Testingbro

II. Business & Finance
10/03/2010

1. Honored as the Employee Appreciation Form


Attempts to obtain professional employment in accordance with the demands of the position required a sustainable development, namely a business planning, organization, use and maintenance workers to be able to perform tasks effectively and efficiently.

As a concrete step in the development of the award held that employees have shown a good performance, the sense of appreciation in the company often in the form of a charter and some money from company employees who have achievements, there are also companies that provide credit to employees for the work and dedication can be a model for other employee award, because the work aims to motivate employee passion and loyalty company.


The award is the company's efforts in providing remuneration for the work of employees, so as to encourage employees to work harder and potential. Employee requires an appreciation of the work meets or even exceeds the standards set by the company. This award can be a compliment. Not only if workers make a mistake getting abuse from bosses. The employees have working a purpose among others to earn revenue to the needs and desires can be realized.


Let's say after 20 years of work, and then get a gift of gold pin from the company, from several types of awards above all the better. Except for awards associated with the Job. Not always associated with tenure. Such awards are considered less appropriate because it tends to not be able to motivate employees. Prize or award deserves because it can motivate employees to provide performance or better performance bagus.Ini will also cause a sense of pride for employees. "So that spurred them to more productive at work.


If the award given to the race as the race of innovation or Quality Management, Usually the existing standard criteria, the breakthrough aspect of running the program, ease of application and financial impact for the company. Acknowledge personal appreciation is better known by the identification of a person to another person, where a person recognized for performance and achievement in have when working.


Awards can so many kinds, there is in the form of bonuses, promotions, additional responsibilities for some employees can be a burden, but for several other employees can be a point reward for him, but definitely a company to provide more value, Sometimes not all about money.


Forms the best awards are to make employees know that he was valued by the company, not only by a small group of people. Some companies sometimes put photos of the most outstanding employees in the factory area to confirm that these employees can be role models for others. It was explained, companies should reward employees. Their thinking is simple, because the company must put employees as part of the capital, and very unfortunate that the most valuable capital is released only because the personal is not appreciated.


2. Feelings Coming First SPA Business


SPA has become a promising business field. In fact, beauty salon formerly known only as a means of treatment 'outside' is now also penetrated other areas, provide facilities pamper the mind. Consider the experience and business tricks from some friends who have successfully reap profits from this business.

A. Relaxation and Needs
Office work, street traffic and domestic affairs, this is the classic problem of active women. No wonder if a short break from the routine is important. Through the touch of a therapist's hand, not only a delicious body, healthy soul follow-up. Unfortunately, relax demanding high prices. While the location for a break can be enjoyed just outside the city, whether in the mountains or on the temperature cool white sandy beach. However, it was.

When you try to find a gap that business can survive in the storm of economic crisis. You see that the relaxation was still sought. Perhaps because many women are stressed, a spa and then became one of the run, especially if the salon that provides services is still fairly rare SPA. You can apply the initial concept, namely the traditional side forward.

To stand out in this business, primarily providing capital resources, in example a smart massage therapist, For this one you can open up the jobs in the newspaper. Those who register and then you can test. From there you can assess their skills. If you have a lot of experience, it is a plus. Further capital is to massage the mixture. Usually the herbs of choice are the customers who come from traditional materials, even the SPAs in the U.S. and Europe is like a spa from Asia such as India and Thailand.

B. Mature before Starting
It looks easy, but it’s make no mistake many businesses SPA which lasted not long. The reasons vary. In order to do the wrong step, it is worth your tears from a business friend of his spa this growing community.

First, if interested in the spa business, you must like the miscellaneous body treatments, as a hobby 'hunting' spa and dig deeper about the benefits of natural ingredients for skin health.

The second is to define the concept, Moreover, because customers come not only because of the service or feel comfortable with his therapist, but because the atmosphere is comfortable.

The third is to manage the employee to work with the heart. Do not let customers who came to relieve themselves just got worse from their impact. For that, prospective employees should be included a variety of training, such as massaging the basic skills and knowledge about the product. In addition they also have to learn about ethics and courtesy to customers.

C. Need Time to Evolve
Promotion and business success is a close connection. You also have to seriously handle the campaign. In fact, if necessary you can spend the budget 40% of your capital to hire a professional in charge of doing research on the media and the market in your town, similarly if you are actively doing since the beginning of the campaign, can send a brochure to foreign embassies, hotels, and banks.

One thing that might make you want to know is, when it’s time break event point of this business? Based on the experiences of people who have jumped into this business to get the Break Event Point time range is about 3 to 4 years.


3. The Prestigious Profession Lecturer


In the movie Mona Lisa Smile (2003), Julia Roberts plays Katherine Wilson, professor of art history at a college for girls, Wellesley College in the 1950s. Katherine figures could inspire his students. He managed to change the old mindset that a woman's most important task is how to be a wife for a rich man, not go to school.

Duties and responsibilities of teachers are important. The future of the students - who often referred to as agents of change - is in their hands. Unfortunately, this profession had no interest to new graduates, because of lack of appreciation of the financial aspect. In fact, a teacher can be the starting point of a brilliant career: to be experts, researchers, also minister.

Can Develop Your Self
So many wonderful professors, because if you feel there is a great opportunity to develop them-selves, the college's activities not only teach in the classroom, but also guiding thesis, a study, also wrote a book.

In addition to school, much of the information about the international congress can be followed. Then, what about the problem of remuneration? Is it more rewarding? "Problem salary is relative. However, the salary you earn as a teacher is considered sufficient to meet the daily needs and I still can save. So you can not dismiss the fact that when your profession as a lecturer wants to increase his income, it can cause other problems, one is the indication that the lecturer is busy outside the classroom so that students forget it, however outside the salary issues. There are other things more desirable professors. Among other things, the opportunity to write in the journal, supported by research with books and a complete laboratory), or research opportunities with other universities, both inside and outside the country.


4. Insurance Agent as Dream Job


Insurance agent has become one of the options currently professions. How not? There are many benefits obtained by working selling insurance products. There are no special requirements to become an insurance agent. Every person, whatever their background, can apply for work as an agent. What is important is our personality and willpower to achieve success.


You also do not have to wait until the company is hiring. Right now you can apply. Companies would welcome your application and follow up. After that, of course the training will be conducted. You will be given materials regarding the history of the company, insurance products, tips to capture customers, and explains the benefits, and much more.


Training time varies, depending on the company. Some have it in a matter of days, others within weeks. After officially became an agent, the company will hold another training at different times to continue to hone the ability of agents.


It would be better if an insurance agent or had first felt the benefits of insurance. Thus, he could look more convincing when it comes to presenting the various types of insurance products. If you have an insurance agent subscription, you can call to simply consult on this possibility.

A. No need big capital
Unlike other types of business, selling insurance products are not a lot of money. You do not need to have a certain amount of capital to get started. All products are prepared company. All you need to do is to market to prospective customers.

At most, you just need transportation and communication costs, and occasionally entertaining expenses, to reach customers. If you have a few customers who know each other, you can invite them to come together so as to meet them at once, Practical and more efficient.

B. Free set time
Being an insurance agent is not like most other employees are bound by office hours, Most of the time they spent outside with customers. Some customers come directly to the house, there was a visit to the office, and there's more to make an appointment to meet at the mall or a cafe. This is what causes many housewives interested in becoming an insurance agent. They can still work and earn additional income without sacrificing the interests of the family. The important thing is they should be smart for the time.

There is one thing you need to remember. Flexible working time means that you also must want to go to the customer whenever he wanted or felt the need. It's not impossible if he asks you to come on the weekends. Insurance agent jobs also involve aspects of serving the best customers.

Although the hours are flexible sort, the company still apply the rule to agency performance could continue to be monitored. They asked the agency to provide periodic reports on the activities or achievements that have been achieved. If you can’t come directly to the office, agents could report by phone or electronic mail.

C. Commission tempting and interesting

One attraction is the insurance commission. While working as an agent talk a salary, you will earn income from commissions. The commission amount varies according to the value of a policy that successfully sold, but in general the figures were promising.

The higher the value of the policy, the greater the amount of commission that can be obtained, For example, in a few insurance companies that promise to his agent a commission for minimum number of 30% of the value of the policy. Of course this will Profitable once for you, right? Without spending money, you can get a profit. Capital only outgoing and diligent search for prospective customers. In the future, you can have a brilliant career in this field.


5. 5 Ways to be able to Career Growth



Career and employment options in your hands, every decision must bear the consequences that make you grow, or vice versa, gave birth to anxiety until you turn to other professions.
The right decision start with how well you know yourself and make a decision upon it and then triumphed with a career that makes you a successful person. For you who want to change jobs because of dissatisfaction, examine again the following factors:

1. Do you love it?
A very early stage is important in career planning is to find out and recognize what you love. Most people, who are satisfied with the work, admit they love the job and managed to prove the performance of daily maximum and without a load, the ability to recognize what you like to be the most powerful self-motivation to keep making someone happy and successful in the job.
Tip: Create a list of job or profession you love, as free as anything without a fence, and give rating from 1 to 10. Departs from the most you like to go to work on the dream sequence of 10.

2. Learn more where your ability lies
Perhaps you've found what kind of work you most enjoy, but be sure to stay realistic, Exploration return your talents to help find the right job and identify a clear career choice.
Tip: Try to follow the aptitude tests online or search for a career consultant who works for you. It could be this way you make it easier to position yourself where your abilities should be distributed.

3. Add skills through training or special education center
Some professions require special skills or a particular educational background. Training, seminars, or educational path can improve your skills then use all. Get to know first what capabilities should be added to support the career, and stay realistic. Education costs, time, location, and planning, should be another consideration.
Tip: For beginners, could use the apprenticeship route, while for the experienced do not hesitate to learn more through the formal education that can strengthen your skills.

4. Find the right company for you
The main difficulty of the job seeker is to determine which companies are most appropriate for you. It may be that you have to determine in what areas you will be a career in accordance with the character and talent, but it becomes difficult to determine which company is better suited as a stepping stone you. Extensive network can help you identify your company's character.
Tip: Contact and establish good communication with alumni ties or your friends who have the same character or profession you want, to search for information that can empower you.

5. Control the mind with more positive
Focus the mind to prove a positive thing to help you draw the strength to get a bright career. Get used to think open, learn to control stress more effectively, identify themselves when to boost performance, when I can stretch the nerves, and find a way to prevent yourself becoming frustrated because the job.
Tip: Take control of yourself and your mind to always be positive, and work load step, Guaranteed in this way leads you on a successful career.


6. Want to Get Promotions? Measure your performance!


Your job performance can be indicators of success in a career. If you are satisfied with current work ethic (which was considered not productive in the eyes of your boss), or survive with a bad habit of not finishing the job and immediately upgrade it, do not expect your boss will take you to the campaign. Why?

Characters must be noted that the company is, firms prefer to have a small team providing productive. Companies do not hesitate to terminate the employee, if deemed not contribute to the progress of business. Employees without a good character building for him-self and the company became a threat to the company.

This is a great company of characters who not only demand high performance employees, but also puts a great team. This means that the company requires extraordinary contribution, as well as providing proper rewards for employees who belong to the business of encouraging business owners. Large company with a great team must have:
1. The team growing.
2. Strong leadership.
3. Vision in line.
4. Codes of ethics and / or value that is consistent.
5. A clear work plan.
6. Empowerment and delegation.
7. Assessment, awards, promotions, mutation and even termination.
If you can support the performance of the above characters, it means you have a contribution and great performance because you love your job, so be prepared to get a promotion or at least a motivating reward yourself.

If you do not grow as a team, an assessment against your boss stagnant, began not as a vision, even you are not able to work with existing code of ethics, and work plans are not in tune, it's time you decide choices: continue working or quit. If not, you may not enjoy the profession.

Know yourself whether you love your job or not, becomes important. Since when did what he liked to do or work with strength and not weakness owned, it will come out great energy. If not, immediately disconnect, go out and use the time to do another thing to be preferred. Do not expect the campaign, if you do not like the job, because after all a great performance was born from a love of the profession is not it?


7. Transactions Without Using Credit Card Loss


Practicality and convenience to be the main reason some people use more than one credit card. Credit card not only makes it easier when shopping (because do not have to carry cash), but also useful when you pay the hotel bill when he was out of the country for example.

Credit cards become problematic when you have no self control in using it. So, before you have a credit card, it is important to understand how to use it intelligently.

Credit cards can be defined as one form of the loan account that can be used continuously within a specified period of time. In the loan account has been determined that the maximum limit can be used by the borrower. Borrowers can use these funds continuously provided did not reach the maximum limit. Each time a debt repayment of the loan will reduce the balance in the account. This means that funds can be used also increases.

Importantly, the credit card user is the borrower. So, make sure you have a strong self-control in order to use loans wisely. However credit card is debt. There are several weaknesses and the advantages of using a credit card:

A. Advantages:
1. You will not be charged interest if you pay your debt until paid off in the grace period (prior to maturity) within 25-30 days.
2. Simplify the recording because the credit card company will send a report to your account.
3. Convenience and can be used when we have no cash for unexpected needs.
4. The risk is lower than carrying cash.
5. Can be used around the world because the issuing bank in cooperation with international financial networks that are recognized around the world.
6. Benefit for its current issuer bank has worked with several merchants to provide special discounts with credit card.

B. Weaknesses:
1. You tend to spend more with credit cards so that higher consumer trends.
2. High interest rates. You have to pay high interest for the balance not yet paid.

C. Tricks:
1. Save your credit card for payment by installment system. Do not get stuck to always rely on payment by credit card if you can only pay the loan in installments.
2. Do not buy their daily needs through credit cards because you will be addicted and then get stuck with consumer debt. Pay cash for daily basic needs, and save your credit card at home.
3. Pay your bills before the due date to avoid interest.
4. Pay your bills for the amount of groceries. This means do not indulge your-self by delaying payment of bills. If you can’t, then the self control to not only shop with a credit card.


8. Being a valued Team Leader


Large companies can only result from a great team, and the role of the leader becomes the end of the spear. As a team leader in the work unit in the company, whether you managed to push the performance to achieve the desired goals? This required strong leadership to build a great team and provides maximum work. Strong leaders must demonstrate the ability to give direction, the decision maker (decide) and delegating (Delegate).

This means that leaders must firmly give direction to his team and did not give how nice the team. Careful decision-making and there is also firmly in the hands of leaders, and further authorizes the team to run. The biggest mistake was a vacuum in leadership, delaying, and no direction. Therefore, to achieve a targeted, clear work plan, and foster a love and high responsibilities of team work, needed a strong leader character.

To have strong leadership character, team leaders need to understand the character of the work team first, namely:
1. Your team needs to be directed by the leader.
2. The team needs hierarchy.
3. The team needs a clear structure.
4. The team needed clarity in implementing the work plan.
5. The team needed room to grow.
6. The team takes the award (reward) for his achievement.

If you have this, as your leaders do not just desirable, but received an award (respect) from the team. Moreover, if the leader does not stingy you acknowledge and pay tribute to the team performance which gives maximum results. Loyalty and dedication of the team will be rewarded for your ability to lead work teams. Have you (as leader) got respect from the team work?

9. Success Like What You Want?


Everyone has a different perspective about the definition of success. But almost everyone has experienced the same thing, namely, asking himself whether whatever you are running right now is that you're looking for? So what is the final destination that you want to get?

Questions such as these into a form of anxiety that, endless sometimes you become trapped in a routine that does not fully develop your own self let alone be empowered to someone else, Proportion, look at your productivity, or try asking your happy back now? In book Young Entrepreneurial Self, shared tips to find the meaning of success, how can you eventually become more powerful in the world of work or business, and then take you to achieve something.

1. Take time to think: Spend a little time and reflect on what success means to you, and work toward the success you want.

2. Find your version of the definition of success: Do not use the definition of success according to the version of friends, parents, siblings, or other people. Each of them has a call that is not the same as you. Everyone has to start from what you want in life.

3. The focus of compiling a list of what you want: Make a list sharper you want, focus there, and do not fall for a list of things you do not want. For a long list of things that are not desirable, you'll think of more things we do not want than what they really want.

4. Focus your mind on what you want: Think more on what you want. If you can master this, then you can work with passion, not with fear, anxiety, or anything that does not empathize with life. Happiness starts from the love and empathy. If you build a life with passion, the greater success you will achieve.

5. Discover your own potential, and develop: Do not be too cool and shackled with what currently owned, or do today. Start thinking about the potential within you, Recognize signs of potential, namely by working on what you want because that's your potential. So change the mindset of what you have become what you wants.

6. Starting to invest time: Back again, take some time and make time for investments to acquire and discover your own potential and your passion to start now. Find out with a definition first, how to find out more exactly what you want, you should know that if you want to discover your own potential. It takes time, but you will not know if it does not start.

7. Do not ever stop: Potential and your passion is what make your work with full energy and happiness, create excitement, and produces large remuneration happiness. Discover your potential, and never thought to stop before you realize where the location of potential.



10. Creating Revenue and Expenditure Notes


Good financial planning be a sign that you're rich, Rich was just a lot of money, but you still can live with comfort standards (which may already have at this time) the next decades. Form of financial planning can be varied, such as savings or investments. But before choosing which one is better, start with a simple way to make regular records of income and expenditure. This simple step will determine where your money can be useful for you in the future. In the book Successful Financial Planner mention the steps to financial control, namely:

1. Record all income
Write down all the money that went better than regular monthly salaries, business profits, or other sources of income such as bonuses, THR, scholarships and others, Recorded in the financial statements with detailed and easy calculation.

2. Write down your expenses
Control the flow of money to spend each month. Get to know in advance where the cost of certain (fixed) and where costs can be changed (variable). Fixed costs eg mortgage payments, credit motorcycle and others, who already have a written agreement. Variables such as transportation costs each month or the costs can eat a very controlled. Know where excessive costs, if there is a decrease or even eliminate, Make a scale of priority needs as well which is more important and which can be defeated.

3. Calculate residual income
If every record income and expenditure is detailed, you can discover how the rest of your income every month. The result can be positive (surplus); if it is so you can determine whether the funds are used to increase savings or emergency fund as an investment, If the results are negative (deficit) then it's time to seek additional funds to cover it. How:
- Check your monthly expenses or costs, reduce the expenditure to be deferred or even eliminated.
- Look for additional job or business.
- If you've invested, your investment switching to the other instrument that give higher results.
- Reduce your debt.


11. How Human Resources Have Good Quality?



Sometimes, in a company, it often feels there between the walls. Ideally, the human resources or human resources are authorized for this bridge. However, what if it should become part of this bridge is cut good relationship?


Donna Turner, Human Resources practitioners EXPERD, explains, Human Resource Management is actually a process of dealing with various problems on the scope of the employee, employees, workers, managers, and other labor. This management can present to support the activities of the organization or company to achieve its intended purpose.

Part or unit that usually deal with the human resources department, Well, the operational functions of HR management itself becomes the basis of HR management processes efficient and effective in goal achievement of the organization.

A. The existence of operational functions 5
Operational function 5 is divided five parts, namely:
1. Procurement Function
Dealing with the withdrawal process, selection, placement, orientation, and induction to get employees the company needs (the right man in the right place).

2. Function Development
Manage the process of improving technical skills, theoretical, conceptual, and morale of employees through education and training.

3. Compensation Function
The Provision of remuneration to handle direct and indirect form of money or goods to the employee in return service (output) to the company's employees.

4. Function Integration
Regulate activities uniting corporate interests and needs of employees so as to create harmonious cooperation and mutual benefit. The integration is an important and complex in human resource management because it unites two aspirations or interests that could be conflicting between employees and the company.

5. Maintenance Functions
His job taking care of activities to maintain or improve physical condition, mental, and loyalty of employees in order to create long-term relationship. Thus, it can be seen that the HR function not only perform traditional functions of administrative activities, dealing with employee recruitment staffing, Coordinating conducted by the personnel only.


B. Criteria Human Resources Manager
True that HR needs to bridge the employee with the company, according to Human Resource Management integration functions. This process itself is not an easy process. HR is required to understand and accommodate the interests, values, needs and expectations of so many internal or external companies.

Human Resources is also required to work with some units and affiliated institutions without leaving the existing corridor regulations, this company's internal parties such as the employment of different strata and corporate units, as well as the share holder company. While the company externally, such as local environmental conditions, national, global and relevant to the company.

Regarding the criteria of good Human Resources Manager, among others, can manage the human resource management in order to carry out the above 5 functions optimally. Human Resources can be audited by the parties who have authority and capacity audit. However, it would be ideal if the audit conducted by external firms that part more neutral, the need for auditing whether or not Human Resources is able to come from the employees who put the proposal to top management. However, the authority should at least remain audited HR decided by top management.

C. Prove and Consult
If you feel the HR manager is not doing a good job, or even abusing their authority, there is a good idea to put the proposal is supported by objective evidence and rational reasons. That way, you are considered a strong proposal for consideration. Consult your problem with those who understand HR issues and HR management. So, before you go to propose an audit, you are sure that the steps are correct.

Typically, before any formal steps, will be informal steps or mediation between employees and the HR. This can be done through dialogue forum or another forum based on good faith to resolve the issue with both goals for the interests of all parties.

12. Determine Mission to Life More Meaning



A successful woman who nearly entered the age of 80 years, asked his friends, whether he will make a big party to celebrate her birthday. With a smile he replied that he wanted to "earn money" only. That is, in order birthday, he will make fund-raising event. Funds collected will be used to build a laboratory building, dormitory for street children, or similar activities.


In advanced age, he was still thinking about how to build and create something. When asked what the spirit, he commented, "It's simple. My husband's mission had always wanted to help the poor, promote health and education”. It turned out that her husband will power who died many years ago made her aims and able to interpret her life with positive efforts, meaningful and useful.

A psychiatrist, Victor Frankl, conveying the importance of realizing and voiced "purpose of life" of individuals, Not only for his private self, but also for families, children, grandchildren, employees, members of the group and even people, Frankl also stressed that people have full freedom to address the situation. Is it the darkness, challenges, temptations, pleasures, large stones or pebbles, In the end, humans are able to fill her life with "good stuff" or "bad stuff" and made him-self an honorable person or not honorable.


In this modern era, we see more and more individuals believe that happiness comes from material wealth. Many people are not able to distinguish between lawful the permitted no livelihood, enslaved property, forgot the line between need and greed, not even caring to build personal character. Tail-tail, after the wealth in the hands of one, living still feel bitter and meaningless. Many people who already "have everything", but not happy and try to find peace through religious activities-raising efforts are not endless.

However, busyness and challenges constantly present in front of the eyes, it can make us no longer have much time for self reflection. If we want our lives meaning, it seems we have to force myself to pause, rethink, and understand clearly what our life mission.

A. Power of Missions
The question is, can someone run a life without a clear mission? Sometimes a lot of people around us who make decisions without bothering to think long about what he want to accomplish in her life. Many of us do not flog your-self to find answers as to why he behaves in certain situations. For example, parents who divorced because of emotional and angry at your partner, without thinking of her son and daughter. In this situation we can see that the priorities to make their child happy, safe and comfortable not be the basis of a decision, there was a company owner who grew up with his company, then sell it and reap huge profits from the acquisition of the company, once acquired, it no longer looked serious work on enterprise development and to stop investing. Here we might wonder, what the mission of the owner? In this situation, he could still influence the employee to continue to innovate? Would he then be able to answer the collective interests of other stakeholders?


From this situation we can see how someone can lose their way and power is not clear if the mission itself. In leadership situations, the followers will be confused by a leader who is not clear where the team will be taken. In contrast, leaders who have the intellectual mission of subordinates can act decisively, even hard, to his men who are reluctant to learn. My friend, a successful businessman, principled: "Just the company, people, and the industry must move on". Sounds like a tagline, "Onward, never retreat". However, clarity of mission that makes all the employees so do not dare to not forward, active and aggressive in his work.

B. Includes mission
I think we need to go back to realize that the mission is more powerful than just money. The story of Chris Gardner raised his glass to the screen saying: "Your pursuit determines your happiness." We can actually check out, whether at the end of life we'll be saying: "I did what I was created to do. I contributed to this world in a significant manner. "

Every time our actions lead to the achievement of the mission, we must necessarily feel happy and enjoy life more and more to our mission. With a clear mission, we can ward off the temptation is stronger, whether it is wealth, office and facilities. The mission will automatically become a benchmark that makes us become more evident in decisions and actions. Mission can be said like a magnet that prevents us "stay on track".


13. Motivation, Energy Sources at Work


Many people agree that motivation is like a mystery. We too often do not know the full motivation within ourselves. What makes me excited? What makes me jump from my bed in the morning? What makes me happy to do something even though the body tired?


Some of the major theories that address human needs, too often can’t relevant to the motivation of people working in the present. Is it to stimulate the necessary sales "commission wages" alone? Does a salesman had no intention of achievement itself, appreciate him, and loved his work? Is not there among us, people who are eager to do something or to sell products without too much counting on how many rewards that he can? Did not we see that a lot of people, his passion for not waiting for food and clothing, his board enough, to produce works that great? Conversely, we also have the phenomenon in which individuals who earn relatively unmoved even after the target. In other words, stop the physical satisfaction and sense of security only.


Indeed there are people and teams are not concerned to bring an optimal motivation, may not even feel that motivation is important. However, in the situation like now, it's hard to imagine when individuals, teams and companies, rely on physical strength and just think. Creativity and develop value adding impossible if not supported the motivation of individuals within the group or organization. In fact, the value of motivation could be greater influence on the success, than the value of other competencies. Maybe this is why government agencies began to take into account the motivation of civil servants in the development of resources.

A. Grow "Sense of Progress"
A management expert to make a study of 12,000 employees, consisting of manual labor to the executive, He found a sense of progress as the last thing employees want to make progress and achievement than other factors, such as internal support, technical, and team collaboration. Maybe this is also the reason that the service companies that rely on the enthusiasm of employees publicly announce the achievement of its daily sales, so that every employee clearly feel the milestone the company, was developed, roads in place, or a decline.


What about the jobs which considered routine and are difficult to measure its progress? An employee might say, "From year to year, I present the monthly financial report continues. That's my job-that's all "Imagine”, how difficult it is to keep our friends this motivation. And imagine how these people quickly rust and old before his time. For routine jobs, the best way is to give the feeling of our friends is that there is always a learning opportunity. Questions or even the many challenges we can give about his work, so that each individual feels in her learning progress.

B. Grasp "passion"
Often we meet someone who is very confident, but do not look enthusiastic. Talented professionals and skilled might not even excited. My friend was a basketball player with talent, was forced to stop his career as a national player, after finding that the two sides are not equal length legs, Our friends should fall this mentally, it was not so discouraged, even starting his career eventually became a coach. "I never left holding a basketball. Why should I stop? ".

We know that the barriers must be faced by every person and can sometimes drop the mental. However, all individuals have a passion and a strong interest to a particular substance, he could always find a way to burn continually enthusiasm, and did not stop working.

Our friend was also added, "Focus on your-self should not be too much, because this situation makes us unable to pay attention and work for other people around us." Yes, how could we get the best performance, if we aim purely for the sake of Personal? With the expanding interest and concern at the situation around us and the needs of others, the source of our energy would continue to fill, and even increased.

C. Motivation is dynamic
Lazy people who we often refer to as people who do not have the motivation. With such extreme views, we seemed to have a heavy burden if given the task to instill motivation in a person or a team. Conversely, if we imagine that the motivation is like a source of energy in our body, we can see that the motivation will always be there inside each person. Some people are strong sources of energy, there is a weak energy source, some people are able to consistently maintain a high energy source, but there is also a graph of energy up and down.

This is the "magic" is that the powerful energy of a person can be contagious to others. We know that air of excitement from a leader like viruses that can spread quickly, making others feel light in the work, even making the team a strong desire to break and encourage creative problem-solving.

So, really not hard to also bring the organization on motivational atmosphere, By enjoying our work, see the power of positive thinking team, invite your friends to always think ahead, surely the team will change weather and could soon lift the energy of other people around us too.

Motivation is dynamic, flowing, and moving. The challenge did not have sought if we are accustomed to communicating effectively, so that criticism and evaluation may continue to enter. As so often we read: "Motivation requires a delicate balance of communication, structure, and incentives".


14. Small Tricks for More Savings


When his end of the month when you get a salary from the company, so first you would divide your salary to pay for more important things and sometimes you get confused if you earn a salary that was not enough to cover its needs of others. Such conditions are common when you find it difficult to save. How to fix bad habits in managing finances? By "fooling" your consumer lives, the answer. However, you must know the tricks. There were plans before the money into the account that you can do to suppress the desire to shop. The following include:

A. Stop Trying Hard Savings
Promise yourself that you will become a better person in the savings and will try harder not be enough. Try to come to the bank and asked to be given the knowledge of the automatic transfer of money to save. Research shows that the less effort needs to be done, the more likely for someone to save.

A study conducted by the University of Chicago showed that employees who enrolled in retirement savings plans to move some money from savings automatically have followers twice as much. It turned out, went to the bank to save or to an ATM to transfer the savings is a burden for most people. You can follow term savings program that has had many famous banks. This type will set aside some money to be saved or used in an investment for flower.

B. Use Cash
The main idea is, you can only use cash, not credit cards. This way, you will spend money more wisely. A study conducted by researchers from MIT found that people are more willing to pay an item or service that costs twice as much if you use a credit card. However, if you must pay with cash, they will reject or seek less expensive. Some researchers call this phenomenon as the effect of Monopoly money. That is, because you do not "play" with cash or a native, spending money there was no consequence. So, simply use a credit card to pay for the purchase of goods or services that are big and really need, do not forget to customize it with the ability to pay installments.

C. "Mood" A mess? Stay at Home
In one study, researchers from Harvard and Carnegie Mellon confirmed that we tend to spend more money when you're not in the mood or being sad. In this study, respondents were divided into 2 groups. The first group was asked to watch sad movies about a dying father. The second group, were asked to watch boring documentaries. The first group was willing to buy a drink that cost could reach the 20,000-per glass, while the second group averaged only wants to spend money to drink around 5000. So, you do not spend unnecessary money, should solve problems or mood sad mess at home rather than go bankrupt.


15. Fear Change Failed So Strength


They say that failure is success delayed. How to be ready to accept failure without a break of charcoal? If you often read biographies of famous people, you must know that the life of the great figures of the world as beautiful as a fairy not tale. Before achieving success, there is first a series of bitter failures they experience.

Often, however, to achieve success, we more often struggled with negative thoughts aka afraid to fail. So, how best to get rid of fear of failure? As well as stress, fear of failure may actually be seen as a potential that even help us complete the task as quickly as possible. "In a good level, anxiety can actually motivate us to analyze the factors of barriers and develop strategies to deal with. The following steps can help you control your anxiety and it becomes power conjure it:

1. Be Realistic
The demand to always provide excellent results usually causes you to hesitate to act. Being realistic is better than you are always trying to be perfect.

2. Overtaking Ratio
Make a list of things that worry you. After that, take the time to plan so you can anticipate crossing points in the list one by one. If the list has been eliminated, but the fear still persists, be aware that this fear arises for reasons that do not make sense.

3. Do not rely on Praise
Support and praise from other people's motivation can be a powerful shot. However, be careful so you do not even become dependent on the recognition of others. Instead, give a gift to myself each time managed to reach the target.

4. Think Bad Experience as Practice
Every person has a certain level of resilience in facing trials. More often suffered a bad experience, the more resistance he faced pressure also next. No need to heartbreak when failed, because it actually makes you more resilient when attacked the problem.

5. Do not confusing Failure
Failure in a case that does not mean you automatically will fail in other areas. Remember, failure is not a contagious disease.


16. Make a Mental Block Stagnant Career?


Were satisfied with the condition can be significantly negative, especially if it turns out that satisfaction holding ourselves to grow. Comfort zone with a stagnant career is considered more secure. This is a sign, so the mental block was under control. Career will not grow further if one has not been able to overcome the mental block in her.

If an employee is offered the opportunity to occupy new positions more challenging example, and he declined because the current comfort zone, there is a mental block in her. Someone experiencing a mental blocked or not can be seen from the way he thought and looked at the problem.

Someone who is open and cheerful usually better able to develop themselves. Meanwhile, a quiet person, introverted, vengeful, save the old problem of the past, tend to have a mental block in her.


Mental block has to be fought in one's own self. That means, no matter how you assisted by others, but if there is no awareness of self to destroy the mental block, it will be useless. Make ourselves more open and dare to grow is to let go of the mental block, like the following trick:

1. Coaching communication
Communication skills to be one of the ways that you can apply, the way he took an individual to communicate are able to build courage. In this way, a person to express concern over her began to turn to the introduction of inner strength. Communications practice also means taking an individual to be frank, by having an open character, the courage to tell the truth, one can better known what you want in life.

2. Reducing the burden of the past
Focusing attention on what has happened in the past will only make the energy drained. Because, a person tends to be dominated worry unpleasant experiences in the past. The inability of the past off then inhibits a person to develop him-self. As a result, a person becomes vengeful from bitter experience that had ever happened.

3. Acceptance of self and others
The ability to accept others helps a person to be more open. Communication difficulties are also influenced by this factor. Someone will be difficult to train if not open communication with others. By acknowledging the existence of a different character, one can let go of the mental block and build the courage to face the problem.

4. Honest with anyone who believed
If returned to the business communication skills, honesty is an important factor. Honestly admitted what was not liked and / or what is most desirable in your career and life can help overcome the problem. Of course, being honest does not necessarily go on sale to anyone. Being honest with people who believed, could help someone removed the mental block of self.

17. Fear Can Be Strength


Often the fear of defeat, and we make it difficult even to make a decision. Want to change professions, worried missteps. Have the potential to scale the career, worried the wrong guess. Afraid, be the reason; or actually you are pampered in the comfort zone? In the self-sabotage tends to close the self-development opportunities. As an illustration, you can potentially worth billions, but you survive with the condition currently valued at 100 million, for example.

"Become dangerous when a neutral person or the status quo. And 90 percent of people are in a neutral position, not daring to act and survive with a sense of security and comfort. Emphasized that the fear or fear to make someone not able to grow and progress. Fear becomes imperfect, is not accepted, failed, the character.

The pattern is formed subconscious self-sabotage, and closed all the possibilities for growth. Simply put, if you want to develop your-self first destroy sabotage in you. "Fear can be a force to turn it into confidence (faith), enthusiasm, actions and then produce (result).

How to create a balance to the right and left brain will then help you overcome fear? At least starting from the first stage, then, fight bad habits in everyday life. Program yourself with positive things to write record and affirm. This is a personal therapy that can change your bad habits, the so-called mental block. Changes of this kind of mindset will help someone in make choices in life.


18. Insurance Choosing Carefully


Life insurance to be one important requirement related to financial planning. In recent years, unit-linked products, including life insurance category grew and gave a lot of offers. Should carefully before investing who have had this protection.

Choose products that provide space for customers to adapt to the needs and abilities. There are desirable products, because only by setting aside money little by little in a day, you can pay a premium for the protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.


For example, changing the investment benefits, in this case raises, reduce, or even eliminate the benefits of protection according to the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed benefits.

It should be representative of insurance products and adapt to the needs of customers. "Customers should be involved in managing finances. The old model, the financial institutions to act unilaterally in the ownership of the product is no longer relevant to see the present conditions.

To ensure the product is safe, thorough financial institutions are also the product issuer. This can be seen from the professionalism of insurance agents. Ask if the agent has a certification from the Association of Life Insurance, Could also recognize the company's performance by measuring against the insurance industry recognition, Award of a number of economic media company's performance, even the recognition of the world need to be taken into account.

Meanwhile, financial planners will say that should select a pure life insurance. That means there are no payments from insurance companies for customers is still alive for the protection of certain diseases, which can be claimed by the publisher of unit-linked products. Means pure life insurance payment is made if the customer dies.


It is recognized that many of the facilities provided by the investors if they have a link unit. But the benefits can be obtained relatively small. Admittedly, the products in this advanced category can be very good for investment protection, But not necessarily compatible with each person.

Recommended people with higher incomes should choose other investment products. Investment products such as gold or precious metal deposits more appropriate. However, this option remains be returned to your needs, short, medium, long and risky. We recommend that you select insurance products in more detail before discussing the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell" products.


19. Social Media Brings New Revolution in Business



In the 1960s, John F. Kennedy was able to become President of the United States in a relatively young age, because it can take advantage of the presence of television media, which is kind of new communications media at the time. In 2008, Barack H. Obama could also be a U.S. president in a relatively young age, as well able to leverage existing media technologies emerging today are known as social media like Facebook, Twitter, YouTube, hi5 and so on, In fact, often said that if no Internet or social media as it has evolved today, Obama would not be able to become President of the United States, even to just get away from the Democratic nomination. The greatness of social media in raising the popularity of a person has been proven. If someone can be president because of the help of social media, it is also possible in the future a president could fall because of information derived from social media.


It is believed that almost every new technological developments from the discovery of the steam engine to the Internet, always able to change existing business processes, the development of business processes affected by rapid technological developments of his time. This book is about to give you an idea, how social media is the development of information technology is relatively new potentially lead to revolution or major changes in business processes in the present and future, A development that must be observed by business people to remain able to grow and expand in a business nature that could very quickly change this, The author of this book, Erik Qualman call economic development based on social media development Socialnomics terms. Therefore, the economic wheels turning now determined by the amount of activity of human relationships (people driven economy). The more rapid and human relations, the faster the motion the economic wheels turning, Now, it activities between the parties to move faster and broad as the help of a network formed by social media is growing very rapidly.


Since the first of the most effective communication is the type of communication conducted through word of mouth, with the help of social media technology, network information from mouth to mouth do not have to again face to face. By using Facebook, Twitter, hi5 and many other social media, we can communicate through word of mouth faster and broader scope of its spread. With social media, we can relate to others more quickly. The world seemed to be getting smaller. Can be said, if the past is no communication from mouth to mouth, it is now the world is in our words (world of mouth). The world is filled with words that came out of social media users who exchange information and a variety of interplay with one another.


As more and more people who share using social media, then a brand or company could be strengthened or destroyed by using this social media, an individual who previously did not mean anything, could be a threat to big companies if they are not careful. Public opinion is formed through social media networks, was able to defeat advertising or public communications made by company. People have more faith in the opinion given by a friend than the information released by the company. Companies can’t control everything that passed on the information in this social media.


In this information age of information overflow that occurs upon the various parties. Too much information is present hit us every time. Various media have been bombarding us with various information that may be mostly we do not really need. The ability to sort good information has become a challenge. With social media, one can avoid the occurrence of powerlessness to digest the information (information indigestion). Similarly, with social media, we can sort out what information we need and which side we are able to communicate. More specific information and the parties involved with the exchange of this information also can be more specific, a network of friends who formed through social media. For example, if our fans and work in the automotive, networking and friendships that form information can we restrict only on the information and friendship related to automotive problems. Thus the network and the information we can get more focus and depth. Flooded with information we can restrict to only present information that is relevant to us.


We have entered a new era. Previously, the information came from a few people and then distributed to many people, so that the production of information can be an elitist thing, but now the information from many people moving to more people. Each person can produce and distribute information to multiple parties without limit. Real impact of this has resulted in many business magazines or newspapers are forced to redesign business processes and their products. Presence of social media has led to a circulation of traditional mass media continue to decline significantly. Many newspapers and magazines went from just reporting the news, a particular event analyzed in more depth. This of course led to the mass media need to recruit experts who have a deeper knowledge, in order to provide appropriate analysis and correct for certain events.


Business processes in the form of the relationship between the company and its customers has also changed. Official information from the company can be defeated by the information presented or circulated in the network formed friendships through social media is used. This is reasonable, because generally you will have more faith in the information provided by friends or your neighbors, rather than the official information from the government or companies about certain things. This needs to watch out for any negative rumors can easily move more rapidly and in a very massive scale. Social media can disseminate information in various formats either writing, sound, images and video, so that the resulting impact could be bigger too.


In the future customers will rely more on social media to seek information or recommendations on products / services to certain of their consumption than traditional media. Consumers would be easier to get the product / service quality by using social media, Companies can also more directly related to its customers. Happened here the intermediation process, where the role of intermediaries in the relationship between the company and its customers increasingly marginalized. With the growing social media, not only among businesses, governments also need to use social media to facilitate the process of government. By using social media, then there are obstacles that can smoothly.


20. Comparing with the Results of Provocation Feedback


Marketing is often viewed as the front guard company. This fits with the main function of marketing is revealed Peter Drucker: creating customer. To carry out this role, ready to spread their marketing "bait-bait" to capture the customer. Of course budget is needed here is not a little, such as advertising or promotion.


This is where accountability becomes an important element. Owners or investors do not expect marketers to spend money just like that. Ideally, every dollar out of pocket marketing must be accountable. This means that every marketing activity should bring the yield (return). This is where the need for measurement. As it is the phrase, "You can’t Evaluate performance, unless you can measure it". Thus, there is need for setting the standard size.


Argued, that marketing is not only struggling with the 4Ps (product, price, place and promotion), but that is more critical with the P-5, profit. Profit elements require attention as marketing accountability. Understandably, marketers often rely on intuition only. Some longer argue that marketing is the art (art), without the need to measure the results. Because there is no size, marketing of action could be just "a waste of ammo". In fact, the size is useful to determine the level of efficiency and effectiveness of a marketing activity.


In fact, this book shows the influence of advertising on car sales. According to TNS Media survey, BIG Research, and Booz & Co. (2007), the portion of the car company's ad spending in the United States is the largest television (64%), followed by magazines (19%), Internet (6%), newspapers (6 %), radio (3%) and outer space (2%). How did it go? The same research shows the percentage of the purchase of a car under the influence of television advertising is only 23%. Next magazine actually contribute 23%, Internet 11%, 21% newspapers, radio 8%, and 14% outside the room. When compared, there is a discrepancy that should be serving marketers. This is what marketers should be accountability.


To measure the yield on marketing activities, this book proposes the Return on Investment (ROI) of marketing. Return on Investment is a measure of investment returns in the financial world famous. How measuring ROI for event marketing? Quite simple, like comparing the cost of bait to lure the results, the calculation is done by first measuring the incremental (rise / fall) benefits during the event variable. No other variable profits selling price minus cost of goods sold multiplied by the number of goods. Incremental benefits of this variable and reduced cost event. Next to last, divide this number by the cost of event to get ROI figures in percent. Calculation formula is quite simple and rational. From this ROI, we can see how the return on each event marketing.


In the four pillars decomposes to manage marketing profitability. The first pillar, data analysis, which examined marketers due to incremental sales events that run, Marketers need data about the benefits of variable to measure the ROI. The second pillar, supporting the decision, which is useful for spreading the results of the analysis have knowledge to marketing sections. The third pillar, the process, which integrates the analysis and support management decisions in marketing. More specifically, this third pillar includes goal-setting, planning, implementation and analysis of the results of the implementation, Last or fourth pillar, harmony with the organization, namely the need for support organizations to maintain and develop the ROI for marketing.


ROI discussion is suitable for measuring marketing event that got a response as soon as the purchase discount, promo gifts, sampling or activities Below the Line (BTL). However, it was difficult for the ad. Why? Different from BTL, advertising does not make consumers respond immediately. Advertising effects are cumulative and can affect a few moments later after the ad went by. This is what underlies some of the books are not only used as a measure ROI.



Call book entitled Measuring Marketing: 103 Key Metrics Every Marketer Needs by John Davis. Return on Investment In addition, Davis's book is also added measure brand recall, brand recognition, advertising awareness, churn rate, and others. Indeed these measures are not directly related to profit as ROI. However, this measure can be used as a standard assessment of marketing activities before emptying into profit.



Apart from these minor shortcomings, this is very useful to realize the importance of measuring the results of each marketing activity. Thus, marketing managers can and should be accountable for their activities objectively. This is useful because in practice - even in big companies though - marketing is often only run every activity like a ritual. Necessary efforts to encourage the measurement, Measurement results are imperative! Once again, Return on Investment approach to marketing is simple, but worth calculated. Therefore, from now on you can start and grow a culture of measuring the results of marketing activities in your company.


21. In order for Sustainable Social Enterprise



Managing the social enterprise business entity can’t be equated with managing the company in general. It takes some tips to get sustainable growth.


Social entrepreneurs will bear the social enterprise as a result of their activities. However, the corporation that develops corporate social entrepreneurship, which transforms the spirit of his efforts for social could give birth the traditional entrepreneurs (entrepreneurs who are also profit driven) which has a common enterprise. There is a difference?


Of course, though both are equally potentially overcome social problems. Building a social enterprise will not be as easy to manage common enterprise. Understandably, the last category, only one aspect of the chase: profits. In addition, the parties involved or engaged in any business decision a little more, mainly just shareholders, whether individual or specific legal entities. Social enterprise is different: not just a profit motive, its shareholders can be very many, beneficiary (beneficiaries) can also more. As a result, to develop long-term (grow and sustain) really need to harmonize the ability of many elements.


However, that does not mean there's no way in that direction. An expert in the field of management and entrepreneurship shows that the application of good social enterprise can be seen from what is done by a banker. With the cooperation of partnership that can build a community to grow together. "Social enterprise is a business to run properly, but still has a social responsibility. Not just for the-for money, there is an important principle that can be explained that, the social enterprise should do "something" that sustainable businesses associated with them.


Then, in order to be sustainable, social enterprise needs to be done systematically. The stages run well, ranging from business partners to search for guidance and supervision in the implementation. As the examples Youth Entrepreneurial Program Independent searches starting from superior seedlings from campus, then be guided.


Connecting the opinion that, in essence, in order to grow the social enterprise and sustainable, need to maintain a competitive business and companies can’t be separated from social responsibility, "Doing social driven strategy that did differentiate the company from competitors that create competitive advantage. If it is a farm program, farmers must be benefit produce quality products and competitive in the marketplace, In other words don’t just more concern the social elements, but also be firm in holding business principles. If not, once again, would not be sustainable. This means, though social mission, the business aspect should be managed properly. If not good at managing the business, then what will be given to beneficiaries?


The principle was also executed very well by a number of social enterprise is successful. At least there are three key factors in the implementation of social enterprise. First, the main stakeholders, shareholders, should be able to properly direct the social enterprise. Second, executives are committed to translate the strategic form. Third, look for people who have social intelligence. "Not just smart business, but also have a high social life. This is of course true because the people that are then expected to become the locomotive of progress that brought the group compartment. Social development is a complex enterprise in both the conduct of social investment, technical investment and business investment.


Investment in social sectors such as by making public institutions or cooperatives, including creating rules, then, investment in the technical field by teaching people how to better land management. Finally, investment in the business, such as helping to find markets and create business plans together to source funding.


Key to success in social enterprise is expected to be a joint ownership and the benefits were shared. This is called social conglomeration, the combination of social investment, technical investment and business investment. According to him, from the process, in order to succeed, social investment should be built first. Indeed, in order to be successful, social enterprises need the support the macro, from policy makers and economic environment. Not solely from internal perpetrators.


22. Being Tough Digitalpreneur


Technology development and people's lifestyles today are quite ideal for the growth of various Information Technology business, However, it was not easy to be entrepreneurs capable of Information Technology develops and lasting through the time vortex. What should be aware?


Gait two companions Sergey Brin, Larry Page who gave birth to Google, and that led to Mark Zuckerberg Facebook, seems able to inspire the emergence of new generation worldwide digitalpreneur. Like Google and Facebook, the new generation is born thanks to digitalpreneur their inspiration, as well as the development of the world are riding the Internet is growing rapidly, and one more thing: a lot of capital hobby. "Businesses like this usually are aligned with personal hobbies or group of people, usually small initial capital the number of computers, software, Internet access and creative resources.


Digitalpreneur initial wave generation had taken part as festive- Euphoria in the United States - in late 1990 to early 2000. However, as time went after the outbreak of dotcom bubble, which left very little. Later, in line with the rapid number of mobile users (including the BlackBerry service user triggered), the more the low cost Internet access (including mobile access), and widespread media technology / social networking, emerging new generation digitalpreneur too, Business models previously unthinkable is now emerging. Perpetrators are not only deep pockets of capital owners, but also entrepreneurs and fans in IT (ICT).


"To start a business in the area of ICT is relatively easy. The reason, in various types of IT business models or whatever, is the main driving engine of creativity. However, the larger the company, the greater the complexity of operations, ranging from the financial aspects, marketing, production, human resources and so on, However, it is difficult to develop. Not all people who understand start smoothly, "Initially can be started with an inventory of knowledge, skills and experience as a principal of ICT. That's why digital business often starts from the expertise and hobbies a person. The next step, mental preparation, team work, and business plans.


In the context of a business plan is to realize that the business world can Tekhnology information hit actually was quite extensive. "Because that's large enough we have to first determine the opportunities and segments that we want to shoot. To see the opportunity, by the way you and your work team is to read the trend. In this case, you can see the trend that demands for transparency in public service. Reading opportunities and market demand can also be done by collecting the relevant data are valid and analyze in depth.


If the opportunity is readable and clear target market, the following should be considered is the product (including services). Course must be in accordance with market needs (users). With easy to realize not to mention it, Acknowledged that the difficult and long time required to open the software industry, aka bulk packaged software


In the market, it is usually the product will compete with other similar products from competitors. Therefore, the product was launched as far as possible have a unique and clear differentiation. The uniqueness that must have added value and differentiation is not necessarily something totally new. It could be something that already exists, but it could be better, cheaper and faster available.


If the product is software or IT services, providers should be able to guarantee a high service level, For example, includes a good technical support, fast response time and post-sale collateral. The product must have the full features and easy to use, good documentation system, easy to repair the system (eg due to a bug), easy to adapt / connect with other systems, and flexible to face the change (or technology needs), "In short, in accordance with international quality and competitive price.


All the entrepreneur and Information Technology observers seem to agree, that to be a tough and digitalpreneur great (great) need a combination of expertise in technology and business skills. They must be able to balance technical and nontechnical skills, and must be able to learn very quickly the company's operational side such as marketing. It was suggested, if the system is up companies, management should be handed over to the manager (professional executive) who can become an example, so that the digitalpreneur it can focus on innovation and value-added products. Do not ignore the operational aspects of the company. If you do not have these skills, you should leave it to professional experts.

This was exemplified by Sergey Brin and Larry Page a candidate in the field of technology, but decided recruited Eric Schmidt to run Google's operations to be great as now. Or, in Apple Inc., Steve Jobs a candidate in the field of innovation and business, collaborate nicely with Steve Wozniak a more professional in the field of technology.

Of course, to be tough and great digitalpreneur, other capital needs of a good personal character as well. Most important, among them: to learn continuously (because of technology and evolving user needs), persistently and consistently, work effectively and efficiently, not easy to give up, and visionary thinking. Anyway, everything should be fully-installed.


23. Excluding a Solution to Save Money Shopping


Have you ever intended to saving money but always found it difficult to run it? Do you feel you have enough income, but never could save on a regular basis? Do you have to set aside some funds for savings, but eventually abandoned funds and save any intention to fail? If you answered yes to one of the questions above, then you need to listen to the following trick below.

Saving regularly challenge for everyone, Many people who have a large enough income, but difficult to set aside money to save, while there are those who earn relatively small but capable of setting aside some money for savings, if you are a housewife who received a monthly ration of spending money (in one delivery) from the husband. So far, the monthly money spent. How to divide the budget so that you have the money to be saved?


Are ration spending money from the husband was just enough for household shopping needs of everyday life, or is there a significant advantage? If it is a mediocre, you would be hard put aside for savings. For that, you should discuss with their husbands if they want to be saved. If the monthly ration is always there is an excess, this can be trick. Make a shopping list of 'must' for the household, and the budget park in your savings. The rest, you can invest in short-term investment instruments and the long term.


Some of the money invested into short-term investment instruments (bank deposits or money market funds), could be liquidated quickly in case of emergency. Some more, the instrument can be invested into the medium or long term (fixed-income mutual funds, mutual funds or stocks mixed), these types of instruments that can provide higher revenue potential in the long run. Here is an easy way for you to get used to saving money:

1. As soon as you receive savings Income
Yes, once you pay, receive commissions, receive honorarium or any form of your income, immediately set aside some for savings, this way you avoid the delay and ensure that savings as a priority.

2. Separate your spending account with a savings account
In order to save money to run effectively and you can monitor the development, separate spending account with a savings account. Savings account you can make in the same bank, so do not have to pay transfer fees to save money. I also suggest to not making an ATM card for your savings account, Thus, the money that has entered the savings will not be easily retrieved, so you avoid temptation and spend the money that has painstakingly saved. Do not combine a savings account with a spending account for your confusion will result in how much is already saved and how much should be spent.

3. Determine the amount of money you want to save
Based on your current income, determine the fair value of the savings that you can do. As a guide number is 10% minimum which means you set aside some for savings. If you are still single and have no other expenses are large enough. This percentage can be increased up to 30% or even 40% of salary. With the other remaining 60% you will still be able to finance the needs of regular and a bit of fun with your income. In personal financial planning, create a budget for regular savings and do an orderly.

4. Think of saving as an expense and forget
Once you determine the amount of money you want to save every month, then consider this amount as an expenditure required each month and after soon forget after you do it. Mentally when considers savings as expenses then you will be able to do with the orderly and routine as a duty. By forgetting that you have saved will avoid you think that there are excess funds in the savings that can be used for various purposes.

5. Set your budget and any excess tube at the end of the month
If you are applying formulation monthly budget, then at the end of the month check your budget. If there are excess funds, then the excess is stored as additional savings for the current month.

6. Gradually increase the percentage of money you would save
Once you get used to the pattern of regular saving, then you can increase the percentage of the value of savings income such as from 10% to 20%, 30% and so on. This will further increase the amount of savings and make your people more efficient.

7. Do not ever count on saving money "if there remains"
If you rely on money from the income remaining after use various needs for savings, it's likely there will be no rest. If anything, it is usually very small amounts and not comparable to your earnings.

Thus saving some easy ways you can do. Error in saving a lot of people are relying on the remaining funds left for later saved if still remaining. Believe me, if you do it this way, there will never be the rest of the remaining money can be saved and you will never start saving, The temptation to use and spend money so great that it needs a strong determination to save the future, as soon as you earn money.


24. Ways of Addressing Global Financial Condition


The impact of global financial crisis became bolder felt in the financial system in the country. But do not be afraid, please keep investing. However, the rational action is necessary. Do not forget to also understand the product characteristics that will be used.

There are special tips provided in response to global financial conditions. The main thing is attention to the risks that are not only appear on the product itself, but also considering the external risks of a country's financial system is now no longer stand alone but is integrated with financial systems of other countries globally. Here are tips to consider potential investors:

A. Risk Investing
1. Inherent risks
Each product has to offer bank, including banking products has advantages and limitations of each. These products in addition to promising results of certain benefits, also contains inherent risks, which need to understand the characteristics of the product before use.

Please note, not all banks offer products pure bank products, Pure banking products, for example, savings, current accounts, deposits and financing. Meanwhile, mutual funds and banc assurance products are investment and insurance products issued by other financial institutions, and marketed through the bank as a sales agent (selling agent). As a sales agent, the bank is not responsible performance or Mutual funds and banc assurance products are.


Inherent risks savings, current accounts, deposits, for example, the possibility of withdrawal difficulties or withdrawal of funds if there are problems with the bank which held the funds. Risks inherent in other products such as mutual funds, reduction in Net Asset Value (NAV)-based mutual fund shares because the stock price declines for the mutual fund portfolio is.

2. External Risks
Apart from the inherent risks, each product also has influenced the risk of external economic conditions domestically and abroad, as well as the psychological condition of the community. External risks, among others can be derived from:
- The movement of stock price index.
- The movement of currency exchange rates.
- The movement of interest rates.
- The financial crisis in other countries.
- The level of public trust in the financial condition.
- The level of public trust in political stability.
- Rumors are growing

B. Reduce Risk
Before using the products the bank offered, it is useful to understand the risks that may arise and know how to reduce that risk. The Government has provided a means to reduce the risk of savings products, deposits and deposits through guarantor Savings Institution. One of the conditions guaranteeing an interest rate of LPS is money applied in accordance with defined Guarantor Savings Institution.

For mutual funds and banc-assurance products, need to understand the risks carefully and consider whether the amount of risk that the product in accordance with the expected. As a prospective investor, you are entitled to ask for an explanation of the bank's terms and conditions apply regarding investment products that will be used. Of particular interest in saving money and investing:
- Remember, each type of savings and investments that give high yield generally have a high risk as well.
- Get familiar with both the financial institution where you save or invest your money.
- Know and understand all the risks inherent in financial products that you use for each type of savings and investment must contain risk.
- Customize the type of savings and investment with the level of risk you can accept.
- Be rational in the face of the investment offering that provides a high yield in a short time.