Know about yourself

Element Definition Example from Text Theme Main message or lesson Be yourself; self-acceptance Tone Author’s attitude toward the subject Encouraging, humorous Diction Word choice Weird, perfect, brave Denotation Literal meaning of a word Weird = unusual Connotation Emotional meaning of a word Weird = negative or unique Allusion Reference to another literary or cultural work Harry Potter, The Last Battle Genre Type of writing Letter Writer Author Letter writer to her teen self Title Name of the text Just Be Yourself Dear Teen Me, Psst! Hey! You in the corner of the library with your nose stuck in a book. Yes, you. Don’t recognize me without that awful perm, do you? (Remind me again why you thought that was a good idea?) Anyway, I hope you don’t mind if I sit with you for a minute, but we need to talk. Don’t worry about the “no talking in the library” rule. I’m sure we’ll be fine. Librarians aren’t as bad as they seem. Judging from the hair and braces I’d have to guess you’re in your junior year. Yes? Thought so. I’d forgotten how many lonely lunch hours you spent in the school library. You have some friends in the cafeteria that you could sit with, but you don’t feel like you really fit in, do you? That’s why you joined every school club you could. I just counted and you’re in eighteen, not to mention the numerous after-school activities you’re involved in. I mean honestly, you joined the ROTC.1 You don’t even like ROTC! And I won’t even bother bringing up that time you tried ballet. I’m still having nightmares about the fifth position! Let me ask you, how’s it all working out? Not very well, am I right? By spending so much time trying to find yourself, you’re slowly losing yourself. We don’t all have one single rock-star talent, and honestly, I think those of us who don’t are the lucky ones. Life isn’t about finding the one thing you’re good at and never doing anything else; it’s about exploring yourself and finding out who you really are on your own terms and in your own way. You don’t have to exhaust yourself to do that. Oh, don’t be so down in the dumps about it. You’ll eventually find something you’re good at, I promise. It’s a long, winding road to get there, but you’ll find it. Being able to spend all day doing what you love (or one of the things that you love) is the most amazing feeling in the world. And no, I won’t tell you what it is, so don’t even ask me. Just remember to always be yourself, because there’s nobody else who can do it for you. I think E. E. Cummings put it best when he said, “It takes courage to grow up and become who you really are.” Looks like the bell is about to ring so I’ll leave you to your book. What are you reading, anyway? Oh, The Last Battle by C. S. Lewis. I should have guessed. You should give those Harry Potter books a try. I saw you roll your eyes! I know they seem like just another fad, but trust me, they’re better than you think. They’ve got a real future! finding out who you really are on your own terms and in your own way. You don’t have to exhaust yourself to do that. Oh, don’t be so down in the dumps about it. You’ll eventually find something you’re good at, I promise. It’s a long, winding road to get there, but you’ll find it. Being able to spend all day doing what you love (or one of the things that you love) is the most amazing feeling in the world. And no, I won’t tell you what it is, so don’t even ask me. Just remember to always be yourself, because there’s nobody else who can do it for you. I think E. E. Cummings put it best when he said, “It takes courage to grow up and become who you really are.” Looks like the bell is about to ring so I’ll leave you to your book. What are you reading, anyway? Oh, The Last Battle by C. S. Lewis. I should have guessed. You should give those Harry Potter books a try. I saw you roll your eyes! I know they seem like just another fad, but trust me, they’re better than you think. They’ve got a real future! i need you to tell me how can i start this text and i need you to add these essential questions: What are some milestones on the path to gr owing up?, What makes an experience memorable? What makes it life changing? and then Denotation, Connotation, Allusions, Diction, Tone, Genre, Writer, Title, Theme in a table and i need u to add definitions for each one and extract examples from the text

All About Kites Introduction. A kite is one of the oldest toys. And it's very simple to make. Kites come in many sizes, shapes, and colors. Did you know that kites can be both toys and tools? History of Kites. Kites were named after the kite bird. The kite bird has wide wings and easily floats high in the sky. No one knows who made the first kite. But one famous Chinese story about a kite was written over 2,000 years ago. The story is about a man who used a kite to attack a fort. He couldn't find a way to get inside the fort. So he tied himself to a huge kite. He flew over the wall of the fort and scared the soldiers! The inventor Ben Franklin had the idea that lightning was made of electricity. He wanted to prove his idea. One day when it was stormy, he tied a metal key to a kite string. Then he flew the kite up into the storm clouds. Lightning from the storm hit his kite. The electricity ran down the wet string to the metal key. When he reached for the key, he got a surprise. The electricity jumped from the key and gave him a shock! Do not try this yourself. It's not safe to do. When Ben Franklin tried to do it again, he was hurt badly. Many Uses for Kites. Some people have used kites for fishing. They put a fishhook and bait on the long kite tail. The kite tail dragged in the water. When a fish saw it, it bit the bait and was caught on the hook. Then the kite was pulled in. Weather kites carried scientific gauges into the sky. The gauges measured how fast the wind was blowing and how cool the air was. Years ago, some armies used kites with cameras to spy on enemy troops. Kites were also used as flying targets. The kites trained soldiers to aim better. Soldiers shot at the kites. The moving kites were hard to hit with bullets. Different shapes of kites fly in different ways. Flat, diamond-shaped kites fly easily. Box-shaped kites can hang still in the air for a long time. Stunt kites twist and twirl on many strings. Large parafoil kites act almost like parachutes. Giant dragon kites flutter. Fighting kites can be used to cut other kites' strings. On a breezy day, take your kite to a flat, open area. Be sure that there are no power lines or big trees. Look at the ground around you. Is there anything you could trip over? Hold your kite up by the bridle and run into the wind. Let go of the kite and slowly let out some string. Then let out a little more until your kite is high in the sky. Happy flying!

Your Skin Do you know that your skin is the largest organ in your body? Home Economics and Livelihood Education 7 Seibo College 32 You need to clean and protect your skin from the different elements to maintain a clear and smooth looking skin, free from cuts and wounds. Ways of taking care of your skin: a. Eat nutritious food. b. Treat wounds and other skin disorder immediately. c. Take a bath using luffa. d. Apply skin softener. e. Have enough sleep. Your Hair Your hair is said to be your crowning glory. It gives your face an added beauty and radiant looks. So that, keeping your hair shinning through regular washing and combing will do wonders to your look. Suggested ways for keeping your hair glossy and healthy: a. Wash your hair regularly or as it becomes dirty. b. Comb or brush your hair everyday. c. Each time you wash your hair, clean your comb as well. d. You may use soapy water or shampoo. e. For a softer hair, you may use a conditioner. Your Teeth and Gums Home Economics and Livelihood Education 7 Seibo College 33 Caring for your teeth and gums are equally important as well. Never neglect your teeth, otherwise you will not be able to give your close-up smile. Remember the following in caring for your teeth and gums: a. Brush your teeth after each meal. b. Rinse your mouth with water after eating between meals. c. Use dental floss to remove food particles between the teeth. d. Visit your dentist at least twice a year for tooth examination. e. Eat foods rich in vitamins and minerals. Your Hands and Feet One of the most useful part of the body is your hand, which manages all your tasks together with your feet, which support the entire body. Ways on taking care of your hands and feet: a. Always keep your hands clean. b. Wash your hands before and after eating. c. Wash your feet before going to sleep. d. If your feet easily perspire, soak them in warm salty water for about 15 minutes daily. e. Dry with a clean towel. Dust with powder. Home Economics and Livelihood Education 7 Seibo College 34 If you have any questions, you can go to your learning facilitator, but if everything is clear to you, proceed to the next activities. Your Nails: a. Clean your finger nails with soapy water. b. Keep your nails short. c. Use a nail cutter to trim them. d. In trimming , follow the curve of your nails. e. Use a nail file to keep the edges smooth. My dear learners, you are now well informed with the different ways of keeping yourself clean and healthy. You are old enough to be responsible in keeping yourself neat and clean. Therefore, keep these in mind; your personal cleanliness is your primary duty to

5.1 Personal data Personal data is any data that relates to you and your identity. This includes data such as: •Name •Address •Telephone number •Email address •Bank details •Medical records •Salary •Political opinions You should be very careful about revealing any of your personal data! By revealing personal data to another, especially online, you are exposing yourself to dangers such as identity theft, fraud, bullying and blackmail. These types of dangers can be issues that arise as a result of revealing more personal thoughts and feelings to those that can use them against you. It is a more sinister viewpoint to take, but the moment you reveal any personal data to another, you are providing them with the potential to harm you or your identity. This isn't to say you should never speak to another, especially those unknown online, just understand how to recognise a danger and how to keep your identity secure. To keep yourself safe in your daily life, you are likely to have been taught to take measures such as locking doors, not talking to strangers and not venturing into unsafe areas. However, when many people go online, they relax their safety measures, perhaps because they are in the comfort of their own home, so do not think anything negative will happen. Many people that use the internet are genuine, but knowing how to detect the few that aren't is important. There are several guidelines for you to be aware of to keep your personal data confidential: •Have strong passwords set on any account that holds personal data. Stronger passwords include characters, numbers and symbols and are not a recognisable word. •Encrypt (scramble text so that it cannot be read without a decryption key) any personal data that you store on your computer. •Have a firewall present, scanning incoming and outgoing data from your computer system. •Regularly scan your computer with preventative software, such as an anti-virus package, that is used to identify a virus on a computer and remove it. •Make use of any biometric devices (devices that measures a person's biological data, such as thumbprints), that are built into technology. •Only visit and provide data to websites that are a trusted source. •Do not open any email attachments from a sender you do not recognise. •Check the URL attached to any link requesting data to see if it is genuine. •Be cautious about any pictures or opinions that you post or send to people. •Remove data about your location that is normally attached to your photos and videos that you may post, such as geotags. •Do not become friends on social networking sites with people you do not know. •Set all the privacy controls to the most secure setting that are available on social media accounts. •Report and block any suspicious user. •Use a nickname or pseudonym when using the internet for entertainment, for example, playing games. •If it is possible, use a virtual private network (VPN), an encrypted connection that can be used to send data more securely across a network. The ways in which some of these guidelines can be used in more detail will be explored throughout this chapter.

Chapter One: Management Today The challenges of working in the new economy recognize: 1.1 Working Today Talent Talented people- What they know, what they learn and what they can achive The source of organisational performance Develop skills and improve What is intellectual capital The combined brain power and shared knowledge of an organization's employees TO orginzations: Intellectual capital resents a strategic asset as human creativity, insight and decision making can be converted into superior performance To individuals: Intellectual capital is a personal asset, one to be nurtured and continually updated Things evolve, make sure we keep updated Intellectual capital: The package on intellect skills and capabilities that set us apart making us valable to potential employers Maintaining your talent: There is no escaping the fact that your career success will require a lot of initiative, self awareness and continuous learning Technology Tech is in our everyday lives Latest developments Smart phone, smart apparel, smart cars, smart homes We struggle to keep up with social media ana staying connected with messaging, full of email and voicemail What happenings as younger workers advance into management Flexibility Work ethic It is critical to build and maintain a high Tech IQ! What is Tech IQ: The ability to use current technologies at work and in your personal life, combined with the commitment to keep yourself updated as technology continues to evolve Intellectual capi5la is a combination of: Commitment x Competency = Intellectual capital How to make the world a better place Globalisation The worldwide interdependence of resources flows, product markets and business competition Under the influence, government leaders worry and about the competitiveness of nations just as corporate leaders worry about business competitiveness Emerging markets will power global growth over the next 20 years. By 2025 overall global consumption is forecast to reach $62 trillion, twice its 2013 level and fully half of this increase will come from the emerging world Consequence: Going to fast in uses resources, inflation, corporate greed It's cheaper to have things made in different countries (wages are low and going down) Shamrock organization 1 leaf - full time employees- standard career paths 2 leaf - “freelancers” 3 leaf - Part times without benefits (first to lose their jobs when employers face economic difficulties) The rising of emerging markets Now account for 60% of all low and medium technology manufacturing worldwide Total value add in high tech manufacturing from a low 26% in the 1970s to 48% at present China strategy to upgrade its industries and move the manufacturing value ching by prioritising 10 sectors Information technology, robotic, aerospace, maritime equipment, modern railway equipment, alternative energy vehicles, power equipment, agriculture equipment, advanced materials, biopharma and medical products Ethics A code of moral principa;s that sets standards for conduct that is “good” and “right” as well as “bad” and “wrong” Enron company huge corruption even in elections same thing happened with The Mechanism 1.2 - Organizations Organizational Purpose An orgnizations is a collection of people working together to achieve a common purpose Unique social phenomenon that enables its members to perform tasks far beyond the reach of individual accomplishment (synergy) The broad purpose of any orginzation is to provide goods or services of value to customers and clients A clear sense of purpose tied to: Quality of products and services Customer satisfaction Social responsibility Can be an important source of organisational strength and performance advantage All organisations are open systems (Systems that interact with its environment for renewal and growth) Organizations as systems All organizations are open systems that interact with their environment Continual process of obtaining resource inputs-people, information, resources and capital- and transforming them into outputs in the form of finished goods and services for customers One simple way to assess the impact of any organisation is to ask the question: How is the world different because it existed Value Creation: Organisations create value when they use resources well to produce good products and take care of their customers One simple way to assess the impact of any organization is to ask the questions: How is the world different because it existed? The 3 Ps of organizational performance Profit - is the decision economically sound? People - Does the decision treat people with respect and dignity? Planet - Is the decision good for the environment? Productivity: An overall measure of the quantity and quality of work performance with recourse utilisation taken into account Performance effectiveness: An output measure of task or goal accomplishment Performance efficiency: An input measure of the resource costs associated with goal accomplishment. Workplace changes that impact management Focus on valuing human capital Demise of “Command and control” Emphasis on teamwork Pre-eminence of technology New workforce expectations Importance of networking Concern for sustainability 1.3 Managers Importance of human resources and manger People are not ‘costs to be controlled’ High performing organizations treat people as valuable strategic assets Three takeaways 1. Give leaders broad authority 2. Encourage them to think like CEO 3. Challenge strong performers ealy with big opportunities Direct support, supervise and help activate the work efforts of others The people who managers help are the ones whose contributions represent the real work of the organisation Types of managers Line managers are responsible for work activities that directly affect organization’s output Staff managers use technical expertise to advise and support the efforts of line workers Functional managers are responsible for a single area of activity Quality of work life (QWL) An indicator of the overall quality of human experiences in the workplace QWL Indicators Respect Fair pay Safe working conditions Opportunities to learn and use new skills Room to grow and progress in a career Protection of individuals rights The organization as an upside-down pyramid A manager’s job is to support worker’s efforts The best managers are known for helping and supporting Customers at the top served by worker who are supported by managers 1.4 The management Process Managers achieve high performance for their organizations by best utilizing its humans and material resources Management is the process of planning, organizing, leading and controlling the use of resources to accomplish performance goals All managers are responsible for the four functions The functions are carried on continually Characteristics of managerial work Long hours Intense pace Fragmented and varied tasks Many communication media Filled with interpersonal relationships Managerial agendas and networks Agenda setting Develops action priorities for accomplishing goals and plans Networking Process of building and maintaining positive relationships with people who can help advance agendas Social Capital Capacity to attract support and help from others Learning The change in a behaviour that results from experience Lifelong learning The process of continuously learning from daily experiences and opportunities

The challenges of working in the new economy recognize: 1.1 Working Today Talent Talented people- What they know, what they learn and what they can achive The source of organisational performance Develop skills and improve What is intellectual capital The combined brain power and shared knowledge of an organization's employees TO orginzations: Intellectual capital resents a strategic asset as human creativity, insight and decision making can be converted into superior performance To individuals: Intellectual capital is a personal asset, one to be nurtured and continually updated Things evolve, make sure we keep updated Intellectual capital: The package on intellect skills and capabilities that set us apart making us valable to potential employers Maintaining your talent: There is no escaping the fact that your career success will require a lot of initiative, self awareness and continuous learning Technology Tech is in our everyday lives Latest developments Smart phone, smart apparel, smart cars, smart homes We struggle to keep up with social media ana staying connected with messaging, full of email and voicemail What happenings as younger workers advance into management Flexibility Work ethic It is critical to build and maintain a high Tech IQ! What is Tech IQ: The ability to use current technologies at work and in your personal life, combined with the commitment to keep yourself updated as technology continues to evolve Intellectual capi5la is a combination of: Commitment x Competency = Intellectual capital How to make the world a better place Globalisation The worldwide interdependence of resources flows, product markets and business competition Under the influence, government leaders worry and about the competitiveness of nations just as corporate leaders worry about business competitiveness Emerging markets will power global growth over the next 20 years. By 2025 overall global consumption is forecast to reach $62 trillion, twice its 2013 level and fully half of this increase will come from the emerging world Consequence: Going to fast in uses resources, inflation, corporate greed It's cheaper to have things made in different countries (wages are low and going down) Shamrock organization 1 leaf - full time employees- standard career paths 2 leaf - “freelancers” 3 leaf - Part times without benefits (first to lose their jobs when employers face economic difficulties) The rising of emerging markets Now account for 60% of all low and medium technology manufacturing worldwide Total value add in high tech manufacturing from a low 26% in the 1970s to 48% at present China strategy to upgrade its industries and move the manufacturing value ching by prioritising 10 sectors Information technology, robotic, aerospace, maritime equipment, modern railway equipment, alternative energy vehicles, power equipment, agriculture equipment, advanced materials, biopharma and medical products Ethics A code of moral principa;s that sets standards for conduct that is “good” and “right” as well as “bad” and “wrong” Enron company huge corruption even in elections same thing happened with The Mechanism 1.2 - Organizations Organizational Purpose An orgnizations is a collection of people working together to achieve a common purpose Unique social phenomenon that enables its members to perform tasks far beyond the reach of individual accomplishment (synergy) The broad purpose of any orginzation is to provide goods or services of value to customers and clients A clear sense of purpose tied to: Quality of products and services Customer satisfaction Social responsibility Can be an important source of organisational strength and performance advantage All organisations are open systems (Systems that interact with its environment for renewal and growth) Organizations as systems All organizations are open systems that interact with their environment Continual process of obtaining resource inputs-people, information, resources and capital- and transforming them into outputs in the form of finished goods and services for customers One simple way to assess the impact of any organisation is to ask the question: How is the world different because it existed Michal Porter - Value Chain Value Creation: Organisations create value when they use resources well to produce good products and take care of their customers One simple way to assess the impact of any organization is to ask the questions: How is the world different because it existed? Triple Bottom Line The 3 Ps of organizational performance Profit - is the decision economically sound? People - Does the decision treat people with respect and dignity? Planet - Is the decision good for the environment? Organizational Performance Productivity: An overall measure of the quantity and quality of work performance with recourse utilisation taken into account Performance effectiveness: An output measure of task or goal accomplishment Performance efficiency: An input measure of the resource costs associated with goal accomplishment. Workplace changes that impact management Focus on valuing human capital Demise of “Command and control” Emphasis on teamwork Pre-eminence of technology New workforce expectations Importance of networking Concern for sustainability 1.3 Managers Importance of human resources and manger People are not ‘costs to be controlled’ High performing organizations treat people as valuable strategic assets Three takeaways 1. Give leaders broad authority 2. Encourage them to think like CEO 3. Challenge strong performers easily with big opportunities Direct support, supervise and help activate the work efforts of others The people who managers help are the ones whose contributions represent the real work of the organisation Levels of management Types of managers Line managers are responsible for work activities that directly affect organization’s output Staff managers use technical expertise to advise and support the efforts of line workers Functional managers are responsible for a single area of activity Quality of work life (QWL) An indicator of the overall quality of human experiences in the workplace QWL Indicators Respect Fair pay Safe working conditions Opportunities to learn and use new skills Room to grow and progress in a career Protection of individuals rights The organization as an upside-down pyramid A manager’s job is to support worker’s efforts The best managers are known for helping and supporting Customers at the top served by worker who are supported by managers 1.4 The management Process Managers achieve high performance for their organizations by best utilizing its humans and material resources Management is the process of planning, organizing, leading and controlling the use of resources to accomplish performance goals All managers are responsible for the four functions The functions are carried on continually Four functions: Planning,organizing, leading and controlling Mintzberg’s 10 Managerial Roles Characteristics of managerial work Long hours Intense pace Fragmented and varied tasks Many communication media Filled with interpersonal relationships Managerial agendas and networks Agenda setting Develops action priorities for accomplishing goals and plans Networking Process of building and maintaining positive relationships with people who can help advance agendas Social Capital Capacity to attract support and help from others Learning The change in a behaviour that results from experience Lifelong learning The process of continuously learning from daily experiences and opportunities Katz’ Essential Managerial Skills

The story of The Resurrection of Jesus is very amazing. Resurrection: meaning Jesus rising from the dead. Jesus is alive again. Jesus proved to the people that He is the “Son of God”. Would you like to know the amazing story? Let’s read on! Jesus is Alive! After Jesus died a man named Joseph from Arimathea put Jesus in His tomb. Before Joseph left, he and some men rolled a large heavy stone in front of the tomb. Mary and Mary Magdalene made spices and oils as a sign of respect to Jesus, and went very early to the tomb on the third day to go see Jesus' body. As they were just about at the tomb the earth suddenly shook and an angel came down from heaven. He easily rolled away the stone at the entrance of the tomb and sat on top of it. The women looked at each other and rubbed their eyes, they couldn't believe what they had seen. The angel was so bright, almost as bright as lightning. His clothes were as white as snow. There had been guards watching the tomb so no one would steal Jesus' body. When they saw the angel they fell over and they couldn't move or speak because they were so afraid. Christian Living Education 2 SEIBO COLLEGE 5 Then the angel said to the women, "Do not be afraid. I know you are looking for Jesus who has died. But He isn't here; He has risen just as He said He would! Come and see for yourself, the tomb is empty." The women were confused. How could this happen? They were sure Jesus had died, and now He was alive? They looked in the tomb and the cloths Jesus was wrapped in were lying on the ground, and the tomb was empty. Then the angel spoke again, "If you want to find Jesus He's on his way to Galilee." So the women hurried away. They had been so sad that Jesus was dead and now they were so excited He was alive! They just knew they had to find Jesus, and they had to tell the disciples the good news. As they were running down the path they turned a corner, and there was Jesus. "Greetings," He said. The ladies fell at His feet and worshiped him. Then Jesus said to them, "Do not be afraid. Go and tell my disciples to come to Galilee, which is where they will see me." The disciples came to Galilee, and had heard by this time that Jesus was alive. They were sitting around talking about it, when Jesus walked into the room and said to them, "Peace be with you." The disciples immediately stopped talking. Even though they had heard Christian Living Education 2 SEIBO COLLEGE 6 He was alive, they were shocked to see Him standing there with them. Jesus said to them, "Why do you look at me like you've just seen a ghost? Why don't you believe what you're seeing? Look at the scars in my hands and feet. It is really me! Touch me and see, I am not a ghost but a real person." The disciples’ mouths were open in amazement because they still didn't know what to think. They were so full of joy, and yet it was so impossible. Jesus understood what they were thinking, so He said, "This is what I told you would happen, that everything must happen that has already been written in the Bible." Then Jesus told them, "You have seen these things that have happened, so stay in the city and soon I am going to give you what God has promised you, the Holy Spirit. Jesus had one more person to see. His name was Thomas, and he was one of the disciples that weren’t there when Jesus met with them. Thomas had also heard that Jesus was alive, but would not believe until he saw Jesus with his own eyes. A week later when Thomas finally saw Jesus, Jesus said to him, "Put your finger here; see my hands. Stop doubting and believe." But Jesus continued, "Because you have seen me, you have believed; but it is more amazing for those who don't see me, and believe anyway." Christian Living Education 2 SEIBO COLLEGE 7 Jesus is actually talking to us when He said this. If you believe in Him, without seeing Him He thinks you're very special! That is exactly what faith is, believing in God even though you can't see Him. When we become Christians Jesus automatically gives us the Holy Spirit to live inside of us. The Holy Spirit makes us know when we have done something wrong. We might feel sick to our stomach, or just get a bad feeling, that is the Holy Spirit reminding us that we are doing something wrong, or that we need to stop and say sorry and ask for forgiveness for what we've done. Do you know what we celebrate during Easter Sunday? We celebrate the rising of Jesus from the dead. We celebrate because Jesus shared His new life with us. Through His rising from the dead, we are saved. We also have new life. What do you think we should do with our new life? How can we thank Jesus for sharing His new life with us? Of course, we should do good deeds. When we say good deeds, it is anything that we do that is good. It doesn’t matter how big or small as long as it is good. It would make Jesus very happy if we stop our bad ways and change for the better

Write 5 multiple choice questions for the following transcript ...Setting goals and budgeting. [tranquil music] Getting where you want to be involves three important skills. Setting realistic goals, knowing your net worth, and budgeting. [energetic music] Setting goals is a way to get control of your life. A goal is not the same as a dream. It's not pie in the sky stuff. It's something that's achievable and it comes with a time frame. If you have a big goal, like buying a house in five years' time, you might need a plan that involves a whole series of mini goals to get you there in stages. The important is finding something you know you can do. Most people find longterm goals hard to stick to. Don't worry about it. If 10 years seems too far away, set your horizons a little closer. Give yourself a set sum of money to save in the next few years. You can use it as a springboard to get to your next goal and it'll get you in the savings habit. Changes in your life circumstances may also affect your goal, so use this opportunity to review them. Think about your financial goals when you have some quiet time. It may sound a little obsessive, but write down what they are and how you're going to achieve them. Be specific, be realistic, and always, always keep your goals within reach. Achieving a goal is a great excuse to celebrate, so don't forget to reward yourself for your achievement. [energetic music] Imagine if tomorrow you had to sell everything you own and pay off everything you owe the bank or anyone else, would you be left with much? Would you be left with anything? That figure is called your net worth. It's a measure of your actual financial wealth and growing it over time is what getting sorted is all about. Use Sorted's net work calculator to find out where you're at. Decide what you want your net worth to be in a year's time. Think about your cash and other assets and work out how you might get there. Monitoring and growing your net worth over time is the thing that will eventually get you to retirement in good shape. [energetic music] Budgeting is another one of those, I can't believe I didn't do something so basic, type of things. Do a budget. Stick to it and you're in control. There are two approaches to budgeting. The first is what we call cold turkey. Each time you get paid, you work out what you need to pay for all your essentials. Use Sorted's budget calculator to do this. You then take the rest and put it straight into savings. Going cold turkey on all those other things that you usually throw your money away on. Be realistic with your savings. Don't be too hard on yourself as it could take time for you to get into the saving habit. But if you remove the temptation to spend, you'll improve your financial position each month. If that seems a bit rigorous, try the alternative nip and tick approach. Do a budget using Sorted's budget calculator and then take a hard look at where your money's going. We're prepared to bet there's a nip here and a tuck there that will result in savings and every month you save, you increase your net worth. So go to it. ChatGPT What are the three important skills needed to achieve your financial goals? A) Budgeting, investing, and saving B) Setting realistic goals, knowing your net worth, and budgeting C) Planning, tracking, and monitoring How can you make a big goal more achievable? A) By dreaming about it often B) By breaking it down into a series of mini goals C) By setting a longer time frame What is net worth? A) The amount of money you have in savings B) The value of everything you own minus what you owe C) The amount of money you earn each year What are the two approaches to budgeting mentioned in the transcript? A) Cold turkey and warm turkey B) Nip and tuck and cold turkey C) Nip and tick and warm turkey How can you increase your net worth every month? A) By dreaming about your financial goals B) By sticking to a budget and removing the temptation to spend C) By investing in high-risk stocks

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