Finance Tips

Market Capitalization

2010-02-02T16:31:00.001+07:00

One thing newbie investors are often confused about is a stock's market capitalization. A company's market capitalization is simply the value of the company as priced by the stock market. The market capitalization is taken by the price of the stock times the amount of shares outstanding.

For example, if there are 100 million shares of company XYZ and those shares are trading at $35 a share, then company XYZ has a market capitalization of $3.5 billion.

Stocks with a larger market capitalization are generally seen as 'safer' investments, since the company itself is larger. However, large-cap stocks also do not have as much growth potential as small cap stocks. For a $1 billion stock to triple, it just needs to become a $3 billion company. For a $200 billion company to triple, it needs to become a $600 billion company.

Stocks are generally classified as mega-cap, large-cap, mid-cap, small-cap, or micro-cap stock based on their market capitalization. There is no set definition for these terms. What some consider a small-cap others might consider a micro-cap. Nevertheless, here's a general guideline to give you an idea what market capitalizations fit these terms:

Mega Cap: $200 billion or more (very few companies fit this category)

Large Cap: $10 billion to $200 billion

Mid Cap: $2 billion to $10 billion

Small Cap: $250 million to $2 billion

Micro Cap: Less than $250 million

Choosing A Good Stock Investment Broker

2010-01-09T00:55:00.000+07:00

If you want to invest in the stock market, you need to find a stock broker. Most people just use brokers that either their friends or family use or they see an advertisement on TV. Most of the time, these brokers are just fine. But with a little bit of research, you should be able to find the best stock broker for you. Here are the factors that you should consider when shopping around for a broker:

Place trades through the Internet

Some brokers allow you to place trades via phone, in-person, or through the Internet. Whatever the case is, the key is that you need to be able to place a trade online. Placing a trade online will generally cost you between $7-$15, whereas placing a trade over the phone or in-person can cost you anywhere between $25-$100. The difference in savings between making an $8 trade and a $10 trade is nowhere near the difference in making a $10 trade and a $50 trade. So whatever you do, make trades online.

Any advice or research they give is generally useless. Don't pay much for it

Some firms justify higher prices based on 'personalized research' or 'excellent investment advice.' Almost always, these perks are worth little. Again, if it's the difference between making $8 trades with no help and $10 trades with some help, go with the $10 trades if you want the advice or research. But don't be paying $50 a trade and up for research and advice. Chances are you are best served just investing in index funds or ETFs anyway.

Use a beginner-friendly broker

There are some brokers that are more geared for frequent traders and professionals, such as Interactive Brokers. There are others that are geared more for beginners, such as TD Ameritrade. For most novice investors, it is much much better to go with beginner-friendly brokers. The brokers geared for professionals offer lower trading fees and some advanced tools, but this will most likely just confuse beginning investors. Investment firms such as TD Ameritrade, Fidelity, etc. are very easy to use, and their trading costs are still relatively low as long as you use internet trades.

Know Your Role - How About Their Roles?

2010-01-02T12:53:00.000+07:00

It seems pretty obvious that employees need to know what their own jobs require -- their roles, responsibilities and authority levels. We don't expect people to do their jobs effectively if they don't know what they are supposed to be doing. However, one area that people tend to ignore is how well employees understand what OTHER PEOPLE DO in their organizations. Why might that be important?

Recently, I was doing some training in customer service and defusing hostile customers for a fairly large organization. A constant theme kept emerging (and it's quite common). A customer would call in with some sort of difficulty or problem, and the person answering the phone would transfer the caller to someone else. Unfortunately, the next person taking the call was not the right person, or was unavailable, leaving the customer to leave voice mail, or once again, get shuffled to someone else. Often the frustrated customer would end up calling the first person back to holler at them.

How does this happen? Are employees stupid? Or perhaps can't be bothered? Probably not. They simply lack the information they need to provide good quality customer service to callers. And what's the outcome? First, angry customers. Second, stress and frustration on the part of staff caught in this shuffle. Third, some terrible inefficiencies for the organization itself, which impacts the bottom line.

The problem is that we don't educate staff in the "bigger picture". In this case, that bigger picture relates to what other people do, their various expertise, and the relationship of other employee's jobs to each other. Before we talk about specific "fixes", consider this.

It's very rare that employees work is independent of the work of other people in their workplaces. These days, getting jobs done has become more complicated, where the ability to get something accomplished often involves cooperation with others, or some degree of teamwork. Customer service aside, workplaces where people understand their own jobs and the jobs of others (like how the whole puzzle fits together) are going to be more effective and more productive.

Helping People Understand The Larger Puzzle

New employees should be oriented and educated not just about their own jobs, but about what other people do, and who to talk to when faces with different kinds of situations. They need to know who has decision-making power, and who has expertise they may need. That's far more important than knowing where the washrooms are (well, that's debatable!).

Workplaces are constantly changing. Responsibilities change, and so do job roles. Management should take an active role in keeping employees up to date about changes that affect not only their own jobs, but the jobs and roles of others. This is even more important in team based and project based environments. Regular staff meetings can be used to do this in an ongoing way, and need not be time intensive. Often, staff updates can take only a very few minutes.

Here's the most important part. And this applies to every employee. Employees tend to hesitate about asking too many questions, for fear of looking stupid or being perceived as a nuisance. They rely on the human resources department or their supervisor to tell them what they need to know. Unfortunately, supervisors don't always know what employees need to know, or haven't thought about it, and they can't read minds. So, it's important that employees take on responsibility for their own understanding of what other people do. Employees! Listen up! ASK! You can't do your job well if you don't know your own role and what other people do. You can't do your job if you don't know where to refer a customer with a particular problem.

Let's end this by listing some things that people should know:

Who has authority to make decisions about specific issues (which people, which issues)?
Where does the expertise lie to deal with particular issues?
What procedures should be used to involve people who need to be involved in a particular issue?
When a particular person who needs to be involved is unavailable, is there a backup procedure (someone else to contact)?

The nice part about all this is that it isn't rocket science, but it is neglected. Human resources, managers and employees can all take responsibility and make sure that employees know and understand their own job responsibilities and roles, and those of others who fit into the completed "puzzle" of getting things done effectively and efficiently.

Improve Your Debt Management Skills

2009-12-10T21:42:00.000+07:00

If you are struggling with debts, and would like to feel in full control of your finances, you should consider improving your debt management skills.
Why?

Improving your debt management skills could allow you to:

• See exactly how many debts you have.

• See exactly how much you owe, and who you owe it to.

• See exactly how much you are required to pay towards your debts each month.

• See if you can actually afford to service your debts each month.

• Get a rough idea of when you should be debt free.

How?
Improving your debt management skills can actually be pretty easy.

The first you thing you should do is create a budget. This should help you see exactly how much money you are earning / receiving each month, along with exactly how much money you need to spend each month. Knowing these two figures should give you a rough idea of whether or not you will be able to afford to service your debts each month (providing you know how much they will cost you).

To find out the exact amount of money you have available to pay towards your debts each month, you should do the following:

Total monthly income minus total monthly essential expenditure (mortgage/rent payments, secured debt payments, utility bills, food, etc.).

The amount you are left with is called your 'disposable income' - and as mentioned, this is the money you will have available each month to pay towards your unsecured debts, as well as spending on non-essentials and saving for the future, if you can afford it.

Creating a budget is just one of the ways you could improve your debt management skills.

When?
In general, the sooner you take action to improve your debt management skills, the better. The earlier you address your problems, the easier they should be to tackle. If you simply leave your debts to grow and don't take action against them, they will probably get worse.

Bankruptcies Hit Retirement Communities

2009-12-03T21:55:00.000+07:00

The recession is hitting elderly people where they live, literally. Financial problems have been mounting at a number of assisted-living and continuing-care communities, forcing some facilities into bankruptcies and inflicting new worries on residents and their families who thought their life plans were comfortably set. In recent weeks, Erickson Retirement Communities, which manages 19 continuing-care retirement communities in 11 states, declared bankruptcy. Sunrise Senior Living Inc. posted a quarterly loss of $82 million and announced plans to sell off 21 of its assisted-living communities. Nationally, smaller retirement communities are raising their prices, changing the way they operate, selling themselves off to bigger chains, or getting out of the business altogether. Many companies say they can't make a profit—or even succeed on a nonprofit basis—in an environment that combines the high cost of caring for elderly residents, restrictive Medicaid budgets, tight credit markets and fewer residents willing and able to pay top dollar for their care.

When a facility fails, it can have myriad effects on the residents. The good news is that no one gets kicked to the curb–at least not right away. "Nobody has ended up on the street, which is a primal fear when you're dealing with these places," says Jason Frank, an elder-law attorney in Baltimore. "But their fees can skyrocket, and they can become unaffordable. Then they can kick you out for nonpayment." In some cases, residents may find that the sizeable deposits they made to get their apartments in the first place have disappeared. (Continuing-care communities like Erickson's typically charge deposits of $150,000 or more, and assure residents that they can stay on the campus for the rest of their lives regardless of how their needs change, and that the deposits will be refundable to themselves or their heirs when they leave or die. But residents typically also have to pay monthly fees for care, and those fees can continue to increase. Assisted-living facilities like Sunrise generally require no deposits but charge a monthly pay-as-you-go-plan.) That's what happened to the 170 people who lived in Covenant at South Hills in Lebanon, Pa. Their deposits went up in smoke when their facility was sold in bankruptcy to Concordia Lutheran Ministries, which did not take on that liability. Several are now suing B'nai Brith Housing, the original operator of Covenant.

Erickson executives say that their bankruptcy filing will have no impact on residents. "We've refunded every single deposit in our 26-year history," says Tom Neubauer, the firm's executive vice president of sales. "People moving in are completely unaffected by all this." Erickson's corporate organization is complex, with each community (and that community's deposits) owned by a separate nonprofit entity that is not part of the bankruptcy filing.

But residents could face disruptions. Newer communities that haven't been completely built out yet may not have their assisted-living and nursing-home wings, so residents who need higher levels of care may end up being transferred to other facilities. Should various nonprofits not be able to resell units at the same price as the original buyers paid, those original buyers might not get their deposits back. And residents who run through their personal savings and their deposits paying for ever-higher levels of care will have to depend on an optional "benevolent fund" to cover their expenses.

Erickson has a solid reputation and good track record for keeping residents for the rest of their lives, but anyone shopping for retirement housing now should think thrice about the financial risks of their arrangements. "You've got to keep your eyes open," says Eric Carlson, director of the long-term-care project for the National Senior Citizens Law Center. "If you look at the agreements, sometimes what you're being promised is not that much. The provider may be reserving the right to force you to leave for various reasons." Often there's a generic "can't meet your needs" clause in the contract.

He recommends that refundable deposits be set aside in escrow accounts, and that anyone signing a long-term-care contract run it by an elderlaw attorney first. (They can be found at the National Academy of Elderlaw Attorneys.) His organization also has an online checklist of questions that should be asked before moving into a retirement or assisted-living community.

Carlson also says he generally prefers the financial advantages of the pay-as-you-go models, but even consumers who choose facilities that only charge rent on a monthly basis may not be saving their nest eggs for long. Sunrise has raised prices as it has gone through several quarters of financial trouble. It can cost $6,000 or more a month for quality assisted living, and $9,000 for nursing-home care. At those rates, it's not hard to run through life savings in a hurry, and then not every assisted-living facility will keep you. Many don't take Medicaid or other subsidies, and some facilities that had taken Medicaid have switched to no-Medicaid policies. That leaves those residents who have no assets with no place to live. Nationally, discharge-related complaints about nursing homes and assisted-living facilities have doubled in a decade—to 12,237 in 2008, according to the U.S. Administration on Aging. It's now the second-most-common complaint at nursing homes, behind "failure to respond to requests for assistance." And it's the third-most-common complaint at assisted-living facilities, behind problems with medication administration and disappointment with the food.

Complicated state rules can then force newly impoverished residents to go into nursing homes for at least a month so they can qualify for Medicaid, and then back out into another assisted-living facility, says Beverley Laubert, the long-term-care ombudsman for Ohio and president of the National Association of State Long-Term Care Ombudsman Programs. She and her colleagues are called in when facilities declare bankruptcy or force residents to relocate because of policy changes, but usually they can't force facilities to keep residents. Instead, they spend much of their time helping residents who thought they'd found their final homes look for new places to live in a market where, now, nothing is certain.

Gear Up for the Holidays

2009-11-25T11:50:00.000+07:00

You can't claim to have lived in New England until you've gotten through a winter. The same could be said for e-commerce sites. Whatever track record you've had the rest of the year, the real proof that your online business is viable comes some time after the holiday crunch. Did you handle the high volumes without sacrificing customer care? Did you not only deliver the goods for current customers but also attract new ones? Did you, your staff and website emerge intact? Is your accountant smiling?

If the answer to these questions is generally "yes," then you should be smiling, too. But here's my advice: Think of the holidays as a stress test for your organization. You won't always be dealing with these kinds of volumes, but the best practices you embrace now will pay dividends the rest of the year.

In that spirit, here are some tips for the holiday season.

Use incentives to keep a steady flow
One of the most important safeguards against getting overwhelmed is to level out the volume spikes that can catch your organization off guard. The steadier the flow of traffic to your site, the better. Conversely, if 90 percent of your customers place their orders on Dec. 22, you're going to look unprepared no matter how much preparation you've made.

Begin by working out a set of incentives that will get your customers buying early. Possibilities include free gift wrapping, free shipping, two-for-one offers, coupon codes for later purchases, and, especially popular in today's economy, merchandise discounts and promotions. Then make sure your customers are aware of the offers by highlighting them on your home page. You can also e-mail your most valued customers, as long as you don't wear out your welcome. Finally, monitor the results to see what your customers are responding to. That knowledge will help you rev up sales during slow periods throughout the year.

Clearly communicate the true cost
The trend in e-commerce sites is to eliminate as many hidden costs as possible. Transparency is especially important during the holiday season, when customers have even less patience for unhappy surprises. Customers report that hidden shipping costs are the most frequent irritant--especially when those costs are unexpectedly high and only appear at the final stages of checkout. That ploy can lead to shopping cart abandonment--the merchandise is at the "register," but the customer has departed.

Instead, let customers know as soon as possible in the process what shipping will cost. Most of us know what it costs to mail a package, so keep those costs in line with customer expectations--or go one better and offer free shipping as an option. Some customers will always want more expedited shipping, but all will appreciate the opportunity to get standard shipping for free. And again, that's true not only during the holidays, but throughout the year.

Take customer support seriously--but let's chat
The time has long passed since the days when an e-commerce site could hide from its customers by not responding to queries. Phone calls are usually best, but not every online company has the resources to handle them, especially during the holiday crunch.

What to do? Resist the urge to bring in people who can answer the phone, but lack the expertise to truly represent your store. A badly handled call is worse than an unanswered one. Instead, consider online chat. The medium isn't as personal as the phone, but skilled representatives can conduct five or 10 chats at once--and customers will quickly recognize whether the people at the other end know what they're doing. Of course, e-mail can also be effective as long as you're diligent about responding quickly--an e-mail black hole is worse than no e-mail at all. And what if you're truly underwater from customer queries? Apologize, get a number and a good time to call--and call back.

Use "heat map" technology to track what clicks
Here's another place the holiday stress test can serve you well in the coming year: tracking what people actually do on your site. Companies like CrazyEgg, and Clickdensity offer services that can show you how people are navigating your website, with the ability to experiment with new designs that are more effective. While the holiday season is no time for a major redesign, you can make quick fixes, and then use this invaluable data to make bigger changes later on.

Improve checkout
One reason people have flocked online for their holiday shopping is that when they're ready to check out, they're always first in line. So make sure you've exceeded customer expectations during those final, crucial mouse clicks. The key is to reduce the number of hoops customers must jump through, while giving them different options to pay. For example, the checkout process should securely retain customer data so that people don't have to re-enter their information with each purchase. You should also offer a variety of payment options so that shoppers can use their preferred payment method, including a buy now, pay later plan, which is especially important in these cash-strapped times.

When your customers check out, they should also feel safe. Over the past few years, many people became online shoppers only after they overcame their fear of making online transactions. Once they had a good experience, they returned online for more. In that sense, every successful online transaction is a win for our industry as a whole. So do your part: Make sure your customers are feeling safe by giving them a truly secure method of paying.

What is a Debt Management Plan

2009-11-09T19:45:00.000+07:00

The economic downturn has led to debt taking centre stage in the media and news coverage. But debt certainly is nothing new. Consumers often depend on their credit cards, purchase household items with a credit line and take out loans and mortgages. So debt is, for many, simply a part of life.

Traditionally, when debt becomes too difficult to manage, individuals find themselves bankrupt. And while most of us know what bankruptcy is, far fewer of us are fully aware of other alternatives, such as debt management plans.

A debt management plan is, effectively, an informal agreement made between the debtor and the creditors. More of than not, this is negotiated with the assistance of a Debt Management company. The way it works is for the company to establish what you can realistically afford to pay off your debts each month. You must have some form of income and be able to pay at least something. They will take into account your income and living expenses to work out what you can afford to pay off your debts each month and then approach your creditors. Often, the debt management company will attempt to negotiate your outstanding balances down one way or another or to freeze interest. However, because the approach is informal in nature, the creditors are in no way obliged to accept any offer. If your creditors do agree to the offer, you will simply make one monthly payment to your debt management company. They will then divide this accordingly between your creditors for the duration of the debt management plan. This is often five years, at the end of which time your debts are considered to be settled.

Because of this effective timeline of being out of debt, the debt management plan is proving particularly popular. However, if you debts exceed £15000, you’re unlikely to be eligible and may instead have to look into the more formal, legal alternative of the IVA.

Effective Ways During Tight Economy

2009-11-05T00:16:00.000+07:00

Tipping in a recession is a dilemma. Do you stick with the 18 to 20 percent formula or retreat to 15 percent? Do you skip an appetizer, a glass of wine or a dessert to lower your dining bill and thus your tip?

It's a subject that millions of diners and travelers are wrestling with.

A lot of people whose income has vanished or shrunk because of layoffs, salary cuts and shrinking fixed incomes have cut back. Instead of going out to dinner every week, they settle for once a month. If they take a trip, they trade down, choosing less-expensive accommodations and restaurants.

As a result, minimum-wage wait staff, bellhops and hotel housekeepers have taken a huge hit, if they're not among the nearly 10 percent of workers who are jobless. There is nothing wrong with cutting back, but give pause when you think about stiffing your waiter or hotel maid to save a few dollars.

"I believe that customers are tipping a smaller percentage of the bill," said Michael Lynn, a professor at Cornell University's School of Hotel Administration. "I base that on anecdotal encounters, lots of things on the Internet - servers say they are making less money." A server quoted in The New York Times put it this way: "In New York, the average tip is 20 percent, though some tip as low as 15 percent and some as high as 30 percent. These days our tips are closer to 17 percent, with a range of 10 to 25 percent.

"This drop in tips registers to $60 less a night. Over five shifts a week that is $300 less per week! But we are working just as hard as we used to, perhaps even harder, trying to get people to forget their troubles for a few hours. ... It's not fair for people to take out their economic troubles on the server. If one cannot afford to tip, then perhaps that person should be ordering less." Lynn, who has done extensive research on tipping, said that "during bad economic times, people become more price-sensitive."

At hotels, Lynn said, only two-thirds of guests normally tip maids, who should get $1 to $2 a night.

In bad times and good, Lynn said, servers can increase their tips by using tested techniques found in Mega Tips, published by Cornell's Center for Hospitality Research and available for free on the Internet (Google "mega tips").

Among Lynn's 14 points (most effective in casual-dining restaurants): Wear something unusual, introduce yourself by name, smile, squat next to the table, repeat customers' orders and write "thank you" on the check.

At hotels, it's hard to miss the bellhop, who usually gets $1 to $2 a bag, unless you are traveling light and politely wave him off. But there is little a housekeeper can do to earn a few extra bucks except to hope that guests remember.

If you are traveling abroad, where there also is a recession, keep in mind that tipping customs vary by country, so consult with your travel agent, a government tourist office or the worldwide tipping chart.

In Europe, many hotels and restaurants add a service charge to your bill, so additional tipping isn't necessary. In Japan, tipping is considered an insult. That feeling is changing, but it's best to inquire about the proper way to reward someone.

Even in a recession, there are no hard and fast rules for tipping. And whether at home or abroad, tipping is a personal matter. But however you feel about tipping, keep in mind that workers at the service end of the business are getting hit as hard as if not harder than anybody. Why not give 'em a break?

Using a Pay Day Loan in a Tough Economy

2009-10-27T17:14:00.002+07:00

At no time since 1974 has there been such a downfall in the American economy. Unfortunately, in 2008 alone, some 2.6 million people lost jobs. In just two months, from November 2008 to January 2009, unemployment numbers climbed from 6.7% to 7.2%, being the highest increase since 1993. Obviously, this has put many people in a troubling financial situation. The fortunate numbers of people that still have steady income are tightening the budget and some are still living paycheck to paycheck. For these people, sometimes they end up needing a short-term financial solution, which is available in the form of a pay day loan.

In summary, a pay day loan is unique, being a loan intended for emergencies. This type of loan is designed only as a short-term solution whereby the payoff date is typically within 30 days. However, reputable lenders offer extensions but these should only be used if necessary in that a higher interest rate might be charged, along with additional fees.

People caught up in this tough economy find that sometimes, they face a financial crisis in between paychecks. With no money in savings and having numerous friends and family members without jobs or also living on a tight budget, they feel there is nowhere to turn. In some cases, people become so stressed that work production and performance are affected, which means their job could be at risk. Instead of people fearing the worst, they need to know that a pay day loan can help if through the right lender and used for the right reasons.

Although some people take out a pay day loan for frivolous purposes such as a vacation, throwing a party, or even shopping, which is fine, a payday loan is actually more beneficial when used for difficult financial situations. The reason is that typically, interest rates are higher than with a conventional loan so it would make more sense for the vacation, party, or shopping adventure to be postponed until the person has the cash. On the other hand, if a person needed quick and easy money for a car repair, medical bill, utility bill, or some other need, a pay day loan offers a viable solution.

According to the president of the Economic Policy Institute, the labor market is unraveling and soon, unemployment is likely to hit 10%. Sad as this may be, experts still believe this situation is only temporary and that within a year or two, things will begin to turn around. However for immediate financial needs, even full-time employees are struggling. It seems that when something goes wrong, it is usually just after or weeks before payday, which is why having a means of getting $100 to $2,500 through a payday loan is so great.

Another scenario in which a pay day loan helps is for people that have lost a full-time job and while still searching, have only been able to secure part-time employment. In this case, if something unexpected happened and the person needed a few hundred dollars to get by, the payday loan would provide that person with the money needed. With a 30-day payoff schedule, the individual has enough time to pay the loan in full but if additional time were needed, again, most online lenders offer an extension.

Currently, jobs are available for health services, education, and governmental positions so if someone who had lost one job but was hired for another and then found they had an emergency arise, the pay day loan would also be a viable solution. Even if the person had only been on the new job a few weeks or months, as long as there is proof of steady income and a checking account in good standing, the loan would be approved. Unlike conventional loans where the applicant would be required to be on a job a minimum of six months, the payday or cash advance loan is different.

The good news is that the majority of people that apply for a pay day loan are approved. Again, as long as they have steady income and a bank account without a history of insufficient checks, the loan would be approved. To maintain dignity, going through a reputable online lender allows complete privacy by handling everything from home. While getting a pay day loan is possible through a local money lending company, this also means standing in line with other people, which for some is an embarrassing and demoralizing situation.

Although a pay day loan would be paid by the individual’s next paycheck, the tough part trying to deal with a financial hardship in between paychecks. For instance, if a person’s car had a radiator leak but this was his or her transportation for work, obviously getting the problem fixed would be a priority. With a pay day loan, the person could take out the money needed, get the car fixed, and miss very little or no work.

Great Way to Save Your Money

2009-10-16T16:52:00.001+07:00

Saving (investing on a regular basis) is often done for various purposes. However, if you set aside money regularly, then the money you collect can be very useful.
Someone who has revenue of US$ 1,000 per month, for example, after a year to save the account balance only US$ 200 in the account. Once asked why the amount of the balance of the account only works after a year, he said incomes are often exhausted in use in a month. So, he can not save.
In fact, if he wants to save as much as US$ 100 per month only, then at the end of the year he will have a number of the account balance of US$ 1,200 plus interest.

Whether a situation like this is quite familiar in your ear??

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More about savings.

Tactical Asset Allocation

2009-10-16T16:41:00.002+07:00

Tactical asset allocation is a strategy, under which you maintain a constant surveillance on the movements of the market. This is done in order to adjust the percentages of assets distributed in different sectors. For example, let's say that your current asset portfolio is divided between bonds, precious metals, natural resources, real estate and stocks.

Suddenly, you determine that the price of oil is going to stop it's decline and rise again to the levels of last month. In order to exploit that opportunity, you may sell some of your real estate (which is going through a bubble-period anyhow), and buy some stock from oil companies.

Types Of Assets

There are many types of assets in the market. For example, one of the most renown kind of assets are bonds. Bonds are nothing but loans that are emitted as a security. The loaner receives an interest for the period of time that he has loaned the money to the emitter. There are several types of bonds (fixed rate, variable rate, inflation indexed, among others) and several types of issuers (private companies, supra national agencies, governments, among others).

Another kind of asset is stock. Stock is emitted by companies who wish to raise capital for their organizations. They are usually traded at the different stock markets that are distributed around the world. One of the biggest advantages of the internet is that, thanks to it, you can buy and sell stock from almost any exchange market in the planet.

Other types of assets are real estate, foreign currency and luxuries (like fine pieces of art or collectibles). It will depend on the experience, and knowledge, of the asset manager to determine which is the best one to invest in. And, the only way to do that is to maintain yourself updated on what is happening around the world.

Three FOREX Methods and Concepts

2009-09-30T17:02:00.000+07:00

The following are the three important forex methods and concepts:

Pips
When you trade foreign exchanges certain values are ascertained to the currency prices. Those values are referred as pips. The more number of pips you gain the higher are your profits. For example if you have allotted .1 $ value for a pip and you gain 10 pips on that day then your profit can be calculated by multiplying the value of a pip with the total number of pips gained i.e. 10* .1 $ =1 $

Volume
Volume refers to the extent of trade activities that take place on one particular day. In other words it denotes the amount of money transacted during the day. These volumes are dependent on how busy the exchanges are working. Whenever there is break or less business the volume will be less. Since people work by taking different time zones into account the volume of these exchanges always tend to be very high.

Buying and Selling
They constitute the core activities. You must always buy foreign exchanges when the prices decline sharply and sell them when they increase rapidly in a stock exchange. However these activities take place differently in a foreign exchange. The buyers will get the currencies after anticipating the fall in price but they will also sell it at a lower price on the assumption that prices will further fall so they can buy them back at a very lower price.

Protecting Yourself Against Credit Card Fraud

2009-09-25T04:50:00.000+07:00

While credit card fraud is a problem, here are a few simple steps you can take to greatly reduce the risk of becoming a victim. These are my tips for you.

Sign new cards immediately. When you receive your new or replacement card in the mail, sign it, in ink, right away. If it is a replacement card, destroy the old card by cutting it into many small pieces.
Shred old credit card receipts. You can purchase an inexpensive paper shredder at an office supply store. All old receipts with your credit card number and any unneeded documents with your social insurance number or other sensitive personal information should be shredded before disposal. This prevents the common practice of criminals going through the trash to find receipts and stealing your identity
Never fax your credit card number. Your credit card number can lie for hours in the fax basket at the other end. Anyone passing by can record your number and begin to use your card number fraudulently. It is even possible for criminals to intercept your credit card number while the fax is in transmission.
Use caution when giving your credit card number out on the phone or on the Internet. Only give out your credit card number on telephone calls you initiate to business or organizations you trust. Never give your number out to callers who call unannounced, no matter how legitimate the call sounds.
On the Internet, look for an Internet address that begins https:\\. The “s” indicates that it is a secure connection and a small padlock symbol should appear in the bottom right hand corner of your screen, indicating it is safe to transmit your credit card number.
Call your credit card company instantly if you suspect trouble. All credit card companies have 24 hour lost and stolen help lines. If you lose your wallet or purse or have it stolen, call without delay! Much fraud happens within the first hour or two, before the victim realizes the cards are missing. Your credit card company will block your cards from being used and stop you from being responsible for any charges thieves incur.
Take advantage of any security features your card offers. Many newer cards have the option of including your photograph on the card. This is excellent protection and is highly recommended.

Identify a Target Market

2009-09-17T20:40:00.000+07:00

Before beginning your advertising campaign, it is important that you first identify your target market. A target market is basically the type of person that will want or need your product or services. By targeting a specific market, you will be able to save money by spending less on marketing and increase marketing. The process of identifying a target market is called market segmentation. Using market segmentation, a business can use a top-down approach to identifying a target group or niche. Once you have identified a niche using target segmentation, you will be able to concentrate your efforts on marketing to attract a specific consumer group.

As a business owner or executive, you have probably heard of using market research. Market research is the process of using various techniques to collect, analyze, and report data about potential consumer groups. Formal market segmentation requires comprehensive market research. The market research will help you to identify quantitative and qualitative patterns in consumer groups. Quantitative data refers to numbers such as age, income, and family size while qualitative data relies on characteristics such as education, occupation, and personality. There are severals ways you can go about segmenting a population to target a market. Some are more relevant to your business than others. The following describes different aspects of market segmentation that will help you in identifying a niche and maximizing your marketing dollars.

1. Demographics:

* Age: Teenagers targeted by acne medication company.
* Income: A person earning $200,000 is more likely to purchase a Cadillac than a person earning $10,000.
* Family size: Wholesale distributors that keep prices low by selling in bulk would target larger families.
* Education: A calculator company may target high school math students.
* Occupation: A shoe company might sell a shoe targeted for construction workers.
* Gender: A handbag company will target women.
* Nationality/Race: A small business selling foodstuffs from Africa would target the immigrant African community.

2. Geography:

* Region of the world: The shoe company, Puma, most aggressively targets consumers in Latin America and Europe for their soccer shoes.
* Climate: A snow plow manufacturer will target areas where it snows.

3. Behaviors:

* Brand loyalty: Apple targets a niche of consumers loyal to its products.
* Value of quality: Higher-end watch companies like Seiko target consumers that value high-quality timepieces.

4. Psychographic:

* Personality: A person who likes to show off is more likely to buy a Hummer H2 than a reserved person.
* Lifestyle: A shoe company like Vans, that sells skateboarding shoes would target skateboarders with their advertising.
* Interests: Stores that sell arts and crafts materials target hobbyists and students alike.

5. Other Questions to Ask in Market Research:

* Readiness to buy: How soon will they purchase your product?
* Frequency of purchase: How often will they purchase your product?
* How likely are they to purchase your type of product?
* What kind of music do they like?
* What kind of ____(fill in the blank) do they like?

6. Types of Market Research:

* Surveys are the most commonly used and least expensive market research method available. They can be conducted online, in person, or by phone.
* Focus groups are a method by which companies gain feedback on products by asking questions in an interactive group setting. This method might also be used to gain feedback on services, concept, advertisement, ideas, or packaging.

7. An Introduction to Surveys:

* Establish goals of survey. What market segmentation criteria will you use? Ask specific questions so you won't lose sight of your target.
* Sample size. Who will be asked to complete the survey? The sample size should be as random as possible to ensure a variety of different type of people complete it. Also, the greater the sample size the greater the accuracy of the research.
* Method.
1. Personal interview: Ask past customers to answer some of your questions.
2. Telephone: Hire telemarketers to conduct the surveys for you.
3. Mail: Purchase the addresses from direct mailing companies and mail in bulk.
4. Web-based: Search for a website with a survey panel that has existed for a long time and has good results for past clients. You can also conduct your own research by putting surveys on your website or sending e-mail messages with links to your survey.
* Planning the research.
1. How much will the research method take?
2. How long will it take to write and edit a survey?
3. When will you implement the survey?
4. When will you complete the survey and analyze the data?
* Processing and analyzing data.
1. For large market research campaigns with a very large sample size, computer software is a must. You might want to hire a company that conducts surveys or someone familiar with statistics to help you with this aspect.
2. For smaller market research campaigns you can simply look through the surveys and get an idea of what your niche is.
3. Create a report detailing your findings and how it will fit into your marketing plan.

Short Term Investments, Which Are Best?

2009-09-16T23:00:00.002+07:00

If you need to make money quickly, consider short term investments. Short term investments allow you to invest an amount of money at a high yield interest rate, and gain access to the return sooner rather than later.
There are several short term investment options out there, and the key to making money successfully is finding the best short term investments. And that starts with learning the answer to the question you probably have: what are short term investments?

Defining Short Term Investments
A short tern investment fund is a fund that earns you a return on your money in a short period of time, such as one to ten years. This is different than retirement investing, and it can be a challenge to find short team, high yield investments. Good short term investments will have a high interest rate, allowing you to earn substantial money immediately.

The Need for Short Term Investments
You might need short term investments if you have a pressing need coming up in the near future. If, for example, you might need to have a down payment for a house or car in a year or two, you could make use out of short term investment options. Also, you might use this type of fund in replacement of a traditional savings account, because you will earn a higher rate of return. Some even choose to use short term investment funds to supplement their retirement income.

How to Use Short Term Investments
If you are interested in short term investments, talk to your financial advisor. He or she can tell you what the best short term investment opportunity you can use will be. Then, invest your money, and leave it alone. Allow it to gain interest for the course of the investment period. When the fund comes to term, you will have earned interest on the money you invested.

Decide what amount of your total income you are willing to invest in your fund. Most people are comfortable with investing around ten percent of their total income. Then, choose the investment to use. It is best to take the amount and invest it into one particular investment. Your long term investments are where diversification is helpful.

8 Savings Secrets On Auto Insurance

2009-09-13T23:51:00.002+07:00

Everybody has a reason. Maybe they're telling you what you want to hear. Could be they'll get a bonus if they sell you product "A". Heck, they may simply have forgotten to mention it. Bottom line, there's something your car insurance company or agent isn't telling you that might save you money. And it could be one of these 8 things:
1. Older car? Drop collision.

Have a car that's 7 or 8 years old? Is it worth less than $2,500? That's the time to start thinking about taking the risk and dropping comp and collision premiums from your policy. The reason why? Chances are your deductible is closing in on the value of your car and any major collision will send you to the dealership, anyway.
2. Buy home and auto with different companies

With everything being bundled today – from cell phones to Internet and cable TV – you'd think that having your home and auto insurance bundled at the same company would save money. But, do your research, and you may discover that having separate policies can be well worth it. Good rates abound for both types of insurance – but it's rare to find the lowest rate for both from the same company. So, unless you buy an umbrella policy, there's no overriding reason to keep your policies together if you can save.
3. Minimum liability? Not enough.

You may tell an agent that you can only afford the minimum car insurance required by law. And some agents may be more than happy to provide you with that policy – and then get you out the door so the next paying customer can step in. What he may neglect to tell you is that in some states – particularly Ohio, Pennsylvania, South Carolina, Nevada, New Jersey and Oklahoma – state-mandated limits are ridiculously low. And there's a good chance those minimums won't even come close to covering the costs of a serious accident. Which means you could be paying WAY more than you bargained for if you're at fault.
4. Shop around for lower rates

A State Farm agent only quotes State Farm. Same for Allstate. So what are the chances their agent will tell you to shop around for the best deal? Even independent agents only represent a few auto insurers, so how do you know what's fair? Shopping for and comparing services online from companies like Insurance.com allows you to fine-tune the deductibles and coverage you want and then compare auto insurance rates side-by-side. All in one place. All at one time.
5. Go green; keep green

Even auto insurance companies are green – offering discounts that will trim a bit off your premium. Look for things like a discount for driving a hybrid, for opting for paperless statements or electronic payment plans. Even signing your policy with an e-signature can save you some pennies. Basically, the less the company has to spend on paper, the more they'll pass those savings on to you.
6. Consider paying that claim yourself

Naturally, you don't really want to hear that, but if you've backed into the garage, think twice about asking your company to repair it. Why? Besides the possibility that your rates will go up at the time of renewal, the next time you shop for new insurance, many insurance companies will use an insurance history report to see if you've made any car insurance claims, and how much money was paid. Although accidents can only affect your rates for three years, many companies will look back five or more years when deciding if they want to offer you insurance. Having more claims will affect that result.
7. Your car makes a difference. Don't buy that turbo convertible.

All vehicles are not created equal. Small or large, old or new, the type of car you drive will affect the size of the premium you pay, often based on algorithms insurance companies use to determine how expensive it might be to pay a claim. That'll affect how much your premium will be. Even more reason to shop around for the best deal.
8. Teenager turned 16? Don't add them to your policy – yet.

If your teenager has turned 16 but isn't a licensed driver, you're not required to add them to your insurance policy. You're only required to insure them once they become licensed to drive. That also means in most instances you don't have to insure them if they just have a learning permit. But check. Some policies may require it.

Personal Grants To Pay Off Debt

2009-09-08T12:02:00.002+07:00

Have you ever been watching the television when an ad comes on, promising that if you go to their website they can show you how to eliminate a good chunk of your personal debts through government grants to pay off debt that you never have to pay back?

How about seeing an advertising banner for something similar online?

Well just like most things that sound too good to be true, this one more or less is as well. While the claims they make are technically true, they are also can be very misleading. While you can apply for a government grant AND pay off your personal debt, no program exists for you to apply for a government grant TO pay off your personal debts. There is a difference between the two, and that difference is the one between a free ride and a lot of work.

What most of these websites and ads are referring to are the government grant programs for those looking to start their own businesses. The way these work is that they will give you a small amount of startup money for a business plan that seems like it would benefit your community (for example if you were to create a non-profit or a local produce market if there were no others in the area). If that business becomes successful, you can then use any profits you make off it to pay off your debts as you do not have to repay the government money.

This is probably a lot more work than those looking for a quick and easy way out of their debt might be hoping for, but if it appeals to you by all means give it a try. Those grants are there for people to apply for and must be given out, although these government grants are not government grants to pay off debt per se. When you apply for grants such as these, you can often find support information on the same website to help you create a business plan and get your startup up and running successfully. They would not be offering all this free money if they did not want to give people the best possible chance of success.

There are also some other kinds of grants available, although none of them are considered grants to pay off personal debt as the ads seem to promise. These options include grants for paying off hospital bills, tax debt, and programs designed to get people their uniforms for their jobs. Unfortunately, most of these grants are only available to those with severe economic hardships and often come with other strings attached like participation in a job program or proof of poor income.

Another option for free money is that sometimes the government or specific organizations will offer grant money to be used toward paying off education debt if you are studying a particular career path such as medicine or teaching.

The long and short of it is if you want free money from grants to pay off debt you had better be prepared to work for it and you have to really need it. It is suggested that you do not use false information when applying for a grant as the consequences could end up costing you much more than time and money.

Credit Card Companies, Friend or Foe?

2009-08-29T08:53:00.000+07:00

Have you ever wondered exactly how credit card issuers stay in business? The credit card companies mail an approximate 4 billion solicitations each year. Despite the fact that they come in different colors and sizes they all have one thing in common. They are all trying to convince you to apply for one of their credit cards. Depending on what source you believe, the industry will mail between 16 and 20 times to each credit-qualified consumer in the United States. In layman’s terms this means each of us gets, on average, sixteen to twenty pieces of mail annually from credit card companies trying to convince us to apply.

The response rate of these mailings, also known as “pre-approval” mailings, is abysmal. The industry averages no more than a 0.6% response rate. And, of the 0.6% who respond, fewer will actually ever open and use the account that they’ve applied for. And, of those few who do open an account, even fewer will actually revolve a balance from one month to the next. And, of those who do revolve a balance, fewer still will actually pay their bills on time. So, again, the questions is…how do these companies stay in business?

Don’t be swayed by the pessimistic tone of the introduction. These companies make piles and piles of cash from their credit card portfolios. So, please put away your checkbooks and stop thinking of sending your charitable contribution to Delaware and South Dakota, where most of the large credit card issuers are based because of favorable state laws.

The problem is that none of them have figured out what to say, how to say it or what kind of envelope to put it in to convince us to apply for their wares more than 6 times out of every thousand envelopes they mail. For every 1,000,000 pieces of mail they will get 6,000 responses. If only 80% of those responders actually open and use an account then that’s 4,800 new accounts. If each of those new accounts generates only $30 each month in interest (a very reasonable amount) then that’s $144,000 each month or $1.73 million dollars per year. Now you’re getting the picture on how these companies stay in business. And, to boot, 1,000,000 pieces of mail is nothing for the large credit card issuers who will send out several hundred million solicitations this year.

Once you are on their books as a customer the fun really begins. They love you when they are trying to get your business but you will eventually lose your luster. You are no longer the flavor of the month. You are now a living breathing profit center to them. And they’ve figured out plenty of ways to separate you from your hard earned dollar. Further, they’ve managed to self justify the means almost as to seem normal. Here are the most common ways credit card issuers will make money from you once you’ve started using their cards.

So, Friend or Foe? A compelling argument can be made for each side of the debate.

Friend — The credit card environment in the U.S. is more inviting than any other country. The reality is that pretty much anyone can get a credit card. In other countries the protocol calls for saving your money and paying cash for your belongings. In this country as long as you have a salary and a decent credit rating you can buy a car and a home complete with furnishings all using someone else’s money.

Foe — Opponents will counter that the credit card issuers are allowed too much leeway to aggressively market. This has lead to predatory lending practices from unscrupulous lenders and an increase in amount of household credit card debt. There are also too many offers targeted specifically to new credit users, typically students, who end up entering the workforce in severe debt and close to bankruptcy.

You can also make a good argument that without a credit card you can’t function efficiently in today’s environment. This can be a pro or a con. You can’t rent a car, check out a movie, buy anything online or reserve a hotel room. You have to have a credit card to function today. It’s that simple.

The bottom line is that credit cards are what you make of them. If you let them, they can easily overwhelm you. However, if properly managed then credit cards can be your friend and ally in accumulating wealth and security…all while using someone else’s money.

Paying Bill Online

2009-08-25T16:21:00.001+07:00

Online bill paying makes your life easier. You don’t have to write checks, get them into the mail, or work as hard to track your transactions. If you’re interested in online bill paying, find out what it takes to get started and where to do it.

How it Works

Online bill paying can happen in a few ways. Payment may be made electronically, or somebody (such as your bank) may print a check and mail it to your payee. Either way, online bill paying happens when you get the process started online and somebody else handles the logistics for you.

Use Your Bank

For most, online bill paying is easiest to do at your bank. You probably already have a checking account with free online bill pay, so use it. You’ll enter information about your bills, and login to your account each month to pay them. You may also authorize the bank to pay bills automatically.
Your bank may pay your biller electronically, or they may actually print and mail a check for you. Either way, you don’t have to write a check and get it to the mailbox. The transaction usually shows up with your payee’s name, so it’s easy to track your spending.

Use Your Biller

You can also use online bill paying options at each of your service providers (often called “ACH debit”). After you provide bank information they pull money from your account each month as your bill comes due. While this requires less work on your part each month, you don’t control when money comes out or exactly how much they take.

Other Services and Software

Some companies offer online bill paying as part of a software product or for free. Financial management programs such as Quicken and MS Money may allow you to pay bills from the same program you use to monitor your finances. You should expect to pay for this form of online bill paying - usually a modest monthly fee.

Eating Out Affordably

2009-08-21T23:30:00.000+07:00

Americans love to eat out. It has as much to do with the social aspect as it does with the great taste of food you (as the cook) did not have to prepare!

Here are some simple tips for eating out at your favorite restaurants affordably either with your friends or family:

Look for “Kid’s Night” Deals

Many families are going back to the more traditional “one income” situation, so “Kid’s Night” deals are critical to being able to take the kids for an evening out. Most restaurants have a special kid’s night—where kids under a certain age (usually 12) eat free or at a reduced cost.

Share larger entrees

Entrees are growing, along with our waistlines and cheques at the end of the night. To decrease all of the above, share an entrée with a friend or family member. This will ensure both of you receive your fill, pay less, and walk out a little lighter than you might have if you had tried to eat the entire portion.

Bargain-Fest

Many new (and even existing) restaurants in your area send out coupons (buy one entrée, get second at half price). These are designed to get you to try their new menus, and then hope to garner your return business without coupon. Regardless, this is a great way to eat at your favorite new restaurants and save money.

Fast Food

Not always the most healthy option available sometimes; however, can be a way to enjoy a night out including miniature golf or a movie without spending as much on food. Some of the healthier options include Subway, Taco Bell, Blimpie Subs, Chinese fast food, and even salads from McDonald’s or Wendy’s.

Order Pizza!

Pizza restaurants always have special deals, and you can look for additional coupons in your weekly paper. This is not only a money saver, but a time saver as well for those Friday nights in which you don’t wish to go out, but would rather kick back and watch a night of videos.

Plan your budget

Many people spend too much money on eating out because they eat out too frequently and don’t plan it into their week. Pick one night a week or every other week to go out, decide in advance which restaurant you want to go to, and even pick up a menu in advance of that night. This will help you plan how much you will spend that night, as well as choosing your food in advance!

Appetizers and Desserts

These were designed with one idea in mind—to get you, as hungry as you are, to order more food than you would ever eat if you cooked it, thus spending more money than you may have planned going in. In advance of your restaurant visit, determine whether or not you are going to order the appetizer as your meal (provided it is large enough) along with a small salad, or not at all. In doing so, you will save money and room in your stomach for after-dinner coffee. Having coffee at the end of the meal will also help you avoid the $7 desserts with the $2 portions. You will be full and won’t want dessert, thus saving you even more money and inches to the waistline.

Sides

Many restaurants now offer sides as ala carte items. Choosing 2 or 3 “sides”, such as a salad, a baked potato, or a side of steamed veggies will help you choose less expensive and potentially more healthy options.

Eating out is fun

It should remain that way, and can be done in such a way that everyone’s budget should be able to afford it on a regular, planned basis. Enjoy!

Clear Your Shopping Cart Abandonment

2009-08-20T06:21:00.002+07:00

Imagine you owned a store where half your customers left their purchases on the checkout counter. That, in effect, is happening all too often to online merchants. Potential customers go shopping on their site, like what they see, and put merchandise in the shopping cart. But somewhere during the checkout process, they "abandon" their cart and depart the site, sometimes never to return.

What went wrong? As an online merchant, knowing the answers can make a big difference in how well you convert a customer's clicks into an actual sale.

Studies have demonstrated that the single biggest cause of cart abandonment is an unexpectedly high transaction cost--typically a high shipping cost--that is only revealed at checkout. A customer believes a transaction is going to be about $75, steps up to the virtual counter, arranges payment, only to learn that the actual total is $100. We shouldn't be surprised if that shopper "walks off" in a huff. Indeed, shopping cart abandonment is often a sign of deeper troubles for the merchant. It's not just an indicator of a lost sale, but also of a troubled relationship. If customers have a sense of being baited and switched, their overall confidence in the merchant gets undermined.

The problem is aggravated by the high variability of shipping costs. During a recent online shopping excursion for a stationary bicycle, I found that shipping fees ranged from "free" to $150. That's a huge difference. And yet in many cases, the total "out-the-door" cost wasn't apparent until deep in the checkout process.

What can merchants do? First of all, you should keep shipping costs in line with customer expectations. A small, lightweight item like a pair of socks, a garden trowel or camera battery shouldn't cost $17 to ship. And adding one of these items to an existing purchase shouldn't cost $17 more. Some merchants have taken the mystery out of checkout by offering free shipping across their product lines. But if you can't afford that, at least give shoppers an early, clear indication of the actual cost. And while this might sound obvious, the same advice also applies to good news: Tell customers about special discounts, coupons and other incentives up front, not at checkout. The guiding principle: When it comes to payment, online shoppers don't like surprises.

Security and comparison shopping
Cart abandonment happens for other reasons as well. Sometimes customers are uneasy about handing over their personal information, including credit card numbers, to an unknown merchant. You can remove that concern by offering multiple options for electronic payment, including services that allow payment without disclosing financial information to the merchant.

Some customers don't click on the purchase button because, at the last minute, they want to assure themselves they are getting the best possible deal. The temptation is understandable. E-commerce has matured since its early days, and customers are the beneficiaries. More sites are competing for their business, and customers can use "shopping engines" to compare price and merchant reputations at a glance. The obvious advice: Keep your prices competitive and your service exemplary so that new customers keep coming back. In looking for the ultimate bargain, some customers depart to seek out discount coupons. If your competition is trumping you with this tactic, perhaps you should follow suit.

Sometimes, the barrier to purchase is not cost, but an unanswered question. "How long do I have for a return?" "Can I see the manual?" "Do you have it in green?" "Can I include a Valentine's card?" No merchant can anticipate every question, nor will every customer locate every snippet of information on your site. So don't hide behind your website. Provide a telephone number, an e-mail address, or both--and respond to queries promptly and personally, taking the time to hear the actual question.

Finally, some shoppers abandon their carts simply because they cannot figure out how the checkout process works. If your customers are hunting for the "purchase" button, it's time for a site redesign--preferably with something simpler.

Good Payment Processing Service

2009-08-14T16:03:00.000+07:00

Five Star Payments are an alternative payment processor to receive payment of your products. With Five Star Payments, you don't need to fuss over again to receive payments from around the world. All handled by professional staff.

Five Star Payments receive all types of credit cards, from Visa, Mastercard, Discover, Amex and others. You also will be treated directly by a staff ready to assist you 24 hours. Qualified and experienced staff also help you what is needed by your company. So you will not waste your time.

Five Star Payments receive any type of your company. True, whatever your company. Low risk or high risk company, all accepted by them. Unlike other payment processor that is still difficult to receive a request from your company. Other advantages, the fee charged to you than other payment proccessor. So you can save your money and get large benefit. What are you waiting for, joined the Five Star Payments now.

Credit Card Reform Comes Back

2009-08-11T18:50:00.003+07:00

The call to reform the most abusive and restrictive practices of the credit card industry was once again heard on Capitol Hill yesterday, as two separate hearings emphasized both the need for more oversight and new legislation to protect consumers.

The Senate Judiciary Committee convened a hearing over S. 2359, aka the "Consumer Credit Fairness Act," introduced by Senators Sheldon Whitehouse (D-RI) and Dick Durbin (D-IL). The bill would, if made law, amend a portion of the 2005 bankruptcy legislation to enable consumers to divest a portion of their debt in bankruptcy.

Under the terms of the Act, if a filer's consumer debt threshold — including credit card debt, payday loans, or other debts — exceeded 15 percent plus current rates on 30-year Treasury bonds, they could have it liquidated in bankruptcy. The Act would also exempt filers with debt levels above the threshold from the "means test" mandated by the new bankruptcy law.

"The standard credit card agreement gives the lender the power to bleed their customers through evolving and ever more crafty tricks and traps," Whitehouse said in his opening statement. "The typical credit card agreement, which twenty years ago was a page in length, has grown to a 20-page, small print contract filled with legalese. In substance, it gives the companies the right to raise interest rates for almost any reason, and in some cases no reason at all."

The committee heard testimony from Douglas Corey, a Bank of America customer who had been paying his card debt on time for years, until he accidentally paid less than his normal minimum payment in August 2008. That triggered a spiral of rate increases and penalty fees that threatened to bury Corey under even more debt.

"With my next statement in October 2008 came the devastating news that my interest rate had skyrocketed to an astonishing 28.99 percent," Corey said. "I went from paying $360 in interest to $792 in one month and I was charged a $39 late payment fee. The following month, I was laid off from my sales representative position of seven years."

Corey's debt troubles increased to the point where he was missing payments on his mortgage, but, he said, he struggled to keep current on his loans. "Bank of America has come before you asking for help, understanding, and, with both hands open, for financial support," he said. "Yet when we the consumers go to these institutions looking for the same help, understanding and financial support, we get roughed up and receive no compassion."

Whitehouse introduced the Act in the previous session of Congress, but no action was taken on it. The House of Representatives passed the "Credit Cardholder's Bill of Rights" last year, but that bill did not come to the Senate for consideration. The House Financial Services Committee is expected to act on credit card legislation next week.

Read more: http://www.consumeraffairs.com/news04/2009/03/credit_card_reform.html#ixzz1puT3kDUH

Life Insurance is A Priority

2009-08-09T04:51:00.000+07:00

The function of insurance is as protection of financial risk on the possibility of natural occurrence that is not planned. So, that should be seen if someone need insurance or not is to see the financial risk of what will happen when the case of natural. If the parties are subject to the financial condition, it should insure soul. But if he/she does not have insurance, then have a life insurance guaranteed is the priority.

But, that should be protected is a living for his live, not his/her incomes. If we only a person who celibate but still have to work with. Because of the stag and does not bear the burden of other people, then the revenue is only for him/herself. If there is such as dies, then no party subject to financial conditions. That's mean you must find guaranteed life insurance.

This logic can also be used in determining the amount of insurance money that should be taken. If the fee is too large, take the insurance money can make at least needs to be able to get a substitute for living. For example, living for several months until his wife could have a job. Or until children reach adults age and can find them living.

Turn Your Habit to Make Saving As A Priority

2009-08-05T03:52:00.000+07:00

Whether you are saving for a major purchase or for your retirement, you will never reach your goals unless you make saving a priority.

Many people may think they can never find the extra money to save for a new home, a dream vacation or even a much needed new car. They may think that putting small amounts will never really add up, but it is true when it comes to saving that little changes can add up to big savings on expenses. Those savings can then be put to good use for achieving your long term savings goals.

The Latte Factor

There is a coined phrase called the "latte factor." This comes from the notion that many people will think nothing of spending $2.50 each and every work day on an afternoon latte. It is true that $2.50 is not that much money. Not when you spend it once in a while. However, if you were to add up that $2.50 each day, it becomes $12.50 per work week. Then, you multiply that by roughly 21 work days per month and now you are up to $52.50, a fairly significant amount of money for most people. Right there, that person, by simply switching to bottled water brought from home, could save about $630 per year!

Compound Interest

Now, $630 may not sound like much toward the down payment on a house or even a new car. It certainly won't go too far in retirement. That is where compounded interest makes saving even a few dollars a day well worth giving up that afternoon latte. If you were to take $50 per month and invest it in your company's 401k plan for example, and you are fresh out of college, you would have approximately 45 years until your retirement at age 67. That $50 would be worth about $138,000 assuming a conservative average of 6 percent compounded interest. If you were to increase your contribution by another 10 percent each year, so the second year you are saving $55/month and so forth, then that amount would be more than $935,000!

For shorter term savings goals, compounded interest can also help speed things up. Interest rates on Certificates of Deposit (CD) are not as good as long term savings rates, but certainly better than a passbook savings account. You can purchase CDs with guaranteed interest rates for terms from 3 months all the way up to 5 years. Keep in mind you will loose your interest if you withdraw the money before the term is up, so make your savings goal for a specific time period and stick to the plan. You normally need between $500 and $1000 to purchase a CD, so within 10 latte-free months you could have your initial deposit.

Discover your own Latte Factor

The biggest obstacle in saving is determining your own "latte factor." You may have several that surprisingly add up to thousands of dollars in unnecessary expenditures. The first step in finding yours is to write down everything you spend for an entire month or longer. You may be surprised to find where small amounts of money slip through the cracks - the vending machine, the convenience store, lunches and dinner at fast food or restaurants, cigarette smoking, etc. Once you've discovered your latte factor or factors, see what you can live without or where you can cut out some of those spontaneous purchases.

Set Up Automatic Savings Withdrawal

The second step is to set up an automatic savings withdrawal. If you never see it, you won't be as tempted to spend it. You can have a portion of your pay put into a separate savings account or even directly into a savings plan that converts to higher interest bearing account when you've reached certain levels. Remember, you deserve to pay yourself first out of every paycheck. Uncle Sam takes his cut automatically. Make your next automatic payment go toward your savings and you will be able to achieve any savings goal you set for yourself.

Managing Your Cash Flow

2009-08-03T22:06:00.000+07:00

In these tough economic times, cash is king. When you run out of cash, you're out of business. You can't control what's happening in the economy, but you can make sure your business survives by aggressively managing your cash flow.

There are three basic ways to increase your cash on hand, even if business is slow: You can collect what you're owed faster, arrange to pay your own bills more slowly and control expenses better. Our experts offer these tips for improving your cash flow:

Crack down on deadbeats. "Get your customers to start paying on time," says financial consultant Guy McPhail, president of Zdenek Financial Planning in Flemington, NJ. Know who your late-payers are and consider terminating the relationship if they can't pay on a more timely basis.

Start accepting credit cards if you don't already--you'll pay a fee but get the rest of the money immediately, McPhail says. If you invoice, make sure invoices go out on time, and offer discounts or other incentives for prompt payment. If you work on large projects, request partial or full payment upfront. Learn what competitors' payment terms are, and adopt the shortest terms in your industry.

Cut a payment deal. When it comes to your own business's bills, pay as slowly as your vendors will permit without penalty. Begin by asking vendors if they would extend you longer terms: say, 60 days instead of 30.

If your bill is due in 30 days, McPhail says, pay it on day 29, not day one. Even better, pay it on day 29 with a business credit card that gives you an additional 60 days to pay, effectively giving you 90-day terms.

Control expenses. At many companies, cash-flow problems are caused by overspending, says former bank officer Luigi Germano, who is now a business coach for SCORE in Portland, Ore. If you find yourself running short of cash, scrutinize expenses and start cutting back.

Germano advises only buying assets that will have a direct positive impact on sales. Review your bills for any office or store supplies you might be able to buy more cheaply.

If you sell products, trim your purchasing list and focus on your best-sellers.

"I've seen tons of companies where the inventory was out of whack completely," Germano says. "They either had no policy on how to buy inventory, weren't paying attention to inventory levels, or they were falling prey to salesmen pushing deals."

Cut your tax bill, if possible. Make sure you know all the new tax breaks for '09. If you own commercial property, get it reassessed--if it's lost value, your business may owe less property tax.

Cash flow as a crystal ball. Tracking your cash flow gives you a powerful business-management tool. Use your cash-flow information to set goals for the future and compare your progress month to month.

You can also use your cash-flow data to project what your cash on hand will be several months into the future, says Phil Holland, founder and chairman of the nonprofit MyOwnBusiness.org in Industry, Calif. If your cash balance is going down each month, you'll be able to forecast how long you've got before your bank account is bare.

"You could make a projection based on your business going down 10 percent or 25 percent," Holland says, "and those numbers will give you a clue in terms of what your future cash balances will be at the end of each month."

One cash-flow management trick from consultant McPhail: Set up a separate account for the money you pay yourself each month. If you have to borrow from it during the month to pay business bills, it'll alert you that there's a cash-flow problem.

Protect from Auto Insurance Fraud

2009-07-31T22:44:00.002+07:00

There are various ways consumers can fall victim to auto insurance fraud, including accident scams, insurer tricks and referral fraud. Whether you're buying auto insurance or on the road, it's important to know how to protect yourself. To keep you out of trouble, we've compiled the most important tips from the National Insurance Crime Bureau (NICB), the North Dakota Department of Insurance, FraudGuides.com and Edmunds.com.

When Buying Auto Insurance

* Be wary of insurance offers from door-to-door salespeople, telephone callers or unsolicited Internet advertisements.
* Be suspicious if the price of insurance seems much lower than the competition's. It could be a scam, or the coverage might be full of exclusions that are only discovered when you need the coverage.
* Contact your state's insurance department to make sure the agent and company are licensed.
* Check the company's rating at the Better Business Bureau.
* Make sure "free services" aren't actually hidden in your insurance bill.
* Ask if the insurance company has purchased or invested in vehicle repair shops; this is a red flag. You are not required to use them, and they will not give you better service or prices — in fact, they could be worse.
* Guard your insurance identification number the same way you would your social security number, because once it's stolen, criminals can use it in a scam.

For more tips, see "10 Steps to Buying Auto Insurance" and "How to Choose the Right Insurance Company."

While Driving

* Be wary if a car pulls in front of you, forcing you to follow dangerously close. You may be set up for a staged accident.
* Trust your instincts. If someone seems to be tailing you or otherwise behaving suspiciously, pull into the nearest gas, fire or police station, or other "safe spot" that you see.
* Carry an accident emergency kit, or at least a disposable camera, in your car.

After a Two-Car Crash

* Exchange information with the person driving the vehicle, including driver license, vehicle registration and proof of insurance. Take pictures of all damage to both cars.
* Count the number of people in the car. Get a name, address and telephone number for each one, not just the driver.
* Call the police, and if possible, have them come to the scene. Get a police report with the officer's name, even if the damage is minimal. This makes it more difficult for a criminal to damage the car later and try to collect a larger claim. Note that in cities where police are stretched thin, the police may not come to an accident scene unless there are injuries reported.
* Avoid people who suddenly appear at an accident scene and try to direct you to specific doctors or attorneys.
* Avoid people who offer you quick cash to fix your car.
* Be wary of tow truck drivers who recommend a specific auto repair facility without being asked.
* Demand detailed bills for any repairs or medical services. Keep all your receipts related to the accident.
* Make sure you get Original Equipment Manufacturer (OEM) parts at the repair shop.
* Be wary of physicians who insist that you file a personal injury claim after an accident, especially if you are not hurt.
* Never sign blank insurance claim forms.

For more tips, see "What To Do After a Car Accident." If you suspect auto insurance fraud, call the National Insurance Crime Bureau at (800) TEL-NICB (835-6422). They'll help you with next steps. Also report potential fraud to your state's fraud bureaus.

Related Articles:
Insurance Fraud: What It Costs You

How To Choose the Right Insurance Company

What To Do After a Car Accident

More Insurance Articles
10 Steps to Buying Auto Insurance
The 10 steps to follow when buying car insurance.

How to Save Money on Car Insurance
Why not take an hour or so and review your policy for potential savings?

How to Choose the Right Insurance Company
How do you ensure that the company you sign with is reliable?

Investment Strategies to Reach Your Benefit

2009-07-30T15:04:00.002+07:00

Active or passive investment strategies, both of them entail determined decisions and responsibilities. On one hand, you can dedicate
a lot of your time determining which are the best choices. On the other hand, you can simply delegate that responsibility to a company that is specialized in international investment strategy plans.

There are many of them, who specialize in stock investment strategy, property investment strategy, retirement investment strategy, among many others. Either way, it is important to know more about international investment, so let's find out what is it exactly.
What Is International Investment?
International investment is the act of putting your money in assets that are located outside the United States. This branch of investment has generated a great deal of interest among investors since it permit's them to place their capital at locations that may generate higher profits for them.

An additional advantage is that, since the American market for determined goods is already overexploited, it provides a new "route of escape" for all those investors who aren't willing to invest their money in markets with too many barriers. For example, consumer products or telecommunications.
Objectives Of International Investment
Once you have decided to leave behind the domestic market and incursionate in other continents, you need to determine your objectives. It isn't as simple as saying "I want to invest in China". There are three variables that need to be considered before doing this. These variables are growth, safety and income.

In investment planning, the objective of growth is capital gain. For example, let's say that you are interested in making your capital grow, but do not need the money right now. So, you may buy shares from a Fortune 500 company and wait some years until you have reached your objective. Only when you reach it, you will sell your stock, and, ergo, your investment plus gains.

Another objective is safety. Many people see international investment as an excellent way of providing them a constant flux of income. As a matter of fact, millions of people around the world use it as their main source of revenue. What's the purpose of killing yourself at work when you can earn enough money through your investments? That way you can dedicate to things that may not provide you with a lot of money, but that can be more satisfying.

So, let's say that your passive investment strategies includes companies that put your money in relatively safe international investments. One interesting option is provided by governments. As in the case of the US Government who issues bonds for financing determined projects, other democracies in the world do the same thing. Countries like Germany, France and England emit government bonds for their own use. The same thing happens with corporations. Transnationals like EADS, Philips or Nestle are very interesting options.

Finally, there is the issue of income. In the case of income, your prime interest is to obtain the biggest amount of money, without taking into consideration the risk that may entail. In order to do that, individuals need to look for opportunities with a low investing rating, but with a great potential for monetary gain.

Best Home Insurance Rates

2009-07-24T16:07:00.000+07:00

We all agree if we don't want to get accident in our life and family, but sometimes we will get that. When the accident happened, it will attack everything, include our home or apartment. And you need great insurance to fix all the damage. Have you got best home insurance? What to do to get the best home insurance rates?

Now you can find the best home insurance on Monitor Bank Rates. They are not only offer insurance rates, but also offer the best rates on CD Rates, Credit Card, Mortgage, Auto Loan etc. You will find the best rates so you will get the best prie as you like. Not like the other, they will give all you need to get the best service, so you will not miss anything.

And if you interest with Monitor Bank Rates, I recommend you to apply this great PenFed Money Market CD. This is the best CD Rates ever. Just with US$ 1,000 only, you will get 2,78% annual percentage yield. What are you waiting for, let's apply now!

Think Retirement!

2009-07-24T15:43:00.000+07:00

Do you envision your retirement as a relaxing time spent traveling around the country (or the world), taking a cruise, enjoying hobbies and interests you never had the time or energy for while you were working? Without wise planning, you could end up spending your golden years working at the golden arches for minimum wage instead. Unless a job at McDonald's at the age of 65 is just your cup of tea, start planning for your retirement now.

If you're counting on Social Security to finance your retirement, think again. Many elderly Americans with Social Security as their sole means of support are living in poverty. Social Security should not be considered your primary source of retirement income. There's also the question of whether Social Security can survive the onslaught of baby boomers who will start to retire in a few years and no longer contribute to the Social Security coffers.

START EARLY

It's never too early to start planning for your retirement. In fact, compounding of earnings is so powerful that those who start saving for retirement in their 20s can amass large nest eggs with relatively little effort, as long as they invest regularly. For example, a 25 year old who invests $2,000 a year for eight years and never invests an additional dollar after the age of 33 , will earn more by the age of 65 than a 34 year old who invests $2000 a year for 32 years, even though the 35 year old invests four times as much.

THE BEST RETIREMENT TOOLS

One of the best retirement vehicles available is your employer's 401(k) Plan. Not only can you make pre-tax contributions, thus reducing your taxable income, but the earnings grow tax-deferred until retirement. Best of all, your employer may match a portion of your contribution. Many employers match 50% or more, giving you an instant 50% return on your investment (subject to vesting). One financial planning expert has said that not participating in your employer's 401(k) plan is like seeing hundreds of dollars lying in the street and not picking it up.

Another excellent retirement tool is the IRA (Individual Retirement Account). A traditional IRA allows pre-tax contributions to grow tax-deferred (you don't pay taxes until you withdraw the money, so the amount you would have paid in taxes earns income from the time you contribute it until you take it out). The Roth IRA allows after-tax contributions to grow tax-free (you pay taxes on the contribution, but you never pay taxes on the earnings) as long as you wait until you're at least 59 1/2 before withdrawing the money).

There are retirement plans to fit nearly every situation: 401(k)s for businesses, 403(b)s for tax-exempt organizations, SEP-IRAs and SIMPLE-IRAs for sole-proprietors and small businesses, KEOGHS for the self-employed, and one type of IRA or the other for everybody. Choose one available to you and start contributing today.

Good Credit Card Processor for Your Business

2009-07-15T12:36:00.000+07:00

Must be recognized that at this time have a credit card is not something extraordinary. You try to run one of the shopping center, and then you will find a lot of credit card ownership bid. The terms more easily and more people may also have them all. Basically have a credit card it is important. Moreover, the possibility not all transactions conducted in cash. For we all also know, how safe is not at this time when you have large amount of money.

If you run a business, you maybe want to offer your costumer to pay with credit card. Are you looking a good credit card processor, which can accept all major credit card type, like Visa, MasterCard, AMEX etc? If yes, now you can apply to America Processing. They have experience in 20 years helping any businesses to setup merchant processing. America Processing know that. They are experience in 50 states in US, small and large businesses.

We kno that not all business run the same type, and for that you must setup different payment processor for different business. America Processing know that. They work with every business you run. They specialize in attorney, automotive, ecommerce, insurance, lodging, petroleum, restaurant, retail, telephone etc. With good customer service, they will help you setup your payment processor. What are you waiting for, let's apply now.

Ten Things You Must Know Before Buying or Leasing Your Next Car

2009-07-07T20:52:00.000+07:00

The basic concept of leasing is explained succinctly by leaseguide.com: "When you buy, you pay for the entire cost of a vehicle, regardless of how many miles you drive it...When you lease, you pay for only a portion of the vehicle's cost, which is the part that you "use up" during the time you're driving it." In other words, you're paying primarily for the depreciation on the car. At the end of the lease, you either turn the car back over to the leasing company or purchase it for a pre-determined amount.

One method is not always better than the other. It depends not only on the terms, but on your own preferences and personal habits. If having a new vehicle every two or three years is important to you, leasing may make sense. If you can't afford the car payment without a sizeable down payment but you don't have a sizeable down payment, leasing may make sense. If lower long-term costs are important to you, buying may make sense.

Here are the ten things you must know to decide whether it'll cost you less to lease your next car or buy it.

1. The biggest mistake you can make is to judge the lease solely by the amount of the monthly payment, which can be manipulated to make even the worst deal look good. Understand how a lease works and what to watch for to protect yourself before you head to the dealer's.

2. Short-term costs of leasing are always lower than short-term costs of buying. The long-term costs of leasing are always higher than the long-term costs of buying, assuming that you keep the car you purchase outright for a number of years after your loan is paid off.

3. If you lease for the length of the manufacturer's warranty, you'll never have to pay for major repairs.

4. You can lease without a down payment, although making one will lower your payments.

5. Terminating a lease before it's up can be extremely costly.

6. Since you don't own a leased car, you can't change it, paint it, or add equipment to it.

7. Sign only closed-end leases, which means that if at the end of the lease, the car is worth less than the leasing company estimated when you signed your lease, they, not you, absorb this cost. Read the fine print of the proposed lease and make sure you understand all the terms.

8. Putting more miles on the car than the lease allows can cost you big money, since you'll pay so much per mile for every mile driven over the allowance.

9. Negotiate the lowest capitalized cost or lease price of the vehicle you'll be leasing because your payments are based on this cost. A good lease will offer you a price below the Manufacturer's Suggested Retail price.

10. The best cars to lease are those with the best book value after the term of the lease. Since they depreciate less, you pay less. You can look up lease ratings to see which cars retain their value better and will therefore give you the best lease deal. Stay away from cars which depreciate quickly unless you're willing to pay more and can afford to do so.

For $20 you can purchase a lease kit online that will not only tell you the lease rating of many cars but will help you analyze a proposed lease to see if it makes sense for you. The program can be used any time you're considering a lease, and could save you a lot of money.

Car Lease Example
You lease a $25,000 vehicle for two years. At the end of the two years, the vehicle's value is estimated to be $15,000. Your payments over the life of the lease will total $10,000 (the difference between the $25,000 purchase price and the $15,000 value at the end of the lease), plus finance charges to compensate the leasing company for the money they have invested in the car, plus fees.

How To Get a Pay Raise

2009-07-03T02:58:00.002+07:00

Do you feel underpaid? Are you thinking about asking your boss for a raise? To increase your chances of success, it's important to know what your job is really worth and how to effectively approach your boss about a salary increase.

Many employees make the mistake of asking for a raise because they need more money, can't pay their bills, etc. Your personal budgeting and financial problems are not your company's problem.

Need has nothing to do with it, so it's best not to talk about need when asking for a raise. Base your request on your evaluation of your skills, productivity, job tasks, your contribution to the company, and the going rate, both inside and outside the company, for what you do. Look at the entire situation from your company's perspective, and base your approach on THEIR needs, and on what YOU can do for THEM.

The first step is to evaluate your skills and your job description, both your formal written job description, if there is one, and the tasks you do that may not be part of your formal job description.

Gather copies of your last few performance evaluations, if your company does written reviews. Concentrate on showing/reminding your boss of your tangible contributions to the company. Make a list of your accomplishments, and if possible, the dollar value of each to the company. For example: "I saved the company $20,000 this year by researching and negotiating contracts with new vendors."

Next, research salaries in your area for similar jobs. About's Job Search Guide, Alison Doyle, has links to compensation surveys that can help you get an idea of what your job typically pays, but remember that salaries will vary from one region to another, so you should be sure to find some local information as well.

When comparing and analyzing salaries, it's important to consider the financial value of your benefits and perks. If your company pays for all or part of your health insurance, this is as good as money in your pocket. The same is true of a 401(k) match, tuition assistance (if you're taking college courses), etc.

Additional Income

2009-06-30T21:44:00.000+07:00

Why do you need additional income? As I have said before (and I often re-examine), that one of the key financial welfare in the family actually is not in how much you earn, but how you manage your income is. Whatever the size of the earnings in your family, if you can not manage it well, then welfare will not be able to achieve.

However, if you should not need to add income in your family? Not as well. Earnings are a large family does not guarantee that you can achieve financial prosperity, but of a large family can help you reach your welfare. So once again, earning the big does not guarantee, but only help. Therefore, it would be better if you can increase your revenue sources.

There are several ways to increase revenue in your family:

1. Working as employee
2. Working with its expertise on
3. Running Side Business
4. Investing

Working for Employees

you can get additional income by working in a company. You can work as a secretary, employees of the bookkeeping, administration, or anything that. It is important, you get your salary. So if at this point you do not work and only your husband's work (as employees are also for example), then with now you also work as employees, then there will be two salary in your family.

Or, if for example at the moment you have to work as an employee, you may also be able to be employees in other places. So you get two salaries. A friend I work in a company from 9 am until 5 pm. Night while she also worked in a restaurant from 6 pm until 10 pm. He was getting two a month in salary.

What is the advantages and less to work as employees? Clear that, as employees are working well, because you come to live, work, and at the end of the month to get the salary. You only need to obey the rules work hours only.

Less, of course, that if you do not work, you will not get a salary. It's simple. That is why many people are aged 50 - 60 years old but still working as employees for fear of not getting the salary if he does not work.

Working with Self Relying Expertise

If you have any special skills, you can work and get a royalty from it. For example, if you can sing, you can sing at parties and get honor. Maybe you can teach? If you can teach, teach, and you can get the honor.

Working with their own must be working as employees. As your employees get a salary, whereas here you do not get salaries, but get the honor. Example those who work with the expertise and rely on the honor gain is generally the artist, architect or doctor, and that opened their own practices earn from the patient or client.

If you noticed, in fact almost every person has special skills or expertise that can be sold. The problem here is if you dare to make the expertise or skills that you have to be sold to the public?

Advantages working with on their own expertise are that you will get the revenue that is consistent with your skills. This means you will be more motivated to learn skills so that you will get paid more. If you do not work (absent), you will not get paid.

Running Side Business

Why do not you try to run a side business? You can open a shop or stall. You can open a service bureau to sell all kinds of services. May also a sewing business. Why do not you try it?

It is important here, the business side is a later time you can submit to management the child that you trust, so you do not need to continue to engage in a lifetime for you. Store for example. You may be able to open a store that sells goods daily needs. After a few months, you can submit a management right to the fruit your child (which you pay of course), so that you can be comfortable watching TV in the house but can still get the advantage of the store each month. This is the advantages of running your own business.

You may think that to be successful in business need capital money that is big enough. But you can not believe the success of a business often does not depend on the amount of your capital. Please look around you, there are many people who succeed in business with a capital of only a few. The most important thing here is the idea.

There are some businesses that require initial capital big enough, but also many businesses that do not require initial capital that is too large. The most important thing here is how you can "outsmart" the amount of money you have now that can be enough to run a business idea in your head. With running a business, you will automatically train to be more independent and to survive. That is to become one of the advantages of running your own business.

Investing

you has excess money? Why not just invest it? If you have a US$ 1,000 may be that you invest them. You will be able to interest and additional interest that you earn.

You do not have the goods that you use? Furniture, for example? Why do not you sell them and invest the money to buy gold, for example. After two-three years, that only the price of gold is rising. Nah, the difference between the price increases is additional revenue for you.

For you who are still single (do not have insurance) and living at home, why do not you just mortgage your home? Thus, you will get additional revenue from the rental income the house every month or every year. Or if your house is rather big, why do not you rent one of them two rooms? You will infusion of additional money, eh?

The Will is Important

Search for Additional Revenue actually not difficult. Important that you have the willpower. If you do not have the will to want to get additional revenue, so any way indicated to you that it is difficult you receive.

So, all started from the will. If you do not have the will, yes, you still like the situation now. But if you really want, you have 4 options to get additional revenue, such as the above. Please select which.

Cheap Shopping

2009-06-24T23:01:00.002+07:00

Choosing the right place can be the first step is for the thrifty shopping. But are not the only factors that can affect or not sparing our shopping. Sometimes choosing the right time for shopping can also be a determining factor.

Okay, now we discuss how the selection of one at the place and time shopping can participate in determining how sparingly you shop.

Place

I asked if the place where the most sparingly to spend, I would say, shopping in the manufacturer directly. But unfortunately, not possible to spend almost directly to the manufacturer and get the "factory price" for the factory because it is certainly not efficient to serve customers in every factory.

If so, find a place as close as possible to the manufacturer or the manufacturer. Usually, the more closely with the producers will be more affordable. Near here of course is not to close the distance, but close to the distribution channels. In the sense that the price in a store or wholesale agents certainly cheaper than the price in a store, and prices in shops are also usually cheaper in price from the retailer.

But this formula does not always work. Because sometimes there is also a shopping center which can be goods directly from the manufacturer but can be more expensive than a store that must be purchased through an agent. This depends on the efficiency in the store. The more efficient a store, the less he is also taking a hit. Examples are shops in the traditional market that sometimes can be cheaper than the wholesale shops. Moreover, if the bid smart, lucky can be half the price of the offered.

One place that can be cheaper than the other area is the shopping center into sales of particular products. For example, the market for the Tanah Abang textile and garment products, and Glodok area for electronic goods. While the mobile phone to get the price of italics, we can come to the center Roxi as mobile phone sales. Sales center can offer this price because it can be said most of the merchants gathered there. Because many traders, they would not want may set the price that can compete with other traders.

Time

Although it can have a place to scrimp for spending, not a guarantee that we can really cut corners with our shopping bags. Because even though the place shopping already offers the cheap price, but if we are easily tempted to spend beyond necessity, then we are already spending can not be spelled out more sparingly.

Because sometimes, not only determine where the sparing no expense or us. In addition to the factors, time factors also play a role in that effort savings. If shopping at the right time, we may be of high quality goods with prices italics. But if shopping at the time that is not appropriate can be obtained not sparing even the spendthrift occur.

To determine the time is right to spend certain goods, sometimes we have to know the season. Simple example is when you want to buy fruits, increase the price of this product, or down in line with the season. If you want to buy fruits for the home, choose the fruit-fruit is in season. Usually, shopping centers or stores offer special prices for the current season fruit.

Different case with buying clothes. To buy clothes, even the things that happen. Do not follow the seasons. Discount apparel when the season is already over. This may be seen clearly in the country with 4 seasons. There, warm clothing sale out if the winter has passed. And winter clothes discount any large-scale melt the snow already.

How about in Indonesia? Despite not too extreme that, but principally the same. May not be the season in terms of affecting the weather but in the sense of season mode. There are certain policies of the clothing store for discount because certain types of clothing have started behind the fashion. In fact, for some people fashion is number three when buying clothes. Number one is price, and quality is the number both of them.

There is one habit of traders that is unique that we can take advantage of the goods to get the good with the cheap price. Namely to provide habits and goods that can bargain. Usually traders give special discounts to their customers in the morning as the attractor. And sometimes they also give special discounts to buyers who spend the last item in the day. But remember, this is only valid for products that quickly broken and sold daily, such as food, vegetables and the wet cake.

If you have a good time for shopping of course also have a bad time for shopping. For example, when hungry, avoid shopping when hungry. Because hunger will add shopping, shopping, especially food products. Avoid shopping when the bored or sad. Because if you are bored or sad, and make shopping as a way out, you'll usually more eye wash and window shopping. And this can encourage the need to spend outside.

Similarly if the atmosphere is not as heat or cold. Because the condition does not fit the body can not make you cool shopping and want to go home soon. Finally you are in a hurry and lazy to bid to select a cheaper price. The transaction is completed quickly and returns home immediately. Consequently, the issue price of any escape from the attention.

I'm BACK!

2009-06-22T13:49:00.000+07:00

Halo....

Wah rasanya dah lama banget gak ngeblog lagi. Maklum lagi ada supervisi ke luar kota, jadinya gak bisa ngeblog. Mau pake modem juga percuma, coz disana kagak ada sinyal hape. Percuma deh beli modem mahal-mahal tapi gak bisa digunain. Padahal tuk beli modem, aq mesti nabung dulu. Tapi gpp deh, tuh modem masih bisa digunain sekarang. Hahaha....

Ah...

Sekarang saatnya balas dendam untuk ngeblog. Akan kubayar kerinduan q untuk ngeblog. Dan jangan lupa juga untuk blogwalking. Buat sahabat-sahabat blogger yang udah rela berkunjung kemari, q ucapkan terima kasih. Tanpa sahabat-sahabat, mungkin blog ini tidak akan exist. Trims.

Now, time to blogwalking....

Buy Gold Coins

2009-06-16T22:09:00.002+07:00

Many people believe gold is a investment product that can prevent inflation. And indeed, history proves a gold toke by people panic when that happens can be dangerous to the state economy, such as high inflation, financial crisis, or war. Gold is good enough if the investment is made and anyone not deny that gold metal is easy for re-sale. In addition, gold coin not ask for costs such as making gold jewelry. Therefore, if you want to invest in gold, so you can investment in the form of gold coins.

Now you can buy gold coins on Gold Coins Gain. It's absolutely trusted and honest aurum advisor. You can buy gold coin, gold bullion, gold IRA, or gold 401k. Gold Coins Gain provide you with some historical gold coin, like Gold American Eagle, Gold South African Krugerrand etc. You can take 2 benefit from them. First, you can invest in gold like I said before. And second, you can collect historical gold coin and become The Gold Coin Collector. But before you buy, you must make an account to Gold Coins Gain. It's easy to register and less than 5 minute to make an account. What are you waiting for, let's check them and find the benefit buy the gold coins.

Money Business Game

2009-06-09T00:07:00.002+07:00

Some of us may never get the bid money gaming business. In fact, business is often good for those who just joined, but not well for those who join later. What and how the money game, can be found in the following article.

Mrs. Yeni is confuse. First, a friend just came to her house and offers a new business that seems to be quite interesting. With a paper, his friends describe how business can be run.

What is the business? "MLM," says a friend. Okay, MLM (multi level marketing). But here I do not have the product sold? That there is that Mrs. Yeni pay some of funds, after that, he must find two people to sponsored (two person maximum).

Later, with the help of Mrs. Yeni, both people need to be able to sponsor two more, and so on. After reaching a certain level, Mrs. Yeni will get some money, and "games" that are considered complete. If you want, Bu Yeni can participate again with the re-register and repeat the game again.

I seem interesting. Yes, the bid money is interesting. And it seems at any time until the money is interesting. But if later there is nothing I do? Example, the company running. Or can also go bankrupt as Gee Cosmos recently.

Please note that the only business that relies on recruitment of such a course (with no product being sold) is called Business pyramid. Sometimes, the business pyramid is also called the Business Money Game. In Indonesia, the business is commonly called the Business Money multiplication.

How do characteristics such business?

1. Companies that conduct business is usually said that the MLM business is business. Use of the term by MLM companies’ money game is usually because they do not want the business people so lazy if they join overt mention the name of game money.

Therefore, they usually call themselves MLM, even though their name is not listed in APLI (APLI is abbreviation of India Direct Sales Association, an association of one of its functions is to filter which companies are truly doing direct sales, either by using the system or MLM not).

If their names are listed in APLI, they are a pure MLM company. That is, sometimes the company's money like that game called the game company money impersonates MLM.

2. You will be asked to pay a number of funds that is only big enough to register only. The amount varies, but usually at least about US$ 40. Amount that actually can be quite large, given that the MLM company that usually only the sincere request that the size of the fee is usually not up to US$ 15 (that is not including products).

The low cost of registration on the MLM Company is that all people can have the same opportunity to be able to join. While in the company's money game, the high cost of registration is required because they must pay the bonus money for the people above you that you have first to join.

3. MLM Company in the sterling, the cost of registration can usually be reached, because of the bonus will be paid only on products that are sold, not the cost of registration.

4. Money game business does not usually have the products to be sold to consumers. But this actually is a key factor of an MLM business is pure. Therefore, in order to be seen as an MLM, some company money and create a game is usually the product to be sold. However, there is often a product that has sold quality and the quality of the normal-normal if it does not want to called-derived origin.

In the MLM company, there must be products that are sold (whether it be goods or services), and the product must have a good enough quality to compete in the market. The product is actually also a key factor of a company to be called as a MLM or not. If the business is offered to you does not have the product, quality or origin-derived products only, do not call it business as MLM. That's clearly money game.

5. Money gaming business often benefits only those people who first join. Meanwhile, those who join later are often merely get benefit, either the company go bankrupt, closed or flee, or because people who join later often can not have income greater than the people who joined first.

That is a business like this is also called the business pyramid. If the MLM company sincere, even if you join later, you can have the opportunity to earn far more than the people above you that you have to join first.

Now that’s up with your decision whether to join the money game business is offered to you or not. Want to come, nor does anything in Indonesia because there is no law that regulate the business like that. However, should you risk your own responsibility?

My House is My Paradise

2009-06-08T00:08:00.000+07:00

Who does not want to have their own home. We certainly have every desire to have their own home as a shelter when the rain and the rest in at night. Moreover, for those already married. Not complete it alive, if still ride him on the parents. Not make them get married with a family who own it should also stay at home. Even term life settle in part by any person defined as living together, at home, with conditions such as increased household.

Unfortunately, the price of houses in urban areas is a very expensive along with the rapid development of even up to the outskirts of the city. KPR cause this problem to be the choice which can not be bargained again. Most home purchases made using credit home ownership that is currently issued by many conventional banks.

Conventional bank is not the ideal solution for a Muslim, because it would not, even though the reason for an emergency, people with half a heart Islam must accept the fact that involvement with the loan flowering. With reality like this, seems to lead the people of Islam, especially for young family, have only two choices, compromising their idealism to live clean and take up the loan-bearing, or not at all have a home.

Although still limited, has no bank financing of housing syariah. Indeed, not many people know and it seems there is no Syariah bank that this incentive to market. However, this product may not be pre-eminent Syariah bank’s products. Because almost every family needs a home financing, and most families in Indonesia are Muslims who wish to remain Istiqomah certainly have a house in accordance with.

In practice, it may not be clearly visible differences with the usual KPR. The idea is customers can buy a house with installments to the bank. The difference is, in the conventional KPR, bank loans actually give money to a consumer. And with the money, consumers and developers to buy the house. While the syariah system, banks buy the home of developer and sell it back to consumers, consumers would pay for the house with the installments. Equally installments for a house, but the term quite different. Conventional loan contract using money that flowering or usury. While Syariah bank use of that.

Examples like this: Developer X build housing and sell it the price of Rp 100 million for the 36/80 type. Because they do not have the cash of Rp 100 million, consumer financing can make a house to Syariah bank Y can buy it in installments only. If the Bank approves Y syariah, the bank will buy the house from the developer at Rp 100 million. Bank and then sell them back to the customer the price of Rp 120 million. And consumers can be at home installments Rp 120 million in a period of 10 years (120 months) to pay the Rp 1 million per month. The same as the purchase of houses in general, will also have additional costs such as notary fees, taxes, BPHTB, assessment / appraisal, provision, administration and so forth depending on the policies of banks and developers. And to affirm commitment to customers, the bank can also ask consumers to pay down or (DP) at the beginning of the down payment.

Different contract, the consequences are of course different between the KPR conventional financing and the home of syariah bank. In the conventional KPR, transaction is a bank lends money to consumers, and consumers must return it with the debt and principal installments plus interest for a particular time period. In the middle of the road if interest rates rise, the repayments to be paid will also be increased in accordance with the increase in interest rates. Consumers must pay a more expensive plan from the beginning.

While the sale and purchase the term as Syariah bank, the price should be set at the beginning and can not be changed-in the middle of the road change. If the bank sells the house to the consumer the price of Rp 120 million, then the consumer is only required to pay Rp 120 million, irrespective of the increase in interest rates.

In accordance with the spirit of Islam in the sale and purchase of following the same principles like love, the selling price of the home bank to consumer satisfaction and the time period can actually be achieved until the bargaining agreement. But of course also have Syariah bank pricing policies and the time period alone.

In addition to the five banks, the financing of housing products are also available to sharia in the Syariah BNI, BII Syariah, Bank Syariah Bukopin and Bank Syariah Indonesia. So in total there are 9 Syariah bank which currently has a product in syariah financing of housing.

And the good news also came from the BTN is already known for this bank as the government most set funding for KPR. If there is no obstacle in the way, not long BTN will launch their branch. And they say also, KPR Syariah into their security products.

If the plan is realized, it is not unlikely that there will be lots of funds to help communities have heaven in the world without having to engage with usury.

Savings for Children

2009-06-07T00:18:00.000+07:00

My name’s Ria, I have 2 son. As employees of the private sector, I want to set aside some savings for my income children, the preparation for the sequel I was not working. Are there children's savings that are tailored to the child's condition, such as the cost of entry for high school / university fees and monthly later? At least how I have to save each month? Thank you.

Ria, Jakarta

Answer:

I salute to you think that far ahead to set up education fund for your children as early as possible. Moreover, if you do not plan to continue working, or the age of the child differ far. Clearly not possible to rely solely on wages, but it must make investments now. So that when the time comes, the money is available.

Savings account at a bank can actually 'adjust' with your needs. Especially if you use the Savings Plan account. In order for your goals can be truly achieved, the exact right amount of the time. Timely means, when the need of funds has been available. Appropriate means and the amount of liquid funds in accordance with your needs.

To prepare high school education funding, try calculating how many more years he will be entering high school. Savings accounts and make the plan a set period of time according to the age of the child. If he was aged 10 years and 8 years old again entered high school, you're so savings plan maturity 8 years. This must be done so that the liquid funds can be timely. Also with the education funding for the study later.

While the fund, actually does not need to worry too because the minimum is not large. Deposits can be seen from only Rp 100,000 each month. And more convenience, you can add the fund at any time if there is more money.

Now, that amount can be right, I also highly recommend that the mother needs the first child later when the high school and enter college. How easy. First, set the first in which the mother will send children. Then we can estimate how much needs to go to high school and college with the current standard cost. Then multiply the cost now with the price increase approximately 10% each year. That is roughly the cost of the necessary later.

From this amount, then can be calculated exactly how much approximately monthly deposit that needs to be done. You can be consulted on the consultant Financial Planner, or can direct consultation with the bank officials and ask them to calculate.

Trading Tips ( Part 2 )

2009-06-04T06:35:00.000+07:00

A few last tips before you start.

1. Get Your Feet Wet Gradually. Most new traders start by opening loads of trades and then find it hard to monitor them all. As the Forex market allows you to profit from all directions, whether the pair is going up or down, as weird as it may sound, a trader can make enough money from just one currency pair. Focus in the beginning on one pair and gradually move to others.

2. Stop Forgetting Your Stop-Loss. The key factor to losses is incorrect portfolio management. Remember that a stop-loss is not there for decoration, either to prevent huge losses. Use it wisely!

3. Trading Plan/System. Every trader develops his/her own individual trading system, depending on the amount of time they have to dedicate to trading. Traders with more time may adopt a day trading system, while others might trade longer term. The important thing to remember is to stick to your trading plan. One or two loosing trades don’t necessarily mean that your system isn’t a profitable one.

4. Taking Profits. The number one problem that new traders encounter is closing their trades too early. Remember to stick to your trading plan; therefore you won’t reduce your potential profits.

5. Don’t turn a profitable trade into a losing one. Once the market is going your way and your positions shows a positive P&L, keep a close eye them. First of all move your stop loss to your entry point to secure your funds. Then move your stop loss in the direction of the trend to prevent the trade from turning into a loss.

6. “Scaling in”. Using a “Scaling in” strategy isn’t necessarily a bad thing but it can wipe out your account really fast if you don’t know how to use the strategy correctly.
“Scaling in” is a strategy where an investor increases his position size when the position is negative, hoping that it will retrace back and close all the positions in profit. The question is what happens when the currency doesn’t retrace? Sometimes it’s better to stick to a simple buy and hold strategy.

7. Plan Ahead. Never enter a trade because the price is suddenly rising or decreasing. Always plan your trade. Know your entry point, take profit and stop loss rates.

8. Capital preservation. Profits are there for the making, but the real key is not to make money; it is actually keeping it. Hold profitable trades and cut your losses quickly.

9. Momentum and the Trend. New Traders are often unaware that as a new trend starts, momentum tends to increase. Additional traders jump on for the ride strengthening the trend as it continues higher. Try to trade with the market’s momentum on your side, as it will often push your trades in the right direction, hitting your take profit sooner than you expect.

10. Don't waste your time on a losing trade. If you find yourself in a losing position, remember that sometimes it’s better to cut your losses and move on to the next trade. The Forex market is full of profitable opportunities, just waiting to be taken, so don’t waste your time on an unprofitable trade!

No that you've learn all the essential trading tips, all that's left to do is start real trading. Or practice your trading before you ues real money.

Trading Tips (Part 1)

2009-06-02T23:10:00.000+07:00

To help you begin we would like to share with you a list of common mistakes that new traders tend to make and therefore you should try to avoid.
Remember, the key to becoming a successful trader is discipline and following a set of rules:

1. Accept that a part of trading is losing. Every new trader must understand that even experts lose on trades. The number one rule when making money is to make sure your profits are much larger than your losses.

2. Money management and a trading plan. Always enter a trade knowing how much you are willing to risk and how much you want to profit from the trade. This is called a risk/reward ratio. The difference between successful traders and unsuccessful ones is that the former always enters a trade with a plan and the latter doesn’t.

3. A man’s best friend- the Forex Market. Many new traders are often hesitant to open trades due to the risk and uncertainty involved in trading. Those who overcome their fears often go on to yield enormous profits.

4. Personal responsibility. Great traders accept personal responsibility for everything they do. Remember that you're the one who is pulling the trigger. Great traders know that they are responsible for all the trades they make, either good or bad.

5. Becoming greedy. When traders have an open trade that is making them profit they often forget their pre-determined target for the trade, as they are sure that the trade will continue to make them profits. Remember that the markets are dynamic and trends don’t last forever. If the price reaches your target, bank the profits or move your stop-loss to prevent a loss.

6. Trading the News. Despite what most people might think, most of the really big market moves occur around news event. Trading volume increases and the moves are normally significant allowing traders to grab quick and rapid movements. News-traders often make only one trade a day due to the large potential profits involved.

7. Never trade on wishful thinking. If you place a trade and it's not working out for you, get out! Don't compound your mistake by staying in and hoping for a reversal.

8. Psychological Factor. Emotions are the number one cause of losses. Don't let your emotions sway you, stick to your trading plan and remember to set your stop-loss.

9. "The Trend is Your Friend". When trading in the direction of the trend you're results are almost guaranteed to improve.

By following these set of rules, you will see almost immediately see an improvement in your trades.

Expand Your Business

2009-06-01T21:27:00.002+07:00

Hello

I start a hand phone business in May 2004; this business is located in a plaza in the city of Malang with a monthly rent of 1.5 million per month. My capital was Rp 8 million. I run this business with my friend, with a capital distribution of each 50%. In the first month, the business is experiencing loss of Rp 1.4 million. Entering the second month that I can profit as much as Rp 1.5 million, gross income an average of Rp 4-5 million per month until the end of January the amount of capital in the form of cash money of Rp 13.5 million. At this time I have any desire to make a loan to the bank syariah.

I ask the question:

1. What is the term of the most effective for example if I make a loan of Rp 30 million, so that loans can be grown and not burdensome for my business?

2. How can a simple way so that the money business and money for personal use does not mix?

3. How secure is the interest rate for the business?

Best Regards,

Yanto

Answer:

Yanto, beyond words that you run a business that now bear fruit of success already. Only the capital of Rp 8 million, in just 2 months time just started a profit. Even now the form of capital is cash only grew to Rp 13.5 million. I hope your business can continue to develop in the future.

Before deciding to make a loan to the bank, I highly recommend that you plan the utilization of these funds. Rp 30 million loan will be used for anything. And how they affect your sales. For example, Rp 20 million will be used to add a second HP inventory so buyers more choice, and the remaining Rp 10 million to increase the inventory voucher to buy the wholesale price.

From there of course you will also have a sales estimate. With the increase in the second displayed HP, HP is expected to increase sales 2 times for example. And with adequate funds can expect to sell your voucher 3 times than usual. With this calculation you will be able to self about how omzet and increase profitability of your business if you get a loan capital Rp 30 million. However, if this plan does not exist, it should stop intention borrow capital. Because the capital to be useless and only your business will heavier with the cost of margin / interest should be paid to the bank.

By making the calculation as above, you can also out the how much the repayments themselves who are paid so that it can determine how long should this loan be repaid. While for the margin rate or interest rates, usually we have as consumers can not choose again, living alone receive the policy of the bank. And because the loan you plan only Rp 30 million, I do not recommend the bank, preferably to the BPR or the BPRS that specifically for small employers.

To separate the financial and personal finance business, just simple pack. Set the system that are agreed with your partner. So you both can not own one wishes to take advantage whenever and whatever, but must follow the agreed rules. For example, every month get a fixed salary, or percentage of omzet, and close the books each year and for profit. Of course, not everything is taken as a business you must continue to revolve.

Alexa Booster, Ada Yang Mau?

2009-05-31T22:28:00.002+07:00

Assalamualaikum....

Selamat pagi / siang / sore / malam, sesekali saya nulis pake Bahasa Indonesia gpp ya. Soalnya mo posting sesuatu ne. Gini, kemaren ada temen yang minta buat pengumuman ~~berbayar~~ di blog aq. Ya langsung tak buatin deh. Dia mo ngebagi2in software ke temen2, namanya AlexaBooster. Kata dia sih, tu software bisa naikin Alexa Rank. Tapi sayangnya tu software berstatus Shareware alias Gak Gratis. Kalo gak percaya silakan liat link download ini. Nah jadi dia mo ngasi temen2 software AlexaBooster lengkap dengan Serial Number dan panduannya. Coz kata si temen q ini, kalo gak register kemampuan AlexaBooster terbatas. Tapi katanya ada syaratnya. Syaratnya temen2 mesti daftar ke tempat dia dulu (pendaftaran gratis) baru bisa ngebagiin. Aq juga gak tau kenapa mesti daftar dulu, tapi kata dia sih dia dapet job dari negara ~~tangga~~ tetangga. Tapi saya belum sempat buat syarat2nya deh, coz capek banget abiz pulang dari ~~sawah~~ liburan, besok aja kali yha.

Kalo temen2 tertarik, temen2 bisa tinggalin komentar di bawah supaya ntar bisa dihubungin kalo syarat2nya dah kelar. Oke sob, cukup sekian pengumuman ~~berbayar~~ nya.

Note : Thx buat Ardi tuk share nya, dan thx juga buat ongkos pengumumannya. Lumayan bisa untuk traktirin ~~pacar~~ temen2 se-RT.

Practice Your Trading

2009-05-30T21:41:00.008+07:00

Here is the fabulous stock trading program which set the best training trade system for all of you. We use Wall Street to be the training trade stock market. First, the web site will give you counterfeit money in order to use in trade training. If who can get the good rank in trade training they will get the prize. How rewarding is it. When you have practiced until expert, you can use real money to trade. This web site will suggest you how to trade. Beside that, you can adapt the knowledge that you get from Wall Street to use in trading in others stock market world wide and Forex also.

I suggest you to play everyday. The more you play, the more chances you have to win Daily, Weekly and Overall cash prizes. You can start practice you trading skill and you can get prize. WOW!

After the experience and knowledge gained, you will have the skills to take charge of your financial future. You will have earned the training and practice needed to take an active roll in directing your retirement investments, your savings plans, or your mutual fund investments. All the while, you play in highly entertaining contests and participate in a community of like-minded traders.

Note : If you difficult to search Stock Symbol, you can search it on "Symbol Lookup"

Love and Money

2009-05-29T23:06:00.000+07:00

The only male female relationship in this time have a lot of shifting values. How should we not want to face the fact that the materialistic world and each person become more individualist? Our first parents era, each pair has to understand the natural course that is male breadwinner and the wife at home. Cultural life in accordance with the simple description is the ability to live happy, so that for each married couple who will not each too much of how the financial future. This is boosted with the cultural taboo to discuss the various practices of money before marriage. Money is still just something that is considered the symbol of evil and greed. That is when we discuss fear about money. So that intimacy does not wonder if the relationship between men and women can be changed 180 degrees after the marriage, because so many surprises that are not imagine before. One is the habit of using money previously not known.

So before you both decide to proceed to stage your wedding for a marriage, there are a few things about money that you need to know as a pair.

"If we love one another we will not quarrel for the money"

Based on the experience of verbal consultation with the client's husband and wife pair, I can infer. Money may only have a relationship with love, but that is very in touch with you the many squabbling. No matter the size of the love you never the husband or wife. If both of you can not bridge the difference of views about money, and forcing them to take financial decisions that can not accommodate the feelings of one another, will have problems in your relationship. Love was not able to overcome everything, because if the case is not the marriage ended with divorce. Love that brings you to create levels of intimacy and marriage for several years thereafter. However, wedding need more than love. So let's think a moment and understand some of the following facts:

* How you spend your money is not related to how you love one another
You both are raised differently, so that money is also way to treat the different
* What is money for you is not always the same with your partner
How you shop may also differ from one another

The facts that this is happening in most pairs and make a difference on the money from both of you. So that is very reasonable if contend because the money is not because they do not love, but because of differences in line.

"If we do not discuss the issue of money, everything will work well"

Many candidates think that the pair did not discuss the problem with the money then they will not have any financial problems. In fact many people avoid the financial problems with it; hope will be completed by itself. People even prefer to discuss only silent because of fear of a quarrel about money. But what may look for a way out of a problem if we do not even want to discuss. Therefore if you are not immediately familiarize myself to start talking about money problems so you can both go bankrupt. The destiny indeed comes from God, but He did not send it directly to your account.

So where we start? It's easy. Like almost all aspects of life, the place we start managing our finances well is from the house. The meaning is you and your partner should begin talking about money together. For many couples who are still reluctant to discuss this matter. Only a few of us in the big two where parents can discuss the problem with free money to one another - with the children on the table. Consequently, many of us do not know how to manage family finances, do not even know how talk start - even with a pair of his life alone!

Talk about the Money Is Not Forbidden

The fact that we are not raised in the environment in which to discuss the taboo about money is indeed a tragedy. Consequently, many problems of marriage are also triggered because many couples are reluctant to discuss and tend to hide financial problems. Finally, many couples who can not cooperate in overcoming financial problems. If it is not forced to follow the will pair a more dominant, so they can be run separately. In fact, if each pair would work together, they even get the results several times better than if done alone. So do not hesitate, any financial purpose, any financial issues, working with partner providing the encouragement and the spirit of the idea that there is no effort to make the utmost achievement of financial goals become much easier.

Law 72

2009-05-28T22:13:00.001+07:00

When value investment becomes two times bigger? If you invest only once, so there's time where the amount of your investment will be two time. For example, when you invest US$ 10,000 in deposits that provide the interest rate 12% per year (in the roll over each year), your money of US$ 10,000 will be bigger two times in six years.

How is calculated by using the Law 72. Divide the number 72 with the interest rate of the product of your investment. This means:
= 72: 12
= 6 years.
That period of time it takes for your investment can be bigger two times.

Of course, the higher the results of your investment, the more quickly the two of your investment. For example, if you deposit interest rate is 24% per year (in the roll over each year), then your money of US$ 10,000 in two folded within 3 years (72: 24 = 3). Compare the interest rate if you deposit just 12%, which takes 6 years in order to US$ 10,000 convert more bigger two times.

Internet Marketing Business

2009-05-27T21:55:00.001+07:00

I want to ask the internet marketing business, how their systems work and how the law in Islam vision? Thank you for the answer

Answer:

If I see from the term, I think the widespread internet marketing is a method to market through the internet network. But if we see a lot lately that offers internet marketing as a business opportunity, this may tend to be more similar to MLM or network marketing via the internet.

Product itself can be anything, or even sometimes also does not have the product at all so it can be said as a money game. Or there is the conventional MLM but also marketing and recruitment via the internet. This can also still refer to as the internet marketing.

So to assess how the legal system needs to first see what businesses. If the definition of internet marketing is selling the goods marketed through the Internet, I do not think there is a problem with this. However, if the MLM system is done via the internet, I like the legal MLM. Meanwhile, if there is not only the goods and deposit the money only, this is clear and legal money game unlawful. If you get a quote like this business, it's good to ask for explanations until the detail from your prospect. If the explanation does not make you understand the system work, benefits and risk, although the offer to leave only a great benefit. But if the explanation makes sense to you and you also understand well what the positive and negative, I think you can decide.

Introduction with Stocks (part 2)

2009-05-26T16:07:00.003+07:00

In practice, each day there are a lot of people sell or buy shares. Sale and purchase transactions, but this can not in any place. Regulations require that, the sale and purchase of shares must be made in a special place called the stock. Bursa is approximately synonymous with the market, when the sellers and buyers meet.

Stock exchanges are called stocks, or in Indonesia, better known by the name of securities exchange (in the English Dictionary, is the effect of securities). What is called the exchange effect? This is because in exchange we not only sell or buy shares, but also securities other than shares (we will study in the future).

In Indonesia, the Stock Exchange is concentrated in Jakarta, and is located in a building called Building BEJ (Jakarta Stock Exchange). Jakarta Stock Exchange Building itself has a lot of office space is rented, so there is not only exchanges.

Those who share these stocks called investors (capitalist). Whether investors who want to buy or sell shares need to come directly to the Stock Exchange to be able to deal? No. In practice, investors simply use the services of brokers called the broker. BEJ have in many companies that operate service broker. They became members BEJ.

Benefits of using the service broker is no matter where you are in Indonesia, you can still call the company and give your Broker to sell or buy order, so that your broker is doing the sale and purchase transaction for you. Your own as investors do not need to know from you where investors buy shares you. Similarly to the investor where you sell your shares. This is because investors have to use the service broker, and the broker who meet each other.

Use Broker Services

What is the minimum number of transactions in the stock purchase? Some companies require that your broker to buy stocks with at least a certain amount. If you want to buy below the minimum amount, the broker will not execute your order transaction.

Therefore, to facilitate the purchase transaction with the minimum amount, BEJ put at least a certain amount, called a lot. One lot is the same as the 500 shares. Special for stock banks, one lot with the same 100 shares. So you can count the self, when you drill shares worth Rp 2000 for example, then this means you must make at least Rp 10 million. If the stock is stock-stock banks, the minimum transaction Rp 2 million.

Once again, not all companies require that your broker to buy with the amount of at least one lot. There are also exceptions that can be purchased under this amount. This is known as the term odd lot.

You can buy shares with the company to come to a broker. This company is usually called a "mediator company traders effects." Yellow pages in the User's Guide Telephone (yellow pages), you can find companies like this in the broker said. There are many brokers to be members of the Jakarta Stock Exchange at the moment. So make sure you select good broker.

What should you do if you want to buy shares? Usually this is to open an account in the company's broker and enter a certain amount of money. Money that is later to be used by your broker to make stock. So don’t use to buy new shares the love of your money back.

Classified Risk Level

Please note that by buying stocks, this means you are buying ownership of a company. The difference with having your own company, in this case you buy that business ownership is already running. You need not trouble to establish a new business in the form of PT, for example, because you buy a PT is run and operated.

You may ask, from where I know companies that are already running a blessing or loss? The answer: from the Financial Report is published regularly by the company. And financial reports are to be examined by an independent accountant who have license.

Investment in stocks is also risky. You buy a stock that can be decreased. This is not all that makes people want to invest in shares. We often hear there are people who lose millions of rupiah, but there are also people who have experienced the benefits millions of rupiah. And that does not make all people want to invest in shares.

So actually, the risk in buying shares in BEJ with the same risk if you establish a new business, that you have the possibility to benefit, the same amount of experience with the potential loss.

However, do not be afraid, because the stock already in BEJ is classified in grade level based on risk. Start from the stock risk loss indeed small but the benefits are also small, share-share until the risk loss and big possibility but there is also great. Ask the research / analyst in the company of your stock broker-shares are classified into the classification-classification. Oh yes, not all companies have the research broker / analyst. So make sure you have the company's broker section.

Once again, the risk of stock investment is the same with the fact that you establish a new business, that you have the possibility to benefit, the same amount of experience with the potential loss.

Show no pity so do not: if you do not know what risks you face, you surely will not dare to invest in shares. The purpose of this paper is to identify your investment stock, so with so you can make the stock as an alternative investment.

Introduction with Stocks

2009-05-25T14:42:00.000+07:00

Introduction with Stocks

Have you ever thought to have a business? Just say you want to have a business as a shop. What can you do to be able to have a store?

If you have capital, you can buy or rent a building and purchase items that will be sold. If your store is still new, of course there are certain risks, such as your store is not yet famous. That is, have not visited your store a lot of buyers.

Then, as an alternative, why not try to buy other stores that have been first established? You can be promiscuous shop where you want to buy, and of course you will choose a shop that seems to be enough known and in demand, is not it?

If so, then the money you should pay to the old shop owner is usually worth the price (if the building is owned stores) and goods sold therein. In other words, you have to buy store ownership, in which you buy is the capital.

Small Fractions

In the business world not only shops that can provide benefits. Business that does not also shaped many shops that can profit. Business is usually in the form of agency business, or in other words; the company. Same with the stores, company ownership can also be purchased. So you can choose the company which is approximately always profitable in the year-ago month, and you can buy ownership (capital) of the company.

Different from the store, generally a company's capital far more than the capital of a shop. For example, the capital's shops you want to buy may be US$ 3,000 but the capital of the company that you want to buy can only reach US$ 30,000.

The problem is, not all people have the cash in US$ 30,000. Maybe people only have US$ 300, so this means he only get the ownership of only one percent of all values of the company. But how so that it can buy only the ownership of one percent of that?

By law, ownership of the company divided into the fraction fraction-called small shareholders. For example, the ownership of a company worth US$ 30,000 earlier divided into shares in a stock rated say 0.1 cent. Thus, if you only have US$ 300, then you can only buy 3000 stocks.

Benefit Buy Stocks

The advantage is that you will get by buying shares or ownership of a company?

1. If the company hit (return), then you usually get the benefit of the so-called dividend. Take an example, if the shares of a dividend you receive 0.01 cent per sheet, 3000 with the shares you own, the total dividend you get is US$ 30. Of course the sizes of the benchmark dividend differ between one company with other. The more shares you have, the larger the dividend if you can hit the company.

2. Second advantage, can only increase the value of your shares. Example, we return you to buy shares at 0.1 cent. Well, then when more and more who want to buy the company stock, then stock prices may have increased so say 0.14 cent per sheet. Thus, when you sell it, this means you get the benefit of 40 percent. Benefits such as this are called capital gain. Where you sell the stock? Not to the company that published the shares concerned, but on the other people who really want to have these shares.

Of course, investment in the form of shares is also at risk. That is, the decline in stock prices that you have. Example, 0.1 cent down per 600 shares. When you sell, you will be loss of 0.04 cent per share. Losses like this always called capital loss. Where you sell it? Also to others who really want to have these shares.

Children Financial Intelligence

2009-05-24T19:51:00.002+07:00

In all things related to money, the coverage of a child not to think of adults. What's important to you, not necessarily important to them they do not always agree, also make mistakes in managing money are things that you will face in the process of teaching money management in children. However, not the way our children learn about money the same ways we learn about money are also other things that are very important in this life. That is the step after step to make the little mistakes and the consequences.

Therefore forcing the logical thinking adult less precisely applied to the children. This means if you want to teach children the value of money, put yourself first on their position. Three of the following approaches, hopefully you can help raise the financial acumen to your child

Saving with Happiness

Parents are often aware of force without the children to save. Each time they have obtained more money from the grandmother, uncle, aunt or even your own, without realizing you forbid them to use. Can you imagine what horrid the children if they use the money freely and cause problems when they are not supervised? This causes the command to save the parents of children perceived by even more as a prison where parents withhold money belonging to the children so that they can not be used.

Activities are activities that are intended for a future result. Money not used to save the results now, but a later time. Create adults of the future means that many years later, for example, base pay university fee. High child, buy a house or retirement preparation. Create children of the future when money is related with when 6 months longer be able to buy their own play station, 3 minutes longer hours to buy a new hand, or next month can go to a concert of music group. Children may be more motivated to save for this short libertine. Therefore, forcing the concept of saving for the future with the calculation of time for many years and then received will difficult children. Saving money with the goal of saving for a possible, make the children of the same course with no opportunity to use the money.

Parents should know that the future is a different child with you. Understand that time is running more slowly for small children than for adults. Therefore the perception of the future for children is a time not too long, usually less than one year, for the time period for the future of children is much shorter than adults.

Saving will not have meaning, unless done with the volunteer. If parents automatically confiscate the money of children, whether it be money or gifts of money and pocket to savings or to the bank, your child will not be considered part of it there own, especially if your goal is to save money to pay for school expenses or for other children are still far ahead.

As our own parents did not think to save ourselves as a form of punishment. We will make sure to save our lives better and the result will be that we enjoy. If we sacrifice a little of this time, we believe that the time is estimated, we will be able to buy a better car, move to a bigger house, send our children to college favorite, or early retirement. In other words, we put aside for selfish reasons. We spend less money now to spend more money in the future.

Therefore, to motivate the children that want to learn to save, so they need a selfish reason that makes sense for them. To be interesting for children, must be able to make saving children lives better and can achieve financial goals, just as you feel. Benefits can also be felt at the time that children have a reasonable, instead of being as far as possible to the future that does not exist in the natural mind of children.

Taking the concept of freedom of decision

Children need to control their own money. Why? Because if the money they spend is not really belong to them, children have no reason to consider how the force to lose it. Children often ask their parents whine buy something he does not care about marks and less responsible with money from his parents, and for what they are responsible, yet it is not their money? However, children are very careful to spend money in their own. Not mean that all is allowed. During the behavior in the limit allowed, the child should be allowed to take their own decisions and you may be able to offer advice based on experience of the decision. Children who do not have control over their own money do not have a reason to not ask for money and will soon throw the money they get.

Control over the money of their force against children and consider their desire that reality. This is also exempt from the obligation of parents is always the role of judge and advise in the family's financial problems. If your child would like to buy toys, he does not need to convince you that your purchase is useful, but he must convince himself. And if he decided to ask you, you know he will fair enough. So the question must be your child is not "How do I coax you to pay for this toy?

Concept Parents as Example

The water stream falls to the cesspool, then a child so her parents too. A child is reflection of the nature of toxicity and their parents, almost like a copy or photocopy. So do the things that match what you teach to your children, not the reverse. Teach you to cut corners, but even your own spendthrift. In fact every day we have been taught about money in the child. We teach them money every time the budget penetration, appear happy or sad each time you return home work, pay credit card bills on time or accumulate debt to swell. During infancy, subjects are given without realizing that this often leaves the impression more profound than anything we say to them. Therefore the best way for money to teach children is to live where the money is used appropriately and always provide a good example of the use of money.

Three Ways to Get Money

2009-05-23T15:43:00.002+07:00

There are three ways to get money:

1. Work. You can get money in a way to work, whether it works on other people, or open their own business. With work on other people, then the money you get is usually in the form of salary. With the opening of its own, the money that you can usually get larger than when you work on other people.

2. Inheritance or Gift. How to find the next money is to someone, such as from parents or your partner. In addition, money also can you get from other people in the form of gift or giving.

3. Investment. Third way to get money is to invest the money I already have on you at this time. When you make a deposit with the investment, then you will get the money in the form of deposit interest rates. If you buy shares in a certain price and sell it again with a higher price, then you will get money from the difference between selling price and the price.

Planning Income and Expense Every Month

2009-05-22T22:35:00.000+07:00

There are several things to help your finance every month :

1. Plan your income and expense every month
2. Do the plan strictly
3. Have reserves fund
4. Take some insurances

This article will discuss point 1 and 2.

1. Plan your income and expense every month

Starting right now, plan when you will get your salary, how much its amount, and when you will spend your money, what the posts and how much the amount of expenses. The plan called Budget.

In example, you will receive this much on your salary on 27th, then from that amount you will use this much for this expense, that amount for that expense, and so on. So, if you make a budget first, you will detect on the first place whether there will be deficit or not in the middle of the month. If yes, you can revise the budget to avoid deficit.

Composing budget is very easy. If you have already known the amount of average income and expense every month, you could also predict how much income and expense for the next coming months.

Budget function

Many people feels uncomfortable to draw up and have budget. They think budget is the same with restrain their shopping desire.

NO. The function of a budget is to inform if your expense surpass your income or not. If yes, you ocan revise the budget so deficit can be avoided.

But, if you do not have budget, you will be difficult to know if your family expense has surpassed the income. So, if there is deficit at the end of the month, you just realize it at that time, after all has happened.

IMPORTANT

Include saving in your budget. Usually people save their money later, after their money was spent. So, sometimes they cannot save their money because all of their money was spent for shopping.

Thereby, it would be better if saving is not included later but earlier. Therefore, when you draw up a budget, insert saving as one of the posts that you must do earlier, at least after you repay your loan.

2. Do the plan strictly.

A plan is useless if it is not done. In here, plan of income and expense as much as Rp250,000, if you strictly obey and want to do according the budget, at the end of the month the discrepancy between income and expense of your family will be certainly figured out, namely Rp250,000.

Thereby, it would be easier to make another plan froward, because you have already known that every end of the month you surely have discrepancy of Rp250,000, which can be used for another purpose.

However, sometimes people, although have already made up a simple budget, is still unable to meet their budget. If he, i.e. allocated Rp500,000 per month for shopping, the figure could expand to Rp750,000.

This can be prevented with a harder system, namely 'envelope system'. If you have already drawn up a budget, you should allocate the amount right away according to each post. Each post is represented by one envelope. If the money in the envelope is empty, you don't have to try opening the other envelopes, because you have already known that budget for the related post has touched its limit. Envelope system is a little complicated, but perhaps it is the sacrifice that you should doso that you will not experience deficit. The most important, your expense now is more controllable.

Paying Post; Advertising on Blog

2009-05-21T21:38:00.000+07:00

Advertise on blogs is an alternate to introduce your business. You can make a request to blogger to write about your business, how it works etc. If their visitor read his/her article about your business then they get benefit after read, they will go to your site. For blogger, it's also make their blog monetized. It's good if they have problem with bad credit or debt.

PayingPost is PTR Program (paid to review) that can follow by you as a beginning in making money online, because it does not need blog with high PR and Alexa Rank. We can already get at least US$ 5 per posting, but the better blogs that have high PR and Alexa Rank also take precedence.

In this program paying post system is waiting for work job, and can be spelled out fight, because sometimes the job according to the blog category and we only provide very few number of posting so that the opportunity has been taken by another blogger, for that when we follow this program, just make sure we open the opportunity

For this program we are required to place the specific HTML code that has been created and placed them on our blog, and the payout for a minimum of US$ 50, and payment can be made via paypal.

Now one does not have trying to get in one of the programs of this money on the internet, because only with the post in accordance with the commands we have already get paid, but when we do the job then will also be additional revenue. If you interested, please register to PayingPost directly.

Convert Your Hobbies to Cash

2009-05-21T21:12:00.002+07:00

Time has not cleave the company's salary and work, because the risk is still high that cause you to lose the job. Why not try to get additional revenue from the hobby. Rather than continue as one of the higher-waste, let us strive to become our hobby money machine.

Madness people will focus on a hobby; it can be easily met in our daily life. For example, someone who likes hunting antiques can spend more time, energy and even money to hundreds or millions of dollar for the other people as useless. Compare with the whim of the hobby with a bird or fish turtledove?

May feel is not reasonable for other people. Hobbies may be spelled out as a fulfillment of spiritual needs to escape from the saturation and exhaustion due to daily routines in the search for sustenance. Because that is, in effect in a matter of hobby that is fun unlimited. When hobby to a business in the region, although the calculation of profit-loss, business feasibility, opportunities and so forth but also be a consideration the more dominant. The phrase often heard, I hit a problem or an important hobby!

Nice Working with Exercise
But that is why the business activities of the hobby that often works well. Where one of the keys to start a successful business is happy to work with, as if we are to do the hobby-up time and do not forget to have tired. That there is truth in both begin to develop business and do something with the foundation of love, not that we work for the best results and full sincerity

No wonder if many people start a business because it is a hobby or avocation. Shade earning big job to do with the desire to be liked that a lot of people. For the people that usually do the best for the activities of interest, so do not wonder if the result maximum. Hobby that is done with the goal of early release stress, and even cash bonuses that would be great fun.

First Step Change Become Hobbies Business
One thing that many in the business is making the first step. However, still only the first step to do so. Is not the big things that started from a small, and a thousand steps, may not occur without the first step. What should be done so that our hobby can make money, here is how:

1. Take more time for your hobby, and produce the works with better quality and more quantity. "Practice makes perfect" with the practice continues then we will produce a better paper. Works to improve the quality of the selling value, especially when many people have the same hobby, of course you must have a product value of more than similar products. Most do not work you can compete in the market. The problem is when the hobby is usually done to spare if eventually become routine, then they tend to be lazy to do it.

It is natural indeed occur, but that is the consequence of changes hobby into a business. So that you do not languish in the process of this change, then do it slowly or gradually, do not impose themselves to spend far more time, but only a little more from time to time. For example, if you make works once, then do not force themselves to make the results of the paper once a week. Increase productivity to be twice a month, and if it is comfortable with the rhythm of the new, do not hesitate to increase the productivity at higher again.

2. To hold your knowledge, can be through courses, seminars, or training related to your hobby. Usually in the course you will get such a certificate can later increase customer trust and prestige, so power increased selling your work .. Than through the course there are many cheap way to increase your knowledge, with through books, magazines, internet and other media information.

3. Learn directly from people who are experts or have successfully run the hobby. Getting a mentor or interact with people who have same hobby can also be the best way how to produce works of the best and competitive in terms of price also quality. For the most important from a hobby is a business so that if people want to buy the works that you produce, and how many people would pay for it. From those who have been successful in the hobby so that your business can find information on how to run the business successfully. Moreover interact with them, work skills, and you always measured by a competent person field.

In addition, in environments that has the same interest will also increase the motivation in your business. If there are any associations in your hobby, try to join and actively. Some associations have a community for those who like the same hobby. There are many benefits that you can follow with the association, among others: the latest developments and get information about the hobby that you may be used in the search for opportunities increase the opportunity to get customers, get a free promotion for your business, and expand the network.

4. Offer your work from one store to another store, from one person to another person. Of course, you are expected not easily broken spirit, if you offer a product in decline. and also, do not be ashamed. Known from experience, people nearby may be early consumers. In this way, can also help overcome the capital's financial difficulties, because they can be asked to pay upfront, before the goods are made or delivered

In the end all the options back to each of us, because not all people have a hobby are lucky, or have a hobby that can potentially make money. Many of the delayed opening of the still confused determine which areas of business interest. But it does not mean if it does not have any hobbies, and then open the possibility of a closed business, as many other sources of business ideas you can do.

The key is whatever you choose, love it! By doing work that beloved, as you have a hobby of the withdrawal. Instead many people who also have a hobby, but not interested to change it into a business that produces money. Easy-easy this time any posts add your insight to the opportunities and potential business from hobby.

Retirement Investment

2009-05-20T11:05:00.000+07:00

Dear U-A
I’m an employees in a company in Jakarta, 31 years and have one children. I have some small pieces of stock-based company construction and agribusiness. Then I also have a few mutual funds in one of the invest manager. I have some questions that are still up with my investment.

First am I have enough stock in the field of construction and agribusiness for the preparation of the future / my retirement? Second, if we are already planning a RD investment growth target each year for the preparation of pension provision in the appropriate direction you say at the book "a preparation period of retirement" and the target slip 2-3 years in a row (because fluctuations tend to nab you down), how the attitudes I next? Stay forward on RD investment manager page or change the investment managers? And the third is whether I need to get a bonus each of my office invested entirely in the RD to override the reserve fund?

So this is my question, thank you.

Answer:

What you do now is actually good, where you have the need to prepare for retirement later. Well, in the conduct of investment there are several things that need to be consistent so that the needs and capabilities to set it up. First, set the first Financial Goals you want to achieve in the future including the time period and also the value. Then all of the products also learned that there is outside investment there and adjust the points first. The longer the period of time, you can take that risk investment product with high expectations following the result was high. But if a short period of time such as only one of two years, then I have one I use your product more secure investments, such as deposits or money market mutual funds.

Now to answer your question first, whether the prospective shareholders to be able to have as a pension investment preparation. You see the stock collection at this time, which is a stock company and the construction agribusiness, mm ... we see that this country will still continue to build all kinds of infrastructure that is required, which of course they still need the company construction so many investors are still will embed funds in the company. As well as agribusiness, where India in place as one of the main suppliers of various commodities to be processed into new energy. Thus, because the demand is, stock prices can be increased will participate in the long term,. But I also I have one also, if you invest through Mutual Funds shares.

Now, what if your target investment fumbles? In making the investment it is difficult to guess exactly how the future because it's all related to social conditions, economic and political, but it does not mean you can not overcome. One way is to make a move (switching) from one species to other investment. But of course once you find out what factors are causing the target was not reached.
If it's outside the company's investment, I suggest you do not need to move within 1 year. This is because the conditions will be expected soon and the value of the investment will return to the track. But if it's in the company that was not good in the management of the funds, then I have to move one to the other fund managers, the Investment Manager to the other may be better.

Third, what with the bonus earned? You must enjoy that. However all items in the financial family, use about 30 % to pay first installment (also if you have one). Then capture 20-30 percent more to invest in mutual funds. And the rest can be spent to buy new clothes, roads or whatever. Yet you also need refreshing after all this time working?

Investment Tips Facing the Inflation and Tax

2009-05-19T20:21:00.004+07:00

Most people put money in a safe way only. Why do they put 100% funds to invest in products that are 'safe', such as savings accounts or deposits in the bank? The answer is because people like this fear of losing money.

If you are still young (say, are still under age 40), it is actually very ironic and very be pitied. Because what they think the investments that are 'safe', such as savings accounts or deposits, does not actually even 'safe'. How possible? If you have the money US$ 100K to put in deposits, it may be at this point you will get an interest rate of 12% per year. Correct? Thus, the amount of interest you get on the end of the year are: US$ 100K x 12% = US$ 12K

However, if the tax cut deposit interest rates of 15%, the interest rate you get is US$ 10,200 at the end of the year. So actually, the interest rate you get after tax is 10.2% per year.

Now the problem, whether the amount of interest US$ 10,200 can continue to purchase goods and services which cost US$ 10,200 per year? The answer is not clear. Why? What, in the last 12 years the average price increase of goods and services going on in India is 13.35% per year. The increase in goods and services in aggregate always shown through the calculation of inflation that the government announced each month. Below is a table full:

Year
1988 = 5.47%
1989 = 5.97%
1990 = 9.53%
1991 = 9.52%
1992 = 4.94%
1993 = 9.77%
1994 = 9.24%
1995 = 8.64%
1996 = 6.47%
1997 = 11.06%
1998 = 77.63%
1999 = 2.01%

Average = 13.35%

With this assumption the fact that real interest rate you get is: the interest rate after tax (10.2%), reduced inflation (13.35%) with the minus 3.15%.

That is, if the current money you invest US$ 100K, and then deposit that gives 12% interest per year before tax, after 10 years your real balance at the end of the year to 10 is US$ 72,609 In other words, you shrink the money of 3.15% per year.

This is why many people fail in finance. They were too focused on security issues rather than try to take the investment risk is greater. Most useful for risk benefit is greater for 'defeat' the level of inflation. With a focus on investments that are 'safe-safe' course, the results obtained by the real investment are not large. Even tend to minus as in the example above.

If you want to accumulate wealth, then what you should do is to take the risk is greater so that it can provide potential profit is greater. So you still get the benefits that can be spelled tolerable, even though taxes have been cut and inflation.

Requirement for Take Credit Card Application

2009-05-18T22:00:00.000+07:00

We will talk about how the terms of a loan in the bank. You will be asked submit a copy identity such as ID cards, driver's license, or passport. You are also requested to fill out a form of savings that contain personal ID yourself. The goal is that the Bank has the correct information, so that they can identify yourself as a legitimate and entitled to perform transactions from your account.

That is, if you want to save money in the bank. Now what if you want to borrow money from the bank? Here, the bank as a loan fund called the creditor and the borrowing of funds from the bank called the debtor.

Requirements to apply for credit in the bank are not expected by people. Even the terms actually quite easy. But of course, there is more data that must be completed than if you open a savings account. This is only fair. You certainly do not want to lend money to the board if any person does not believe that your money will be returned. Like others, if you give as gifts or donations.

Nah, to assess whether the candidates are given credit worthy borrowers, the bank must get the information correct and accurate, such as the character of the debtor, the funds held at this time, the influence of economic conditions at this time against the debtor, the security submitted, and many more.

More or less the same as you, the bank also received a proposal in which the credit entry implement the principles lend money. This is required by the banking in Indonesia, even in the world.

Remember that every cent of which was distributed to the public by the bank is owned by the community as well. For each client funds that are saved in the bank, the bank promised to return it to the customer at any time following the interest rates. Because the bank always performs a range of credit analysis to assess the feasibility of the credit will be given to prospective customers.

Anyone can submit a bank providing credit to qualify. In general, the debtor bank divides into two major groups, the individual debtor and the debtor company (once again, is the debtor who borrowed money from the bank).

The following are the requirements that banks are required from each group.

Individual debtor

Individual debtor consists of a variety of professional backgrounds. Can be doctors, artists, civil servants, clothing designer, architect, private employees, vendors, and others. Each profession has something special for themselves by the bank divided into three groups, namely entrepreneurs, employees, and professionals.

Requirements that are required for each individual debtor is, in general, is the same as:

1. Copy identification (ID card, driver's license, or passport)

2. Copy marriage certificate (for married)

Bank asks for a copy of marriage certificate for the debtor who is already married to see if the property is a property guaranteed husband-wife or not, so that both husband and wife or debtor approval and can take part responsible for the property to the guaranteed following a number of bank debt.

3. Copy card family.

Same as number 2 above and also to determine whether the prospective borrowers also bear the cost of living money other than himself.

4. Account newspaper, copy / copy or checking account in a bank savings book anywhere between 6 s and d last 3 months.

Data Bank is required to perform financial analysis the debtor candidate, so it can be measured in how much revenue can be a debtor to pay the loan installment every month.

5. Copy salary slip and a letter from the company's work.

This requirement only applies to prospective borrowers who work in a company, government or private sector. The goal is to ensure that prospective borrowers are working there and have a fixed income every month.

Business / Company

Debtor in the form of a body corporate includes a business such as CV, PT, firm, and others. Requirements that are required are:

1. Copy of the identity of the management company (director & trustee)

2. Copy NPWP (Main Number assessable)

3. Copy SIUP (Surat Ijin Usaha Perdagangan)

4. The Copy Company's Akte Notaris

5. Copy TDP (Company Registration Number)

Points number 1 s / d 5 will be used by the bank to check the validity / legality of what is listed on the deed to the field of business, all of the license and tax obligations to the country.

6. Copy newspaper account / giro or savings book at any bank for 6 s / d last 3 months.

7. Other financial data, such as balance sheet, profit loss report, the sale & purchase of notes daily, and other bookkeeping data.

Points number 6 and 7 are used to perform various Bank financial analysis of prospective the debtor. Competence in the debtor to pay back debts will analyzed from various sides, such as: ability to pay back debt in the short term, management capacity and effectiveness in managing resource held, the ability to print in return, and so forth.

Warranty

When a loan to the bank, usually you will be asked to guarantee a property that you own the bank so if you can not afford to make repayments, the bank will foreclose the property you are guarantee instead of money you borrow. Of course, the value of goods that guarantee must be greater or at least should be the same as the value of money you borrow.

Assurance required by the Bank Credit for Home Ownership is usually home to be purchased it. Car Ownership in the Credit, the car will be purchased it is usually made the guarantee.

While for the Business Credit, the required insurance is usually more varied, such as land, houses, shop, apartment, vehicle, factory and others.

To assess whether the proposed collateral eligible for the guarantee the Bank will assess the proposed re-insurance, usually the Bank has its own team of assessors in the insurance rate, although it sometimes is also a bank wearing a team from outside the insurance assessors.

Well, hopefully with this description you will not need to hesitate to borrow money from banks. Whether it needs to buy a house, car, business capital, and so forth.

Secret Financial Management

2009-05-17T21:52:00.000+07:00

This time I didnt get some idea to write, so I take an article from Safir Senduk, thanks to him. Let's read his article.

A huge earning is usually considered for measuring the wealth of someone. However, why do so many people with huge income frequently end up running out of money in the middle or at the end of the month? What is the problem?

If you have a job now, do you remember the first one you ever had? Usually, the first experience on work is the most unforgettable experience.

Let's take an example. Anto was still living with his family until he got a job at the age of 23, as a clerk in a trading company. At that time, he had just graduated. Although he had to go through a probationary period, Anto was so excited when he knew that he would get his first salary. His salary was Rp 600,000, which he would receive on the 27th.

We can guess what he would want to do: he wanted to treat his family. He wanted to express his gratitude for getting a salary for the first time in his life, and he also wanted to show them that he was independent now.

Let's see: he received the salary on the 27th. On the 29th he took his family out for a meal in an all-you-can-eat restaurant, so each of them could satisfy their appetite. The pre-tax cost for one person was Rp 22,000, and after tax was Rp 24,200 per person. All of his family members were 7, consisting of his father, mother, one big brother and 3 annoying younger brothers. All was 6, plus Anto made it 7. It means that he had to pay the dinner bill of Rp 169,400. Which means, only 2 days after he received his salary, he had already spent 28% out of his salary for that month. So, he had only Rp 430,600 left for the rest of the month.

"No problem", thought Anto. "It's my own family that I treated, not other people. Besides, it's not every day I do that. Once a month is enough." Days went by. One week, 2 weeks, 3 weeks. "Hmm…that stuff in the mall looks pretty good. There is a very interesting looking shirt. Okay, it costs Rp 28,000. There's also this nice pair of trousers to wear for work. Very cheap, costs only Rp 65,000. It won't hurt to look stylish at the office". He then started buying things. "Okay", Anto thought, "one shirt and a pair of pants for this month. The rest of my salary would be used for transportation and food until the end of the month" .

What happened? On the 24th of the next month, just three days before his second-month payday, he had only Rp 50,000 left.

Anto started thinking. Okay...., such was because he spent most of his money to treat his family. Also this was his first time working. Within the coming months, his finance would be better.

The second month, he got his salary again. Still in the same amount. No raise yet. The difference was no more treating the family. Days and weeks went by. A few days before his third salary, he only had Rp 75,000 left.

Three months passed by, he was finally accepted as permanent employee. He got a Rp 150,000 raise to Rp 750,000. "Not bad", Anto thought. This meant that I would be able to "breath" and save a little. But strangely, a few days before even one month period ended, his still had only little money left. The sixth month, the seventh month, the eight month, although he got a raise, but he still ran out of money and could not put any into savings.

As a matter of fact, Anto is not the only one, whose income is under Rp 1m, with this problem. Even people with millions per month income still have trouble saving money.

What is really happening? Many people think that by getting a raise, they will not run out of money in the middle of the month and they can save for sure. Every month they hope that they will get a raise the next months. But after they really get a raise, they still run out of money.

It is clear that the solution here lies not on how big your income is. The amount of your income does not guarantee that you will not run out of money in the middle of the month. The size of your income does not guarantee that you will be able to save. The key here is not how much money you make, but how you manage your income so that it can be stretched in a one-month period.

There is no fixed way on the right method to manage your finance. However, based from experiences, there are several things that can help you manage your finance well each month:

1. Plan your income and outcome every month.
2. Carry out the plan strictly.
3. Have reserved fund.
4. Join insurance plan.

Calculate Your Capital

2009-05-16T22:29:00.000+07:00

The decision to set up savings or insurance for children often make their parents upset. Savings and insurance have a different function. Savings account is that we open in the bank, but we can take at any time. While insurance is the protection provided by insurance companies to us if we have the risk.

Often, we just ask people who have a business: "How much capital do you need first is when you open a business that now?". Answers that often appears is: "... the thousand dollars ...." correct right? Principally, there are a number of exit. But, if you asked like that, you can’t say. Because usually when we want to run a business, many of us who do not know how to calculate.

This time I will share a secret to you about how to calculate the amount of capital you need when you want to start a business.

In principle, in running a business, there are only 3 types of capital that you will spend:

1. First Capital Investment
2. Working Capital
3. Operational Capital

Let's discuss one by one.

1. First Capital Investment
What is the initial capital investment? This is the type of capital that you need to spend at the beginning, and is usually used for long-term. Examples of this capital is the building, equipment such as computers, vehicles, office furniture and other goods used for the long term.

If your business about workshop motor business, so your initial capital investment is the building, workshop equipment, and other furnishings that are needed in the workshop. If your business stores, so your initial capital investment is a shelf, table, and may also cashier machine.

Usually, this capital value is large enough to be used because the long term. But the value of First Capital Investment will dwindle from year to year can be even from month to month.

2. Working Capital
This is capital that you need to spend to buy or make your merchandise. Working capital may be issued each month, or every order comes.

For example, if your business about food business, the working capital you need is capital to buy food. If your business about made craft goods, then your work capital is money you spend to buy the raw materials. If your business is photocopying services, working capital so you spend your money to buy paper, ink, and so forth.

Principle, without working capital, you will not be able to complete your order or do not have the merchandise. Later, you can-can in fact can’t be buyer because the goods are not there. That is the importance of working capital.

3. Operational Capital
Capital is the last operational capital. Operational capital is capital that you need to spend to pay the monthly cost of operating your business. For example employee salary payments, monthly phone credit, electricity, water, and even retribution.

Post-operational capital in the post this on every business in general is almost the same. This is because, in principle, is the operational capital is money that you need to spend to pay for the cost of items outside of your business directly. So, Capital Operations are usually paid on a monthly basis.

Easy, huh? Now, you can calculate your own, eh, the capital that you need to remove to start the business. Hopefully it’s useful for you.

Keep Your Holiday When Economy Crisis Attack

2009-05-15T12:32:00.001+07:00

Happiness, school holidays have arrived. For children, after many months with various home works, tasks, and stack books, this is the time to play and refresh the brain, before the new school year begins. For parents, they are busy every day in the office will bring with them pay children holiday.

But, what about this year? The increase in food prices, fuel, prices and other impacts of a poor family. The problem is, whether the holiday has long designed and is to be canceled?

If wise, the holidays can still be done.For that there are some steps that we can of the.

First, make vacation needs as primary. With all the difficulties at this time, try to make the holidays as primary needs. That is, the holidays must be signed in household expenditure in the budget each year.

Generally designed carefully and not simply rely on the money for a holiday potluck. For, if not sufficient, a shortcut those families are reducing investment in the more urgent. Or even go lose debt as a way out.

After agreed to post for a special holiday, it's time to enter the second step, which is a priority for expenditure. Time we analyze the priority that must be prepared to establish the bank account is a holiday. Many people save money, but did not know how much savings target to be achieved.

To make the list of priorities before deciding to save for holiday purposes. Make sure the amount of each post so that the target has a picture that would be achieved. Here are some expenditure items based on order of priority.

* Cost of transportation
Post the first to be prepared is transportation. Indeed a part of large family would say that the cost of transportation has definitely prepared. But the next question, whether the preparation is going home include? Same as other expenses, without the elimination of early, believe that money is likely to be out certain very large. Separate transportation with other money, and leave the parties concerned are responsible with it. For example if the mother holds all funds holiday, let the father or the eldest hold the money so that transportation is not easy to use.

* Cost of accommodation and meals (consumption)
Have plans ranging from the most delicious and most do not feel. In the cost, which is not good when spending a larger than planned. So if your plans have not succeeded to get the accommodation that is planned so that more funds were forced to remove the accommodation for the more expensive. Indeed that takes into account a combination of eating places to be visited. Remember that eating is the most flexible. Depends on how we want to enjoy them.
If possible do not have one "booking" accommodation far since days. In addition to cheaper, we are forced to decide wisely how long we will be on holiday.

* Cost of unexpected
Eh, this is not cost free means that you can use one wish. Cost prepared when unexpected things happen that are not desired during the holidays such as accidents, ill family members, and so forth. Funds are also useful as initial funding for life after our return to the city of origin. For often when the family returned from vacation, the atmosphere has not changed, so still need to eat outside, and so forth. So keep in mind, if these funds are not used, must remain intact until the return to the home. Not additional spending holidays or unexpected expenses. Fee can also be prepared using the insurance protection so does not be reluctant to take.

* Cost of shopping
after the main cost is prepared; do not forget to prepare the cost of shopping. This is a fund that will use you and your family to spend including fees that are required for entry to the location of the tour. Add 15% of the funds to prepare for the cost.Because always happen when we are spending our children or want of food and beverages. Should not mix money for food and shopping with this money to eat a post set up in line?

* Fee By-by
do not forget to also post this one cost. This is the end you should prepare. Holiday without by-by seem trite. Make this the end of the holiday. Do not attract to release it in early. Usually we like to buy of various handicraft or special food for friends or relatives nearby. Of course the fruit of this is not mandatory. So if there are other costs on top is not enough, the cost of this by-by you should barbershop.

Reduce Cost Marriage

2009-05-14T18:02:00.000+07:00

Marriage is a moment that will live as long as someone still alive. How not, marriage brings together two people into one family. Marriage also connects between the two families at a big brother.

But it does not mean all financial resources of the spent only for a wedding only. Because many of the others after that priority should be. Like to buy their own homes and vehicles, and fund children's education course later. That need to be feared by someone who is not ready to marry cost for the event, but after that the cost of living to be independent.

To be able to get a beautiful wedding moments, not to be done with ease. The trick is to anticipate some of the factors greatly determine the size of the fee is required.

At home or rent a building?

If it does not want to be bothered, it would be better if the wedding held in the building only. But of course there will be consequences in terms of cost. Namely the existence of expenditure items to pay for the rental building. So be it the price to rent a building can be a primary consideration in selecting the building that will be used. Do not leave your wedding budget take to rent out the building, because there are many other expenses that are not less magnitude.

But do not felt with the ad cost to rent a cheap building, first check what facilities are included in the price. What is included and the other seats. And if there is additional licensing, electricity and so forth. And remember, the cost will be issued not only to rent a building only but also to supporting facilities such as catering, decor, documentation and so forth. You would not want to be asked to use the catering or decorations from the partnership building. Of course the price will be more expensive compared to prices outside, so the manager can install building standard price is relatively cheap to rent but the building determine the price that is quite expensive for the catering. So to compare which one is cheaper; count the cost of rental, catering, decorations and other additional costs as well.

In addition, also look at building's capacity of course you do not want your guests milling because gedungnya too small. Select the building that could accommodate the invitation of the planned, but do not also select the building that is too large. In addition to cost more expensive, the program seemed to be quiet because the room looks empty. Not only the size the room to be seen, also look capacity where possible parked area not to the surrounding environment. Survey and immediately see how much about seating capacity, people standing.

With a limited budget, will be more economical to the wedding events in the house alone. Indeed, it you will be more difficult, but can also be sizable large. Instead of determining the place could be at home or in the building is the first factor that determines the large or not cost is required. Especially if you have a large family can be happy to help, why not ask for help only to them. I believe they will not object to. Even their happiness will be also able to participate in your wedding.

Number of Invitation

In addition to the building, the two factors most important to determine the size of the cost is the number of wedding guests was invited. Not only the cost of printing invitations is calculated, the number of invited guests who will also affect the capacity building should be rented, the number of meals ordered etc. It may not hold a small party while you only invite so many people. And also become redundant when the big event only to a few people was invited.

Wedding program not only the pair, but also events for the second family. Do not forget to calculate the amount to be invited by the groom, bride, both families.Make sure you have a prior estimate of the number of invitations to print invitations and book building. It's better if the name list has been prepared.

Wedding Organizer

Sometimes to set up its own technical weddings will spend more time and attention. In fact, many other things that needs to be prepared the day H. And of course will be making more if the committee has never been a wedding before.

If you want practical, you can use the service wedding organizer. Not only events in the building only, wedding organizer can also help you prepare for the weddings held in the house.

Indeed, there will be additional terms of the cost, but if the work they can do much to help you, why it's not out more money for something that is valuable. And not possible if the total cost must be paid for it can be savings. Because they are more experienced, so they may already have a subscription that can provide discounts or have a concept of decorating a good but not expensive.

More practical system with the package

Some of you may be planning a wedding with a budget limitation. That is, you do not want a headache, dizziness calculate the cost per item must be removed, such as invitations, decorations, buildings, catering, and so forth.

Same as when ordering food at fast food restaurants, choose the menu of a headache; just select the package that already exists. Which provides the package system is usually in addition to wedding organizer and the hotel also manages the building. The price also varies, from 5 million to the simple to the hundreds of millions of rupee also there.

You can select the packages that have been fixed price. Or can also package per person. For packages that have fixed price, you can choose according to budget limitations, but of course must be willing to restrict the invitations in accordance with the packet. While for the package per person, you can better determine how flexible the guests will be invited. While for the package per person, you can better determine how flexible the guests will be invited.

Tips Reduce Cost of Marriage:

1. Destination weddings in the building is to get a room big enough to accommodate all the guests and does not prepare them occupied. There is no need of building a highly strategic location so that guests easily reach them, because the guests are already intend to come wherever located. To save the cost of the building, its location may not need at edge of the main road, which is searchable and easy access to good roads. No building is also seen as luxury will be decorated later also. It is important to accommodate all guests who attend. Even if can, select the building that is not commercial, in the sense not rented specifically for a particular event. You may never attend a wedding in the mosque, the building of sports, or may be in the hall of her home environment. I think not apply commercial rates to the event. Even if have to pay the rent, you are not required to choose the decorations and catering manager of the partnership more expensive fare.
2. In the home can more beautiful wedding event that either should not be in a luxury, their own home can become a place beautiful event. Remember, the first factor that affects large or small the cost is the place. Wedding at home can save a lot of expenditure items such as rent for the place and catering. Even in the home can more beautiful, live how we organize it. If a page area, you can install a closed tent that can accommodate many guests. Indeed be more expensive than regular tents that are open, of course, but still cheaper than renting the building.
3. Wisely choose invitation second factor that determines the large or small wedding cost is the number of invitations. If you are limited by quota and the number of invitations, choose well who will be invited. Start from the nearest, then the remote. Can be close in meaning and close relationship in the sense of place. If you hold the akad nikah and reception are separated, this can be tactic many invited guests. Invite relatives, neighbors and friends in the surrounding environment for the akad nikah ceremony was held in the house. Meanwhile, the rest who do not live close to the house can be invited to attend the wedding party in the building.
4. Varity serves food No need to book many more-food, which is varied. Rather than put too much food in the main buffet table. Will better place to make a lot of food small separate dishes with different. In addition to the queue, the invitation will not feel the food runs out because many variation dishes.
5. Although discount can still choose your package price, no hesitate to ask for discounts. Or when ordering catering, although the price is clearly listed in the brochure, does not mean can not discount. Negotiations with the manager only to be the catering discount. And note with some good credibility of the manager, because you can not exactly determine whether the portion of the food in accordance with the order.

How Many Your Credit Card

2009-05-13T18:09:00.000+07:00

Open your wallet, note carefully, how many credit cards you have? I had a little peek credit card owned by a mother at the checkout one hypermarket in Jakarta, I was upset, the mothers have at least 6 units credit card debit card outside.

How do I know? It may answer your questions. Easy, try to see. Credit card companies from the same publisher, often have the same style, and generally come from the same company network that is also a Master and Visa. Tell the mother that I have now been on 3 pairs of cards of the same type; means he has at least 3 pairs of output card visa and master. Easy huh?

Own Credit Card

Must be recognized that at this time have a credit card is not something extraordinary. You try to run one of the shopping center, and then you will find a lot of credit card ownership bid. The terms more easily and more people may also have them all. Basically have a credit card it is important. Moreover, the possibility not all transactions conducted in cash. For we all also know, how safe is not at this time when a large amount of money. Not with the number of crimes the "smart" as counterfeiting money. Besides safety, the transaction is digital and not directly with the physical money are also more sparingly. Why? How to deal with the digital before we can make to pay bills in accordance with that listed in the cashier's table. For at this time do not wonder if the price of goods after a transaction to be "bizarre". For example you buy perfume at US$ 150 and after the discount, and additional tax and the other to be at US$ 127. Imagine how difficult it is worth the money to set up above.

Whatever the form of a credit card, the function is basically the same, namely to provide a facility to use our rights and obligations and then run. And it again, that obligation can be paid in gradually. But, of course, subject to compensation in form of flowers.

So if we know its function, then we should be able to use the smart card is the use if you already have the money; means before using make sure you have the money to pay for them. Example only when you have a deposit ready to be melted when the bill comes. Both uses when you believe you can pay. For example, your salary should be enough to pay for them, payment or project specific work with some of the funds used for payment cards and so forth. So if you have friction card, make sure the card payments as a priority. Do not just 10%, that can be settled or at least 30% of it.

Purposes and how large

we have discussed what should we do with our card. And we also know that was basically a credit card that provides the same facility that is not additional money. If so use the money to have it or believe that there will be money to pay for them at least 30%.

So therefore, we know that the usage is pay obligations to us. So my suggestion to use it. Pay that is all we need. So if you need payment with just one card NDA issue. This means using only 1 card for shopping, paying bills, insurance, reserve fund, and so forth. But if you feel that you need more than just 1 card for transactions such as your credit card for shopping A, B, to the credit card bill-payment charges, credit card C to the payment of insurance, and credit card for back-up D and so on, then you can also do. But just remind me, the more cards you will be the greater burden of administrative costs should be, and of course will also create a greater temptation to use them.

So how much do we should have a credit card?

Once again there is no definitive figure. But if I can give advice, have a maximum of 3 cards is: One card is used as facilities for shopping and consumption needs (for example, to a monthly expenditure, the purchase of consumer goods etc).

One card is used for routine bill obligations of the cost and investment / protection (for example, to pay electricity, PAM, internet, phone etc.).

One card is used for the facility means the reserve fund as a means of payment before your funds can be disbursed from the deposit.

So just 3, not more.

Five Star Payments; Solutions to Your Business

2009-05-12T15:39:00.000+07:00

Are you a business owner? Or your business are having difficulties receiving payment through credit card? Your credit card fees is too high? Now you do not need more confusion, because now you can sign up at Five Star Payments. Five Star Payments are an alternative payment processor to receive payment of your products. With Five Star Payments, you don't need to fuss over again to receive payments from around the world. All handled by professional staff.

Five Star Payments receive all types of credit cards, from Visa, Mastercard, Discover, Amex and others. You also will be treated directly by a staff ready to assist you 24 hours. Qualified and experienced staff also help you what is needed by your company. So you will not waste your time.

Five Star Payments receive any type of your company. True, whatever your company. Low risk or high risk company, all accepted by them. Unlike other payment processor that is still difficult to receive a request from your company. Other advantages, the fee charged to you than other payment proccessor. So you can save your money and get large benefit. What are you waiting for, joined the Five Star Payments now.

Utilizing Money Loan

2009-05-11T08:54:00.000+07:00

In this day, I got an email from Miami. Now let's we read what she ask.

Hello U-A, my name is Eva, a private elementary school teacher in Miami. I need advice that I face now.
We plan to purchase a home, and to apply for credit cooperatives is US$ 45,000.

But, apparently because of the decisions in a hurry, we have to cancel the purchase, because there are factors that prevent us buying the house. We returned back as much as US$ 40,000.

The problem money can not be returned to the cooperative before one year. And for that we have to pay 1% interest each month. We suggest that the money like?

And what do you know about syariah? Is it good to deposit to syariah? We also need information on insurance education for our new daughter 1.5 years old. Thank you very much before.

Eva, Miami

Answer:

Eva, I'm happy to receive e-mail from you. If the loan is disbursed, there is sometimes a consequence of which these funds can not be directly paid before a certain time. How does not want to, you should find an alternative to using the money so that inflation does not eat, and less by interest on loans.

If your choice is syariah deposits, almost all syariah banks currently offers for the results is quite good. But unfortunately, not for the result 1% per month. That is, if you just sit only in deposits, the deposit for the results that you receive still less by interest on loans that are applied by cooperatives.

Other options at this point are invest stocks or mutual funds on the stock exchange. At this time share exchanges are very poor performance because of the effects of global financial crisis shock. Stock prices at the moment and are likely to fall below a reasonable price. So actually a good time to buy stock now, with the expectation that within 1 year the stock will rise again. But I should note that investment is very risky, so I suggest consulting with investment advisors before making this step.

Or, if you discount the salary for the loan installments this is not a problem for you too. Meaning, your cash flow is not disturbed by the existence of the loan discount, I think no one have money if you take advantage of it for something productive and more risky. So, just continue as normal loan agreement and does not need to return the funds.

Loans you can use to buy stocks or stock mutual funds as of the above suggestions, or used as business capital. So even if within one year that the value of your investment or business not to provide benefits which means you can still continue to pay the loan repayments from wages only. And, you can enjoy the results of investment or business within a little longer.

While for the education of your child, since it should be prepared early. However, insurance education is not the only way I Bu, there are many alternatives.

It is important; you have prepared a special fund for the education of children. For now, I recommend more than the unit link insurance education, as the unit value link is currently low as a share exchange is expected to rise so high in the next few years. Before taking the unit link insurance or education, do not forget to calculate in advance how much the need to fund your children's education. So when the time comes, the funds have been prepared in accordance with their needs.

So from me, do not hesitate to contact us again to discuss further.

Extra Saving for Woman

2009-05-10T23:38:00.001+07:00

Who says women do not need saving? Now women are not pitching his life to the men. Indeed has become the duty of men to provide support to women, it is a condition that we ideally like. If women have not married, the parents who are responsible for her.If he is married, the husband who took over the duties. And if it is in conditions where there is no immediate family who can bear her, then the state that should be responsible for it.

But unfortunately, ideal conditions are likely still in the framework of the theory, not yet fully practice. Efforts to realize the things we strived to be as much as possible, but the fact also can not be denied that there are still many women who are forced to bear alone the burden of his life. Not even a few of them bear the burden family.

If we see such as the fact that, where women must bear the burden of his life alone, she would need more savings for men. There are more age women, health care costs higher, and salaries are lower.

Statistics show that the average age of women is longer than men. If it be, man's oldest record also held by more femininity. This means that more women have a period of a longer retirement than men. If a man and woman together in the retirement age and the same with the standard cost of living the same, then the earlier women need more retirement funds than men.

In addition to a longer age, the statistics also demonstrate that women have condition more vulnerable to illness. This was the value of differences in health insurance premiums between a woman and for men. Try to compare your health insurance premium table, the premium for women than the more expensive insurance premiums for men. This became one of the evidence that indicates that the cost of health women greater than men.

Another One reason is because women usually get a smaller salary than men for the same position. This is already commonplace in any country. Man salaries are relatively high compared with the salaries of women. This is certainly reasonable because only men get the benefit of families in which the salary is take home for the entire family. While women do not get where her salary family allowance is additional to the family and family support is not considered the others.

From these three things, at least, we can value that women need that extra saving than men.

Behind all the more reason why women need to save, it is also offset by the fact that women have more reason to be more easily and more often in the lay.

First, women usually can be more organized and careful in financial problems if compared with men. Indeed, this assumption is only general and not necessarily applies to every woman. But the evidence we can easily see on the job in the newspaper. If that opportunity to the financial position or accountant, most of the job over to prioritize women's, or even only accept women only.

Because women are considered more organized and careful in managing the finances, she can also be considered to be easier to save in. Most people fail to save because usually not be able to manage financially on a regular basis. There is no planning and careful in not shopping. Isn’t planning a long-term, create a monthly budget may not be alone.

In addition, the salary taken home by a woman will usually be no more than intact males. Not only because of clever but because it is managed only for the additional family.Usually this is felt, if he is still single or have not waffle. Although already married, sometimes still occur as well. This is usually we know the "money husband wife money, money is the wife of his wife." If it would have been so much easier for the wife to be able to save with than her husband.

Moreover, the case is heritage. Even though women get only half as compared with men, but the inheritance is only half the portion for himself only. There is no obligation for them to give to the husband or to her children. Different case with men, even though times can be 2-fold from the women, but has order to support his wife and children. Of course, the larger portion for themselves than two portions for the busy.

Buy Your Dream

2009-05-09T21:40:00.000+07:00

Do you see someone who appears normal work-usual course, but have what he wants? While you have the dream house is still in pretty illusion. Or cars that you want to buy still out of reach.

Instead, what you see someone who huge incomes but the salary always exhausted. He may be a manager at a large company or a director of the company, but his life just so-so, if it does not want to say so.

Things like that can happen. Yes, I understand that probably most of you think that high income you have now will ensure your prosperity. But no one know how many people who have high earnings are still not able to save and improve lives can not. Instead, many are also ordinary people who are career and have limited income, but can meet the needs of his life. You know what distinguishes them? Just one. Do your financial planning.

Mother's father, in financial planning, especially in relation to the family finances, plainly there are only two important things you should know. What is? First is how to make money and the second, How to manage earnings.

1. How Do I Keep Up My Income
Sometimes I hate to see many people who ask me, "How to manage your salary enough to pay me to have three children with debt repayments and this is? Because I seem too extravagant ..." After I see, the problem turns out he was not located in the expenditure is too large, but because income is too small. He does not feel it necessary to seek other sources of revenue, and even only sit against the revenue gained.

Mother's father, the first thing you should know about financial planning to learn how to earn money. So you need not continue to blame the size of the expenditure as a cause of your financial problems you. This is often because the cause of the emergence of financial problems is not on the amount of your expenses, but in your earnings is too small.

I am sure, some among you who may have also said that the revenue obtained is not important. More important is how to manage earnings. Is correct, but if you earn too little income I do not blame anyone. Maybe it's time you started already find another source of income. Maybe by opening your own business, or sell the sewing skills you have. It is important; maintain your knowledge about how to obtain revenue. Thus, you do not continue to blame you a big expenses, even though you do not actually spend a large-very large.

2. How to Manage Your Income

After earning, the second thing you should do is to learn how to manage earnings. This is important because I often see many people who have a large income, but incomes did not feel like just because it always runs out. It is very important for you to know how to manage the revenue that you get. Do not until you get the money - the big or small - just so exhausted to pay for expenses that are not necessary.

Then, what you can do in learning how to manage the revenue that you get? Clearly, you will need to make priorities of expenditure that you consider most important to the expenditure that is not too important. Do not forget to go before the needs of the desire, and also warning items of expenditure which has the potential to be great, if not guarded well. Hopefully in ways like that, you can be more successful in managing your finances. And you can realize your dreams.

Insurance is Important

2009-05-09T03:22:00.003+07:00

Today I have a question from Andy in Spring Lake, NJ. I hope my answer is fit to you.

Dear U-A

Some time ago I met an insurance agent to apply for an insurance. But in the explanation tell that everyone who is working should have life insurance. Now I work in a private company in Jakarta. I have him with one child under five. My wife does not work (housewife). I want to ask whether every person who works must have life insurance (especially) or not all? Thank you.

Andy – Spring Lake

Answer:

Indeed the correct part of insurance that the function of insurance is to protect someone earnings. This means every person who already has revenue should also have life insurance.

But in my opinion, that should be protected is a living for his live, not his incomes. If we only a person who celibate but still have to work with. Because of the stag and does not bear the burden of other people, then the revenue is only for himself. If there is such as dies, then no party subject to financial conditions.

Other well as if he has insurance, whether it's him or bear living parents. So he should have life insurance because if he dies then abandoned the family or parents will lose their source of money during him.

Remember, the function of insurance is as protection of financial risk on the possibility of natural occurrence that is not planned. So, that should be seen if someone need insurance or not is to see the financial risk of what will happen when the case of natural. If the parties are subject to the financial condition, it should insure soul. But if he does not have insurance, then have a life insurance is not the priority.

This logic can also be used in determining the amount of insurance money that should be taken. Namely how to calculate this for the living enjoyed by him.Preminya payment if possible, set the insurance money is big enough to bring the needs of abandoned forever. If the fee is too large, take the insurance money can make at least needs to be able to get a substitute for living. For example, living for several months until his wife could have a job. Or until children reach adults age and can find them living.

Facing Price Increase

2009-05-08T03:09:00.000+07:00

Prices raise. That all people already know. Fuel rate increase, tariff phone - he said - will also rise. Basic Electricity tariffs will also go up. Price goods - be - will also rise. Each time the rate of fuel, telephone and electricity increase, the price of goods needs households are more likely to increase as well. Goods needs of households that can be goods household care, self care, and food materials.

For many families in Indonesia, the price increase is now going to make many families bear a very heavy burden. This is because the price increase is not always followed by the increase in revenue. If you have a family income of US$ 1,500 a month and can spend US$ 1,000 a month to pay for the cost of living, then with the price increase only 10%, the cost of living increases to US$ 1,100 a month. This means that, if the family was leaving the difference to US$ 500 (US$ 1,500 minus US$ 1,000), then going after the price increase, the amount of money that can be the difference down to saving is US$ 400 (US$ 1,500 minus US$ 1,100).

Now you can be what will happen if prices continue to rise without accompanied with the increase in revenue. Writing this time I will discuss about how to anticipate the increase in the price-increase.

Increase THE INCOME

Face only, price increase is inevitable, sooner or later. In the long term, how to overcome just one: the inclusion in the family. In the example above you already see that if the price increase and continue to occur in the family income does not increase, the difference in time your income and expenditure will become increasingly small. And not impossible, you finally have a deficit!

Try to imagine if the income in the family - for example - is US$ 1,500 per month, while from year to year, your cost of living continues to rise: First of US$ 1,000 and US$ 1,100 per month, and US$ 1,300 and US$ 1,500 per month, and US$ 2,000 and so on.

From which you will take the lack of difference? From your savings, right? How to when you will take these savings? Old-time savings will be exhausted if you continue to take. So in the long term, why do not you try to increase income in your family?

Yes, yes, you might be thinking: "Ah ... easy. The company where my husband is always work every year. So surely next year we in the family income will increase."

Or if you are looking for work and sustenance for the family, you will think: "Ah ... my company is always raising my salary each year. So what a fuss of the increase in revenue? My salary will be increase...

I do not overtly encourage you to continue to hope that your company or your husband's company will continue to raise the salary for this they provide. There are many large companies that did not even raise the salaries of their employees for several years. And that, probably not, can occur in your company.

I do not make you fear and invite you to think negative and pessimistic about the company where you or your husband's work. I only invite you to continue to try, but also want to anticipate the situation the worst though. So, if at this point you or your husband works on other people, why you do not have to open their own business or work with relies on your expertise? Thus, income in the family can be added.

Alternatively, you can also invest the money savings you have at this time to a variety of alternative investment products on the market. It is time to put your attention on the large amount of money that you have with how to invest wisely and try to benefit from it, and not simply because invest that money is nothing. Thus, the expected long-term investment you can give results that do not lose what you already get from your job every day.

Manage FAMILY EXPENDITURES

As an alternative to the short term; you can set the expenses in your family. There is no one set of expenditure according to priorities. This means you can segment expenses according to your family needs. Then, buy the goods that are needed first, wherever possible and delay the purchase of goods that are luxurious.

Below are some tips that may be useful in managing the family spending the price of goods increase, as happened this time:

1. Try to buy goods in wholesale for the price.

One of the places that sell goods in wholesale is the market center. Do not forget that the goods sold in market are generally sold at a cheaper price than if you buy it in retail stores. In addition market center, then the other places you can go is a shop that can bargain the price. When you purchase household needs at the store or place that can bargain, try to buy at grocery to get a cheaper price.

2. Make the price as one of the main factors in choosing where to shop, what more goods shopping needs of households every day.

This is because the goods of domestic requirement are the need to be purchased regularly and repeatedly. So when you buy them in a costly, the price difference will be felt, than when you buy in places cheaper. One can not double anything.

3. Buy goods that are needed first.

Distinguish between wants and needs. Try to buy goods that are needed first by your family. Then after that - if needed - to buy goods that are desired. This is because - regardless of whether purchased in advance or behind, yet you still must still buy goods that are required. So, why not prioritize your money to goods that are needed? If you precede the desired purchase, and when the turn came to purchase goods that are needed, you feared the money has been exhausted.

4. Do not buy goods just because the ad.

Try to buy goods not only because it talked into the ad, but because you are looking for items and the need. Ad created for you to buy, not to simply give you the information.

Afraid the Life Insurance?

2009-05-07T00:37:00.001+07:00

Some time ago, we had shocked with the bankrupt a life insurance company Manulife Financial by the court. Manulife Financial is one of the largest insurance joint venture. That is, the company that made the modal joins between local and foreign. Manulife Financial is a company that came from Canada that has a fairly good reputation in Australia and overseas.

Can not be denied, the case of Manulife Financial's impact with the Life Insurance policies. Even some members of the public who have to be anti-life insurance, because they think that life insurance companies of Manulife Financial can bankrupt, how about the other companies?

Now the question, whether you also have to be anti against Life Insurance? The answer is no. Correct, the incident should make us be more careful in selecting companies Life Insurance.

I do not say that the insurance company that just bankrupt yesterday not selected as the insurance companies. But in my opinion, the case itself has not been completed, and the actual company Manulife Financial is not eligible for the bankrupt. There are many factors that play a role in bankrupt, because the actual company Manulife according to my own - is a company that is still feasible chosen by those who want to insure themselves.

I have a story that might be interesting to make you think twice. There is one family that I often see the public bus accidents, and even he had experienced the events themselves a bus accident. I was with the attitude to not stop for the traveling public with the bus, but now he is more careful in choosing public bus.

Before the accident befall him, he only saw the public bus from the outside only, or from people just waffle. But now that he is the first public bus company's reputation, and he even memorize the names of all bus companies that often have accidents.

This second view is that he drives. If the driver still young, he prefers not to ride the bus. He estimates the young driver is usually mischievous. Meanwhile, if a driver is aged, he felt more secure because it is usually those who have aged will more careful.

Of course, choose Life Insurance Company can not be equated with the selected bus. But my attitude earlier relatives who want to learn from the mistakes imitated.

Therefore, it is actually selected in the Life Insurance Company, one of which is the rate reputation. Reputation we can be the value of three things, namely:
Reputation Service

How to assess the reputation of service, one way is to approach your own insurance company's office. Score the services provided when you come to the company. With these companies to own then you can know the quality of services, such as what you'll find when you must come alone soon, for example, in managing your insurance money.

Reputation Finance

Reputation Finance rate is the rate financial report that the company can ask you or you sees in the print media and in electronic media. Score the how big the company is the strength of capital compared with the other company. Also how good the value of cash flow from the company. In the world of insurance, the technical term or RBC Risk Based Capital. This is a way to assess your health insurance company.

Choose a company that has a RBC Insurance 120 percent or more. If you are confused what it is however, just ask any insurance company's RBC is your insurance agent to you. If more than 120 percent, that means good. Less than that, better find another.

Reputation Owners and Management

Note also what the majority owner and the manager who's your Insurance Company. See if they have a deplorable reputation in the community. Indeed, sometimes it may look a bit subjective, but does not have one if you know who the owners and managers who your insurance company. If they have a deplorable reputation, avoid.

Other tips, if you select a company joint venture Life Insurance, you can see how the reputation of foreign companies in various other countries. Your insurance agent usually has a collection of news about how the reputation of foreign companies in a number of other countries.

And if you choose a local Life Insurance company (not the joint venture), then choose the company that has a reputation of "resistant rock," a company that is quite old and have been through various crises. If the company's Life Insurance is a part of a large business group (conglomerate), then also try to see how the performance of large business groups. This is because sometimes, the loss one of the companies in the large business group can influence the mutual benefits and losses from other companies that are in the business group.
Of course, these tips can not be over a simple guarantee that you will choose Life Insurance Company the right, but at least it can help you reduce the risk of not paid your claim by the insurance company. The most important thing, then you should not be afraid to participate in insurance.

Overview MANULIFE

Manulife I as far as one is an insurance company that is quite good. RBC is above 120 percent. If you came to office in Jakarta, they have room service a customer well enough. Products vary, and Manulife own reputation in other countries is also quite good. Therefore, if there is a problem bankrupt like yesterday, showing the suspicion of other factors that get involved.

Please note, the case itself is not complete, because there is still appeal to the Supreme Court. However, if the Supreme Court later decided bankrupt Manulife remains, then do not be afraid your claim is not paid in Manulife. The psychological, Manulife Canada certainly does not want to own the name bad. Right? They will pay your claim. If they do not pay, it certainly will be highlighted and their insurance business in other countries will surely also affected.

However, when the Supreme Court revoked the decision bankrupt Manulife and they are allowed to operate again, and then my advice is doing not be afraid to insurance with Manulife. Why not? Their service is quite good; however it’s a good, reputable company in the country..

Are My Investment Options Right?

2009-05-06T19:33:00.001+07:00

How you invest each month?
Where do you invest each month?
Why should invest in that place?
Have you ever said something like this to yourself?
Or questions like this:
"How many percent do I have to invest for retirement?"
"Which is better, life insurance or education savings education?"
"What benefit to invest in the Bank?"
Standard questions about the investment that is almost always met me at a seminar or do one of the talk shows in the media.
I do not blame the questions above. For the things you should ask before investing. Now it is for any posts made this, hopefully I can answer most questions you have about your investment.

What is investment?

According to you what is the investment?

If you walk all the time to shop and go to a bookstore, you will get a lot of explanation about what is the investment. All the theory of representation and provide a different explanation of the investment. But if I may ask a few opinions, I think investment is the "action for the purpose of improving or adding value or wealth that we possess"

How? Perhaps in my opinion this is not right, but I think this is the definition of investment. My words underline the action because the investment is an "action" is not a chimera. So if you plan to buy gold, then you have not invested. Or if you're just telling stories that will buy mutual funds, the investment that has not been said. But if you buy gold in order to expect the value of adding some future time even though it only 1gram, it is investment.
I also said action Underline the action will cause a result, whether negative or positive. For that we can be positive as a result of an action, while the negative can be used as the risk that we must also be ready to receive. So sum to invest, we must act for the act without significant results will not be obtained. Although the action that we must be ready with the possible results and of course the risk.

Investment Conduct

I am sure some of you are already investing. That there may be invested in deposits, or may add some more his wealth through property, some more happy with the gold. Whatever type of investment and how do you do, I say congratulations. This is far better than you do not invest at all. But if I may ask again as the title above, the investment options already right to you?
Before doing the investment, do the 3 steps below:

1. Define the purpose of financial
What is the difference in savings with the investment share? What's the difference between investing with the purchase of land by buying gold?

When you make the investment without a goal, you will be difficult. One client said that he is saving money in a savings account that is not exhausted. Some clients I also reasoned that he purchased the land of no investment. And there is also my client told him to buy gold so that the money does not go down in value compared to inflation. In general, do right. But it is an investment must have a purpose. Why is that? Because the purpose of each investment will result in the selection of different investment instruments, investment returns that are expected of different risks and have a ready received also different. For the purpose of short-term, get focus to liquidity risk and short-term means to search for products that the risk is low and high liquidity. Why? Because you need money .So do not reach the required time value of money you get off. In the long term, so choose products that liquidity and low risk but with the lopsided result of the high. Because you need the funds are still a bit old so the risk can be more easily guarded.

2. Identify the investment product
Related to the goals above, you should invest in the product of your choice. An investment product has advantages and disadvantages compared with other products. Products have long-term results in an excess of short-term while the products have the advantages in a low risk. Customize it with a goal that you want to achieve.

3. Customize your profile with the risk
What type of risk you’re personal? Whether happy or not at risk? You are happy to risk, may not be a problem choosing the product at risk. But for you that are not happy at risk, find the products that are not also at risk. Maybe some people happy to invest in stocks for long-term investments due to unbalanced results provide a full high profit.But some do not. They prefer to invest long term in the product property such as land or buildings as it was more definitive. In addition to private, there are more considerations, such as for example, age and status. Your age is high enough, should not invest in high-risk product. Similarly, vice versa. Why is this important? Usually because the investment returns are high for the product long-term goals. So if you have a high age, why invest for the long term?

Discount Offer; Go or Not?

2009-05-05T12:58:00.000+07:00

What makes people interested to come to a discount? In fact, there is solitary pleasure when people come to the location of the discount. Before economy crisis, many people who deliberately go to another country only to come to the location of the discount. Our neighboring countries, Singapore, for example, often make The Great Singapore Sale. Similarly, many people who live in Bandung or Surabaya, which is specific only to come to Jakarta because the sale is heard. Then, why do people want to buy goods in the event a discount? Simple, to get the goods with a value, but with a cheaper price than value.

Sellers often hold events with a variety of discount theme: Wash Warehouse, Discount Start Year, End Year Discount, Discount Independence Day, Ramadan Discounts, Lebaran Discount, and Christmas Discounts. Outside the country with four seasons, a theme often used is the summer sale, sale winter, autumn sale, and the spring sale. Also often used the theme Closing Down Sale, Mid Year Sale, Christmas Sale, and others.

Event discount (sale) is one of the campaign strategy used by traders. An event can usually discount sales up very quickly.

Below are tips for those who want to buy goods using the discount program.

Do not come to the location where the event open a discount when not in mood. People come to events when the discounts are often not hungry mood and purchase of goods which actually is not needed, because only the price factor, not because of the need.

Provide a special time when the event comes to discount. Do not be a push by the time the rash. If you hurry, you usually will not be careful in overseeing the quality of goods purchased. Often happens, many people go home and realize that the new goods that just bought is not suitable, such as clothes that are too small in size, or quality of the clothes are bad.

Before buying the goods in the discount program, ask yourself whether you really need an item? Do not buy goods you do not need, just because the cheaper price. Discount is the discount, but the trade transaction should occur because of the demand of goods by you as a buyer, not because the price is cheap.

For one type of goods, that can be used to compare the price with other places that sell the same goods. Compare, and buy the cheapest. That is important to provide a special time when the event comes to a discount. Do not buy goods at the sale location when you actually do not know how normal price, both in the store or shop in the other.

If you can, make a relationship with the shop owners. Indicate that you are a loyal customer in the store. If you do not have to buy goods there, show that you always come to the store. The fact, if you must leave the place to do comparison, you can hold goods that you want to buy it so that people not be taken. Another advantage, when there is no discount event, you can request a special discount to the store owners, and usually he would be reluctant to reject you because you are a loyal customer.

Examine the quality of goods. Make a difference between value and price. Value of goods is how much the quality of the goods you receive. While, the price is how much you pay. Compare the price you pay for the value you get. If the price you pay equal or less than the value of the goods you receive, then buy the goods. Do not buy goods if the value was less than the amount of the price you pay. Once again, the precise quality of the goods, and make sure the values you will enjoy from the purchase of these goods

How to Beat Your Debt

2009-05-04T04:23:00.001+07:00

Beat your debt! Do not continue to deplete savings of the future. Debt is the enemy number one to seize the dream of many people and most people really do not freeze the debt. Now is a good time to beat them out.

Errors that occur when the debt is taking too much debt and is used for the purpose of the wrong as well. Because the debt is deplete savings, property guaranteed the thing take action and dig holes to close the hole from one credit card to another credit card is only used to meet daily needs.

People may think, just because the bank or the credit card company would provide loans, they necessarily can pay back the loan. People become too focused on the size of the monthly repayments or interest only loan debt than aware that the disease such as cancer which can undermine their financial health conditions. People pay the debt interest rate from time to time, which of course will only enrich the banks and the credit card company, rather unwittingly making us poorer. Already, we still wonder why it always runs out of money.

Do you begin to feel uncomfortable with the fact that?

Uncomfortable feeling that may even save you from debt for life. Money can not buy happiness, but with the money you can make your life easier. But to get money is not free, you must work for it. Unfortunately you can not work forever, even though your life may long after you can not work.

To confront this natural process, we have been given age for many years, but not many people realizing. Once they get the jobs and income, they have the right credit card. From the preface of savings and investment, they buy goods that age could be even shorter than the installment payment.

If you're ready to wipe out credit card debt, then this is the plan:

Know your debt

Knowing the amount of debt repayments each month is not enough, but more than that you also need to know everything that is related to the debt. Make a list to whom you owe the amount of the balance or the remaining debt at this time, the tribes own interest, and installment payment per month.

Learn also about conditions of your loan, such as whether you can get a discount if you pay your debt now or even the penalty imposed because of acquaintance debt before maturity.

Make a priority debt payments list

Make a list of debt payment priority. Charge the higher interest until the least, not the balance of most debts. Where the debt subject to interest most high ranks first priority of payment of debts.

Why?

Debt with higher interest rate is like you have an accident and injury bleeding in some parts of the body. Injuries that cause bleeding most certainly will be closed by a doctor first and then close the new injury that is smaller. Because the wound is not bleeding at most, it will soon be threatening the safety of your life because this injury will cause most blood loss. The same logic can we use the debt payment this priority. However, it does not mean we have only one priority debt payment only and ignore the other.

For example like this, if you have three credit card bills that have been swelling. Individual the minimum payment is US$ 3,000 so that the total repayment to the minimum payment of 3 credit cards is US$ 9,000 per month. To resolve this problem then you are willing to set aside US$ 10K per month for the payment of this credit card. Thus, there is excess US$ 1,000 from budget monthly debt repayments. With the priority debt payments give the budget surplus for the payment of this debt repayments that most tribes high. So that the debt with the highest interest rate is US$ 4,000 while other debt with interest rates lower each US$ 3,000

If the debt with the highest interest rate is paid, then continue with priority debt payments on debt with the next highest interest rate. Give the portion of the payment priority of the first installment debts that have been paid earlier to increase the payment the next priority debt repayments, and so on.

Stop using credit cards

By the way, although we have a strategy debt payments priority list, but this plan will not succeed if you just keep increasing the number of credit card debt. In other words, if you want to put some credit card bills that increase, then stop to increase the amount of debt. Stop the credit card, and you pay only shopping with cash or a debit card from you.

Leave your credit card at home if you do not want to use. Use the card only for emergency purposes. If you need to cut your credit card and save other one credit card with a credit limit for the most vigilant. Regardless of how you use that effort put in credit card debt, no matter howsoever strange. During can help you build habits can use a credit card is good, do it. You may be considered extreme or miserly old. Well, you are suffering from debt that they are not continuous. You are responsible to pay the debt; other people may have been too busy with their own debt problems.

Of course to do 3 steps eradicate this debt is not easy, but many people who already do so. The result, from day to day they are close to financial freedom than to go see it far. I am sure you also want the same thing.

Economy Crisis, Learning on Investing

2009-05-03T18:52:00.000+07:00

It seems that a new word in the years 1997-1998 and we expect to no longer say we should be back. Krismon, the most popular words spoken in the year at this time back there in the middle of the community. While many observers say that the economic situation is different with the time 10 years ago, but worries remain the same someone that is how wit my investment?

Some clients who have signed me start calling, some ask what to do to this situation? What about the investment that is running? What happens to the investment that down?

Panic?

The most frequently issued at this time is not panic. This magic word to be a very often spoken from the Customer until Serive bank with our President. Many reasons can make people panic, and of course many reasons that can be also issued to counter it. As a financial planner who also said this to remove some of my clients who are confused should go to any of the investment. But of course this statement is not without reason out.

Every client we have signed a purpose to invest in, and of course the selection of investment products portfolio is determined by their financial goals. If we have set up a portfolio with both, we should not need to panic with this situation. Reason I simply, at this time the current investment ideas with the investment risk is high and the results are high for example, stock mutual funds and stocks. In an investment portfolio, this product is usually a product for the purpose of long-term; it means we still need the investment in a long period of time, say 10 years. So if the need still far why should we panic with the situation now? Fear of loss? Yet you will not be loss if you do not make a loss at this time (stock or mutual funds sold in redeem). So if we have a portfolio of investment products that is right for high-risk long-term, at this time we should be happy because with the amount of investment that we have the same unit or the inclusion of a larger share. But what about the investment risk is low and middle-us? Nah this is a new problem. Since we will need investment of our products more quickly than long-term investment, then we need to panic with our investment. But the government seems to have been correctly anticipated. Medium-term investment products and tailored shorts with a lopsided result so that the investment does not fall down by the crisis. Tribal raised short-term deposit, bonds issued with an interest to compete so why panic?

Calm, rational and clear

President SBY in his speech one of the people must remain Calm, rational and clear. I try to analyze the three terms in the context of investment as part of financial planning

1. Calm

When we have invested in making the right investment products like stocks, mutual funds or whatever it only as a means and not as a goal, then we should remain calm. Like the vehicle, the vehicle at this time we may be in trouble because of the influence from the outside. Indeed, our journey to reach the goal become a little slow, but it does not mean I will not be achieved. If the goal is still far away, this obstacle can we use to evaluate in order to achieve the goal. For example, if first you can not buy blue chip stocks because the price is very high, then this is the time. Or first you can only dream to have one unit inclusion Reksadana nab superior because it is too high, so at this time it can be realized. So keep calm, take the impact of this crisis.

2. Rational

This may be confusing enough, what rational relationship with my investment? Here, we are eligible for was-was the development of our investment. Imagine the first time we have to invest a dollar spent due to the crisis that we live with half of investment. In order not to go down, then the investment is to be drawn. This is when we put one and select investment products. If you invest in products with high results and high risk for short-term goals, then would not need this you should do. But when you have the right to invest for the long-term investing in high-risk products and high results, then this is only a small fluctuation that will occur in the long journey our investment. Should not we pull our investments because we have not yet need it, if you have to do that they may have been wrong to take the product, or they are not investors, but traders who get hit the job right. So we must be rational, focus on that goal and do not want to reach the affected people have been wrong or trader.

3. Clear

For what we invest? How long is our goal? Do we really need to take the money at this time? Perhaps this question we must ask more before we act. Our objective for the pension, is still 10 years ahead, and I do not need the funds at this time, the crisis is more, this is not a problem because my investment in the product, so why should be? Fear of loss? Of course you will be really interesting when you loss. But the investment does not make you profit, you still on the road. Can not return to the original price? You remember back to invest in products that provide high lopsided result so it is not difficult to return the product to the initial position in 10 years. So my advice, get fresh before we take a decision. Do not just up to us to be playing the speculator who takes advantage of the knowledge us.

Top 5 Reasons Most Internet Business Fail

2009-05-02T23:58:00.001+07:00

Today I didn't get some idea to write, but I don't want my blog isn't up to date. So I take an article from Mark Yarobbino. Mark Yarrobino is the president of Maroon Enterprises. One of their websites, ProfitStreamFormula.com was created to help guide its members through the individual tasks of starting and completing a successful website without distraction. Thanks to him. Now let's read his article.

If you've been online for any amount of time, then I'm sure you've heard many of the success stories about internet entrepreneurs, and how they're making millions every year, and you've probably heard how easy it is for you to do it, too.

And the truth is, it actually is kind of easy, but not as easy as most salesmen would have you believe. There is a little bit of work involved, and anyone who's really been successful has put in the time and effort to get there. And they've managed to avoid the pitfalls on this list.

If you're trying to start your online business and things haven't gone as well as you've hoped so far, then hopefully, these suggestions will help. Here are the five most common reasons that most internet businesses fail that I've seen, in no particular order:

1. Information Overload

You've probably already been inundated with emails explaining how some new money makíng scheme is the hottest thing on the planet and you need to get in now so that you're on the cutting edge of internet marketing. The problem is that you haven't finished working on the previous hot new thing yet, and as soon as you start this one, yet another hot idea will hit, and so on, and so on.

In every valid email you get, there should be an "unsubscribe" link at the bottom. Start clicking on it, and just stick with a few of the people who you know are giving you good information about building your business from start to finish in the right order without any distractions. And make sure that you see every task through to completion before moving onto the next one. It's the only real way to get anything done.

2. The Curse of Perfection

Speaking of seeing tasks through to completion, also consider that not everything on your website and in your sales process has to be absolutely perfect before you can unleash it on the public. So many home busíness owners who are just starting out have a habit of obsessing over every little detail forever before they'll allow themselves to launch their site.

Stop it. It doesn't have to be perfect. That doesn't mean that you don't need to make sure your website is working properly first. It means that you can work on adjusting small details, such as the color scheme, the sales copy, the images, later on. In fact, if you're planning to do any proper testing (and you should be), then you should be constantly working on those items anyway.

So get your website out there, get some traffic, make sure the big things are working right, and then worry about adjusting the small details.

3. Waiting for the "Magic Bullet"

Let me just start by saying that there is no magic bullet when it comes to running your business, or doing any kind of work online.

I know that a lot of salesmen make it sound that way when you're reading their sales letters, but it simply isn't true. They're lying to you. And even if they're not lying to you, and let's say their system does work, it's only going to work for a short period of time, and it's only going to make you a little bit of money. Not the millions they're promising.

That's why I constantly warn people away from the "business-in-a-box" opportunities. The result isn't ever very good. Maybe you'll make a small bit of side money, if you're lucky. Besides, why would you want to sell the same thing everyone else is selling anyway?

The only way to have lasting success online is to have a website that is unlike anyone else's, that you've built up into a success, with a loyal customer base, one step at a time.

4. Being a Shopaholic

This goes along with #3 above. Stop paying for every new scheme that comes along because they're promising you instant riches. All that's going to do is drain you of your money. And then, if you're like so many others, there's a good chance you'll get frustrated and give up on the whole thing, because you don't know who you can trust anymore, and you don't want to take a chance. So your dream of workíng from home is over before it began.

Or, maybe they're not selling you a scam, but in fact have valid programs that many people use successfully in their businesses. That's great, but that doesn't necessarily mean that it's right for you right now. It might be something that will be a good investment for your business later on, but you should really concentrate on getting your website up and running first. Otherwise you end up with information overload as described in #1 above.

5. Fear of Technology

Just because you haven't tried something before doesn't mean that you can't learn to do it. Think about pretty much everything you've ever done, especially the things you're good at. Did you always know how to do that, or did you learn it over time?

I'm guessing that you learned it, and you can learn to do a lot of the work on your website, too. I constantly have to tell the people I meet that it's in their best interest to learn at least a little bit of the technical stuff that comes with having a website.

I'm not saying you have to be a programming expert. In fact, if you need heavy duty programming done, then you should definitely get someone to do it for you. It'll save you a lot of time, for one. But there's no reason why you can't learn some of the basics of HTML so that whenever you need to make a small change to your website (such as the testing we talked about earlier) you won't have to pay someone to do it for you. And you won't have to wait for them to have the time.

It's not as hard as you think. It just takes a little time to learn it.

Conclusion

The most important point I'm trying to convey is that, in order to be successful online, you need to remain focused on one task at a time. Finish that task and move onto the next one. Finish that task and move on. And keep going until you're done.

Stop investing in every fancy new program that comes along. There are no "magic bullets" anyway. Stick to the plan from the beginning, and see it through to the end.

Starting a new website does require a bit of work at the beginning. There's no way around that if you want to succeed. But the great thing about working online is that once you have everything set up, you can put almost all of it on autopilot and bring in money 24 hours a day with a minimum of work.

So get started now, don't be afraid that you can't do it, don't get frustrated, and don't let anything distract you. You could be making very good money in very little time if you do it right

You can read full article here.

Gold Investment to Prevent Inflation

2009-05-01T10:06:00.002+07:00

Gold investment, many people believe gold is a investment product that can prevent inflation. And indeed, history proves a gold toke by people panic when that happens can be dangerous to the state economy, such as high inflation, financial crisis, or war.

Inflation is an increase in the price of goods and services in general. Inflation can undermine your money. If the assumption of inflation 15 percent / year, the price of goods & services that are now worth US$ 500, will become US$ 1006 or twice the 6, and US$ 1530 or three times in 9 year..

According that, there are three types of inflation:

1. Moderate inflation, the inflation rate only when under the two-digit per year (below 10 percent)

2. Inflation violent, that is, when the rate of inflation is on a two-digit year (10 percent - 99 percent)

3. Hyper inflation, that is, when the rate of inflation is on the three-digit-per-year (100 percent or more)

This post will discuss about what you can do to face inflation. If you are not among decision makers in government, you may not be able to participate in lower levels of inflation. You can do as an individual, which is just how you can take 'advantage' of the occurrence of inflation is. How? I suggest that you invest on instruments that will increase rapidly when the going inflation rate. What is? Gold.

When China was attacked by Japan during the World War, Chinese people panic and they bought gold, so the prices of gold increase extraordinary. In Indonesia, when the rush occurred in the basic supermarkets on 8 January 1998 (morning before the Budget announcement by President Suharto in front of the House of Representatives), the price of gold also jumped directly. In two days, the price of gold increase more or less directly as much as 1.5 times. And the price, although the fluctuation, likely to continue rising at that time - before finally going down again when inflation back under the two digits.

Facts prove, in the case of high inflation, the price of gold will rise higher than inflation. The higher inflation, the higher the gold price increases. Statistics show that when inflation reached 10 percent, then gold will rise 13 percent. When the 20 percent inflation, then gold will rise 30 percent. But when the 100 percent inflation, the gold will increase 200 percent. This is why you should consider investing in the form of gold. This is because gold is as an investment prophylactic inflation. The higher inflation, the better will usually increase the value of gold that you have. However, should note that the price of gold is likely to be constant when the rate of inflation low, even less likely to decrease when the rate of inflation below two digits. So, gold will only be good if there is moderate inflation (two digits), and will be better if there is inflation hyper (three digits).
Gold is available in several options. Some of the most famous is the gold jewelry and gold metal. One that is also popular in Indonesia is the gold coin.

When you invest for the short-term gold, you will usually be difficult if the benefits of gold jewelry. This is because if you come to the store and buy gold jewelry, you have to pay the price of gold plus the maker. Well, a while back when you sell, the stores will not want to pay the costs of making the gold jewelry. He will only pay the gold price only. In fact, the fate of fact, if a store would accept your gold jewelry. Some shops sometimes refuse the sale of gold jewelry from the public. The causes can be manifold. One of them is because they fear the gold jewelry that does not conduct again when sold. So, even if they buy again, they have to melt the gold.

Therefore, investment in the form of gold jewelry more happiness if stored for long-term. Because usually the price of gold you have gone up much compared to when you buy it.

Gold jewelry is available in a variety of rust, of which 18 - 24 carat. For investment, would that if you choose gold jewelry of 24 carat. This is because the possibility of gold jewelry you can be sold back far greater than the gold jewelry is 18 carat. Once again, the investments in the form of gold jewelry will usually result in a profitable long-term, not short term.

Investment gold which I was quite good in the form of gold investment (gold noble metal). Gold is good enough if the investment is made and anyone not deny that gold metal with different gold-jewelry-for easy re-sale. In addition, gold metal not ask for costs such as making gold jewelry. Therefore, if you want to invest in gold, so harmless you consider investment in the form of gold metal

The other is Gold Coins ONH (fee pilgrimage). That is, from the gold coin is expected to be as an alternative investment for those who want to save the cost of worship to prepare for the Hajj.

ONH is actually just marketing tactics only. In fact, despite the name Gold Coins ONH, but this investment is the same with other investment because the price of gold is same. The price is the same as the price of gold that the price of foreign currency (U.S. dollars), and secure against inflation. That is, people who are not even Islam can invest in Gold Coins ONH because this investment is actually the same with the other gold investments. In fact, naming the ONH Gold Coins are actually very profitable for the owner, because gold is better positioning in the marketing.

ONH Gold coins can be purchased and sold again in the branches PT Pegadaian across the country, gold shops, and the processing unit and the noble metal purification PT Aneka Tambang Tbk. Size of the weight of the starting 1, 5, and 10 grams.

No Reason for NOT Saving

2009-04-30T09:35:00.004+07:00

There is No Reason for NOT Saving, if you always say like this
"I do not want to have a savings account to save money. The problem is, I'm running out of money to continue..."
"I have to buy shoes for my children..."
"I need to buy this and that ..."
"Ah, I really not talented to manage money ..."
Words in the above may be familiar to your ear, or perhaps you own said that. You may want to save money, but in practice, it is difficult to do. You always run out of money at the end of the month so you can not save. Whether you are a person like that?
Do not be grieving. Saving (investing on a regular basis) is often done for various purposes. However, if you set aside money regularly, then the money you collect can be very useful.
Someone who has revenue of US$ 1,000 per month, for example, after a year to save the account balance only US$ 200 in the account. Once asked why the amount of the balance of the account only works after a year, he said incomes are often exhausted in use in a month. So, he can not save.
In fact, if he wants to save as much as US$ 100 per month only, then at the end of the year he will have a number of the account balance of US$ 1,200 plus interest.
Whether a situation like this is quite familiar in your ear??
Improving and Press
I will tell a way for you. If during this first you always spend money so that you always run out of money to save, now why do not you reverse the process?
When you get your salary at day 25 in one month, first part of the money for your save, then spent the rest. When you do that regularly, then after a year, you will already have a large amount of savings.
When you do so, then you have no more reason for you to not save money. It's possible that the money you spend can be reduced. But that is the consequences: You need to have a certain amount of funds as a backup for your future.
For example, your income was US$ 1,000 per month. You usually spend US$ 1,000 or up. Now, with your save US$ 100 per month in advance, the total expenses you only live US$ 900 per month.
When you feel the amount is not enough, then you must do one of three options below:
1. Increase your revenue. In the above example, the income US$ 1,000 increased to US$ 1,100. With you still save Rp 100 thousand, then you are not spending more US$ 900, but return to US$ 1,000.
2. Pressing your spending. In the example above, you are willing to push your expenditure from US$ 1,000 to US$ 900
3. Do both, that is, the increase in income while the cost of living. In the above example, you can increase your revenue to US$ 1,100 and the your expenditure to US$ 900. Thus, you have even a greater difference for saving!
It's up to you, which of the three ways before you want to select. The most important, you need to familiarize them to save money. In this case, if you have difficulties to save because they always run out, you can save money in advance so you get the revenue.
Always remember: You need to reserve funds for the period-the presumed future.
Where to save?
There are many options that you can use as a place to save money. One place to save the most popular people are a savings bank. Excess savings is that the funds in the savings can be taken whenever you want. Weakness is that the savings at this time, generally in the savings bank only gives a small profit.
In addition, you may also save money by buying gold. When you save as much as, say, US$ 200 per month, you may be able to buy gold, which is in accordance with the value of money you save. At this time, many gold coins are available that can be purchased with the amount of one gram only.
Alternatively, you can also save money in the form of investments such as Mutual Funds. Mutual funds are a form of investment where the money you save will be managed by a team of Investment Managers to invest in various investment products. To be able to invest in Mutual Funds, can be started with the amount of funding requirements at US$ 100 or more
Clearly, there are several options if you want to save money. Why not get started?

The Most Feared in Investment Business

2009-04-29T21:36:00.000+07:00

“How if I take the risk in investing?" This question may often said if you are to weigh to make the investment. Say you have the money US$ 10K, and you are confused whether to put it in a bank or elsewhere. If in the bank, you may feel secure. But sometimes, offer investments in other places are often very large and seduce that this sometimes frightening you.

That there are certain investments risks. Well, from my experience so far, usually only have three the risk that feared by most people when they invest:

1. Decrease in value of Investment

Risk that most people fear when investing in general is, "Will I lose money?" Most people may say "no" when asked like that. Who want to lose money? However, the problem, that there are certain risks in any investment. Only difference is in size. There are investment products that the risk is big enough, there is currently, and there are small. One thing that most people fear, once again is: "How if I lose money?"

Okay, now if you invest, how much decrease in the value you are willing to responsibility when you lose? 10 %? 30 %? 50 %? Or 100 %? Regardless of loss you are willing to responsibility, remember, it is part of investing. Do not ever expect you will continue to speculate. The loss, it must be experienced occasionally.

2. The difficulty of Sale Investment Products

The second most feared by people to invest when investment is whether the product is easy for re-sale. Some people may be happy to invest in gold because gold is considered easy re-sale. However, there are also people who invest in the currency to U.S. dollars, and dollars are quick inclusion to the bank. This is because when the dollar was kept in the cupboard, the physical condition of paper money may be decreased, and that sometimes will make a time when the dollar would be sold again. Know, some banks often do not want to buy foreign currency when the condition of your money is torn, damaged or dingy.

Other example of investment product that is not always easy to re-sale is a collection of goods. Collection of good in general is not always easy because the re-sale markets the goods the buyer is very specific. For example is painting. Because of a specific market, not easy to sell the painting. But, once sold, the price could be very high and gives the rather fortunately for those who sell them.

So, before you decide to invest, consider first how easy it is the product of your investment can be sold again.

3. Investment Results Provided Not Increase Price of Goods and Services

Imagine if you invested in the deposit interest rate to give 10 percent a year, while in the year the price of goods and services increased 15 percent even? This often happens, not too high because the price increase of goods and services, but because of the selected product itself will not necessarily appropriate.

Some of you may want investment product that is safe and conservative. However, the consequence is that the investment results obtained may not match the price increase of goods and services. If you hold it naturally from year to year, then you will go bankrupt.

What should you do to address this risk? Do not close them to information. Learn investment products that you may not know, and then try to go there considering all the consequences. The long run, you can certainly overcome the high price increase of goods and services to invest in products that are potentially to be able to give results higher than the price increase of goods.

Happy investing!

Reduce Education Cost with Insurance and Savings

2009-04-29T14:21:00.000+07:00

Towards the new academic year, the parents will got headache each face costs of education are no longer cheap. Lack of education for the future becomes a shadow of bad parents.

Data UNDP (United Nations Development Program) shows, the quality of human resources in Indonesia is ranked 109 out of 174 UN member countries. Indonesia's position is under the Vietnam and several African countries.

This situation worsened with the number of children dropping out of school, mainly because of economic reasons. Without adequate cost, children, Indonesia is not powerless to continue education. High cost of education, the belief that education is a luxury, because for most people, the cost of education still seize the jumbo so difficult to fulfill. Especially for the middle to bottom with limited finances. This raises a big social impact, they will find life on the streets, than to have to school.

Facts on the bitter reality. Besides not eating and drinking needs, education is also occupy important positions. Yes, education determines the future of children in particular and determines the quality of human resources in general. And in the era of high technology such as now, the education that is able to become a savior best. Of course, as parents, we do not want children can not afford to balance themselves in the association and a career as a background study.

Therefore, anticipate the high cost of education is, according to Drs. Undang Suryana, MM, Dean of Faculty of Economics Ibn Khaldun Bogor, one way is to fund education to prepare far the previous day.

"Do not prepare a sudden the school fund, and eventually shocked with a money base that sky, so that your child failed the school forward," said the author of micro-economy.

Acts suggest the form of insurance and savings education program as the anticipation. There may be confusion over this, or did not need, or lazy-related insurance because the process for making a part of. However, insurance has become a modern financial management instruments to prepare since the early financial planning for his/her holder. Also savings, which is one way to overcome the conditions that completely erratic. The problem, how do we find a suitable financial institution, prospective, and credible, so avoid unnecessary risks.

Insurance Education

Insurance education is the cost of insurance plus investment in education. This function has any insurance protection and investment. Functions bear the risk protection that is up to the policyholders if the promised amount of money that a Force Major, the death, for example. Insurance money is provided in accordance with the cost of education for children that have been agreed upon in the policy. From an investment, with the premium paid on a regular basis, policyholders will receive the benefits of insurance when taken at appropriate time and in accordance with the needs that have been planned.

While education is a passbook savings account that is specifically designed by the bank. Customers too periodically and automatically to an account of the time period in accordance with the schedule of education of children. The amount of savings each month is calculated from the target of the selected fund education to ensure the availability of funds. The bank is also working with the insurance company to ensure that deposit the customer experience continues even outside of the incident alleged as natural, exposed PHK (Termination of Employment Relations), death (while children are still small), an accident that causes disability so difficult to get a job ( not more productive).

Select the appropriate savings income

Savings and insurance education is required, but it does not mean you away in a hurry to take decision. This clearly requires a mature mind, not until the case is considered a solution even happened otherwise. Select and think about good things:
1. Take insurance and savings facilities in accordance with the specification of needs, do not attracted with ads / campaigns that arouse. Remember, this long-term investment, not the things that once felt so direct hit or loss.
2. Determine what education you want for your children. If this is already done, you will know how the budget should be spent. You will know whether the funds will be used and can be used directly on time.
3. After selecting the insurance / savings education, complete data family, especially his wife and children as beneficiaries. Insurance policy or Save the file in a safe place and known by the heir. Do not forget to ask the staff of insurance and savings to explain how the heir to the insurance claim procedures and savings if the case of natural.
4. If all the preparation and consideration has been carried out, do not forget to pay premiums or make savings on time, keep proof of payment will be required at the time of claim. You also do not depend on the premium, but for self discipline.

"School is an expensive investment, so prepare yourself for the future since early childhood, in order to achieve education at the high. Think baked, is a wise before making a decision. So that the future of children will be save, "said Undang close the conversation.

Three Basic Rule to Running The Business

2009-04-28T02:19:00.003+07:00

Hopefully after reading any posts, you will be motivated to want to run the business. Why not? Business is one way you can do in order to increase revenue, isn’t it?

Well, if you now think: "Approximately interesting idea is also to open a business. Okay, now if I decide to open a business, about what important things should I look? Want to engage I just failed in business....".

I remember when about two weeks ago, I read any posts from a businessman in one of Indonesia. He says, "If you open a business, then what you should do is just do ...." I think that is correct also. Many of us that when a business will often stumble on the activities that are calculated measure such as, "What about this business I can hit ya ... Try me count the first ...".

In fact, I calculated anything. Action survey before you make a business can not do anything. But unfortunately, often many of us are too old feasibility survey on the problems of business and the countdown until we become lost in the emotions that are required to open the business.

My suggestion, when you already intend to open a business, it does not matter if you want a survey or countdown event-count first. But, not until you take action that makes you so temporize delay action to open a business.

Well, before you open a business, there are 3 important things you should know in the business. To-3 if this is your run, that the risk of failure in your business can be more. Is not that what we all want?

1. Search for Creative Capital Resources
Do you find it difficult business capital? Are you too heavy to pay interest on bank credit business? If the answer to both is yes, then you may need to explore alternative sources of cheap capital. How? Among others, may be with relatives or friends invite you to infuse capital in your business, or even two you can even open a business in joint venture and run it together.

Other alternative, try a loan of money from relatives or close friends nearby. Because generally they have to know you and understand your goal to open a business. So they may be willing to provide loan money to the interest rate below the bank interest or even no interest.

But remember, even though the brother, whose name remains something borrowed must be returned, including borrowing money. Do not even up to your relationship with relatives or friends will be broken because of money problems.

2. Location and human resources
Location is one of the important factors that need to be in a business. It's a business that was established in a suitable location, but not fit in other places. Business cafe and photocopying may be appropriate for the environment around the campus, but to open the store notions might be more suitable for residential areas. Therefore, do a survey to find the appropriate place for your business. Check market conditions, the potential demand, and do not forget to also search for information on how the development of the area to the front, as this can influence your business.

Another factor is human resources (HR). Human resources becomes very important because this is what will drive your business day-to-day later. When you start this business alone will not may be a problem too. But, if you recruit employees in your business, you must be concerned about the personality and abilities. If your employees will be dealing directly with your customers, choose the person courteous and friendly. A client to me, for example, have a business notions store. When he was maintaining its own store, there are so many customers. But, when the servants are to maintain a store, customers began to wane. Asked after the customers, the average of them said that the employees are not so friendly in serving our customers become reluctant to come to the store. Of course you do not want this happen to your business right?

3. Promotions
Terms of promotion is often forgotten by those who are opening a business, or not infrequently, promotional removed when business activities are in the doldrums. The reason, no refund. In fact, promotion of any business should be to stop in time.

When a campaign stop for a long time, people can forget on your business. But if you always do the campaign on a regular basis, people will always remember in your business. Promotion of continuous always good impact on your business. If the sluggishness of the overall befall you and your competitors, keep promoted. Maybe you should sacrifice a bit first, because the minimum income while expenses continue to campaign there. However, I believe that if the sluggishness of the economy on the factors, then a condition when will recover.

Now, when conditions began to recover, people began to return the goods and services, it is time you will reap the results. People will buy from you, because you are remembered because you are the most diligent promotion. Imagine if you do not make promotion, the bad condition, you can even already bankrupt. Well, how?

Starting from Home Business
If you are interested in opening a business, why do not you try to run it from home? Yes, start a business from home can be very useful, but of course it must be adjusted to your home conditions and the nature of your business. Of course, the assessment for the best two things this is in the hands of you as the prospective entrepreneurs. When both are not possible to start a business from home, do not be forced. However, if the business allows you to run from the house will be very good because you will get various benefits.

Opening a business in the home allows us to take the time to the family. With the launch business from home, we can have more time to do the work home. Therefore, if you are a woman, start a business from home is very appropriate for you who want to keep the power as queen feminize your house at a time can work to earn money. Starting a business from home is also a significant savings that, as with the start at home business, you need to reduce costs for renting or buying a business. Well, if you want to run a business from home, do not forget to inform and complicated relations with both neighbors and local officials. This is important for the security of your business, and also so that people know about your business, who know they can even be your customers.

Needs Vs Desire

2009-04-27T03:52:00.001+07:00

Be careful if you can not distinguish between needs and desires. Because if you can not distinguish which is the entrance as the demand and which are actually entered as the desire, you can-can be a wasteful person.

And this can be a spendthrift mother in your financial problems. With lavish living, long run deficit can occur. Your income is not more able to finance the expenditure, which continues to expand because of the nature wasteful. And if the deficit is, often find a way out of the debt that is short. Debt, especially the flowers, can make you bankrupt. And the wall is the end of your financial fate.

Because can not distinguish between needs and desires, then the ringannya you can not remove the money to buy a few things. But that money may be more useful if it were used for the other.

Can not distinguish between wants and needs can also make you can not determine whether the priority in their spending. In fact, you could be sacrificing a need to get what you want.

What is the difference between needs and desires?

In fact there is no limit to determine the exact differences between the needs or desires. But as a guide, seroang friends gave me the following definitions:

Needs are things that are required so that people can achieve prosperity, so that when there is a need not fulfilled then the people will not feel safe or less safe. Can be said that the requirement is a matter that must, because without it our lives to be prosperous, or at least not less prosperous.

While the desire is something extra on the expected demand can be met so that these people feel more satisfied. However, if the desire is not fulfilled then welfare is not reduced.

That if we see in terms of satisfaction or welfare of someone. But the welfare and satisfaction is also very relative for each person. While I think that alone to distinguish between needs and desires, should be seen in terms of its function. Saying something as if the desire is already up to its main function.

A simple example, needs to eat is not terelakan. Not only human, every living creature that needs food. Eating akan provide energy and health for people, the food is nutritious food that needs all of us.

Food has the function as the main source of energy for the body. Meanwhile, provide a sense of good is a function of additional food. So tasty food is the desire, not need. But it does not mean can not eat food that tasty-tasty. But first we need to consider whether the expenditure for food was tasty akan compromising the needs of the other or not.

Other examples. Dressed is the need to protect us from the weather. Clothing also serves to keep the genitals musti our guard. For some people it may be required to dress for a certain type of kepantasannya, such as a jacket or tie. But do need to wear clothing that is expensive and bermerk? I think bermerk clothes and not the more expensive needs, but desire only.

Also needs home, where we live and shelter. So that the home can work well, also headed home with a variety of household equipment such as televisions, refrigerators, and other furniture. Every instrument and furniture that has a function of each. During that used in accordance with its function, it is needed. But if used to "show off", just show the neighbors that we are able to buy such as they. I think it needs no more, it's only desire. And desires such as this should not dituruti.

Standard needs and desires for each person can be so different. Of course, very dependent of environmental conditions, daily activities, work demands / profession, and so forth.

For some people, the car is already needed. To be able to support the many activities outside the home and often traveling, the car is a means of transportation that needs to be. If the car is for transport, where we bring akan pergi.

But often we have the desire to increase the range of aksesories car, not to increase the comfort or security drive, but simply enhance appearance only. I think it needs is not, it just wants it. And this desire can be delayed if all the other needs are met well.

Moreover, have some type of car, but we can only use one. I think it's clear desires, is not needed.

If we are able to distinguish where the needs and desires which we can determine the priorities, which take precedence, and which can be delayed.

No one really we meet our desire for one-time meal in a restaurant to celebrate something, or install a car accessory to be more secure and comfortable. But remember, do not give up until it iu that we need other, more important.

Although you may now feel able to satisfy all your desires, but we must remain prudent, do not forget to akan needs in the future. We must prepare for pension funds so that we can enjoy the peaceful old days, we must also prepare for the funding of education our children, and that all the needs of the future is to be prepared now.

Should remember is, do not satisfy the desire to ignore the needs. And do not forget that until the needs of all musti not come now, because there still needs to be fulfilled in the future. Meanwhile, the human desire will never be a limit, now or later.

So, make what you desire to meet current needs, but the expense of you and your family in the future.

Tips to Compete for Your Business

2009-04-26T23:22:00.003+07:00

Interestingly, if you note, is the Music Group, previously known Peterpan already has several albums, Ello own new publicly known when he sing a song titled Pergi Untuk Kembali. This, is, old songs, and incidental songs were created by his father. A surprise, songs Ello others we have never heard on the radio-radio. Even in the TV also does not. Many people said that Ello lucky, the songs are the first direct ngetop and became hits. The question is simple: How can? Yes, I can, so come Ello direct competitors-conquering competitors? Answer me a simple, Mr. Mother: "Because Ello is different..."

Yes, Ello have a unique voice. May be spelled out, like a voice Roselle Nava. But that distinguish Ello Glenn than with sound, of course, physical. Color of their skin is different, also different body postures, and even the hair is different.

What I mean told about Ello? Bu it simple. Maybe not once or twice you think to open a business. Whether the small shop, shop, beauty shop, eating places, mail-delivery service bureau, laundry, or anything that. However, although want to open, the capital, I have, but his brave, isn’t he?. Why? Because what you fear is often used to see similar efforts that have been established first. Yes, right?

Take an example if you would like to open beauty center. You often think: "Wow, two blocks from here there is another beauty center. Practice, again. If I open beauty center also desperate, so I can conduct?". LOL. Yes, is not it, that's your mind?

Mothers, I just want to say that the competition is healthy. That's good. Why? Because of the competition will generally make the parties will compete to improve the quality of the self so that they each will usually also increase. Now the problem, how can you open a business field that is first opened by other players.

Bu Be different! For example, if you want to open the beauty center two blocks from the house you already have first beauty center that behavior, try to see who's beauty center market that is already there? For instance, the beauty center is first established that the beauty center is the mother encompass many of the houses around where you live. If you come there, the tabloids have usually there is a Tabloid NOVA. His waiting chairs and tables are also chairs and tables are designed so that the mothers who come can sit comfortably and chat each other to one another. Cable TV is also installed the preferred young mothers. Her beauty center most workers are also mothers, so that the chat with the customer so linking.

Well, if you open a beauty center with the same concept, what happens? Are you sure some customers will run the previous beauty center to you? That is, is not it, hope you?

While not necessarily the Bu. Mothers that would like you: "Hmm ... have 2 beauty center near-similar ... ... it looks like more, please, a new beauty center that seems really cheap .... but I, I, already have a subscription, already know better, to my regular beauty center only. I’m lazy to trying again. Not necessarily appropriate. "

I understand the purpose. A customer, when she saw the two businesses located near and has the same concept, he will usually come to the business that he's more 'experienced'. It’s more original. Yes, right?

How to continue if you want to open the beauty center two blocks from your existing beauty center for other mothers who have prior behavior? I do not open beauty center for mothers. Have a different concept. Example: open beauty center for young people. For children high school. With a different, you will be better known because of the differences you.

Why? Yes clearly, which the beauty center for more young people in your area? But you, eh? No more. With a different, it's easier for your business known to people. If people already know your business, the more likely your business is more in demand.

Lo, hold, and what the concept of the right beauty center for young people? Place may be colorful. Play songs that are young people like. Once again the father of the mother, never mimic the concept of success is first because you only want to replicate the success. Can mimic the success, but never replicate the concept, especially if your business must fight together so that clients or customers. Have a different concept.

So, never afraid to compete. One of the tricks is to have a different concept. So, what are you waiting for? Open a business right now and be different.

When Economy Crisis Attack Us

2009-04-26T06:39:00.001+07:00

The increase in fuel and followed by the increase in food are not likely to be arrested again. Which is the basic material needs of the daily sacrifice shall be redeemed with the fund that no longer here. Imagine the earnings may not rise as a result of the company difficult to increase the fuel, we still must accept the fact that spending money and transport money that has been prepared that can no longer be used as properly.
With such circumstances, what might we do?

From the start in

Financial problems we are located in the one fact that is not sufficient revenue that we earn. And answers that are appropriate for it also makes it clear that is enough. Some of us will say additional revenue is way out. I can not blame such a contention. But if additional revenue is always a solution? In fact must be recognized from the foreign money is not easy. In fact, sometimes the sacrifice must be made not balanced with the results obtained. Not to mention not all people can do. Therefore, before deciding to try to find additional revenue from outside, may reparation can be done in the first. For that is a futile if we increase but no changes in use patterns. For the financial problems not believe depends on how much we get but how to use

* Evaluate the use of funds
The first step to stabilize the financial evaluation is to make our finances. Try this month recording what expenses the family has to do to meet all their needs. A family consultation was to manage the monthly expenses that are always on the target that has been determined. After the evaluation is done together, it is known that the cost of the family is always in excess of the budget each month. This happens because at the time of shopping, the family always do this together, and always to pay more for the breakfast event that is not budgeted previously. The problem has always taken the funds from the budget so that spending money always exceeds the target.
To start it at this time that the expenditure is separate to the main expenditures followers. Thus they will know how much real family expenditure each month.

* Create a spending priority
Remove that must be removed, and the resistance to that has not been needed. Sometimes we feel has been trying to remove only the necessary, and has left as desired. But when asked what criteria need and want? how to distinguish them? may not be able to answer them all exactly. Requires that the expenditure is to be done, and want is that the expenditure may still be delayed. So with this simple definition, we should make clear what the priority in the family expenditure. Try to ask yourself at the time spent.
"Is this expenditure can be delayed? what if the consequences are delayed? "
if the answer is not delayed or suspended when the negative effects will result in a higher, then it is needed. But on the question of when you missed that earlier is not a problem, or if delayed negative effect does not provide too large, then it is the desire.
When this communication is a requirement. Purchase and credit needs are automatic. When you purchase credits with demanded will make fatal consequences to self and your family for example, will disrupt the family business, the purchase balance is needed. but if the delay to buy credits only result in you not be able to contact friends or your colleagues, then it is the desire.

* Muffled expenditure is not detected
One of the failures in the family is the occurrence of financial profligacy. Family had a consultation about it. All expenditure has been budgeted, and in black and white there is a surplus of funds. but why at the end of the money always runs out even less? Although I know that we can only do one at a survey, but I think it will be boring. So why do not we change the pattern. I suggest to the family is to add 1 thing they never did before, namely the surplus funds to save them. Each of the early days, after the count and make a budget, the family usually leave their surplus funds in the savings fund as unexpected. So start after consultation, they have to put the excess funds in the form of productive goods, in this case the family agreed to buy gold coins. What happened? after the consultation session, each month the family can always buy gold coins, and the number continues to grow each month. How to fund unexpected? I suggest using a credit card for this. But, of course, must pay the consequences after the charge. Funds? I sell out of gold. But somehow at this time until the card has never been used.
Sometimes conscious or not, if we are leaving money for something unexpected, the unexpected things that can happen. Therefore do not expect to happen, the excess is used to separate your funds in advance, not to be unexpected expenses and not be detected

Finish from the outside

At the top we have already discussed how we must act from within to increase the likelihood of prices. Now it's time to finish it from the outside. For the financial families depend primarily on two aspects, namely the influence of someone in how to set up and manage money from outside and that is how someone set up and manage all the temptations and the bid can affect the overall family finances.

* Avoiding New debt
If it is not forced, to avoid new forms of debt when the debt first is consumer debt. Remember your current expenditure will continue to increase, and indeed seem to additional funds from outside is one way that can be applied. But debt is not additional funding but would like additional obligations that we would not be completed. Especially with the price increase, not likely to increase the interest rate loan is also the obligation to be you.

* Discount is not always the answer
If you talk discount, usually we guest with our savior. Imagine all the high prices, there is still the low member price.
But if I could remove the member suggestions in funds, the most important is not how much you spend that, but what you remove. Rather than removing the few funds for goods that are not needed or even items that you only create more consumer become may be better to buy goods with the price a little more expensive but really we need.

* Avoid speculation Investment
Another is to avoid speculation investment. With increasingly difficult economic situation, the more people who offer the alternative that the settlement of one of the investment. When time so, usually the type of investment that provides the most seen as a way out. But if we do not understand and rule it, never go in it.

* Create a protection
One way to make savings and help finance the move is a cost that may occur to others. And it can be done by the insurance. When we first finish with all the problems through private money, may have a problem when you submit a large-large to the asuansi. Cost of health care, vehicle repair and protection of the home, can be the beginning step. Remember the increase in the cost of fuel then automatically also increase other costs, including health care, improvement and development.

* Trying to add revenue
Finally, there is no way other than trying to increase revenue. Start trying to increase potential self, recognize the environment and always looking alternative is one way to get additional revenue. Does not need big, but make it into a routine. So among all the rising cost of retroactive, there is little additional revenue for investment than we can add.

Financial Preparation for Your Baby's Born

2009-04-26T04:48:00.001+07:00

You will have a baby? Wow, congratulations. Isn'T you, I will surely participate pleased to hear if there are others who will soon have a new member in the family.

How not? The birth of a baby often give a new spirit in the family. Even the spirit is often even appear around 8 - 9 months previously when the parents get the news of pregnancy from a doctor. And it can be to guess - the happy is when the child is truly born.

What happens next? The longer the baby gets worse. Slowly he has started running. May still tertatih first-tatih, but the long run he has started running even though still quite rigid. Then, in just a few months or years, you will see it run here run there anything that is in the front squall noisy, and you will soon look back when he was still in your stomach. Like now.

As a Financial Planner, if you have a baby who may not have been born, there is no other that I can do except advise you to prepare financial families in the birth of a baby is welcome.

Why you must prepare financial commemorate birth? Clearly I, when the child is still in your stomach, every one or two times a month you should go to your uterus examined a medical specialist womb. That takes money. Then when you give birth, it also takes costs. Not to use the tool if the birth, induction and caesar operation, the cost can be greater.

Then you also have to spend money to buy all kinds of baby equipment. Start from the pushcart, clothes (which will quickly subside as your child grows the most from day to day), milk bottles, pampers, and so forth.

Even not only that. With the news of pregnancy from a doctor, may also have time for you both to evaluate the habits of the family again for this, because this is the time to increase savings in the family.

Below, I will provide some financial steps you need to do this at the time when you are welcome the birth of a baby.

    1. Immediately decide where you will be delivered, and check costs.

       This is important so that you can find out how much the estimated cost of labor that you may remove it. Options where the birth is usually two: the Hospital / Clinic or General Hospital / maternity clinics.

       Not only that, you also need to choose a location. That is whether the hospital is far from you. Most families often choose a location close to the maternity where. No problem. It is important, after you choose a location, try to contact them to check how much the estimated cost is required when you want to do labor there.

       If necessary, do a small tour to that place to see a friendly atmosphere. It is important for you to feel comfortable when you make a change in that place. If you do not have a personal vehicle, make sure you are budgeting for transportation at the time of childbirth (rental car, taxi, or ambulance).

    2. Check whether your Maternity Costs borne by the office / place of work you or your husband.

       If indeed, yes, if replaced entirely? Or only some? That way you can estimate how much that must cost you prepare for childbirth. If you also need to check whether the replacement will also change the fees that you pay for visits to the doctor womb.

    3. Start saving to commemorate the birth of that.

       If the office does not provide a replacement, then you and your husband need to set up their own funds that confinement. There are two ways to save money that can be used. The first is to save regularly each month. The second is to save only once. How both can be used at this time if you already have a number of funds that can be used.

       To where you can save your money? There are only two investment products that I recommend: the first is savings. This is because the savings will not diminish the value and can be taken at any time.

       When you invest only once, then you may be able to insert your money to the second alternative investment, namely deposits. You can choose short-term deposits with short-time short course, such as time deposits within one week. Thus, each once a month you can evaluate whether you will still put your money in the deposit, or retrieve it when needed.

    4. Start saving for your baby.

       Not only the cost of labor you need to prepare. It is also important that you prepare all kinds of funds for this purpose during the baby's first few months, such as soap, powder, baby oil, shampoo, clothes and others. Meanwhile, the cost needs day-to-day costs such as milk and baby food, should be included in your monthly budget day-to-day.

    5. Take life insurance.

       If your husband is the only breadwinner in the family, suggest he to life insurance. Life insurance can be used to pay for the expenses of families due to death of the breadwinner. And most importantly, the santunan life insurance can also change the payment for labor and all kinds of expenses for your baby later.

Key Factors Into Housing Loan

2009-04-26T04:23:00.001+07:00

Purchase their homes through home loans, could be the union, commitment or agreement debt and the largest creditor terpanjang you may have a disconnect. Because home prices are more expensive then the larger the home loans that are required and also the length of time to return it, usually take up to between 10 and 15 years of your life.

If we look at this time in the home credit market has a lot of changes occur. A lot of credit supplied by banks has made various offers that variatif to attract people to want to take credit house product. The fact that there have been changes in the banking world, where many of the old ground and the new players who also appear to add the atmosphere of competition that summer. With the many home loan options that should be more profitable for our prospective customers.

Unfortunately, to get home loans from the bank does not become easier from year to year. Untung course, we do not have to make a long queue at the bank for a loan home. Nevertheless, the credit approval process it must remain home through the various stage filtration process.

Complexity is growing even with the various administrative processes and legalization of the package is one that is not integral to the home loan. Not yet costs about the transaction following the purchase of the home loan cost fastening, and other administrative costs. No wonder if many people get the credit it is very long and complicated.

However, do not despair, select the appropriate credit home with you not as you imagine, and hope that your home loan application is not approved will not be possible, if you run a few basic steps below.

I need a loan to buy a house.
How should I start? Area's most important that you first need analysis is your financial ability. It is no use if you borrow outside force readiness you return it. If you do that, you may have ended with the house of your dreams, but when the suffering financially from time to time trying to meet the obligations of home loan installments that are too large and exert every effort to meet the needs of the household day-to-day tended to increase each year.

So how do I ensure that I take a home loan that does not akan membayakan my financial condition?
In general, the banks as the parties provide a loan or as the creditors will help you calculate the amount of credit home loan which is in the area your financial ability. When you analyze stuff in borrowing, the bank bisanya using the 5 factors as considerations in determining the amount of the loan.

Five factors are, your current income, the amount of debt that are running and how much debt repayments per month, the amount of the financing itself, the history of your previous debts, and the sustainability of your revenue.

5 to find out the key factors is expected to be able to help you estimate beforehand how much credit you are willing to home loans can be approved and the bank.

1. Earnings
To calculate the maximum amount of loans that can be awarded based on income at this time, usually a bank using a simple method that is only the main income plus second, which is known as the method of "three plus one". So the maximum loan amount is 3 times the main pertahun, plus one to two times revenue per year. "

For example, if so, if the couple husband and wife make a home loan, where the husband of Rp 5 million per month, or Rp 60 million pertahun, and the wife of Rp 3 million per month, or Rp 36 million per year, the bank will likely be able to give a maximum loan of up to the amount of Rp 216 million. But if you're still single and is considered the main reason not only has a joint income with the pair.

Type of income considered by the bank varies, but in general the earnings and the guaranteed routine or have been accepted routinely in the ago-that is. On the revenue that is not routine or occasional overtime just like money, will most likely be ignored.

The Bank will also require written evidence that can verify your income and the possibility to check their accuracy akan directly to the company to ask the employers you. Written proof of the required form of the last salary slip, working long letter, and photocopy of passbook from you during the last 3 months. If you're an entrepreneur and financial data requested is usually a photocopy or savings account at your bank giro. Then to verify your business is also usually required data such as business permits NPWP, SIUP, TDP, and others.

However, with this criteria, what can be made, you make a small income and the amount of loans given by banks are also small, and the greater your earnings, then the larger the loan that can be given.

2. Debts or obligations that are running
If you currently have a debt that is running, with the debt obligations of the monthly installment payment, the bank will automatically reduce the amount of loans that can be awarded based on your earnings. This is an obligation that runs before you have the ability to take loans in the next, also reduces your ability to pay the next monthly installment debt.

Imagine if we already have installment debt at this time, and then added again with the home loan repayments. How many of us who already spent to pay for the debt repayments are? If we installment debt is too large, a result we will be having difficulties paying other household expenses. The Bank does not want to continue to experience difficulties during this liquidity in the credit payment is big number of home loan credit home akan akan adjusted depending on the size of the amount of debt that are running this.

Adjustment is usually done with two approaches - the bank will reduce the amount of credit home loan, or adjust the amount of monthly installment. Limit the maximum total monthly debt repayments a family that is considered safe by the bank amounted to only 30% of the total monthly family income. Based on the method of the second bank will adjust the amount of home loan repayments, so that if added to the previous installment debt amount does not exceed the limit line. Kesimpulannyanya the more debt you are running, then the less likely to get new loans from the bank or not as much as you want.

3. The amount of financing their own
Apart from the factors of a person, then the large number of home loans are also tailored to the price of a house that will be purchased. However, in general, banks do not provide 100% home loans based on price, but average about 70% of its price only a house, the rest must be financed by the fact Anda.Pada at this time even some banks want to pay up to 80% to 90% of the house prices. Bank of the prospective borrower to request to participate in financing the purchase of the house, which is considered as a cash advance paid to the seller's house.

This advance should you prepare yourself, so even if you buy a home with a home loan, you should prepare some cash for the rest of the house price is not paid by the bank. The greater ability to finance itself, the smaller the risk for the bank, so that the greater the opportunity to get your home loan. But on the other hand, if the amount of own financing and the greater the amount of bank financing of the small.

4. History of previous debt
If you ever have a historical debt that poorly before, then do not wonder if at the time of this more difficult for you to get bank loans. Once your home loan application is received immediately bank the bank will look for data in the history of your debts then. Do you ever have that debt repayments jammed in other places and not finished until now, whether the court had dealt with the matter in relation to the loans borrowed. Policies of each bank is different in rate and tolerant about the past history of this debt.

If perkaranya is complete and you have said previously the bank prior to the requested - or find out before the bank itself, may be added value for you and increase your confidence in the bank. That, the size of the loan will be tailored to the risk factors fail to pay that have occurred in the past.

5. The sustainability of your revenue
Although the practice moved jobs or companies where work can dimaklumi enough, but more like a bank with the prospective borrowers to work with a more stable increase in a relatively good career. Most companies are not in the current period of job you have more than 2 years old and have been appointed as permanent employees. Create your berwirausaha, the bank will be considering how long your business has been running.

The reason is simple because the old age means that the business has been running quite well and the more experienced to be able to survive in the future. Minimum of 2 years of running a business that is considered safe enough by the banks in providing credit to the wirausahana.

The period of employment and employment status for your employees, and the duration of your business is for you berjala a businessman, is the things that the bank considered an indication of the revenue you in the future, and certainly affect the ability to make repayments later. Basically the more you earn terjamian sustainability in the future, the possibility of a bank to lend money that you need bigger.

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2009-04-26T02:29:00.014+07:00

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2009-04-25T22:34:00.003+07:00

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Get $ 0.2 FREE!

2009-04-02T03:38:00.000+07:00

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How To Trade

2009-04-01T03:52:00.006+07:00

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Click here to go to banner link or click at banner below

=======================INSTRUCTION=======================

1. Fill Information below and then press Create My Account

2. Then check your email and verify your email

3. Click TAKE ME HOME

4. Fill Username and Password then click LOG ME IN

5. Click TRADE and choose "TRADE STOCKS"

6. Fill SYMBOL with this symbol. There are many stocks symbol but I suggest you with this

GOOG, MICC, EOC, FLY, ABC, MCD, SLV, EK, HGSI, JDSU, MSFT, HP, NOK, F

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