year development framework. This framework is aimed specifically at accelerated, balanced economic growth and the sustainable reduction of poverty. It shows the road map the government will follow during the period to remain on target. It is also the vehicle to be used by the government to implement its activities, which have clearly formulated results indicators.
The second part of the document presents the 2014-2016 Three-Year Investment Program. More specifically, it lists the projects to be implemented. The projects chosen are a continuation of the following: recent action undertaken to begin the reform and reconstruction of Haiti; action carried out earlier under the National Growth and Poverty Reduction Strategy Paper (DSNCRP) to reduce poverty and social
Sustainable development goals sdg billionto_trillion_financeWorld Bank Group
The document discusses mobilizing financing to achieve the Sustainable Development Goals (SDGs) from 2015-2030. It notes that the SDGs ambitiously bring together economic, social, and environmental priorities and will require equal ambition in mobilizing both "billions" in official development assistance and other resources as well as "trillions" in public and private investments. Achieving the SDGs will necessitate maximizing the impact of every funding dollar and increasing available resources, including through private sector finance and investment. Multilateral development banks and other institutions will play an important role in supporting countries' efforts to generate the necessary financing through measures like catalyzing public and private investments.
The document discusses sustainable development goals (SDGs) that were adopted in 2015 to guide global development priorities through 2030. It aims to bring together economic, social and environmental objectives in an ambitious but integrated manner. Achieving the SDGs will require leveraging billions of dollars in development financing into trillions across many sectors, including public and private investments both domestically and internationally. Multilateral development banks (MDBs) and the IMF aim to support this transition by providing over $400 billion in financing from 2016-2018 to catalyze even greater funding from other sources for sustainable development.
The document discusses the challenges Ethiopian microfinance institutions face in mobilizing local savings. It finds that while MFIs have expanded branches, commercial banks still dominate deposits. Product development is often top-down without customer research, and marketing focuses on borrowers rather than potential net savers. Field research identified opportunities to design demand-based products and strengthen customer consultation, but most MFIs lack detailed marketing plans and materials to confidently promote savings. Addressing these challenges could help MFIs better mobilize the savings needed to fund local lending and achieve development goals.
Yohannes, an Ethiopian farmer, obtained a small loan that allowed him to double his crop harvest. The extra income enabled him to send his children to school, invest further in his farm, and save for the future. His story demonstrates how access to financial services can empower individuals and communities through opportunities for equitable growth. The UNSGSA advocates for universal access to financial services by 2030 to further development goals like reducing poverty and hunger and empowering women. Public-private partnerships and new technologies are making universal inclusion an achievable goal.
Unsgsa annual report september 2014 financial inclusion a path to empowerment...Dr Lendy Spires
The document provides an overview of progress on financial inclusion globally and in various countries over the past year. Some key points include:
- Financial inclusion has moved into the crucial implementation phase in many countries, though progress must still be accelerated to achieve development goals.
- Around 50 countries have made high-level commitments to advance financial inclusion through national strategies and targets. Tanzania has already surpassed its target of 50% access by 2016, reaching 57%.
- Innovations like mobile money, agent banking, and digital payments are expanding access, particularly in remote areas. The number of active mobile money accounts grew to over 60 million globally.
- Countries are also working to improve financial education and consumer protection as
This document discusses the challenges young people face in accessing financial services globally, particularly in developing countries. It notes that less than 5% of youth have savings accounts due to barriers like lack of youth-friendly regulations and products. The UN is working to promote youth financial inclusion through programs that provide financial literacy training and help open over 110,000 savings accounts. Moving forward, a multi-stakeholder approach is needed involving governments, organizations and youth themselves to develop inclusive policies and appropriate services to overcome barriers facing young people.
Young people in developing countries face significant challenges transitioning to adulthood due to high unemployment, HIV/AIDS orphaning many youth, and lack of opportunities. This is exacerbated by the unprecedented population growth over the next 20 years in these regions. Providing youth access to financial services and financial literacy training can help them build assets, start businesses, and escape poverty by making their own economic decisions. However, less than 5% of youth currently have savings accounts due to barriers like lack of youth-friendly financial products and low financial capability. The UN is working to increase financial inclusion of youth through programs and partnerships focused on developing tailored financial services, integrating financial education into curricula, and advocating for youth-inclusive policies and regulatory
This document discusses the challenges young people face in accessing financial services globally, especially in developing countries. It notes that less than 5% of youth have savings accounts due to barriers like lack of youth-friendly regulations and products. The UN is working to promote youth financial inclusion through programs that provide financial literacy training and help open over 110,000 savings accounts. Moving forward, a multi-stakeholder approach is needed involving governments, organizations and youth themselves to develop inclusive policies and appropriate services to overcome barriers facing young people.
To improve the living condition of population in Central African Republic (CAR) specially for vulnerable groups, as a partner, we have created a project called: The Development of Infrastructures for Community and Support for Vulnerable groups in Republic of Central African.
I apologize, but I do not actually have any direct quotes or interviews with Bill Gates to reference. As an AI assistant created by Anthropic to be helpful, harmless, and honest, I do not have personal experiences to draw from.
This document estimates the investments needed to achieve zero hunger by 2030. It finds that an average annual investment of $267 billion is required, with $181 billion going to rural areas. This includes $116 billion for social protection programs to immediately assist extremely poor people, and $151 billion for pro-poor investments in agriculture and rural development to stimulate long-term income growth for the poor. Social protection would initially help the poor meet basic food needs, while targeted investments would accelerate rural economic growth and employment to gradually reduce poverty and hunger over time as poor people's incomes rise. A combination of social protection and pro-poor investments is needed to both immediately help the extreme poor while also fostering sustainable escapes from poverty.
Rolly Panganiban discusses how Pag-inupdanay, Inc. evolved to become an independent orgnaisation focused on local economic development. (Jan 30, PACAP Community Development Forum - Microfinance Amidst the Global Financial Crisis)
This project is part of an edX course: Unlocking investment and finance in Emerging Markets and Developing economies. I opted to 'create' my own country St Paul and devise a finance Strategy for the next 5 years in order to meet our development goals as an employee of the ministry of finance. To do this the following must be highlighted: the estimated financing needs of my country, sources of finance available, how to access these sources and how to work with Multilateral Developments Banks to do so.
Financial sustainability of public benefits organizationsTimothy2015
This presentation seeks to help program leaders and managers prioritize financial sustainability and also provides ideas on how to achieve financial sustainability of Public Benefit organizations
Diaspora bond unlocking diaspora savings opportunities for investments in cam...Emmanuel Lao
This digital artifact highlights the importance of mobilizing the diaspora savings through "diaspora bonds" to finance development projects in a developing country like Cameroon with a growing and dynamic diaspora around the world.
This document discusses the rapid growth of large-scale social assistance programs providing transfers to households in poverty in developing countries. It notes that while research on poverty and program evaluations have increased, there are still significant knowledge gaps around conceptual frameworks, institutional capacity, and comparative data. The document examines several databases tracking social assistance programs, but notes challenges in coverage, harmonization, and the need for distribution-based indicators to assess adequacy, effectiveness, and institutionalization of emerging welfare systems in developing countries.
Similar to Guia de planificacion financiera familiar (ingles) (20)
This document provides an overview of wound healing, its functions, stages, mechanisms, factors affecting it, and complications.
A wound is a break in the integrity of the skin or tissues, which may be associated with disruption of the structure and function.
Healing is the body’s response to injury in an attempt to restore normal structure and functions.
Healing can occur in two ways: Regeneration and Repair
There are 4 phases of wound healing: hemostasis, inflammation, proliferation, and remodeling. This document also describes the mechanism of wound healing. Factors that affect healing include infection, uncontrolled diabetes, poor nutrition, age, anemia, the presence of foreign bodies, etc.
Complications of wound healing like infection, hyperpigmentation of scar, contractures, and keloid formation.
How to Add Chatter in the odoo 17 ERP ModuleCeline George
In Odoo, the chatter is like a chat tool that helps you work together on records. You can leave notes and track things, making it easier to talk with your team and partners. Inside chatter, all communication history, activity, and changes will be displayed.
Strategies for Effective Upskilling is a presentation by Chinwendu Peace in a Your Skill Boost Masterclass organisation by the Excellence Foundation for South Sudan on 08th and 09th June 2024 from 1 PM to 3 PM on each day.
How to Fix the Import Error in the Odoo 17Celine George
An import error occurs when a program fails to import a module or library, disrupting its execution. In languages like Python, this issue arises when the specified module cannot be found or accessed, hindering the program's functionality. Resolving import errors is crucial for maintaining smooth software operation and uninterrupted development processes.
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How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
Walmart Business+ and Spark Good for Nonprofits.pdfTechSoup
"Learn about all the ways Walmart supports nonprofit organizations.
You will hear from Liz Willett, the Head of Nonprofits, and hear about what Walmart is doing to help nonprofits, including Walmart Business and Spark Good. Walmart Business+ is a new offer for nonprofits that offers discounts and also streamlines nonprofits order and expense tracking, saving time and money.
The webinar may also give some examples on how nonprofits can best leverage Walmart Business+.
The event will cover the following::
Walmart Business + (https://business.walmart.com/plus) is a new shopping experience for nonprofits, schools, and local business customers that connects an exclusive online shopping experience to stores. Benefits include free delivery and shipping, a 'Spend Analytics” feature, special discounts, deals and tax-exempt shopping.
Special TechSoup offer for a free 180 days membership, and up to $150 in discounts on eligible orders.
Spark Good (walmart.com/sparkgood) is a charitable platform that enables nonprofits to receive donations directly from customers and associates.
Answers about how you can do more with Walmart!"
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
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Find out more about ISO training and certification services
Training: ISO/IEC 27001 Information Security Management System - EN | PECB
ISO/IEC 42001 Artificial Intelligence Management System - EN | PECB
General Data Protection Regulation (GDPR) - Training Courses - EN | PECB
Webinars: https://pecb.com/webinars
Article: https://pecb.com/article
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For more information about PECB:
Website: https://pecb.com/
LinkedIn: https://www.linkedin.com/company/pecb/
Facebook: https://www.facebook.com/PECBInternational/
Slideshare: http://www.slideshare.net/PECBCERTIFICATION
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
Leveraging Generative AI to Drive Nonprofit InnovationTechSoup
In this webinar, participants learned how to utilize Generative AI to streamline operations and elevate member engagement. Amazon Web Service experts provided a customer specific use cases and dived into low/no-code tools that are quick and easy to deploy through Amazon Web Service (AWS.)
3. The world over, millions of individuals travel abroad to secure better
jobs with an aim to improve the quality of life for the families they
leave behind. These migrant workers often remit a substantial portion
of their earnings to their families for their educational, health, personal
and other financial needs. These remittances possess a significant
development potential in countries of origin, including the Philippines,
as they contribute to a significant part of the country’s economic growth.
In recent years the volume of annual remittances flows to the Philippines
equate to 8% to 10% of GDP.
However, as remittances are private funds, their use, and their ultimate
impact on social and economic development at the individual and
national levels is at the discretion of the remitters and their households.
While many migrants have developed skills to manage their finance to
maximize profit for thier families, many others are in great need of
assistance in this area.
To address this need, the International Organization for Migration
(IOM), with the support of the European Commission (EC), is focused
on supporting migrant workers in the area of improving financial
literacy. The aim of the IOM initiative is to assist migrants in
managing their finances for the best benefit of their families and home
countries. To achieve this, the IOM together with the Government of
the Philippines and other partners developed financial planning and
information tools targeting migrants and their families. This financial
planner is developed as part of this effort and is disseminated through
the organization of financial literacy workshops and other training
activities.
Foreword
4. Contents
Introduction ................................................................................3
Budgeting Sheet for OFW & Family ..........................................4
Monthly Budget Model
Yearly Budget Model
Budgeting Sheet for Seafarer & Family .......................................6
Monthly Budget Model
Yearly Budget Model
The Dream Map ........................................................................8
Saving for Investment ..................................................................9
Saving for Retirement ...............................................................10
Table of Values .......................................................................11
Future Value - Inflation Rate
Factor Value: How Much to Save Every Year
Expenditure Monitor................................................................13
Monthly for 12 months
Quarterly for 4 quarters
Yearly
Family Balance Sheet ................................................................19
Property Acquisition Plan ........................................................20
Social Insurance and Pre-Need Plans ........................................21
Savings and Investment Portfolio ...............................................22
“Handa Ka bang Magnegosyo” .................................................23
5. Introduction
The International Organization for Migration and ATIKHA, in
partnership with the Philippines Department of Labor and Employment’s
(DOLE) Overseas Workers Welfare Administration (OWWA),
National Reintegration Center for Overseas Filipino Workers (NRCO),
and the Bangko Sentral ng Pilipinas, developed this financial planner
as a tool to assist migrant workers in managing their budget and
remittances within a framework of wise-spending, savings and investment.
This tool has been a product of consultation and research that identified
value system and socio-cultural challenges that influence the spending,
saving and investment habits of migrants and their families. The financial
planner aims to aid migrant workers in translating their dreams to actions
and making them come true.
This planner features a number of tools discussed in the Training Manual
on financial literacy developed by ATIKHA in partnership with the
Philippine government. They include tools that guide the budgeting process,
planning for retirement and savings and entrepreneurial undertaking. It
also features complementary and alternative instruments developed by the
IOM intended to help monitor cash flows, property acquisition, investment
portfolios, and overall financial standing.
Its features include monthly and yearly budget sheets which will help monitor
the day to day expenses. Also included are monthly cash flow statements
which should help migrants monitor “money-in and money-out”. But
perhaps of greatest interest in the planner is the Dream Map; this tool
helps visualize and plan how one’s dreams can be translated to financial
objectives.
It is the hope of all involved that the use of this planner will help
develop sound financial planning habits among OFWs and their families
and help them reach their personal goals in a manner that better harness
the overall development potential of remittances.
6. FINANCIAL PLANNER
Budgeting Sheet for OFW & Family*
In most Filipino households there is the penchant to pay-off debts, expenditures as cash comes along without prior budgeting.
It is also said migrants have become a major player in the growth of consumption spending; while not negative, indiscriminate
spending can lead to important dreams or goals deferred. This tool introduces its users to an organized approach in monitoring
their income flows as well as their maturing obligations and financial necessities.
1. Determine the income you receive monthly as salary, then determine the amount of income the family
receives. If the family does not receive a remittance on a monthly basis, then compute how much
remittance they get on a monthly basis as converted into pesos. ALL AMOUNTS ARE IN PESOS
2. Notice that columns are labeled accordingly. You are guided to perform simple arithmetic in reference
to the items in each column.
3. There are 2 budget sheets; 1 (landbased) and 2 (seafarer), both sheets can be used for families with
mixed situations.
4. Remember the lecture on the budget sheets at the training.
5. Fill in the right boxes with right amounts. Remember to read, read, and read before writing things down!
6. Use your handy calculator to compute for the values.
7. Plan your expenses with this data, and don’t forget to look back at your budget!
INSTRUCTIONS
Monthly Salary of OFW
[A]
Monthly Income of Family in the
Philippines (Pesos) [B]
MonthlyRemittancefromOFW
Philippine Peso [C]
TOTALMonthly Income
[D=C+B]
Monthly Expenses of OFW (Philippine Peso) Monthly Expenses of Family (Pesos)
Item Amount Item
Payment for life insurance, pension and
other insurance, SSS, Pag-ibig [G.1]
Amount
Payment for life insurance, pension and
other insurance,SSS, Pag-ibig [E.1]
Payment for other investment [G.2] Payment for other investment [E.2]
Food Food
Clothing Clothing
House Rent Utilities(Water,Electricity,Phone,etc.)
Transportation Rent (House/Apartment)
Communication Education
Leisure Transportation
Others Leisure
Others(DebtPayments,Installments,etc.)
Total Monthly Expenses of OFW [G] Total Monthly Expenses of the Family [E]
Monthly Savings of the OFW [H=A-C-G] Monthly Savings of the Family [F=D-E]
Total Monthly Savings of the OFW and the Family [I=H+F]
Annual Saving [J=Ix12 months]
Monthly
Introduction to Budget Sheets
ANNUAL SAVINGS AND INVESTMENT [K = (E.1+E.2+H.1+H.2) X 12 months +J ]
* Developed by ATIKHA
4
7. FINANCIAL PLANNER
YEARLY Salary of OFW
[A]
YEARLY Income of Family in the
Philippines (Pesos) [B]
YEARLYRemittancefromOFW
Philippine Peso [C]
TOTALYearly Income
[D=C+B]
Yearly Expenses of OFW (Philippine Peso) Yearly Expenses of Family (Pesos)
Item Amount Item
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [G.1]
Amount
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [E.1]
TOTALPayment
for other investment [G.2]
TOTALPayment for other
investment [E.2]
TOTAL FoodTOTAL Food
TOTAL Clothing TOTAL Clothing
TOTALTransportation
TOTALCommunication
TOTALOthers (Debt Payments,
Installments,etc.)
Total Yearly Expenses
of OFW [G]
ANNUAL SAVINGS AND INVESTMENT [J = E.1+E.2+H.1+H.2 +G ]
Year One
TOTAL House Rent
TOTALUtilities(Water,Electricity,
Phone, etc.)
TOTAL Rent
(House/Apartment)
TOTALEducation
TOTAL Leisure TOTALTransportation
TOTALOthers TOTAL Leisure
Total Yearly Expenses
of the Family [E]
Yearly Savings of the OFW
[H=A-C-G]
Yearly Savings of the Family
[F=D-E]
Total Annual Savings of the OFW and the Family [I=H+F]
Budgeting Sheet for OFW & Family
5
8. FINANCIAL PLANNER
Monthly Salary of Seafarer
(Dollars) [A]
Monthly Income of Family in the
Philippines (Pesos) [B]
Monthly Allotment from the
Seafarer Philippine Peso [C]
TOTALMonthly Income
[D=C+B]
Monthly Expenses of the Seafarer (Philippine Peso) Monthly Expenses of Family (Pesos)
Item Amount Item
Payment for life insurance,
pension and other insurance,
SSS, Pag-ibig [H.1]
Amount
Payment for life insurance,
pension and other insurance,
SSS, Pag-ibig [E.1]
Payment for other investment
[H.2]
Payment for other investment
[E.2]
FoodFood
Clothing Clothing
Transportation
Communication
Others (Debt Payments,
Installments, etc.)
Vacation Buffer Fund
(2x Total Monthly Expenses
of the Family [K=2xE+M]
Monthly
House Rent
Utilities(Water,Electricity,
Phone, etc.)
Rent (House/Apartment)
Education
Leisure Transportation
Others Leisure
Total Monthly Expenses
of the Seafarer [H]
Total Monthly Savings of the
Seafarer and the Family
[G=I+F]
10-Months Savings of the
Seafarer and the Family
[J=Gx10]
NET ANNUAL SAVINGS [L=J-K]
Budgeting Sheet for Seafarer & Family*
Total Monthly Expenses
of the Family [E]
Monthly Savings of the Seafarer
[I=A-C-H]
Monthly Savings
of the Family [F=D-E]
QUESTION: Given your net
annual savings (L), how much
will you set aside for your own
Seafarer’s Upgrading
Education Fund? =M
ANNUAL SAVINGS AND INVESTMENT [N = (E.1+E.2+H.1+H.2) X 12 months +L ]
* Developed by ATIKHA
6
9. FINANCIAL PLANNER
YEARLY Salary of Seafarer
(Dollars) [A]
YEARLY Income of Family in the
Philippines (Pesos) [B]
YEARLY Allotment from the
Seafarer Philippine Peso [C]
TOTALYearly Income
[D=C+B]
YEARLY Expenses of the Seafarer (Philippine Peso) YEARLY Expenses of Family (Pesos)
Item Amount Item
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [H.1]
Amount
TOTALPayment for life
insurance, pension and other
insurance, SSS, Pag-ibig [E.1]
TOTALPayment for other
investment [H.2]
TOTALPayment for other
investment [E.2]
TOTAL FoodTOTAL Food
TOTALClothing TOTALClothing
TOTALTransportation
TOTALCommunication
TOTALOthers (Debt Payments,
Installments,etc.)
Year One
TOTALHouse Rent
TOTALUtilities(Water,
Electricity, Phone, etc.)
TOTAL Rent
(House/Apartment)
TOTALEducation
TOTAL Leisure TOTALTransportation
TOTALOthers TOTAL Leisure
TotalYEARLYExpenses
of the Seafarer [H]
Total YEARLY Savings of the
Seafarer and the Family
[G=I+F]
Vacation Buffer Fund
(2x Total Monthly Expenses
of the Family [J=2xE+L]
NET ANNUAL SAVINGS [K=G-J]
Budgeting Sheet for Seafarer & Family
TotalYEARLYExpenses
of the Family [E]
YEARLYSavings of the
Seafarer [I=A-C-H]
YEARLY Savings
of the Family [F=D-E]
QUESTION: Given your net
annual savings (K), how much
will you set aside for your own
Seafarer’s Upgrading
Education Fund? =L
TOTAL ANNUAL SAVINGS AND INVESTMENT [M = E.1+E.2+H.1+H.2 +K]
7
10. FINANCIAL PLANNER
Year 10
Year 8
Year 5
Year 3
Year 1
Financial Goals
Below you will see the Dream Map. Like a road map, it will help you visualize your dreams and allow you to translate them into
measurable financial objectives. So start drawing and reach for those dreams!
1. Make a drawing/diagram of how you see yourself (and your loved ones) 5 years from now
(use the diagram below as a template).
2. Be as creative or as simple as you want
3. Put a price on each item in your individual drawings.
4. You have just set your Life Goals into financial objectives.
Family Goals
Name: _________________________
Signature:______________________
Date: __________________________
INSTRUCTIONS
Introduction to the Dream Map
The Dream Map*
* Developed by ATIKHA
8
11. FINANCIAL PLANNER
Planning to settle down somewhere? Or maybe you are aiming to invest in a new business? Then it’s best to plan out that
future with the Savings for Investment and Retirement Sheet. The two sheets will help you plan out how much how much you
will eventually earn and you need to save . So plan away!
1. Read the inputs in the boxes carefully and understand the example before writing anything!
2. Input the necessary amounts and figures; when told to, refer to the table of future values
or table of how much to save.
3. Follow the instructions carefully.
4. After all the computations, you should arrive at how much you need to save to invest or to retire!
INSTRUCTIONS
Introduction to Savings for Investment and Retirement
Saving for Investment*
SAMPLE
COMPUTATION
Total Amount of Investment Required
(Capital Required for Business, House and Lot
and other Planned Investment)
PHP 1,000,000.00
Number of Years to Save
EARNING RATE OF INVESTMENTS
(Depending on the Earning Rate of your Investments)
FACTOR TO BE USED TO DIVIDE
(Refer to TABLE 2: How Much to Save Every Year;
Earning Rate and Number of Years to Build
your Savings for Investment)
REQUIRED YEARLY SAVINGS
(Total Amount of Investment Required
divided by Factor Derived from TABLE 2)
Divided by 12
REQUIRED MONTHLY SAVINGS
(Required yearly savings divided by 12)
5 years
7%
5.7507
PHP 173,891.87
÷ 12
PHP 14,490.99
* Developed by ATIKHA
9
12. FINANCIAL PLANNER
Your Age now
Number of Year to Build Retirement
(Retirement age less your age now)
INFLATION RATE ESTIMATE
Gross Monthly Income Designed During Retirement
Subtract Current and Future Income
Derived from Existing Investments
Total Amount Needed During Retirement
Multiplied
Factor to be Used
(Refer to Table 1: Future Values; 5%
and Number of Years to Build Retirement)
Monthly Salary Upon Retirement
Multiplied by number or months in one year
Yearly Salary Upon Retirement
Divide
EARNING RATE DURING RETIREMENT
(Depending on the Earning Rate of your Investment)
TARGET EARNING ASSET
(1 year salary upon retirement
divided by earning rate during retirement)
FACTOR TO BE USED TO DIVIDE
(Refer to TABLE 2: How Much to Save Every Year;
earning rate and number of years to build retirement)
REQUIRED YEARLY SAVINGS
(Target earning asset divided by Factor
Derived from Table 2)
Divided by
REQUIRED MONTHLY SAVINGS
(Required yearly savings divided by 12)
40
20
5%
PHP 25,000.00
PHP 5,000.00
PHP 20,000.00
x
2.6533
PHP 53,066.00
x 12
PHP 636,792.00
÷
12%
PHP 5,306,600.00
72.052
PHP 73,649.59
÷ 12
PHP 6,137.47
Saving for Retirement*
SAMPLE
COMPUTATION
*Developed by the Colayco Foundation
10
15. FINANCIAL PLANNER
Introduction to the Cash Flow Monitor (CFM).
After having learned the basics of budgeting, setting targets
and goals, we now introduce the Monthly Cash Flow Monitor.
It is divided into 4 pages beginning with the first quarter all the
way to the Yearly Total page. This tool aims to help you
monitor the monthly money-in and money-out from you and
your family to help you stick to your planned budget.
1. Read and understand these instructions.
2. The first column is the PARTICULARS
column. Take note of the details listed here,
they will tell you which amounts to write.
3. Columns labeled 1-12 (on each page) are the
month columns. Write the TOTAL AMOUNT
of money-in or money-out for each
PARTICULAR on the corresponding month.
4. For monthly columns, the End-of-Month
balance will be the beginning balance of the
succeeding month. For the Quarterly columns,
the End-of-Quarter balance is the beginning
balance of the next quarter.
5. In the columns labeled Q1, Q2, Q3, Q4, one
each page, add the monthly amounts (i.e.
month 1 + month 2 + month 3) and write the
sum in the last column (i.e. Q1 column).
6. Remember to review your MONTHLYTOTALS
and see if your budgeting is working!
7. On the last page (Yearly Total) write the
QUARTERLY TOTALS in the columns labeled
Q1–Q4.
8. Add the Q1-Q4 totals and write the sum in the
column labeledANNUALTOTALand now you
know your yearly money-in and money-out!
INSTRUCTIONS
Cash Flow Monitor*
(CFM)Income sources are
normally the cash in-flow items but
let us put attention to the cash out-
flow items enumerated in column one
of this ledger. This ledger tries to help
you establish the net cash that you
shall ultimately make available for
regular expenditures after your
allotment for savings and investment
items.
Notice that you are presented with a
general menu of savings and
investment options in the first half of
the ledger. You may have full or partial
exposure to these particulars. Over a
period of time your portfolio or your
allotment portfolio may vary
according to the market options you
avail of and the amount of risk you
take and in the second half of the
ledger you shall deal with classified
expenditure items. The proportion of
the expense item will depend on
lifestyle, living arrangements, and
other factors. In any case this cash
flow monitor provides its users a
facility to determine how much net
cash-on-hand must be kept with an
assured amount of savings and
investment for each period.
* Developed by the International Organization for Migration (IOM)
13
21. FINANCIAL PLANNER
The following is the Family Balance
Sheet. It is meant to be a representation
of your family’s total assets, liabilities
and capital at a specific time (normally
at the end of the year). Accomplishing
the Balance Sheet should tell you the
current worth of your assets as well as
help you keep track of your spending
and outstanding liabilities (debts). The
guiding equation in the preparation to the
Balance sheet is; ASSETS =
LIABILITIES + CAPITAL
1. Enter the corresponding
amounts in the right boxes. Make
sure to take note of entries in the
box before inputting amounts. You
can find out the amounts by looking
at your bank passbook, receipts,
bank statements, insurance
payments and other similar
statements.
2. For the amount in your fixed
assets (personal and business) the
original acquisition cost must be
monitored in consideration of their
value appreciation or depreciation.
Periodic depreciation is spread
over estimated service life. Note
depreciable (a) and appreciable
(b) items.
3. Add the amounts you have
listed down; this is your TOTAL
ASSETS
4. Repeat step 1 to list down the
amounts for liabilities, do the same
for capital.
5. Add the sum of the liabilities to
the sum of your capital, this is your
TOTAL LIABILITES and CAPITAL.
6. If you did this right, TOTAL
ASSETS should BE EQUAL to the
TOTAL LIABILITIES and CAPITAL.
7. If you have more liabilities/
capital then you must be deficit
spending; you have too many debts
more than the money you have. a: Determine net of depreciation
b: Items which must be monitored of their market value
As of particular date__________________
Family Balance Sheet*Introduction to the
Family Balance Sheet
INSTRUCTIONS
CURRENT ASSETS
Cash on Hand
Cash in Bank
Peso Savings Account
Foreign Exchange Savings Account
Peso Time Deposit
Foreign Exchange Time Deposit
Others
FIXED ASSETS
PERSONAL
(b) Residential House & Lot
(b) Condominium Unit
(b) Lot
(b) House in Progress
(b) Memorial Lot
(a) Furniture & Fixtures
(a) Household Appliances
(b) Jewelry, Collectibles & Antiquities
BUSINESS USE
(a) Family Store/Business Place
(b) Farm Lot
(a) Farm Tools & Equipment
(a) Business Technology & Equipment
(a) Business Furniture and Fixtures
(a) Business/Office Appliances
TOTAL ASSETS
LIABILITIES AND CAPITAL
LIABILITIES
House & Lot Amortization
Lot Amortization
Insurance Premium Payable
Credit Card Payable
Car Loan Amortization
Health Insurance Premium
Utilities Expense
TAX Liabilities
Other Liabilities
CAPITAL
Interest Income from Savings/Time Deposit
Stocks and Securities
Bonds
Earnings from Business
Other Capital
TOTAL LIABILITIES AND CAPITAL
* Developed by the International Organization for Migration (IOM)
19
22. FINANCIAL PLANNER
Property Acquisition Plan*
ITEM
Lot
HouseConstruction
House&Lot
CondoUnit
BusinessUnit
FarmLot
MemorialLot(s)
Vehicle-HouseholdUse
Vehicle-BusinessUse
FarmTools/Equipment
ProductionTools/Eqpt.
OtherBusinessTech.
HouseholdTechnology
Art&Antiquities
Jewelry
HouseholdAppliance
HouseholdFurniture
YEAR
ACQUIRED
ESTIMATED
PURCHASECOSTYEARLYCREDITAMORTIZATION
123456789101112
Introduction to PROPERTY ACQUISITION
In line with one’s dream map, it is important to monitor the extent by which the OFW or Overseas Filipino have channeled their
remittances to property investments. Wealth is largely measured in terms of property values and net worth.
1. Recall the necessary references and information to fill out the ledgers. This means keeping track of
those acquisition contracts, deed of sale, certificates of ownership, transfer certificate of title (TCT’s),
warranty records, mortgages, official receipts, etc.
2. Diligently fill-up the right boxes with the right amounts and information. Don’t forget to read carefully
before filling up!
INSTRUCTIONS
* Developed by the International Organization for Migration (IOM)
20
23. FINANCIAL PLANNER
Social Insurance and Pre-Need Plans*
Education
- Child 1
- Child 2
- Child 3
- Child 4
Health Card
- Myself
- Spouse
- Child 1
- Child 2
- Child 3
- Child 4
Other Dependents
Pension
Life Insurance
Memorial Plan
Others
Item Company Mature Value Cost of Purchase Amort Yrs Regular Amort
* Developed by the International Organization for Migration (IOM)
Introduction to PRE-NEED plans (purpose-specific life insurance products)
Securing the future through social security investments or pre-need plans with State run or private run institutions has become
an important option in planning your financial portfolio. Pre-need plans and trust-funds with specific objectives help secure
contingencies as well as major outlays in some anticipated future time.
1. Recall the necessary references and information to fill out the ledgers. This means keeping track of
those official receipts, contract of coverage, certificate of full payment, insurance policy, life plan, memorial
plan, etc.
2. Diligently fill-up the right boxes with the right amounts and information. Don’t forget to read carefully
before filling up!
INSTRUCTIONS
21
24. FINANCIAL PLANNER
Introduction to Savings and Investment
Having a hard time keeping track of those investments, the new house, insurance and all those other monthly bills? Then
stress no more and keep them under control with the long-term investments ledgers. The following sheets should help you
keep track of those losses and benefits from your assets and investments.
1. Recall the necessary information to fill out the ledgers. This means keeping track of those bank statements, time
deposit slips, bonds or stock certificates, certificate of money market placements, etc
2. Diligently fill-up the right boxes with the right amounts and information. Don’t forget to read carefully before filling up!
3. It is important to monitor this ledger regularly to see if you have put all your eggs in one basket or have acquired
a balanced investment portfolio to even out risk and optimize profits.
Investment Mode
Time Deposit
Treasury Bond
Other Bond Instruments
Other Bank Instruments
Money Market Placements
Stocks
- Company 1
- Company 2
Cooperative
Micro-enterprise
Small-Medium Enterprise
Social Enterprise
Franchise
Others
Company
INSTRUCTIONS
Savings & Investment Portfolio*
Year Acquired Face Value Market Value ROI
* Developed by the International Organization for Migration (IOM)
22
25. FINANCIAL PLANNER
Unang Paksa
1. A. Mayroon akong trabaho ngayon.
B. Wala akong trabaho ngayon.
2. A. Hindi maganda ang aking naging trabaho
bago ko naisipang magsimula ng isang
negosyo.
B. Maganda ang takbo ng aking trabaho
bago ko naisipang magnegosyo.
3. A. Nagtatrabaho ako upang kumita ng pera.
Wala akong interes o kaligayahan sa
kasalukuyang trabaho.
B. Mayroon akong natutunan sa bawat trabahong
pinasukan. Interesado ako sa aking trabaho sa
kasalukuyan.
4. A. Gusto kong magnegosyo para mabigyan ng
magandang buhay ang aking pamilya.
B. Gusto kong magnegosyo para maging
matagumpay. Ang mga mayaman ay nag aari
ng sariling negosyo.
5. A. Kailangan natin ng maraming pabor
mula sa ibang tao para magtagumpay
sa ating mga gawain.
B. Naniniwala ako na ang tagumpay o pagbagsak
ng isang negosyo ay dahil sa sarili kong
pagpapatakbo at kakayahan.
Ikalawang Paksa
1. A. Ayoko ng risgo o “risk” kahit na malaki ang
posibleng ganansya.
B. Kumbinsido ako na upang umunlad sa buhay,
dapat akong humarap ng risgo o “risk”.
2. A. Naniniwala akong may mga oportunidad
sa kabila ng mga risgo o “risk”.
Handa ka na bang Mag-negosyo?*
Bago magnegosyo, kailangang makita natin kung may sapat na kakayahan tayo para umpisahan at patakbuhin ito. Ang mga
sagot natin sa sumusunod na tanong ang tutulong sa atin na masukat ang ating kakayahan. Kailangang sagutin natin ng tapat
ang mga ito. Pagkatapos ay bibilanging natin ang ating “score” para malaman natin kung saang aspeto pa tayo kailangan
magpakahusay bago tayo mag-negosyo.
Ang bawat paksa ay may limang pares na pangungusap. Bilugan ang letra ng pangungusap na pinakabagay
sa iyo. Maging tapat sa pagsagot nito. Ang ehersisyong ito ang magsasabi kung ikaw ay may kakayahan,
karanasan, suporta at karakter na kailangan sa pagpatakbo ng negosyo.
ALAMIN ANG ATING KAKAYAHAN
B. Kung ako ay may pagpipilian, mas nais ko ang
siguradong pamamaraan.
3. A. Kung gusto ko ang isang ideya, susubukan ko ito
nang hindi na iniisip kung may bentahe o may panganib.
B. Susubukan ko ang isang ideya kung napagisipan
ko na ang mga bentahe at panganib.
4. A. Tatanggapin ko na maaring akong malugi at
mawala ang perang inilagay ko sa negosyo.
B. Mahirap para sa aking tanggapin na maaring akong
malugi at mawala ang perang inilagay ko sa negosyo.
5. A. Gusto kong kontrolado ko ang lahat ng gawain
o bagay.
B. Tanggap ko na hindi ko kayang kontrolin
ang bawat bagay. Pero dapat may sapat akong
kakayahan para makontrol ang ilan.
Ika-3 Paksa
1. A. Hindi ako madaling sumuko
sa harap ng matinding pagsubok.
B. Kung mahirap matamo ang isang bagay,
hindi na ito dapat ipaglaban.
2. A. Apektado ako ng matinding kabiguan.
B. Hindi ako naapektuhan ng kabiguan
sa matagal na panahon.
3. A. Naniniwala ako na kaya kong panghawakan
ang mga pangyayari.
B. May hangganan ang kakayanan ng tao. Malaki ang
papel ng kapalaran at swerte sa ating buhay.
4. A. Kapag ako ay tinanggihan ng isang tao,
nalulungkot ako at kinakalimutan na lang ito.
B. Kapag ako ay tinanggihan ng isang tao,
tinatanggap ko ito ng maluwag at ginagawa ang
lahat para magbago ang kaniyang pag iisip
* Developed by the International Labour Organization
23
26. FINANCIAL PLANNER
5. A. Kalmado ako sa isang krisis para mapagisipan
` ang tamang solusyon.
B. Nalilito ako at kinakabahan pagdating ng isang krisis.
Ika-4 na Paksa
1. A. Hindi ko isasama ang aking pamilya sa pagdesisyon
sa negosyo para hindi sila maapektuhan nito.
B. Isasama ko ang aking pamilya sa lahat ng
importantengdesisyon sa negosyo.
2. A. Maiintindihan ako ng aking pamilya kung mababawasan
ang panahon ko para sa kanila dahil sa negosyo.
B. Sasama ang loob ng aking pamilya kung mababawasan
ang panahon ko para sa kanila dahil sa negosyo.
3. A. Kung hindi masyadong matagumpay ang negosyo,
magagalit ang aking pamilya dahil sa nilang harapin.
B. Kung hindi masyadong matagumpay ang negosyo,
haharapin ng aking pamilya ang mga kahirapang
maaring mangyari.
4. A. Ang aking pamilya ay tutulong sa panahong nahihirapan
ang negosyo.
B. Maaring hindi tumulong ang aking pamilya sa panahong
nahihirapan ng negosyo.
5. A. Mag aalala ang kapamilya kung ako ay mag sisimula
ng isang negosyo.
B. Sumasang ayon ang pamilya ko sa pagsisimula ko
ng isang negosyo.
Ika-5 Paksa
1. A. Nahihirapan ako sa pagharap sa isang problema.
Nag-aalala ako at ayaw ko itong pagsisipan.
B. Hindi ako takot humarap sa problema. Pinagiisipan ko
ito at binibigyan ng solusyon.
2. A. Kung ako ay nasa mahirap na sitwasyon,
hinaharap ko ito ng buong lakas. Ang kahirapan
ay isa lamang pagsubok sa aking kakayahan at
maligaya ko itong hinaharap.
B. Kung ako ay nasa mahirap na sitwasyon, kinakalimutan
ko na lamang ito at hinahayaang lumipas.
3. A. Sasabay na lamang ako sa agos at
maghihintay ng magandang pangyayari.
B. Hindi ako maghihintay ng magandang
pangyayari. Ako ang gagawa nito.
4. A. Lagi akong naghahanap ng kakaibang gagawin,
B. Gusto ko lang gawin ang mga bagay kung
saan ako magaling.
5. A. Makakatulong sa akin ang lahat ng ideya.
Sinusubukan ko ang mga ito para
malaman kung alin ang mabisa.
B. Ang mga tao ay may kanya-kanyang ideya
pero hindi ko maaring subukan lahat.
Mas gusto kong subukan at gawin ang
sariling kong ideya.
Ika-6 na Paksa
1. A. Kukunin ko para sa aking pamilya ang
halagang kaya lang ibigay ng negosyo.
B. Kukunin ko mula sa negosyo ang lahat na
kailangan ng aking pamilya.
2. A. Kung may kaibigan o kapamilya na
nangangailangan ng pera, tutulungan ko sila
kahit mahirapan ang negosyo.
B. Kung may kaibigan o kapamilya na
nangangailangan ng pera, kukuha ako mula
sa personal kong kinita. Hindi ako dapat
kumuha sa perang kailangan ng negosyo.
3. A. Hindi ko dapat pabayaan ang negosyo
alang-alang sa pamilya o mga kaibigan.
B. Ang aking pamilya at mga kaibigan ay
mataas ang proridad. Nauuna sila
sa negosyo.
4. A. Kaiba sa ordinaryong customer, ang kapamilya
at kaibigan ay makakakuha ng espesyal na
serbisyo o benepisyo mula sa negosyo.
B. Tulad ng ibang customer, dapat lang bayaran
ng kapamilya at kaibigan ang mga produkto,
serbisyo at kagamitan ng negosyo.
5. A. Hindi ko pauutangin mula sa negosyo ang
sinuman dahil lamang sila ay kapamilya o
kaibigan.
B. Palagi kong pauutangin ang kapamilya
at kaibigan.
Ika-7 Paksa
1. A. Madali akong nakakapagdesisyon.
Natutuwa akong mabigyan ng pagkakataong
makapagdesisiyon.
B. Nahihirapan akong gumawa ng isang desisyon.
2. A. Nakakagawa ako ng mahirap na desisyon
nang di kumukunsulta ang iba.
B. Humihingi ako ng payo sa iba’t ibang tao
kung mayroong mahirap na dedesisyunan.
24
27. FINANCIAL PLANNER
3. A. Pinapagpaliban kong gumawa ng isang
mahirap na desisyon.
B. Madali akong nakakapagdesisiyon
kung kinakailangan.
4. A. Pinagiisipan kong mabuti at tinitingnan
ang lahat na alternatibo bago mag desisyon.
B. Ang aking desisyon ay base sa aking
nararamdaman at intuisyon. Nalalaman
ko agad kung ano ang desisyon.
5. A. Nag-aalala akong madalas na baka ako
magkamali.
B. Hindi ako nag-aalala magkamali dahil sa
ganitong paraan ako matututo.
Ika-8 Paksa
1. A. Gagawin ko lamang ang produkto at
serbisyong gusto ko.
B. Gagawin ko lamang ang produkto at serbisyong
gusto o kailangan ng mga customer.
2. A. Kung gusto ng kustomer ay ang murang
produkto at serbisyo, sisikapin kong maabot
ang kanilang kagustuhan
B. Kung gusto ng customer ay ang murang
produktoat serbisyo, pwede na silang
maghanap sa iba.
3. A. Kung gusto ng customer ang umutang,
pag-aaralan ko kung paano ito gagawin nang
hindi makakasama sa negosyo.
B. Hindi ako magpapautang.
4. A. Kung kinakailang lumipat sa ibang lugar para
umunlad ang negosyo, handa akong gawin ito.
B. Hindi ako handang lumipat sa ibang lugar.
Ang mga customer at supplier ang dapat
pumunta sa akin.
5. A. Pag-aaralan ko ang mga pangangailangan at mga
uso sa merkado. Sisikapin kong baguhin aking
ugali at pagtrabaho para makasabay sa mga ito.
B. Masmagaling kung magtrabaho ako sa paraang
nalalaman ko. Napakahirap sabayan ang mga
pangangailangan at uso sa panahon.
Ika-9 na Paksa
1. A. Gusto kong kalmado at pabandying-bandying.
Hindi ako makapagtrabaho ng maayos kung
may pressure.
B. Mas nais kong magtrabaho ng may pressure.
Natutuwa ako sa mga pag subok.
2. A. Gusto kong magtrabaho ng maraming oras.
Okay lang gamitin ko ang libreng oras ko
sa pagtatrabaho.
B. Sa aking palagay importante ang magkaroon ng
libreng oras malayo sa trabaho. Hindi tayo
kailangang magtrabaho sa lahat ng oras.
3. A. Hindi ko papayagang mabawasan ang oras ko sa
pamilya at kaibigan dahil lamang sa negosyo.
B. Handa akong bawasan ang aking oras sa pamilya
at kaibigan dahil sa negosyo.
4. A. Pwede kong ipagpaliban ang pagpapasarap,
pasyal at hilig kung kinakailangan.
B. Sa aking palagay mas magandang magkaroon ng
maraming oras para sa aking mga hilig at para sa
pag-relax.
5. A. Handa akong magtrabaho ng lubus-lubusan.
B. Handa akong magtrabaho at gawin ang
kinakailangan lamang.
Ika-10 Paksa
1. A. Ayaw ko ng negosasyon. Mas madaling sundin
ko na lang ang gusto ng iba.
B. Gusto kong makipag negosasyon at madalas ko
itong nagagawa nang di nakakasakit ng ibang tao.
2. A. Maayos akong makipag usap sa kapwa tao.
B. Nahihirapan akong makipag usap sa kapwa tao.
3. A. Hindi ako interesado sa opinion at paniniwala ng
ibang tao.
B. Gusto kong makinig sa mga opinion at at
paniniwala ng ibang tao.
4. A. Kung ako ay makikipag negosasyon, masgusto
kong makinig na lang hintayin kung ano
ang mangyayari..
B. Kung ako ay makikipag negosasyon, iniisip ko
kung ano ang pabor sa akin at kung ano ang
pabor sa taong kanegosasyon ko.
5. A. Naniniwala ako na para maging matagumpay
ang negosasyon, kailangang humanap ng paraan
para makuha ng lahat ang kanilang ninanais.
B. Ako ang magnenegosyo kaya ang aking opinion
ang pinaka-importante. Natural lamang na may
matatalo.
25