"It is frequently called the gatekeeper subject. It is used by professionals ranging from electricians to architects to computer scientists. It is no less than a civil right." - Robert Moses, founder of the Algebra Project.
For over three decades, Jerry Guttman has worked in finance in Arizona. A financial advisor with Total Living Plan, Jerry Guttman is a firm believer in the importance of financial literacy and has spoken about many related topics via his membership in the Society for Financial Awareness, a nonprofit educational organization.
One of the most basic components of good financial literacy is budgeting. While there are many methods of budgeting, the 50-30-20 rule is a popular, albeit simple, tactic. When employing this method of budgeting, a person’s monthly income is broken down into three categories: needs, wants, and savings and debt.
Needs are necessities that a person cannot avoid paying for, like housing, basic utilities, and food costs. Based on the 50-30-20 rule, no more than 50 percent of a person’s monthly after-tax income goes toward covering these costs.
Meanwhile, 30 percent of a person’s after-tax monthly income is allocated for wants. These are things that a person desires but that are not necessary for survival. Dining out and vacations are two common examples. Determining what is a want versus a need is challenging, but wants are generally for fun and are not essential for living or working.
Finally, the remaining 20 percent of a person’s monthly income goes toward savings and debt. This includes all savings, such as retirement and emergency fund savings, along with extra debt payments to pay down existing debt more quickly. The minimum payment for these debts is included in the 50 percent category since they are essential payments.
"It is frequently called the gatekeeper subject. It is used by professionals ranging from electricians to architects to computer scientists. It is no less than a civil right." - Robert Moses, founder of the Algebra Project.
For over three decades, Jerry Guttman has worked in finance in Arizona. A financial advisor with Total Living Plan, Jerry Guttman is a firm believer in the importance of financial literacy and has spoken about many related topics via his membership in the Society for Financial Awareness, a nonprofit educational organization.
One of the most basic components of good financial literacy is budgeting. While there are many methods of budgeting, the 50-30-20 rule is a popular, albeit simple, tactic. When employing this method of budgeting, a person’s monthly income is broken down into three categories: needs, wants, and savings and debt.
Needs are necessities that a person cannot avoid paying for, like housing, basic utilities, and food costs. Based on the 50-30-20 rule, no more than 50 percent of a person’s monthly after-tax income goes toward covering these costs.
Meanwhile, 30 percent of a person’s after-tax monthly income is allocated for wants. These are things that a person desires but that are not necessary for survival. Dining out and vacations are two common examples. Determining what is a want versus a need is challenging, but wants are generally for fun and are not essential for living or working.
Finally, the remaining 20 percent of a person’s monthly income goes toward savings and debt. This includes all savings, such as retirement and emergency fund savings, along with extra debt payments to pay down existing debt more quickly. The minimum payment for these debts is included in the 50 percent category since they are essential payments.
1. Sv1TOMPv2I
Dit is die woororde van ‘n normale sin.
SUBJEK
Onderwerp
wie
Verb1 TYD
wanneer
OBJEK
Voorwerp
wie/wat
WYSE/ MANIER
hoe
PLEK
waar
Verb 2 INFINITIVE
hoekom
Johan skop vandag die bal baie hard in die tuin om te oefen
Johan het vandag die bal baie hard in die tuin geskop om te oefen
Johan sal vandag die bal baie hard in die tuin geskop om te oefen
2. Sv1TOMPv2I
= SUBJECT
Subjek
wie
= VERB 1
Werkwoord 1
= TIME
Tyd
wanneer
= OBJECT
Objek
wat/wie
= MANNER
Manier/Wyse
hoe
= PLACE
Plek
waar
= VERB 2
Werkwoord 2
= INFINITIEF
om … te
hoekom
3. VOORBEELDE:
Skryf die volgende sinne in die korrekte woordorde
1. eet, by die huis, hy, vandag, 'n groot koek
Hy eet vandag 'n groot koek by die huis.
2. het, die seun, gespring, oor die muur, vinnig
Die seun het vinnig oor die muur gespring.
3. die boek, by die huis, my pa, vandag, vinnig, om dit klaar te maak, sal, lees
My pa sal vandag die boek vinnig by die huis lees om dit klaar te maak.
4. ONTHOU DAT DIE WERKWOORD (V1) ALTYD 2de IN ‘N SIN MOET WEES.
SV1TOMPV2I
* Marie doen saans haar huiswerk deeglik in haar kamer om goed te doen.
As jy met die Tyd begin, gaan jy terug na v1, dan S, O, M, P, V2, I
Bv. Saans doen Marie haar huiswerk deeglik in haar kamer om goed te doen.
As jy met die Objek begin, gaan jy terug na v1, dan S, M, P, V2, I
Bv. Haar huiswerk doen Marie saans deeglik in haar kamer om goed te doen.