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GO GOA!!!Rahul Verma is a very smart boy, all of fourteen, and livesin Delhi with his parents and younger sister Rimi, who is twelve.Rahul's father is a professor in a college and mother is ahome maker. It is the month of June, school will start in aweek's time. Rahul and Rimi have spent the entire vacationat their grandparents' place. When they come back from theirgrandparents' place, they demand for a vacation to some distantplace in their winter break. Their mother agrees that she toocould do with a change. They decide to tell the father aboutit when he returns from work.Mr. Verma was also excited about going on a vacation buthe told the family that he will not be able to take them to afar away place. But the hour long feature on Goa, which aT.V channel had recently covered, had done the job for thekids. They were already building sand castles in the air andtaking the sea waves on their backs! So when their father offeredto take them to a nearby place, they insisted that they be takento Goa. Rimi said excitedly, "But daddy they told in that programthat winter is the best time to visit Goa! The climate will begreat and imagine what fun it would be to see the Christmascarnival there! Please daddy, let's go there"Finally Mr. Verma put his foot down and said, "I see you kidshave done your homework on this. I would love to take youto Goa children but I have a lot of things to take care of.Your school starts now. We need to buy you uniforms, schoolbags,books etc. I also have to save some money for your furthereducation. I can spare Rs. 10,000 and it would be impossiblefor us to go to Goa in that budget."Theory-WiseCash-flow statement:A record of your incomeand expenses.Theory-WiseBudget: Budget is aplan for the coordinationof resources andexpenditures OR a projectionof one's earningand expenditure.The children were disheartened. But then their mother said,"Why don't we see how much a 5-day vacation in Goa wouldcost us and then may be we can try to do something…" Thekids saw a ray of hope again and urged their father to findout the details. So the father went online, did some calculationsand declared that it would cost them Rs.40,000!13
Theory-WiseOpportunity cost: Opportunitycost is what yougive up every time youmake a choice. Resourcesare limited andwants are endless.There is no way we canhave it all. So eachchoice to buy somethingis also a choice of whatto give up.Their mother told the kids, "Look children, we have 6 monthsto go and 30,000 to gather since dad is willing to spare 10000.May be if we all put our heads together, we might be ableto save that money by curbing our daily expenses here andthere. Rahul, why don't you take the initiative and do somethingabout this?" Their father added, That is a fantastic idea. Yourschool is yet to begin and I am sure you will be able to givesome time and draw a better budget for the family. You havemy word that I will contribute my bit.Both the kids were excited with their new 'project'. Rahul kickedup his heels and decided to start this mission by finding outthe exact expenditure of the family on various items.Verma family's SMART goal:Vital Stats of the Verma family:• The family watch one movie on every Sunday - Rs.200/person• They go on a long drive after that - Rs.250/Sunday• They have dinner in a restaurant on their way home- Rs.500/Sunday• Mr. Verma drives a car to his college- diesel cost- Rs.150/dayRahul took the help of his parents to gather the other detailsabout the spending habits of the Verma family. Complete the'current expenditure' column on the basis of the informationgathered by Rahul. (see the table on the adjoining page)14
Page 2: SESSION IMONEY MATTERS: SMART GOALS
Page 9 and 10: Reworking required in Sachin's budg
Page 11: QRIOSITYTheory-WiseDeficit: Deficit
Page 15: Space for working out the Verma fam
Page 18 and 19: QRIOSITYA Lemony surpriseOnce upon
Page 20 and 21: 2. Live it up!!!!What do you think
Page 22 and 23: PLACE TO BANK ON!!!Bunty has got hi
Page 24 and 25: oard, 2 ashrafis for the second, 4
Page 26 and 27: THE GUITAR FEVERDarius is 13 and ha
Page 28 and 29: Notes:_____________________________
Page 30 and 31: Q-RIOSITYThis is also a Bank, but c
Page 32 and 33: Payee: ____________________________
Page 34 and 35: Manager: Good morning. What kind of
Page 36 and 37: How to open a Savings Bank Account
Page 38 and 39: A BIRD’S EYE VIEW OF A COMMERCIAL
Page 40 and 41: SECRET PIN (Sample Copy)42
Page 42 and 43: DEMAND DRAFT REQUISITION FORM (Samp
Page 44 and 45: Can you guess what this is?________
Page 46 and 47: SMART PREVIEWStock MarketStock Exch
Page 48 and 49: QRIOSITYCan you identify this build
Page 50 and 51: Now, answer the following questions
Page 52 and 53: Theory-WiseSecurities are financial
Page 54 and 55: 10. Sensex:________________________
Page 56 and 57: 16. Demat Account:_________________
Page 58 and 59: Group: ____________________________
Page 60 and 61: N. Gas: ___________________________
Page 62 and 63:
SMART PREVIEWMutual fundsInvesting
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QRIOSITYThe triangle of investmentl
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And ultimately they decided to call
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MUTUAL FUNDS : CHOICES GALOREMr. Ma
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EUREKA'S SOLUTIONSMr. Eureka, the f
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Mr. Eureka’s assistant explains:_
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7. Mr. Roshan Vesuwala: About 30 ye
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freelance fashion designer. Mr. Vis
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SMART PREVIEWIn the next class we s
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Q-RIOSITY“One that goes a - borro
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COST OF BORROWINGFollowing are thre
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What is Reducing Balance Method of
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5. Keep a list of all your card num
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• Personal Loan• Education Loan
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QRIOSITYRead the following statemen
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Sunny’s Need/Want Analysis and Sa
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What do you think is the solution t
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What can you say from the above tab
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Will Sunny be able to repay his loa
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3. Market regulators and institutio
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tivities and help them understand o
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ACTIVITY 3Advantage Maxima!! - The
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What is delayed gratification?With
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ones instant gratification. Provide
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SESSION 3INVESTMENT : NURTURING THE
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INVESTMENT MANTRAS:Money grows with
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SESSION 4BASICS OF BANKINGDear Pare
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SESSION 5STALKING THE STOCKSDear Pa
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A SHARED FAMILY ACTIVITYWhether you
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ACTIVITY 2Here is a summary of the
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SESSION 6INVESTMENTS : THE WIDER SP
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ACTIVITY 2Here is a table, which wh
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SESSION 7BEYOND SAVINGS : BORROWING
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SESSION 8THE FINAL COUNTDOWNDear Pa
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ACTIVITY 1The entire family must si
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• The long-term maturity will all
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ACTIVITY 3A few Points to ponder wi
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TABLE 2Prioritize the factors that
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ACTIVITY 3MINI QUIZ1. The interest
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Money maxims
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Smart Money FundaeAs children why s
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Smart Money FundaeRequirements for
Page 146 and 147:
Smart Money Glossary Crossing: 'Two
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Smart Money TipsTips for saving:•
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Smart Money TipsYou can earn too!!
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Smart Money Glossary Bull: The term
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Smart Money Glossary Company Fixed
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Smart Money Glossary Mutual Fund: A
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Smart Money Glossary Debt Fund: A m
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Smart Money Glossary Pure risk or T
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www.rediff.com/getahead/money.htmlw
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Credit Card Terms:1. Total Amount D
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3. Banks are guided by Reserve Bank
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