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III. Mamih Chettya Business & Financial



11/03/2010



1. Set the Pension Fund Since the Beginning


If you are currently aged 25 years and only 2 years working in private companies, you are also very necessary to have retirement savings. What product is best if you want to allocate funds for retirement? Pension funds are long-term investment. The most early and more funds are set aside, will be better. You can start setting aside 5% of total income each month for retirement funds, After 6-9 months you should try to raised to 10% then 15% and so on, In order not to feel a big cut abruptly, did increase gradually.


We have quite a lot of options with minus and plus. Regular savings and deposits, highly liquid (can be liquidated easily and relatively short period of time), but relatively low rates of return. Meanwhile, mutual funds or unit-link may be the more suitable investment. Species also vary. There are based money market instruments, bonds, stocks and the mixture. So that investment choices can be matched to your profile as an investor. Was very liquid in nature because the investment can be changed or funds can be disbursed within a matter of days. How about the Risks? Clearly there is, however different levels, depending on the investment instrument.


2. Investment Percentage



If you already have some investment instruments, including deposits, mutual funds, land, insurance, education and health insurance. How should you determine the percentage of each order to get the optimum benefits?

To get optimum benefit, the key is not what percentage of a particular instrument, but what kind of investments that best fit the profile and your financial condition. Investor's risk profile can vary, from very conservative to very aggressive, Broadly speaking, the more aggressive profile of an investor, the more diverse types of investments that can be selected, which fluctuates from low to very high.


The level of investment risk is also in line with the potential level of income. If the financial condition, the things that need to be considered is the type of money invested. Is your money for short-term (under 1 year), medium term (1-3 years), or long-term (over 3 years), After the combination of the risk profile and analysis of your financial condition as an investor, then the investment portfolio can be selected based on economic conditions and the investment world forward.

A. Deal with Investment Risks
This way your stock investments to get the optimum return for the long term:
1. Investments on a regular basis.
2. Invest in stocks is good.
3. Invest your funds are unemployed or 'idle'.
4. Focus on long-term investment.

B. Investment Business Opportunities
Inspired by the success of my friends, then there is some trick of success in running any business, which you must continue to learn and committed. Learn as much about insurance products and investment products that need to be mastered, as well as related matters such as taxation, investment management, and so on. The more you have a thorough knowledge about the products will be sold and the financial industry in general, you will be far more knowledgeable and credible than other agents.

In addition, you also must have a high commitment, discipline of time, and the ability to search for potential relationships. And, since you will sell this product to individual relationships, you need to build a broad social network. The more people you know, the greater your chances for a client. In other words, your chances of success even greater!

C. External Factors Affecting Value of Shares
In terms of investment, you also need to know about what are the external factors that can affect the value of stocks? Shares are always considered as high-risk instruments. That's because many factors can affect a stock's own performance, both domestic and regional factors or global, Examples of domestic factors is the rate of inflation, interest rates, Indonesia's economic growth, currency stability, foreign exchange reserves, political stability and regulations in various sectors. While examples of regional or global factor is the world oil price, interest rate another country (eg U.S. interest rates), inflation and world economic growth rates, and so on. In addition to fundamental factors mentioned, do not forget that technical factors (supply vs. demand ratio, the level of liquidity of the stock market) are also a very important role in the upheavals of the stock price.

3. Risk Investment House


Basically every investment there is always a risk factor. Are investment properties or homes are also at risk? What are the risks? It is true that all types of investments have risks, the types and different levels. For property investment, there are 3 most important things that must be considered, namely location, location, and location. Absolutely, location plays a very important role for investment property.

Poor location or lack of availability of remote and access, for example, makes the property invested so hard to sell. This so-called liquidity risk, Investment property also has a physical risk, such as damage to buildings.


In addition, property investments also depends on the type of property that are invested; whether commercial property (units in the mall) or residential property (houses or apartments), which each have different risks. Commercial property is more dependent on the tenant. The better the quality of the building or mall tenants, the lower your risk. While residential property is highly dependent on the location and surrounding facilities, such as schools, hospitals, and so on. The more complete and comfortable assessed as residential areas, the lower the risk too.


4. Investing via the Internet



When one a friend invites you to try to investment services via the Internet an international scale, one thing you need to think about is "Is it safe to buy investment products through the internet like that?" Now this is more and more investment products via the Internet that promises a high level of income, but many end up with a story of sorts. Often heard the news, this product does not provide the promised income, or even not a few investors who eventually lost his initial investment principal.

In terms of security, the more important fact into account is not the way on transaction, but what's the investment product. For that, you need to know who the company behind the product, how to work and the investment strategies adopted by the product and how the legal protection when thing happen that are less desirable.

It is also important to know how your communication channels with the company, especially if the product came from outside Indonesia. To reduce the risk to a minimum 'fall', do in-depth research. Do not forget to ask lots of questions to various trustworthy sources before taking a final decision.


5. Avoid the Right Way Yourself from Investment Fraud



Height of the investment fraud cases by non-bank companies that occurred recently, then you must take many steps that you avoid the incident. Then you think, where invest a safe? First, you must understand that every investment must contain risk. In fact, no single type of investment that is guaranteed 100% safe, However, a prudent investor would look at the type and level of risk of investment products to choose from Investment offered to non-bank companies, before investing you need to look around the investment company and investment products it offers.


For company information, ask about background, ownership, management, and the main activities of the company, you also need to know about the total fund management company Philosophy, processes and ways of investment management adopted by the company, the parties are working together with companies, regulators who monitor the activities of the company.


For the product being offered, learn and ask: how long the product is up, the workings of the product, both in the technical management and transactions with investors; level of income has ever produced, the total fund in the product, and by whom it is product stewardship. If critical to ask these things, you more easily if there detect irregularities in the company or product. Nothing wrong with your strengthen the analysis by asking about the company and the products of interest to those who you think is better understood.


6. Land Investment



If you and your husband want to switch investments from deposits to investments of land, you are really thinking? The factors you need to look at is the first time, you must understand that investment in the form of deposits is very different than the land investment. In its investments in highly liquid deposits, which can be liquidated at maturity, which depends on the maturity, can be 1, 3, 6, or 12 months. In addition, there are also daily deposits often called on-call deposits. The ease in disbursement is what makes deposits are usually low interest rates.



In a land investment, if done carefully, can provide benefits far greater than bank deposits. However, in terms of liquidity, investment, land is not as liquid deposits. Results of new land investments can be enjoyed significant success if the land is sold to another party at a price above the price when you buy the land. Apart from liquidity problems, you also need to consider the various costs and other deductions related to your investments. For deposits, for example, there is the cost of stamp duty and tax cuts. Land for investment, and taxes other than stamp duty, there is also a notary fees, sometimes there is also the agent or broker's fee land.


Before taking the decision to transfer the deposit to the ground, you need to look first pot of money that you plan to invest. If only for the short term and any time you want to melt, it is better to remain on deposit. However, if you already have funds for emergency needs, investment land for long-term you can try. Of course, you first need to analyze the prospects of land you want to buy and also learn all the cost components in order to provide maximum benefit.


7. Stocks for Beginners



Broadly speaking, there are two ways to invest in stocks. The first is to open accounts at brokerage firms (broker the sale of shares) listed on the Stock Exchange. Documents needed to open the account with the document to open a savings or checking account at the bank. Account that allows you to make transactions of shares you choose, the execution is carried out by the broker.

Despite the relatively low transaction costs, constraints laymen in stock investing this way is the selection of its shares, because access to information and analysis of hundreds of ordinary people who sold shares of course very limited. It's not impossible to stock selection is not optimal stock investment results were not encouraging.


Another way is through a mutual fund shares. This instrument was launched and managed by the investment manager, Investment managers would have expected more comprehensive information and the latest so that the selection of stocks that should be more optimally managed, so today many banks that act as sales agents various types of mutual funds from various investment managers.

If you want to be an investor, you can try to contact the bank and ask for the choice of equity funds investment manager which can be purchased, because the bank branch networks far more than the investment manager's office, clearly facilitate investors to obtain information and conduct transactions on the most convenient location.


8. Taking Advantage Housing Loan



Buying a house with a mortgage, although for the long term, could be profitable, provided you get a mortgage with interest rates relatively low. In addition, mortgage rates should be lower than the potential for appreciation (estimated price) of land or a house you buy.


Avoid buying a house with a mortgage when interest rates are high. Because, when you're paying a high mortgage, appreciation of land or a house may be unable to pursue the total cost of the interest you are paying.


If the trend of interest rates tend to fall look for mortgages that make allowances for flexible rates (interest rates adjusted to the latest developments in the market interest rate). If the trend tends to increase interest rates, look for mortgages that provide fixed interest rate (fixed) for several years. The advantage, though market interest rates already rising, you still get the allowance to pay by installments with interest rates low.

A. Dream house with a mortgage
If your income and savings are not sufficient to buy a home, one solution is to take a mortgage. How?
1. Determine the maximum price within your means.
2. Select the home as you wish.
3. Check the validity of the letters home.
4. Prepare the required down payment (approximately 30% of the value of the house).
5. Determine the period and amount of mortgage loans are willing to pay in the long run.
6. Look for information about the bank that can provide mortgages with low interest rates.
7. Prepare the paperwork required documents (photocopy of ID card, paycheck, monthly savings account statements, etc.).
8. Ask the credit application.
9. Sign a contract with a bank loan that took out mortgages.
10. Set aside a monthly income as planned for mortgage payments.

B. Buying Houses
Finding the right home is not easy to be numbered. To avoid these unwanted things, some things you need to consider.
1. Location: Try located close to the workplace, access is easy, for example close to the highway, not prone to flooding, clean water and adequate facilities. And equally important, its security guaranteed.
2. Thorough developers and check the mail or deed purchasing sale agreement, whether justifiable or not. You also must know the address of its head office. If you are in doubt, ask the organization's Real Estate of the developer's reputation.
3. Prospect: You should consider selling the house in the future. Find homes in the area is very potential to develop.
4. Social and entertainment facilities, namely whether the location is already available means hospitals, schools, shopping, and so on.
5. Adjust your budget ability.

9. Foreign Currency Investment


The extent to which the profits when we invest in foreign currency? How much to set aside for investment? Diversification of investment in foreign currency you need to do, even if the number does not have much. It is considering developing countries including Indonesia, so that currency fluctuations large enough. The portion to be set aside for this investment would vary, depending on the financial condition and needs cash flow (cash flow) of each investor.

For example, if you have a long-term obligations that need to be settled in foreign currency. For example, school fees abroad, often to foreign countries, or mortgages that you purchased abroad.

If applicable, a minimum duty rates that you set aside for foreign currency investments. The goal is to eliminate the risk of exchange rate to foreign currencies in the future, when these obligations need to be resolved. If you do not have these obligations, the amount of investments tailored to the needs of all. At least, set aside about 30% of the total purse of your investment.

10. Why Should Always Buy Branded?


Own-brand goods are making your prestige tilted. But, do not let financial breached only because it is too forced to buy branded goods which are usually expensive. Here's the trick:

1. Find your characteristics. People who already have a personal style that usually does not care about the brand, as long as the clothes he was wearing his characteristic reflects.

2. Make friends with people who value money. This will remind you of the difficulty of making money, so it is more prudent spending.

3. Occasionally do a physical comparison. For example, the price of a pair of designer shoes that you buy it enough to buy 10 pairs of shoes without the brand that is not less good model.

4. Only buy branded goods as a gift on your special day, For example, when you get a promotion. This will make you do not need to 'starve' branded goods because sometimes you can still buy it. You will also be much more appreciated because it obtained the goods on special occasions.

Shopping Tips branded goods
Do you like branded goods? Here are tips to get the best collection at a reduced price.
- Check the schedule of the official discount in the boutique for the goods that you like.
- Try to check the price of goods from the internet. You can know the difference between the prices of goods sold in your city with the original price in the country that produced it.
- Shopping at vintage boutiques. You need to carefully choose, to avoid the possibility of a defect in the goods you buy.
- When goods are purchased at a vintage boutique disabled, you can bring to the shop for repair authorized an affordable cost.


11. 3 Keys to Successful Business Opening Housewife


Each person would want to be successful entrepreneurship. However, many who do not know how to reach it. An expert in financial planner stated that there are three key factors that need your attention.

1. Your Personal Introduction
Are you highly motivated, love challenges and love mix? Know your character first. Understand also motivation, and goal to open the business. This is so you stay focused and not easily discouraged, after that, the identification of talents and abilities and your experiences.
2. Determination of Line of Business
Measured your first match is level with the type of business that will worked perfectly See your business character, then match with your personality.
3. Master the technical aspects
This will facilitate your move to open and run a business. Technical aspects that need to be considered is the capital, law, financial management, competition, and a competent mentor.

A. Mother of Independent
So many advantages when you, the mothers, financially independent.
1. Sufficient to help their husbands in family maintenance.
2. Minimize financial risk in the event that families who do not want to husbands, such as layoffs, accidents, or the other.
3. Double income earning better than one person.
4. By having my own income, family welfare could be better.

B. Business for Housewife
1. Find a business that can be done from home or a location close to home. For example: a home industry, catering.
2. To control and run a business (for example, checking orders and supply of goods entered, or call the business relationship), use the time when the kids are on the move or take a nap.
3. Hire experienced workers in the business you choose, so you do not have to teach every detail.
4. Have at least 1 person of trust to help take care of business, so you can monitor at any time.
5. If you can type Share of business, choose a partner who opposed his spare time with you. Thus, you can both monitor and control the business without losing time for the family.


12. Notice Deposit Tax Policy


Indeed there are two opinions you need to know about Base money sucking techniques, namely by increasing interest rates or the deposit rates are raised. Indications of low bank deposit rates are decreasing in the interest of the community store and savings deposits at the bank.

A. Touching the public justice
People consider that the government was unfair to the people with taxes while raising the basic rights that should be provided by the government to the people such as security, good public services, and so can’t be met. By setting deposit interest tax provisions, interest savings, and discount the new SBI was evident that little was being blackmailed.

B. Taxes should be a bargaining tool against the government of the people.
The tax increase that you can receive should be, if the government can meet two prerequisites. Namely, the government including tax authorities can improve the quality of public services, and accountability of tax collectors apparatus can be improved. In addition, people must be convinced that money from tax revenues is used correctly, transparent and accountable.

Principle or tax motto we need to instill a 'wise man obey tax' and also 'the tax collector must be wise'. Concerns about the impending escape overseas funds increased result of the income tax, it could happen. However, there is also the opinion, that the actual risk of depositors only play, they choose where the risk of the lowest.


13. Best Deposit Options


Term savings deposits are in the appropriate currency at the prevailing state with attractive flowers and various other benefits. Some of the profit you earn on deposits is a tribe to a competitive relationship, greater flexibility, reliable and so forth.

To ensure your money is invested in a secure and reliable and profitable is to choose the right bank and reliable. Here are tips on deposits that you get to know:
1. Consider a competitive interest rate. Deposits in Banks usually have a competitive interest rate, making your investment grow faster.
2. The annual interest rate of deposits you need to be calculated based on actual number of days (1 year 365 days counted).
3. Interest Deposits must be received in advance, so you do not have to pay up the amount that you wish to place on foreign currency deposits.
4. Can be opened in the name of an individual 2 (joint account).
5. If the bank has greater flexibility, it must be able to provide a wide choice of time period you specify can be tailored to your needs, namely: 1, 3, 6, 12, or 24 months.
6. Free deposits extend automatically (Automatic Roll Over).
7. You can choose to reinvest the principal deposit interest deposit accounts or transferred to account or Savings can be withdrawn at any time.
8. Interest Deposit can be accepted in advance, so you do not have to pay up the amount that you wish to place on foreign currency deposits.
9. Also can be opened in the name of an individual 2 (joint account).
10. Items must be able to deposit a symbol of your personal bona fide providing a more reliable and widely known, as applied by the Bank.
11. With the above explanation, the Bank's presence will surely be your first choice for the welfare of the family deposits within the next

14. Set the Household Finance


Financially stable means to meet their own needs time to reach 60 years of age. To overcome these problems, therefore you can contact the Financial Planning experts in order to provide strategies or tips that are very effective when executed properly.

1. Use a regular income just to pay for routine expenses. To keep expenses do not exceed revenues, the budget needs to be made in order to know whether a surplus or deficit. If it is not a deficit, it should be an emphasis on saving or spending on certain posts.

2. Do not remove funds from the regular budget to cover expenses or a sudden out of planning. To use the expenditure of such cash deposits held. Then from where the cash deposits? Should come from regular income or deliberately excluded from the remainder of monthly expenditures.

3. Defer expenditure outside the budget. If you want to buy goods such as television and other secondary products, should be used to save up cash reserves.

4. Try to have a reserve fund that benefits can be felt when experiencing major problems such as termination of employment, bankruptcy, and so on. The amount of funds should be able to support his family to get a job again.

5. If you and your spouse have a steady income every month, then the reserve fund should have a two to three times from the family expenditure. But for the bachelor who does not have a steady income, the reserve fund should reach 12 times.

6. Must have protection from all the bad possibilities. Protection is the number of insurance intended. Remember, if it is not anticipated early on, could lead to financial problems destruction cash deposits and reserves owned, For the Trust to service the Bank capable of answering all your financial problems.


15. Cellular Company of Mobile Banking


Internet long enough to give ease of doing transactions through cyber network to your bank customers. Simply by using the computer at the office or at home, you can make access to the bank to pay various bills. You also get the ease of the transaction to the Bank by means of telephone. Almost all foreign banks in providing banking services via telephone, to facilitate the bank's customers get the service.

Yet the ways transactions are tied to this place is considered obsolete, because the mobility and the higher the customer's needs, the presence of a very precise cellular phone (mobile) respond to the problems of your banking transactions.

The phone is already equipped with a variety of practical services, safe, fast, and easy especially banking applications. These applications are called mobile banking, by utilizing the development of wireless internet (mobile internet). These advances change the face of the banking sector, because customers can transact from anywhere, without having to come to a physical bank branches or have a long queue in front of the ATM machine. Even this access is always supported by every mobile company.

Mobile banking is one of the services that adopt market needs. Where there is a market share of mobile activities that calls for flexibility to continue to conduct banking transactions in a move. Mobile banking services provide bank interest rates, currency exchange rates, deposits, replacement of personal identification number (PIN), check balances, transfer, account statement and payment.


Simply by pressing the keypad on the phone, as if you were in front of an Independent ATM machine without having to come, All the usual services you get through the ATM can be obtained in a short time, Starting from paying basic bills like electricity bills electric, water bills and phone bill. In this way, the payment is easily done through the phone. Once pressing the 'transfer' on the phone, in addition to getting the desired item then the transaction is also recorded so easy to use.


16. Business Expansion Success with Savings and Loan



Success gain profit in just one area of business for a long time it was pride, but sometimes a less satisfying. For those of you who like a challenge, it wants to continue to increase and expand your business has started. Unfortunately, not all successful businesses are also always held a successful expansion as well, many businessmen who finally made his first attempt to be "abandoned" and not productive, Moreover, why if you do not do planning.


Therefore the key is, each wants to make the first step of business expansion, you should always take into account efforts already have. Before expansion, the main business you must have steady, both in the cash flow or system. So that the first business should be a "silencer" as your new business plan is experiencing turbulence or instability.


For the problem of capital, you can determine the expansion of the model you want to do. Are you going to do a merger (the merger), acquisitions, hostile take-over, leveraged buy-out or something else? Find the best, along with efforts to find a suitable bank to fund the development of your business.


For the selection of funds from bank loans, many banks today are developing micro-credit loans through the Fund store, the Bank wants to help you in business expansion efforts. Leave your worries about the difficulty of the procedure of borrowing funds. Because only a photocopy of identity and fill out an application form, then you add a loan for your business will be liquid within a few days. In addition to easy, the Bank also offers convenience with close proximity to the unit with the customer's business location, even a shuttle service to facilitate customer's deposit in payment each month applied by the bank also provides services Savings and Loan funds.


You also will be more stable and do not bother with the loan amount, because there is a bank that focuses on financing small Micro and Medium Enterprises provides loans to reach large numbers. In addition to loan products, the Bank issued a product-Loan Store also provides convenience and benefits to customers with a savings deposit products with free monthly fees and covered by insurance, with certain conditions, still dreaming and afraid to expand your business? Come, courage, and soon realize your dreams become true entrepreneurs with the issue of Bank Savings and Loan funds.


17. Identifying Potential Giving Fund


To the sources of private loans outside the banking, before someone start a business. There are three sources to obtain personal loans, ie relatives, friends, acquaintances business and angel investors or investors who really help without anything in return, furthermore, will explain the benefits to borrowers, funders and how to identify potential funders. What are the advantages for the borrowers?


Usually when we use his own money, then the next funding is borrowing from the above three individuals. We also can fund with credit loans without collateral and credit cards. But, it takes a high interest rate, no extra costs and need credit history (credit checking). For that, the borrower can provide competitive rates to attract loans.


Money from friends, relatives and acquaintances were there, and they usually do not do credit checking, but preferred working relationship. Also, funds can be given quickly. In addition, payments to the borrower's actual return could be arranged flexibility for funds approved by the poster.


Then, what benefits for lenders? Actually in this context, the lender has the emotional attachment (bonding) that he wants to maximize, in addition to getting revenue from these loans. Such loans usually provide better rates than bank deposits. This flower is very dependent of the relations existing cooperation and do business. It could be a loan with 0 percent interest rate (higher than the emotional desire for income). In general, interest on deposits.


The survey says, 80 percent of private loan to help the borrower. This is because the relationship of cooperation, brotherhood, a parent wants to help the young, or because one vision, if the perception of the borrower and the same funders, lenders can participate as a mentor in the business. There is also the same business intuition, so that such cooperation could lead to equity investment. How to identify potential funders?

- Brainstorm a list: friends, relatives who have the money, as well as colleagues and old friends from school, although 50% of the possibility of there from peers and relatives, 50 % were coming from old friends who are successful. 'So expand his list. Do not hesitate '.

- Narrow the list: This is done by giving the four characteristics in the list.

- Trust: funder people must believe in us.

- Got money: people funders should have more money to lend.

- Have experience of business: This is important because he will see business sense.

- Not having a problem with us: It is also important, given the three points above could be there, but he had a bad experience with us. Thus, it will be difficult.

At least three criteria must be met, considering the more criteria met, the more likely we get a personal loan. Determine the amount to be borrowed: It's better if supported by a good business plan. If no, at least the amount should be entered in the logic of that person. Then, do not borrow all of one person, because his chances would be smaller, Should be divided into several people, so no one feels burdened.

18. Capturing Opportunities in the Crisis


The global economy in recent months experienced turbulence triggered by the collapse of the financial sector in the United States. The condition was preceded by the subprime mortgage crisis in mid-2007. The crisis brings huge losses for commercial banks, investment banks, asset management and managing financial instruments based on subprime mortgage loans, particularly for large banks globally in the region the United States and Europe. So, how investors respond to the crisis there?

1. Stay invested in your country
Due to the impact of the global financial crisis, perhaps the conditions in your country's economy still better than other countries, Investment in the country probably will be more secure and promising better results than investing in other countries. In addition, because the situation abroad is relatively the same risk, diversify geographically into other countries is less beneficial.

2. Stick to the principle of investing
In the current situation with respect to an uncertain global financial crisis happened, we must return to base actions on investment principles, namely:
a. Risk and Return
Every investment has risks of each in accordance with the level of investment return potential (high risk, high return). Investors should adjust their investment with the risk profile they want. Risks taken and the expected return is a combination of several types of assets owned (in the form of portfolio investment).

b. Time Horizon
Type of investment that the investor is taken should be tailored to the investment objectives and liquidity needs, If the funds will be used in the short term, investments and short-term selected, similarly for the medium and long term.

c. Market Timing
Economics has a recurring cycle. There was a recession and grew rapidly, including the period of change. Realizing the economic stage now and looking forward to a cycle that happens can help in investment. Industrial sector development should also be seen in every economic cycle.
For example, during the recession, the sector of food and pharmaceutical industries generally will rationally most resistant to recession, this is important in the choice of investments (eg stocks and bonds) that will perform well in the future.

d. Concentration and Diversification
Diversification will be very useful in situations that lack clear directions, because the types of investments (assets) that will perform well not easily predictable. This can be done by way of asset allocation is conceived (ie, investing based on portfolio performance). Thus, if from some assets, good investment returns will compensate for the bad, so the total investment return (portfolio) would be optimal.

3. Cooperation with various parties
Crisis of confidence is the source of all crises. Therefore, cooperation from all parties (government, banking, capital markets, institutions, other financial institutions, and customers) is necessary for your country's economy still growing well. With calm and clear mind and a wise, will impact the global crisis was not felt.

4. Time to enter the market

Indonesia from economic data better than neighboring countries, and experience in America could solve the crisis in the second quarter, very reasonable to go into capital markets (stocks, bonds, or mutual funds) at this time. Moreover the prices have corrected enough. However, there are a few things to remember:
- Fixed investment based on the principle.
- Use dollar cost averaging method.
Customer or investor needs help in understanding the economic situation that developed, especially in the conduct of investment choices based on the risk profile of each.


19. Ideas Poured in a Business Plan


Many sources of personal loans outside the banking system before someone start a business. There are three sources to obtain personal loans, ie relatives, friends, acquaintances business and angel investors or investors who really help without anything in return.


Meanwhile, in the second article described the benefits to borrowers, funders, and how to identify potential funders. Furthermore, in the third section will be reviewed on the important things in business planning and the factors that trigger doubts. There are three important things in business planning:

Should read, you must be able to express ideas on paper so that readers interested in the concept or idea that is. Maybe our brothers are not interested in seeing a business plan, because his emotional bonding is stronger. But, in general, those who had never run a business, it will ask its business planning. Plan your loan: It should be considered carefully:
1. What is the use of the loan?
2. How much interest can be given?
3. Payment period.
4. When is the payment?
5. What payment methods will be?

Prepare a letter to the lender: It's always better to follow up a loan with a letter. The letter contains a summary of the loan and the desired loan proposal with a good style and professional. Formal letter like this can also be used as a cover letter when sending business plans to acquaintances who are interested.

Once we have a good business plan, it is time the business plan presented to the target investors. There is what we call the "Elevator Speech" and also called "Kitchen Table Pitch".
- Elevator Speech: We only have 20 seconds to say the purpose and objectives of the proposal. Therefore, the presentation must be concise, clear, and focus to the goal.

- Kitchen Table Pitch: Normally when we eat in the dining room, his condition was always formal. Well, if eating at the kitchen table, usually relaxed and informal. In the context of relatives, close friends or relatives and acquaintances, informal approach may be better used.


There are several related conditions that: Must be comfortable as possible: looking for a place and time that matches the existing relationship so far, it must Compelling: We must master the business plan and demonstrate the commitment and hard work to succeed in this business, if necessary take the mock-up, drawing layout and other people to add interest.

Discussion should lead to agreement: its natural sequence is, talking about the general way of business plans and ideas. Says that need funds for xx and let any funding options. Ask if he's interested in and why we chose him. Next, ask if he was interested to send a summary of the discussion (including business plan) to learn more and to which the proposal addressed. However, there are two main things to doubt: Fear of relationships that have been established to be broken and the money was not returned.




20. Building a Kingdom Business Tricks


It turned out to build a business big capital is not the main requirement. Now, besides money, what is needed is creativity. Junior Achievement is an institution that I aimed to give young people the skills to succeed in the business world. He said creativity in developing ideas, skills and commitment that both are the three main supporters. If the third condition was owned by someone capital come alone. This deficiency is also one of our nations. Many people who think the main requirement is to try capital.


If someone does not have the skill, creativity and commitment for any capital owned business certainly will not last long, He then gave an example of a businessman's biggest fish today that started its business from door to door from one house to another. But with the three components that he has finally he started the business to be successful. Got a good business ethos of the business will grow.


On the other hand, there is a rich kid who was given capital by his parents, but do not have a good work ethic, skill, creativity and commitment, the business end child did not last long. To become a businessman there are tips that can support the success of a business. The first trick can find opportunities in any case. Other Ways to risk has calculated a mature, disciplined, tenacious and diligent, able to socialize with both the environment and must have a high confidence.


21. Tips Good When Monetary Crisis Happened


Increase Fuel Oil and materials followed by an increase in food can’t seem to have been arrested again. The main ingredient to the daily needs that must be redeemed by the sacrifice of funds that no longer just a little. Can you imagine while earnings have probably increased because the company is difficult due to the fuel price hike, we still must accept the fact that spending money and money that had been prepared transport was no longer able to be used as properly.
In such circumstances, what could we do?

A. Starting from the Financial
Our financial problem lies in one fact that is not enough money we earn. And the right answer to it is also clear that is making it pretty. Some of us would say the additional revenue is get solution. Maybe you can’t blame such assumptions. But whether the extra income is always a solution? Yet it must be admitted making money from outside is not easy. Even sometimes sacrifices must be made not balanced with the results obtained. Not to mention not everyone can do it. Therefore, before deciding to try to find additional income from outside, perhaps in the improvement could be done first. For it is a futile if we increase the income but no change in the pattern of use. Because of financial problems was not sure depends on how much we get but how to use it.

1. Evaluate the use of funds
Initial steps to stabilize finances are to make our financial evaluation. Try to do this record any month that a family spending has done to meet all needs. A family has done consulting for managing monthly expenses that he is always on the targets that have been determined. After the evaluation carried out together, it is known that the cost of family expenditure always exceeds the budget each month.

This occurs because during the shopping, the family is always in it together and always spend more money for the breakfast that was not previously budgeted, The problem has always taken funds from the budget so that spending money always exceeds that began target. For current expenditures that are separate primary with his expenses. Thus will know how large the family of real expenditure per month.

2. Create a spending priority
Remove to be removed, and stand for who have not needed. Sometimes we feel have been trying to remove only the necessary, and has left the desired, But when asked what criteria need and want? How to distinguish? May not all be answered with certainty, is the expenditure needed to be done, and wanted the expenditure could still be postponed. So with this simple definition we should be able to make clear what the priorities in the family expenditure. Try to ask yourself when spending money.

3. Is this expenditure can be postponed? What effect if delayed? "
If the answer is not to be deferred or postponed if the negative effects will result in higher, then it is a necessity. But if the question had been answered yourself that canceled also not be a problem, or if delayed no negative effect is too large, then it is the desire.

Currently communication is a necessity. And buying is the need for automatic toll. When to put off buying pulses could be fatal to you and your family for example would disrupt the family business, the buying pulse is required, but if the delay resulted merely buying your pulse can not contact colleagues or peer social gathering you hang out, then it is the desire.

4. Damping spending undetectable

One of the failures in the family finances is the waste. A family had to consult about it. Expenses have been budgeted by all, and in black and white there are excess funds detected, but why at the end of the month the money was always gone even less? Although I knew that we could have done one at a walkthrough, but I think it would be boring. So why do not we change the pattern. Suggested to the family to add 1 thing that they had never done before is to save their surplus funds.

Beginning of each month, after counting and making a budget, families are usually left their excess funds in the savings as an unexpected fund. So from now on after consultation, they have to put 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 could always buy gold coin and always continue to grow in number each month. What about unexpected funds? I suggest using a credit card for it. But of course with the consequences must be paid after the bill. How about the Funds? Yes from selling gold. But for some reason until now the card has not been used.

Sometimes consciously or not, if we leave money on something unexpected, so unexpected that it could happen. Therefore do not expect to happen, how to separate the excess funds once you advance, so as not to be unexpected expenses, and go undetected.

B. External finish
Above we have discussed how we must act from within to face the possibility of higher prices. Now it's time to finish it from the outside. For the family finances basically depends on two aspects that affect how a person of the organizing and managing the money and from the outside that is how someone organize and manage all the temptations and the offer could affect the overall family finances.

1. Avoiding New Debt
If you do not have to avoid form a new debt, especially if the debt is consumer debt, Remember your current expenses will continue to increase, and it seemed to additional external funding is one way that can be taken. But debt is not additional funding but the additional obligations that would not want to get it over with, especially with rising prices, not the possibility to increase loan rates also are your duty.

2. Discounts are not always the answer
If you speak a discount, we usually assume a savior. Imagine that while all the high prices, there is still a low price to members. But if I may issue recommendations to member funds, the most important thing is not how much you spend that, but for what you remove. Rather than spend a little money for items not needed or even things that just make you more be consumer; may be better to buy goods at a price slightly more expensive but do we need.

3. Avoiding Investment Speculation

One more thing to be avoided is speculative investments. With more difficult economic situation, the more people who offer alternative solutions one of investment on as such are usually kind of investments that gives the most regarded as a way out. But if we do not understand and master it, do not ever go in it.

4. Create protection
One way to make savings and financial help is to move the costs that may occur to other parties. And it can be done by the insurance. When we first used to solve all problems through private money, perhaps it is time you submit a problem that large-scale insurance parties. Health costs, vehicle repair and protect homes, can be a beginning step. Remember the rising cost of fuel then automatically other costs also rose, including health, recovery and development.

5. Trying to increase revenue
Finally, there is no other way than trying to increase revenue. Begin to multiply the potential of self, recognize the environmental conditions and are always looking for alternatives is one way to get additional revenue. No need big, but make it into a routine. Thus among all the costs had been rising, there is little extra income could simply add to our investment.


22. Tricks Facing Inflation attack and Tax on Investment


Most people put the funds in place 'safe' only. Why do they put 100%-even- its idle funds into investment products 'safe' such as savings or deposits at the bank? The answer is that such people are afraid of losing money. When you are young (say, still under age 40), it is actually very ironic and very unfortunate. Because of what they think the investments 'safe' such as savings or time deposits, actually not even 'safe'. Why, how is it possible?

This is why many people fail financially. They are too focused on security issues rather than trying to take the investment risk is greater. Major risk is useful to obtain greater profits in order to 'beat' rate of inflation. With a focus on investments 'safe' only, then the results obtained in real investment is not large. Even tend to minus, as in the example above. If you want to accumulate wealth, then what you have to do is to take a greater risk that can provide the potential for greater profits, so you still get the benefits that can say okay, despite the tax cut and inflation.


23. The Importance of Having a Financial Goal in Investing


Natural thing in life if we have many desires which require some money to make it happen. If we can’t make it happen this time because of the unavailability of enough money, we still have a chance to make it happen one day by setting aside some money from the income to save or invest, Could eventually accumulated enough funds to realize these desires.


But it is becoming closer and closer to your goal, instead, getting away. What nonsense that prevents you to invest, especially the temptation to use the investment funds that have been collected for an expenditure which is not the purpose of investment, As if it saw a number of funds collected, your hands are itching to spend it.

Why can fail in the middle of the road? The main cause is that you do not have specific financial goals and measurable in investing, the result will be 2 things, namely:

A. Lack of motivation in investing.
Suppose you have a desire to have your own car and promised to try to save to achieve that desire. How you invest will be different if you change this desire into a financial goal that is more specific and measurable. For example you set to have a car with a certain brand and price, and the desire that you want to make happen 3 years from now.

With the first way, the spirit you collect money to buy a car may not last long. For the sake of seeing the money that accumulated little by little, you might be tempted to use it. Different if you have a clear purpose how long it will be realized with the ability to invest at this time. The more days you will be more excited to see how much you desire to be closer to be realized.

B. Difficult to know the success of the investment.
Suppose you were saving to collect some funds to buy a house and pay for some money per month. Three years later the funds collected approximately USD 18 million. Does it have enough funds to buy a house the answer may not be enough. Your self have not determine what price you want to buy a house, If you do not specify how much the price of the house who want to buy, how you can calculate the accumulated funds are sufficient or not.

In contrast to determine in advance what price people want to buy a house and when it wants to buy a house, next will be easier for you to determine how much income should be set aside to achieve this desire. If the amount set aside is too heavy for your financial situation today, then stay to adjust to the target house prices and want to buy the investment period.

Thus, these desires can be converted into financial purpose more realistic. If you have the ability to invest in accordance with the investment objectives, the more easily measured his progress from day by day. So that at the appointed time you managed together enough funds to achieve your financial goals, Measurement of success of this investment is very important, because one of the investment success is if successfully hit the target investment funds at a given time. Here are 3 tips in setting a financial goal, namely:

1. Specific.
A financial goal should be made in writing, measurable and have a period of time. For example "I want in the next 12 months could increase the amount of regular savings deposits to 10% of income per month.

2. Realistic.
You who know you spending pattern "Where to buy" and which "too nice if you could buy". Achieve a financial goal is to like people who are dieting in an attempt to lose weight. Death-death diet could make you lose weight quickly, but you'll quickly get bored and to amuse yourself on weight loss, you are rewarding yourself with chocolate and ice cream.

3. Tell someone else.
Most people are very excited when making plans, but often fail in implementation. Because prescription potent enough to start, by telling other people, surely someone who is very close to you such as husband, wife, or parents, about your financial goals and how you plan to achieve it. Ask the person to alert you whenever he saw an indication you will deviate from your original plan. For example, people who want to quit smoking can tell other people close enough to him about his plans. So his friend serves as a reminder whenever the smoker began to deviate from the plan.


24. Building a Healthy Shopping Habits



Many of us are puzzled out how to pay enough for one month because the salaries are often discharged prematurely. Actually you can save from your salary does not matter whatever your income, a way to build healthy habits in using money and dare to try creative ways that can make your money grow and also make your life better. However, a change in virulence was always requires adjustments on the other hand. So is the habit of shopping, spending money would have been much more fun than having to save it.

Know that you do not have to suffer because of trying to manage money well and started to organize your life. You have to do is how to use money and become a smart shopper careful. The aim is that you get the most from every dollar you earn and not spend a continental when not required for that.


We take the example of anything other than changing shopping habits are also a problem most people, such as smoking habits. You know that smoking is harmful to health, causing interruption of pregnancy, impotence, heart and so on. You want to stop smoking altogether, but every day is always just the opposite happened. When implementing the various temptations that have been making a strong willingness to surrender to the fun of betting a friend that you would not be successful. Not to mention the mouth was sour, upset concentration, headache due to quit smoking was also the need to adjust other physical conditions.


Well, It is very difficult if you have to stop smoking at once, but if one day you used to spend pack contents 12 sticks, why not try to cut just one cigarette first. The difference does not seem right? If you are forced to stop at once, you'll be tortured. How can so I can use the money carefully and be shoppers cautious? Here are tips on smart shopping are simple and can help you develop healthy habits, among others:

1. Reduce the purchase of goods whose value decreases
Spend your money on goods whose value increases. Most people shopping on goods whose value was so used up as, food, clothing, or its value decreases as electronic goods and consumer goods other. As long as you are able to distinguish between wants and needs of the shopping is a reasonable thing to do and go beyond just hungry eyes.

2. Little stuff means a lot
Often we do not feel out of money to buy cigarettes, buy a snack or just coffee-coffee. Naturally, if we forget for a small amount and has become a habit, the danger is that a daily habit, we forget that the small amount that if we calculate the number so large a year, too. Obviously the amount will be doubled if more invested.

3. Keep your total installment debt below 30% of salary
The habit of people in general are using nearly 90% of monthly income to finance the household shopping needs, What happens if you have a home loan repayment, car or credit card spend 50% of the revenue? Where do you have to meet the needs of the household shopping, you might get a loan here and there to covering household needs. Therefore if you have debt, keep your total loan repayment amount per month is not more than 30% of your income, so that the remaining 70% can be used to cover household needs.

4. Credit card is not more money
Credit cards often make us richer than the truth. Limit credit card to make us feel like having more cash, though the credit card limit is not given for free. Once we use it we must return it, and if you can’t afford to pay in full then you will be charged interest, because it for everyday spending pay with cash or ATM card or your debit card. Keep your credit card for emergencies, as a quick source of funds but an emergency when cash is not available.

5. Have a reserve fund
Sometimes though people already have a budget, nevertheless penetrated, this is usually because there is no routine expenses or unexpected that is not included in the budget. For example there are relatives to borrow money, giving a birthday gift, a donation of marriage, and others. Usually to pay for this unexpected expenditure we are forced to take deposits from savings or time deposit or a credit card. If this happens constantly as a result of your investment goals can’t be achieved because the funds are always used. Therefore form a reserve fund of at least 2 or 3 times your family spend per month to pay for sudden expenses that are not routine, If your income is not regular or not stable then form a larger reserve fund again. Before you invest for any financial purpose, make sure you have established this reserve funds first.


25. Building a Financial Communications between Husband and Wife



"Love is not enough to support a husband and wife. Maybe it is the words that you often hear until now. Yes, love is not enough to be able to support a husband and wife. Need a lot of other things, one of them is money. But if the money is there, then whether it is enough to support you both and ensure that your marriage will last forever?


The answer, not really the existence of money does not guarantee that a married couple would be prosperous. You may believe it or not, the more guarantees of financial well-being between husband and wife, one of them is: communication. Good communication between husband and wife is certainly very important for the creation of a lasting relationship. There are many topics that communication occurs in a husband and wife. But one of the most critical topics between husband and wife is a financial communications.


Very important for husbands and wives to build a strong understanding in terms of family finances, often encounter clients who noisy and damaged his relationship just because of financial problems. And the emergence of financial problems, one of them because of the lack of communication and mutual understanding in terms of finances between husband and wife.

Not easy to actually build communication and mutual understanding are strong in terms of finances between husband and wife. In fact, they even had to communications you wake up constantly throughout the life of your marriage. However, if you both as husband and wife have a good communication in the financial sector, then you both will have a strong marital relationship and lasting. At the very least, your marriage will not collapse because of financial problems. Then, how to build these communications?
1. Talk to your husband what your views about money, and ask your husband to do the same.
2. Also pointed out what financial goals you want to achieve one day, and ask your husband to do the same.
3. After knowing each financial goals mate, make priorities about which financial goals should be achieved first by you both.
4. Create a plan of how you can both achieve the same financial goals are. What is clear, the plan must be realistic and can be run together.
5. Write down what actions should be done by each of you both in carrying out the plan, For example, you will do this, so your husband will do that. So you both run the financial plan was called together.
6. Discuss how the best way for you both in managing day-to-day finances.
7. Decide which of the two of you are going to pay the bills and monthly expenses.
8. Determine how much you spend that can be done by each of you, without having to first ask each other.
9. Determine what investments you will both do for the long term.
10. Decide whether you will unite two of your money in one account, or separating them in their own accounts.
11. Please save together for your future together later when no longer work.
12. Discussed frequently with each other about the plan was run. Evaluate the plan at least once a year to see if you both still have the same financial goals, and whether the plan which have been run so far it has shown progress or not in achieving the defined goals.
13. Open the tap and hold your communications alone. Set aside time regularly to discuss and communicate your financial problems alone.


A. Special to Husband: Tell Your Salary
Are you one of the husbands who are reluctant to tell how many of your salary to your wife? If yes, then perhaps there are some things that could be the cause:
1. You pride. You may not want your wife to know that your income is not large.
2. Or conversely, you do not want your wife to know that your income is too big.
3. You assume that the problem of income is a very personal matter to be expressed, including to the wife of your own, so not a big or small case.

Inform your income to your wife is not one of the requirements that must be run in building a better financial communication between husband and wife. But, if the husband and wife are running a good financial communication, then naturally you will volunteer to tell how much income you earn each month. There are several advantages if you want to notify your salary to your wife:
1. Your wife can get better in managing the family budget because she knew how many boundaries she can accomplish.
2. Financial communication between husband and wife are also expected to be better informed as to how much you earn, it shows that you are quite open. Openness is one of the requirements of financial establishment with good communication between husband and wife.


26. Preparing the Annual Financial


End Year with all the love and grief it had last year was replaced with a new presence, It was fitting that in this New Year, we expect everything will be better place for us. With the New Year, we seemed to be given new opportunities to fix what we might live with less well in the last years.


This correction of course, also includes improvements in personal and financial aspects of our family. Now is the time to seek financial life better for themselves and our family. Some of us may have heard some predictions that seemed pessimistic about the economic situation, especially when associated with elections and political conditions of the country. At least five steps that can be done in making a financial plan are as follows:

1. Perform financial check-ups prior to knowing your financial position and measure the level of your financial health. Way, make a balance of private / family that contains a list of assets, debt, and your net wealth. Then create a cash flow statement which describes the income and your monthly expenses, Financial results of these check-ups is crucial as a starting point of financial goal setting and achievement measures.

2. Determine your financial goals for the short term, medium term, and long-term. A good financial goal has specific properties, can be measured in monetary value and duration of its achievement (for example: Want to buy a car) and realistic for your financial situation now.

3. Prepare umbrella before the rain. Not always your financial condition will always be good. There is always a risk that threatens the survival of financial goals such as the loss of your income due to the death, disability, illness, layoff, or other cause. To anticipate the financial risks like this then you need to provide protection programs for your financial goals such as by way of preparing for emergency fund and follow the appropriate insurance program.

4. To invest to achieve your financial goals. There are several things you need to consider in investing in the investment period, the risk and investment return rates, as well as matching investment with your personal character. Select the appropriate investment period of your financial goals. The longer the investment period, usually the risk is also higher potential return but also the higher offer. If you are a risk taker's okay if you want to select high-risk investments. But if you are a risk avoider, it is strongly recommended choosing low-risk investment products or moderate. You can invest in real sectors such as opening a business and property, or invest in financial products such as banking products, stocks, bonds, mutual funds, etc.. Whatever your investment type, remember that you must learn and really master the ropes before you jump into the investment.

5. Conduct periodic evaluations every 6 months or once a year to ensure that investment measures and protection you walk in the right track to better ensure the achievement of your financial goals. If there is deviation from the conditions that have been planned, immediately make revisions as necessary.
You can arrange their own financial planning or to ask for help to someone who can you trust, like friends, relatives, or a professional in the field of financial planning. Good planning financial life better. God bless.


27. Looking for Extra Income


Why do you need extra income? That one of the key financial welfare of the family really is not in how much the amount of your income, but how you manage your income. Of how much income your family, if you can’t manage it well, then welfare will not be able to accomplish.

However, if you should not have more money in your family? Not really. Large income does not guarantee that your family can achieve financial prosperity, but a large income can help your family prosper. So once again, great income does not guarantee, but only help. Therefore, it would be better if you can increase your revenue sources. There are several ways to increase income in your family:

1. Working for Employees
You can get additional income by working in a company. You can work as a secretary, an employee of the accounting, administration, or whatever it was. The important thing is you get a paycheck. So if at this moment you do not work and only your husband who works (as well as employees), then by now you also worked as an employee, then there will be two salary in your family.

Or, if for example at this moment you have worked as an employee, perhaps you can become an employee elsewhere. So you get two salaries. A friend of mine worked at a company from 9am to 5pm. Meanwhile, he also worked evenings at a restaurant from 6 pm until 10 pm. He got two in a month salary.

What are the advantages and disadvantages to working as an employee? What is clear, working as an employee is good, because you live here, work, and at the end of the month paycheck. You just need to comply with work hours only. The drawback, of course, that if you do not work, you will not get a salary. Simple, That is why many people who are already aged 50 - 60 years but still working as an employee for fear of not getting paid back if he does not work.

2. Own work with Reliance Skills
If you have special skills, you can work and earn fees from it. For example, if you can sing, you can sing at parties and get honorariums. Maybe you can teach? Well, if you can teach, you can teach and get honorariums.

Work itself should be distinguished by working as an employee. As an employee you get a salary, whereas here you do not get a salary, but get honorariums. Examples of those who work with rely on the expertise and get the honorarium is generally the main soap opera artist, or a doctor and an architect who opened his own practice to get paid from the patient or client.


If you notice, in fact almost every person has special expertise or skills 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? Excess work alone, relying on expertise is that you will earn money that is consistent with your skills. That means you will be motivated to further deepen your skills so it will get paid more. The drawback is, if you do not work (absent), you will not get paid.

3. Running Side Business
Why did you not try to run a sideline? You can open a shop or stall. You can open a service bureau that sells all kinds of services. May also a sewing business, why did you not try?

The important point here, a sideline that could someday you leave the management to subordinates who you trust, so you do not need to engage and hold in it for the rest of your life. Shop for example. You may be able to open a store selling goods of daily needs. After several months, you could have managed to give your guys (which you pay of course), so you can comfortable watch television at home but could still get the benefit of the store each month, this is the advantage of running their own business.

Maybe you think that to be successful in business need capital money large enough. But you may not believe, the success of a business often depends on the size of your capital. Please see around you, there are many people who succeed in business with little capital. The most important point here is the idea.

There are several businesses that require initial capital big enough, but there are many businesses that do not require initial capital which is too large. The most important thing here is how you can "outsmart" the amount of money you have now to make enough to be able to run a business idea in your head. By running a business, you are automatically better trained to be independent and survive. That's one other advantages of running their own business.

a. Investing
Do you have excess money? Why not invest it? If you have a USD 1 million, maybe it could be you deposited. You will be able to rate, and added that interest you earn. You have items you do not use, Furniture for instance? Why did you not sell it and invest the money to buy gold, for example. After two-three years, I hope that the gold price rises. Well, the difference in price increases is the additional income for you.

For those of you who are single (no dependents) and stay at home alone why you don’t just boarding and contracting your home? Thus, you will get additional income from rent income every month or every year. Or if you're a little big house, why not rent one of these two rooms to serve as cosmic small rent home? You will be additional income from his boarding house money, right?

b. Importance of Willpower
Looking for Extra Income is not really difficult. The important thing is you have the will. If you do not have the will to want to get extra income, so any way that indicated to you it will be difficult to receive. So, all originated from the will. If there is no will, yes, your situation remains as now. But if you really want, you have 4 options to get additional income as above. Please choose which one.


28. Economic Crisis at the Right for New Entrepreneurs



It is rather difficult to associate the appropriate thread between the correlation time of economic crisis with emerging new entrepreneurs (entrepreneurs), because of the tight amid the current financial liquidity, Plus the weakening purchasing power of both international and domestic markets, it was difficult to emerging entrepreneurs. Your convictions are strong so immersed in your entrepreneurial moment. Critical periods will make people will find new strength to rise which eventually succeeded in standing in the middle of the fall, in this growing entrepreneurial spirit.

An example is when the economic crisis experienced by a country, it raises as many new entrepreneurs layoffs due to a large scale. At that time many people swerved from the human figure 'salary' to be entrepreneurs, including trade, open shops, cafes, restaurants and others. The key to success as an entrepreneur must have a dream or vision and well disciplined tenacious hard work to achieve the vision. So with ductility expected to realize a dream come true.

It is precisely with this global crisis and economic conditions that are less good, you have to believe as a human being if you are caught then you will also have a creative and hard work ethic to succeed and if we succeed in a challenging period of this then it could be pride. Very tight connection between the crisis with a new entrepreneur emerging, in example during the difficult conditions people will be critical in position the human race and to issue a new spirit of innovation.


"How to survive", how to overcome problems encountered, how to succeed these challenging days of pride and satisfaction to be enjoyed separately later. For the entrepreneur who has run the business, current conditions of liquidity during the dry, and then the appropriate step is to delay investment, Efficiency including assets that already exist. An employer is required to more efficiency and even had to issue a new breakthrough. You must always believe that where there are challenges there are opportunities there.

For new entrepreneurs, never despair, but continue to pursue your goals, keep trying because of failures or mistakes that part of the experience. If you continue to perseverance and hard work, believe that every person can achieve his goal. An entrepreneur must be able as a symbol of man who has successfully realized his dream, each entrepreneur is an inspiration and mirror the human spirit creates success by changing the dream into reality, entrepreneurs are very close to the nature of persistence, creativity and determination.


29. Prospect Online Trading for Small Investors have Capital


Today many securities firms are starting to complete transactions with online trading. With online trading, securities expected customer base will be greater. Prospect online trading are also large enough to reach investors, especially small capital, but what about the security of online transactions this? How big are the market prospects for online trading in your country?

A. Online trading background
Many securities firms are launching online trading on the end of the year and before the beginning of the year 2010 because they were optimistic that the retail investor market will grow quite well. They see the development of good investors from the past three years although they were hit by the crisis but with online trading that the investors should have the number will multiply if the Internet infrastructure is supported by a fairly good base.

This is also a cultural shift from ordinary investors do conventional trading leads to internet trading. Why did they choose the retail market segment? Because they also see potential for significant market, is also in progress to educate the public with enough capital they can afford to do a transaction and thus learn to invest our capital markets that could host their own country. Thus, fears of capital outflow from capital market will be less than before. Since foreign investors are now much more dominant, to step forward they can expect a balanced proportion.

Target is for the retail investors, mostly to the work force must have a savings that want to invest and also to students of course. Not off the possibility also for the investors who are very busy making it impossible to make purchases over the phone. Their students is a market good enough, they'll be studying there and trade, and they will back up their web research and information as possible is always kept updated.

B. Benefits transactions with online trading?
In addition to the initial deposit is cheaper, better fee, customers are also more updates to all forms of information and research directly, do not have to depend on the sales. Common problems faced by the conventional trading his usual communication between sales and the investor, this is just limited to phone and sales are usually one can only reach 10 investors, whereas with online, investors can get things more quickly.

C. There are still many people who have doubts about online security trading, is there a special anticipation?
Specific strategies they will do in addition to education by the Internet and by Internet news portal, they will conduct education to university campuses through the gathering. So they are more convincing in our online products. In terms of infrastructure, they will continue to keep the accuracy of information for security trading. Therefore we will continue to increase gradually to its infrastructure needs.

Actually online trading as a complement, for investors who are not represented either from branches or from the human resources of their own limited sales of any securities, and the main thing is to reach retail investors due to limited human resources and branch. With the Internet-based, they sure can open new markets specialized Internet trading. As far as the need to know development will be high enough if you see the potential there.

Prospect Online Trading In the next year pretty good, probably will grow quite well with the condition that the internet tariffs more affordable, internet networks, the better and also news of recent capital market is colored in every medium, print and online, So they believe investors will now be much more understanding of capital market conditions, to facilitate that, of course not enough to just over conventional trading, Online trading need to capture more and more investors.


30. How to Design Your Future Career


Planning a career with the capabilities and take advantage of the opportunity to get ahead by working hard is a key to success, so how about that? Consider the following steps:

1. Immediately provide the time to start a career designing for the future. Think what you will do, note, and see its realization. Do not let the opportunity that came just disappear.

2. No need to worry if expectations not materialize, Plan B, aka Prepare backup plans. Give the bright idea to leaders so they are happy with your performance.

3. Do not let your handcuff career. Remember, your future depends on the decisions you make.

4. Avoid working alone. Ask for opinions from others or try to relate to other parties associated with you professionally. Do not be ashamed to ask for your progress.

5. Try to open your horizons, if there are challenges out there that feel more interesting and will enhance career and professionalism, why not try?


31. How the Important Thing Negotiating in Business


Knowing how to negotiate the right is often very profitable position in the world of our careers. Negotiations about the position offered, for example. Or negotiation about salary increases. The problem is not many people know and want to negotiate.

The first key is to negotiate your-self. Choose how to negotiate that makes you comfortable and able to reflect who you are. Trying to imitate the styles of others instead of negotiation will show that you are weak and have no self-confidence.

Try to find out what your strengths and weaknesses, and see how people react to the strength and weakness. This will help you highlight the strengths and eliminate your weaknesses. This also will help you identify your weaknesses, for example, about the lack of patience, which was very necessary at certain moments.

Women are also very rare to negotiate. They usually will accept only bids or otherwise, reject the offer. Most of them do not realize that it was negotiating legitimate. If you can’t express what you want, how you can achieve it? One of the reasons why women are reluctant to ask about the offer or other matter relating to the career is for fear of damaging relations with other parties. Remember do not underestimate the power of asking. Indeed, you do not always get what you want, despite the insistent question. But, if your question right, then it is very rare you come home empty-handed.


32. Get in order for a Better Career


Travel careers have their own pattern. At some point, perhaps rapidly rising career, but the next time fixed or even a career free fall. So, if you feel a career now being below, rest assured that whatever happens now will most likely give you a valuable lesson. How did your career to be more brilliant in the future, the following tips:

1. Write What You Want
Ask yourself, what you really want for your career and then write on a piece of paper. Tape the paper in place or thing you see every day. Big things usually happen to people who really know their life purpose.

2. Make Plans
The next step is to make a plan. Planning is very important, because it will make you achieve what you want. Without planning, a step can be likened to walking without a destination. In essence, you must have a goal and then plan what steps should be done to achieve these goals.

Planning will also prevent you from doing things that really do not need to be done. The more specific the plan, the better and easier all your steps, another reason are the need to create a plan that prevent you do not become excessive. For example, there are things that should not have to be done but you are doing well because there was no plan.

3. Act
Concrete steps are following a process very important, planning without action virtually useless work. And to keep you still go according to plan is to record what steps you have to do. Make notes as a guide and "guards" so you keep going according to plan and target.

This note will also help you monitor your career. How far you've walked, how did it gone what the next step, once the evaluation process. One thing that must be kept is a matter of discipline, Open this record on a regular basis, if necessary, every day.

4. Say, "I'll be successful!
"Environmental and working conditions will be more and more shackled and affect us as employees. For example, office working atmosphere is always negative in the long run will make you hard to stay positive, If your boss every day always say that you are not capable to work, then more and more you do not believe in your abilities. You can no longer objectively assess yourself and your abilities.

How do you see yourself is how the world sees you. If you are confident and appear confident, then the world would see a confident on your-self. If you are not comfortable with yourself, then it is also likely to be seen the world and the people around you. Do not be surprised if you feel no one else is watching you.


33. Develop Budget in Household


The New Year is a time for introspection, including the matter of expenditure. Perhaps you've been among those who do not like the annual financial plan and to think if the expenditure is planned per month only. And if the planned since the beginning of the year you can better save money and realize how long this lifestyle. Is spending all this time was quite effective, or rather swollen everywhere? Well, how can budget the annual count?

1. Routine and Special Budget
The first step must be taken before determining the annual budget detailing, by dividing the statute into two regular and special criteria. This division in accordance with the goal of achieving 'wants and needs family.

Special budget is kind of planned expenditure for special needs or specific purposes, such as sending their children, plan vacations, etc. down payment for house. This special budget does not have a plan for the plan in the same year. But can also be set aside for a few years later. For example, for a vacation out of town in the year 2012, or the child's school budget to enter high school in 2015 and so on. While the regular budget is a budget established for the needs of the magnitude similar to the previous year plus inflation, For example: the budget for debt payments, deposits and investments regular family routine expenditure.

2. Determine Priorities
Basically, all the budget expenditures have priority scale, so that financial management can be monitored. For example, 10 percent for the socio-religious, 30 percent for mortgage debt, 20% for deposits and investment protection (insurance), the rest for routine needs and living expenses. Then can be played from the post needs to tend to fluctuate. Create a priority again and the need really basic, secondary and tertiary needs (luxurious). Purpose is to make real spending to meet the needs not just wants.

Do not forget to set aside a budget reserve of about 3 times monthly expenses. Can be pursued by setting aside 20% of the investment deposits (in separate accounts, ed.), Then new investment product entered into the period after the goal. These reserve funds serve as a buffer, if related something with regular income households. For example, a husband hit layoffs, so the routine expenditures swelled to find new revenue, expenses or occur suddenly things unwanted insurance is not guaranteed, and so on.

3. Calendar System
After the budget predictions are made, the next need a more concrete plan. Many ways that can be taken to realize the annual budget, one of them by using the calendar system. Way, make a list that includes about when, how and to what expense do and then convert on the calendar in the house.


But only for special expenses and a large routine expenditures only, Regular budget not included in the calendar, because it is routinely released and do not need to be reminded in particular. Do not forget to keep separate the regular and special budget. The goal for the holder of the family finances can remember and never forget the obligations and commitments. For example, on each date of January 1 until December to pay car payments, each dated January 15 until December to pay the deposit and so on children's education.

4. Observe that's Created
After the budget was made with a partner, the next step is to do what you write and write what you do. Proceed as what was budgeted. Write down each step to be taken, to evaluate whether our actions are in accordance with the plans and budgets. Is it easy, right? So, rest assured that what you are doing is the way to success. Remember, success will come to those who work right, earnest, and confident in their own abilities.


34. 12 Reasons for Creating a Budget


The budget is a guideline that leads to where you have to walk or take action to financial problems. The following benefits can be achieved if you create a family budget and run it well with the order.

1. Budget allows you to control your finances and not the money that you control.

2. The Budget would "remind" you before shopping or rubbing credit card.

3. Many people do not realize, they live beyond the ability of pegs alias of the new mast and realized after the debt trap.

4. Budget can help you achieve your goals or desires in a way to save or save money.

5. In addition to making your control to always buy what is necessary and always pay in cash, you also avoid the waste of money that is not obvious usefulness.

6. Budget to help the whole family to concentrate on the objectives to be achieved, For example, the desire to buy a new car or foreign holidays.

7. Budget your time to help prepare to deal in a state of emergency, big spending, or something unexpected might happen.

8. Believe it or not, a good financial budget and orderly can improve the quality of your marriage. Budget is good not only serves to make plans, but also as a means of communication. Run well, eating budget can make your relationship and your partner become closer as each spirit work be added together to achieve goals (buying a new home, for example), and reduce arguments about money problems. All of this makes you calm down so that marriage and sex life you both the better!

9. The Budget will show clearly, in parts where you spend too much money so you can reorganize and refocus spending to the essentials in order to achieve the desired objectives.

10. Budget to help you free from debt or no debt.

11. Budget allows you to have extra money can be spent on your personal interests.

12. Budget to help you sleep more comfortably because they do not have to worry thought, if the family finances just until the end of the month.


35. Three Way Capital Collect


You collect capital for the business divided into 3: Initial Capital Investment, Working Capital and Capital Operations, really? Now the problem, maybe there are some people who after reading the writing, Working capital was easy. The problem now is how to do so capital can exist and order to be collected? This discussion is interesting. Because of the difficulties many businesses raise capital. There are three ways to raise capital for the business:

1. Equity
First obviously, if you want to open a business, you can use their own capital, How can the taking of deposits that you have now, either from your savings or deposit, or it could be by selling the assets you have, For example, many people who sell the bike for more than a business capital, or sell the jewelry that she had.

Do not be surprised. Selling goods to increase business capital can be done by everyone. Most important, do not feel too dear to sell some of your assets to increase business capital. For example, if you do not have the money for business capital and must sell your jewelry, so sell it, Later on the assumption that if your efforts are successful, you can buy more jewelry the better.

2. Borrow
Borrowing money for business capital is also often done. By borrowing, businesses often do you dream can come true faster. Of Course, rather than waiting for their capital-not get together, better borrowed. Just, well here it is, because then you get capital by borrowing, so you really have to consider your cash flow. This is because you would have to return the money you borrow. Whether the return on a monthly basis, 6 months, or maybe years.


The key, if you borrow, keep in mind that many people are often too focused on how they can get a loan, but do not think about what they can do to return the loan. So, when borrowed, try to figure out how you can return the loan.
The tips are, when you think of the way, do not be too optimistic that the income from your business must be able to direct large first months. If necessary, make estimates pessimistic possible. From a pessimistic estimate, you must be able to assess whether the returns are going to do later can be smoothly or not.

3. Conducting joint
Well, instead of your own capital use all, or than you borrow, why you do not try to just work jointly with others? With long term cooperation, the risk of your business can be smaller because it must share with your friends. Just, you earn profits must be divided dong well. Lovable, his name alone cooperation, that is the risk in shared, so the benefits must also be divided. Yes what?

Now the problem, have or nothing whose will cooperate with you? That depends on you. Are you able to offer both a reasonable profit on the business you offer, But the offer is not enough profit lo. You also must be able to give a good approximation, is not proud of the people you want to cooperation.

One more thing, if you can, you give the explanation must also be reasonable, sober, and not merely describe the benefits to people who you want to cooperation. Well, now, you already know how to raise capital to start a business. I hope from the above 3 options, you can determine which option is best.


36. Evaluate Your Financial


How the hell do I do an evaluation? Do you have to remember again how much your expenses in detail since last January to December last? No. Principally, there are only three most important things you need to evaluate throughout the year yesterday.
1. Large expenses you
I know you're hard to remember the little expenses you throughout the year yesterday, much easier to remember the big expenses. Is not that right? This is what we'll do, remember, and if necessary rewrite any major expenses that you did the previous year.

Examples such as the purchase of electronic goods, vacations, motorcycles and others, Principle, try to remember back what big expenses you have ever done. Just think, if you are given the opportunity to repeat, whether you will continue to buy or spend money on goods and services that you have ever done? Thus, in the next year you have the opportunity to be more careful in spending money again in large numbers, especially for the purchase of goods and services that do need a big budget.

2. Which investments to Do
Now try to remember back what investments you've done in years past. Is it an investment in the form of deposit? Is it Purchases of foreign currency or Mutual Funds? Gold or what? Now, after you write it down, take a look and
think again, if all the investment you've already done it right or not.

If you feel right, thanks. But if you think there is not exactly, like you, really, so even a loss, hard to sell again, etc., so you can see if you need to repeat again that investment in the coming year, Right?

3. Your income
Well, the third thing you need to evaluate is your income, whether the number of numbers, as well as the source. For example, last year, whether your income only from salary? Or you have another income from trading? Or teaching for example? I believe that for this one, you will easily remember, Right? Now, after writing, see if you are satisfied with your income, such as whether you are satisfied with the numbers?
Or maybe the number of sources of income is the income derived from only one source does not make you happy for example? Such questions must be kept in mind while you write it down on paper. Well, the next evaluation you can decide whether you would do with your income in the next year.


37. Preparing for Pension Planning



If you want to have a pension for old age later, in the outline there are three paths you can take:
1. Your Office
Office can save you money, as well as manage it, add it if necessary, and when you retire, you will get from their retirement income. This is more or less the system is also used by the offices in the government.

In private companies, rarely have company pensions that would pay its employees, that there is that they only became an intermediary of money saving employees, for then they have invested themselves. However, there are also private companies that work with financial services companies to provide retirement programs for its employees.

2. Financial Institutions Pension Fund
In addition, you can also save for old age by following his own program Financial Institutions Pension Fund, is a pension program managed by a Financial Institution Company. In this case there are two financial institutions are allowed to become a manager of Financial Institution Pension Fund, the Bank and Insurance Company.


Simply put, the Financial Institution Pension Fund, you pay fees mutually agreed that the amount (usually around 5% - 10% of your income every month). The amount should be deposited continuously each month until the age of retirement you want. Could age 45, 50, 55, or 60 years, well, when the retirement age is coming, you will get a pension income amount Routine which usually remaining until you die. It is quite easy to find information about Financial Institutions Pension Fund. You can find information about the insurance company or bank that provides such programs.

3. Saving Yourself
Many of the easy way and many people choose to prepare for old age savings, For example, if you can income per month, you can save as much as 10% of the amount of your salary per month into an investment product that you can set yourself. After that, you also saving own. For example, you choose to deposit your money into savings in the bank and then you alone are to come into the bank and deposit money, if the money had accumulated quite a lot, then the money in savings that you can move it to the deposit because deposit rates are usually higher.


There are also some people who choose to deposit money into gold. Way, they buy gold on a regular basis every month, so continue until they retire. This is because they believe that gold - ever - the price will never drop, thus, if when they need it, they were living selling gold. In addition, insurance can also be an option. Today there are many insurance companies (life) which sell life insurance products as well as retirement benefits, where when you were 50, 55, or 60, you'll get some pretty good cash.

Now, of course up to you to choose which one, because all are equally good. But while you have not decided, maybe the safest course is to first saving to your savings and deposits, given the bank's products are products that I feel most familiar to us all. How about the percentage? Surely there must be a special calculation that we should do. But to start, you can set aside 10% to 20% of your income into the savings.

Later every time you are saving enough, move it to the deposit. And so on. While there were plenty, try to take part and move into gold and mutual funds. So, your retirement savings will consist of several investment products as well. Thus, if the value of a product you investment down then it could be covered from the profit you get from other products.


38. Monitoring of Online Personal Finance


It seemed only yesterday received a salary, but money is thin and does not know where his run. For this to not happen again, you should create a budget and spending personal or family finances. Try online or through practical software.

1. Manage Money Online
For those of you who have an internet connection, you can now control the online finance. You can just sign up for free in one website which provide services in preparing your expenses and income it every month, by having an account on the website you can manage and control them from anywhere as long as there is a computer network or the Internet through mobile phones. You and your partner can monitor together.

Menus are provided by the website belonging to easy to understand. The features provided include the Budget to adjust the budget in every month, set the account that is used, record every transaction both income and expenditures to monthly and annual recap.

The categories that have been provided in the transaction, including a complete menu including eating and drinking, clothing, entertainment and health, each transaction should be recorded so as not to forget. Excess of the website is that you can record every transaction in real-time anywhere as soon as possible. Suppose you make purchase new clothes at the mall, you can immediately record the transaction by accessing the mobile version of the website and also directly recorded transactions in your account.

Here the menu is also available which contains the Transaction Scheduled routine transaction that happens every month as salary, debt and the other noted. For debts, you can adjust the tempo of the debt that we can set the appropriate time to pay. You can control the spending in the Budget menu. In this menu there are chart and budget information and the number of dams that have been issued every category.


My-Family Accounting issued by Metasoft Technologies is the software that helps manage the family finances, with a system for recording financial transactions simple that even a layman can understand about accounting, Minimal to record personal expenses or family expenses. This software helps users in making revenue and expenditure budget based on the monthly average realization of revenue and expenditure preceding months. So users can determine how far progress in managing money.


One convenience of this software the user can see the Post Intelligence System. Users only need to answer various questions raised lines in accordance with the financial transactions carried out. That way, the user unknowingly had to post to the General Journal, Ledger and Double Entry System automatically. And periodically the system will perform the calculation of depreciation (depreciation) are automatically and instantly by adjusting the conditions of your family assets as a whole. With affordable prices, buyers are entitled to receive a lifetime warranty applies only MyFamily Accounting software as intangible assets.


39. You should to know about Money Game Business


Some of us may never get money gaming business proposition. In fact, these businesses are often good for those who just joined but not good for those who join later, What and how the money game?



Apparently still interesting, yes, the money was attractive bid. And it seems ever whose name the money is interesting. But if something happens later on how you respond it? For example, the company is not responsible with money that customers have in deposited or bankrupt companies, as often happens in companies that provide business systems Multi Level Marketing recently.

Please note that the businesses that rely on recruiting just like that (without any product being sold) is called Business pyramids. Sometimes, this pyramid business called Business Money Game, This business commonly known as Business Doubling Money. How can the characteristics of such a business?

1. About the Multi Level Marketing Company
Companies that conduct business is usually said that his business is Multi Level Marketing business. The use of the term MLM money game companies usually is because they do not want business people so lazy to join if they are blatant money name game.


Therefore they are usually called himself Multi Level Marketing, although the name of their company is not listed on the Direct Sellers Association is an association of one of its functions is to filter out which companies actually do business direct sales, either by using the MLM system or not). If their names are listed in the Direct Selling Association, they must have been a true MLM company. That's why, sometimes game companies such money is money gaming companies masquerading as Multi Level Marketing.

2. Must Determine and Preparing Capital
You will be asked to pay a sum of money large enough only to register it. The amount varies, usually with a minimum amount of funds. That sometimes can actually be quite large, considering Multi Level Marketing Company which is usually just ask for the true cost of registration, the amount determined and does not include products.

The low cost of registration with the MLM company are that all people can have the same opportunity to be joined, while the company's money game, the high cost of registration is requested is because they have to pay a bonus income for the people above you that had already been joined. In a true MLM company, the application fee must usually be able to reach, because the bonus money will be paid only be charged on all products sold, not the cost of registration.

3. Business Products Money Game
Money gaming business usually don’t have a product to sell to consumers, Yet this is really a key factor of a genuine MLM business. Therefore, in order to be seen as an MLM, some companies are money games and make products to be sold, However, there often is that the products sold has quality and quality mediocre.

In MLM company, there must be a product sold (whether it be goods or services), and the product must have a good enough quality to compete in the market. Factor of this product is actually also a key factor of a company to be called a MLM or not. If a business is offered to you will not have a product, or the quality of their products just random, do not call it a MLM business, it's obvious money games.

4. Decision and Risk Following Money Game
Money gaming business often benefit only those who first joined, as for the people who joined later are often just a victim, whether the company went bankrupt, running or closed, or because the people who joined later are often not able to have a greater income than the people who joined first.

That is why a business like this is also called a pyramid business. If the true MLM company, even if you join later, you can have a chance to earn a much larger than the people above you who have joined earlier. Now's your decision whether to stay will join the money game business is offered to you or not. Want to go even that's okay because there are no state laws governing such businesses. Only, you have to bear the risk.


40. Apartment Buying Tips



If you want to buy their own home, but still thinking of housing or apartment, the problem is, if you buy in the housing, the location of settlements is now further away from the city center. Meanwhile, if you buy an apartment in The middle of town, of course you will be puzzling over his maintenance fees each month high. With a monthly salary that you earn, approximately can you buy an apartment, following her treatment costs per month? Many solutions and the way you can do to buy an apartment. However, with the income that is not too big, it's rather difficult to installment apartment in midtown.



Apartment location was strategic, but of course the price is higher than the houses in the suburbs. For these types of apartments, the smallest unit usually reaches a dozen installments million per month. Maintenance fee was too high enough, according to the rules applicable maintenance fee in the apartment. Not to mention the value of the apartment building will decrease with time.


The solution, you may be considering buying the land first. While you do not have enough money to build it, the land could be saved first. Because its value tends to rise or at least not decrease. Together with the value of the land that you installment, plus increasing your income in the future and interest rates are more economical, you can sell your land and replace it with another investment property, For example, apartments, houses or larger land and strategic location. Gradual manner so this, you can finally realize your dream to have a dream apartment.