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ETHICS…
MARIE NOAH L. JAVELOSA | BSMA-2A
abilities? • Who needs the talents, skills, and abilities you can
provide?
4. Private vs. Public Sectors
- Public sector jobs are typically found in government agencies or
tax-funded organizations (e.g., teaching, healthcare, emergency
services, civil services, and city councils), whereas private sector
jobs are found in private businesses or other sorts of independent
businesses (i.e. financial services, law firms, real estate and
hospitality).
5. Personal Inputs and Tips
- • Classroom setup is different from work setup.
• You may find it hard to adjust if you did not experience on-the-job
trainings (OJT) internships. or
• Trainings/seminars are really helpful.
• Knowledge is power.
• If possible, get yourself a mentor for you to gain more knowledge
and skills.
• Always remember that you are moving in a fast paced
environment.
• Most importantly, be yourself and know that you only have
yourself to fight every day's battle.
1. Money Management
- You must manage your money in order to live a secure, happy,
and healthy life. It may appear simple, such as instead of using
your funds to purchase a new, cool gadget, you will use your
saves to purchase a book for class or bus tickets to move about,
but money management is far more complicated than that. It's not
only about deciding how you'll spend your money on the things
you want and need. It's all about how you're going to spend and
save money now and in the future. Budget is another phrase for
this (or budgeting). Budgeting is essential for both teenagers and
adults since it ensures that we will always have enough money.
2. Road to Healthier Relationship with Finances (Segment)
- (1) Create streams of income, (2) Create your budget, (3) Settle
your debts, (4) Set clear money goals, and (5) Stick to budget and
goals.
3. Financial Planning Triangle
- (Top) Wealth transfer, ESTATE TAXES, INHERITANCE FOR
HEIRS, BUSINESS SUCCESSION; (Middle) Wealth
Accumulation, EDUCATION FUND, HOME OWNERSHIP,
RETIREMENT FUND MID-TERM SAVINGS, CAR, TRAVEL,
BUSINESS VENTURE, LONG-TERM SAVINGS; and (Bottom)
Wealth Protection, DEATH OR ACCIDENT, ILLNESS OR
DISABILITY, NATURAL CALAMITIES TEMPORARY JOB OR
BUSINESS LOSS.
CAE 225: GOVERNANCE, BUS. ETHICS…
MARIE NOAH L. JAVELOSA | BSMA-2A