my grades

I am so thankful to God because of my grades. I am very happy because He always hear my prayers.

business plan - Guide to Major Assumptions and Future Plan of Actions

Major Assumptions and Future Plan of Actions

Marketing Plan

Is there a plan to:

1. Add product line/s. Effective when?

2. Expand the target market

3. Increase/decrease of selling price

4. Change of location

5. Change the store design

6. Change of Channels of Distribution

7. Open the business for franchising

Technical Plan

Is there a plan to:

1. Change the operations design? Effective when?

• From manual to computerize
• From full processing to subcontracting of some parts of the process

2. Change the operating time or hours of operations? Effective when?

• From half-day to whole-day operations or vice versa
• From non-shifting to shifting of schedules

3. Increase/decrease capacity or schedule or output? Effective when?

Organization and Management Plan

1. If the group is currently not hiring any employee/staff/crew, when will the group start to hire its employee?

2. If there is no plan to hire

• What is the proposed compensation plan for the owner-employee?
• What will be the schedule? Whole day, half-day or shifting?

3. If employee will be hired, when, how many and what will be the proposed compensation package?

4. Is there a plan to change/transfer location? Effective when?

• Just for rental, or sharing of space, or owned

5. Is there a plan to invite additional investors?

Financial Plan

1. Is there a plan to infuse/add additional fund. When? How?

2. If currently selling o a cash basis only, is there a plan to sell on credit? When?

3. Will there be plan for major purchases or investments? When? How?

national service training program

This is my National Student Training Program (NSTP) t-shirt when I was first year college. There are two kinds of NSTP which are the civil welfare training service and the literacy training service. I took the literacy where we go to different barangays to teach children. It takes a lot of patience in it because there are many factors that affect the way of teaching them. We taught them how to write, draw, read and listen. We made games to make it easy for them to learn. We also gave donations to the chosen barangays and I feel so happy about doing it. NSTP classes in the University of the East are made on the Saturdays only. Sometimes we have to attend a Sunday class just to complete the required hours.

categories of ratios

There are four categories of ratios. The liquidity ratio, profitability ratio, activity ratio and the debt ratio. According to Lawrence Gitman, liquidity ratio is a firm’s ability to satisfy its short term obligations as they fall due. Activity ratios measure the speed with which various accounts are converted into sales or cash inflows or outflows. Profitability ratios enable analysts to evaluate the firm’s profits with respect to a given level of sales, a certain level of assets or the owners’ investment. Hmmm, that is all for today! I hope you learned from my articles.

financial analysis

I am reading about the financial analysis this afternoon because we will be having a recitation this coming Wednesday. Financial Analysis is an in depth review or study of the basic financial statements. It is connected with balance sheet that shows the position of the business and Income statement that shows the result of the operation. In financial analysis, the ratios are interpreted. These ratios are tools that are used in analyzing financial statement. There are two types of ratio comparison, the time series analysis and the cross sectional analysis. The time series analysis is the comparison of a single firm for two consecutive years while the cross sectional analysis is the comparison of two or more firms for financial ratios at the same point in time.

cash outflow statements

I am a Financial Management Student and I’m taking up Managerial Finance part 1 this semester. I would like to share my knowledge about my course. For now, I am trying to be particular with the sources and uses of cash. Cash inflows also called as sources of cash are the decrease in asset that can be the collection of accounts receivable and the selling of goods and inventories. There is also the increase in liability that can be the borrowings of money (notes payable), net profit, depreciation or prepayments, and the sale or issuance of stock. While, cash outflows also called as uses of cash are the increase in asset that can be the purchases of fixed asset, the decrease in liability, net loss, dividends payment and the retirement of stocks.

example of resume in Filipino

Iah Marie Centeno Evangelista

Mandaluyong City

532-41-95/09055984942

iahmarie@yahoo.com

NATAMONG EDUKASYON

Kolehiyo

Pamantasan ng Silangan Bachelor of Science in Business Administration

2219 C.M. Recto Ave. Manila Major in Financial Management

Taong Panuruan 2008-2012

Hayskul

Good Shepherd Christian School Taong Panuruan 2004-2008

71 I. Lopez St. Mandaluyong City

Elementarya

Good Shepherd Christian School Taong Panuruan 1999-2004

71 I. Lopez St. Mandaluyong City

EKSPIRYENSA SA TRABAHO

Bangko Sentral ng Pilipinas Nobyembre 2011-Abril 2012

Roxas Boulevard

Convergys July 2012-December 2012

72 Bonifacio, Ortigas

MGA NADALUHANG SEMINAR

Miyembro, BIORHYTHM, Pamantasan ng Silangan, Pebrero 26, 2009.

Miyembro, POWERUP, Pamantasan ng Silangan, Pebrero 18, 2009.

Miyembro, BUSINESS TALK: A DISCUSSION ON ECONOMICS TODAY, Pamantasan ng Silangan, Pebrero 18, 2009.

Miyembro, HOME PLANET, Pamantasan ng Silangan, Marso 15-20, 2008.

MGA SINALIHAG ORGANISASYON

Junior Finance Executives (JFINEX) Taong 2010-2012

Junior Confederation of Finance Taong 2010-2012

Associations-Philippines (JCFAP)

Junior Philippines Institute of Accountants (JPIA) Taong 2008-2010

Pamantasan ng SIlangan

Junior Philippines Institute of Accountants (JPIA) Taong 2008-2010

National Capital Region

KARAKTER REPERENS

Aimee Fernandez

Propesor, Pamantasan ng Silangan

09082347856

Dyann Lasala

CPA, MBT Brokerage

09237684563

Joel Temporal

Propesor, Pamantasan ng Maynila

09217862343

NATATANGING ABILIDAD

Marunong gumamit ng iba-ibang besiyon ng Microsoft Word, Microsoft Powerpoint, Microsoft Exel at Visual Basic. Sanay sa pagiging Stock broker o Trading Participant sa Philippine Stock Exchange. Marunong mag Kompyut ng Capital Gains at iba pang trabaho ng Financial Analyst.

PERSONAL NA IMPORMASYON

Edad : 21 yrs. old

Kasarian : Female

Kapanganakan : February 18, 1992

Nasyonalidad : Filipino

Timbang : 5’1

Taas : 110 lbs

Sibil Istatus : Single

Relihiyon : Romanong Katoliko

Nasasalitang Dayalekto : Pilipino at Ingles

Ang lahat ng nabanggit sa taas ay totoo at tama.

relating arrow to research

An arrow represents direction and ambition. Drawn aggressively, they represent a desire for action. Drawn in careful outline, they indicate a desire for progression or advancement, especially if pointing upwards. Arrows traditionally have masculine associations. Drawn with a heart, it becomes cupid's arrow. While Research can be defined as the search for knowledge, or as any systematic investigation, with an open mind, to establish novel facts, usually using a scientific method. The primary purpose for research is discovering, interpreting, and the development of methods and systems for the advancement of human knowledge on a wide variety of scientific matters of our world and the universe.

An arrow can be a symbol for doing a research because relating the two will come up with good results. It goes when doing a research, we need to do it systematically or chronologically to come up with good results but doing it without direction will not come up to good answers and results. A research needs a direction, which represents the arrow, in able to be effective and efficient. Generally, research is understood to follow a certain structural process. Though step order may vary depending on the subject matter and researcher.

There are many kinds of arrows but almost all of it represents direction. It symbolizes many things and people may view according to their own interpretation. There are many kinds of people with different interpretation about it. It is up to them how they will interpret and understand it. For me, arrow symbolizes a path and direction with a systematic process. Whatever decision we made will always affect the things or situation that is coming next. If we start it the right way then it may come well. Life is a matter of choice because it goes systematically.

factors of production

These are what I learned from my Economics (land reform and Taxation)

Factors of production

1.land –refers to the gifts of nature or the natural resources
2.labor – refers to the man power or the exertion of human effort to acquire an income
3.capital – refers to produced goods which will be used to produce other goods

Is money a capital?

NO! Money is an instrument used to acquire land, labor and capital to produce goods.

4.entrepreneur - is the one who combines land labor and capital to produce goods for profit

grades

Here are my grades last semester (3^rd year 1^st sem).

Technical Writing 1.25

Business Math 1.25

Human Resource Management 1.5

Microeconomics 2

Law on Obligations and Contracts 2.25

Investment Principles 1.5

Life and Works of Rizal 1.25

Pagbasa at Pagsulat 1.5

Thank You God! I Love You!

filipino defense

The defense on that Filipino thesis is quite stressful also. Our topic is about the effects of E-learning in the Business Administration in UE. We sat in front facing the professor in the middle of the room. We are corporately dressed with our name tags. She browsed the rough draft of our thesis and we can see her marking and editing our thesis. We have to revise it and then after thirty minutes, the defense started. I was expecting that I would be the last one to be called. So sad that some of my group mates didn’t answer so well. If only I could help them. My question is very easy because I worked on that chapter and fortunately she get the question from my work. I felt a little better after the defense.

AM BACK

I’m back! The first semester is over and I’m so sad that I didn’t visit my blog in the past few weeks because I am so so so busy with the completion of the requirements. I was working on my Filipino thesis since I’m the leader of our group, I need to check and edit so many things. It is really hard for me to work with them. Some of my group mates are responsible but some are naggers. i will never accept any leader position anymore. it was so stressful that I have to sacrifice a lot. My professor is a perfectionist that’s why it’s really hard. She likes it perfectly done. It was a pure tagalog thesis and we have to search for 15 studies and 15 literature. Gawd!

finance

The result in my Financial Management exam is good. I got 43/50 which is equivalent to 93%. I got 80% in the exam in filipino and my midterm grade is 92% or 1.5. I got 100% in history exam also because of the plus grades. Finals na and I have to keep my grades up because only 1/3 of my midterm grades could help and 2/3 will be based on my performance in the finals. I am so pressured because I want high grades this semester.

business law

The result in my business law exam is okay. I never expect that I would get high grades in this subject. Law professors are hard to please and they give low grades like my former professor in Political Science, who gave me 2.25 even I got two 100 in her recitation and 93 in her final exam. We discovered that the highest grade that she gave is two. Law professors are difficult to please (urgghhh). They ruin my transcript of records. Going back to my grade in BL, I got 2.5 in the prelim and 2.75 in the midterms! I always read the book but then taking her exam is like taking a Bar exam! I am not fond to law professors.

business math

The result of my exam in business math is unexpected! I got 96/100 (=D). I thought my score will only in the range of 70-80. The funny thing is I copied two of my answers to Aaron and when we compared the paper, he got 5/1o on both the same number I copied and I got 8/10 (hahaha). If you’ll compare our answers, it was exactly the same! No more no less (hahaha). He only got 64/100 only because he didn’t copy all my answers. He only copied two to three because nakakahiya naman daw!

after the exams

One of the greatest feeling when you are in college is after the exam because there will be no discussions and lectures, some professors will just let you rest but then some will give the result of the exam and that’s my topic for now. I got 77/85 in English and I am very satisfied because the highest is 80/85. The result in my HRM exam is not satisfactory. I got 39/50 that is equivalent to 89% and the questions that are equivalent to three quizzes turned out to be just what I expected. It was not good and I don’t want to talk about it. Anyway, my Microeconomics exam is excellent! I got 50/50 and I was the only one able to perfect it. I was glad but then the negative effect is that my professor knows me na and I think that she will always call me in the recitation (haiizzt).

continuation

Continuation of my Monday struggles.

The third exam is the Microeconomics. I didn’t study in this subject because there is James on my left side and Joseph on my right side. They are quite good. It was a team work. I copied their computation and I was in charged of the identification part and wollah! So chicken nuggets! The fourth exam is the business mathematics. There are ten problems which are ten points each and I was not satisfied with some of my answers. then then the fifth exam is my major financial management. I already know the answers last Friday because of the you know “the L thing”( all college students practice this way of having high grades).

five exams on a monday

My Monday turned out to be so quiet but full of doubts and questions about my Exams. My first exam is English that I thought would be easy for me to answer but I’m so wrong because of that Test II which we have to identify the ungrammaticality or if there is something wrong with the subject, verb and pronoun then we changed it to make it correct. It was so nakaka-bobo because I couldn’t find any (hehehe). The second exam is the human resource management. The exam is kind of easy but there are terms that I forgot. I was just worrying about the quiz that is incorporated in the exam. We are asked to define three words that are five points each and it is equivalent to three quizzes because we don’t have any quizzes in the subject. I’ll just continue my Monday story in the next article.

midterms in FI and HI

My exam in Filipino is irritating. We are given a title of a thesis and w have to create a paglalahad ng suliranin thing. It was not easy because she is a perfectionis professor and I know that she will not be satisfied with my answer so I’m expecting a low grade this midterm. Another exam is the history. It was easy and I enjoyed it because it was full of the characters of Noli me tangere and El filibusterismo, I’m expecting to have five to six mistakes and that’s okay because it is still high.

simple question

I was called in the recitation in history today. I am not satisfied with my answer because that bwisit na professor ask about what did the sepulturero( a man that cleans the cemetery or it someone in the cemetery) said to Ibarra that will point out that Padre Damaso is the one who commanded that the body of Don Rafael(father of Ibarra should be buried in a Chinese cemetery). I was so irritated about the question. I forgotten about it because it was taught when I was in third year high school and it was too specific question. I really want to slap her that time. The questions of my other classmates were too easy like who is Sisa? Describe the character blah blah blah. I hate her so much!