...Personal Financial Plan Part 1 Laura Grundowski Abstract This paper will discuss the beginning of my personal financial plan. It will also outline said plan into a budget that will be put to use throughout the next few months. Budgeting is a vital part of managing one’s personal finances. When beginning to budget one must pinpoint the sources of cash inflows and cash outflows. Having knowledge of your personal financial situation is also necessary in managing personal finances. If done right, personal financial statements provide information on current financial positions and help pave the way for financial success. Goal setting is most successful for me when I begin with short term goals. For short term, one of my goals is to establish a short vacation fund with which I can go on a birthday weekend vacation somewhere up north. I estimate that I will need roughly $400 by January 1st, and that I will need to save $34 per week for the next few months to achieve this goal. A second short term goal is to save pay off my $400 credit card balance on my Capital One. I estimate that I can make payments of about $80 per month for the next 5-6 months to pay the balance in full with additional interest that will accumulate. My intermediate goal is to begin saving for a wedding. Once my credit card bill is paid off, I can switch the $80 payment from the credit card to this goal. At the time of purchase, I expect to have saved $4,800. Although I will have some help from my parents...
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...Assessment Sheet - For Tutor’s Comments Only |1 |One Reflective Entry |Comment | | |Demonstration of engagement with the task | | |Additional Comments: | | | | | |2 |Study Skills tasks |Comment | | |All tasks completed | | | |All activities attempted and included for each exercise, where appropriate | | |Additional Comments: | | | | ...
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...Student Name: Student ID: Group: n/a Date: 29/10/13 Assessment Coding Assessment of this program of study is based on competency based principles. S = Satisfactory NS = Not Satisfactory Students who fail to perform satisfactorily for the assessment in the prescribed date may be assessed as ‘not satisfactory’. You are required to be assessed as ‘Satisfactory’ on completion of Assessments assigned by your assessor for this unit of competency. Re-assessment Any re-assessment is conducted as soon as practicable after you have been informed of the requirement to be re-assessed and have been given the opportunity to be re-trained and assimilate the training. You are re-assessed in only the areas assessed NS. It is at the assessor/s discretion to re-assess the entire assessment should it be demonstrated an overall understanding of this unit has not been achieved. Students that are assessed “satisfactory” after re-assessment of areas deemed NS will achieve competency for this assignment. |I acknowledge the assessment process has been explained and agree to undertake assessment. I am aware of Careers Australia’s appeals | |process, should the need arise. I also understand that I must be assessed as ‘satisfactory’ in all parts of the assessment to gain a | |competent result for this unit of competency. I declare that the work contained in this assessment is my own, except where acknowledgement of| |sources is made...
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...Holocaust, an event that not one Jewish person wants to ever recall upon; they would experience such labor that could lead to their possible death, while undergoing excruciating pain both mentally and physically. In addition, as a Jewish they would live day by day trying to survive on meals that wouldn’t suffice their hunger, eventually leading to extreme malnourishment. Nevertheless, they were burned and exterminated from a series of camps controlled by the “all superior Nazi’s,” as a cause of their inability to manage the labor tasks they were given as a part of their daily lives. However, one Jewish lady Helga Weissova was able to escape during the time of horror and the extermination of the Jewish race. Helga Hoskova Weissova was born 1929 in the largest capital which is Prague. Helga later departed from her home and was transferred to Terezin at the age of 12 living her daily life there for 3 years before she was transferred to Auschwitz. As a young naive child, Helga wasn’t aware of the political issues and beliefs the Nazis came across towards the Jews. Helga had a passion of drawing where she would draw the world around her as she gave a broader spectrum of what she was experiencing during the Holocaust. As Helga began to grow and develop she wasn’t able to fully experience the ”normal childhood” as opposed to a child who wasn’t Jewish. Myers 2 At a very young age, she had experienced that the world around her was slowly coming to an ...
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...This data for the “Consumer Spending Trends” KRI can be used to observe the potential risk in the event of inflation of prices for goods and services that can rise and, consequently, cause the purchasing power of the currency to fall and the cost increases that are experienced by Fresh Market will then be passed on to its customers. This increase in product to the customer may decrease consumer spending at Fresh Market. Furthermore, this risk includes the possibility that Fresh Market competitors may be attracting their...
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...at that time. For the individuals, good time management skills usually mean that the employee feels more in control of their workload Poor Time Management is usually shown by: • Getting less done than you expected. • An inability to meet deadlines set by your line manager • Not knowing what to do or how to start • Meetings going no longer than expected • Talking on too much work in the first place because you feel you have to say yes and help others • Putting off start this is known as procrastination Poor time management Poor time management affects every part of your life. Many people convince themselves that they are effective time managers because their diary is full. They are constantly rushing from one place to another, and they feel that they are incredibly busy. Having a full diary does not mean that you are managing your time correctly; it...
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...Andrea Hunter 63 Roundmoor Walk Castlevale Birmingham, B35 7HR 07949364153 Che.vel@hotmail.co.uk PROFILE: I am a hardworking individual who strives to be successful in all tasks that I undertake. I am looking for a role working with children and young people, in a mentoring or social work capacity, and have previous experience to support me in this field, as well as an administration background. I have excellent communication skills and I am able to work on my own, unsupervised. I am available for immediate start and I am happy to undergo any training required by the role. KEY SKILLS: * Good ICT skills and familiarity of all Microsoft packages * Excellent communication and interpersonal skills * Listening and Empathy skills * Respect for confidentiality * Previous training in safeguarding of vulnerable adults * Strong team player CAREER HISTORY: Aug 2010 to Feb 2011 Fresh wind, Selly Oak- support worker * Working alongside experience staff offering housing support to people suffering from HIV * Responsible for administration support to advisors * Escorting advisors on visits * Maintaining all paper and electronic filling systems * Adhering to strict confidentiality regulations Feb 2007 to Jul 2008 City United& Connexions- Mentor * Working with young people age 16-25 offering support on a one to one basis * Devising action plans for moving the client forward * Monitoring...
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...Recreation and Leisure in Canada Assignment AHSC 242 Table of Contents Introduction..................................................................................................................................................3 Part 1: Understanding/Recognizing how free time is spent.........................................................................4 Trends and Patterns........................................................................................................................4 Work and Leisure Occurring Simultaneously.................................................................................4 Motivation of Leisure......................................................................................................................5 Influence on Leisure........................................................................................................................5 Defining Leisure – Response Theory (MacNeil)..............................................................................5 Part 2: The Role of Leisure in our Lives.........................................................................................................6 Moving Away from home and entering a Serious Relationship....................................................6 Escaping Reality...............................................................................................................................7 My Life without School......................
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...People often come up with their best ideas when time is tight-at least thafs what many executives assume. The trouble /s, as new research reveals, it's not true. CreativityG Under the T RULY BREAKTHROUGH IDEAS tarely hatch overnight. Consider, for example, Charles Darwin's theory of evolution, which had a protracted evolution of its own. Darwin spent decades reading scientific literature, making voyages on the HMS Beagle to the Galapagos and other exotic destinations, carrying out painstakingly detailed observations, and producing thousands of pages of notes on those observations and his ideas for explaining them. It's inconceivable that his breakthrough would have occurred if he'd tried to rush it. In business, too, there are striking examples ofthe value of having relatively unstructured, unpressured time to create and develop new ideas. Scientists working at AT&T's legendary Bell Labs, operating under its corporate philosophy that big ideas take time, produced world-changing innovations including the transistor and the laser beam. Their ingenuity earned the researchers several Nobel prizes. They, like Darwin, had the time to think creatively. But we can all point to examples where creativity seemed to be sparked by extreme time pressure. In 1970, during Apollo 13's flight to the moon, a crippling explosion occurred on board, damaging the air filtration system and leading to a dangerous buildup of carbon dioxide in the cabin. If the system could not be fixed or replaced...
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...Background of the Study Students all over the world need social media for effective learning. Education is no exception in using social media. Little is known about the influence of social media use on the academic and social lives of students. Social media has been influencing our lives for quite some time now and the trend of using it is ever increasing day by day. According to (Qingya Wang Johnson & Wales University - Providence, qaw733@jwu.edu) education has been dependent largely on the print and electronic media for quite some time, but those media are expensive due to lesser availability, on the other hand, social media is inexpensive and easily available. Using time-diary and survey data explores the use of various types of social media among students. Time-diary results suggest that the majority of students use electronic media to multitask. Robust regression results indicate a negative relationship between the uses of various types of electronic media. In addition, we find a positive association between social-networking-site use, cellular-phone communication, and face-to-face social interaction. Also, not all consequences of this technology are good ones. Many students rely on the accessibility of information on social media specifically and the web in general to provide answers. That means a reduced focus on learning and retaining information. Also it allows to hide behind screens and limited our social interaction face to face. You get the...
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...Social Web and Users today In today’s society, the Social web is a booming industry. There is no set age limit as to who can you is. There are no boundaries as to what can be done. There are many different topics involved in using the social web. There are pages like Facebook, Twitter, and Instagram that are like the online diaries of social web. Then there is Youtube which is like a database of nothing but videos for people to search. There are also websites like LinkedIn, a professional network. There is also online dating pages and pages for stock markets as well. There are so many social web sites that affect every ones lives in different ways. It is amazing how I am able to connect with people from school, professional arenas, social arenas, and social networks all by internet. On the internet, we have websites like Facebook. Facebook originally started out for college students only. Now it has evolved into a page that any aged person can have. It is a place to upload pictures and videos. You can keep people updated on your life from across the world. As of right now Facebook has over 845 billion active users. People upload over 250 million photos every day. Facebook has been used to promote celebrities and other businesses. People can have a Facebook page to raise money from a fundraiser or get people interested in their product or business. Statistics show that there are more males on Facebook then females. Also the 55 and up age group grew 922.7% in 2009. It seems...
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...with nurse unit managers and nursing staff, allied health staff Goals To reduce patients ‘complaints * To develop a system so that I can monitor all resources to ensure that everything is up to date * Keep my diary organized and up to date so that I can track my daily routine tasks and responsibilities * Deliver quality health services * Grow and translate education and research * Go on holiday with my family in the next 1 year Work Plan 1 – Professional Work Activity | Description | Goal | Kpi | Time Frame | Person Responsible | Resource system | Make a resource system | Make a resource system to monitor all the work activities and tasks are upto date | Make sure that I complete the resources system within a month | Next one month | Rene | Patients complaints | Reduce complaints by 5 percent | Reduce complaints by 5 percent | Patients feedback in form of survery | Making sure every patient gets survey form submitted while leaving the centre | Rene | Work Plan 2 – Personal Work Activity | Description | Goal | Kpi’s | Time Frame | Person Responsible | Go on a holiday with my family | Keeping the professional work aside and spending family...
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...POLITICAL “Penny Thomas an MBA graduate acquired the ownership rights to Marble Slab Creamery franchise located in Ontario, Canada” (Zatsman & Grasby, 2009, p. 1). “NexCen Brands Inc. owned the Marble Slab but played small role in the daily operations of their locations” (p. 2). In an ice cream industry, any changes in regulatory for foods such as diary could force changes in this type of business. But since “assistance is given in terms of financing, real estate and marketing, and because the store is backed up by a large well-established company” (p. 2), her franchise have the ability and privilege of financial risk of any financial disaster being reduced and the consequences of being not as much severe. This acts as a safety net for Thomas’ store, which is helpful and the store can feel more secure. ECONOMICAL When global economic strike, for instance in U.S, it affects the economic outlook and result to people spending less. A recession in United States “raises fear on how the Canadian economy will be affected later with the decline in Canadian exports and commodity prices (Zatsman & Grasby, 2009, p. 3)”, and this could possibly hit the country’s economy. This instability increases concerns for the business, might hurt in the future because if recession does hit, less consumers will be able to afford the “high quality, super-premium” (p. 1) of Marble Slab so sales will decline. Also the business deals with “dairy products, commodity products such as cocoa and sugar...
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...Confirming Pages chapter 1 Personal Finance Basics and the Time Value of Money kap61647_ch01_002-033.indd 2 16/10/13 1:40 PM Confirming Pages Learning Objectives What will this mean for me? LO1-1 Analyze the process for making personal financial decisions. Every person has some money. However, the amounts and individual needs and choices are diverse. You now have the opportunity to learn about varied financial paths for avoiding common money mistakes. Your knowledge and actions will move you toward financial security. Despite economic uncertainty, you will be able to use wise financial strategies in every stage of your life to achieve your personal goals. LO1-2 Assess personal and economic factors that influence personal financial planning. LO1-3 Develop personal financial goals. LO1-4 Calculate time value of money situations associated with personal financial decisions. LO1-5 Identify strategies for achieving personal financial goals for different life situations. my life e HOW DO I START? One day, you may receive news that your aunt has given you a gift of $10,000. Or you might find yourself with an extensive amount of credit card debt. Or maybe you desire to contribute money to a homeless shelter or a hunger-relief organization. Each of these situations involves financial decision-making that requires, first, planning and then taking action. The process you use should be carefully considered so no (or only a few) surprises ...
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...The understanding and recognition of the value that recreation and leisure has to offer. | | Francis Pellegrino | 3/5/2009 | | Table of Contents Introduction 2 Timeline Diary Entries 3 Part I 6 Part II 9 Part III 12 Conclusion 15 Bibliography 16 Introduction The premise of this assignment is to explore the aspects behind recreational and leisure activities through the eyes of students. By demonstrating certain events based on the students life, it will give a certain understanding as to what they’ve learned throughout the course thus far, and what there capable of demonstrating through the different stages of the following three sections The first section is to enable the students to recognize and understand how free time is spent by conducting entries in a timeline diary and explaining the different questions provided by the lecturer. The second section is to help students understand the roles that leisure plays in their lives by selecting certain personal events and discussing the, in their own terms. Finally, the third section is to help students understand more about leisure in their community by exploring the different commercial locations available along with the possible constraints to leisure participation. Timeline Diary Entries Diary of Time Spent (Friday) | Time (min) | How Time Was Spent | Mood | Leisure Consideration | 12:00am-12:30 | Driving to local bistro after work | Tired | Yes | 12:30-1:00 | Arrived at bistro...
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