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IV. Mamih Happy, Business, Management and Financial
12/03/2010


1. Seizing the Market Through Product Variations


Introspection that market players need to do financial services and priority banking is why marketers more easily accepted foreign customers. There are several reasons and causes, including:

First, the products offered. Today, the variety of products and services owned and offered by the financial services sector in other countries should be recognized more varied and attract investors. Their products are judged more attractive than owned and offered priority in the domestic banking.


Therefore, solutions can be considered are the ways to form partnerships and develop synergies through a number of players in the financial services sector such as life insurance, general insurance, capital markets and related sectors. These strategic alliances not only domestically, but it can be considered for a similar process with the players in overseas markets like Hong Kong, Australia, Singapore, United States and others.

If the priority of our banking may have and offer financial products that comprehensively to clients, both types of on shore and off shore, it will affect the customers of the segment-rich and very rich (high Net-worth individuals). They will then consider and invest the funds in the priority-existing banking without having to go abroad.


Second, energy wealth manager, In addition to product quality, it is no less important is the quality of professional competence (Human Resources) owned priority banking / wealth management. Because, in principle, the marketing methods which do priority banking or wealth management officers is through marketing officers face to face (retail) with a customer or prospect segment customers a quality of rich and very rich.


To be able to penetrate this market segment, it takes confidence in banking institutions, macro-economics, and the individual officer, priority banking or wealth management officer, related to these beliefs officer priority banking or wealth management officers may be heartened to have the trust of customers better than counterparts of other professions in the financial services industry such as insurance agents. This can be explained because we are still banking community minded than insurance. This is an advantage or profits from the viewpoint of officer priority banking or wealth management officers themselves.

Apart from these conditions, to deal with specific cases, clients and candidates face a tough customer and was well assured, educated, trust officers of priority banking or wealth management officers would be obtained if the officer is able to show and have the quality of professional competence as wealth managers.

Because a wealth of professional managers capable of providing comprehensive services to customers or prospect customers ranging from stage to collect data and information to make recommendations and review (review) the wealth management on a regular basis.


2. Providing Added Value for Customers


Era of globalization is happening everywhere. At present, we can simply follow the events that occurred in the other hemisphere via the internet or just see the impressions-impressions on television. So much information can flow easily we get, but how to select the information useful and not.

In the financial services industry consists of some markets such as financial markets (banking), capital market (securities companies), insurance market (life insurance or general and social), as well as financial markets (multi finance or leasing), the impact of globalization is happening.


We can see the integration of the products offered by each of these sectors, so that ordinary people is difficult to distinguish between banking products, capital markets, insurance, and others. Today, when we read the news, information or press releases issued by the company, interesting to be listened to is the almost the entire board of directors is proud to claim:
1. First, the company's world-class standard, whether it's because of capital structure, or because the total assets and total market share obtained.

2. Second, the company has a quality product and a diverse variety of products and world-class standard. And third, the company has information technology systems world-class standard.

However, behind all these statements, it is important to us was how to refer to the quality of professional competence of employees and staff working in these companies? Does the company already has and has employees, especially in the front lines and the supporting lines (back liners) the quality and standard of the world.


Standard of the world does not mean that the employee or staffs of companies or banks that work are those foreign (expatriate). However, they are employees or staffs who are on the front lines (front liners) and supporting lines (back liner) that has the quality of professional competence.

Employees / staff who can think and work in a global concept, but in its application due observance or aspects of local touches (think globally and Act locally). Indeed, for executive-level employees who worked in the banking sector, especially the quality of human resources has no doubt. However, in daily activities, especially in priority banking or wealth management division directly related to the customer or the duty to seek and obtain new customers is the front liners.


They really relate directly to its customers priority banking, both from the middle segment of the rich or the very rich and who are classified High Net-worth Individual (HNWI) or rich people with a minimum net worth of over U.S. $ 1 million or ultra high net-worth individual.

3. Identifying Potential Giving Fund



Sources of private loans outside the banking, before someone start a business, There are three sources to obtain personal loans, ie relatives, friends, acquaintances (acquaintance business), and angel investors or investors who really help without anything in return. Furthermore, in this second article 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. Well, we are also able to fund loans with no collateral loans and credit cards. But, it takes a high interest rate, no extra costs, and necessary 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% 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. Well, if the perception of the borrower and the same funders, lenders can participate as mentors 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 percent of the possibility of there from peers and relatives, another 50 percent were coming from old friends who are successful. 'So expand his list. Do not hesitate.
a. Narrow the list: This is done by giving the four characteristics in the list.
b. Trust: people must believe in funder with us.
c. Have business experience: This is important because he will see sense in business.

Not have problem with us: It is also important, given the three points above could have been 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 included in the logic of these people. 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.


4. When is Time to Sell Mutual Fund Products?


With the situation that the stock market slumped, as a candidate for mutual fund investors, of course you have a lot of questions due to your curiosity as a new customer. How should you react? Whenever you can start buying mutual funds? What types of mutual funds are most appropriate?

Under these conditions the situation is very worrying indeed when we see the short term. However, if we have a long-term investment goals are precisely the opportunity that may not happen again. Moreover, we make an investment by way of cost averaging, or the average monthly expenditure. Look, every time almost all stock prices corrected.


Now, the situation is very good for buying mutual fund shares because stock prices are cheap. To remember in our investing either directly or cost averaging is not to change the investment objectives will be achieved. That is not less important is not affected by the risks that will or we already know before investing in mutual funds, In particular, based mutual fund shares because it is very volatile for the short term. So, we recommend long-term investment or on five years and adjusted to the needs to be achieved.


5. Benefits and Risks of Investment Shares



Two elements are inherent in any capital or funds invested are the result (return) and risk (risk). There are reciprocal equilibrium between the yield and risk, generally if the result of a higher kind of investment then the risk is too high. So did the stock of investment in general, which has a risk and high results, High risk and high return.

Investment in shares, in addition to the opportunity to get dividends and Capital Gains, Investors have the advantage of the stock nature of the Flexible and Liquid. The following descriptions:
a. Dividends, ie the company's profits are distributed to shareholders at the Annual General Meeting (AGM). Because stock ownership is the evidence of the issuer (issuer company shares) then the investor / shareholder entitled to a share of company profits.

b. Capital Gains, the profits derived from the sale of shares in the form of the difference between the selling price higher than the purchase price.

c. Flexible, shareholders may sell some of its shares if a sudden need of funds. Unlike the investment land, property, gold and so forth that must be sold as a whole.

d. Liquid, the principle of good delivery and good fund in the capital markets to ensure investors get the shares and funds, with the provisions of 3 (three) days after the transaction or known T +3.

The risks that can occur in stock investments, among others:
a. Capital Loss, the loss of buying and selling of shares, of the difference between the sale prices is lower than the purchase price.
b. Loss Opportunity, ie, a loss that can occur as a result because the company or issuer liquidated, but the Liquidation value is lower than the stock price.

So what can be done to minimize these risks? Investors are encouraged to diversify investments in several instruments, for example: stocks of several industrial sectors, stocks and shares and deposits or bonds. One-me-online securities are registered in the Capital Market Supervisory Agency). In these securities may be given all facilities to the customers reply e-Trading joined in, starting from the transaction fee,-in system for online trading can fully accommodate all types of investors.


6. Buying Bonds Retail Profits


Before discussing in detail about the State Bonds Retail, first we must know what is meant by Retail Bonds? The State Bonds Retail is the kind of state bonds sold in retail or retail with a relatively small fraction. Retail or retail trade in goods, as the notion may be sold in the form of small fragments in stores or kiosks.

Principle is the same for the State Bonds Retail, not just the trade in the market, but in a bank or securities firm appointed by the government. Retailers also contains mean that the sale and purchase of small scale and can reach the wider community. Little sense for this bond measure is a multiple of the value determined by multiples above and beyond with the largest fraction Billions.

Issuance of this State Bonds Retail began in 001 series in 2006, previously, have also published the government securities called a series of state bonds FR (fixed rate) and VR (variable rate). Fixed rate has meant that the promise of a fixed interest rate until the bond's maturity, while the variable rate with a floating interest rate moves as changes in market interest rates applicable.

Later, the state issued more bonds with zero coupons, which means the government does not pay interest regularly. However, the selling price is discounted and the repayment remains 100 percent, Government bonds was first launched in late 2002. Actually, government bonds also existed in the 1950s, with the purpose of national development financing. Benefits that can be achieved if you buy bonds of countries, including Retail Bonds is getting capital gains and interest, and avoid the likelihood of default.


Capital gains would be obtained if the market interest rate lowers than the interest rate (coupon) bonds of the state, Capital gain will arise if the investor sells the bond before maturity. In the meantime, the default is that if governments have both defaulted on interest or coupon or flowers.


The Retail Bonds special advantage is the first, can be purchased with a small scale with a minimum of 5 million, easily bought and sold through sales agents who are appointed, this shows a very high liquidity Retail Bonds, Finally, interest or remuneration paid monthly results.


7. Investment Diversification through the Retail Bonds



State Retail Bonds is an investment vehicle for small and medium-scale with the retail classification. Through the purchase of ORI, investors have been diversifying its investment portfolio to build wisely. On the other hand, the government created the means to invest for the community at large. It can provide income to the investor community at large, as well as introducing investment vehicles other than bank deposits.


Investor ORI possible to get higher results than deposits and capital gains. In addition, investments in ORI avoid the risk of default or failure to pay. Purchase and resale will not be a problem, because the dealer would hold if investors want to sell back. However, investment is always risky, similarly, when investors bought Bonds Retail. Loss or lost capital may occur when an investor sells when the price falls, Bonds Retail prices will fall if the interest rate of Bank Indonesia Certificates (SBI) and deposit rates move up.


If the bonds are not sold at the time rates go up, prices will be lower than the purchase price, investors do not lose money. If the investor decides not to sell and keep to maturity, they will get 100 % repayment of principal. It is understandable, for active investors, the opportunity to get an optimal return on investment may not be achieved. In contrast to the passive investor, it will not be a problem.


8. Which one interesting, Mutual Funds or Deposit?



Savings accounts and deposits in banks of course you often hear. In fact, you also have savings accounts or deposits in the bank. However, have you ever heard of mutual funds? You often get the information that investing in mutual funds can provide higher returns than banking products, then, if you ever think to diversify the allocation of funds to mutual funds? Here are the things concerning the distinction between mutual funds, savings, and deposits.

Conventional mutual funds consisting of money market funds, fixed income, mixed, and shares similar savings products. Investors can place and withdraw cash at any time. While mutual funds similar to glimpse protected deposits.


Then, if the difference between mutual funds and banking product, Basically, savings and mutual funds are divided into several things. First, the entire banking products issued by banks in the daily operations within the local State Bank supervision. You put the investment by making deposits of funds, then given a certificate of deposit or savings book or card as proof of ownership.


Meanwhile, mutual funds are investment products of capital markets published by the investment manager with the custodian bank, this product under the supervision of the Capital Market Supervisory Agency and Financial Institution.


You invest in mutual funds by buying mutual fund units. Next, you will gain ownership confirmation the letter units and balance reports given each month. The second difference is related to profits. When you save money on banking products, known as interest benefits and the amount determined at the beginning at the time of placement and the funds are uncertain.


While the results from the mutual fund investment is more often referred to as the return or yield, although mutual funds have the potential for higher returns than banking product, return it fluctuates following the net asset value per unit of participation. When investing in mutual funds, you can obtain the investment results in two ways, namely resale units or mutual fund dividend.


To this end, the impression that investing in mutual funds are riskier than banking products. This is true, as the adage that you often hear, that is high risk, high return (to get high results, the risk taken should also be higher). However, it does not mean mutual fund is an investment that should be avoided, The differences will then explain how the actual risk of mutual funds are not as high as you imagine.


9. Considering Investing in Mutual Funds and Banks



Unlike the banking products that will record all public funds in financial accounting, investment funds in mutual funds are recorded separately from the accounting firm of investment managers and custodian banks. Why?


This happens because the mutual fund is a separate legal form, Establishments conducted by the investment managers and custodian banks based on legal entity deed and must have basic bookkeeping and tax number. In the event of bankruptcy, you will receive back the funds saved in the bank from the payment by the Deposit Insurance Institution up to a particular value or from the liquidation of assets.


While the mutual fund, if the investment manager or custodian banks declared bankrupt, mutual fund investors will receive back their investment funds in accordance with the net asset value / last unit. Alternatively, the management or administration of these funds transferred to the investment manager or other custodian bank based on the approval of the Capital Market Supervisory Agency and Financial Institution.


Another difference, at the time you save in the bank, the funds will be managed by the bank to bank can pay the promised interest rate. The management of these funds transferred to the policies of each bank. When a bank incurs losses in managing these funds, you will not come lose, and still earn interest as promised. Similarly, if the banks obtain huge profits, you will not get anything other than the promised interest rate.


Conditions are different when you invest in mutual funds. You as the owner of the funds "could also determine" how you managed investment fund, How, by making the choice of mutual funds in accordance with your wishes. Is it money market funds, fixed income, mixed, shares or protected.


Each type of mutual fund has yield characteristics and risks vary, Furthermore, if the investment manager to manage your funds properly in accordance with investment policies set forth in the prospectus and produce high yields, the result is yours. However, if you find that mutual funds lose money, you also have to bear the risk of losses.


10. Understanding about Mutual Fund Products Regulations


Regulations governing how mutual funds work very different from the banks, this is intended to provide protection to investors. In mutual funds, there are several parties concerned, Investment manager with the custodian bank issuing mutual fund products. Custodian banks charge to store and do all kinds of administrative activities in the management of mutual funds.


Meanwhile, the investment manager in charge of managing mutual fund investments in accordance with existing regulations and investment policies in order to obtain maximum results. Both have an unaffiliated party. This is intended so they can watch each other. If one party in breach, the other party shall report the matter to the Capital Market Supervisory Agency and Financial Institution as the capital market authority.


Separately, investment managers and custodian banks provide separate reports for the managed investment funds to the Capital Market Supervisory Agency and Financial Institution a regular basis.


If the consideration of the Capital Market Supervisory Agency and Financial Institution, one of the parties are considered incapable of doing his duty, capital market authority has the right to order that mutual funds are transferred to another party to protect you. In addition, there are other parties that a mutual fund dealer. Usually, banks charge to assist the investment manager to market the mutual fund units to investors.


11. Term Investment in Mutual Funds


Investment period in the banking and mutual funds is different. In banking, the placement period is generally short-term funds. Savings products can be withdrawn at any time, while time deposits of one month to two years. Usually, the shorter the investment period, interest will be accepted would be lower.


Meanwhile, in investing in mutual funds, you can set the investment period in accordance with the needs and investment objectives. Customers can invest ranging from short to long term. While in general, the longer the period of time to invest in a mutual fund, the higher the investment results. However, customers kept open the possibility to earn high investment returns in the short term.


Related costs, the bank will charge a monthly administration, particularly on savings products. However, the mutual fund, you will pay for the cost of purchase and resale units in accordance with the policies set forth in the prospectus. Then, how you can get around obtain the potential yield as possible by investing in mutual funds?


Every mutual fund has an investment policy to allocate funds in a particular investment instrument. The funds are professionally managed by investment managers in a portfolio managed in such a way that gives maximum yield. First, determine the investment objectives and the necessary duration to meet the needs of your life already planned. Then, identify the character of investment, especially the level of risk you are able to receive.


Next, specify which mutual funds are most appropriate for investment needs. If you are conservative, that is only able to accept low risk investments with maturities of short time, ie 1-2 year, you are fit to invest in money market funds, however, if you type a moderate risk level is, you are fit to invest in fixed income mutual funds with medium term, ie 3-5 years.

And if you are the type of aggressive, understanding of the risk of high risk high return, and has an investment period is long, ie 5-10 years, invest in mutual fund shares. You've saved. Investing in mutual funds is the next appropriate step. Have you invested in mutual funds?


12. Start Year Financial Resolutions 2010 with SMART



Tips from the Citibank name, initial steps to manage finances better is to evaluate your current financial position, namely the re-asset records (whatever you have) and how much debt you have. Good way to manage finances is used to create a budget where you can monitor the income and expenditure.


Based on the survey Financial Intelligence (Financial Quotient) from City Indonesia, only about 29% of people who follow a monthly budget that they create, while 82% had at this stage of trying to create and follow a budget.


For the start of financial management and tidy up after you know the current financial position, and then it is good you set goals and how to achieve your financial goals. Objectives and Financial Plan is SMART (Specific, Measurable, Attainable, Realistic, Tangibles).
1. S (Specific) - Define a specific target, do not just say "Starting next year I'll be more diligent saving." Determine how much savings you want, start when you save money and in how long you will obtain the desired value. Thus, you can also become more disciplined to set aside some funds to be saved per month.

2. M (easy to measure) - Define measurable goals that can help you monitor whether you are on track to achieve goals. If your goal is to raise funds for the down payment for a new house next year, then determine how much money from your income should be set aside per month. Each month you can measure had reached where your financial position.

3. A (Will be achieved) - Make goals you can accomplish and think long term, but still find the small goals that can help you achieve greater results. Suppose you want to have a USD 15 million in a year, then the small goals you need to accomplish each month is to save a minimum of 12 months.

4. R (Realistic) - Creating financial goals must be realistic, because if not, you could face a very big failure. For example, you aspire to reach the target 60% rate of return on investment within a year.

5. T (Goal Real) - the real goal is the achievement of something that really exists, and can be measured. You will be motivated to set higher goals if you ever reach that goal ever before you decide.

Involve family members in setting financial goals, because they too will support the achievement of these goals. Write down these goals and review from time to time, this will be very helpful in achieving your financial goals.



13. Easy Tips For You Can Bank Loans


Want to develop business? You'll need a capital. There are many sources of funding you can get. As of close friends, parents, cooperatives, or banks. But that need note, there is always accompanying requirements. Well, if you want to borrow capital from banks. Banks will assess in accordance with the principle of 5 C, the character (character), capital (equity), collateral (security), capacity (capacity of business), and condition (business conditions).


For the character, the things that visit include a commitment that built the business, business records such as suppliers, customers, and the history of banking. Banks will see if your business has a history of troubled loans or not. From the capital side, saw the bank needed capital to businesses. Banks can’t provide 100 percent financing to businesses that make capital. There must be self-financing (own capital), whether it comes from paid-in capital or accumulated profits into capital.


Capital, among others, viewed from the composition of ownership that anyone, who the dominant currency, and who board the capital. This is important, because by knowing who is in control of this capital, the bank will know how to run business continuity in the future.


Of this loan, the capacity of the proposed business is also a contributing factor. Bank, among others will see the results of sales, cost structure, cash flow, the velocity of charges and fees on income. Banks lend capital, with the meaning of these banks are also want the sustainability of return on capital, in the proposal, the capacity of this proposed business is very important status.


For business conditions are seen are usually permissions. To guarantee what could be guaranteed, there are two types of collateral that can be used as collateral, that is tangible like equipment, machinery, vehicles, buildings or land, as for the guarantees of such intangible personal or corporate guarantee as security provided credit insurance.



14. Ways of Addressing Global Financial Condition



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


Bank Indonesia provides specific tips in dealing with the global financial conditions. The main thing is attention to the risks that are not only appear on the product itself, but also considering the external risks of a country's financial system is now no longer stand alone but is integrated with financial systems of other countries globally.


Here are tips to consider potential investors:
A. Risk Investing

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


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


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

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

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


For mutual funds and banc assurance products, need to understand the risks carefully and consider whether the amount of risk that the product in accordance with the expected. As a prospective investor, you are entitled to ask for an explanation of the bank's terms and conditions apply regarding investment products that will be used.

Of particular interest in saving money and investing:
- Remember, each type of savings and investments that give high yield generally have a high risk as well.
- Get familiar with both the financial institution where you save or invest your money.
- Know and understand all the risks inherent in financial products that you use for each type of savings and investment must contain risk.
- Customize the type of savings and investment with the level of risk you can accept.
- Be rational in the face of the investment offering that provides a high yield in a short time.


15. "If Not Understood, Do not Play Derivative Transactions"


Derivative transactions require special expertise. This transaction can only do customers really understand the risks that will happen. Derivatives transactions are usually done between two parties, or bilateral. It causes no supervision or oversight. For that to which the derivative transactions must understand the risks and benefits that will be able to. If you want to go to learn first, if necessary, have the financial experts from banks.


In such transactions is not true if the bank's position is higher (superior) than the customers, because they both agree on contracts. So far, banks look superior because banks will not allow have an open contract position or loss would be greater than the number of transactions. "The position of the banks are not superior, the same initial position.

Therefore if there is a default could actually be done in various ways, depending on the agreement. Bank customers can change the losses in the form of credit. This is better than no solution at all if the customer fails to make payments. Banks can do under the agreement for the settlement of hand derivative transactions.

This so-called uncommited credit facility is to anticipate if the customer fails to pay. This is important because if not will be recorded as bad debts. In the settlement of derivative transactions or restructuring, high integrity is required, because in terms of derivative transactions, usually if you have a profit, which enjoy the benefits of quiet, but if it suffers losses shouted.


16. High Investment Risk? Who's Afraid!


In the midst of the collapse of stock exchanges globally, including the Stock Exchange, playing the stock is very risky. Savings or deposit money in banks would still be the choice of many people today. Besides safety, the risk is too low. However, comparable low risk, return on investment that was not as high as risky investments like stocks.


With low risk, deposits will not be a money tree that we can harvest with joy. High returns can only be obtained with high-risk investments as well. Financial planners are also practitioners Elvyn G Massasya banking in his book "50 Secrets Managing Money" invites us to dare to take risks with other investments glanced outside deposits, one in the form of securities.


Investments in these securities may be categorized in several forms, including the risks. First, mutual funds, although the pamor had drowned after the financial crisis and 1997, mutual fund investment are now back and continue Moncer investors hunted, However, all investments have a risk of profit and loss, including mutual funds, Moreover, mutual funds consists of several forms, ie equity funds, fixed income mutual funds, money market funds and mutual funds mixture.

Investments in mutual funds are influenced savvy investment manager mix contents, for example, mutual fund shares. So stocks contained in the mutual fund would be an important factor.


Second, the stock, Stock investments considered promising, but at the same time worrying about if not managed properly, because we can get a tremendous advantage in daily, but also vice versa. Third, the retail bonds in the world of investing, bonds are not new. But retail bonds that later emerged can be an alternative 'empower' our money. Retail bonds, the value is not too large and in various forms of fractions with a minimum value of 5 million.


But before long step with these retail bonds, is useful to know the characteristics and implications that we might receive later. First, bonds are long-term investments with maturities of more than one year. Bond buyers will get a coupon yield of the bond rate. Second, the risk of bonds, In this case the most important risk is the rise and fall as bond prices traded in the secondary market. If you want to secure, should the bonds be held until maturity. But if you want to reap huge profits, we can make transactions on the secondary market.


17. Managing the Central financial district in Economic Crisis



Electrical current financial earthquake in the United States increasingly felt in several countries. If the crisis continues, not only financial institutions or agencies are subject to receive the effects, the family finances can also participate in shock due to loss of jobs or the high prices of basic needs.

So what should be done in the midst of financial crisis, so that families don’t participate broken? Of course the first thing to do is to control lifestyle by avoiding consumerism. Because there is a decision the banks of each country raised its reference interest rate (rate) of 9.25 percent to 9.5 percent would make rising mortgage interest, especially consumer credits.


Second, set a budget for investment. In the midst of any situation, crisis or not, remains the number one investment. Whatever the amount of money that is still to be set aside, ideally 10-30 percent because we do not know what will happen next. This investment not only in the form of savings or portfolio, could also be in the form of gold, property and so forth.


Third, do not add to debt, especially the purchase of goods by credit card if you do not wish to pay high interest throat. Fourth, hold tight insurance policy. At the time the insurance crisis is necessary, so for those who already have a policy not to stop by reason of the crisis. Fifth, to control spending most dominant, the crisis is usually made prices soar, so there will be additional budget to buy basic needs. With careful control of expenses you are expected to continue to survive in the midst of crisis.


18. Difference Money Market Fund and the Permanent



If you have plans to invest the funds you have in mutual fund products, so before investing in any type of investment, we should know in advance what and how such investment instruments, especially mutual funds so that they can better understand their characteristics in terms of profit and risk. Definition of mutual funds under the laws of capital markets mentioned "Mutual fund is a collection of funds from public investors (investors) are then reinvested by the Investment Manager in the form of portfolio investments, which can form deposits, stocks, bonds or other securities".


To more easily, in general terms of the mutual fund is a collection of funds from public investors (investors) to then be managed by the Investment Manager and then invested in various types of financial products. Investment managers who manage mutual funds must get permission from the Capital Market Supervisory Agency. Further funds collected by the investment manager and then placing it in a spread set into a variety of securities instruments such as stocks, bonds, government securities and bank products such as savings and deposits.


Setting this fund placement arrangement is an investment portfolio. However, as has been explained that the investment portfolio of mutual funds do not consist of only one investment product, but dispersed to the various investment products. This distribution strategy known as diversification, the aim is to reduce the loss by spreading the investment risk. Based on a diversified investment portfolio, then mutual funds are divided into four types, namely:

First, the Money Market Fund, where the Investment Manager will invest a majority of more or less nearly 80% of money investors into investment products that provide fixed income such as interest payments and savings deposits. The remaining fraction is placed into the bonds (debt) short-term.

The level of potential risk Money Market Mutual Fund or conservative lowest compared to other mutual funds, Money Market Mutual Fund is suitable for you who have high risk but still want to get a higher return than bank deposits. Fixed Income Fund is also suitable if you just want to put money into mutual funds in the short term less than one year.

Second, Fixed Income Investment Fund, which the Investment Manager will invest most of the money investors (80%) into the products fixed income investments, especially in bonds. The rest (20%) is invested in money market instruments (government securities) or products such as savings banks and deposits.


The level of potential risk Market Fund Still including middle category tends to conservative, Fixed Income Mutual Funds suitable for you who expect a fairly steady income from the investment stable and not too volatile. Fixed Market Fund is also suitable if the placement of funds between one to three years. For those within the Permanent Market Fund potentially higher return than the Money Market Fund. But in the long term increase, such as remote-term annual increase of 10 Money Market Fund is not as high as the increase or Mixed Fund Mutual Shares Fund

That's less than the comparison of characteristics of money market mutual funds with fixed income mutual funds. Meanwhile, two types of mutual funds are, as follows: Third, Mixed Fund, which the Investment Manager will invest the money to investors in stocks and fixed income instruments, each with the composition of investment allocation roughly equal, 50 % : 50 %.


Fourth, Mutual Shares Fund, which the Investment Manager will invest the most money, or almost 80% into the stock, and the rest incorporated into fixed income instruments like bonds or money market instruments such as savings and deposits.


Imagine if you can it? If the mixture Fund has medium investment risk tends to aggressive, While Stock Fund has an aggressive investment risk. Both types of mutual funds is appropriate if the funds are placed in a Mutual Fund and Mutual Funds Mixed Shares will not be used in a long time.


For instance 10 years, means have to invest for the long term. Because stock prices fluctuate in the short term, however tend to take hold in the long run. The increase in stock prices in the long term potential is higher than the price fixed income instruments. But be careful high return worth the risk too high.


19. Adjust Expenditures after Termination


Lack of income is always a major problem the family's financial problems, the average person thinks that a large income is the answer for all the family's financial problems. The problem is that not everyone is lucky to have a large income and not necessarily also those who have large incomes do not have financial problems. You should therefore cooperate with the husband to make a family financial plan that aims to the husband's income could only provide for the family monthly current, but also one can always set aside for future savings.


The trick is to create a monthly budget plan that contains the routine expenses that can be financed by the family of your husband's regular income. At the time of receiving a monthly income of the husband, then the thing to do is pay some expenses have been budgeted. Avoid spending that is not in the budget, so that no penetration.


In making the budget must also be considered for a total expenditure not to exceed the total income. So do not get bigger than the pole pin, so that no budget deficit. Make a monthly budget prior to receiving a salary from her husband. If in the process of making budget expenditure was greater than income, then you can still make savings on expenditure posts. With the first budget, your expenses become more predictable.


The purpose of making other financial plans is that we can achieve financial goals to be achieved in the future. Suppose you want to be able to prepare children's education fund, This financial objectives are intimately associated with making a monthly budget that we have mentioned earlier, namely in terms of making the post-post expenditure budget. Meant to prepare for the education fund would be established an expenditure budget contains a number of funds to be deposited regularly into an education savings accounts or education insurance or other investment products within a certain time period, so as to use the funds already available.


If you already take into account expenses carefully, but was still short, so try to find other revenue enhancements. Looking for extra income does not mean having to return to work as a fulltime employee. Because there are many ways you can do to get extra income for the family, among others:
1. You still can work again but not necessarily full-time as regular employees. But you can take a job that can be done part-time or flexible time, such as a sales agent or broker property insurance.

2. If you have a skill that can be sold, then use all these skills so they can generate income for you. Your hobbies cooking, flower arranging expert, skilled sewing and mastering a foreign language. Find out the ways how you can offer these skills to people in need and how people want to pay to use your services.

3. His own business at home such as rice kiosks, selling clothes or open a shop, grocery shop, selling baby equipment, and others. Consider also to join the multi-level marketing, if you have experience in opening your business and a small capital.

4. Do not forget to invest. Advantage of interest savings or deposit is worthy of your income into account as additional income.



20. Child Care Business


Must leave the child to go to work it into the dilemma of working women anywhere, We often feel guilty when your child is still a toddler should be cared for by someone else. For those who still live with parents may be reduced sense of worries. But we could not bear to remember the more age whose have elderly parents may be very inconvenience to parenting toddlers who are fussy.


Being child care services so needed today, especially in big cities, where women generally work well, One of them is the child care services, which offers a place where child care services. Pastoral care here is more directed to the education development of the child, so can benefit not just leave the child alone, but also contribute to physical growth and development of children's intelligence.


Therefore, we usually find a full daycare with educational curriculum. To meet these demands, then at least attempt to open the preparation of child care services are as follows:
1. To place, plan to use your house in order to take market share around the home and office environment. You can change one or several rooms in your house a children's playground.

2. Basic knowledge of child care is absolutely necessary. In this case you need a professional like your brother is a former teacher Kindergartens reliable enough. But you still need a few more as the energy assistant nanny. You can hire a sitter for this. If necessary, hire an expert or child psychologist. For the baby sitter, at the beginning can hire one or two first, while experts can his first one. The number of employees and experts can be added along with the increase in the number of subscribers only.

3. Operational facilities. It means the tools that will support or to be used in business operations. Consists, among others:

a. Kids play tool that can be adjusted to the age of the child;
b. Food needs of children also milk;
c. Equipment device infants and toddlers;
d. Administrative tools such as stationery and computer

4. Financial preparation, divided into two, namely the initial investment and operational costs, Initial investment or start-up capital in and out in front to open the business, for example where the game and equipment. Since it has its own space you do not need to rent a place anymore, but the renovation and interior decoration may be required.


Furthermore, to bring a variety of games equipment is also required fee, the amount can relative small or large depending on the type of game provided. While operating costs are routine costs incurred each month, for example food and baby supplies and salaries of employees. Food and baby supplies provided sparingly. While salaries may be applied sitter minimal salary, and can increase depending on the number of children cared for.

For experts certainly requires high cost because it was recommended to offer profit-sharing scheme with the pattern of 30% versus 70%. Where experts have a larger part because of his expertise, and effort you are entitled to a smaller part because it provides the administrative and management practices.


For recommended rates based on daily services, weekly package or packages 3 months and so on. You can start with an appropriate price, while rates for large packages, but are included proportionally in consultation with experts. For example the package a week with a certain price and affordable and have consultations on the weekends. You can specify a more expensive tariff if the facilities and services provided are more complete.


The campaign for the early stages of mouth will be very helpful, because this service success rate is influenced by a sense of trust. First start of the kids around your neighborhood, In addition to easier having gained the confidence to know each other, your sister and even more easily control the best conditions the child wants in a house like his own. Then you can begin to offer to my friend office. Don’t forget to take advantage of the relation or colleague who has used your service to recommend this business in their neighborhood.


21. Secure Investing as in Stocks Fall



Surely you have a step forward because it involves groups of people who have set aside some funds to invest, moreover, investing in stocks that not all people dare to do. Investing in stocks is not like saving money in banks lower risk. Investing in stocks has a high risk. But remember that it was certainly high risk high return also.


Well, the point when the stock market is volatile. Even Securities Exchange in some countries trading to suspension chance after the stock index dropped to a few percent, of this blow to its investors, including you. What should you do in situations like this, do not panic. Do not just take off the stock you have. Respond to market conditions is fine, but should you have to have a guide or handle first, so when the time you need to sell your portfolio in stocks, please sell, but stay out of.


Guidelines or the handle of the mean in this case is the determination of the investment plan. Is the short term, medium or long term. From the beginning you also must specify the desired investment growth, for example, 20 percent within one year. Or you want the benefits of growth are higher in the long run.


Say, for example, you put 30% of funds in savings, Retail Bonds and Government Bonds. Then another 30 percent are placed in private and another 30% are placed in the instrument or mutual fund shares. But still BASED on investment growth was desired.


Well, in a situation like this, you can just change the composition of the portfolio owned, but must remain on a growth plan that has been set, so that when the volatile market, you do not need to be reactive and panicky by removing the existing stock in hand. In stock investment when it was about time sale, you do not have to worry about selling it. But if you have time, take first.


Of these different types of trading that investors should be able to simultaneously perform 15 times to sell or buy shares in one day. The question then, how do we anticipate a loss? One thing to remember, in whose name the investment losses certainly can’t be avoided, No one is in investing profits continue. People like to forget this. That's why there needs to be asset allocation or diversification by creating a new portfolio composition accompanied by the spread of risk.


22. Manage Debt in the Year of Tiger



Metal Tiger year will soon begin February 14, 2010. Although known for its courage, but, tigers tend to act from impulse and without thinking. Courage is needed, especially in the highly challenging world of today. However, the courage with wisdom means more than just courage without considering the circumstances.

From the financial perspective, courage is required to manage finances, either through savings or investments. However, at the same time, fiscal policy remains necessary, especially in managing debt. One form of the most common debt is through credit cards. If you have a habit of delaying payment of credit card and not pay the entire bill, you are not alone.



Based on data from the Financial Quotient survey conducted by Citibank, for 44% of credit card holders in Indonesia was not used to pay off credit card arrears. Party Credit Card Association also noted in the year 2009, total credit card problem is above fair value, which reached 9%.



At least there are several reasons that cause people owe the credit card. Life is difficult, because the debt due to a number of his salary cut or affected by layoffs, or diseases that require long treatment and not cheap, then due to the spree, shopaholic type of credit card users who really can’t stand if you see the word 'SALE' both in the mall and promotion in outlets shopping. SALE and shopping during the campaign had made them feel frugality, but the amount released exceeds the real needs. In the end, the shopaholic can only make a payment with a specified minimum amount the card issuer and the rest should hit left flowers.

The number of bills will eventually swell, with payments ranging 10% of the total bill. If you do not get paid, this debt can go on for years. It could also be due to factors borrowing. In other words, lend money to other people through credit card facilities or start a business with capitalize funds from credit card, Thus, for those who have not returned the money loaned or run a business that has not profitable, people with this type can’t pay back the loan funds via credit card. The things above are a brave tiger behavior, but less wise.


23. Laptop - Between Needs and Life Style


As with other gadgets, this laptop is not including luxury items, Use of this particular laptop like a fungus that lives in winter. Both of the young and old alike have been many laptops. Any variety of reasons emerged from the user, from the start as the need for work or study or as a medium to be internet cyber for free or just for style, Seeing the rise of the current use of the laptop just pep up the laptop manufacturer of various brands to create a competing laptop with various facilities and advantages of each that makes people interested to have it.

But really, how important is the laptop used by teenagers? Yes, all are subject to their respective users, because the laptop has now become one of the life style of young people, young executives and even upper-class businessman. This is not because a laptop can be a means to help all the work.

Physical form of a simple laptop, allowing the owner to be easily transported anywhere. As well as the many benefits of carrying a laptop. So no wonder, if the current among students and students competed to have it. When we were a walk in some places, we'll see many teenagers are busy sitting quietly in front of the laptop.

Moreover, widespread use of these laptops also have a place in various locations, from the start in place of public facilities, cafes, campus malls even have to provide free internet access via wi-fi, Widespread use of wi-fi shows, if current laptop has become a cultural metropolis.

Many students are often using his friend's laptop to do his job, because to him with a laptop all their college a job can be finished, let alone a laptop now has a facility wi-fi networks that allows users to access the internet for free. The students use a laptop as a medium for accessing the Internet more quickly and can be used wherever they may be, simply by having a modem so that they can access the Internet with ease. Moreover, there are various brands of laptop brands existing internet features, so that where there is wifi network itself can access the internet for free.

There is one advantage with the laptop itself can cyber in internet using wi-fi network for free. That's why the owners prefer a laptop sitting in the library to just enjoy the free internet facilities, in addition to a laptop brand that their concerns, form and its facilities are also on the priority, because for him to have a laptop also be adjusted to ease him. That is why many students who prefer to have a laptop with a slightly smaller size because of the ease with which can be taken anywhere.

Laptop now is being a belle among teenagers. One is certain, for the use of laptops could be used positively, it will give a positive effect also for its users. Vice versa, if used only for negative events, the laptop could become a thing of the "dangerous" for the life of teenagers.


24. Property Business World Still Optimistic Despite Crisis



Although the world still facing a financial crisis, but the developers remain optimistic that the sale of apartments and hotels throughout the world still has a very bright prospects in the future, They are very aware that despite the current financial situation is less ideal, they believe that the uniqueness of their products whose characteristics are a prime location and branding (brand-red) and the famous Four Seasons service, will provide incentives to buyers who are always active premium in any market environment, too.


Sheldon Adelson, mention it when explaining the government's decision to approve separation Macao Tower of the Four Seasons apartment hotel from the Four Seasons group components in other Cotai Strip. He said that legal separation will allow the company to move the apartment hotel building into "cooperative holding company" and sell the parts separately it should be sold apartment units in New York City and various other international locations.


Macau government approval to launch this way for companies to manage the cash flow generated by The Shoppes "at the Four Seasons which is a luxury mall area of 200,000 square meters located at the Four Seasons, The company's business plan is always anticipated the sale of apartments in the condominium or common ownership, in addition to managing the cash from a retail mall to 'deleverage balance sheet' or provide additional funds needed for future development.


Las Vegas Sands Corporation is an international developer and operator of integrated multi-use resort. The Las Vegas based in Nevada, Las Vegas United States that owns and operates a variety of famous buildings such as The Marina Bay Sands in Singapore and The Venetian Macao Resort-Hotel.


They also explained that while waiting for the Macao government's official approval, his department has received many orders during the last few weeks to reach 22 per cent or 65 units of the project with an average price of more than 1700 dollars per square meter. This order actually came from the people who live outside mainland China, Hong Kong and Macao itself.

25. Benefits of Public Relations in Business



In his book entitled "Public Relations", Frank said Jeffkins special benefits that include Public Relations PR usefulness in the management or implementation of, among others:

1. Crisis management
Not a single crisis-free firms, Have minimal risk of experiencing a crisis. So public relations team is in charge of corporate structure to solve the crisis with a series of preparation and readiness of its own.

2. Desk-top Publishing
Public Relation is responsible for corporate computer's internal journal. Therefore, companies typically have the internal relations to take care of it.

3. Corporate identity
Corporate identity is a communication vehicle for all company employees, shareholders, agents or dealers, consumers, financial institutions and various other parties who have an interest and connection with the organization. Public Relations team is part responsible for creating and maintaining a corporate identity.

4. Parliamentary Relations
Public Relation mandatory parliamentary relations are good, Parliamentary relations in this context is the relationships between the various organizations with the government, parliamentarians, and bureaucrats from various ministries and government agencies. Legislator or public regulator is very important in a company's sustainability efforts.


26. Internal Relations


Of course, a very important aspect for the success of the organization is the employees. Before there was a relationship with consumers, customers, environment, investors and other parties outside the organization, management must first noticed orang2 working on them - namely the employees. therefore, the Chief Executive Officer of the organization's employees often view them as "public number one" or "the most important organizational asset," and they try to create a "cultural organization" that can attract and retain employees or workers who are productive. Part of the Public Relations practice is called internal relations.


Internal relations expert working on the "employee communications," "employee relationship" or "internal relations", They are designing and implementing internal communications programs with the goal of keeping employees informed of new and stay motivated, and creating organizational culture. Jon Iwata, a vice president of communications at IBM states that, "When they talk about employee communication, they really thought about it in terms of corporate culture.
- How the work done in our company, how we look at something here. "He indicated that Chief Executive Officer, has always played an important role. 'Chief Executive Officer must make a business run and implemented and that employees needed. In order for the results achieved, the employee must be with you."
There are two factors that explain why the management to respect one aspect of PR function is:
1. The importance of understanding, teamwork, and commitment of employees in achieving the standard results, Positive aspects of employee behavior is strongly influenced by two-way communication throughout the organization interactive.

2. The need to build a communications network - a manager, a network that makes every supervisor at every level can communicate effectively with employees. The need is not just which information related to the task and must include the public and business issues affecting overall organizations.

Newsletter has long dominated the employees, but the technology change the message delivery method in the organization. At IBM, for example, an intranet has replaced the Grapevine and supervisors as a credible source of information for employees.


Internal relations staff worked with Department of Human resources to communicate a variety of news, training, and other important topics to the employees. They work together with the legal department in communicating matters related to employment during the contract negotiations and termination of employment. And internal relations staff also works closely with the external relations staff to coordinate for messages, So that the companies coordinate, the messages that the company put a statement in the "one time.

As a company that went public, the company needs PR team that conduct activities in Public Relations events around the financial or business in order to support his client's company plans to enter the stock market or in order to support the launch of the annual financial statements.


27. Families living intelligent Manage



Want to be a millionaire? No need to wait to hit the jackpot or win the lottery, let alone waiting for inheritance, being a millionaire can be realized with financial planning, Many expert financial planner who says that anyone can become a millionaire if you manage finances properly.


There is the view that financial planning is only for rich people, but this is absolutely not true. It is precisely those who are not rich who have to do financial planning in order to achieve financial goals. Every financial problems there is always a way out, including any income can fit through a business.

If Since childhood you aspire to be entrepreneurs, so that you feel the need to have the ability to manage finances carefully. "In addition to raising capital, you also have to begin to learn to manage finances. There are several things that must be managed in managing your money. Debt is not allowed, but must be adjusted to income. Reduce consumer debt and debt non-productive. Limit on debt repayments should not exceed 30 percent of income.


Provider of accounts receivable is always cool with your ability to pay. If you are unable to pay the mortgage, or collateral goods will be confiscated. Utilizing the services of credit cards with minimum payments even risky, the reason is, if calculated with flowers, 2-3 year installments equivalent to paying twice the actual price. Next, you must calculate the net asset value, ie the value of assets minus the debt must be positive. Similarly, the cash flow, income minus expenses must be positive. It's useless if you have a luxury car but it was worth minus.


Emergency fund is also important, so you are alerted if any time to lose jobs. For those who do not have dependents, at least to provide a reserve fund of three times salary, while for those who already have dependents of two people and more, each with a minimum of six month salary and one-year salary. Emergency fund is important in order for not getting a new income, so you can survive. Most communities have not yet realized the importance of insurance. For example, health insurance, medical costs are very expensive and could spend the entire income and savings. However, if you take out, you will feel more comfortable.


Last is an investment. Every month you have to set aside money for the investment of surplus income, which can be separated for short, medium, and long. What if my income just to meet daily needs? Well, you have to have additional income, among other hobby use. For those who have a hobby of writing, can make a book, or who have a hobby of photography, can take odd jobs to become a photographer.


You can begin to provide investment funds for 30% of the income you earn. Investment easiest and most secure is to buy precious metals as prices rise every year. But be careful, too, such as taking into account the capabilities and risks. The steps above must be continuously evaluated. In addition, the need to set financial goals and create action plans, implementation, and evaluation. Small salary is not constraint, but needed a strong motivation, time accurate planning, and financial records neat.
Those who Need Financial Planning:
1. Financially troubled
2. People who do not have financial goals
3. Financial health, but not organized
4. If the peg is greater than the pole
5. If the investment does not satisfy
6. If you do not have children's education funds and pension funds
7. They are in trouble with taxes


28. Be Smart Worker


Does your office provide six and a half weeks off each year? Unfortunately not, In Australia, for example, why tens of thousands of employees still provide nearly 266 hours of extra work time each year? The answer is not easy.


An Australian study at Work, which has launched some time ago, 8000 to explore the employee for five years. They found that the global financial crisis was just a little less time at work. Australians are still struggling for work 44.4 hours a week, almost the same in the last two years, although in 2008 blew the global financial crisis.

The figure was higher than in the United Kingdom and the United States. An electronics engineer named Prakesh, for example, worked a minimum of 10 hours per day during the week. "I'm concerned, if I did not quite show loyalty to the company, I'd first decided to be issued," said Prakesh.


Then we need reflection to my-self. Is it efficient been effective and in work? Are the results comparable? A smart manager is not easy to face time to be effective. A team leader working at a company in Sydney said, "If someone in the office at 8 am to 8 pm, I do not automatically assume she's a star. I even asked, 'Why can’t they organize work efficiently or as the other, can work well within normal working hours? "Here is a tip to an employee or consultant-style intelligent staff Kath Lockett.
1. Precedence important work, use the first hours in office on the main tasks of the day.
2. Organize work from home for projects that need completed without interruption.
3. Do the job when the time is still early. Even the birds do not like to wake up.
4. Record time task accurately, as you cling to meet with clients.
5. Do not hesitate to say "no" if asked to do the job no sense.
6. Delegate. Home on time in accordance with the hours and turn off your cell phone, may seem daunting at first. But along with the final task, the others would appreciate.


29. Mutual Funds Alert Disguise



Mutual Fund recently returned at about, as the drastic fall of government bond prices after the product has grown spectacularly in the last two years of. Simultaneously, because of the scandal Putnam Investment, in the United States also was a crisis of mutual trust. The end of last October, some investors complained Putnam's fifth-largest mutual fund manager in the U.S. that manages assets worth U.S. $ 272 billion because he felt cheated by the way manager Putnam Investments fund in determining the valuation of their property. Tail, Putnam stated the Security Exchange Commission (the U.S. securities regulatory agency) has been guilty of fraud and serious violations of several provisions of the capital market.


Problems Putnam Mutual Funds and companies recently, no doubt, disappointed many investors. And if not handled properly, this will cause a serious crisis of confidence. Although it must be remembered, is very important for investors not to overreact, because the market panic will only further harm the investors themselves.


Which must be observed, the investors must understand that the fixed-income mutual funds (fixed income mutual funds) will not really be able to provide a product that has a level of stability as well as deposits, Mutual fund fixed income investments should demonstrate characteristics such as fixed income instruments (fixed income instruments) which, unlike bank deposits, must be experienced volatility, or fluctuations in prices, in the event of change of interest rate (yield).


The existence of tax exemption (tax exemption), many mutual fund managers often indicates that the nature of their products is like a deposit, to obtain tax benefits. Therefore, many mutual funds and disguise the volatility of the assets owned (underlying asset). By ignoring the principle of attention (best practices), many of which then gives a false picture as if the value of their mutual funds are very stable, although the price of assets they hold has decreased / increased very sharply in the market.


Fixed-income mutual funds embrace Accrual accounting recognizes income and charging once it happened, although obviously not accepted in cash. Based on common practice in international markets, for illiquid assets and had a maturity period of more than one year, mutual fund managers should always make adjustments to find the fair market value.


Regrettably, even though every day a lot of transactions of government debt (government bond) or recapitalization bonds, mutual funds pointed out that not a lot to adjust to is the fair market price. This is seen most clearly when mutual fund values have no adjustments to the market price of its underlying asset.



Also keep in mind that mutual funds managed by investment managers, and that the fund management company is not a bank. Therefore, mutual funds can’t and will never be able to absorb the existing volatility in the asset is owned by a good and safe. Moreover, the ratio of capital to the asset mutual funds managed by very small compared to banks.


In fact, many mutual fund managers that operate like banks, they tend to receive short-term funds that can be withdrawn at any time by investors, and invest in long-term instruments. In addition, many companies also industriously to impress that they promised income is stable. In fact, it was obvious underlying asset is very volatile fund. There are some mutual fund managers who do not want based into market value (marked to market), and tend to do a valuation based on the cost basis (cost basis) or other methods. This is a praxis that would not prudent.

A. Non Bank Mutual Funds
Banks can guarantee that in a certain period the investor will earn a stable income because the bank is full regulatory institutions (over-regulated industry). At the bank, for example, there are provisions on the prerequisites backup (reserve requirements), where 5% of the managed fund deposits must be placed at the central bank. There are also provisions on Capital Adequacy Ratio. In addition, there are rules on net open position keeping provisions of the maturity between assets and liabilities of the bank is not too lame (asset-liability mismatch). These regulations are intended to protect all depositors.

Mutual funds are not bound by such regulations. There is no provision that dealt with the issue of their backup requirements. Fund capital structure was relatively very small compared to the assets they manage, and there are no rules governing the matter of asset liability mismatches. In other words, mutual funds have no mechanism "shock absorbers" good and sufficient to reduce the volatility inherent in their assets.

The only protector of the mutual fund system is the calculation of "net asset value" based on the standard market value. Mutual funds should transfer all the risks and potential volatility that occurred to the investors. Tactics mutual fund managers, who always instilled the impression that they are stable mutual funds, can deceive investors. In addition to not educate, a system that does not reflect the true value is also extremely unfair to the holders of Mutual Funds.


Should also be noted, nearly every day of the purchase transaction (subscription) or sale (redemption) mutual funds by investors, If the bond is in the level of a very high price and net asset value judgments are not based on market prices at the time the investor who sells units Mutual Funds not going to get an appropriate price to underlying asset value. Conversely, if the bond is at a low price level and the net asset value assessment was not done based on market price that investors have adequate information would tend to make sales, because they knew that the Net Asset Value is greater than the value of underlying asset. Thus, thus, the difference (loss) caused by an incorrect valuation to be borne by other fund holders who do not have enough information.

B. Mutual fund volatility
Many parties argued that many investors are not accustomed and not prepared for high volatility. Therefore, many mutual fund managers feel has given good service to investors by way of absorbing such volatility. But this is a step that is not prudent if the terms of the financial infrastructure.

Have been explained that the Mutual Fund Manager is not a bank and they are not given enough signs to protect the interests of investors, this is not only endanger our financial system, but also the light is not very transparent.


Any investors who buy mutual funds have the right and duty to realize fully the characteristics of mutual funds, and also really knowledgeable to every risk that they face. Therefore, plans e-monitoring application, and the intention of the Capital Market Supervisory Agency to review the valuation of mutual fund provisions, we hope to enhance mutual transparency. And one thing is clear the investment managers have an obligation help investors to understand the characteristics of mutual funds correctly, rather than part-disguised like a mutual fund to deposits.


30. Talent First-interested, career Later


When you decide to resign from the company where you work, this course will make you feel confused to choose whether you are work in another company or you choose to undergo a business? Maybe this is not just happening to you, but also occurs in most people. The reason is, when choosing college majors, they do not consider the talents and interests. There are three other things that generally becomes the primary consideration, the desire of parents, went along with friends and follow trends.


Interests and considerations should be the preferred talent, because, according to research done Aditia, companies in recruiting employees to consider the intelligence, talent and strong motivation, even though there are other considerations, such as experience and knowledge enough in the world of work.


The number of unemployed in some countries is quite high, ie approximately 4.1 million people, according to a survey of National Development Planning Agency to date. More than 2 million people have the background and a university diploma graduates. On the other hand, turned out a number of companies are also having trouble finding the right person to be recruited.

In addition to the ability of its field work, the company considered several other skills that could be added value. Communication skills, adapt quickly, and the ability to analyze also determine. Generally these three skills ignored by the students and colleges, so that, when passed, the students did not immediately ready to work. An auditor though, which deals more with the data, requires good communication skills, because, he had to dig information from various sources in the data verification, If you do not have the communication skills, whether to go through all that?


Directing and readiness to work are often not made a priority by the college. Students only have the academic ability preferably with a high grade. Once graduated, they are not ready to work. Whereas career focused education is important to ensure students are ready to work.

While in college, students need to have experience of global communications to foster self-confidence. Experienced students are usually more critical, have a broad perspective, and dared express opinions. Companies in selecting prospective employees not only consider the technical capabilities, but also a broad knowledge with high confidence.


The job seeker who has just passed should also not too picky. All they have is whether the priority tasks in accordance with the interests and talents in order to gain experience. At the beginning of looking for work, no need to consider the first big paycheck. No new people to work directly received by a manager.


For the students who had just graduated from completing his studies in order to search for large companies or multinational though his salary a little but they will have extensive experience. Having had experience of one or two years, they usually will get a promotion or a better offer. Job Search Tips for the Fresh Graduate
1. In accordance with the interests and talents.
2. Prioritizing the experience rather than salaries.
3. Not easy to complain, to work with the maximum.
4. Working with ideas and not afraid busy.


31. Tip: Working with His leader Younger Age


Can’t be prevented, the dynamic world of work makes the bosses younger than his employees was not unusual. But the difference this generation can be a challenge. Here are tips on how to make relationships with younger bosses more solid, even including how to impress them to the productivity of its staff:
1. Know their skills. Be open to new ideas and approaches that brought these young managers. Problems of young managers are usually there on their perceptions. They tend to not want to hear the experiences of older people, and rely more on skill.

2. Use of electronic communication devices. Try to stay awake the latest technology and gadgets. Young managers usually prefer to interact via instant messenger, text message, or e-mail than face to face or telephone.

3. Do not expect many young people can face. How much time is spent in the office is usually not too important for young managers than work. They always said that telecommunications can save time spent due to congestion and still get the job done.

4. Give your work regularly. Make sure the boss, knowing the progress of work at each meeting. Ask if there are less obvious, and aim to achieve the highest productivity. Instead of talking about work experience in years, young bosses prefer to hear the results of existing work before the eye.

5. Acting your age. Avoid comparing young manager with biological children of your age. Or talk about what you did when you were their age. The last thing the boss did not want to hear is you say to him, "You remind me of my son." But do not also act as if you were age 30 to be able to mingle with other colleagues.

6. Learn new skills. As a young manager to introduce a new workflow system, take advantage to learn new things. Master of latest technology is the key to remain able to compete in the world of work.

7. Do not compete. A survey concluded that many workers complained their bosses act as though the young know everything better than their staff older, although they are not. Or young boss acted as if they do not deserve their positions, so best not to invite young boss to compete simply because of their younger age. Do not presume to know just because you're already there first, even though you know something, however, does not mean you know everything.


32. No Need Worries If Move Task



An employee often uneasy when transferred task, moreover a new place with different areas of the old place. Usually the movement aims to increase the skills of employees, In order to be generalists. Some companies want to print the employee in accordance with management desired, so they did dismantle its employee pairs. Its initial management company will put the employee in accordance with their expertise, but gradually they will be moved.


Many employees feel at home and withdrew. If you experience this condition, for it is recommended that you immediately speak with the leaders and should be proactive. Ask about moving your company's goals. Better yet, you can ask about the company's vision and mission. Employees who know the purpose of the company more eager to work thereby increasing productivity, Research consultants and trainers the United States, Franklin Covey showed the company failed to achieve his vision because of more than 50% of employees do not know the purpose of the company.


33. Surviving the economic storm in the Middle



Islamic banks have to show his best performance as the real sector partners, particularly taking a position to raise the domestic market. Wave is believed the global financial crisis will not shake the performance of Islamic banking in the country because of systems and mechanisms are not familiar with Islamic banking and interest rate volatility as the general banking system. "In the 1998 crisis, most of the national banks collapsed. However, there are Islamic banks are able to survive the crisis and are not affected.


Islamic banking resilience to survive long if only Sharia principles are actually implemented by the principals, In the midst of the storm crisis, national Sharia industrial system is able to offer advantages even his principles to the public. "Behind the crisis there is always a lesson to be learned. This condition must be used by Islamic business well to develop a national Islamic banking”.


In the middle-issue financial crisis that hit the world, small and medium business sector remained robust, Therefore, Islamic banks should be more focused and intense work on this sector given the conventional banks were to play in it.


Although potential and resistance of the storm crisis, has so far not seen any significant change in the treatment of small business units, Although most of the current Islamic banking financing channeled to Small and Medium Enterprises, Islamic banking should be able to seize that SME market. Currently, foreign banks have started to conventional into the Small and Medium Enterprises sector. For that Islamic banks and Islamic business units should be able to collaborate with more with Sharia Rural Banks.

To get there, need a recommendation a few programs that need to be done, they include the application of the product image, diversify products, the quality of human resources, improve the Islamic banking services and socialization and communication that sharia is a system.


Then, what steps need to be done by the bank to advance Sharia banking industry in particular take advantage of the momentum of the global financial crisis? One of the most important things are shari'a banks need to better understand what the market wants. ''The bank is still less than the shari'a is researching what the market wants. How can we communicate effectively if we do not know what the market wants?

Therefore, the entire Islamic banking industry to make the global financial crisis as a momentum to show the best performance, It is precisely in this crisis, Islamic banking needs to show his best performance as the real sector partners, particularly taking a position to raise the domestic market. This is the real sector is still open and more promising because it is much more secure than a touch of the crisis.

34. The Global Islamic Bank


Islamic principles that is universal to make it applicable in various countries. Islamic banks are now no longer the player the edge. Islamic Bank has become a global trend Development of the Islamic Bank is a global trend today.

A number of Western countries began to glance at Islamic economy as an alternative because Islamic banking is almost untouched by global crisis impact. Islamic principles that is universal to make it applicable in various countries. Anyone can use the Islamic banking services, including non-Muslims. Universally Islamic economics should be a school or a new economic principle.

In this case Muslims also serves as a catalyst for accelerating factor growth of Islamic banking. Islamic economics, he says, has a complete package ranging from buying and selling transactions, loan, rent, profit-sharing, as well as to other instruments such as fiduciary. ''This is a complete package that can be offered to anyone.


Islamic economic system has great possibilities to offer as an alternative economic system, the reason to apply sharia economic cooperation fair and equal partnership. Islamic Economics is currently the world's attention with the global financial crisis happened. According to him, governments in many countries now begin to look the economic principles of sharia. Islamic concept'' is the best concept not only in Asia but also in the world.


Availability of global investment funds are plentiful, especially those from oil-producing region in the Middle East, ready to flow into various investment destination worldwide. Estimated amount of this investment fund surplus reached about 1.5 trillion U.S. dollars in 2009.


The abundance of these investment funds, of course, quickly responded by various countries around the world, to prepare themselves vying with each other, especially in the financial sector and sharia-based banking is closely related to investment. This has further encouraged the rapid development of sharia-based banking systems and financial products based on other sharia, which index futures a global financial trends in various countries and even in countries that do not majority Muslim.


The high interest from various countries to develop the Islamic banking system, for example done by adopting dual banking system, with the dual banking system, Islamic banking system developed in conjunction with the conventional banking system which has been owned, thus providing an alternative banking services more comprehensive to the public and investors.


In the year 2008, the growth rate of Islamic banking assets globally is estimated at 27% per year. This growth rate is much higher when compared with the growth rate of the global banking system only reached 19%. In Asia, several countries have also developed itself as a relation or sharia financial liaison between the Islamic financial system global area.


35. Take Advantage of Internet users no Business Opportunities



Internet users in Asia currently around 25 million and the unfortunate new limited users, they have a lot of business opportunities in the telematics field, Developed countries such as Japan, telematics industry is very rapid, In fact, one advantage of online games just to reach 10 trillion per year.


With users reach 25 million, Indonesia is ranked the 5th Internet users in Asia, this great opportunity for entrepreneurs telematics in Asia to expand its business both local and international level. So far a lot of small businesses develop successful, because the marketing activities carried out by utilizing information technology.

By utilizing the Internet, they are promoting products made or sold products, as well as they transact for the purchase of raw materials and products product sales transactions. Employers would be difficult to manage and grow the business if you do not ever want to use information technology.


36. Considering Shares of New Migrants


Performance shares of new entrants in the Stock Exchange seems pretty good, Price some rookie on the floor of stock exchanges soared even higher than the price at the time offering, Nevertheless, analysts still ask investors to jelly, before choosing stocks newcomers. And need to be reminded that investors should look at newcomers business in that market, first. You need to ensure that the company has business growth is good enough.

Investors also need to ensure the company's strategy to improve performance. For example, the allocation of funds from the sale of shares, aka an initial public offering (IPO), because if the funds of Initial Public Offering is only used to pay off debt, the company's business would not be developed.


The next step is to compare companies with similar issuers. If the price is cheaper, investors can take a position to buy the stock. Investors must also consider the performance of new issuers in the last few years, so stocks will rise if the prospective performance of the company continues to grow. However, there are also companies that have been lost but good prospects for the long term. Lastly, investors should also look at the assets and debts of the company, the higher the value of their assets, the better course.



37. Leadership to Maximize Career Growth



Leadership or the leadership is there in everyone. It needs to be maximized only if you want to be individuals who grow, including in a career. The concept of leadership can be strengthened by your-self. The way to explore the power that resides within, Get familiar with finding out what you like best and what your goals.


Herwin Margetty Coach, General Manager of a successful birth iCOACH said 88% of the power of one's soul (heart and spirit). These powers must be extracted from something abstract becomes more real. How? Coach Getty, familiar call, then told to maximize the leadership needs to be done the following things:

1. Releasing the mental block
Every person can become a leader. But not everything can be an effective leader. Coach Getty said first remove the mental block or something that prevents a person to develop.

2. Know yourself
Focus your mind on the power within. Only in this way, one could dig him and his leadership abilities. Start out of the habit most people, which more often focus on weaknesses.

3. Practice leadership skills
Coach Getty mentions seven pillars that need to be trained to be your mindset to maximize your leadership. You can practice alone or with the help of others such as professionals (coaching). The seven pillars for success that include:
1. Discover the reasons and purpose of the success you want.
2. Believe that you will only find the results rather than failure.
3. Take over responsibility whatever happens.
4. Master the problem in any field.
5. Hire people who you know have a good quality of professionalism and extensive knowledge.
6. Make a job and or business as a fun activity.
7. Strong commitment to the job.


38. More is required of Women Leaders


If only more women leaders, public policy would be more well. Women have a sense of giving voice the aspirations or realities in society, including cases of violence against women. Unfortunately, that represents women in the public areas are minimal in number. Including policy-making related to women's issues.


Warning the international women's day is the meaning of the facts concerned. National Commission for Women reported that state policies favor of women is very limited. Especially in the protection of victims of violence, most of whom are women. Still letting the pattern found, denying, the silencing of the female victim, the legal system, social and community.


Responding to this, the National Commission on Violence against women emphasized the importance of female leadership. Policy would be better with the role of women. "Women are more sensitive to the reality that occurs in society. Culture is created in the family has made women more caring, more like putting the needs of others. It makes a woman more fair and transparent.

Developed countries have proved, with the leadership of women better welfare. Women as policy makers also can be seen from the way he handle the case of natural disasters, for example. Women leaders can more fairly distribute aid rations, and even his owned family disregard.


But unfortunately, women from the east brought the family to the cultural embarrassment. Culture of volunteering is still mostly found in men. This also happens in the political sphere. Women have the potential to shake a particular position, but did not dare to ask ourselves. Often, though has the potential to be leaders, women's constrained domestic factors. His role as a public official can be defeated with the consideration of family roles and husband.


39. To be Secured Increasing Career



Although you've been in the same company for several years, that does not mean you can relax and think that your position is safe. Currently, there are so many people looking for jobs. Your position easily be replaced by graduates who are looking for first job. They are younger, more education, and paid very low. Well, so you can keep your job, try doing the things below, among them are:

1. Showing Home
How does the "top brass" see you as the company's assets if they have never seen your face? If the bosses usually have coffee together in the pantry every morning, try them occasionally come so early, make coffee, then greet. At least that they've seen your face. Do not hesitate to make small talk when meeting with one boss in the elevator.

Avoid playing Facebook in work hours. Yes, indeed Facebook is a site to build a network. but to post status and answering messages from friends does not make you look really use the site as expected, especially if your boss is one of the friends on your site. He could see the status of you who might read, "boring meeting!". If it is difficult to refrain from opening the site, at least make sure your monitor in a position far from the views of others. Create specific privacy settings for the bosses who make friends with your Facebook account so that they can’t see updates from you.

2. More noise
Do not give anyone a reason to make you not considered. If you are basically a quiet type of person, but a hard worker, try to get more opinions by throwing out info on the constructive meeting with the team when discussing joint projects.

But, you need to avoid is the attitude that is too visible "looking face" in front of your boss. Unless you are a personal secretary, to volunteer to assist employers with tasks that are not related to office work will make you look like a sycophant. Plus, your boss will wonder why you have the time to do these things.

3. Means out of the comfort zone
Currently, many workers can switch jobs when the company changed its bow in order to survive. If your boss is seeking a new project that does not involve you, but you sure can be a help there, try to find a way to take part there.

Reduce lunch habits are too long outside the office. When you're not in the office for a long time, you risk missing an opportunity. Maybe the boss was distributing roles for employees to try new tasks. When you're not there when it happens, you lose the opportunity.

4. Observing the development of self
If you have not got an evaluation, try to ask your boss time every few months. Ask him to provide evaluation and feedback for your work. The boss will be impressed with this subordinate initiative. However, do not let you then sulk ask various facilities just because the feeling was close to the boss.


40. Which type of Leadership that you?


Leadership ability can be trained so, because basically this ability lies within each person, If you're already at this stage to recognize the power of leadership in the self, then what kind of leadership characteristics inherent in yourself?

There are two types of leadership are introduced Dale Carnegie, the founder of Dale Carnegie Training, which is inspirational and organizationally. Coach Margetty anyone familiar Herwin Getty, iCOACH general manager, explains more about the characters of these two types of leadership. From here you can begin to map out, you're the kind of leader which.

A. Type inspirational Character:
- Creative
- Communicative
- Do not like routine
- Can’t wait
- Not good at small talk
- Always wanted to be a hero
- Inspiring
- It is dominant in the team

B. Organizational type Character:
- A little stiff
- Like routine
- More patience
- Come first profit
- Efficient
- Importance of team work


Each type has its own power. At least with the map you included in the type of which, will help to maximize the leadership character in you, Impact not only for our-selves, but also a team in your work.

Coach Getty said that strong leadership is an important factor for creating a great team. This means that the achievement of the team, whether the target is achieved, or other achievements resulting from the work team, can be realized with the strong leadership.

Leadership needs to be supported also by a number of other factors in order to build the dream team. Call it a common vision, through the work plan by holding a code of ethics, empower each other, a delegation of duties, and appreciation for the performance of colleagues. Even the termination of cooperation with colleagues who did not show good performance also conducted legitimate. Only a strong leader who has character and firmness maximize fairness in work teams.


41. 6 How to Make Your Supermarket Shopping Overstated



It's called a monthly shopping, but when you get out of the supermarket or hypermarket, your trolley was full of goods that did not enter the shopping list. This waste occurs every month, but you do not also the power to stop it.


You need to know, all supermarkets must have a designer store that will set the location of the goods in such a way that leads you to places that store attractive products. Not to mention the various campaigns that affect the price of goods you buy goods outside of the needs. To avoid waste, you need to know how they rip you for this.

1. Entrance area and cashier
Be careful with the traps in the entrance area or at the checkout. Supermarkets usually place the product in ways that tempt faith an impulse buyer like you. Products, such as magazines, CDs, DVDs, snacks, and various other paraphernalia, you may not need, but it would be difficult to avoid, according to Kit Yarrow, a psychologist and marketing professor at Golden Gate University in San Francisco.

You may be trying to rush to leave the area so as not to be tempted. However, you can also deliberately linger in that place. "If you quit now, you are less likely to impulsively buy later," said Art Markman, a professor of cognitive science at the University of Texas at Austin.

2. Food
The experts believe that fruits and vegetables are placed in the front of the supermarket for buying healthy food makes you not feel guilty. But Paco Underhill, author of Why We Buy, reveals a more obvious reason: the food products have the highest profit margin and you'll likely want to buy it immediately. In order not tempted to spend too much food, do the spending in this area later. In addition, food is not disabled because on top of other goods.

3. Special Offer
Too many sales could encourage more purchases. Various special offers, such as "buy instant noodles can be a bonus five one" or "buy a certain type of shampoo could be other types of small size" could interfere with our ability to reason. According to Yarrow, such offer will make us unable to consider the real value. For that, consider the value of the real thing and if you really need it. If it is just marketing language, leave it out.

4. Hidden products
Supermarkets usually put the goods sold in most parts of the middle aisle. Thus, you have to pass many other products before getting what you need. "Research shows that people buy what is in front of him," said retail expert Herb Sorensen, who is also the author of Inside the Mind of the Shopper.

If you go through the halls of this trap, keep walking. If the goods offered are not in your shopping list, skip it. If you still want it before you get out of the supermarket, go back and take it, but you may find that the goods are not worth buying.

5. Products "private label"
The products are branded as the place where you bought it, for example from Minimarket, supermarkets, up to hypermarket, often called cheaper than similar products from other brands. However, this method does not always succeed. "Many famous brands also compete by offering cheaper prices than private label," Yarrow said, because the truth about the quality of the thin difference, the easiest way to save money is to compare prices.

6. Food samples
"Although you are not hungry, tasted a piece of food shows a signal that your body is ready to eat, Research also shows that the physiological changes it makes you less strongly urge your shopping. "Put it up to try a sample before you get out of the supermarket so that push will not affect the insulin your core purpose.

One other way that will also greatly save your money, do not need to take children as monthly expenditures. They'll take anything that looks funny and tempting.


42. Motivation, Energy Sources at Work


Many people agree that motivation is like a mystery. Sometimes you also often do not know the full motivation within yourself. What makes you excited? What makes you jump from your bed in the morning? What makes you happy to do something even though the body tired?



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


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

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

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

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


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

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

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

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

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

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


43. Large Expenditures than Revenues, what problem?


Not only financial problems experienced by single people with a mediocre income, but also a large income, but employers have a lot of debt. The root of common issues is the way of financial management that are not measurable,


Given that 95% of people need financial planning, the reality was a single or married bloated spending problems, while incomes remain stagnant. A number of factors that need to be identified earlier in order to measure the financial condition, such as:
1. Debt
Reduce debt consumptive and non-productive. Akbar explained that the debt is divided into two productive and consumptive. Productive say is if you buy a house with credit, but despite owing the home values will continue to increase, and the price even higher, You buy a camera with a credit debt virtually productive if the camera is used for such photography business, this means that this camera to make money from number of projects you are running.

2. Net asset value (net-worth)
Ensure a positive net worth. This means assets minus debts positive results. Wealth of a person seen from its assets, and not just luxury goods owned. Assets said to be positive if its value is still good (or decreases 50 percent) within a period of three years, for example, goods that you have a high price if sold and / or decreased slightly. So if you want to make the goods that you buy an asset whose value is do not buy off.

3. Cash flow
Good cash flow is revenue minus expenses as a positive value. If the expenditure is limited but still also a minus, looking for additional income from the main income. Take advantage of your hobby to be his side job. Suppose that an additional search of service providers catering, wedding, home production, or writing a book.

4. Emergency Fund
Prepare tactical funds allocated separately, to meet the needs of a highly emergency or necessity, Scale tactical funds varies greatly in each person. If you are single with no dependents, the tactical value of the amount of funds from the 3-month main salary, If single or married with 2 dependent persons, the amount of funds tactical 6 months of the main salary. For dependents more than 2 people, an emergency fund of 12 month salary.

5. Insurance
Health insurance becomes an important requirement for your work. If the company already provides this facility, you are free to the problem. But if it does not cover, as much as possible allocated health insurance, Life insurance only for those who have urged families. For single people, health insurance is enough, it relates to investment in the next point.

6. Investment
It would be more advantageous if a single to allocate funds for investment rather than life insurance, for example. So what form of investment? Before the vote, first separate your main income for the emergency funds in accordance with the appropriate amount of your condition. Then allocate funds for investments according to the capability. Choice of investment depends needs and goals Is the short term, medium and long. Is it to buy assets, preparing children's education funds, or pension funds, if it recognizes a number of these factors, you will more easily find the right investment product.

By identifying some measure of financial condition, you can recognize the root of the problem if every month is always a deficit. That way, you can find financial solutions that more precisely, of course, consultation with experts will be easier for you.

44. 6 Step-Wise Leader


As a boss, you are proper respected figure and a respect of employees. Yours is different from fear. You would be happier if respect is given sincerely and appropriately, rather than simply revered or feared subordinates. Do not you known as a leader who can’t tolerate, like angry, or too subjective. Well, here some tips for you to be a wise boss and beloved colleague.

1. Sincere and Fair
Leading the work team requires skill or skills. However, not only that, as an employer, you also should be able to be sincere and fair. Genuinely share the work, sincere lead, is also fair in maximizing the benefits of any employee who joined the team.

Do not let you assign someone in the wrong place, it is also important, you also must always be ready to help subordinates find opportunities to improve their deficiencies.

2. Want to Keep Learning
Although the position was at the level of management, does not mean you are more intelligent, more experienced, or better at it than other employees, you know! Despite being the boss, you should still want to learn.


Whatever you feel if you still have not mastered, never shy to ask, even to subordinates. Digging the science does not know the age and positions. Recognized or not, this way will make you deemed to have contributed in the progress reports. Range distance between you and the subordinates do not need to be a rock barrier to progress together. Being smart with would be more enjoyable, rather than smart alone.

3. Manage Emotions
If you are still young, you often can be hooked and unable to regulate emotions that are still explosive. This anger, but not good for health, it will trigger a prolonged stress, Anger also usually be carried up to the house. As a result, families will be affected by it.

So, start learning to control anger toward team performance. Do not scold, scolded, and reprimand subordinates in public. This method will indirectly affect them mentally. They might not feel the spirit of working and oppressed. Subordinates are not slaves that you can treat arbitrarily. They are human beings who did not infallible. Build a positive work they are mental. Better, call them into your room, and tell what mistakes have been done. Make the mistakes that they learn and do better.

4. Do Subjective
Not infrequently there is a boss who is very subjective personal response to each of his subordinates. Thus, usually without knowing it, you will be more inclined to subordinate the one than the other.

In other words, you find chemistry with him. For employment matters, in a professional, you better get rid of things like this. Because this could be a trigger destruction of a work team cohesiveness. Other employees will feel excluded, while others felt it was in the safe position as close to you. Treat all subordinates in the same way. Make the benefits they could be useful as possible for the progress of the company, as well as cover the lack of other subordinates. Thus, another one will need each other, the result a solid working team.

5. The success team, your victory
Do not work alone. Work as a leader who delegated the job well to subordinates in the work team. Teach them to work effectively, responsibly, and the final results-oriented. Remember, success and their success is your victory. What happens when you have a subordinate who was capable and did not develop? You own a bother, right?

The more difficult job that they can solve, it is a good means to develop. Without this, you indirectly have blocking employee creativity, well, you waiting for? Establish a work team to create quality human. Guaranteed, you will be rewarded as a boss who cares about the progress of subordinates.

6. Build Friendship
Not a few bosses who feel proud to join crusted subordinates. Also, employers often prefer to choose the proper subordinates who accompanied him to lunch. Remember, employees have rights and equal opportunity. Keep friendship with all employees at all levels. That way, you do not shut down along with the older or younger. Never be afraid unrivaled by younger people. What you do will be an example for young subordinates. No doubt, you have become part of means on the way their future career success. And, most importantly, you have a friend who is positive for them.


45. Determine Mission to Life More Meaning



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

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

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


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

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

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

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

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

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


46. Coaching for Your-self


Coaching does not equal to training, teaching or even mentoring. Coaching is more to the form of coaching against someone who can provide the neutral support, and not judge him to provide enlightenment and a better change. If you have personal problems or a job that never ends, because one of the factors for your inability to find a solution and or undergo solution you already know, coaching could be the problem breaker tool. With coaching methods, issues of personal life or career can also be overcome.

In coaching, the model is not as consultation. Demolition mindset be the first step opens the way to find the real problem. Sometimes, the cause of the problem and should be stored unloaded first. If you've found the center of the problem would be easier to find solutions to even telling steps that can be done in solving problems.

Often what happens is the denial of the problem. If you have this character, coaching a great way disassemble them-selves. You will be assisted to find free will (strong urge within) to immediately make changes and enlightenment. Then where you can find coaches to help organize your life?

1. Look around you
Try more concerned with the environment around you. Other people who you know and successful (in your view), can become the person you are studying. Ask if he's willing to open himself to talk with you. You can begin to ask how his methods achieve success alive.

2. Find a coach expert
Professional coach can be more focused to help you identify yourself, and your support to someone who has free will and capable of making decisions. Different from the consultant coach, meaning he is not directing you to make choices, but encourage you to dare to make decisions for themselves. Although you have to pay (see also capabilities), think of it as an investment for yourself.

3. Attend a coaching seminar

Making a change, let alone change the mindset, can’t instantly. Attending various meetings and motivational seminars coaching can help you overcome yourself. By opening up in relationships, you can find more references and answers to your anxiety. Well, are you prepared yourself with coaching break? You might discover more about your-self, that you find a potential that has been hidden.


47. Creating Revenue and Expenditure Notes


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

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

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

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


48. More Dare to Speak in Front of General


If you look at lead host an event but one in bringing the event, we easily criticize. In fact, it was not easy to maintain concentration in front of the room and lead the atmosphere. In terms of employment, public speaking could not be avoided, too. At one time, you will have to deal with this situation. In order to successfully speak in public, consider tips from Works by Nicole Williams following:

1. Identify the Audience
The first question you should ask is, "What is my role as a speaker?", "Am I here to entertain the audience? Teach for training or something else?" When you know what your role will be increasingly easy to find out what you should say, and what should not you say.

2. Write
If you already know in advance that you will be speaking at an event, try to do the research, Began by listing the points outline. Then slowly, the contents of the parts empty. Writing will increasingly reinforce your thoughts and ideas, while helping you deliver the message, so not out of the main lines, and help you when you're lost for words.

Strive for Nervous Invisible. Don’t let the audience see how nervous you are. Even the famous host and has experience can feel nervous before it started to show, the way each person to compose herself different. What ways can help each person to feel better and confident before you start speaking in front may vary. Only time and the "flying hours", which in turn can help you find the best patterns and most suitable for you. But the most often performed to relieve the tension of the speakers is to regulate breathing. Another way is to talk to other people. Do not worry too much, afraid to slip, or will do stupid things. But calm, most people will forgive you. Try to view the audience as close friends you are, who accept you as is.

3. Try to keep Relationship with Audience
Very important to keep the audiences remain interested in what you say. You do not want the audience did not understand what you're saying, right? Different strategies needed for different audience characters, however, will help in all situations if you put humor in it. If you are going to use statistics, sought a minimum and as simple as possible. Visual presentation can also help people to better focus. Notice also the intonation and gestures you. Do not let her movement repeated in long times, avoid too flat intonation that make people sleepy.

4. Be Your-self
Not infrequently there are people who try hard to take the audience's heart. Using hand gestures or body language sometimes is usual done to avoid boredom. But do not look excessive. Highlight the advantages and points rather than moving your chat excessive. Move naturally, the audience would feel more comfortable staring at you.


49. 10 Signs It's Time for You to Resign


A poll conducted by the Gallup Poll of employees in the United States, found that as many as 71 percent of respondents did not feel at home with a job / place of work. What to do? Stay to live job despite being unhappy or looking for a new job in hopes of getting a place could be more wonderful? Options to move work to other places in your hands, Here are 10 signs to your attention, if one or more of these signs you feel, then it's time for you to think about changing jobs.

1. Annoying coworkers
Coworkers can be very fun, but there are also very annoying. It's not frustrating when you get a pleasant colleague. However, how can get the job done when your teammates make it work mad? Whether it makes you upset with the way he liked to quip, come late, leave early, talk loudly on the phone, you decrease the public or disturb your happy hours with gossip-gossip? If it's co-worker like that there is more than 1 or more than you can deal with, then it's time you find a new job, whether requested relocation division or a seat, or moving companies.

2. No spirit left for work
Every Sunday night, you were complaining the next day thinking that means you have to go to the office again. When you spend more than 40 hours a week for work, feeling not lazy to go to work is the last thing that should exist in your mind. If it did, then it's time you think to change jobs.

3. Highly saturated
Most people love to love a challenge in his work. If your work begins to feel easy or recurring, then this is a sign that you need a change of responsibility or role in the work. But make no mistake mean boredom with laziness. There is a big difference between watching YouTube all day while work piled up next to you by watching YouTube all day because the work you've done all since the morning.

4. Companies in trouble
Current world economic situation is still not stable right. If you feel the company has financial problems or difficulties to keep up, then do not take rash steps. Ask your boss the truth, just think about the next step. If it is to point zero, you should think of moving companies.

5. Not feel at home
Very important for someone to be able to feel at home, if there is competition in the company was not fair, your colleagues stealing the idea, there is a conflict between ethics and the value of your company, or may not agree with management policies, perhaps it is time you find a company that can provide crucial things for you.

6. Unpleasant boss
Believe it or not, your relationship with your boss has a big impact on your professional life, in happiness and success. Moreover, even the best job will become very unpleasant when you're dealing with a lousy boss. If you do not have the perspective or the same vision or your employer can not be trusted or do not like to see your progress, then it's time you find a place with a new boss.

7. Career path in place
You've done the same job for several years you're ready to get new responsibilities. Or you've lost the passion to do what you normally like. Or you work in a company that can’t provide jobs that are different from the waistband. Try to talk about the possibility of a role or new responsibilities you can do, or try a different task. Express to your boss about the desire to build capacity and how to achieve your goals. If no other alternatives for you to try, perhaps it is time you try to find a new place.

8. You are not appreciated
Awards for achievements having an important role, the feeling that you have a good contribution to the company would be a good thing for you. If your company does not do anything to appreciate your work, then you will feel is wasted or not considered.

9. Unpleasant working environment
A workplace that has a negative energy or low morale will drain every employee, even those that initially have a single positive energy. If you always feel stress, depressed or you change your jovial nature to be negative, perhaps it is time you explored other employment options out there.

10. Fatigue
Too many projects are handled with an excessive work schedule. If this happens only occasionally, may help you to push yourself, and is a new challenge for you. But the project after project as if no end and keep repeating, came home at midnight, your social life is gone just like that, then it is time for you to help yourself by finding a new job.


50. Work Makes You Stay Single?

You busy in the work world makes it difficult to find time to have fun. Or, because he was happy-happy to work, you chose to not seek a lover first. Do not have a partner that is a choice or not, actually back to you. You know, what's really going on so that you master the job yourself?

1. "I do not have time for dating"
Young workers say that work can’t make them have the time to relax or to meet the right partner. You must consciously put the job number one priority. Or maybe because you think you achieve a brilliant career in the world of work is much easier than looking for a partner that you dream dreams. Whatever the reason, give too much time and energy to work will never be able to change your position from the single to be in relationship.

The solution: Balance work with personal life. You certainly will not get the career you want if not try the job right? Same with looking for a partner, you will not get it if you do not try as hard as your dedication to the job. Make priorities and goals as well for finding your future spouse. For example, how much time you need for your personal life in one week.

2. "My boss knows I'm single, and use"
Those who live an average single requested to work overtime, traveling for business purposes, and accept the decision at the last time, because, they are considered not to have the need to gather with family.

The solution: Increase your commitment in private life. If your boss asks to work late into the night, you do not have to always take it. Give a reason if you already have other plans that are important. It's good to dedicate them-selves to work beyond your working hours, but make sure your personal life is not excluded.

3. "The man I know the average is married and has a spouse"
Maybe it had something to do with the job. Because statistics show that 50 percent of married couples find their dates in the workplace. So maybe you're not lucky if you do not have a workplace that allows you to meet with the opposite sex who is still single. Or which allows you to go out with one of them.

The solution: Find out how to find other single men. After all, the workplace is only one option to get a pair. Active in associations or clubs, try to visit a new restaurant, a concert-do with friends, or continuing education, also will give you the opportunity to meet new people.

4. "No man who wanted to date me ...."
Ladies, do not be so desperate, dong. But indeed, there is the type of work that may be made to re-think the opposite sex for dating you. Suppose you were a psychologist, who can resist if you continue to get a psychological analysis of her partner or accountant who is always serious and too calculated in terms of money.

The solution: If you have a job that makes you far marginalized or criteria in the list of ideal potential partner, do not be discouraged immediately. Way, keep the impression that your personality is the same as your job. Stay away from topics of conversation about your work, until you are sure that your partner is ready.


51. Recognizing Type 10 Job Interviewer


When it come to job interviews, many question mark over the head, from the "want to wear", "how to answer that right", to the position of how the right seat, But, there is one factor that is often forgotten thought, namely, such as whether the type of the interviewer? Why is it important? Because when you can identify the types such as whether the interviewer, you will be able to determine the most appropriate answer. To help you, please know 10 types of job interviewers that you may encounter, and how to deal with it.

1. Your Friend
This type usually will welcome guests with high enthusiasm. His smile was wide, warm handshakes, allowing the conversation went personal. He was digging with it. This type of interviewer will ask you to speak proper friends. Actually good to expose yourself, but so relaxed, you're too complacent, so forget that in fact was a job interview. You can do is respond to the situation with the thought that the interviewer does not want a rigid staff. Remind yourself that the interviewer can’t relax because he was thrown a question. Show in him, that you can really relax, but still professional, and should not be close friends for a long time (because of old friends know the days you're ignorant).

2. Interrogator
Barrage of questions will come to attack you like he was on trial. Such type not want such a relaxed conversation while chatting casually, she was ready with a list of questions. Do not expect the interviewer will provoke your answers when you're choking and difficult to express purpose. Investigator should, he will investigate and keep you on trial. No wonder if your answer is defensive, so on the way home you feel like committing crimes. To cope, focus on your answers, do not be obsessed with thinking about his reaction. Stay calm. You can try to make conversation from the answers you give, but do not be shocked if the effort fails. This type of interviewer wants to hear your answers and see how you can control yourself, so to remain calm is the best thing you can do.

3. Busy and Rushing
You can see his indifference on the answers you give. Little wonder then looked so busy reading cell phone. Do not be too taken heart, because there are some people who were forced to follow the job interview process, simply answer the question as best possible with a good attitude.

4. Too Much Information
There will be times when you meet the interviewer who do not understand the boundaries. You could have heard the expense is not in place, the story is too personal, or is not appropriate conversation from the interviewer. This type is not trying to do it, but he just could not understand the meaning of limits. If you see this type, try to remain calm. Answer these questions as possible. When he started getting off track again, try steering the conversation toward the company or the job you're going in the company. But, of course, keep in mind, when he began to joke that you think is very rude or offensive, you are entitled to get out of the room.

5. Rules
This type is to follow the rules. You can expect questions phrased exactly as the book successful job interview tips. Success tips? You should prepare answers as taught by the books successful job interview.

6. Glad Joking
Some interviewers have a sense of humor working quite well. So good, they do not know when to end it. Be prepared to answer questions as he interspersed tosses sarcastic or funny comment from the interviewer. These types of interviews do not entirely bad, but it can confuse you, when the interview actually took place. If you are not a problem in the following jokes and he joked, please answer the questions as possible. If you feel able to respond to his joke with a good joke too, just answer. For some interviewers, if you are able to resume filling the qualifications they need, then the interview which lasted only used as a formality only.

7. Type and nature of the Weird
There are some people that the attitude and nature is difficult to understand. Therefore, do not be too surprised if you find the questions that are outside of the context. While still tolerable, just follow. If the question is still professional, but the interviewer did activities outside it, for example, playing origami, follow it, stay focused on your answers. He may not realize it was doing.

8. No Small talk
This type is very to-the-point. He did not care about your feelings. He tends to be honest and do not want to waste time. It is important to you can strengthen yourself. This interviewer will try to throw a question or comment spicy for your test. Prove to him that you are strong enough to accept all the hard challenges that you may encounter when working in these companies. Equate assertiveness and your level of seriousness to it.

9. Flat Front
Do not expect a reciprocal of this person. Her face alone is flat, you will be hard to know whether the answer and your response have fulfilled his wish or not. Do not try to break the ice. If you are trying to find a gap from him, you'll only be frustrated. Answer these questions as possible, be yourself and stay calm.

10. Mafia
Usually they come in groups and intimidating character, the interviewer can be very pleasant, scary or mixing. Their views will be very sharp in your direction. Try to stay calm, it is suggested that very hard to follow, but this is the best approach. When you deal with more than one interviewer, you will see several types of people, so do not expect you can please everyone. Try to be yourself and look at the interviewer who seemed most responsive to you. When you see a nod from one of the interviewer, you will feel calmer and be more spirit.


52. Starting a Career Dare Back from Zero



Are you tired of your career lead? Plans to change the plot to get to the career of your dreams? You can get it, really. Try to follow the tips from Suze Orman, financial expert who believed following Oprah.

1. Think of a career, not a short-term job
Change the way you think about your job field. Do not just think the job you are doing as short-term jobs. Try to think ahead and long-term, as a career. When thinking about a career, you will take it into account not only as a dream, goals, or ways to support you from day to day. You'll start thinking about a career as a way of life and your work is more focused.

2. Faced with failure and build
Those who succeed at the top of the Top must have experienced failures, and they can use that failure as a ladder to the top. Study the failures that you face, challenge yourself to step ahead, and focus on long-term vision. Expect that you will have to be sick before you can achieve your goals, because all good things rarely come easily.

3. Make sure you take your choice in the right direction
Before you decide to attend the lectures / courses, or stops working, or received a promotion, or get a new client, well ask yourself that the decision will bring you one step closer to long-term goals of your career. Avoid the urge to ignore your needs in order to please others (parents, friends, lovers). Surround yourself with independent women who persevere to get what they want, and they will help you strengthen yourself.

4. Create a backup savings
If your new job requires you to go back to school, or taking part-time job, try taking the time to create a backup savings to help you deal with the transition. When you leave a job that you do not like, the last thing you want to face is the financial stress. So, before doing the action you know will spend money, make sure you have a reserve fund.

5. Target the right opportunity, not for money
The right job, at the right company, right on the field is your nearest goal. Follow your deepest desires. There will be many opportunities to make money in the future. Of course if you do not have financial difficulties.

6. Do not rely on the Internet
If you post your resume on job search site, it is very easy your resume will be ignored. If you already know the position, company, and the field you seek, try to go and speak directly, if indeed there's an opening there. Computers are good as a tool for research, but to change fate, face to face interaction needed.


53. Trick Facing problem when Feeling Stuck at Work



One of the most difficult challenges to pass in one's career is when dealing with burnout, each of us who work within a certain time to meet this condition, generally, can be finished with the approach and willingness to self-introspection.


When you start dragging the road to the office, felt there was a new challenge, or felt there was no future in your job, then this will affect the quality of your work. Ironically, job dissatisfaction will be the biggest obstacle to getting an opportunity you want, much like an endless circle. Try doing the following steps to overcome the boredom at work:

1. Re-evaluate your performance
Build your confidence by estimating talent and professional accomplishments that you reach for it. Set 3 projects or work are you most proud of, and eye, what you enjoy most of the success of the project? Was it your pleasure to manage people? Is satisfaction to find solutions to business challenges or because the opportunity to try something new? When you already know the proudest aspects of it, see if you can strive for that sort of thing that can be made more often? For example, if you find that planning programs (event planning) is something that you like, ask your employer if possible for your position to a position that many coordinating schedules and meetings?

2. Increasing capacity
Pursuing opportunities to develop other skills or abilities can make you more forward in your work and your intellectual challenge. Courses or the college can be an option. Do not forget to check your company policy on funding schools / college, or ask also about the internal training opportunities. Skill or ability that you get can also increase your chances for promotion or salary increases.

3. Extending the scope of work
If possible, try to offer your assistance to volunteer for projects piling up at the office, even though it is outside your job description. By trying to try to do other tasks can increase the value of your initiatives in the eyes of superiors. By doing this, too, can help you find hidden talents.

4. Say what you want to say
Do not be afraid to share ideas that can add functionality or process. Moreover, tell your boss what you can do to contribute and how your business can improve the results. Sharing thoughts can instill the seeds of new projects that you can help, the responsibility you can get from there will encourage you to be more excited about doing your regular job.

5. More involved in community activities
You can broaden experience and increase capabilities in the field by voluntarily become the leader group activities, mentoring, or otherwise. Through such activities, you can increase your enthusiasm for the profession, while helping your colleagues to be more advanced in their careers.

6. Think of the possibilities for change
Despite working hard, you still feel less challenged or not satisfied with the current career, even difficult to get the effect positive change in your work environment. In cases like this, the choices you can do are to be more objective in assessing the situation, would you be more productive when working in different environments or if you have the right to explore the profession? Sometimes, substantial changes can help you face the challenges at hand. When you are stuck in a dull routine job, find a way out is the easiest solution. The key is to not give in to frustration with it. By taking a few steps in a different direction, you could find yourself out of routine and find a career more fulfilling path.


54. Are You Can Live Without Credit Cards?


Let me check my purse most of the women in big cities, there must be a credit card in it. The numbers one to eight credit cards. Reasons for practicality, convenience, and the mortgage when the heart was tempted certain goods can’t be purchased in cash to attract most women fill out credit card applications are increasingly easy to find.

Ironically, credit card users were aware that they are owed than just swipe a credit card. If you already started to teach him indulge himself with credit cards and intend to quit his addiction, accept the challenge and immediately began steps:

1. Organize finances, pay all the debt!
Immediately set aside money to pay the monthly credit card debt, from credit cards with the highest interest rate. Discipline yourself to start paying all the debts gradually and remind yourself to no longer owe the credit card. Once they pay all financial obligations, you've started the first step to live without credit cards.

2. Monthly spending plan for the postal match
Monthly financial plan to prepare the budget expenditures, including mortgage, monthly routine equipment, food, transportation, clothing and entertainment, the financial planner, suggested using the envelope with management to manage money according to the post monthly, including reserve funds.

3. Changing patterns of life
Pay attention to your lifestyle again and cut what is really not too important to be done. Akbar said, up to 80 percent of the salary of women is used for entertainment, shopping discount items, and this is a waste that should be avoided. More worrying again, woman shopping with credit card debt, That is, women use the money without caring how far can pay the debt and interest. Living without a credit card is actually the form of sacrifices in the gratification for long-term goal is more profitable.

4. Use a debit card if needed
Your habit of convenience shopping needs of the actual payment could be overcome with a debit card. You do not owe that money in your own bank account used to pay for. Debit cards are also more practical because you do not need to carry cash, do not you? Almost every store has to provide this service, so there's no reason you're still addicted to credit cards.

5. Committed to saving the salary set aside
Began to develop the habit of saving by setting aside a monthly salary no matter how small in value, because it will save your future, If your bank account balances continue to grow, any time you need an emergency fund for major surgery, for example, you are not getting pressured by debt because it depends on the credit card. Are you ready to fight against addiction to credit cards?


55. Should Unite Savings After Marriage?



Money is a sensitive issue. Not easy to talk about this one, especially when the husband and the wife are working, both making money. No wonder, when it comes to money, it could be a bit stressful.


There are some couples who choose to pool their savings entirely. With this in mind, mine is yours, too, while other couples choose to separate the savings rather than having a sense of suspicion. Others choose to have the savings to be together, but also have a private savings. To be able to choose which is best for you and your partner, here are the pros and cons of each type of storage of money for the couple.

A. Joint
Pro: When you talk about combining the two savings, you are talking about full trust. It is as if to emphasize to each individual, "what's mine is yours, too". Couples who use this method will feel as a team. They will encourage each other to save, and will discuss deeply about the expenditure. It will not be too much paper money in the calculation of the pair.

Cons: It takes a sense of trust and openness among partners about this. Not to mention tolerance large enough. Especially when one has a greater income than others, There will be a problem when a larger income to take more money because they feel have "investment" more. Not to mention that this is a shared savings, the finance was very open, no privacy, especially when one spending money on things that is not too urgent, for example, when buying designer shoes, despite being sale, but still the price was reasonable.

B. Separate
Pro: philosophy like this couple more of "What is mine is mine, what is yours is yours ". Not that there is no unity and closed, but this is more about the issue of property value each. Both sides are free to spend money at will without having to explain to the couple. In this case, trust is very high.

Cons: Because you are each holding their own finances, not a lot of communication that exists. Make a fuss about spending could be a problem because it must be absolutely identical halves for household problems, such as the cost of home affairs, food, labor, and others. Plus, it will take the recording twice.

C. Mixed
Pro: In this case, you and your spouse have 1 account for household affairs, while each also has a personal account. You will unite the savings to spend "big", but still have the freedom to spend money for personal business.
Cons: You should really talk about what is included in the "mine", "yours", and "the commons". In addition, you still have to think about the recording of the 3 accounts you have.


56. Correcting "Budgeting" Personal Finance


Budgeting is an action to plan for where the money you earned will be docked. Are some will be allocated to a special savings to buy a house, or will move to the cashier at the mall. If you have a dream to live peacefully and no financial difficulties in the future, must be clever-clever manage your finances.

1. Going where?
The first step to managing your money is to determine the main postings. Estimate the cost of whatever you spend often, and in what amounts. Some of that must be considered are:
a. Housing costs, such as Housing Loan repayments, lease, or otherwise, including the cost of bills (electricity, water, security, hygiene, home insurance, etc.). Do not forget to calculate the cost of monthly expenses for food and entertainment.

b. Create categories that match your lifestyle. You may have a points-related categories of education (school fees / your own, the books, photocopy), or the cost of pet care, or routine travel expenses. If you have a hobby that requires a special fee, make a separate category.

c. Big bill and must be paid regularly, for example, life insurance.

d. Try to create a separate category for the cost of personal vehicle. Payment for purchases is just the beginning. You still need a monthly service fee, the cost of clean, cost of taxes, until the cost of your driver's license.


2. Pay to wear?
When it was being recorded, what your expenses, begin to calculate your income, Calculated the average income per month. Do not forget to enter the calculation of interest income from savings or deposit interest, dividends, bonus or other benefits. As you already know exactly how much you earn and how much your expenses, decide where and how you will divide the money. Make the division per month. Estimate the costs are not expected, for example, to buy clothes for a special occasion, accessories, to the division for expenditure envelope money, charity money and so on. Do not forget:
a. How much spending for wants and needs. The actual needs, is generally limited, for clothing, food and shelter. The rest, mostly based on the desire to make expenditures.

b. You can also try using a solution with the system saves 60%, essential and necessary expenses from 60 percent of your income the remainder is used for pensions, pay installments, entertainment money and others.

c. Savings old days. However, you should be saving for old age, right? Make this a priority, only then to pay other debts.

d. Do not forget to make an emergency pot. This indeed would be hard, but who can predict the future? If you do not have an emergency fund, who can help you in times of trouble or transition?


3. Keep an eye on your habits

When you have to divide the category of your finances and getting used to calculate finance, supervise the use of your finances. Start counted as expenses weekly, monthly, and the next.
a. Pay-TV and internet unlimited, do you need unlimited internet package or a full subscription to pay TV? Or do you really need two cell phone numbers? Or, if you can be more efficient in purchasing goods in large quantities monthly rather than buy them retail.

b. Get cash as much as possible. Are you including people who used to take large sums of money from an ATM, then spent the cash in your wallet? There are some people who prefer to pay goods through debit payment only. Most people who have a debit card is often thought twice to pay for a good price, credit cards tend to make people just do not think long to buy goods.

4. Get used to managing your money
Successful budgeting takes time and willpower. So, do not be afraid if you do not succeed to reach your first monthly goal. Here are some ideas to make it easier:
a. Write. If not, you could have forgotten and do not follow the rules you have created yourself.
b. When you fall outside the estimated provision, you can "invest" into debt big enough. For example, pay mortgage payments, or leaving for a vacation, or give gifts to loved ones.
c. Make it a habit to think ahead. If you already know that the situation will change, eg a second baby will be born, bathrooms need renovation, re-plan, you try not to accumulate debt by using credit cards more often.
d. When your income increases, do not dissipate until you are sure it could be one step ahead of financial inflation, Skill in managing your money will get you further honed continue to do so.


57. Prepare steps Emergency Fund


Future filled with uncertainty. You must be clever-clever look after our-selves, both in the present and future. Prepare an emergency fund to deal with uncertainty in the future with a 'piggy bank' emergency that can be used when needed. Here are 10 steps you can apply to start creating an emergency fund:
1. Calculate how much you spend every month.
2. Create an emergency fund savings target in the amount of 3-6 times the cost of living per month.
3. Set aside a little money from the monthly income. Adjust the size with capability.
4. Save money in the form of money market accounts, high-interest savings accounts and money market mutual funds.
5. Treat your emergency fund as one of the bills to pay every month so motivated.
6. Reduce the budget allocations that are not crucial to accelerate the gathering emergency fund.
7. Save coins received as change when transacting. Because, if collected could be savings, too.
8. Restrict access to emergency funds account so as not to be tempted to use it.
9. Do not spend a bonus, holiday allowance or others. Better to enter into an emergency fund account.
10. Evaluate the amount of expenditure and income annually and create an emergency fund budget revisions in accordance with the conditions that occurred today.


58. Common Mistakes When Managing Finance


Every time you get a paycheck, what do you do? Immediately set aside money to pay the bills? Or dividing it into the coffers other savings?

Apparently, the women have concerns that they lack enough money set aside for the future. The women feared they would run out of wealth in old age later. It was explained that this was common among women. "Women tend to live longer, need more long-term care as you age, must take care of the family, but they often do not have their own income. This fact should be aware of the importance of saving women from an early age, save more when they earn more. And finally, should be ahead of the financial plan period no longer productive.


Research shows that women often bear a large role for financial decisions, serves as head of the household financially. Women not only manage day-to-day expenses, but also all matters relating to family finances and long-term investment. So, what's the problem? At least two mistakes in the financial arrangements that are often done by women. This information is needed for reflection and understanding of financial issues so as not to fall into the same hole over and over again.

1. Not maintain financial planning.
Habits of the women are to spend time and energy to start a financial planning, but ultimately they never saw him again. Generally, the women think that financial planning is only a short-term activity. In fact, the financial health much like marriage, is a journey, not a destination, Necessary care and maintenance in order to keep finances in good condition.

2. Investing too conservatively.
Compared to men, on average women tend to invest conservatively, even more to save their money alone. Too conservative can actually make a woman run out of money at the age he continued. This is because the money savings alone would not be a strong stand against inflation will continue to happen. Protecting the power of women to spend money is very important to us all, especially women, because women tend to live longer. Tips for preparing financial planning:
- Create your financial flexibility.
- Adjust your finances with the aim of life.
- Discuss your finances with a child and husband.
- Monitor your financial hold every day.
Maintain and manage your finances will probably spend a lot of time and energy in the first place. However, once you've made it a habit to monitor income and expenditure, will be easier to achieve life goals.


59. Want to Improve Credit Card Limit?


Credit cards are synonymous with the word "shopping". In fact, you do not always use a credit card for this purpose. If you travel often, you often buy a plane ticket online, which of course must be paid by credit card. At the hotel, you also use a credit card to pay. Or, you use a credit card to pay the hospital bills after birth.

Because of the importance of a credit card for you, you also intend to increase the limit. Unfortunately, you do not also accept the offer from the bank to increase the limit of your account. When this happens, try to stop the arbitrary use of this facility. This is what you can do:
1. Pay on time. Prioritize payment of bills, and arrange payment systems regularly so that you do not forget to make payments. Create a reminder in the phone for a payment period so that you will always be reminded.

2. Pay more than the minimum payment. The minimum payment is not giving any advantage to you, except that you are forced to owe more. Pay as much as you can, or close to the number of bills. If it can, make payment in full each month. If you have several credit cards, pay cards with the highest interest rate first. The smaller your bills, the better assessment of the bank credit card holders.

3. Prioritize the largest debt. You need to know, customers who use more than the available credit is considered a higher risk, although the amount of your debt to 30 percent points. Therefore focus on paying credit card bills higher than the 50 % limit.

4. Negotiate interest rates lower. With a lower interest rate, credit card debt piles are still there would not grow more every month. You will be able to pay your bills paid off faster.

5. Let your account open. Even if you've paid your bill, let them open a credit card, by the way does not close it. If you do not have any bills, use your card to make purchases that are not too large, then pay bills until paid off, Thus the bank will not close your account because it is considered inactive.

6. Stop opening new accounts. Have many checks on credit reports would interfere with your points in a while. If you are planning to apply important loan in the near future, do not make a request for it anymore credit card.

7. Pay your needs with the cash. If you stop adding debt to the bill that was you, you will be easier to pay. If possible, start paying with cash purchases. If you do not have cash, use your debit card to shop. But be careful, not to leave the account with a minimum balance.

8. Arrange the budget. If you do not know how much your income and expenses every month, eventually you will shop and accumulate excessive debt. If you're used to calculate expenditures, will be easy for you to pay the full debt and increase your credit limit.

9. Avoid pull cash from credit cards. So attractive cash, at the same interest rate increases. Added interest was followed by other costs and high interest rates. Finally, because most credit card agreements drawn up (of course) to benefit the company, you will not be able to pay cash advance until all bills are paid. That way you will more take longer to pay off debts and get a good assessment of the bank.

In order to increase credit card limit, you do need to be patient. Many things can affect the bank to refuse your request. For example, you are often late paying, often leaving unpaid bills, or bank statement showing you had trouble with credit cards other banks. If you have this, do not expect you can use credit cards anymore.


60. There were financial frugality Rule


While you are on holiday on Christmas Day deplete your savings? There is a good idea to back fill the coffers as usual. You may be determined to recharge. However, do not be hasty, and with excitement even less calculation. There are several posts that do not need to cut, and there is not. Here are tips and tricks all you can do, including:

A. That abstinence is trimmed by you:

1. Health funds

Health is the main capital you to perform various everyday activities. Therefore, if you're used to taking a multivitamin every day, do not reduce the number to two days for the savings. If anything is done, make sure you replace the multivitamin needs from the food you consume daily.

2. Basic needs
That goes into this category are clothing, food and shelter, which every day can’t be absent from your life, Therefore, to save expenses, sense-it does not need you too refrained from buying a new pair of shoes to replace the damaged work or can’t eat outside because of fear of draining the wallet. You still can lunch outside the home choose where affordable food prices, not at the mall.

3. Investment
You've got a plan set aside a monthly salary to buy a mutual fund or other type of other long-term investment? If it's listed in your annual financial plan, then stick to the rules you have created yourself that.

4. Recreation
Divert attention from work to have fun not at all insignificant activities that waste time and money. You just need to do for recreation so that the mind is fresh and not too late to face the job. Select only alternative recreation of "friendly" budget.

B. That need to saved

1. The cost of hang-out
Try re-estimate and to calculate your monthly expenses to "Hangout", if you still can be reduced, why not? If you are clubbing at least three times a week, replace your socializing event with a lunch appointment with friends before high school or college, In addition to the interests of both Hospitality, you can also cut budget for the social.

2. Transportation
Rather than waste gas and spend the allotted miles before the next routine service, you'll want to try out alternative transportation more efficient. For example, using the Trans Jakarta bus, shuttle bus compound, train, or coworkers who ride direction of his house where you live. In addition to saving expenditures, you can also contribute to reduce congestion and air pollution on the road.

3. Shopping
If not trapped, it's good if you avoid a trip to the mall or your favorite boutiques for a month. In addition to saving energy, you can also reduce the desire to buy things that are not needed. If it's necessary to shop, assemble a list of items that need to be purchased and obey the list so that your shopping bill is not "fattened".


61. Investing In Online


Investing online is an investment instrument offered similar mutual funds, stocks, bonds, and so forth. The difference is, transactions conducted online via the Internet.

A. How it works
To start this investment, you need to do first is to choose a company trusted online trading, Look for lots of information about this online securities companies, Do not just believe it at the testimonials on the site are not necessarily true because it is.

After making sure the reputation of the online trading company, you can make a deposit enrollment and the amount of money to invest. Flexible capital amount was determined in accordance with, even billions. Do not forget to select the investments you want. If everything's fine, your money will be played by the company to a variety of investment instruments on demand. You just have to wait for the return alias returns within a certain period, depending on the investments you choose.

B. Benefits and risks
With only one deposited some money, you will get a return for money or profit, yes, similar to the dividend in a cooperative. Usually the number of return ranged from 5 percent (of the capital you contribute) per month. Bid her return is usually greater than the deposits, mutual funds, or bonds invested Retail manually.

However, you also need to be carefully, many companies that offer fake big profits from their investments. If you are stuck in this fake securities firms not the profits, might not even your money back, if you want to experiment, a small capital save first. Do not be lulled into extraordinary offer. If it was true, there would be a deduction for the fee from the company.


62. Is equality of Metal Waste and Investment Gold?


Parents are often advised to invest our assets in the form of "gold". That said, gold exchange rate has never fallen dramatically. Certainly more secure and more profitable than keeping money in the form of savings that always cut the administration. Does this mean we should pull all our savings and bought lots of gold jewelry?


This is expressed that parents advice on this matter right. However, please note that gold is in the form referred to Bloomberg TV and not in the form of jewelry. Precious metal or gold bars available in various sizes ranging from 5 grams, 10 grams, 25 grams, 50 grams, and 100 grams. There's even a 1 kg.


Advised not to invest in gold jewelry such as bracelets, rings, earrings or pendant, why? Because you will be burdened with the cost of manufacture, and when you sell back the cost is not considered (or omitted). So you will lose money in the cost of manufacture.


If you want to wear gold jewelry as well as investing, it is enough you have 2 sets of jewelry that you can spend on a daily and moment of the party. The rest you'd better invest in metal Honor. You can find information about prices and where to buy gold by visiting your favorite gold store. Make sure when buying Metal Waste, you get a certificate of authenticity and purchase receipt from the store. Bloomberg TV can maintain the value of your money because almost always beat the inflation rate.

63. Understanding the Types of Bank Loan Interest


Lending money to the bank's will always be followed with interest, while different types of loans, also different types of flowers. In order not caught interest loans, identify type:

1. Fixed interest
The interest rate will change during a certain period according to the agreement, if market interest rates change (up or down), a bank or financial institution will remain consistent in interest rates that have been set.

2. Flowers floating (floating interest)
Interest rates will follow the ups and downs of the market rate. If market rates rise, the mortgage interest will go up and vice versa. This system is applied to mortgages, working capital loans, business, and investment.

3. Flowers flat (flat interest)
In this system, the amount of debt payments of principal and interest each month the same amount, Interest is intended as a short-term credit vehicle loans and Credit without Grace.

4. Effective interest rate (effective interest)
The calculation of interest expense is calculated each end of the installment payment period based on the principal balance. Thus, interest expense will decrease each month because of debt principal to be reduced.

5. Interest annuity (annuity interest)
In the calculation of annuities, the portion of interest in the early days very large, while the main portion is very small installments. However, near the end of the term, things will turn around.


64. Looking for Extra Income Strategy


Looking for extra income does not have to do when the crisis struck, even strongly advised to seek additional income when the conditions were well off, aka welfare. By definition, the additional income is income earned outside the main job. Automatic time must be provided outside working hours. The choices can be in the morning before work, afternoon or evening after work, or on weekends. Although time is flexible, still there must be discipline to manage your time.

Rule of thumb to avoid using office facilities for purposes related to the additional work, including time not to corruption. Is not by receiving a salary from the main job, we are still obliged to provide the best in the main job? Of course it's okay spending time at the office for lunch with his owned laptop to work on this side job. Also, you do not stir to mix financial administration of this additional income to the family finances.

1. Money is not the main
Not a few who think that capital plays a big money to start a business and in fact not the case. Capital is needed, but could be in the form of money or in other forms.

In any form of money, no standard benchmark how much, in fact recommended to start a business from a relatively small amount. For example, the capital of 10 million, just use the 25% only, or half, just do not all of them. Over time, capital may be added if the prospects are favorable. So, do not burden yourself into thinking that must have big capital to start a business. Other forms of capital are themselves, ie, what skills can we rely on to "sell". One great if someone from the beginning was blocked away by saying he "can’t nothing" and do not have anything that can relied upon to seek additional income.

Find out what you can at least try to make a living. For example, your hobbies playing tennis and was pretty good, then you also have a plot of land in good locations. Why not try to open a tennis school? Or, at least rent tennis court alone? Hobby or have a singing voice? Being a MC or "sell" the voice on local events can be selected. If mathematics is the best lesson we like in the old elementary school, why not open a private tutor? Even gardening hobby can be an additional income. Rare plants on the market can you grow well, and then sold. In short, anyone can do it and what areas could be a source of additional income.

In addition to financial capital and the capital yourself, there are also so-called social capital that comes from friendship, both school friends, high-level education or in your neighborhood. Construct a good relationship with all people, because whatever form of business that we struggled, the quality of our relationships with others was crucial. Even the wise man said, someone said to succeed if he could try to use other people's time, other people's skills, and other people's money. This means that any business can be done without having to rely on time, skills, and personal money.

2. Hobbies, interests and talents
About what kind of business can be done, of course, we understand completely, Important, to shorten the time to learn and do not need intense learning, just enough to find the details. Field work was fully understood, usually associated with hobbies, interests, and talents. These linkages will affect the success earned at least one additional income for the third element of this will be a "soul" that makes people stay motivated to do extra work.


To find out what hobbies, interests, and our talents, open your ears and eyes of our hearts to hear input from others. Pay attention to what hobbies can be developed, then mix with toxicity in any field. Of course, the willingness to continually seek knowledge also can’t be ignored. Do not be ashamed to learn and keep learning. Nothing wrong also following existing trends, but should not be satisfied with just a follower. Facing intense competition, inevitably we must diligently to innovate given the trend would only momentary and will drown.

3. Dare start
Carefulness saw an opportunity (look at the field of hobby and we will get into) is an important thing. But equally important is the steps to get started. It takes courage to begin to move and break the egg. If we are afraid to start, we'll never know will be successful or not. The odds remain the same, 50-50. So, dare to begin, but do not forget to keep an alternative plan.


Prepare also to fail mentally. Try to keep thinking positive, but prepare yourself to accept the negative. Based on the survey, 9 out of 10 businesses will close within the first 5 years. So, if you can survive the first 5 years, it is an achievement for you. If we have not succeeded in the first 1-2 years, do not be discouraged, because it is a natural thing. If this happens, do not be discouraged immediately to try again. When facing failure, do not be shocked too long, immediately arrange for records and what caused the failure. Think of failure as a valuable lesson.

4. Do not leave the main job
To find out how much the allocation of time and energy we need to dedicate to the work that gives this extra income, try to write down how much additional revenue we need to "patch up" the main income, and adjust to how much capacity of our ability. Remember, true we are required to give the best of what is our responsibility. Do not get too ambitious to hold additional income, end up sick or family so neglected. Thus, taking into account very carefully lest we be USD 1 million, but have lost USD 5 million because of falling ill, or worse, losing the main job.


Instead, it is quite possible the number of extra income much greater than income. Legitimate if in these conditions we want to leave the main job, however, in this point, still needed flair in the decision. Just as diversification require investment, as well as field work, as far as possible keep the main job.


However, in order to keep the main job while still wrestle additional work, we need to find the figure of a reliable replacement to handle this side job, it will take many times, it takes patience and perseverance to find their own replacement figures. Enforce the principle of reward and punishment as stipulated in the record in black and white. That is, if the successor to the fatal violation of earlier agreements, such as stealing or discredit the good name, do not hesitate to fire him even if it means returning to zero. Anyone who we rely on to work for us, grow a sense of ownership in him. Do not let the people of this belief was a cash cow, or we think of as subordinate only.


65. 9 Golden Rules in Managing Financial


Work hard, and carefully manage finances, not the things you need to do just because you live your duty. Do these two things because it allows you get the full enjoyment in life, you will not regret when it was finally able to achieve what is important for your life, thanks to the determination of the best life style.

To be able to live a wise life style and managing finances carefully, you can follow the basic rule 9, which may be said as a golden rule, the following:
1. Living within your means, in order to truly live free, live within your means, if you are always heavily indebted, either to others or credit card, you will never enjoy your life completely. Arrange for you to live life without limits with saving for the things you want, and shopping as planned.

2. Work hard. Job and your salary is the biggest asset in building wealth. Do your best at work, and take steps to make yourself indispensable, to achieve the position you want.

3. Compare prices. You know, mothers habits when shopping at the market or in the hypermarket? They'll go around to compare prices first between one brand of goods with other brands, they just will decide to buy when get the best price (least expensive!). Does taking the tour packages that are cheaper than the promotion if you buy a plane ticket and book their own accommodation? Although time consuming, your result is more satisfying course.

4. Avoid regret later. Feeling guilty about it very unpleasant, therefore, before you regret not buying something that can be used, ask yourself: Do I really like it? How often I would wear it? Can I afford it? Can I search for a cheaper version elsewhere?

5. Avoid regrets being too frugal. Sometimes too thrifty can also leave regrets. Have you ever found something that had long stuff you dream about, but because you are determined not to be tempted, finally sorry for never again see such things? Occasionally, you may indulge. Allocate funds for something that may not really needed, but it can make you excited.


Prioritizing the quality, not quantity Fill your closet with clothes that are no longer in season three months, not a smart way of spending money. Buy goods in smaller quantities but durable. That way you will have some high quality stuff that makes you feel worthy to have it.


Saving for something that was expected, and is not expected. We would be retiring in due course, so we suggest you save from now. On the other hand, we also need to prepare your-self for something unexpected, such as layoffs or medical expenses. Thus we will always be able to control the finances even though the things around you are not going according to your wishes.


Negotiate. In other words, please bargain your best price. The door will not close until you hear the word "no". So is the job interview. Do bargain for things like salaries or other benefits that you can get. All you need is the confidence to ask. Set goals to motivate them-selves. Revisit your goals when it has succeeded in achieving the goals you created earlier. Whether it's saving for a vacation to a place you've long dreamed about, or consider the next step in your career, In short, always doing something to make you move forward and motivated.


66. Different Education Savings and Insurance Education



In one of the media, you may have read about the education savings and insurance education. Are these two things together? According to practitioners of business and finance, savings bank is the product of the main functions of storing and collecting funds. Insurance is a product of an insurance company that its main function provides financial protection if the breadwinner families experiencing adversity.

Education savings insurance has to have a protective function. Insurance education savings function has to be able to raise funds. If using education savings from your bank charged 20% tax on interest or profits derived from the results, while insurance costs are deducted regularly from the acquisition of the interest or profit after tax results.


The value of insurance benefits, educational savings products of relatively small banks, even those that only provide compensation for the accident due to an accident, For insurance, the investment is not taxable if the past 3 years, and the relatively large value or compensation can be adjusted as needed, but the cost of year-to-1 to 3 are deducted from the premium is relatively large.

You should prepare for a relatively short period of time and need welfare money is not great, you should use of education savings. But if the period is long and needs a big allowance, for example because the child was a toddler and the family breadwinner in only one person, use the insurance education.


67. Fund for Traveling


Many people are unable to travel or recreation, because they do not or rarely make recreation budget. Conversely, there are serious people on holiday despite elderly. Before doing tours to unwind so that stamina and recover your spirit after working a full year, there are some things that need to be calculated again, ie:

1. Use your salary to pay credit card debt and loans without collateral and other debt which is very large flowers.
2. Do not make travel or recreation by creating new debt, although many credit cards that offer a payment system that looks mild, but in fact pay crazy.
3. Treat and do travel and recreation as a gift to yourself. Once you obtain a work performance and tourism funds budgeted well in advance before the departure date.
4. You can use the THR to travel. However, your primary obligation to do first on the money benefits the Feast. For example, to pay obligations to the poor, servants and drivers (if any) and families in need.

So, please make a travelling with the available budget and not spend money that exceeds the funds have been budgeted. When you travel by making new loans, because many items you buy (while shopping), then the tour is not to refresh or to recharge yourself, but it can be to make new loans. Budget travel funds, regarded as an entertainment occupy themselves and the bottom, after the:
a. Credit debt ownership Houses / Personal Loans / Credit Car ownership (maximum 30 per cent)
b. Credit card debt and debt loans without collateral (KTA) (max 20 percent)
c. Charity (2.5 to 5 percent)
d. Insurance premiums (2,5-5 per cent).
e. Cost of living (max. 60 percent)
f. Entertainment (travel funds) (5-10 per cent, if there is or is left, after the above critical needs are met)






68. Financial Perfection


Financial independence is a condition that gives a sense of security from financial problems, higher levels of financial independence is financial perfection. At least, there are four steps that must be passed to the top of financial independence. First, let the logic of the influence of feelings when making decisions in the financial sector. Second, have a greater income than the most basic expenses, Third, the ability of financial planning and implementation, Fourth, freedom from financial need to pay to live in when no longer productive.


Are the four steps are successfully achieved, would provide a sense of happiness? Not necessarily, New financial independence than the conditions that give a sense of security from financial problems, while the feeling of happiness, life satisfaction, not simply a matter of money, however, the pattern of money management itself is an impact also on a sense of satisfaction in life.


The most basic meaning of money is as a medium of exchange, for then one is able to meet their needs. Money and property is a lot of financial goals to achieve life goals. And, it can be achieved by anyone. However, many people forget how the process of achieving it.


Good results should be achieved on the basis of a good process. In summary, financial independence would only stop at this stage if the process of achieving self-sufficiency was not done with the rules should be. That is, if the process towards financial independence was not done in a way which makes sense of security, financial independence likely it will be artificial. Not essential.


Let alone to reach the stage of financial perfection, even though maintaining financial independence will be a big problem. It's like the saying goes, "From zero back to zero". When young, a person works hard in every way to make money, but after the old, the property acquired will be used to settle out any problems that were made when looking for treasures. If things like this, which achieved financial independence is a false truth, because financial independence is when the money was not needed anymore, until the end of life. Not just a moment condition.

A. Principle
So, how to achieve financial excellence? Not difficult, only two principles. First, the process towards financial independence should be done in a way and the proper rules. Call on the first rung, in terms of putting the logic of the above feelings. This is an ongoing process. In all matters concerning finance, do not ever mix aspects of feelings in decision making.

So also on the second rung, do not ever think or feel is not enough that spending be greater than revenue, however small current income, must be addressed with sufficient significance. That want to increase revenue is a must. However, the delta increases in revenue should be greater than the increase in expenditure.


Apart from that, the most important is the procedure that increases in revenue. Do with financial planning with the norms. Not because I wanted to get a Mercedes S-Class, and "prostituting" the principles or rules of etiquette rape live. The same is true in investing. Do not use the "vehicle" speculative investments to increase wealth because the results would be artificial.


The second principle is the meaning of money itself. Like what? Money is simply a means to provide benefits. Goal seeking more money is not for the money, but how that money could give added value in life of the owner of money, family, relatives, other people, and whoever widely.


So, if money has not been given the comfort of life, there is a mistake in interpreting the role of money. And, that's a mistake to be corrected. For example, by redefining how should I look for money? Within 24 hours a day, life is not just for the money, but there are things and other activities to do in order not to become "slaves" of money.


Furthermore, after the money earned, intended to be clear, without a clear designation meaning the existence of money to be lost, In conclusion, if you want to feel "more vibrant life", not just a financial goal at this stage of achieving financial independence, but also to financial excellence, where cash benefits for the owner and others.