Hamon 3 – Pera

Ano ang mga desisyon sa pananalapi batay sa mga personal na halaga?

1. Ano ang mga desisyon sa pananalapi batay sa mga personal na halaga?
Ang mga personal na pagpapasya sa pananalapi na nakabatay sa mga halaga ay tumutukoy sa
mga pagpipiliang ginagawa natin sa pera na naaayon sa ating mga paniniwala at priyoridad.
Halimbawa, maaaring unahin ng ilang tao ang pag-iipon para sa hinaharap, habang ang iba ay
maaaring unahin ang pagbibigay ng donasyon sa kawanggawa. Ang lahat ay tungkol sa paggawa
ng mga pagpipilian na nagpapakita kung ano ang pinakamahalaga sa iyo.
2. Past participle.

a. Buy Bought i. See Seen

b. Do Done j. Sell Sold
c. Drive Driven k. Smile Smiled
d. Make Made l. Spend Spent
e. Give Given m. Take Taken
f. Lend Lent n. Want Wanted
g. Ride Ridden o. Write Written
h. Save Saved

3. Kumpletuhin ang mga pangungusap.

a. I’ve never given money to charity.
b. A : Have you ever sold anything on eBay?
B : Yes, I have. Several times.
c. She has lived in lots of different countries.
d. I know that restaurant, we’ve eaten there
before. The food’s excellent.
e. I’ve never sung in front of a large group of
people, and I never want to.
f. A : Has he ever cooked for more than ten
people?
B : No, he hasn’t. What about you?
g. She has helped me several times, she’s very
kind.
h. My car’s never broken down and it’s more than
ten years old.
i. How many times they have seen this film?
j. We’ve never tried this, so it’ll be new
experience.

4. Iwasto ang pagkakamali sa pangungusap na ito.

a. Have you ever climbed a mountain?
b. I’ve never seen that film.
c. Have you ever gone to Canada?
d. Where have you been on holiday last year?
5. Sagutin ang mga tanong.
e. She has broken her leg two times.
f. I’ve worked in a hospital for long time ago.
g. In your life, how many times have you moved
house?
h. When we went to London, we’ve visited Kew
Gardens.

a. Are you saving up for anything at the moment?
What for? How much money do you need?
Right now, I’m saving up for a vacation and there’s
some music concert that I want to watch. As for how
much money I need, it depends on the destination and
c. Do people often ask for discounts in shops
in your country? How about in markets?
Are you good at getting discounts?
In my country, people do sometimes ask for
discounts in shops, especially during sales or when
6. Sagutin ang mga tanong.
a. Ang panimulang talata ay nagmumungkahi na ang artikulong ito ay tungkol sa mga
alternatibong paraan upang makakuha ng pautang o humiram ng pera lampas sa tradisyonal na
mga bangko.
b. Oo, tama.
c. Basahin ang artikulo. Aling teksto (1 hanggang 4)
1). Pareho ba ang nangyari sa dalawang lugar?
ay nagsasaad na si Franz Hermann Schulze Delitzsch ay nagtatag ng isang organisasyon na
katulad ng ginawa niya sa nayon ng Ninomiya Sontoku sa Japan . Kaya't ang parehong
bagay ay nangyari sa dalawang lugar sa Text 1.

2). Maaari ba akong makakuha ng pautang para magsimula ng negosyo (x3)?

Ang teksto 1 ay nagsasaad na ang mga tao ay maaaring humiram ng pera para sa iba't ibang
layunin, kabilang ang pagsisimula ng isang negosyo.

Inilalarawan ng teksto 3 ang crowdfunding, kung saan nakalikom ng pera ang mga tao para
magsimula ng negosyo.

Binanggit ng Text 4 ang Kiva.com, isang crowdfunding website kung saan ang mga
mahihirap at mga tao sa papaunlad na bansa ay humihingi ng pautang. Ang ilan sa mga ito
ay para sa pagsisimula ng isang negosyo.

3). Humihingi ka ba ng pera sa maraming tao para simulan ang iyong negosyo (x2)?

Inilalarawan ng teksto 3 ang crowdfunding. Ang Crowdfunding ay nagsasangkot ng

paghiling sa maraming tao na mag-abuloy ng maliit na halaga ng pera upang magsimula ng
isang negosyo.

4). May utang ka ba sa bangko?

 ay nagsasaad na si Franz Hermann Schulze Delitzsch ay nagtatag ng isang organisasyon na
nagbigay ng mga alternatibo sa pagpopondo sa mga bangko.

5). Makakatulong ba ang ideyang ito sa mga tao sa papaunlad na bansa?

Inilalarawan ng teksto 2 ang microcredit, kung saan ang mga maliliit na pautang ay
ibinibigay sa mga tao sa Bangladesh upang matugunan ang mga problema sa mga
umuunlad na bansa.

Inilalarawan ng Text 4 ang Kiva.com, isang crowdfunding na website na partikular na nagta-

target ng mahihirap na tao at mga tao sa mga umuunlad na bansa.

6). Humihingi ba ang mga tao ng pera para sa edukasyon?

Binanggit ng Text 4 ang Kiva.com, kung saan ang ilang mga borrower ay naghahanap ng
pagpopondo sa edukasyon bilang karagdagan sa pagsisimula ng isang negosyo.

d. Sagutin ang mga tanong. bakit?

3). Franz Hermann Schulze-Delitzsch started
his credit union because he was fed up with
banks and wanted to help other people. He
created the organization as an alternative
to traditional banks, allowing people to pay
a little money each month and borrow
money when needed.
4). Dr. Muhammad Yunus started his "Village
Bank" (microcredit initiative) in response to
the problems faced by poor and hungry
people in villages in Bangladesh. He
provided very small loans to individuals,
enabling them to start small businesses
such as making furniture or engaging in
farming. The aim was to address the
financial challenges faced by those who
couldn't get loans from normal banks.The
music group ask fans for money.
1). The music group asked fans for money
through crowdfunding because they
needed funds to make an album. They
offered their fans the opportunity to
contribute money with the promise of
receiving some of the profits later on. This
approach allowed the band to gather
financial support from a large number of
people who were interested in their music.
2). Hans Fex asked for money through
crowdfunding for his Mini Museum. He
creates tiny 'museums' that people can put
in their pockets, featuring items like rock
from the moon and pieces of dinosaur egg.
By asking for funds through crowdfunding,
he was able to gather financial support
from 5,030 people, raising $1.2 million to
fund his project.

c. Pakitandaan kung ano ang tinutukoy ng mga numerong ito sa artikulo.

1). $25: The minimum loan amount on
Kiva.com that borrowers can request.
2). 100: The maximum borrowing period
(days) mentioned in Text 1, where people
in Ninomiya Sontoku's village could
borrow money for up to 100 days.
3). £26,000: The amount the London music
group received from a thousand fans in
2007 through crowdfunding to make
their album.
4). $1.2 million: The amount Hans Fex raised from
5,030 people through crowdfunding for his
Mini Museum.
5). 8.81 million: The number of borrowers in
81,392 villages associated with Dr. Muhammad
Yunus's 'Village Bank' in 2015, as mentioned in
Text 2.
6). $1.02 billion: The total amount lent through
Kiva.com by 1.5 million lenders to 2.5 million
borrowers in 83 countries.
7. Sumulat ng isang email.

Subject: Heartfelt Gratitude for Your Support in our Charity Fundraising Efforts
Dear Amelya,
I hope this message finds you well. I am overwhelmed with gratitude as I write to express my sincere
thanks for your incredible support in our recent charity fundraising endeavor. Together, we have raised an
impressive $1,000 for Inheritance Charity.
Our success is a testament to the collective dedication and generosity of each one of you. Through a series
of collaborative efforts such as bake sales, a charity auction, and a community walk, we were able to
surpass our initial fundraising goal. It is heartening to see how our shared commitment to making a
positive impact has yielded such remarkable results.
The selected charity, Inheritance Charity, is devoted to give something positive can be inherited. The funds
we raised will directly contribute to our positive activities. Your contributions have not only helped us
achieve our financial target but have also contributed to a cause that will make a tangible difference in the
lives of those in need.
Once again, thank you for your unwavering support. Your involvement has been instrumental in the
success of this initiative, and I am truly grateful to have friends like you who share a passion for making a
positive impact in our community.
Warm regards,

Naomi