Budget communication - how it came about (2023)

reader survey

Are you satisfied with the government's communication on the budget?

12:30pm:Premier Davis highlighted the coronation visit and meeting Mayaguana Grade 12 student Kajah Knowles, who was carrying the Bahamian flag. "This young lady from Mayaguana and I, the former Cat Island youth, stood up to represent our great country."

Closing his budget statement, Premier Davis said, "I firmly believe that the Bahamas can achieve a lot if we put our minds to it. We all need a chance."

12.25:The prime minister has cited higher-than-usual interest rates in his 2022 budget strategy report, which will lead to higher interest payments. The deficit as a percentage of GDP increased by 0.2 percentage points, above the target of 0.7%, but the budget is still expected to remain balanced by 2024/25.

Premier Davis said current revenue was $3.316 billion, current expenditure was $3.085 billion, and the current surplus was $230.7 million. It forecast a current deficit of $164.3 million, a change of $395 million.

Governor Davis said interest expense is expected to be $612.7 million and net income is $481.6 million, compared with $68.4 million in the current period.

Capital expenditures increased by $5.6 million compared to the planned $364.6 million, according to Davis. The total deficit, excluding debt service, is projected at $131.6 million.

12:15 p.m.:The first home buyer payment exemption for owner-occupied homes will be extended to three-family dwellings. Incentives for housing projects will be extended to NGOs up to a construction value of $300,000 per unit.

Prime Minister Davies is now talking up an installment payment scheme the government is investing in that will "provide an alternative route to home ownership by allowing tenants to rent properties with the option to buy later".

Noting that 80 per cent of graduates from the University of the Bahamas are women, Mr Davies said it was "surprising and disappointing" that a growing number of young people were not receiving free education.

According to Governor Davis, 200 additional teachers, support staff and counselors have been hired to fill teacher shortages.

Prime Minister says funding for BAMSI, BTVI and Ministry of Education will be increased.

Funding for the establishment of a creative and performing arts school. The prime minister said it "brings us one step closer to realizing the dream of many".

(Video) 2021-2022 Budget Consultation

According to Premier Davis, the budget is earmarked for the CARIFTA swimming and triathlon championships, as well as the World Relay.

The prime minister, who sounded particularly eager, pointed to his longstanding association with swimming and said a 50-meter swimming pool would be built on Grand Bahama Island and a sports facility on Family Island. Funding is also provided for the development of a new national sailing sport.

Prime Minister Davies said funding for private schools and children's homes had been increased, citing "post-pandemic" challenges.

12:05 p.m.:$22 million is expected for solar technology in Mayaguana, Inagua, Crooked Island, Acklins and Long Cay. Prime Minister Davies said a $20 million fund would be used to discuss the promotion of green technology for small and medium enterprises.

Premier Davies said the budget had earmarked funding for the National Youth Guard programme. The size of the funds was not mentioned in the speech, but it was noted that they would support "their personal growth and development" and that we were "investing in the future and security of our nation".

Premier Davis highlighted some of the problems with poor nutrition and housing and announced a national school breakfast programme.

Noting that hunger doesn't just affect students, Chancellor Davies also announced that there will be a special food aid scheme to fund organizations that provide food to those in need.

On health issues, Premier Davis said that a new medical facility will be built on Grand Bahama Island, a new hospital will be built in New Providence, and the infrastructure of clinics on Family Island will be improved. National Health Insurance and prescription drugs are also integrated.

Since recruits have to pay for dependents, there are concerns about military and police health insurance. The prime minister said uniformed branches would continue to be covered, while new members would be entitled to "subsidized family protection".

Premier Davis said it was the first of its kind in the Bahamas, which created a national organ transplant program.

12:00 PM。:Premier Davies said the government would continue to encourage public-private partnerships, noting projects already underway, such as building roads and airports on several islands.

Premier Davis: "In this budget, we're allocating $4.7 million to continue jobs programs in Grand Bahama."

In addition, salaries for the police, defense force, social workers and others have also increased.

(Video) Communicating the School Budget

Mr Davies discussed food safety and referred to the previously launched golden egg scheme. The government will continue to strengthen food security and maintain agricultural spending, he said. Allocation of funds for the expansion of BAMSI and equipment for farmers and land development.

Premier Davies said we must act quickly to build our state of readiness. "We try to do everything we can to reduce our carbon footprint."

Episode 11.55:The prime minister said there would be no increase in VAT, customs duties, excise duties, tax rates or property taxes. "Instead, we will increase tax revenue by improving tax compliance and enforcement. This is based on simple principles of fairness."

Mr Davies said "most people pay taxes" and asked why we allowed some people not to.

Prime Minister Davies said the previous government "allowed certain groups of people not to pay tax".

Mr Davies said a large taxpayer entity would be created for the 100 or so companies paying $1.7 billion in taxes. He said the technology would be used to detect anomalies in reports. It promised to update the list of yacht registration fees.

Prime Minister Davies said budget allocations to state-owned companies had been cut, while clarifying guidelines for running the companies to ensure they met state budget targets. The goal, he said, is to make sure they are profitable.

Mr Davies will advocate for a defined contribution pension system for government employees.

11,50 Satie:Prime Minister Davies said steps had been taken to reduce crime - and results so far suggested it was not happening "as quickly as any of us would like". Urban renewal extended. Recruit hundreds of new police officers, defense officers and prison officers. Additional funding for saturation patrols.

Governor Davis said funding for the "second chance" program has been increased to reduce recidivism. The budget envisions a broader approach that includes prevention, testing, rehabilitation, funding for community center and courthouse reconstruction, and a new justice complex.

The Prime Minister said funds had been allocated to build women's shelters and legal aid for victims of domestic violence had been increased through social services and the Ministry of Justice's Victim Support Fund.

Premier Davis highlighted one area of ​​national security that could be of concern. Condemns the efforts of some to advance national security issues for their own benefit. "Violent and often racist language ... has no place in our society."

"We should put this story behind us. You know, we are all children of God," Mr Davies said.

(Video) Budget Committee Meeting - May 31, 2023 - 7 p.m.

PM Davis: "We have to say no to poison, we have to say no to hate."

11:45 a.m.:Prime Minister Davies said it was possible to secure more domestic funding to ensure more stable funding for the country.

Mr. Davis said excessive debt was a major factor in the Bahamas. In October 2022, Moody's downgraded the U.S. Treasury's rating due to rising debt, but upgraded it to "stable," "reflecting Moody's confidence in our strategy," he said.

He noted that debt relief is possible if the country commits to certain environmental measures.

Premier Davies will now introduce the budget's fiscal measures.

Mr Davies said the measures had reduced illegal immigration and safe return operations would continue. Allowances for RBDF naval personnel will be increased, he said. A slum demolition task force will also be established.

11:30 a.m.:PM Davis said debt ratios are falling. He noted that in June 2021, debt-to-GDP was over 100 percent and "it's now 83.5 percent."

Premier Davies said public spending remained on track and was "fully in line" with targets.

Episode 11.25:Spending for the first nine months of the fiscal year rose $145.3 million to $2.3 billion, or 67.8 percent of the projected budget, according to Governor Davis. On the revenue side, spending rose to $2.1 billion, or 69.4 percent of the budget. Staff expenses rose $55.7 million to $594 million, or 71.7% of the budget.

Mr Davis cited positive changes for government workers, including an increase in the minimum wage from $210 to $260, and collective agreements signed with various unions, including a retention bonus scheme for teachers and administrators and a retention bonus for nurses. He pointed out that this was in part to prevent "our friends up north" from stealing our nurses and teachers.

"The deficit is heading in the right direction: 'down'," said Prime Minister Davies.

Prime Minister Davies said the large surplus meant the government's main spending was less than it took in.

11:20 a.m.:According to Chancellor Davies, real GDP growth is expected to hold steady at 4.3% in 2023. "We think it's great."

(Video) Transforming a BACKYARD Into PARADISE #shorts

Total revenue for the first nine months was up $267.2 million, or 14.5 percent, from a year earlier, the premier said. So far, the total revenue after nine months is 73.9% of the budget, he said. He compared it to the 2018-19 period. Before the pandemic, revenue accounted for 63.7% of the projected budget.

Premier Davies pointed to the increase in tax revenue, which he said would account for 72.9 per cent of the proposed budget. Compared with 2018-19, this is 62.6% of the planned budget for the first nine months.

Mr Davies joked: "Anyone call me CFO?"

Special event permits were said to have increased by $8.1 million to $89.1 million. International trade taxes amounted to $498 million.

11:15 a.m.:Premier Davis says the Hawksbill Creek deal on Grand Bahama Island won't work. He said now was the time for decisive action. A separate detailed announcement is likely to be made while the Hawksbill Creek agreement and the situation in Grand Bahama are discussed, he said.

Occupancy rates for hotels and rental properties are rising, Premier Davis said, pointing to a rising holiday rental market.

Premier Davies said the modest 0.1 per cent drop in consumer prices was due to lower food and soft drink prices.

Foreign exchange reserves now stand at $2.7 billion, with Prime Minister Davies citing the increase as a result of economic activity.

11:05 a.m.:After outlining the general outlook for the world economy, particularly for the US and China, Premier Davis returned to the domestic economy in his budget statement. He noted that economic activity in the country is recovering, with real GDP growth of 14.4% and nominal 11.9%. He said "the boom in the Bahamas continues," noting the recovery from the COVID period.

Prime Minister Davies said he believed the government's fiscal policies, including cutting VAT, had "contributed significantly" to growth. He mentioned other elements, including the digitization of state services, especially the granting of concessions and legal reforms.

The total number of tourist arrivals has increased significantly, he said. Household spending is expected to grow by 7% through 2022. New Providence's GDP is projected to grow 17%. Premier has also seen growth on islands such as Rum Cay, Cat Island and San Salvador. Exuma also accounted for 2.1 percent of the country's economic growth after a 33 percent year-on-year increase in GDP due to a surge in tourism, he said. In 2022, Andros achieves an economic growth of 6.2%, with real estate contributing the most. Bimini and Berry Island will grow 59% in 2022. But it's not all good news -- Abaco has weathered the recession and is still not at pre-Dorian levels. Housing and construction slowdown led by Prime Minister Davies.

Grand Bahama accounts for 12 percent of Bahamian GDP, but the economy is down 9 percent year-over-year, despite a slight improvement in tourism, Premier Davis said. The prime minister said statistics showed "the continued economic decline in Grand Bahama."

10.40 Mindfulness:Premier Davis stated that the Budget is designed to enhance national security, economic security and the lives of the people of the Bahamas. The global economy is showing signs of improvement, although they still have a lot of work to do to recover from recent challenges, he said. Average consumer prices in the U.S. have risen 8 percent, while interest rates have risen 10 times, largely due to higher inflation, he added. It illustrates the impact of rising borrowing costs on the Bahamas.

(Video) Best Budget Comm System - CAME-TV 🆚 Hollyland Solidcom C1


How are communications budgets established? ›

There are four common methods used by companies to decide on the communications budget. These are the affordable method, the percentage-of-sales method, the competitive parity method, and the objective-and-task method. Many companies employ more than one method to arrive at relatively accurate budget figure.

What is the purpose of budget communication? ›

A communication budget will be a key point of reference throughout the year (or quarter). If your company is experiencing hardship, you'll need full budget visibility in order to figure out where you can be lean and where you can splurge.

What is budget in communication? ›

A communication plan budget is the estimated cost of all the activities and resources needed to execute a communication plan for a project. It is an essential part of project management, as it helps to align the expectations of the stakeholders, manage the risks, and monitor the progress of the project.

Who introduced the concept of budget? ›

The first budget of India was submitted on 18 February 1860 by James Wilson. P C Mahalanobis is known as the father of Indian budget.

Is budget a form of communication? ›

On a basic level, the budget of a particular project or marketing scheme that you intend to run can be used as a communication tool to help you share ideas about the project with your team members.

What are the advantages of communication in budgeting process? ›

Better communication

Using this information channel for the budget can help senior managers to understand better the needs and experiences of employees within their organization. It can also help junior employees to gain an opportunity to share their ideas, with the goal of improving their work environment.

What is the importance of budget information? ›

A budget can help you determine your long-term goals and put you on the path of working towards them. Having a set criteria or map of how to allocate your spending will ensure you can live within your means and work towards the purchase of those items such as a new car, down payment on a house or even a family holiday.

Why is budget important in organization? ›

It allows a business to plan out expenses, reach business goals and anticipate any operational changes as needed to support the business. A budget helps a business understand its operating costs and can be used to track performance.

What are the two main purposes of a budget? ›

Having a budget keeps your spending in check and makes sure that your savings are on track for the future. Budgeting can help you set long-term financial goals, keep you from overspending, help shut down risky spending habits, and more.

How do you communicate budget to management? ›

Plan to favor verbal two-way communications for complex and perceived difficult budget issues. Verbal messaging opportunities, while appearing less formal, encourage two-way sharing of comments, probing questions, and ideas for tactics and solutions.

How do you explain a budget? ›

What is a budget? A budget is a plan you write down to decide how you will spend your money each month. A budget helps you make sure you will have enough money every month. Without a budget, you might run out of money before your next paycheck.

What is the basic concept of budget? ›

A budget is a spending plan based on income and expenses. In other words, it's an estimate of how much money you'll make and spend over a certain period of time, such as a month or year. (Or, if you're accounting for the incoming and outgoing money of everyone in your household, that's a family budget.)

What is the history of budget? ›

The origin of budgets 1760-1920

The English word budget is derived from the Latin word “bulga” meaning a leather bag or knapsack used for carrying supplies of food. Later, budget was extended to mean not merely the container but also the thing it contained. The budget began in England.

Where did budgets originate? ›

Federal agencies create budget requests and submit them to the White House Office of Management and Budget (OMB). OMB refers to the agencies' requests as it develops the budget proposal for the president. The president submits the budget proposal to Congress early the next year.

What are the 3 main types of budgets? ›

What Are The Three Types of Budgets
  • Balanced Budget. A budget is deemed a balanced one if the expected government expenses equal the estimated government receipts during a given financial year. ...
  • Surplus Budget. The second of the three types of budgets are the surplus budget. ...
  • Deficit Budget.
Jan 31, 2023

What form of communication is? ›

Communication can be categorized into three basic types: (1) verbal communication, in which you listen to a person to understand their meaning; (2) written communication, in which you read their meaning; and (3) nonverbal communication, in which you observe a person and infer meaning.

Why should a business communicate its budget to employees? ›

This assists the staff in making sure work gets planned in a timely manner and specifies how long personnel have to gather information and make decisions.

What are five benefits of communication? ›

Here're a few major ways in which effective communication helps:
  • Creates better relationships. ...
  • Helps handle conflicts better. ...
  • Builds empathy. ...
  • Increases self-awareness. ...
  • Builds trust.
Sep 12, 2022

What is the benefit of communication system? ›

It ensures everyone understands their duties and responsibilities, helps build quality client and employee relationships and keeps employees engaged and productive. Business owners should prioritize effective communication in their organization if they want to ensure employee satisfaction and promote high performance.

What is the most important purpose of the budget? ›

The purpose of budgeting is to provide a financial framework for the decision making process i.e. is the proposed course action something we have planned for or not. In managing a business responsibly, expenditure must be tightly controlled.

Can you explain the budgeting process? ›

The budgeting process lets an organization plan and prepare its budgets for a set period. It involves reviewing past budgets, identifying and forecasting revenue for the coming period, and assigning amounts to spend on a company's various costs.

What is the most important thing in budgeting? ›

The key to creating a successful budget is to add up all of your revenue sources over a 12-month period, forecast your expenses to estimate your profit (the difference between your revenue and costs), and frequently review your budget through monitoring monthly.

What are the challenges of budgeting? ›

Budgeting problems
  • Rigid Decision-Making. ...
  • Time Required to Complete the Budget. ...
  • Gaming the System. ...
  • Blame for Outcomes. ...
  • Expense Allocations. ...
  • Use It or Lose It. ...
  • Only Considers Financial Outcomes.
Apr 2, 2023

What is budget planning? ›

What is budgeting planning? Budgeting planning is the act of creating and maintaining a budget, then using it to make strategic business decisions and guide organizational changes across various departments.

What are the roles of budget? ›

Budgets can be called upon to play a variety of roles. We shall discuss five of these. Three are major roles: planning, motivation, and evaluation; two are minor: coordination and education. Planning—Operational budgets are plans; they provide details of what management hopes to accomplish and how.

What are the two key factors that influence a budget? ›

Factors Affecting the Budget
  • Income of the Family.
  • Size of the Family.
  • Composition of the Family.
  • Occupation of the Family members.
  • Intercity Differences.
  • Family Goals.
  • Socio-economic Status of the Family.
  • Gainful Employment.
Mar 31, 2012

What is budget management? ›

What is budget management? Budget management, sometimes called budgetary management, is the overseeing of revenue and expenditure tracking in an organization. Managing a budget involves analyzing current spending, organizing purchases by category, and monitoring cash flow over time.

What will happen if the budget is not met? ›

A budget deficit can lead to higher levels of borrowing, higher interest payments, and low reinvestment, which will result in lower revenue during the following year.

How do budgets help in organizational control? ›

Budget controls are necessary to ensure that a government does not spend more than the amount legally appropriated by its governing body. By establishing clear spending boundaries, budget controls also promote accountability and bolster trust throughout the organization.

How do you budget professionally? ›

Once you have your goals in place, you can create an effective, foolproof budget by following these steps.
  1. Analyze costs. ...
  2. Negotiate costs with suppliers. ...
  3. Estimate your revenue. ...
  4. Know your gross profit margin. ...
  5. Project cash flow. ...
  6. Factor in seasonal and industry trends. ...
  7. Set spending goals. ...
  8. Bring it all together.

What are the 6 key things to know about budgets? ›

Six steps to budgeting
  • Assess your financial resources. The first step is to calculate how much money you have coming in each month. ...
  • Determine your expenses. Next you need to determine how you spend your money by reviewing your financial records. ...
  • Set goals. ...
  • Create a plan. ...
  • Pay yourself first. ...
  • Track your progress.

Why is it called a budget? ›

The word budget is derived from the Old French bougette (“little bag”). When the British chancellor of the Exchequer makes his annual financial statement, he is said to “open” his budget, or receptacle of documents and accounts.

What are the 5 basic elements of a budget? ›

What Are the 5 Basic Elements of a Budget?
  • Income. The first place that you should start when thinking about your budget is your income. ...
  • Fixed Expenses. ...
  • Debt. ...
  • Flexible and Unplanned Expenses. ...
  • Savings.

What does budget mean in old terms? ›

In English “budget” first meant “pouch, wallet, bag.” However, these were not necessarily used to carry money. “Budgets” were more often used by travelers, messengers, tinkers, and peddlers to transport small goods. For example, Shakespeare wrote tinkers “bear the sow-skin budget.”

Which budget is prepared first and why? ›

Answer and Explanation: The sales budget should always be prepared first. The sales budget is an important component of the budgeting process and it indicates the forecast of units that will be sold in the period as well as the revenue to be earned from these sales.

What are the characteristics of a budget? ›

To be successful, a budget must be Well-Planned, Flexible, Realistic, and Clearly Communicated.

When did the US start submitting budgets? ›

The Budget and Accounting Act of 1921 gave the President overall responsibility for budget planning by requiring him to submit an annual, comprehensive budget proposal to the Congress; that act also expanded the President's control over budgetary information by establishing the Bureau of the Budget (renamed the Office ...

Who created the Office of the budget? ›

History. The Bureau of the Budget, OMB's predecessor, was established in 1921 as a part of the Department of the Treasury by the Budget and Accounting Act of 1921, which President Warren G. Harding signed into law.

Who controls the budget and the release of funds? ›

Congress is tasked with producing a budget resolution and 12 appropriations bills for each federal fiscal year, which begins on October 1.

What is the difference between budget and budgeting? ›

The budget is a formal quantitative expression of the goals of management. The act of preparing a budget is called budgeting. The use of a budget to assist management in the controlling process is called budgetary control. However, in the budgeting process, these three terms are sometimes used interchangeably.

What are the 4 common budgeting methods? ›

The five most commonly used business #budgeting methods are the zero-based budget, incremental budget, activity-based budget, value proposition budget, and Flexible budget. each of these methods has its #advantages and #drawbacks, so it's important to choose the one that is best suited for your business.

What is the classical theory of budgeting? ›

The classical theory of budgeting advocated surplus budget when governmental spending was meagre and remained confined to negative functions of a police state. Both the revenues and expenditures were listed as few items on the budget and the difference of surplus revenue was called 'surplus budgeting'.

Which method for establishing the total marketing communications budget? ›

2) Competitive parity method. It is one of the techniques to establish the total marketing communication budget.

How do you develop a communication plan for a company? ›

Here are six steps you can follow to create and execute a communication plan.
  1. Analyze how you stand out. First, think about how you stand out from the competition. ...
  2. Develop a tagline. ...
  3. Choose target audience. ...
  4. Select communication channels. ...
  5. Define objectives. ...
  6. Execute your plan.

How are advertising and marketing budgets established? ›

Companies use different strategies to develop marketing budgets, including the following: Revenue-based. One way to determine your marketing budget is to review your annual revenue sheets and set aside a percentage. Some businesses might allocate between 6.5% and 8.5% for marketing purposes.

What are the factors to consider for marketing communications budget? ›

Here are five factors to consider when creating your marketing budget.
  • Your Target Audience. Start with your target audience in mind. ...
  • Marketing Goals. ...
  • Past Marketing Budgets and Results. ...
  • What Mediums You Want to Advertise On. ...
  • How Long/Often You Want to Advertise For.
Jun 2, 2020

What are the different types of marketing communications budgets? ›

Options include print, broadcast, digital, direct mail and outdoor. An advertising budget should include the cost of creating ads, buying media and conducting post-buy research to evaluate its effectiveness.

What are the three marketing budget techniques? ›

The most common are listed below: Percentage of Sales method. Objective and Task method. Competitive Parity method.

What is the most widely used budgeting approach in marketing? ›

Percentage Method

This approach is the most common for organizations. This method involves setting a budget by percentage of sales, sales goals or gross markup. The percentage used can be derived from your company's past performance and/or industry standards.

What are 3 communication strategies? ›

Communication strategies are categorized into three kinds: non-verbal, visual, and verbal communication strategies.

What are the 4 factors to consider when creating a communication plan? ›

  • Developing a communication plan.
  • A communication plan is a strategic blueprint for delivering consistent, coordinated, and targeted messaging to achieve specified goals.
  • Specify goals.
  • Identify target audiences and objectives.
  • Craft key messages.
  • Determine communication strategies.
  • Develop a dissemination and outreach plan.

What is a budget plan for marketing strategy? ›

5 steps you need to know to plan your marketing budget
  • Define your business strategy and marketing plan. A marketing budget is simply an instrument to help you achieve your business goals. ...
  • Determine your current marketing spend. ...
  • Measure the effectiveness of your spending. ...
  • Optimize your efforts. ...
  • Follow up and give guidance.

What is budget in marketing strategy? ›

A marketing budget is an outline of the costs that a company will spend to market its product or service. The marketing budget covers a finite period of time, the length of which can be anywhere between a quarter to a year. The marketing budget includes all expenses related to the advertising campaign.

What is marketing budget strategy? ›

A marketing budget is the total amount of money you have to spend on your marketing strategy. A marketing budget plan is a detailed document that outlines where you will invest your marketing funds, along with the who, what, why, and how of each expected expense.

What are the three benefits of budgeting in marketing communications planning? ›

Provides clear sense of direction for the management of your marketing efforts. Allocates scarce financial resources more effectively. Encourages coordination and planning with other areas of – and people in – your business: finance, operations, HR, etc. Provides a basis for assessing actual results.

What are the major factors that influence advertising budgeting? ›

Factors affecting the advertising budget
  • Marketing goals.
  • Target audience.
  • Types of products.
  • Selected media types and their frequency.
  • Expected profit.
  • Product life cycle stage.
Apr 13, 2022


1. Budget vs High End Comms : How to set it all up - A tribute to Hoplopfheil
(Thin Line Defense Co)
2. InnoSpaceTool 10: Link Budget - Part 1
3. Emergency Communication Budget Presentation 2019
(#ClackCo TV)
4. Rethink Your Marketing & Communications Budget
5. Budget Debate 2023-2024 Day 4
6. Emergency Communications Budget Presentation 2018
(#ClackCo TV)


Top Articles
Latest Posts
Article information

Author: Wyatt Volkman LLD

Last Updated: 07/22/2023

Views: 5642

Rating: 4.6 / 5 (46 voted)

Reviews: 85% of readers found this page helpful

Author information

Name: Wyatt Volkman LLD

Birthday: 1992-02-16

Address: Suite 851 78549 Lubowitz Well, Wardside, TX 98080-8615

Phone: +67618977178100

Job: Manufacturing Director

Hobby: Running, Mountaineering, Inline skating, Writing, Baton twirling, Computer programming, Stone skipping

Introduction: My name is Wyatt Volkman LLD, I am a handsome, rich, comfortable, lively, zealous, graceful, gifted person who loves writing and wants to share my knowledge and understanding with you.