GROUP TWO PRESENTS:

DECIMALS
IN THE
BUSINESS101100011110101111110111100
10101001011110101011011010
10110110011001001110101011

WORLD 01000001100100101111110111
10101110010011101101000100
0100000001110010111011000
110101111110111100001010100
111101010110110100010110110
1001001110101011100100000
0010010111111011111110101110
001110110100010000100000
 TOPICS COVERED:
(IN RELATION TO DECIMALS HEHE)

- EVERYDAY TRANSACTIONS

- CURRENCY EXCHANGE

- TAX

- STOCK TRADING

- DEBIT AND PREPAID DEBIT

CARDS
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011
1011000111101011111101111000010101001

real life
011110101011011010001011011001100100
110101011100100000110010010111111011
11110101110010011101101000100001000
00001110010111011000111101011111101111
000010101001011110101011011010001011

problem
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011

#1
EVERYDAY TRANSACTIONS
MIND OVER MATTER
AIRLINES CHARGE
ALMOST $200 WHEN
YOUR SUITCASE
WEIGHS MORE THAN 50
POUNDS.

BIANCS' SUITCASE
WEIGHS 22 KILOGRAMS

QUESTION 1: DO YOU
OWE ADDITIONAL FEES
FOR AN OVERWEIGHT
SUITCASE?
SOLUTION
1 KILOGRAM = 2.2
POUNDS

BIANCS' SUITCASE
WEIGHS:

22 KILOGRAMS = ?
POUNDS

WHATS THE ANSWER?

ADDITIONAL STUFF
ADDITIONAL STUFF
WHY DO AIRLINES
CHARGE FOR
OVERWEIGHT
BAGGAGE AND
ADDITIONAL
BAGGAGE?

DO THESE FEES
IMPACT WHICH
AIRLINE YOU FLY?
LIFE LESSON # 1

LEARN TO LET GO

LEAVE BEHIND YOUR

EXTRA BAGGAGE!

IT MIGHT COME AT A
PRICE OR YOU'LL END
UP GETTING HURT ;(
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011
1011000111101011111101111000010101001

real life
011110101011011010001011011001100100
110101011100100000110010010111111011
11110101110010011101101000100001000
00001110010111011000111101011111101111
000010101001011110101011011010001011

problem
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011

#2
CURRENCY EXCHANGE RATE
DOLLARS AND EUROS
FRANCES, THE RICH
CHINESE THAT SHE IS,
HAPPENED TO HAVE
$5000 ON NEW YEAR'S
OF 2015. SHE DECIDED TO
CONVERT THIS INTO
EUROS THEN.

QUESTION: IF YOU
CONVERT THAT AMOUNT
OF EUROS BACK TO US
DOLLARS AT TODAY'S
EXCHANGE RATE, HOW
MUCH MONEY WOULD
YOU HAVE NOW?
 SOLUTION
G I V E N : 1ST STEP:

JANUARY 1, 2015 $ 5000 = € N

EXCHANGE RATE ( BASED ON JANUARY 1, 2015
EXCHANGE RATE OF )
$ 1 = € 0.82655
mu $ 1 = € 0.82655
JULY 3, 2019
EXCHANGE RATE

€ EUR = $ 1.13 2ND STEP:

€ N = $?

BASED ON JULY 3 2019'S

EXCHANGE RATE OF
€ 1 = $ 1.13
ADDITIONAL STUFF
ADDITIONAL STUFF
HOW DID THESE
AMOUNTS CHANGE
BASED ON THE DATE
OF THE
CONVERSION?

WHAT DOES THIS

TELL YOU ABOUT THE
STATE OF THE
ECONOMY IN THE
U.S. VERSUS THE
EUROPEAN UNION?
LESSON # 3
MAKE $$$ BY
CONVERTING
WISELY
if frances only studied
the currencies wisely
and looked into the
economic standpoint
of the countries, she
would have gained
profit from the
conversion instead of
her money losing
value.
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011
1011000111101011111101111000010101001

real life
011110101011011010001011011001100100
110101011100100000110010010111111011
11110101110010011101101000100001000
00001110010111011000111101011111101111
000010101001011110101011011010001011

problem
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011

#3
SALES TAX
GET READY FOR
YOUR NEW JOB
PHOEBE IS A NEW EMPLOYEE IN
ALBA COMPANY. SHE PREPARES
HERSELF BY BUYING OFFICE
SUPPLIES. SHE CHOSE THE MOST
EXPENSIVE PEN, BRIEFCASE, &
PORTFOLIO BECAUSE SHE'S HILAS.
SHE ALSO WANTS TO CALCULATE
THE SALES TAX OF HER PURCHASE
BECAUSE, AGAIN, SHES HILAS.

THEY COST :
PHP2,999.99 -- PEN
PHP 12,320.50 -- BRIEFCASE
PHP 585.99 -- PORTFOLIO
SALES TAX IS 6% INCLUSIVE

QUESTION: HOW MUCH WOULD YOU

PAY IN SALES TAX FOR THIS
PURCHASE?
 SOLUTION
1ST STEP:
mu 2999.99
12320.50
+ 585.99
------------
15,906.48
2ND STEP:

6% SALES TAX = 0.06

3RD STEP:
PHP 15906.48 X 0.06 =
PHP 954.3888
 ADDITIONAL STUFF
1ST STEP:
mu 2999.99
12320.50
+ 585.99
------------
15,906.48
2ND STEP:

6% SALES TAX = 0.06

3RD STEP:
PHP 15906.48 X 0.06 =
PHP 954.3888
LESSON#3

PSYCHOLOGICAL
PRICING
COMPANIES USUALLY SET
PRICES SLIGHTLY LOWER
THAN WHOLE NUMBERS
(LIKE 2999.99) IN THE
BELIEF THAT BUYERS
DISREGARD THE
NUMBERS AFTER THE
DECIMAL POINT

!MAKES PRODUCTS LOOK

CHEAPER THAN IT
ACTUALLY IS!
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011
1011000111101011111101111000010101001

real life
011110101011011010001011011001100100
110101011100100000110010010111111011
11110101110010011101101000100001000
00001110010111011000111101011111101111
000010101001011110101011011010001011

problem
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011

#4
ONLINE STOCK TRADING
ONLINE STOCK TRADING
BARBA IS A BEGINNER IN
STOCK TRADING. SHE'S
LOOKING FOR A
BEGINNER-FRIENDLY AND
CONVENIENT ONLINE
BROKER. SHE STUMBLED
UPON TWO COMPANIES,
OFFERING THE HIGHEST
AND LOWEST COST PER
ONLINE TRADE.

QUESTION # 1: WHAT IS
THE DIFFERENCE
BETWEEN THE HIGHEST
AND LOWEST COST PER
ONLINE TRADE
 SOLUTION
QUESTION # 1: WHAT IS
THE DIFFERENCE
BETWEEN THE HIGHEST
AND LOWEST COST PER
ONLINE TRADE?

GIVEN :
mu

LOWEST TRADE : $1
(BASED ON INTERACTIVE
BROKERS)

HIGHEST TRADE : $6.95

(FROM ETRADE)

SOLUTION : $6.95-$1=????
 ADDITIONAL STUFF
ADDITIONAL STUFF

SHOULD THE LOWEST

mu
TRADE PRICE BE THE
KEY DETERMINING
FACTOR IN CHOOSING
YOUR ONLINE
BROKER?
 ADDITIONAL STUFF
ADDITIONAL STUFF

ASSUME BARBA MADE

3 ONLINE TRADES PER
mu MONTH FOR A YEAR.
WHAT IS THE
DIFFERENCE IN TOTAL
YEARLY COST
BETWEEN THE
HIGHEST AND LOWEST
COST BROKER?
 SOLUTION
FOR THE LOWEST COST:

$1 X 3 = $3 (FOR A
MONTH)
$3 X 12 = $36 FOR A YEAR FOR THE HIGHEST COST:
mu
$6.95 X 3 = $20.85 (FOR A
MONTH)

$20.85 X 12 = $250.2 FOR

A YEAR
HIGHEST COST PER YEAR
- LOWEST COST PER
YEAR = ???

$250.2
-$36
----------
$214.2
LESSON#4

EVERY CENT COUNTS.

IMAGINE YOU BOUGHT 1
MILLION STOCKS AT THE
PRICE OF PHP 5.04 EACH . AN
HOUR LATER, THE PRICE OF
STOCKS BECAME PHP 5.24
EACH.

20 CENTS MIGHT NOT SEEM

LIKE A LOT, BUT MULTIPLY IT
BY A MILLION AND YOU'LL
GAIN A PROFIT OF P200,000
THANKS TO THAT INCREASE
OF P 0.20

VALUING EVERY CENT

=PROFIT!!
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011
1011000111101011111101111000010101001

real life
011110101011011010001011011001100100
110101011100100000110010010111111011
11110101110010011101101000100001000
00001110010111011000111101011111101111
000010101001011110101011011010001011

problem
01100110010011101010111001000001100
00101111110111111101011100100111011010
00100001000000011100101110110001111
1011111101111000010101001011110101011

#5
DEBIT VS PREPAID DEBIT
CARDS
DEBIT CARD
STORYTIME
BARBA AND FRENS WENT TO
BUSAY FOR A "ROAD TRIP",
WITHOUT BRINGING ANY
CASH.

ON THEIR WAY THERE,

THEY'VE BLOWN A TIRE.
BARBA WALKS TO THE
NEAREST ATM WITH HER BDO
DEBIT CARD TO WITHDRAW
MONEY. SHE ENDED UP
WITHDRAWING MORE THAN
WHAT SHE HAD IN HER
ACCOUNT AND HAS TO PAY
OVERWITHDRAWING FEES OF
UP TO PHP 1584.72
 010000000111001011101100011110101111110111100
10101001011110101011011010001011011001100100
010101110010000011001001011111101111111010111

EQUATION FOR DEBIT 001110110100010000100000001110010111011000

101011111101111000010101001011110101011101100

CARD 1101011111101111000010101001011110101011011010
OC (B + SH) - (1584.72) = NFD
1011011001100100111010101110010000011001001
11110111111101011100100111011010001000010000
011100101110110001111010111111011110000101010
where: 11110101011011010001011011001100100111010101
010000011001001011111101111111010111001001110
100010000100000001110010111011000111101011
oc = overall convenience 01111000010101001011110101
b = benefits
sh = the need to change spending
habits
nfd = the need for debit card
1582.72 = possible over drafting fees
CREDIT CARD
CREDIT CARD
STORYTIME
STORYTIME
husband and wife, carl
and angelica, are having
financial problems
because of unreasonable
spending as a result of
credit cards. to regulate
their spending habits and
maintain cash flow, they
decided to open a joint
prepaid debit account
and reload Php 6.5K a
month for their expenses.
 010000000111001011101100011110101111110111100

EQUATION FOR PREPAID 10101001011110101011011010001011011001100100

010101110010000011001001011111101111111010111

DEBIT CARD
001110110100010000100000001110010111011000
101011111101111000010101001011110101011101100
1101011111101111000010101001011110101011011010
SC ( B + SH - 1686.96) = NFP
1011011001100100111010101110010000011001001
11110111111101011100100111011010001000010000
011100101110110001111010111111011110000101010
where: 11110101011011010001011011001100100111010101
sc = situational convenience
010000011001001011111101111111010111001001110
100010000100000001110010111011000111101011
b = benefits 01111000010101001011110101
sh = the need to change spending
habits
NFD = need for prepaid debit card
1686.96 = prepaid debit card's average
cashback per year
LEARN TO LET GO

CONVERT CURRENCIES WISELY

BE AWARE OF PSYCHOLOGICAL
what are
PRICING your take
aways?
EVERY CENT COUNTS