Deped celebrates 2010 Education Week

“Edukasyon, Tungo sa Tapat na Pagbabago at Pag-unlad,” is the theme of the 2010 Education Week Celebration of the Department of Education held Dec. 6- 10 nation wide.

According to DepEd Memo No. 491, s. 2010 released by the central office last Friday, the celebration aims to reaffirm and emphasize the role of education in empowering and developing the young to become productive citizens of the country and responsive to the needs of the times; strengthen cooperation among stakeholders in education to support the necessary and significant changes to achieve quality and relevant education and inspire every educator to do more for the schoolchildren to ensure their future.

All school officials are encouraged to conduct simple and austere programs and activities consistent with the theme and objectives of this year’s celebration during the week while regional directors and schools division superintendent are enjoined to take active lead in it.

Part of the suggested activities are simultaneous flag raising and inspirational talk of highest official present, putting-up of bazaars or tiangge, seminar, training workshops, team building for teachers and students, exhibits of outstanding achievements, academic and co-curricular contests, tree planting, tree growing and tree-caring activity, run for education funds collected will help in renovating school buildings destroyed by typhoons, Brigada Eskwela Plus, Balik Paaralan (The Supreme Student Governments and School Pupil Governments officers will serve as teachers to out-of-school youth, street children,  and others.  They may give books, papers, pencils, pens and other school materials) and Pasko Na! (Schools and Offices will conduct a pre-Christmas activity like gift-giving.  Beneficiaries should come from poor communities, orphanages and others.

Any of the said activities however are not suppose to disrupt classes so necessary arrangement should be made, DepEd emphasized in its memo.

SALN Preparation: Basis of Knowing How Financially Healthy or Un-healthy We Are (Being Truly Rich: Third Part in a Series)

Ni:  Gilbert M. Forbes
DepEd QUEZON, CALABARZON 

Sa ikalawang serye, nalaman natin na na ang kayamanan o paglaya sa kakapusan ay ang pagkakaroon ng salapi na pangtustos sa oras ng ating pangangailangan. Ang ating pangangailangan sa araw-araw ang magtatakda kung ano ang sapat na kayamanang akma para sa atin. Ang ating pangangailangan sa araw araw ay dapat iakma sa ating kakayahan. Dapat tayongmamuhay kung ano lamang ang ating kaya.  Ito ang tinatawag na simpleng pamumuhay na maituturing na malayo sa masyado ng materyalistikong uri ng pamumuhay ngayon.

Pero pano tayo magsisimula.  Nasaan na nga ba tayo kung ang paglaya sa kakapusan ang pag-uusapan?  Upang malaman natin kung nasaan na nga ba tayo financially ay kailangan nating malaman una-una ang ating net worth.   Ang net worth o kabuuang halaga ng ating pera at ari-arian minus lahat ng uri ng pagkakautang.  Ang net worth ay nakikita sa yearly Statement of Assets and Liabilities (SAL) na ating inihahanda.  Kaya mahalaga na maihanda ito ng tama kahit na ordinaryong tao lamang tayo at walang back ground ng accounting.

Lahat ng nagnanais lumaya sa kakapusan ay dapat na naghahanda nito.  Narito ang ilang bagay na dapat maunawaan sa paghahanda ng ating SAL.  Steps in the preparation of SAL.

1.  Alamin ang kabuuang halaga ng ari-arian sa pamamagitan ng paglilista at pagsasama-sama ng kabuuhang halaga ng lahat ng ito na maaaring kapaluuban ng sumusunod:

• Raal Properties like House and lot, land, residential lots, agricultural lands, buildings, and the like either mortgaged or fully paid
• Personal properties e.g. car, jewelries, books, clothes, CD/VCD/DVD collections, toys, antiques, home appliances and utensils, cell phones, computer either desktop, laptop or net book, home furnishings, etc.
• Bank savings accounts and time deposits 
• Private and government insurances and pre-need plans cash surrender values
• Stocks, equity or share capital in cooperatives, corporations, or partnerships
• Mutual Fund like PAG-IBIG and MATMAS, total contributions or equity paid.  Pangkalahatang share sa nabanggit na mga mutual aide systems.
• Trust funds like that of GSIS and SSS pension fund, private pension or retirement funds.
• Money Market placements e.g., shares of stocks in the stock market, mutual investment funds, etc.  Ito ang mga perang naka-invest saping puhunan sa malalaking korporasyon bilang isang stocks holder na maaaring tulad ng MERALCO, PLDT, ABS-CBN, SAN MIGUEL atbp.
• Receivables, advance deposits or payments on leases, royalties.  Mga perang tatanggapin pa lamang bilang kabayaran sa mga pautang, mga paupahan, at iba pa

2. Alamin ang kabuuang halaga ng lahat ng pagkakautang na maaaring kapaluuban ng sumusunod:

• Personal Loans.  Ito ay kinapapalooban ng pagkakautang sa iba’t-ibang tao, ahensya at iba pa maliban sa mga bangko, credit cards, GSIS, SSS, at PAG-IBIG
• GSIS, SSS and PAG-IBIG loans
• Bank Loans
• Credit Card Payables
• Mortgage payables e.g., house and lot or car.  Tinutukoy nito ang kabuuhang natitira pang bayarin alinsunod sa haba ng panahon ng pagbabayad na napagkasunduan
• Policy Loans to different insurance and pre-need companies
• Remaining premiums payables of all insurances either life, accident, memorial, and others
• Remaining premiums of pre-need plans like term retirement plans, memorial plans, educational investment plan, health care plans, etc.

3. Matapos na makuwenta ang kabuuhang halaga ng mga ari-arian at mga pagkakautang o liabilities, ibawas ang liabilities sa assets.  Ang resulta negatibo man o positibo ay ang ating net worth.

Ang ating net worth ang magsisilbing batayan ng ating plano o naisin upang tuluyang makalaya sa kakapusan.  Makatutulong nang malaki kung babalikan ang mga salik na hindi nakatulong upang maiwasan at tuluyan na itong matigil samantalang maipagpatuloy naman at lalo pang mapabuti ang mga salik na nakatulong.

Ang paglaya sa kakapusan ang katuturan kung bakit tayo kumakayod bukod sa layuning matugunan ang ating mga pang-araw-araw na pangangailangan dahil kung hindi, ay ano pa ang maiututuring na kabuluhan ng ating pagsusumikap.

Maaari nyo ring basahin ang sumusunod:

Ang Tunay na Mayaman ((Being Truly Rich: First in A Series on Financial Literacy and Personal Finance)

Being Truly Rich: Gaining Financial Freedom (Paglaya sa Kakapusan) Second Part in a Series

Eight Steps to Get-out of Bankruptcy and Debt (Walong Paraan ng Paglaya sa Pagkakabaon sa Utang)

Seven Ways to Avoid Bad Debt (Pitong Paraan ng Pag-iwas sa Masamang Utang)

Sustaining Gained Grounds on the Way to Financial Freedom (Tuloy-tuloy Tungo sa Kalayaang Pinansyal)