The document discusses Petra Institute of Development celebrating Human Rights Day in South Africa. It recognizes the sacrifices made during the struggle for democracy and the rights now enjoyed, including equality before the law, human dignity, freedom of movement, language and culture, life, and education. Petra Institute of Development is offering discounted programs from March 10th to April 31st, 2023 to commemorate human rights. A personal finance management course is highlighted to help people understand finances, plan better, and be happier.

1. HUMAN RIGHTS SPECIAL COMMEMORATION
Petra Institute of Development joins fellow South Africans in celebrating Human Rights Day. This day
reminds us about the sacrifices that accompanied the struggle for the attainment of democracy in
South Africa. Our democracy came with bloodshed and pain and disruption of families and
livelihoods. We take this time as Petra Institute of Development to commemorate and honour those
who fought for our liberation and the rights we enjoy today.
Our rights include:
Equality: everyone is equal before the law and has the right to equal protection and benefit of the
law.
Human dignity: everyone has inherent dignity and have their dignity respected and protected.
Freedom of movement and residence: everyone has a right to freedom of movement and to reside
anywhere in the country.
Language and culture: everyone has the right to use the language and to participate in the cultural
life of their choice.
Life: everyone has the right to life.
Education: Everyone has the right -
a. to a basic education, including adult basic education; and
b. to further education, which the state, through reasonable measures, must make progressively
available and accessible.
As espoused in our constitution, Petra Institute of Development prides itself in providing training
and education to our students in all of our 11 official languages where reasonably practicable.
In our homes, workplaces, in schools and communities at large, we all need to demonstrate the kind
of responsibility that we would like to see in our country’s future. As individuals we need to take
responsibility for our future
Petra Institute of Development has a Month Long Special to celebrate Human Rights. All our
programmes are discounted by 20% from the 10 March 2023 until 31 April 2023.
In our homes, workplaces, in schools and communities at large, we all need to demonstrate the kind
of responsibility that we would like to see in our country’s future. As individuals we need to take
responsibility for our future
Petra Institute of Development has a Month Long Special to celebrate Human Rights. All our
programmes are discounted by 20% 10 March 2023 until 31 April 2023.
To make ourselves significant in the economy we need to understand our finances so that we plan
better and be happier. The Personal Finance Management Course assists.

2. To enable development and growth among our fellow countryman we have Discounted Online
Training Packages where you pay for one and add another person for similar training for FREE.
Take this opportunity and enroll for the Personal Finance Management
Course and be a significant role player in the economy.
Personal Finance Management
All individual financial activities fall under the purview of personal finance. Personal financial
planning generally involves analysing your current financial position, predicting short-term and
long-term needs and executing a plan to fulfil those needs within individual financial constraints.
Personal finance is a very individual activity that depends largely on one's earnings, living
requirements and individual goals and desires. An understanding of Personal Finance Management
assists people to avoid falling into debt.
Who is the Personal Finance Management Course for?
Personal Finance Management is for anyone who manages finances at personal and organisational
level.
Synopsis of the Personal Finance Management
Personal Finance
Introduction to Personal Finance
What is personal finance management?
Personal financial decision making
Developing personal financial goals
Goal setting guidelines
Values and ethics in financial decision making
Emotions and Financial Decision-Making
Personal background and its influence on
perceptions of finance
Money sabotaging emotions
Emotional balance sheet and how it can help
make tough financial decisions
Financial Therapy
Five Step Model of financial therapy
Finance and Family
Importance of communicating finances to your
spouse or partner
Saving for your dependents (children)’s needs
Drawing up a will
Budgeting and Spending
Personal Financial Terms
How to create a budget
Understanding the difference between needs
and wants
Savings and Investments and Risk
Management
Difference between saving and investing
Eight types of savings and investment options
How to spot financial scams
Retirement – ensuring your estate is in a
healthy financial state
Important considerations for saving for your
retirement
Credit
National Credit Act 2005
Credit rating and the implications of a poor
credit history
Implications of a poor credit history