Tools For Success: Financial Management In Challenging Times

Transcript

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Cqsevlcdx Higslcdxaxeid Vredxedo Hcweod W_AO Xcgm Giwxw Ah~)Vrilixeid Viwxaoc Laxcreajw Wjal)Wxevcdhw)Xajcdx Ixmcr Miswedo Xegkcx Wsbwehecw Lewg$ (28* (2 8*85 857 7 -(865% (=6* (= 6*88 88? ? -(?5 -( ?5*5 *56= 6=% % (375 (176 IREOEDAJ Wsb,Vrioralw in "Ireoedaj Vrihsgxeidw" Rigk Gexu VVA Dc Dc Wmi Wmiw w @sju @sju 8xm 8xm Wmi Wmi Vrioral Xixaj Jebr Jebrar aru u Wcre Wcrecw cw Rc~cdsc -A% Cardch Ahlewweidw Nccw Lcrgmadhewc Rc~cdsc Wsbxixaj (18*61= (37*666 (8*1?5 (?1*15? (6 (2*366 (6 (2*366 (6 (2*366 (6 (2*366 (18*61= (3=*666 (8*1?5 (?>*15? Wsbxixaj (?3*666 (1=*666 (256*666 (7=7*666 (6 (6 (6 (6 (6 (6 (22*666 (22*666 (?3*666 (1=*666 (712*666 (863*666 Xixaj Rc~cdsc (838*15? -B% Gidxrebsxch Edhe~ehsajw Girviraxc Dcx Awwcxw Rcjcawch (2*366 (28*366 (8=1*15? C}vcdwcw Wxann Arxewx Nagejexecw Larkcxedo Miwvexajexu Givuedo Xra~cj Wsvvjecw Vrin Hc~ Higslcdxaxeid Vredxedo Hcweod X,Wmerxw Xcgm Giwxw Ah~crxewedo)Vrilixeid Viwxaoc Laxcreajw Wxevcdhw Jigaj Xra~cj Ixmcr Miswedo -(131*=86% -(11>*366% -(?6*666% (6 -(72*666% (6 -(>1*666% (6 (6 -(3*366% -(>*666% (6 -(3*883% -(>*>66% -(17*?36% -(7*166% -(2*?36% (6 -(12*366% -(11*666% -(>6*666% (6 -( -(16*666% (6 (6 (6 (6 -(16*666% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -(23*666% (6 (6 -(1*666% (6 -(366% (6 (6 (6 (6 (6 -(7*366% -(1*666% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -(131*=86% -(12?*366% -(?6*666% -(366% -(72*666% (6 -(?1*666% (6 (6 -(5*666% -(?*666% (6 -(3*883% -(>*>66% -(17*?36% -(7*166% -(2*?36% (6 -(12*366% -(7>*666% -(>6*666% Xixaj C}vcdwcw -(33?*5=3% -(83*666% -(>*666% -(>6=*5=3% Wsr srv vjs jsw w)Hcne neg gex -(1 -( 167* 7*? ?== ==% % -(82 82**366 66% % (1= (1 =*3 *36 66 -(12? 2?**?== ==% % IREOEDAJ Rigk Gexu VVA Arxw,ed,Chsgaxeid Wsb,Vrioralw Arxewxeg Hc~ijivlcdx ^ewexedo Lsweg Lswegead eadw w Hewxr Hewxregx egx 1 Hewxr Hewxregx egx 2 Hewxr Hewxregx egx 7 Lcdxir Vrioral @sdeir Meom Lcdxir Vrioral Meom Wgmiij Lsweg Gjawwcw Gjawwcw Arxewx Rcwehcdgu Vrioral Anxcr Wgmiij Anxcr Wgmiij Wexc 1 W ex ex c 2 Oc dc dc ra ra j A EC EC Xixaj Rc~cdsc -A% Cardch Ahlewweidw Nccw Lcrgmadhewc Rc~cdsc Lewg$ Rc~cdsc Wsbxixaj (6 (6 (6 (6 (6 (6 (17*>36 (6 (6 (17*>36 (6 (6 (6 (6 (6 (3*666 (13*666 (6 (6 (26*666 (15*666 (6 (6 (6 (15*666 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 ( 2?*336 (6 (2*266 (6 (25*?36 Oi~crdlcdx Edhe~ehsajw Girviraxc Nisdhaxeidw Ixmcr Sdrcwxregxch Dcx Awwcxw Rcjcawch Wsbxixaj (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (73*666 (73*666 (6 (6 (6 (6 (6 (22*366 (22*366 (6 (6 (6 (6 (6 (22*366 (22*366 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 Xixaj Rc~cdsc (6 (17*>36 (1 (73*666 (82*366 (8 (81*366 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (?7*837 (2=*>36 (2*?66 (6 (168*=67 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (1>3*=62 (16=*171 (72=*763 (6 (1>3*=62 (16=*171 (72=*763 (6 (6 (6 (6 (6 (>=2*27= (>=2*27= -B% Gidxrebsxch (25*?36 (6 (1>3*=62 (16=*171 (72=*763 (?=?*681 C}vcdwcw W xa xa nn nn Arxewx Nagejexecw Larkcxedo Miwvexajexu Givuedo Wxann Xra~cj Wsvvjecw Vrin Hc~ Higslcdxaxeid Vredxedo Hcweod X,Wmerxw Xcgm Giwxw Ah~crxewedo Viwxaoc Laxcreajw Oradxw Wgmiij Gjsbw Ixmcr Xegkcx Wsbwehecw Rcxrcax -( (2 2 >* >* 88 88 ? ?%% -(2*666% -(366% (6 -(166% -(76% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -( (2 2> >** 31 31 ? ?%% -(13*666% (6 -( - (366% (6 (6 -(2*366% -( -(366% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 Xixaj C}vcd C}vcdwcw wcw -(25*6?? -(25 *6??% % -(83 -(83*61? *61?% % Wsrv Ws rvjs jsw) w)Hc Hcne nege gexx -(25 -( 25*6 *6?? ??% % -( -(71 71*7 *7>? >?% % -( -( 2 22 2 *8 *8 > >> >% -(3*866% (6 -( - (866% -(>66% -(366% -(366% -( -(126% (6 -(>*666% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -( (2 22 2** 8> 8> > >%% -( -(3*866% (6 -(766% -(836% -(7?3% -(766% -(1=6% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -(73*5=> -(73 *5=>% % -(25 -(25*8?1 *8?1% % -(5= -( 5=>% >% (17*62 (17* 625 5 -( (2 22 2** 8> 8> > >%% -(8*366% (6 -(366% -( - (1*366% -(1*236% -(1*236% -(766% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -(71*?>> -(71 *?>>% % (5*? (5 *?78 78 -( (2 2> >** 31 31 = =%% -(12*366% (6 -(166% -(2*666% -(>23% -(?3% -(36% (6 (6 (6 (6 (6 (6 (6 (6 (6 -(12*366% (6 (6 (6 (6 -( (2 2? ?** 27 27 2% 2% -(266% -(1*666% (6 -(136% (6 -(136% (6 (6 -( -(2*366% -( - (866% -( -(236% -(1*366% -(123% (6 (6 (6 (6 (6 (6 (6 (6 -( (> > >* >* 35 35 >% >% -(2*=36% -(2>*1=2% (6 -(8>6% (6 -(?=6% (6 (6 -(1*666% -(1*?66% -(236% -(7*566% -(176% --( (2*?66% -(8*666% -(366% (6 (6 (6 -(>*666% (6 (6 -(38*7>= -(38 *7>=% % -(77*36? -(77 *36?% % -(11?*68 -(11 ?*68=% =% -(38 -( 38*7 *7>= >=% % -(77 -( 77*3 *36? 6?% % -(=? -( =?*2 *25= 5=% % - ( 2> 2> *8 *8 8 8= =% -( -(23*666% (6 (6 (6 (6 -( -(>*666% (6 (6 -(2*366% (6 (6 (6 (6 (6 (6 -(?36% (6 (6 (6 (6 (6 (6 -( (1 1? ?** 12 12 2% 2% -(13*666% (6 (6 -( -(1*366% -(366% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -(1*666% (6 -(1*366% - (2 (2 >* >* ?5 ?5 5% 5% -(17*366% (6 -(1*366% -(2*?66% -(266% -(216% -(>66% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -(>6*>5= -(>6 *>5=% % -(7>*>22 -(7>*>22% % -(83*365 -(83 *365% % -(>6 -( >6*> *>5= 5=% % (1 (125 25*1 *1=6 =6 (>2* (> 2*>2 >22 2 -( -( 28 28 **= = >8 >8 % (6 -(22*?66% (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 (6 -(8?*3>8 -(8? *3>8% % (2=6 (2 =6*? *?81 81 Dixc0 Ahhexeidaj wsb,vrioral wsb, vrioral gijsldw ma~c bccd bccd mehhcd nir vrcwcdxaxeid vsrviwcw$ Aw a rcwsjx* xmc xixajw ed xmc ‚Vrioral Xixaj“ gijsld Xixaj“ gijsld lau dix cqsaj xmc wsl in ~ewebjc gijsldw$ -(866*=37% -(171*=36% -(3>*>=?% -(8*766% -(16*>56% -(7*==6% -(12*8>3% -(7*366% (6 -(17*666% -(7*136% -(1*336% -(>*566% -(7=6% -(2*?66% -(8*666% -(1*236% -(12*366% (6 -(1*666% -(12*666% -(1*366% -(>=8*13 -(>= 8*133% 3% (162 (1 62*= *==> => RC^EWCH  Wsb,Vrioralw in "Ireoedaj Vrihsgxeidw" Rigk Gexu VVA Dc Wmiw @sj u 8xm Wmi Vrioral Xixaj Jebraru Wcrecw Rc~cdsc -A% Cardch Ahlewweidw Nccw Lcrgmadhewc Rc~cdsc Wsbxixaj (18*61= (37*666 (8*1?5 (?1*15? (6 (2*366 (6 (2*366 (6 (2*366 (6 (2*366 (18*61= (3=*666 (8*1?5 (?>*15? Wsbxixaj (?3*666 (1=*666 (256*666 (7=7*666 (16*666 (76*666 (6 (86*666 (6 (6 (22*666 (22*666 (=3*666 (8=*666 (712*666 (883*666 Xixaj Rc~cdsc (838*15? 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