Banking on Youth

Reference Copy
2012

Kist Bank Limited, Research & Development Department Tel: + 977 1 4232500 Fax: + 977 1 4229588

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Kist Bank Ltd

TABLE OF CONTENTS
Part I: Introduction ........................................................................................................................................................ 3 A. Presenters Manual: Banking on Youth............................................................................................................ 3 A.1 Materials required ........................................................................................................................................... 3 A.2 Time Estimation ............................................................................................................................................. 3 A.3 Presentation: Mix of Activities and Lectures .................................................................................................. 3 A.4 Participants Handbook .................................................................................................................................. 3 B. C. Action Plan: ...................................................................................................................................................... 3 Procedures to Approach to the Schools/Colleges ............................................................................................. 4

D. Tips to presenters .................................................................................................................................................. 5 e.1 Slide Show Presentation .................................................................................................................................. 5 E.2 Lecture Method ............................................................................................................................................... 7 Part II: Contents............................................................................................................................................................. 8 Session One: Introduction ......................................................................................................................................... 8 1.1 Warm up session .............................................................................................................................................. 8 1.2 Introduction ..................................................................................................................................................... 8 1.3 Slide Show: Agendas ....................................................................................................................................... 8 1.4 Slide Show: Banking on Youth ....................................................................................................................... 9 1.5 Slide Show: Introduction on Kist Bank Ltd. .................................................................................................. 10 Session Two ............................................................................................................................................................ 11 2.1 Activity 1: Some Charismatic Youths!!! ....................................................................................................... 11 2.2 Slide Show: Some Quizzes ............................................................................................................................ 12 2.3 Slide Show 19: Todays Youth ...................................................................................................................... 12 2.4 Slide Show: Some Facts ................................................................................................................................ 13 2.5 Slide Show: Saving Habits ............................................................................................................................ 13 2.6 Slide Show: Saving Formulas ........................................................................................................................ 13 2.7 Slide Show: Needs or Wants ......................................................................................................................... 14

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Kist Bank Ltd 2.8 Slide Show: Short Term Goals ...................................................................................................................... 15 2.9 Slide Show: Budgeting .................................................................................................................................. 16 2.10 SLIDE Show: My Personal Budget, ExamplE ............................................................................................ 17 Session 3 ...................................................................................................................................................................... 18 3.1 Slide Show: Budget Diet/Shopping Diet ........................................................................................................... 18 3.2 Slide Show: Wise Spending by Billionaires ...................................................................................................... 18 3.3 Slide Show: Warren Buffet ................................................................................................................................ 19 3.3.1 Slide Show: His Living Style ..................................................................................................................... 20 3.3.2 Slide Show: His Advices ............................................................................................................................ 20 3.4 Slide Show: Eating in, Habits!! ......................................................................................................................... 21 3.5 Slide Show: Deposit in Banks!! ......................................................................................................................... 21 3.6 Slide Show: Miracle of Compounding Interest!! ............................................................................................... 22 3.7 Slide Show: Quotes on Savings ......................................................................................................................... 22 Session Four: Banks Services .................................................................................................................................... 23 4.1 Slide Show: Banks Offer -Techno Friendly Services ....................................................................................... 23 4.2 Slide Show: e Banking ...................................................................................................................................... 23 4.3 Slide Show: m-Wallet ........................................................................................................................................ 24 4.4 Slide Show: Virtual Banking can save environment!! ....................................................................................... 24 Session Five: Query Session........................................................................................................................................ 25

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Part I: Introduction
A. PRESENTERS MANUAL: BANKING ON YOUTH This manual is a reference for conducting Banking on Youth campaign. The campaign basically aims on inculcating habits on youths and creating banking awareness about banking services so that the bank could create future customers. This manual expects to guide the Bank staff to make power point presentation at the colleges/schools. A.1 MATERIALS REQUIRED Presenters Manual Power point Presentation Slides Multimedia (video/audio) Participants Handbook (brochures with savings tips and Kist Bank's products and services Evaluation Form (one copy per student) A.2 TIME ESTIMATION The estimated time for this presentation is approximately 30 minutes. However, the estimated time limit may be exceeded/contracted depending upon the discussion and situation. A.3 PRESENTATION: MIX OF ACTIVITIES AND LECTURES The presentation is designed with a mixture of lecture-style information, multi-media presentations and interaction with the students. It also includes various games and other student binding spices. A.4 PARTICIPANTS HANDBO OK Each student shall be provided with the brochures of Kist Banks m-Wallet and e banking services, and evaluation sheet. The evaluation sheet is to be filled by the students at the end of the presentation in order to provide their feedback regarding the campaign. B. ACTION PLAN:

Goal Campaign Period Campaign Site

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Campaign on Banking on Youth Initially 1 year Extension as per review of outcome. Various schools/colleges
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Target Group Presenters Duration Mode of Presentation

School students of grade 6, 7, 8, 9, and 10 +2 level and bachelors level college students.

Branch Mangers/ Relationship Managers/Other Banking Staffs Approximately 30 minutes Presentation through Slide show In absence of required technologies like projector or computer, presentation on the basis of banners and brochures, or placards/Lecture Method Interactive Presentation

C. PROCEDURES TO APPROACH TO THE SCHOOLS/COLLEGES

Step 1

Selection of Target Appointment with the princpal or any concerned official Make a brief ing about the campaign and Bank's purpose Set the time, date and day for the campaign

Step 2

Be familiar with the surrounding and the venue and make sure the availability of the required technologies (such as projector, computer, etc) Ensure that school/college informs their students timely regarding the campaign Identify the level of students and modify the presentation accordingly. The presentation for the Bachelor level students demand highly standard whereas students of grade 6/7 extremely simple so that they understand the matter comfortably and enjoy the program

Step 3

Make sure that the college/school has enough space to hold the students of all the grades, if not, then presenter should arrange to make presentation dividing the students into different groups. Programs would not be effectve if there would be more than 50 students. At the end or during the presentation, few snaps should be taken for record

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D. TIPS TO PRESENTERS

1. Rehearse atleast 2 times before the presentation 2. Presentors should get to the venue at least half an hour early to set the presentation understanding the environment 3. Required materials such as brochures should be kept in order.

1. Be well accustomed with presentation contents, slides and materials

(Also be well informed on Khutreke Savings, students Savings, m Wallet and e banking) 2. The timing in the slide show is really important as few of the slides contain animations and it works on the click or enter.

1. As

the nature of human being, the focus starts to loose within 18 minutes hence to grab the attention throughout the presentation, Include Interesting, facts and use easy language. For that presentors can add interesting or skip some of the contents

1. Make sure all the required materials are carried, including Kist

Bank's pen with "Banking on Youth" logo and chocolates to distribute to the students. 2. While making presentations observe whether the students are understanding the presentations, ask questions to have attention and bind them with the program E. E. PROCEDURES OF THE PRESENTATION E.1 SLIDE SHOW PRESENTATION The power point presentation should be conducted wherever possible and this is also the preferred presentation style. The contents of the PowerPoint slide is listed below Slide 1: Banking on Youth, Cover Page Slide 2-11 (Warm up session which contains fun questions) Slide 12: Session I: introduction Slide 13: Agendas
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Slide 14: Banking on Youth Slide 15: Introduction to Kist Bank Ltd. Slide 16: Session 2: Youths and Savings Slide 17: Some Charismatic Youth Slide 18: Quizzes Slide 19: Todays Youth Slide 20: Some Facts Slide 21: Saving Habits Slide 22: Saving Formulas Slide 23: Needs or Wants Slide 24: Short Term Goals Slide 25: Budgeting Slide 26: My Personal Budget Slide 27: Budget Diet/Shopping Diet Slide 28-29: Wise Spending by Billionaires Slide 30: Warren Buffett Slide 31-32: His Lifestyle Slide 33: His Advices Slide 34: Eating in, Habits!! Slide 35: Deposit in Banks Slide 36-37: Miracle of Compounding Interest Slide 38: Quotes on Saving Slide 39: Session 3: Banks Services Slide 40: Bank Offers: Techno Friendly Services Slide 41: Situations Slide 42-43: e-Banking
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Slide 44: Cell Phone Banking Slide 46: Virtual Banking can save trees!!! Slide 47: Any Queries??? Slide 48: Thank You!! The content of this PowerPoint slides are discussed in the later part of this manual which is segregated in different sessions. E.2 LECTURE METHOD In case if the PowerPoint presentation is not possible due to unavailability of the projector and other technologies then presenters can also exercise Lecture method. Presenters can take their PowerPoint slides in laptops for own purpose or in hard copy and may use it during presentation, or as per the presenters comfort. If presenter wants to show virtual display in the chart papers or in any way then that can be done which again depends upon the branches opinion and ideas. While exercising Lecture Method, the presenter should engage the students through continuous interaction.

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PART II: CONTENTS

SESSION ONE: INTRODUCTION Presentation starts with the greetings and self introduction. Few points are outlined below to start with the presentation. 1.1 WARM UP SESSION Instruction: Under this session, presenters should greet the students and express how he/she is pleased to see the participants for the program. Also highlight that the presentation will really be entertaining, helpful and informative.
Welcome everyone. I am really very glad that you are here to participate on this

program. Before moving into the core topic let me assure you that todays presentation will really be entertaining and at the same time it will be much helpful and informative to you in knowing banking services and inculcating Savings habit. Before moving into a core topic let us warm up with some funny questions.

There are few funny questions to warm up the students. First presenter should let students to think for the answer and whoever answers right shall be awarded with chocolate/Ball Pen/appreciations. Presenter should keep in mind that answers of the funny question are presented in the corresponding slide. 1.2 INTRODUCTION Instruction: After the warm up and welcome session, presenter should also provide their own introduction with a brief summary on their background.
Let me introduce myself first. I am Prarthana Tandukar and at present I work for Kist Bank Ltd since 6 month. With this short introduction allow me to move into the presentation part.

1.3 SLIDE SHOW: AGENDAS Instruction: Just read the agendas one by one and inform the students that they shall be briefed during the presentation.
These agendas shall be discussed in brief during the presentation. But before that let me inform you various games shall also be conducted which is fun and at the same time contains useful information. I am very much hopeful that all of you participate actively. Besides if you have any queries regarding the presentation, then they are warmly welcomed but for that we have a separate session which is at the end of presentation. Likewise after the presentation an evaluation sheet Page | 8 Banking on Youth

Kist Bank Ltd shall also be distributed to you all for your valuable feedbacks and suggestions if any regarding the presentation Please also note that your information will be kept confidential and we therefore expect constructive comments including criticisms, if any, from you all so that we can improve on it in upcoming days.

1.4 SLIDE SHOW: BANKING ON YOUTH Instruction: Before providing a brief introduction on the topic, presenters can tell few related money jokes to warm up the participants. The jokes are not included in PowerPoint slides hence presenter can decide either or not to include the jokes session.

Joke 1: A young college co-ed came running in tears to her father. "Dad, you gave me some terrible financial advice!" "I did? What did I tell you?" said the dad. "You told me to put my money in that big bank, and now that big bank is in trouble." "What are you talking about? That's one of the largest banks in the state," he said. "there must be some mistake." "I don't think so," she sniffed. "They just returned one of my checks with a note saying, 'Insufficient Funds'." (In fat she had issued the cheque of more than the deposit she had in the account.)

Joke 2: A preacher went into his church and he was praying to God. While he was praying, he asked God, "How long is 10 million years to you?" God replied, "1 second." The next day the preacher asked God, "God, how much is 10 million dollars to you?" And God replied, "A penny." Then finally the next day the preacher asked God, "God, can I have one of your pennies?" And God replied, "Just wait a second."

After few jokes, short introduction on banking on youth can be provided to the students as below:
Banking on Youth is a program conducted with an aim to provide some basic banking education and money management skills to the youths so that youths like you can be capable of managing the money and spend it wisely. Such habit if formed from the early age would definitely help in future when we step in the position where we ourselves become financially responsible and we carefully secure our financial position for future needs. In this regard, Bank can play a very good role through the various means such as Saving Accounts, Techno friendly Page | 9 Banking on Youth

Kist Bank Ltd services, Cards etc. Being financially literate will definitely enrich our management skills but at the same time Banks act as a secured means which support us as our custody of the money we saved and in return provide additional revenue in terms of interest.

Tips for further Interaction if needed:

Before briefing you all regarding todays topic, Can anybody tell me, which is the first
commercial bank of Nepal? Presenter can ask this question and if anybody tells the correct answer, presenter can reward the students with a chocolate or with appreciation. Further if extra information is required to be added: (Nepal Bank Limited, established in 1994 B.S, founded by Juddha Sumsher later on Nepal Rastra Bank was established as a central bank only on 2013 BS. The second commercial bank was Rastriya Banijya Bank which was established on 10th Bhadra 2022 BS) The oldest operating bank in the world is the Monte dei Paschi di Siena in Italy, which dates back to 1472. The first commercial bank in the United States was the Bank of North America, established in Philadelphia in 1782. It operates today as the First Pennsylvania Bank. Commercial banks assets represent about one-third of the dollar assets of all U.S. financial institutions. Also the presenter can also start the conversation with the students to make sure if students use the Bank services or not. Conversation can be started with the following various questions: Do you have bank account? If the crowd says yes, then which bank? How did you open the account? Who advised you to open the account etc??

1.5 SLIDE SHOW: INTRODUCTION ON KIST BANK LTD. After a short briefing on Banking on Youth, it is necessary to provide briefing on where we are from. The contents in the slide will be appeared with every click and accordingly presenter should manage for presentation.
Kist Bank limited was established in 2003. Its paid up capital is Rs 2 billion. Currently, there are 51 branches with 80 ATMs across the country and 550+ staffs.

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SESSION TWO This session shall begin with information on Charismatic Youths and some quizzes. The purpose of the activity is to make the students accustomed with some successful youths, to make them understand that such achievers start at a very early age, which means that youths are full of innovative ideas, and energies. In a similar manner the participants shall also be notified regarding a bitter fact about the youths related to poor money management. By doing this we can highlight the need of money management skills at their age and encourage them to save money and spend wisely. 2.1 ACTIVITY 1: SOME CHARISMATIC YOUTHS!!! Instruction: This slide contains two pictures. The picture will appear with a click or enter only, in the slide. With a first click a picture of Mark Zuckerberg will appear and presenter can ask the students about his name. Whoever gives the correct answer will be rewarded with a chocolate. Similarly with another click second picture of Michael Phelps will appear. The same guessing game continues. Finally with a third click a sentence stating Most of the successful person starts at their teens.

Slide Show: Charismatic Youths

Information to the Presenters about the Charismatic Youths: Below is the short information on the two young achievers. The presenter should always carry extra information as it is likely that the students will raise more questions on them. Mark Zuckerberg: The founder of Facebook Mark Zuckerburg at the age of 19: commercializes Facebook, which later became the leading social networking system on the internet. 70 million people have facebook account. Michael Phelps: at the age of 15 and becoming the youngest male to make a U.S. Olympic swim team in 68 years. While he did not win a medal, he did make the finals and finished fifth in the 200-meter butterfly. At the World Championship Trials for the 2001 World Aquatics Championships, on March 30, Phelps broke the world record in the
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200-meter butterfly to become, at 15 years and 9 months, the youngest man ever to set a swimming world record, breaking the record previously held by Ian Thorpe when he lowered the 400-meter freestyle world record at 16 years, 10 months. At the World Championships in Fukuoka, Phelps broke his own world record in the 200-meter butterfly en route to becoming a world champion for the first time. The presenter might like to modify the presentation as required. When PowerPoint presentations are not possible, photos of such persons can be printed in A4 size paper and can perform similar activity by showing the picture. 2.2 SLIDE SHOW: SOME QUIZZES Instruction: This slide contains few questions regarding the most famous teenagers. The answers on each question will appear on a click. Hence presenter has to be careful on this matter. Presenter can ask first question to few of the students or can also give choice to answer the question by any students who wants to volunteer. This should not take more than 1 minute for each question. Time: 3 minutes Note: The questions can be modified/replaced as per requirement by the presenter.

1.

Name of the Football who scored six goals in four games in the 1958 World Cup..At age of 17? Answer: Pele

2.

A Nepali of 18 who invented different solar panel that uses human hair Answer: Milan Karki At what age did Bill gates co founded Microsoft? Answer: 19

3.

2.3 SLIDE SHOW 19 : TODAYS YOUTH Instruction: After the above activity, few facts on the youths shall be provided to the students so that they will know their importance for future. The first three points provide the fact about worldwide populace on youths extracted from a UN Research paper and Nepalese youth populace (extracted from CBS). The third point indicates that by 2020, the youths population is estimated to be declined drastically.

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The second three points highlight what youths are capable of and at the same time third point of the slide state the bitter truth. Despite of all these good intention when comes to money management youths lack skill. In order to support this fact few points shall be shown in the next slide.

2.4 SLIDE SHOW: SOME FACTS In order to support the earlier fact about poor money management skill in youths, few points have been provided in this slide. The first point talks about, youth is in the transition phase for entering into the stage of financial independence. But in this stage they are vulnerable to spending and think really little for savings. The research done by 1Barclays also provide a result that majority of the youths are struggling to manage their money well, which could jeopardize their financial future. Hence to best start in life, a money management skill is essential for the youths. 2.5 SLIDE SHOW: SAVING HABITS Instruction: Under this slide, presenter should highlight the importance of Savings. If pos sible presenters can provide few interesting examples on the savings habit also. For instance a Chinese man had a habit of savings coin. He had then purchased a car from the coin he saved. 2.6 SLIDE SHOW: SAVING FORMULAS Instruction: Just read the points given in the slide one by one and inform the students that each shall be discussed in the upcoming slides.

financial capability and support enterprise. Through our flagship UK community program, Barclays Money Skills, were driving an industry leading initiative to help one million people build the skills, knowledge and confidence they need to manage their money more effectively)

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Few tips on savings are listed on the slide. I am quite sure that everybody knows about this saving formulas but trust me once you start this will be a fun and you will not even know that you ar actually saving. Each one whall be discussed separately in the coming slides

Knowing need versus want Budget Diet/shopping diet Making habit of eating in rather than eating out Deposit in banks

2.7 SLIDE SHOW: NEEDS OR WANTS Instruction: Presenters should be very clear regarding the difference between the meaning of needs and wants. Needs: Needs are best thought of as physiological or biological requirements for maintaining life, such as the need for air, water, food, shelter, and sleep. Wants: Wants are then the psychological desires that are not essential for life but that make life just a little more enjoyable, example red sports car, luxurious goods etc. (Rice is essential whereas chocolate is want. Normally ball pen is need whereas expensive fountain pen/ball pen is want.)

In order to start with the presentation on this topic, few examples that distinguish needs and wants can be provided in following way or in any other manner as per presenters choice.
I have Rs 1000, I need to purchase two academic books and at the same I really need one good sneaker (shoe/footlocker). Here in this case, both are important. If I do not purchase it, then I will not be able to do homework and score good mark in examination. However, I have alternative shoe for sneaker. So can anybody tell me what my need is and what is my want???

With this example, presenter can simplify the meaning of needs and want in following way to the students.

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Tips for Interaction on this Section

Now lets explore what to do with your money. First, you need to distinguish between Needs vs. Wants. Needs are things you CANNOT do without. Wants are things that you CAN do without. Knowing your Needs vs. Wants can help you make better financial decisions. So ask yourself: Do I need it? Do I want it? Next, you need to know how to set goals for your future. Goals are things you want to accomplish in the future, and determine the direction you take in managing your money. Set your short term and long term goals; Short term - immediate goals such as a car, a new iPod, trips Long term - future goals such as a college education, family, etc. After making understand about the difference between needs and wants, presenter can ask the students to differentiate between following items: 1. Academic Course Book and snickers 2. Health care and bicycle 3. Clothes and designer clothes 4. I pod or mobile phone 5. Gift for mother or movie tickets

To accomplish these goals, you need to manage your money, beginning with setting up budget. And inform the students that savings is need rather than wants. Set your priorities for saving and spending and stick to them spending should be made on need basis rather than on want basis.

2.8 SLIDE SHOW: SHORT TERM GOALS Instruction: Presenter should make clear that short term goals must be very specific in terms of time, money and attainment. It refers to a short term goal that students want to achieve from saving money. Give similar type of example as below:

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My favorite recreation is to travel and explore various places of my country. But unfortunately I have traveled really less due to inadequate source. But now, I am saving few portions out of my income to achieve this goal. I have listed all the destinations for traveling and my short term plan for the near future is to trek on Ghadruk for which I have saved enough money and now I am waiting for the holidays.

Presenters can provide similar examples which will help the students to set their short term goal which can be attainable if they save some portion out of their pocket money. Following tips can be provided to the students by the presenter and can some add similar other tips: Paste a picture of your needed stuff such as iPod, branded All Star Converse etc on your wall which will motivate you to save Make a target and write strong commitment letter for achieving the target Some of you might like to be Doctor or Engineer or Broker or Professor and so on. In order to study, it may require a large sum of money. Your parents if they have limited income may struggle to pay fee. If you save, you may also contribute to realize your dream. Students can make a chart as below which is also shown in the respective slide. Goal/Why needed??? How much to save?
within

How to achieve?
6 1. Drop at least Rs 20 per day in my Piggy Bank or at least Rs 500 per month in my bank account and if I drop at least for 150 days I can make Rs 3000. 2. Do not spend the cash I will receive from my granny each time I go to my Mamaghar 3. The money that I will receive from my parents as a birthday gift shall also be dropped in my Piggy Bank. 4. Within 6 months I can make Rs 5000 to and my short term goal can be attained.

Purchasing a pair of Rs 5000 original All Star Converse months

2.9 SLIDE SHOW: BUDGETING Instruction: Presenters can provide slight information on budgeting to the students. Point out following information

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The first step in managing your money is knowing where its coming in and where its going out and making sure the in exceeds the out so you have enough for your needs, and can save and invest for your future.

By mentioning the above points, presenters can then read the point given in the slide and give a slight hint to prepare a simple budget. Also tell the students that saving should not be what is left after spending it should be separated before spending. 2.10 SLIDE SHOW: MY PERSONAL BUDGET, EXAMPLE

My Personal Budget
1st Month 3000 1000 4000 500 1500 1000 1000 3500 500

Month Income Pocket Money Extra Total Income Savings Expenditures Lunch Entertainment Others Total Expenditure Income Expenditures (Surplus/Deficit)

Second month 3000 3000 500 1500 500 500 2500 500

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SESSION 3 3.1 SLIDE SHOW: BUDGET DIET/SHOPPING DIET Instruction: This slide contains some pictures and the pictures itself tell the story. The purpose is to motivate the students to save and by showing the advantages of off season sales. In the first click, the picture written as Sales will disappear. By second click a cartoon picture of girl will fly in and with another click the picture gets flipped and disappears. In the third click a sentence showing I got extra 500 rupee spare will appear which moves a little.

Well this may sound funny but curbing unnecessary expenditure is what I would like to name as a Budget Diet. Remember guys dieting means having all the necessary vitamins in a balanced way and avoiding unnecessary items that would accumulate in our body creating some adverse effect. Some of the tips I would like to give undergoing Budget diet which I have followed as well: For budget diet, going on a shopping diet can be a very useful idea and I would like to quote this especially for the ladies participants. Well no offence girls!!!! It does not means gents are excluded, they can do the shopping diet as much as possible

3.2 SLIDE SHOW: WISE SPENDING BY BILLIONAIRES Instruction: The slide contains few examples of the billionaires who live a very frugal life despite of being billionaires. Their examples can be taken as inspiration and lessons. IKEA founder, Ingvar Kamprad, one of the richest men in the world, drives a 15-yearold Volvo, flies economy, avoids expensive suits and eats simply at lower-tier restaurants.

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Indian billionaire Azim Premji, owner of technology giant Wipro, serves food on paper plates in a lunch reception honoring his sons wedding! 3.3 SLIDE SHOW: WARREN BUFFET Instruction: Warren Buffetts living style can be a very inspirational story to the youths for economic use of money. Under this session, presenters should try to develop some positive views towards wise spenders and make them aware that saving does not mean being Kanjus tight spenders or something like that rather they are called wise spenders. Wise spending refers to money management which youths are required to be taught of and can be regarded as a major course for life time like in academic years. In the first click, Warren Buffett picture appears and in the second clip his name and in third, a statement stating he is the third richest man in the world.
Note: The position of richest men change from time to time, which needs to be updated accordingly. For example largest tax payer under individual category in Nepalese context in FY 068/69 was Prithvi Bahadur Pandey, CEO of Nepal Investment Bank. This may also be shown by the presenters which may be relevant in Nepalese perspective.

All of you must be thinking that super rich persons like Bill Gates and Warren Buffet never thinks about how they spend their money and they do not require to make choices as they have unlimited source. After all, they make money by the millions and billions each year. Even I used to think that, and sometimes I used to wish for adoption by any of these guys!!! Well just some ridiculous thoughts . (For refreshment can add similar hilarious stories) But guys trust me these super rich persons actually spend their money very economically; they are savvy and very prudent with their money. The frugal living styles of these billionaires can be taken as lesson which we can incorporate in our life. And when I came to know about these facts I became a huge fan of Warren Buffett. I would like to share few of his philosophies regarding money spending

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3.3.1 SLIDE SHOW: HIS LIVING STYLE Instruction: This slide highlights the living style of Warren Buffett. Under this heading there are two slides describing about the living style of Warren Buffett and his message The first sentence highlights the Warren Buffetts life story followed by the message he wants to convey to the people regarding money saving and its utilization. The sentence pops out on each click or enters in the keyboard. Hence presenter has to be conscious in this slide.
Well most of you are aware about Warren Buffetthe is one of the richest man in the world with the net worth of around 44 billion dollar. The net worth of Warren Buffett (2012) is $ 44 billion. If you convert that $ 44 billion in Nepalese rupees (multiplied by 1$=NPR88) then the figure shall be 3872000000000 which in words is 38 kharab, 72 arab. The budget of Nepals economy is worth of NPR 400 billion. Imagine guys the net worth of the Warren Buffett is around 10 times the Nepalese budget. But at the same time very few of you may know his living style is not that very exotic in compared to the wealth he has. I would like to provide few examples regarding Warren Buffets view to live a frugal life despite of having such enormous amount of wealth.

1. He bought a small farm at age 14 with savings from delivering newspapers. 2. He still lives in the same small 3-bedroom house married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence. 3. He drives his own car everywhere and does not have a driver or security people around him. 4. He never travels by private jet, although he owns the world's largest private jet company.

One could have bought many things

with little savings. Encourage your children to start some kind of business

Don't buy more than what you "really need" and encourage your children to do and think the same

You are what you are Always think how you can
accomplish things economically.

3.3.2 SLIDE SHOW: HIS ADVICES Instruction: This slide does not content any animation. Hence Presenter can read the advices one by one or make the students read by themselves.

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Money doesn't create man but it is the man who created money.

Live your life as simple as you are. Don't go on brand name; just wear those things in which you feel comfortable. Don't waste your money on unnecessary things; just spend on them which are really in need rather.

After all it's your life then why give chance to other to rule our life."

Impressive Is not it??? You may not end up a millionaire by taking these steps but you can live comfortably within your means, and still be frugal. Well I was very surprised tooand it did put a very deep impact on mewell I dont know about you guys but hope that you will at least think on wise spending and saving the money for future. Remember guys, a penny saved is a penny earned.

3.4 SLIDE SHOW: EATING IN, HABITS!! Instruction: This slide contains animation and is about conveying the message to the youth about money saving formula. First enter/click to get the first clip, the other Eating out and

Costs money appears automatically. Likewise on the second enter/click the second clip flies in
and the remaining contents in the side appear automatically. The color of the Costs Money and Saves Money also change automatically at the end. How often do you eat out?? How many of you bring lunches from home?? Such questions can be asked to the students to interact with them. Then a simple mathematical example can be provided to the students about the expenses incurred while eating out in a month. For instance if you spend Rs 10 per day to have a tea, then in a month Rs 300 is spent just to have tea. Which if you have saved for a month then Rs 3600 will be saved in a year. 3.5 SLIDE SHOW: DEPOSIT IN BANKS!! Instruction: The picture is already in the slide, the sentence deposit in banks will be shown only after a click or enter. By another click, the sentence Earn Interest will appear and bounces for a
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while followed by the sentence Adds up to you savings which appear automatically which then expands. Presenter has to emphasize that Bank play a key role to add up in the savings made by the people. To support this fact, an example of compounding interest in next slide is provided which presenter should emphasize. 3.6 SLIDE SHOW: MIRACLE OF COMPOUNDING INTEREST!! Instruction: Under this issue, presenter has to focus on the main theme that the compounding interest multiples the saved amount by many times. Highlight the last part of the table. Money saved Duration Present Value Increment Rs 161 61% 1644% 1644%

Rs 100 @10% 5 years

Rs 100 @10% 30 years Rs 1744 Rs 100,000 30 years Rs 1744940

3.7 SLIDE SHOW: QUOTES ON SAVINGS Instruction: The famous quotes quoted by some of the famous people are included in this slide. Presenters should make the students read the quotes by themselves! Such a practice is an effort to make the students think for a while regarding money saving and the importance of money.

Too many people spend money they havent earned, to buy things they dont want, to impress people they dont like. Will Smith The art is not in making money, but in keeping it. Proverb A penny saved is a penny earned. -Benjamin Franklin The safe way to double your money is to fold it over once and put it in your pocket. ~Frank Hubbard

The people are basically known for the following: Will Smith: Famous Actor Benjamin Franklin: Franklin was a leading author, printer, political theorist, politician, postmaster, scientist, musician, inventor, satirist, civic activist, statesman, and diplomat, Frank Hubbard: American harpsichord (a kind of musical instrument) maker

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SESSION FOUR: B ANKS SERVICES 4.1 SLIDE SHOW: BANKS O FFER -TECHNO FRIENDLY SERVICES Instruction: From this session we move into the action part. Under this session the presenter should try to attract the participants for banking, highlighting the techno friendly services. The bulleted characters Online Banking and m-Wallet will appear with a click or enter only. But before providing brief intro on these services presenters can create few situations as included in the next slide. And highlight that solution to all the problem is either e Banking or m-Wallet service. Situation 1: If both of you and your parents have account in Kist Bank. You stay at Kathmandu Valley and your parents stay outside the valley. You require some cash immediately to payout your college fees but you do not have enough cash in your account. How will you arrange the money??? Ask few students to get their opinion Situation 2: Your friend is really in need of money but you do not have cash in hand however you have some in Kist Banks account. Coincidently your friend also have account in Kist Bank but nearby there is not any branch of Kist Bank? How will you help your friend?? Situation 3: The entire family member forgot to pay the bill of telephone of your house. And if you do not go to pay the bill today then extra penalty will be charged but at same time you are not at house and none of the family members are free to go for paying the bill??? How will you solve this problem? Situation 4: You want to get notified about your account status every time you deposit or withdraw the money. 4.2 SLIDE SHOW: E BANKING While introducing about this services, provide interesting facts on internet users Internet Populace North America: 76.2% Australia and Oceania: 60.8% Europe: 50.3% Latin America and Caribbean: 31.9% Middle East: 28.8% Asia: 20.1% Africa: 8.7% World Average: 26.6%

247 billion emails are sent every day

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Well how did I get this information from??? Of course, Internet!!!!

As everybody is aware internet is not limited to only information, in fact its getting popularity rapidly in recent days for entertainment and social networking, shopping, virtual courses, virtual library and many services including banking. Internet has made possible to access banking services in a click. You can view your account status virtually, get the fund transfer to other account, pay the utility bills remaining online etc. So online banking is indeed more fun and at the same time it saves times as queuing up in the line can be totally avoided. More importantly the use of paper can be minimized to a great extent, for example use of cheque books, statements, receipts etc and indirectly we will be conserving the trees i.e. if the use of paper is minimized then cutting of the trees can be also minimized

4.3 SLIDE SHOW: M-WALLET Before discussing regarding m-Wallet services presenters can interact with the students. For instance instead of asking how many of you use mobile phones, ask the students how many of you do not use mobile phones??? On that note presenter can provide facts that 37% (2012 data) of the Nepalese populace are using mobile phones and also increasing at a very high rate. Through mobile phones one can play music, videos, take the photos etc. But at the same time through mobile phone one can also get access to the banking services. 4.4 SLIDE SHOW: VIRTUAL BANKING CAN SAVE ENVIRONMENT!! At last but not the least, Presenter can throw a message that utilization of virtual banking to lot extent can reduce the consumption of papers. Papers are made from the woods and hence we should minimize the use of papers as much as possible so that cutting down of trees would be reduced.

m wallet
Conserve Trees

e banking

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SESSION FIVE: QUERY SESSION

Ask for any more questions, and thank participants for coming. Ask participants to fill out the evaluation before they leave

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