...conduct the fourth leg of its Economic and Financial Learning Program (EFLP) for 2015 in Dipolog City on 10 to 13 August 2015. The EFLP consolidates the learning outreach activities of the BSP under one flagship program. It includes a series of learning sessions that aim to promote greater public awareness and understanding of key economic and financial issues. The EFLP also embodies the goal of the BSP to promote economic and financial education among its stakeholders, who can then become more effective partners of the BSP in safeguarding price stability and in ensuring a stronger and safer banking and payments system.The following programs will be conducted: * “Project BRO (BSP Reaches Out),” a savings campaign for kids and teens from Grade 1 to Grade 10, scheduled on 10 August 2015, Monday, Dipolog Pilot Demonstration School (8:00 to 11:00 a.m.) and St. Vincent School (1:30 to 4:30 p.m.); and 11 August 2015, Tuesday, Zamboanga del Norte High School (8:00 to 11:00 a.m.), and St. Mary’s Academy (1:30 to 4:30 p.m.); * “Be up to SPeed on BSP,” Information Campaign on the Role of the BSP in the Economy, 11 August 2015, Tuesday, 1:30 to 4:30 p.m. (module for the workforce), and 12 August 2015, Wednesday, 8:30 a.m. to 12:00 noon (module for students), Ariana Hotel; * Financial Education Expo for the Working Sector, 12 August 2015, Wednesday, 8:00 a.m. to 4:00 p.m., Top Plaza Hotel; * “Paghahanda sa Kinabukasan,” Financial Learning Campaign for Overseas Filipinos and...
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...the workforce, get married and have children, and all before their mid twenties. Now there is a new grace period, called “emerging adulthood”. This period of time, between the ages of eighteen and twenty-nine, has become a time where young men and women are expected to search for their own identities, continue their education, find a suitable career, then settle down into a married life and have children of their own if they so choose. There is still a wide variety in difference in expectations in America, especially when considering the social, ethnical and financial background that these young individuals come from. Children from more affluent families are likely to go to a college or university right after high school, where as children from less financially stable backgrounds are likely to join the military in order to afford schooling, or head straight into manual labor type jobs, in hopes of going to college later on. Argentina, much like America, is a western industrialized culture that shares a lot of commonalities with its expectations of emerging adults, though there are several cultural differences. Americans tend to place more importance on their peers and social status than their families, whereas Argentineans are the complete opposite. As with most Hispanic and Latin cultures,...
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...IMPORTANCE OF BUDGETING AND SAVING Importance of Budgeting and Saving Andrea N. Kirkwood GEN/200 22 March 2010 Mr. Otis Langford IMPORTANCE OF BUDGETING AND SAVING Importance of Budgeting and Saving Do you find yourself living from paycheck to paycheck, unable to pay your bills, struggling financially? If so, you are amongst the millions of people who suffer from these same issues everyday. One of the best ways for you to get on financial track is to establish a budget. What is a budget you ask? As defined by Merriam-Webster, a budget is “a plan for the coordination of resources and expenditures” or “the amount of money that is available for, required for, or assigned to a particular purpose” (Merriam-Webster). A budget will help you realize your true income, assess your debt, see how your money is really being spent, and should help you save on some of your unnecessary spending. Budgeting is one of the most important factors when it comes to financial stability. A budget is a precise way to help you live within your means and get your finances under control. Making an individual or a family budget will assist you in your planning when it comes to saving for the education expenses of you or your children, maintaining an emergency fund, planning vacations, buying a home and numerous other unexpected events that life may throw your way. IMPORTANCE OF BUDGETING AND SAVING Creating a budget should be a very simple process. You...
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...“Why Education is Important to Me” By: Hernika Alridge Many students around the world today focus mainly on one thing while they are in school; Career and income, but how do you achieve that? How does one get the career they want and the income they desire? The answer is education several countries are known for their superior performance in academics and the pressure related to their education. Among those countries are China, India and Japan. These three countries share a lot in common; exceptionally smart students and a very strict education system that flood students with pressure from parents to perform extroadinary in school. Anita Desai, who is the author of Studies in the Park, shows us how much education is important in India. Studies in the Park is about a young man named Suno. Suno is ready to apply for college, but before he goes into college, he must pass the entrance exams for his college. Suno undergoes pressure from his parents to study hard and pass the entrance exams. Suno is always reminded from his parents that he expects good results from him and he should just be studying. Suno starts to get fed up with all the talks and his loud home, so he tries and find a new place to go and study; The Park. At the park he meets other students who are just like him; tired of all the noise at home and fed up from their parents fussing at them to study. Anita Desai’s Studies in the Park obviously connects with the significance of education worldwide...
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...Financial Planning and Literacy: A College Student’s Guide The American Dream of the 20th century is considered dead by most of today’s college students and recent graduates who find that getting a job that they are not vastly overqualified for is almost just as difficult as graduating. For those few students who gratefully find themselves at the bottom of the corporate ladder, the next difficult task is appropriately managing their new $45k salary. Financial literacy is defined as “the ability to make informed judgments and to take effective actions regarding current and future use and management of money” (LaBorde, Mottner, and Whalley 2014). Financial literacy and planning have long been considered issues in the US, but more now than ever, in the wake of a recession, they are of critical importance to those entering the work force. My research has led me to make three primary claims: (1) the US is mostly financially illiterate, (2) financial literacy and financial planning are positively correlated, and (3) good financial habits must be developed early. Financial Literacy All of the data supports the claim that a large portion of the US is financially illiterate; also, young adults and college students have even lower levels of financially literacy than the general public. Research indicates that college students today have an exceptionally low level of financial literacy. One financial literacy survey found that only 53 percent of students...
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...COLEGE GUMACA,QUEZON Financial Status: Cause and Effect to the educational growth and development of children at Brgy. Tabing Dagat Gumaca,Quezon By; Ma. Angela C. Pelaez Reseach Paper in English IV Presented to: Mrs. Beatriz A. Apoli March 2015 Introduction: Financial matters are related to all aspects of personal and family life. Financial concerns and family relationships financial problem and substance abuse psychological aspects of financial hardship, in financial problems stress are just a few examples of research topics in personal finance. Research has shown the relationship between workplace productivity and poor financial behavior employers financial problems are one of the four problems in the workplace. Many of the children from now on are not attending our classes in school, because many of them are not supported of their parents. The others are not having enough money to pay the school contribution. Some children are not interested on going to school because they want to work every day forgetting that school is also important. The problems of student is being a working students. They not have enough time to rest and to study well because they are so very busy on their role. So the student who not attending our school is have not a quality knowledge. Significance of the Study: The Researcher has investigated financial matters and their impacts on personal and family life for years. Importance areas of research are...
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...The Importance of Earning a College Degree Student’s Name: Institution: The Importance of Earning a College Degree I. Introduction Background Earning a college degree is one of the most important goals that people want to achieve in their lives. It is important to find out the extent to which a college degree opens up doors of opportunities to graduates that have undertaken various courses. Many people argue that a college education allows a person to expand his abilities to focus not only on intellectual competencies but on other relevant areas as well. All factors that motivate people to pursue a college education will be discussed further in this study (Gulbrandsen, 2011). However, some people have insisted that a college degree is not important and does not help them in any way. Various arguments that show the importance of college education will be analyzed in this study. Thesis: This paper will discuss the value of a college degree by using various arguments to show how it opens up opportunities for graduates who benefit from a brighter future. Expanded Thesis: This study will reveal how a college degree leads graduates to a more rewarding future where they are able to utilize the skills they have acquired to excel in their lives. II. Argument A college education allows a person to increase the amount of money he or she earns from a particular career. Graduates acquire diverse skills...
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...Data from the National Health and Nutritional Examination Surveys shows that the prevalence of obesity has increased for children in all age categoris. Below is a chart depicting the tested age groups along with the increase in obesity rates. Statistics also show that 17% of all children and adolescents are either overweight or obese. AGE | %INCREASE | 2-5 | 5-12% | 6-11 | 7-17% | 12-19 | 5-18% | Is childhood obesity a growing problem in Massachusetts? Nearly 30 percent of children in Massachusetts are overweight or obese, and the number of overweight children has more than tripled in the past three decades. Both nutrition and physical activity play key roles in the obesity epidemic. A lack in financial resources has played a major role in both in nutritional and physical...
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...One of the financial counseling operation supervisors, Ethan, has many leadership roles and performs several practices. Ethan is responsible for assigning personal financials counselors to different assignments. These assignments range from a few hours to six months in length. Connecting personal financial counselors with an assignment can be very time consuming. When a new assignment arrives the announcement is sent out to several personal financial counselors. Then the counselors bid on the assignment which then goes to the Office of the Secretary of Defense (OSD) for approval. Once approval goes through, Ethan creates a strategic plan to ensure the counselor is a good fit for the assignment and all assignment logistics are in place. The counselor is then briefed on the current assignment and Ethan emphasizes the importance of assisting our service members in a professional and productive manner. With ever-changing regulations on contracts, Ethan has to strategically implement these changes to provide a smooth transition for both the counselors and clients. Depending on the level of importance, Ethan either informs counselors of the new guidelines and requirements...
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...Managerial Economics Financial Accounting Environment Management Quantitative Techniques Business Legislation Communication Skills- I Computers for Managers ITM UNIVERSITY, RAIPUR Master of Business Administration Subject: Principles of Management Semester-I Unit I Introduction - Nature, function, definition and importance of management, Definition, nature, purpose and scope of management, Functions of a manager, an overview of planning, organizing, staffing leading and controlling. Is management a science or art? Unit II Development of Management Thought - Scientific management; Contribution of Taylor, Fayol, Mary Follet, Elton Mayo; Hawthorne experiments, Contingency approach, Indian heritage in production and consumption. Management and administration, Management as a profession, Professionalism of management in India, Management ethics and management culture, Skills required of manager, Classification of skills, Methods of skills development. Unit III Management Planning - Concept of planning, objectives, Nature, Types of plan, Stages involved in planning, Characteristics of a good plan, Importance, Limitations of planning, Making planning effective, Strategic planning in Indian Industry, MBO. Decision Making - Concept, characteristics of decisions, Types of decisions, Steps Involved in decision making, Importance of decision making, Methods of decision making, Committee Decision Making. Unit IV Organisation - Concepts, Principle of organization, Importance, Features of good...
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...Investing is very important now a days to survive. Here the importance of investment is stressed upon to make you understand your needs and goals. What is "Investment" ? Before you move on to know the importance of investment, you should know what it actually means. Many people think that they are investing their money when they hold few shares of a company. But when it comes to investing, as low as a staggering 10 percent of the people only really invest and those are the only to survive in the long run. Investment does not refer to mere buying and selling the shares of a company. But it means more than that of selling and buying the shares of a company.So now you might be thinking that if one doesn't sell or buy, how can one invest? I am not telling that investors don't buy and sell but what I mean to say is the real investor buys and sells his shares with a precise and ample knowledge and vision. Investing needs a little amount of research on various elements which effect the stock market. Importance of Investment "The more you sweat in peace time; the less you bleed in the war" What a quotation! This is applicable for all aspects of your life. If you don't invest your money and think that there will be no need of money in your contended life, then one day suddenly you will be in a pathetic situation where you need money for education or medication of your family member. Then only you will realize the value of money. But dear friend, it...
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...In my early education, my parents always made a point to tell me how smart I was, no matter the circumstance. Telling someone, especially a young impressionable child, something like that over and over again often results in them believing it. Words like those remain in the back of our minds and, whether or not we want to believe it, influence us into adulthood. It is because of these words stored in my subconscious education remained my constant throughout my parents’ divorce, even when it seemed like everything in my life was changing. As a young child, I channeled the stress that had been indirectly put upon me into energy and diligence in my school work. Without realizing it, I was using the achievements and praise I obtained in school as a coping mechanism for my emotional instability. Though the divorce of my parents provided me with other kinds of hardships, such as my need to grow independent sooner than I expected, it’s occurrence allowed me to see the importance of my education as a juvenile. Soon after I had begun to take my academic achievement into my own hands, always doing what was required of me and much more, my...
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...I learned the most about economics and financial planning, not while in college or at work, but during my time off from the working world during the years I got married and started a family. After working for three and a half years in the financial services industry I had been exposed to the business side of financial advising; I learned about stock portfolios, retirement funds and the importance of a diversified portfolio, and though I was passionate about the industry I never fully understood the level of freedom and empowerment that one attains from financial security. I was a naive 20-something when I got married and thought my husband could be responsible for our financial future. I grew up in a relatively “traditional” family where my dad managed the finances and my mom took care of the home. And even though I had graduated from a prestigious college program in Political Science and expected to maintain a career I still had very little understanding of the importance of being a financially independent woman in today’s world. Throughout the years I have learned that there are many other women in my same situation that would benefit from financial counseling and education. Though I had an understanding of the financial industry, the fact is that prior to starting a family I had never been responsible for basic home economics such as balancing a checkbook, paying bills, or starting a college fund for my daughter. It became apparent to me how important it was for me to...
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...they want and the income they yearn? The answer is education several countries are known for their exceptional performance in academics and the pressure related to their education. Among those countries are China, India and Japan. These three countries share a lot in common; exceptionally bright students and a very rigorous education system that showers students with pressure from parents to perform exceptional in school. Anita Desai, who is the author of Studies in the Park, shows us how the much education is important in India. Studies in the Park is about a young man named Suno. Suno is ready to apply for college, but before he goes into college, he must pass the entrance exams for his college. Suno undergoes pressure from his parents to study hard and pass the entrance exams. Suno is always reminded from his parents that he expects good results from him and he should just be studying. Suno starts to get fed up with all the talks and his loud home, so he tries and find a new place to go and study; The Park. At the park he meets other students who are just like him; tired of all the noise at home and fed up from their parents nagging at them to study. Anita Desai’s Studies in the Park undoubtedly connects with the importance of education worldwide, pressure placed on students for education and the pressure for incentives offered for education globally. Many students are constantly faced with the same problem everyday: Education. Desai showed emphasis on the pressure that students...
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...Since the conception of the Exemplary Character Award (ECHA) by the Ministry of Education (MOE) in 2012, there has been much controversy and discussion surrounding this issue by both students and parents alike. While some Singaporeans have lauded this movement, many critics have slammed this award as being too ostentatious, and plain hypocritical. This harsh criticism is not without valid reason as giving monetary awards for good behaviour can indeed result in a wrong perception on the importance of good character, encourage pretentious behaviour from students as well as place a financial burden on the Singapore government. Advocates of this award argue that the award helps to educate school students on the importance of good values and character. This is in light of the recent complaints from parents who say that too much emphasis is placed on academic achievements in our education system and too little attention is placed on the character development of their children. Thus the advocates of this award feel that the Ministry of Education is justified in their plans to award certificates and money to well behaved children. However, is this really the right way to raise the importance of good character and values? I do not think so. In fact, there is a major flaw in the logic behind this ECHA award. By handing out certificates and monetary cheques to these well behaved children, the school is placing a value on good character, and not actually encouraging students to display good...
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