Foundation for Liberal and Management Education

http://www.flame.edu.in/center-for-organizational-growth-and-excellence
neeta.sharma@flame.edu.in, dilip.thosar@flame.edu.in +91-8605002528 (only office hours please)
Gat No. 1270, Taluka Mulshi, Village Lavale, Vadzai, Dist. Pune - 411042, India

You must control Money, like emotions, to keep your life on the right track~N.Munson You must control Money, like emotions, to keep your life on the right track~N.Munson You must control Money, like emotions, to keep your life on the right track~N.Munson You must control Money, like emotions, to keep your life on the right track~N.Munson
" "" "Money is hard to earn Money is hard to earn Money is hard to earn Money is hard to earn and easy to lose. Guard yours wi and easy to lose. Guard yours wi and easy to lose. Guard yours wi and easy to lose. Guard yours with care" th care" th care" th care"~Brian Tracy ~Brian Tracy ~Brian Tracy ~Brian Tracy
"The mint makes it first, it is up to you to "The mint makes it first, it is up to you to "The mint makes it first, it is up to you to "The mint makes it first, it is up to you to make it last make it last make it last make it last" ~ Evan Esar " ~ Evan Esar " ~ Evan Esar " ~ Evan Esar
"Lack of money is the root of all evil." ~ George Bernard Shaw "Lack of money is the root of all evil." ~ George Bernard Shaw "Lack of money is the root of all evil." ~ George Bernard Shaw "Lack of money is the root of all evil." ~ George Bernard Shaw
Workshop on
Managing Your Personal Finance

It is tough enough to earn money. It is tougher to manage
your earnings. You know that.

As a young professional, you would like to manage your
hard-earned wealth well. Plan out your investments and
expenses. To make your money fulfil your needs and
aspirations over your lifetime. To ensure that cash will be
available just in time for big-ticket expenses for desirable
activities like marriage, higher-education (own/children's) or
own-house purchase. To ensure all available funds are
invested for best returns. To ensure your desired lifestyle is
maintained after retirement, when there are no active
earnings. To be in control of your own finances.

Add to this the other financial "must-do": insurance. Just
how much insurance of what kind should you have so you
don't land up paying unaffordable premiums but are covered
sufficiently for losses. You also need to manage premium
payments in time, and ensure redemptions/cash-backs.

To enable you do all this, you need a clear view of your
existing and projected finances: investments and insurance.

This workshop provides you direction and practice for
precisely such a view.

Individual components of your portfolio have different terms
and timing of returns. You are into pre-scheduled
commitments of payments and receipts in the form of
investments and insurance. One needs to ensure that
committed receipts (like interest, dividends, redemptions,
money-backs on insurance, etc.) happen on time. One needs
to keep alert about pre-committed payments (like insurance
premiums) so you don't lose out due to penalties imposed.

The workshop enables you create and maintain the cash-flow
schedule for your entire life. You get a template to manage
your investment and insurance cash-flows. It gives you a
mechanism to track your pre-committed receipts and trigger
alarms for expected expenses.

NOTE
This workshop is not an investment or insurance advisory.
We will not discuss your investment choices nor recommend
or attempt to sell any.
Workshop primary audience
Working executives with 0-20 years of experience
Special Batch for Women executives
Focussing personal finance issues specific to women

Workshop Charge (plus taxes as applicable)
Batch of Individuals: Rs.5,000 per participant
Organization at site: Negotiable

Workshop Schedule
09:30 hours to 17:00 hours with breaks for lunch/tea
Next Individual Batch: 07June2014
Corporate Batch: Customized schedule

Workshop content
1. Active and Passive Incomes, Options of income
2. Insurance and Investments
3. Routine/ Capital income/expenses and transitions
4. Periodic income: redemptions, dividends, interest
5. Periodic expenses: premiums, instalments, tax
6. Special income and expenses
7. Life Cash-flow plan
8. Wealth log, updating and periodic reviewing
Please bring your laptops along for full practice.

Handouts
Soft-copy Templates: Cash-flow Projector, Wealth tracker.

Profile of Facilitator (Trainer)
Professor Dilip Thosar, an alumnus of IIT Kharagpur and
IIM Ahmedabad, is an Adjunct Faculty Member at FLAME.
He has over two decades of executive experience in the
Indian IT industry, a decade of entrepreneurship and over
half a decade in Management Coaching for students and
executives at entry and senior positions.

COGE@FLAME
The Centre for Organizational Growth and Excellence
(COGE) is an autonomous institution conceived by FLAME.
to help professionalize organizations and enable practising
managers across all levels to enhance their skills and vision,
update their knowledge and broaden their perspectives to set
global standards of excellence and human relatedness.

FLAME/COGE faculty are teachers, mentors, consultants,
entrepreneurs and researchers par-excellence with extensive
linkages with industry.