The document discusses the benefits of implementing comprehensive financial literacy programs as an employee benefit. It argues that financial education for employees is important for three main reasons: 1) It is the right thing for employers to do to help their employees manage their finances. 2) It is ultimately less expensive for employers than providing higher salaries because it allows employees to maximize their existing benefits. 3) Financial stress negatively impacts employee productivity, satisfaction, and retention. The document advocates for holistic financial wellness programs in the workplace rather than generic programs in order to fully address employees' financial needs and challenges.
Financial literacy for OFWs, prepared by the Development Bank of the Philippines. This a good presentation to view and discuss with your domestic helper.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Sun Life pioneers study on financial literacy
The Filipinos are an optimistic race. Amidst the recent stock market dip, there is
widespread confidence about the country’s economic outlook. But are Filipinos prepared
to face fluctuations and seize opportunities? Are they ready for the Brighter Life?
For the past five years, Sun Life has been conducting a nationwide Study of Lifestyles,
Attitudes and Relationships (SOLAR) to gain insights on the public’s attitudes and
behavior toward financial matters. This research has been instrumental in helping Sun Life
pursue its thrust to raise financial literacy among Filipinos.
(C) 2013 Sun Life Financial Philippines
Financial literacy for OFWs, prepared by the Development Bank of the Philippines. This a good presentation to view and discuss with your domestic helper.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Sun Life pioneers study on financial literacy
The Filipinos are an optimistic race. Amidst the recent stock market dip, there is
widespread confidence about the country’s economic outlook. But are Filipinos prepared
to face fluctuations and seize opportunities? Are they ready for the Brighter Life?
For the past five years, Sun Life has been conducting a nationwide Study of Lifestyles,
Attitudes and Relationships (SOLAR) to gain insights on the public’s attitudes and
behavior toward financial matters. This research has been instrumental in helping Sun Life
pursue its thrust to raise financial literacy among Filipinos.
(C) 2013 Sun Life Financial Philippines
Match-Up Power Principles
• Each new associate in the field within 24 to 48 hours with
an experienced trainer
• Helps retain your existing team by allowing them to make
money field training new associates
• Increases activity for the whole organization
• 50% of something is better than 100% of nothing
WFG - Helping People Create Better Financial Futurespetervinhong
This presentation gives an overview of why WFG associates go to work each day: to build and protect wealth for families and individuals. It overviews the six components of WFG\'s financial needs analysis and describes fundamental financial concepts and strategies - such as the rule of 72 - that can help people secure their financial futures.
Personal Financial Money Management in a Nutshell. Condensed from the book: "MONEY: Make, Manage, & Multiply It!" available at http://www.bizcenter.com . If you like the slides, you will love the book! Priced very affordably, it gives you a terrific return on your investment.
It is important that your children learn what they can do with money early in life so they will apply the lessons learned at home as they face the real world in future years.
Edit, Record and Create Beautiful Videos Instantly + Host, Play & Market Your Own or CLIENT Videos For Evergreen Income WITHOUT Any Special Skills, Experience, Or Learning Curve
Match-Up Power Principles
• Each new associate in the field within 24 to 48 hours with
an experienced trainer
• Helps retain your existing team by allowing them to make
money field training new associates
• Increases activity for the whole organization
• 50% of something is better than 100% of nothing
WFG - Helping People Create Better Financial Futurespetervinhong
This presentation gives an overview of why WFG associates go to work each day: to build and protect wealth for families and individuals. It overviews the six components of WFG\'s financial needs analysis and describes fundamental financial concepts and strategies - such as the rule of 72 - that can help people secure their financial futures.
Personal Financial Money Management in a Nutshell. Condensed from the book: "MONEY: Make, Manage, & Multiply It!" available at http://www.bizcenter.com . If you like the slides, you will love the book! Priced very affordably, it gives you a terrific return on your investment.
It is important that your children learn what they can do with money early in life so they will apply the lessons learned at home as they face the real world in future years.
Edit, Record and Create Beautiful Videos Instantly + Host, Play & Market Your Own or CLIENT Videos For Evergreen Income WITHOUT Any Special Skills, Experience, Or Learning Curve
Emerging economic trends are going to make the future very difficult for millenials who hope to buy a house or have savings for retirement. Learn the basics of financial literacy; how to avoid debt, build a nestegg and acquire advice on personal portfolio management.
The beginner's guide to investing intelligently from the start! From the stock market to real estate! Tips, suggestions, strategies, discussions, things to beware of and more!
Never make a bad investment or lose your money again!
The last 6 months has prompted many of us to think more about the future than perhaps we normally would. 2020 has been a year of the "unexpected" and we've still got nearly two months left to go. I've been receiving a lot of questions from many of you in the mining and resources industry regarding financial planning, superannuation, insurance, budgeting etc and being prepared for the unexpected. So, to help with this I've put together a small e-book that provides a checklist of the things you should be thinking about at various stages of your life when it comes to your finances. The book doesn’t contain specific advice as it doesn’t take into account your personal circumstances, what it does contain though is a series of prompts to get you thinking. If you’d like to discuss further, please don’t hesitate to message me on LinkedIn.
PROTECT YOUR FAMILY’S FINANCIAL SECURITY IN TOUGH TIMEScutickfinancial
https://cutickfinancial.com - Financial security is the comfort of knowing your family’s standard of living is secure even when a life-changing event occurs. It is also about having the means to achieve your most important goals, like owning a home or sending your children to college. Many of us are working hard to reach those goals. Some of us may have achieved them. But ongoing economic turmoil has been a rude wake-up call for all of us. We have seen events beyond our control decimate our savings and retirement accounts, knock down the value of our homes and diminish our job security
Here's a copy of the proposed social media policy for members of Presidential Communications and Operations Offices employees, and accredited bloggers.
Feel free to give suggestions, you can course your comments thru Facebook Page @PresidentialCom
Does Ending Endo Contribute to Inclusive Economic GrowthSonnie Santos
by Vicente Paqueo and Aniceto Orbeta Jr.
Fellows, PIDS and FEF
(a copy of this presentation was given to participants of the FEF Paderanga-Varela Memorial Lecture, to share, study and discuss with the objective of generating discussion about the effects of "ending endo" or temporary employment contract, and arrive at a win-win solution to the problem)
copyright belongs to the authors of the study
With Bangsamoro in mind, How PH can Learn from UK and its Handling of IrelandSonnie Santos
This is the presentation of the British Embassy on the Forum on Devolution and Autonomy, to share lessons on their handling of Ireland. This lessons can be applied on how PH can handle the issues involving the Bangsamoro autonomy and the creation of the Bangsamoro Basic Law.
Salient Deletions and Amendments to HB 4994; Substituted by HB 5811Sonnie Santos
this document highlights the deleted unconstitutional provision of HB 4994. HB4994 was now substituted by HB 5881. If enacted, it'll serve as the Bangsamoro Basic Law
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
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Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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Mainstreaming Comprehensive, Integrated Financial Literacy Programs as an Employee Benefit
1. Mainstreaming
Comprehensive, Integrated,
p , g ,
Financial Literacy Programs
as an Emplo ee Benefit
Employee
By Estelle Ople Osorio
Managing Director
Biz Whiz Business Training and Consultancy
@ p
hello@bizwhiz.com.ph
http://www.bizwhiz.com.ph
2.
3. • When we say GO!, go around the room,
introduce yourself, and ask if any of
them fit the descriptions on the card.
Ask them to write
their name under
the description that
they agree with.
4. • You will each receive a bingo card with
descriptive statements.
5. • Each person can only sign your bingo
card ONCE. Bawal umulit!
6. • Sh t BINGO once you have at least
Shout h tl t
one person’s name under each
description.
d i ti
7. B I N G O
I love shopping, I am not able to We have a I have an
I do not have an and I tend to buy save a portion of financial emergency fund
emergency fund. on impulse. my salary education that will last at
regularly. program. least 6 months.
I have some Money causes I do not have a I am debt-free! I have life
credit card debt. me stress. budget.
g insurance.
I do not have a I do not know BONUS I consistently I am invested in
plan for anything about Your name save a portion of stocks.
retirement.
retirement stocks.
stocks my salary.
salary
I have no I like going to the I worry about I have a financial I am invested in
financial plan casino to unwind. providing for my plan to reach my mutual funds or
whatsoever.
h t child’s education.
hild’ d ti goals and d
l d dreams UITFs.
UITF
I help others I owe money to I don’t know what I am saving up for I am saving and
without helping some friends / a mutual fund is. my children’s planning for my
myself. relatives. education. retirement.
10. Financial illiteracy has been
called “the most glossed over
and ignored worker issue
today.
today ”
-- Metlife 8th Annual Study of
Metlife,
Employee Benefit Trends, 2010
11. Reasons to Invest in Financial
Literacy Programs as an
employee benefit
1.
1 It is the right thing to do
do.
2. It is less expensive to educate
workers on how to manage their
money and maximize their employee
benefits than it is to give them higher
salaries.
l i
3. Financial difficulties negatively
impact employee productivity.
productivity
13. • Most Filipinos do not take Retirement Planning seriously.
• Most do not know or understand what their company’s
policy is on retirement benefits.
14. The question isn’t at what age
isn t
I want to retire, it’s at what
income.
~George Foreman
15. “The
“Th worksite i th perfect place to provide
k it is the f t l t id
basic, unbiased financial education and training
for
f employees. When employees learn about
l Wh l l b t
basic saving, debt management and investing
concepts, they can immediately apply these
t th i di t l l th
concepts to their health care, retirement savings,
and personal savings plans.”
d l i l ”
–
The Wellness Councils of America
“Financial Wellness Goes Mainstream”, 2007
16. Reason #2:
It is less expensive to educate
p
workers on how to manage
their money and maximize
employee benefits than it is to
p y
give them higher salaries.
17. “If employees do not have the financial
skills to maximize the benefits being
provided to them, they will: push for
more benefits be less financially
benefits,
secure, and be more likely to be
dissatisfied with their compensation ”
compensation.
--- (Martha Priddy Patterson 1997)
Patterson,
18. It s
It’s not about what you earn
earn.
It’s about how much you can
keep.
19. Earned $40 M in 2009
2009.
Almost filed bankruptcy
that same year.
Still owes the IRS $7 M in taxes!
20. Bought a house in New York, Rhode Island, New
Orleans, Newport Beach, San Francisco, Las
Vegas, Bavaria Germany, England, the Bahamas
and many other places.
21. That includes two
castles: one in
England, and the
other in Germany.
This is a picture of the
Schloss Neidstein castle
which Cage bought in
g g
2007. It has 28 rooms and
395 acres of forest.
22. He purchased 22
automobiles--
including 9 Rolls
Royces and a
$500,000
Lamborghini
Miura SVJ.
That does not yet
include his private
Gulfstream jet ($45M), as
well as 4 yachts.
23. He also had…
• A $1.6 M comic
book collection,
• A dinosaur skull
worth $$276,000,
• A penchant for
$2,000
$2 000 snacks at
k t
caviar hotspot
Petrossian,
Petrossian
• And had given at
least $3M to charity
charity.
24. It s
It’s not about what you earn
earn.
It’s about how much you can
keep.
28. HR Issue Impact to Employer How Financial Wellness
Programs Can Address the
Issue
Turnover and Costs for replacing highly Financial education can improve
Loyalty to trained professionals can employee loyalty by increasing their
Employer
E l exceed a f ll year’s salary.
d full ’ l satisfaction with pay and benefits.
ti f ti ith db fit
61% of employees who are Employees who understand and
very satisfied with their are satisfied with their
benefits also feel a very compensation and benefits are less
strong sense of loyalty to likely to leave the company for a
their employer, according to higher paying job elsewhere.
Metlife’s 10th Annual Study
of Employee Benefits report.
Productivity Employees dealing with Financial wellness programs can
financial stress spend help employees resolve their most
company time dealing with pressing financial issues so they
their financial woes at work -- are no longer operating in a state of
as much as 20 hours per financial emergency and can be
month per employee,
employee more productive at work.
work
according to the Personal
Finance Employee Education
Foundation.
29. Society for Human Resource
Management survey says:
M t
• 49% of HR professionals said employees are
% p p y
stressed by an “overall lack of monetary
funds to cover their personal expenses.”
• 24% said money woes are l di to
id leading
“employee absenteeism and tardiness.”
• 22% of HR professionals attribute worker
money woes to “credit card debt” and the
same number also cited “home mortgage
payments.”
• 12% of HR professionals said “education
expenses
expenses” were causing workers’ financial
workers
stress that was noticeable in the workplace.
30. “Financial literacy training makes employees
and managers more knowledgeable. A spin- spin
off is that employees feel taken care of. And
with greater financial literacy and
confidence, they are usually more
productive while working and less
distracted b fi
di ”
d by financial woes.”
i l
» Ri H i HR M
Rita Harris, Manager, G
Greenberg F
b Farrow
32. Generic Financial Literacy Programs
• Usually short talks (1 to 2 hours) on general
principles you should follow to become more
fiscally fit (Save. Live within your means.
Avoid debt.) )
• Gives mostly information on how to prevent
financial distress, but offers little concrete
advice t th
d i to those who are already i di t
h l d in distress.
• May mention investment options (stocks,
bonds,
bonds mutual funds) but do not discuss how
to start investing.
• Good as an eye-opener but rarely results in
y p y
behavioral change.
33. Comprehensive Financial
Literacy Programs
• Can be short talks, but tackling specific
issues in depth (I.e. saving up for retirement,
getting out of debt, investing in stocks,
tti t f d bt i ti i t k
bonds or mutual funds).
• P
Program ideally would cover:
id ll ld
– Preventive information
–RRemedial assistance and advice f th
di l i t d d i for those
experiencing financial crisis
– Productive information for those considering
financial opportunities
34. Sample Topics for Preventive
Education
• How to spend less and save more
• Creating financial plan f your f t
C ti a fi i l l for future
• Setting up an emergency fund
• Saving for your children’s education
• Planning for your retirement
• Protecting yourself and your family with
insurance
35. Sample topics for those in
financial stress or distress
• Getting out of debt
• How to get emergency loans
• Taking charge of your finances
36. Sample topics for those
considering financial
opportunities
• Stock Market Investing for Beginners
• Investing in Mutual Funds for Beginners
• Fixed income instruments for Beginners
• Forex trading for Beginners
• How t Start a Business with S ll
H to St t B i ith Small
Capital
37. Capital Gains
C i l G i (MER)
2003 2007 2010 2012
P8.73 P90.45 P 190 P 224
TOTAL CAPITAL APPRECIATION:
39. Best Practices
• Make sure company policy and benefits are
integrated into the module or program.
• Educate throughout the year.
• Actively promote company financial literacy
programs t your employees.
to l
• Offer one-on-one financial coaching and advice to
your employees
employees.
• Measure results by conducting a financial fitness
test before and after the program.
p g
40. Case Studies
• IBM has its “Money Smart”
program for its US
employees. This program
provides in-person and
web-based seminars, one-
on one
on-one planning sessions
and online tools that cover
issues such as managing
debt and housing
expenditures.
• More than 60,000
employees have already
participated in the program.
41. Case Studies: Mountain
America Credit Union
• 5 weeks after their
training program:
– 98% h d an
had
emergency account
compared to 61% at
the beginning
th b i i
– 84% knew their net
worth compared to
p
12% in the beginning
– 11% reduction in
consumer debt
42. Steps in Implementing a
Successful Financial Literacy
Program in your Company
• Secure the support of senior management and
iron-out any budgeting issues for the program.
• Ask employees what topics they would like to have
covered.
• Invite speakers and/or training p
p g providers to
conduct the talks. Make sure speakers customize
module to include company policies and to answer
your employees’ needs.
43. Steps in Implementing a
Successful Financial Literacy
Program
• Choose presentation type, such as pre- or post-
working h
ki hour sessions, l
i lunch and l
h d learn sessions
i
or teleconferences / webcasts.
• S l t date/s and ti / f the program.
Select d t / d time/s for th
• Promote the program through internal
communications four to six weeks before the first
session. Send a reminder the week of the
presentation.
presentation At the end of the presentation
presentation,
promote the details for the next presentation.
44. “Knowledge is only potential power. Real
Knowledge
power is when you put your knowledge
into action. To achieve financial
freedom, you need to take action.”
45. Thank you!
For inquiries about our comprehensive financial
literacy and other training programs please feel
programs,
free to call us at 975-9559 / 623-9601 or e-mail
us at hello@bizwhiz.com.ph :)